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Baccarat FAQs

What Are the Rules?

Baccarat-AGBaccarat is a casino table game dealt from a shoe, usually containing eight standard decks of cards. Two different hands are dealt each round: a player hand and a banker hand. Those playing the game may choose to bet on either hand; the dealer will control the action for both hands, and there is no stigma attached to betting on the “player” or the “banker.” Players may also bet on the hands ending in a tie.

Two cards are dealt to both hands. Hands are scored by adding up the point values of each card – Aces are worth one point, numbered cards are worth their printed value, and Tens and face cards are worth zero points – however only the last digit of the hand’s total is counted; thus, a hand containing a Nine and a Five (sum of 14), is worth four points, since the only digit that matters is the final one. Nine is the highest possible score for a hand, while zero is the lowest possible score.

A series of rules is then used to determine whether each hand must hit (draw another card) or stand (do not draw another card). If either hand has a score of eight or nine, the round is immediately over, with both hands being forced to stand. Otherwise, the player hand hits on a five or less, and stands on a six or more. If the player stands, the banker will hit on a total of five or less. If the player does hit, a set of rules are used to determine if the dealer hits or stands, taking into consideration the banker’s score and the value of the player’s third card.

Once all cards are dealt, winning bets are paid based on which hand has the higher score. The player and banker bets both pay out at even money odds, though the banker bet often has a certain commission percentage attached to it (usually five per cent). The tie bet pays out at either 8 to 1 or 9 to 1 in most casinos.

Can I Play Baccarat on the Internet in Australia?

Yes, Australians are permitted to play baccarat online. The Interactive Gambling Act prohibits gambling companies from offering online interactive gambling services to our residents, but does not actually disallow individuals from gambling at real money sites. Thus there are no legal companies running online casinos within our borders, but there are still hundreds of online casinos based in other nations around the world which accept Australian players (unaware of simply ignoring the IGA guidelines), and Australians may legally play at such sites.

Baccarat is a popular game in the world of online gambling. Virtually every online casino offers the game, with many featuring multiple versions of the game with slightly different styles or side bets. Baccarat is traditionally a popular game amongst high rollers, so it has also become a standard part of the live dealer games offered at many Internet casinos. If you’re interested in trying online baccarat, we recommend playing at All Slots, a Microgaming casino site.

What Are the Best Bets?

Speaking mathematically, the best bet in baccarat for players is the banker bet. Assuming an eight-deck shoe, the banker bet has a house edge of just 1.06%, making it one of the better bets in most casinos. The player bet has a house edge of 1.24%. The one bet to avoid at baccarat tables is the tie bet. At the typical 8-1 odds, the house edge on the tie bet is 14.36%, and should only be made once every now and then as a lucky wager.

Does Card Counting Work?

The short answer to this question is no. While some cards in the shoe are better for the player hand and others are good for the banker, these effects are smaller than in a game like blackjack. In addition, the house edge is larger than in blackjack, and players do not have the opportunity to make strategic changes to further increase their odds. Even in the most ideal conditions with perfect mathematical counting and a very large bet spread – conditions a player would never be able to achieve in a casino – it would be nearly impossible to make more than a dollar an hour by card counting in baccarat. (Read about counting cards in blackjack here).

If that still sounds like a challenge you’d like to take on, we’d like to make it clear that card counting absolutely does not work in online baccarat. Since the cards are reshuffled after every hand and there is no deck penetration, cards are never removed from the virtual shoe.

How Do Variants Differ?

While most baccarat games in the online world will be very similar – with some various side bets showing up from time to time for some variety – brick-and-mortar casinos host a couple of different variants. The most typical of these games is mini baccarat. The dealer will handle all of the cards, allowing the game to be played at a quicker pace. In some high limit rooms, you might find “full table” or “big table” baccarat, which allows players more interaction during the game. Players take turns dealing the cards, and the player and banker hands are hidden until the person who is dealing looks at the cards. The casino employee is still responsible for paying out all winning bets and for keeping track of the score.

Is There a Strategy?

In the modern game of baccarat (sometimes called punto banco), there is no real strategy that can be effectively utilised by players, other than choosing the bets with the lowest house edge. However, this was not always the case. In older versions of the game, the player and banker hands remained face down. The player would choose to stand or take an additional card, after which the banker would make their own decision. The strategy in these decisions was eliminated from the modern casino game, but was incorporated in the rules that dictate when each hand must take an additional card.

What is the Commission?

The commission is a small fee taken by the casino from every winning banker bet. At most casinos, that fee is 5%. In some cases, you might be able to find a reduced commission; this lowers the house edge on the banker bet, making it even more desirable. Without the commission, the banker bet would actually have a player advantage of over 1.2%.

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