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How to play Baccarat

Play free baccarat online: bet on Player, Banker or Tie with friends, squeeze the cards with slow play, or open a private table. Free chips and no real money.

How to play

You are not dealt a hand here. Two hands are dealt - Player and Banker - and you bet on which one will win, or on a tie. You can put chips on more than one spot in the same round.

Once you deal, everything happens automatically. There are no decisions to make and no way to play a hand badly, which is why baccarat has no strategy beyond choosing your bet.

Card values and totals

  • -Aces count 1.
  • -Cards 2 to 9 count their face value.
  • -10, Jack, Queen and King all count zero.

Only the last digit of the total counts, so 7 + 8 = 15 is a 5, and 9 + 4 = 13 is a 3. That means 9 is the best possible total and nothing can ever bust.

The third card rules

These are fixed by the rules, not chosen. Both hands get two cards, then at most one more each.

  • -8 or 9 on the first two cards is a natural - the coup ends immediately.
  • -Player draws a third card on 0 to 5, and stands on 6 or 7.
  • -If Player stands, Banker draws on 0 to 5 and stands on 6 or 7.
  • -If Player drew, Banker's decision also depends on what that card was.

Banker draws on 0 to 2 whatever happened; on 3 unless the card was an 8; on 4 against a 2 to 7; on 5 against a 4 to 7; on 6 against a 6 or 7; and always stands on 7.

Payouts

Player

1 to 1

Banker

1 to 1 less 5% commission

Tie

8 to 1

On a tie, Player and Banker bets push rather than lose. The 5% commission on Banker exists because Banker wins slightly more often than Player.

Which bet to make

Your only real decision is which spot to back, and the three are not close:

Banker

house edge about 1.06%

Player

house edge about 1.24%

Tie

house edge about 14.4%

  • -Banker is the best bet even after the commission.
  • -Player is only marginally worse and is fine to back.
  • -Tie pays well but loses far more than it returns. Avoid it.
  • -Each coup is independent - streaks in past results tell you nothing about the next one.

Playing at the shared table

Everyone at this table bets on the same coup. There are no seats: pick a chip from the row under the circles, then click Player, Tie or Banker to drop that chip there. Each click adds another.

  • -Chips leave your balance as soon as they're on the table. Undo takes back your last chip, Clear takes back all of them.
  • -Each spot shows how many players are on it and the total bet there.
  • -Betting closes 5 seconds after the first bet, or sooner once everyone with chips down has pressed Deal.
  • -The rebet button puts last round's bets back down in one click.
  • -After the coup, the panel on the right lists everyone's result, the totals, and how much was on each spot.

Slow play

Slow play is decided by the player with the most on the table. If they have it on, every card is dealt face down and only they can turn them over, one click at a time - the squeeze. Everyone else watches the cards turn.

  • -Anyone can switch it on; it only takes effect while you have the highest bet. A tie goes to whoever bet first.
  • -Totals only count the cards that have been turned over.
  • -A third card is not dealt until everything on the table is face up.
  • -They have 12 seconds to turn the cards. After that, or if they leave, the cards turn themselves.
  • -Reveal All turns the rest over at once.
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Baccarat

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  • Banker pays 0.95 to 1
  • Tie pays 8 to 1
  • Squeeze the cards

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