Baccarat Online

When playing online casino baccarat the idea is to get to a total of nine or as close as possible to that. This is then compared with the hand that your competitor has and the winner is the one who has come the closest to nine.

About online baccarat

In a game of online casino baccarat aces count as one, picture cards as 10 and the others their face value. If your online casino baccarat hand total is in double figures, then the first figure is ignored. So a hand totaling 15 would count as five.

You would be able to bet on either bet on the player (yourself), the banker or dealer (the casino) or on a tie in a game of online casino baccarat. When you bet on either the banker or the player you would receive an even money payoff (1:1). When you bet on a Tie (your hand equals that of the dealer) the payoff is 8:1.

An online casino baccarat game starts when the banker deals two cards to the player and two cards to the banker.

baccarat guide

The player hand in online casino baccarat

The player’s hand is played first. The perfect hand is one that totals nine in the first two cards with eight being the second-best hand.

The player hand is played first in online casino baccarat, according to the following rules:
– When the first two cards equal either 6, 7, 8 or 9, the player must stand.
– If the first two cards equal any other value the player must draw one card.

The player hand in online casino baccarat can never receive more than one additional card. The hand must stand after the third card, regardless of its value at that point.

The banker hand in online casino baccarat

The banker hand is a bit more complicated. How the banker hand gets played is usually determined by what the player hand’s third card is. If the player did not draw a third card (i. e. had a 6 or higher), then the banker draws a card only if its first two cards total less than 5. Otherwise, the banker stands.

In online baccarat if the player did draw a third card, then the banker plays as follows:

  • When the banker’s first two cards equal 3, the banker draws if the player’s third card is 1, 2, 3, 4, 5, 6, 7, 9 or 0.
  • When the banker’s first two cards equal 4, the banker draws if the player’s third card is 2, 3, 4, 5, 6 or 7.
  • When the banker’s first two cards equal 5, the banker draws if the player’s third card is 4, 5, 6 or 7.
  • When the banker’s first two cards equal 6, the banker draws if the player’s third card is 6 or 7.
  • When the banker’s first two cards equal 2 or less, the banker always draws.

The hand closest to nine always wins. If there is a natural, it is an automatic winner, and no further cards are drawn.

Banker and player bets pay even money when you win. A winning banker bet, however, is subject to a 5% house commission. So if you made a $5 banker bet and won, you would receive $5.00 minus 5% ($0.25), which would actually be $4.75. If the two hands tie, neither bet wins nor loses any money. If you made a tie bet, however, you would receive an 8:1 payoff as mentioned before.

Commission

Although banker bets must pay a 5% commission when won, they are still good bets to make since banker hands actually win more frequently than player hands. All things considered, the banker and player bets give you about the same odds. In both cases, the house edge is quite small – in fact, it is only 1.17% on banker bets, and a 1.36% on player bets. From a statistical standpoint, you are slightly better off wagering on the banker, albeit not by much.