General description:

Baccarat is an old, refined and elegant game. For four centuries, it has enjoyed particular popularity among European royalty, nobility from all over the world and rich industrialists.

The aim of the game is to bet on who, in your opinion, will assemble a card combination with a total of 9 points or as close to that number as possible.

Rules of dealing cards and calculating points:

Before the cards are dealt, you must place a bet, deciding which of the two main participants in the game – the Banker or the Player – will have a more successful outcome this round. To do this, you select one of the two main sectors, which are designated P for Player and B for Banker. You also have the option to place parallel bets on nothing (TIE), a pair for the Player (P.Pair) or a pair for the Banker (B.Pair).

When all bets are made, the dealer deals two cards each to the Player and Banker. The outcome is calculated.

An ace counts as one point, cards 2 to 9 are counted based on their number value, figure (image) and tens provide zero points. If the total sum is equal to 10 or more, 10 is removed from it and the remainder is taken into account when calculating the outcome. For example, 5+3=8, 6+7=13=3 or 4+6=10=0. It is important to note that the suit has no impact in baccarat – only the cards' values are taken into account.

If the Player or the Banker reach 8 or 9 points in total with the first two cards, then the game ends there and the winner is declared. If the Player and Banker both obtained an equal number of points, a tie is declared.

But if the Player or Banker do not reach 8 or 9 points with the first two cards, then first the Player's score is looked at, and the following actions are possible:

Player's total points	Player's actions
0 - 5	Player receives a third card
6, 7	Player does not receive a third card, and the points are kept for the final comparison

Next, after the Player, the Banker's actions are decided:

Banker's total points	Banker's actions
0 - 2	The Banker receives a third card
3	The Banker receives a third card if the Player did not receive a third card or the Player's third card is: 0, 1, 2, 3, 4, 5, 6, 7 or 9
4	The Banker receives a third card if the Player did not receive a third card or the Player's third card is: 2, 3, 4, 5, 6 or 7
5	The Banker receives a third card if the Player did not receive a third card or the Player's third card is: 4, 5, 6 or 7
6	The Banker receives a third card if the Player's third card is: 6 or 7
7	The Banker does not receive a third card

Next the game ends and the winning bets are declared.

Payout table:

Bet	Payout	Comment
P (Player)	1 to 1	You cannot bet on the Player and the Banker simultaneously
B (Banker)	0.95 to 1
TIE	9 to 1	In a tie, the bets of both the Player and the Banker are returned to the players
P PAIR	11 to 1	Player Pair – the first two cards dealt to the Player are identical in value
B PAIR	11 to 1	Banker Pair – the first two cards dealt to the Banker are identical in value