Baccarat (Punto Banco)
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Play money only — no real wagering. Payouts are typical casino rates so you can learn the game’s odds; the house edge means the balance drifts down over time, just like the real game.
About Baccarat
Baccarat — in its most common form, Punto Banco — is a casino card game with no player decisions once the bet is placed. Two hands, the Player and the Banker, are each dealt two cards, and fixed drawing rules decide whether a third card is dealt. Whichever hand finishes closer to a total of 9 wins. Your only choice is which side to back — Player, Banker, or a Tie.
Card values and hand totals
- Ace — worth 1 point.
- 2 through 9 — worth their face value.
- 10, Jack, Queen, King — worth 0 points.
- A hand’s total is the sum of its cards modulo 10, so it is always between 0 and 9. A 7 and an 8 total 15, which scores as 5.
The third-card rules
- Naturals — if either hand totals 8 or 9 on its first two cards, both hands stand and the coup ends immediately.
- Player — otherwise the Player draws a third card on a total of 0–5 and stands on 6–7.
- Banker — if the Player stood, the Banker draws on 0–5 and stands on 6–7. If the Player drew, the Banker’s move depends on its own total and the value of the Player’s third card (draws on 0–2 always; 3 unless the card was an 8; 4 on cards 2–7; 5 on cards 4–7; 6 on cards 6–7; stands on 7).
Bets, payouts, and odds
Probabilities and house edges below are for the standard eight-deck shoe. The Banker bet has the lowest house edge, which is exactly why the house keeps a 5% commission on Banker wins.
| Bet | Typical payout | Win probability | House edge |
|---|---|---|---|
| Banker | 1 : 1 (−5% commission) | 45.86% | 1.06% |
| Player | 1 : 1 | 44.62% | 1.24% |
| Tie | 8 : 1 | 9.52% | 14.36% |
Payouts shown are typical casino rates; exact payouts and the resulting house edge vary by casino. The Player and Banker bets push on a tie, so their win probabilities are quoted over all coups.
How it works
- Each card is drawn by generating a cryptographically secure 32-bit unsigned integer in your browser
- The integer is mapped to one of the 52 cards using modular arithmetic — every rank and suit equally likely
- The Player and Banker third-card tableau is applied exactly, then the closer-to-9 total wins the coup
- Any bet is settled and the balance updated — instantly, with no server request