Card Value: Ace has a value of 1. Kings, Queens, Jacks and tens have a value of 0. All other cards are worth the value they represent. If the cards in a hand add up to more than 10, you must subtract 10 to get their true baccarat value. So for example if the hand is a 5 and a 7, it equals 12, so you subtract 10 to get its baccarat value of 2. If a hand adds up to an 8 or a 9, it is called a natural and no more cards are drawn. If the player and banker have the same hand the game ends in a tie .

Wagering: To place a bet, select an amount by clicking a chip from the chips area and click on the ‘player’, ‘banker’ or ‘tie’ section of the table. The dealer then deals two cards to the player and two to the banker. If either hand has the value of 8 or 9 no further cards are dealt. Otherwise and depending on the value of each hand the following will take place: .

Third Card Rules for the Banker:

Third Card Rules for the Player: If the player’s first two cards add up to 1, 2, 3, 4, 5 or 0 the player draws. If the player’s first two cards add up to 6 or 7 the player stands. If the player’s first two cards add up to 8 or 9 the player stands.

If the banker’s first two cards add up to 0, 1 or 2 the banker draws. If the banker’s first two cards add up to 3 the banker draws when the player’s third card is 1, 2, 3, 4, 5, 6, 7, 9, or 0 but does NOT draw if the player’s third card is an 8. If the banker’s first two cards add up to 4 the banker draws when the player’s third card is 2, 3, 4, 5, 6 or 7, but does NOT draw if the player’s third card is 1, 8, 9, or 0. If the banker’s first two cards add up to 5 the banker draws when the player’s third card is 4, 5, 6 or 7, but does NOT draw if the player’s third card is 1, 2, 3, 8, 9, or 0. If the banker’s first two cards add up to 6 the banker draws when the player’s third card is 6, or 7, but does NOT draw if the player’s third card is 1, 2, 3, 4, 5, 8, 9, or 0. If the banker’s first two cards add up to 7 the banker stands. If the banker’s first two cards add up to 8 or 9 the banker stands. When the player stands on 6 or 7, the Banker must draw on totals of 0,1,2,3,4, and 5, and stand on 6,7,8 and 9.

Winnings: Winning ‘player’ bets pay 1 to 1, winning ‘banker’ bets pay 19 to 20 and winning ‘tie’ bets pay 8 to 1. When there is a tie, player and banker bets are not paid or taken.