Short Description:

The game of Baccarat (pronounced ba-ka-ra) is derived from Chemin De Fer or Baccarat en Banque, one of Europe's oldest and most popular card games. It is a high-limit game from which Casinos developed a game for lower-limit players called mini-baccarat. This is the game we feature at SpinWin Casino.

Baccarat is a very simple game to play. The dealer handles the draw of cards according to specific rules and, as in Roulette or Craps, the player has no decisions to make during the game. The only two decisions a bettor must make, before each hand is dealt, are the selection of the position they believe will win the next hand, and determining the amount of the wager. The House banks all bets, and collects or makes payouts on each hand that is dealt. However, it is a good idea to be familiar with the rules, as it will heighten the enjoyment of the game, and the anticipation of the turn of a card. Overall, Baccarat is one of the best games in the Casino for the bettor.

Objective:

To wager on the hand that will finish with a point total of 9, or as close to it as possible.

Betting Options:

There are three options a player may wager on: Player hand, Banker hand or Tie hand. You may also bet on Banker and Player hand or tie hand at the same time.

Card Values:

Aces count as one.
2 through 9 count as face value.
10s and Pictures count as zero.

For example:

The Game:

Baccarat is played with six decks of cards that are re-shuffled after each hand. The cards are dealt from a shoe, similar to Classic BlackJack. You can bet on either the Player's side, the Bank side, or on a Tie. Four cards are dealt, the first and third to the Player's hand, the second and fourth to the Banker's hand.

The point total of both hands is presented below. If either hand totals 8 or 9, each of these numbers is called a "Natural", then no additional cards are dealt. The winning hand is the one with a point total closest to 9. When both hands have equal totals, a "Tie" is declared.

Depending on the points accumulated by each hand after the initial draw, the Dealer may need to deal a third card. It is drawn face up, first to the Player's hand and then, if necessary, to the Banker's hand. No more than one additional card per hand may be dealt. The drawing of the third card is governed by the following fixed rules.

Third Card Rules:

Player Hand:

Banker Hand:

Banker's Third Card Rule may depend on the third card drawn for the Player.

When Banker hand Totals 3-6 and player draws third card:

How to Play:

1. Your chips are stacked, by denomination, in the right corner of the screen. To place a bet, simply drag and drop the chips on the Player, Banker or Tie spots, above your name. You may cancel your bet by dragging and dropping it back to your stack or by clicking the right-hand mouse button while pointing the cursor at the bet you wish to cancel. 
2. After placing any chip on the table, you may increase the wager by clicking on the chip you want to add.
3. Start the round by clicking "Deal". The Player and Banker are dealt 2 cards each. The third card is dealt automatically according to the "Third Card Rules" (see above).
4. The value of the Banker and Player hands is displayed on screen just beside the cards dealt at the end of the round, for your convenience.
   1. Dealer collects losing bets.
   2. Your winnings are placed momentarily next to your original bet, and then added to your stack of chips.
   3. Your Bankroll counter is adjusted automatically.

Payout:

1. Player's winning hand wagers are paid 1 to 1.
   Meaning that if you bet on the Player hand, and the Player hand was closer to 9 than the Banker hand, you will get your bet back, plus an additional sum equal to your original bet.
2. Banker's winning hand wagers are paid 1 to 1. The House charges a 5% commission (vigorish) on all winning Bank wagers. The commission is deducted immediately upon payment of the winnings.
   Meaning that if you bet on the Banker hand, and the Banker hand was closer to 9 than the Player hand, you will get your bet back, plus an additional sum equal to your original bet minus 5%.
3. Tie bet winning wagers are paid 8 to 1.
   Meaning that if you bet on the Tie hand, and Banker and Player have the same hand count, you will get your bet back, plus an additional sum equal to your original bet multiplied by 8.

Shortcut Keys:

The table limits appear in the game and differ between Standard, High Rollers and VIP players.

The Betting Limits may change according to Casino Policy.

Some differences between the rules at land Casinos and SpinWin Casino: