Punto Banco Baccarat Rules at Casino

Punto Banco Baccarat Rules at Casino

Baccarat tables generate anticipation as players await the deal. Large bets line the green felt as fortunes teeter in the balance. Now, learn the game that draws high rollers – Punto Banco Baccarat Rules at Casino. If you allready know how to play it, you can try Blackjack card game rules.

What is Punto Banco Baccarat?

Punto Banco Baccarat is a popular variation of the traditional card game Baccarat, commonly played in casinos.

How many decks of cards are used in Punto Banco Baccarat?

Punto Banco Baccarat is typically played with eight decks of cards.

How many players can participate in Punto Banco Baccarat at a casino?

Baccarat can accommodate multiple players, usually up to 14 players.

What are the two primary betting options in Punto Banco Baccarat?

The two primary betting options in Punto Banco Baccarat are “Player” and “Banker.”

What is the objective of Punto Banco Baccarat?

The objective of Punto Banco Baccarat is to bet on the hand that will have a total closest to nine.

Punto Banco Baccarat is a simple casino game where you bet on whether the “Player” hand or “Banker” hand will win by obtaining a total closest to nine. Though cards appear randomly, players strive to develop strategies that may shift the odds in their favor. While the “Bank” hand has a slight statistical advantage, bets on both sides pay even money.

Before dealing any cards, you place wagers on either the “Player” or “Banker” hand. Each hand is then given zero to three cards based on fixed rules. Points of the cards in each hand are then added up, with ten-valued cards and face cards counting as zero. Whoever’s hand totals closest to nine without going over wins the round.

Get ready to join in the action. And discover how to increase your chances of emerging a winner at the Punto Banco Baccarat tables. Understanding the Punto Banco rules and strategies is your first step to beating the casino.

game table

Punto Banco Rules

The rules of Punto Banco Baccarat at Casino are designed to be simple and straightforward. With very little decision-making required by the players. Players place bets on either the “Player” hand or the “Banker” hand. Then, cards are drawn according to a fixed set of rules to determine the winning hand.

There are no options for the players to make strategic choices about how the hands are played. Rather, the predetermined Punto Banco rules specify how many cards will be drawn. And when based solely on the point values of the cards that have been dealt.

This systematic approach removes the elements of skill and strategy that characterize most card games, instead relying purely on luck and the specific cards that are dealt.

However, the strict adherence to simple, predetermined rules gives the game its rapid pace and relative ease of play. Drawing in players looking for a game based mainly on chance.

punto banco baccarat

Here are the basic Punto Banco Baccarat rules at casinos you should be aware of:

The object of the game

The main objective in the game of Punto Banco Baccarat is to form a hand of cards with a total value as close to 9 as possible. There are two hands dealt in the game – the Player’s hand and the Banker’s hand. Players can place bets on either the Player’s hand or the Banker’s hand to win. Or they can bet on a tie between the two hands.


Players have three betting options in Baccarat gaming. Betting on the Banker’s hand, betting on the Player’s hand, or betting on a tie. Placing bets in Punto Banco is relatively simple, as players do not make any decisions that affect the outcome. They simply place their bets on whichever hand or a tie before the cards are dealt.

Betting on the Banker’s hand is the most favorable option for the casino as it carries a commission, typically 5%. This means the effective payout on a winning Banker bet is 19 to 20 instead of the even money (1 to 1) payout received on Player bets.

punto banco rules

However, some players prefer to bet on the Banker because, statistically, that hand has a slightly higher chance of winning over the long run.

Betting on a tie, known as an Egalite bet, typically pays out at higher odds of 8 to 1 or 9 to 1. However, ties occur infrequently, so tie bets are a low-probability proposition for players. The higher payout is to compensate for that lower probability.

Dealing of Cards

In Punto Banco Baccarat, two cards are initially dealt face up to both the Player’s hand and Banker’s hand from a shoe containing 8 decks of cards. After the first two cards are dealt, fixed Punto Banco rules determine whether a third card will be dealt to either hand.

The dealer only follows these predetermined drawing rules, they do not make any decisions based on strategy. Players also do not indicate whether they want a third card, the rules are followed automatically.

punto banco

This fixed dealing procedure allows the game to be played rapidly and removes any element of skill or decision-making, ensuring the outcome is purely based on luck and the dealt cards.

Drawing Rules

The rules determine whether a third card is dealt on the total value of the first two cards in both the Player’s and the Banker’s hands. If either hand is dealt an initial total of 8 or 9, no further cards are drawn – this is known as a “natural” and ends the hand.

For the Player’s hand, a third card will be drawn if the first two cards total 5 or less. If the total is 6 or 7, no further cards are drawn.

The drawing rules for the Banker’s hand depend on whether the Player’s hand received a third card and the Player’s hand total. The Banker will draw a third card on a 4 or less if the Player’s hand did not draw a third card. If the Player did draw, the Banker’s rules would vary based on the Player’s third card value.

baccarat at casino

Hands Total

In Punto Banco Baccarat, the total value of the cards in each hand is calculated differently than in most card games. Only the last digit of the total count is used to determine the hand value. All cards from 2 to 9 have their face value, while all 10s and face cards (Jack, Queen, and King) count as 0.

This means that only the last digit of that total is used if a hand contains cards that add up to more than 10. For example:

  • An 8 and 9 would total 17, but the hand value would be recorded as 7

  • A 5 and 10 would total 15, but the hand value would be recorded as 5

  • A King, 3, and 7 would total 0 plus 3 plus 7, which equals 10, so the hand value would be recorded as 0

This single-digit total determines whether the Player’s or Banker’s hand wins the round.

baccarat strategy

Winning Hand

The hand with a total value closest to 9 without going over will win the round in Punto Banco Baccarat. The winner is either the Player’s hand or the Banker’s hand – there are no ties due to how the hand totals are calculated. For example:

  • If the Player’s hand totals 6 and the Banker’s hand totals 3, the Player’s hand wins since it is closer to 9.

  • If the Player’s hand totals 8 and the Banker’s hand totals 7, the Banker’s hand wins since it is closer to 9 without going over.

  • If both the Player’s hand and Banker’s hand have the same total, then a tie is declared. Ties are much less common due to how the last digit of the total count is used.


In Punto Banco Baccarat, different payouts are awarded depending on which hand wins the round and which hand the player bets on.

mini baccarat

Bets placed on the Banker’s hand will pay 19 to 20 after deducting the 5% commission charged on Banker bets. This results in an effective payout of 19 chips for every 20 chips bet.

Bets placed on the Player’s hand pay at true odds of 1 to 1. The player receives equal chips to what they bet if the Player’s hand wins the round.

Bets placed on a tie between the Player’s hand and Banker’s hand – known as Egalite bets – typically pay either 8 to 1 or 9 to 1 odds depending on the casino. This higher payout compensates for the lower probability of a tie outcome.

Side Bets

Some casinos offer optional side bets that players can place in addition to their standard bets on the Player, Banker, or tie. These side bets offer much higher payouts if successful but have a lower probability of winning.

baccarat house edge

Common side bets in Punto Banco Baccarat include:

  • Three Card 8 bet: The player bets that the Player’s hand will total 8 using exactly three cards. Payout is typically around 200 to 1.
  • Individual UR WAY Equalities: The player bets that the Player’s hand and Banker’s hand will tie with a specific total, such as 3, 6, or 9. Payouts range from 11 to 1 to 40 to 1, depending on the specific total bet.

Side bets offer the chance at a big win but with a correspondingly lower probability of success. They provide players with a way to add excitement and variance to a game that is otherwise based purely on luck and predetermined rules.

Punto Banco Baccarat at Casino – Strategy

While the fixed rules of Punto Banco Baccarat at Casino leave little room for impactful strategies and there is no baccarat sure win formula, players can still follow general guidelines to potentially gain a small advantage. Since the Banker’s hand has around a 1% higher chance of winning, some players choose to always bet on that hand.

baccarat sure win formula

Others baccarat strategy is to split their bets between the Banker and Player hands to balance their wins and losses over time. Some focus their strategy on random tie bets, altering the frequency and size of these wagers according to certain systems.

Regardless of the approach, players must manage their bankroll prudently, avoid chasing losses, and recognize that strategic choices have minimal effect.

The lack of true options limits any meaningful strategic edge. Nonetheless, many players find that following a simple strategy, even one based on intuition, adds an element of involvement that enhances their enjoyment of the game. The focus should remain on responsible gambling, appreciating the game’s rapid pace, and reliance on luck alone.

The baccarat house edge refers to the statistical advantage the casino has over the players. It represents the percentage of each wager that the casino expects to retain as profit in the long run. In traditional baccarat, there are three possible outcomes: the player wins, the banker wins, or it’s a tie.

baccarat dragon

Other Baccarat variations

Baccarat has a long and refined history, with several classic variations that differ from the modern Punto Banco version in important ways.

While Punto Banco remains the most popular form today due to its simplicity and reliance solely on luck, the older variations tend to provide more options to involve skill and decision-making from players. These alternative versions include:

Chemin de Fer Baccarat

This is the game’s original version that was developed in France in the 19th century. It features more player involvement and optional plays compared to Punto Banco. Players take turns acting as the Banker, administering the game and controlling the bank. This version requires more skill and decision-making from players.

Banque a Deux Tableaux Baccarat

This variation also originates from France and involves two separate betting areas or “tableaus.” Players can place bets on either tableau. There are two croupiers who administer the two tableaus and deal with the cards. Unlike Punto Banco, players can influence the play through optional betting strategies.

baccarat gaming

Mini Baccarat

Mini baccarat version is visually similar to Punto Banco but features only one dealer who manages the entire game and deals with all the cards. It is played at a smaller table with fewer players than big-table Punto Banco. The rules are identical to Punto Banco, with fixed drawing rules and no player decisions.

Dragon Bonus Baccarat

This variation includes a progressive bet known as the “Baccarat Dragon”. Which pays out a large progressive jackpot if the Player hand wins with a total of 7 using precisely three cards. The jackpot amount grows with each hand until won, providing an opportunity for a massive payout.


Punto Banco Baccarat at Casino is a thrilling game where players bet on the Player’s or Banker’s hand to win. The rules are straightforward, with fixed drawing rules and no player decisions. The goal is to get a hand total of 9 as possible. Betting options include the Banker’s hand, the Player’s hand, or a tie.

The Banker’s hand has a slight advantage, but some players prefer the higher payouts of tie bets. Understanding the rules is crucial to increasing your chances of winning. While strategies have minimal impact, responsible bankroll management is key. Punto Banco Baccarat offers a fast-paced, luck-based experience that captivates high rollers at the casino.