Learn How to Play Baccarat
Discover the rules, understand baccarat card values and practise Player, Banker and Tie bets in our free simulator.
Baccarat Simulator
Practice mode only. All credits are virtual. No real-money betting, deposits or withdrawals are available.
How to Play Baccarat
Baccarat is a comparing-card game. You predict whether the Player hand, Banker hand or a Tie will finish closest to a total of nine. You do not play the cards yourself.
1. Aim for Nine
The hand closest to nine wins. Only the last digit of a total counts, so a hand worth 15 has a baccarat value of five.
2. Choose an Outcome
Bet on Player, Banker or Tie before the cards are dealt. Player and Banker refer to the two hands, not to the person placing the bet.
3. Compare the Hands
Each hand normally starts with two cards. Depending on the totals, fixed rules may require a third card. The higher final baccarat value wins.
Baccarat Card Values
Suits do not affect card values. Aces are worth one, numbered cards keep their face value, and tens and picture cards are worth zero.
The cards total 15, but baccarat uses only the last digit. The hand is therefore worth five points.
Baccarat Bets & Payouts
This simulator uses an 8:1 Tie payout and a 5% Banker commission, represented by a 0.95:1 profit payout. Actual casino rules can vary.
| Bet | Winning condition | Simulator payout |
|---|---|---|
| Player | The Player hand finishes higher than Banker | 1:1 profit |
| Banker | The Banker hand finishes higher than Player | 0.95:1 profit |
| Tie | Both hands finish with the same value | 8:1 profit |
A Tie returns Player and Banker bets in this simulator. Payouts shown are illustrative practice rules, not an offer to gamble for money.
Baccarat Rules for Beginners
Natural 8 or 9
If either initial two-card hand totals eight or nine, neither hand draws a third card. This is called a natural.
The Player drawing rule
If there is no natural, Player draws a third card on totals of zero to five and stands on six or seven.
The Banker drawing rule
Banker follows a fixed rule that depends on its own total and, in some cases, the Player's third card. The simulator applies these rules automatically.
Understand the house edge
Standard baccarat rules generally give Banker a lower house edge than Player, while Tie bets usually have a much higher house edge. Exact odds depend on the rules and payouts.
Baccarat outcomes are uncertain. Past results do not predict future cards, and no betting pattern guarantees a win. This simulator is for learning with virtual credits.
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