The card game James Bond made famous, stripped to its purest form. Back the Player, the Banker or the Tie — then the cards decide themselves, dealt strictly by the rules. No skill, no choices once the chips are down.
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Just for fun — virtual points, no real money. 18+
How to play
How to play Baccarat
Baccarat — in this Punto Banco form — is the simplest table game in the casino, which is exactly why high-rollers love it. You are not playing a hand; you are betting on which of two hands, the Player or the Banker, will finish closer to a total of 9. You can also back a Tie. That is the entire decision. Once you place your chips, no choices remain — both hands are drawn for you by a fixed, centuries-old set of rules, so there is nothing to misplay.
Card values are easy: aces count 1, the 2 through 9 count their face value, and tens and all face cards count 0. Totals only ever use the last digit, so a 7 and an 8 (15) make a hand of 5, not fifteen. Each side gets two cards; a third may be drawn by the official tableau below. Of the three main bets the house edge is lowest on the Banker (1.06%), a touch higher on the Player (1.24%), and far higher on the Tie (14.36%) — the Banker wins slightly more often, which is why a 5% commission is taken from Banker wins. Here you spend virtual points for fun, but the odds are the real thing.
Rules
1Place chips on any of the five spots: Player (1:1), Banker (0.95:1), Tie (8:1), Player Pair or Banker Pair (11:1). Your total stake across all spots must be 10–100 points.
2Both hands are dealt two cards. Card values: A = 1, 2–9 = face value, 10/J/Q/K = 0. A hand's total is the last digit of the sum (so 7 + 6 = 13 → a total of 3).
3A first-two-card total of 8 or 9 is a natural — both hands stand and the round is decided immediately.
4Otherwise the Player draws a third card on totals 0–5 and stands on 6–7. The Banker then draws by the official tableau, which depends on its total and the Player's third card. You never make these choices — the rules do.
5The hand closest to 9 wins. Player pays 1:1; Banker pays 0.95:1 (even money minus a 5% commission); Tie pays 8:1. On a tie, Player and Banker bets push (your stake is returned).
6Player Pair / Banker Pair win 11:1 if that hand's first two cards share a rank. Wins are capped at +500 points per round and per day.
Tips from Jérôme
💡If you want the best odds, the Banker is the call — at a 1.06% house edge it is one of the cheapest bets on any casino floor, even after the 5% commission.
💡The Tie looks tempting at 8:1, but its 14.36% edge makes it by far the worst value on the table. Treat it as a long-shot flutter, not a strategy.
💡The Pair side bets (11:1) are pure fun — high variance and around a 10% edge. Small stakes only if you chase them.
💡Ignore the scoreboard superstition. Past results never change the next shoe's odds, so "the Banker is due" is a myth — every round is independent.
💡It is virtual points and just for fun. Pick a number of rounds, enjoy how flat the swings feel on Player or Banker, and stop when you said you would.