Baccarat is played throughout many different countries around the world, and because of that there are several different versions.
“Punto Banco” is the version of baccarat that is played in America, Canada, Australia, United Kingdom and Macau. “Punto” means
“Player” and “Banco” means “Banker”. The dealer will notice this if their casino requires them to enter the hand into an electronic
display because the player will be labeled as “Punto” and the banker will be labeled as “Banco”.
There are 3 types of baccarat: mini-baccarat, midi-baccarat and big baccarat. It’s good to learn how to deal mini-baccarat before
learning how to deal midi-baccarat or big baccarat because mini-baccarat is the simple form of the other two.
Every table game in the casino has a built-in advantage that gives the casino their profit. The casino edge is usually measured
The house advantage for baccarat is:
Banker – 1.17%
Player – 1.36%
Tie – 14.12% at a 8:1 payoff
The bank is the rack of cheques in front of the dealer.
The long rectangle located next to the bank is called the commission box. You will see many boxes
with numbers in them. Each number represents the spot where the player is sitting. Every time the
player owes commission the dealer will mark it in this box until the time when the player pays it.
The shoe is located on the left side of the table. Usually the shoe will be 8 decks or higher.
There are 3 possible bets that the player can make. Player, Banker or Tie.
Most baccarat tables have their betting circles marked to correspond with the commission and the
tie boxes. Now, because this game is extremely popular with people from China you will notice
that their culture has inspired some changes in the layout. In China 4 is considered an unlucky
number because it sounds similar to the word death, so most baccarat layouts are missing the #4
spot. This means that the numbered betting spots will go up to the number 8. And 8 is a very
lucky number in the Chinese culture because it sounds similar to the words “prosper” or “wealth”.
The object of the game is to bet on the hand that you think will receive the highest total value.
The dealer will deal 2 sets of 2 cards each. One set will go to the Player and the other set will
go to the Banker. Each set of cards will be added up and the side with the highest total will win
When you’re adding up the cards, the total must always be in single digits. For example, if your
two cards are an 8 and a 7, then normally this would equal 15. But since single digits are the
only valid total, it is customary to drop the “tens” place value. Drop the 1 and that the actual
total is now 5. Because of this rule, all 10 value cards equal 0 and all Aces equal 1. This rule
is applied to all place values. For example, if you draw two 10’s and a 5 then the total is 25;
drop the two so your valid total is now 5.
How do you know when it’s the right time to draw a 3rd card? Dealers must memorize a chart that is
given to them by the casino. Most charts are the same but if a casino gives you a different chart
to memorize you must follow your House rules.
● If the Player’s 1st two cards equal 0 – 5, then the Player must draw a 3rd card.
● If the Player’s 1st two cards equal 6 – 7, then the Player must Stand.
● If the Player’s 1st two cards equal 8 – 9, then the Player has a “Natural” hand and no more cards are drawn. A “Natural” hand can only occur on the first two cards.
● If the Banker’s 1st two cards equal 0 – 2, then the Banker must draw a 3rd card.
● If the Banker’s 1st two cards equal a 3, then the Banker will always draw a card except if the Player’s 3rd card is an 8.
● If the Banker’s 1st two cards equal a 4, then the Banker will only draw a 3rd card if the Player’s 3rd card is a 2 – 7.
● If the Banker’s 1st two cards equal a 5, then the Banker will only draw a 3rd card if the Player’s 3rd card is a 4 – 7.
● If the Banker’s 1st two cards equal a 6, then the Banker will only draw a 3rd card if the Player’s 3rd card is a 6 – 7.
● If the Banker’s 1st two cards equal a 7, then the Banker must Stand.
● If the Banker’s 1st two cards equal a 8 – 9, then the Banker has a “Natural” hand and no more cards are drawn. A “Natural” hand can only occur on the first two cards.
● When the Player stands on 6 – 7, then the Banker will always draw a 3rd card if their 1st two cards equal a 0 – 5 and the Banker will always Stand on a 6 – 9.
● If the Player takes no 3rd card, then the Banker will always Stand on a 6.
The Tie is a 3rd bet that only wins if both the Player and the Banker’s final total are the same.
If Player and Banker aren’t the same then the tie bet loses. The player can bet on the tie either
as a lone bet or in conjunction with a Player/Banker bet. If the hand is a tie, the Banker and
Player bets do not lose. These bets push.
If the tie wins it usually pays either “8 to 1” or “9 for 1”. Which is exactly the same thing.
If a bet pays you 8 to 1 then that means you receive 8 times your original bet. If the bet pays
9 for 1 then that means the casino will give you 9 units in exchange for your one unit.
So what do you do with a winning tie bet?
You pay the tie (Bet x 8) and all of the other bets push.
After the winning hand has been determined, take all of the losing bets starting from your right hand
side and going left. Place these bets in a specific area until the entire hand is complete and you
can re-organize your rack. Some casinos will want you to place these losing bets on the table until
the entire hand is complete. Other casinos will want you to place these chips in the rack but in a
specific spot. And a small amount of casinos don’t care what you do with it.
After taking the losing bets, start at the right hand side and
pay the winning bets, starting from the bet closest to the
player. When the Player wins the bet gets paid 1:1. When the Banker wins the bet gets paid 1:1 minus a 5%
commission. As soon as you’re done paying the Banker bet, mark the commission. Do not proceed to
the next spot until the commission has been marked or paid.
Why does the casino charge a 5% commission? Both the Player and the Banker get paid 1:1 but it has been
established that over an 8 deck period, the Banker will win 3 to 4 hands more than the Player. To correct
this, the casinos have decided to charge a 5% commission on Banker.
Now it’s time to explain how to figure out a 5% commission. Don’t worry it’s easier than it looks.
There are two methods you can use; the first method is a simple calculation you can do in your head.
Take 10% of the bet and divide it by 2.
Or you could memorize the basic chart and add the commissions as you go.
If you remember that every $5 bet owes a $0.25 commission, every $25 bet owes a $1.25 commission and
every $100 bet owes a $5 commission then you’ll be set to deal the most basic of baccarat games.
$1 - $5 Bet = $0.25 Commission
$6 - $10 Bet = $0.50 Commission
$11 - $15 Bet = $0.75 Commission
$16 - $20 Bet = $1 Commission
$21 - $25 Bet = $1.25 Commission
$50 Bet = $2.50 Commission
$100 Bet = $5 Commission
$500 Bet = $25 commission
$1,000 pays = $50 commission
Did you notice that both $1 and $5 bet is charged the same commission of $0.25? The reason why is because
commissions are paid to the nearest quarter. Another word for this is “Breakage” which means when the amount
is either rounded up or down in the casino’s favor.
If the player bets $12, you can’t really ask them for a $0.10 commission on the extra $2; this is when
breakage applies. If the player bets between $1-$4, then as a dealer, round up to the nearest $5 and
charge them a $0.25 commission.
You pay the winning bet “color-for-color” even though the players must pay a commission on it. That is why
most casinos have a long rectangle with many boxes with numbers in them in front of the dealer’s seat.
After you pay a winning Banker bet, add up the amount of the commission that the player owes and place the
correct lamer in the correct seat. Each box represents a player and each number represents a specific seat.
Whenever that player wins a banker bet you will add those lammers to the correct box.
Instead of having to pay the commission every hand, the casino lets the commission accrue and then you can
pay the commission at a later point.
What lammers do you use when marking a players commission? You will use a normal 25 cent piece and 50 cent
piece at the table. Now what lammers the casino uses depending on each casino. If a player wins a $20
Banker bet then you will place either a $1 chip or a $1 lammer in the correct box.
When converting lammers to a higher denomination, lay both lammers out for the camera to see, exchange them
and then place the smaller denomination lammer back in the box.
So when does the player pay his commission?
The player will pay his commission at the end of each shoe, when the floorman requests it, when the player
pays the commission by himself, or before he leaves the table. If a player leaves the table while refusing
to pay his commission, then notify the floor immediately. The floor will then call security.
When the player pays off their commission, bring the commission out of the designated box and on to the
middle of the table. Take the player’s payment and place is next to the commission, proving to the cameras
that they are the same. If you need to give the player change do so now, proving to the cameras that you
are giving the correct change before handing it to the player. Then place both the commission and the
payment into the bank.
If you need to take the commission out of the winning bet then it is time to do some math. Not really, I’m
kidding. I was horrible at subtracting so this is what I would do.
I would 1st figure out the commission. Imagine that the player
has a $325 bet on banker and the commission is $16.25. Then, once I figured out the commission, I would take
out the winnings and lay it in front of me in the center of the table so the cameras could see. So I would
put 75 cents out on the table. In my mind I would think "ok, now I'm at $17". Then I would put $3 out on the
table next to the 75 cents. In my mind I would think "ok, now I'm at $20". Then I would lay out 1 red $5 chip.
In my mind I would think "ok, now I'm at $25". Then I would lay out 3 black chips (or $300) which would bring
me to the total of $325. And I would stack that amount up properly and place it next to the banker's bet.
Some casinos offer a dragon bet on the baccarat table. This is an additional bet that the players can play at any
time. The player is allowed to bet for either or both the Banker and the Player hand whether the player is betting
on that hand or not.
When it comes to the “Take-Pay-Procedure” the order starts with the primary bet, which is either Banker or Player
or tie, and then got to the dragon bet. Always start with the bet closest to the player.
The reason why you always take the bet closest to the player first is because if the player decides to grab the
money and run, they will most likely grab the money that’s closer to them.
I just want to remind everyone that every casino is different so some of these procedures might not
apply at your casino. Make sure you know your house rules.
When you are dealing on any table, it’s always important to case your layout. Not only do you look
for items such as cell phones or purses, but you also look at the players bets. Get a good idea of
who is betting what and where. This way you know exactly what you have to do when the outcome of
the hand occurs.
At the beginning of the hand, all bets must be made before the cards are dealt. When you are delivering
the cards, deal one card to the player side then deal the 2nd card, tucking a small portion of the card
under the lip of the shoe. Do this again so that both sides have 2 cards. The maximum amount of cards
that each side can have is 3 cards.
Always call the hand so that your players can hear the results. When calling the hand, never display
favoritism for one hand or another. The dealer must remain neutral. Never say “Win” or “Lose” when
announcing your hand.
Every casino is different, but the call I was told to memorize went like this:
Player shows (total amount), Banker has (total amount). Action taken. Always announce the winning hand
first. Then call the winning number over the losing number.
For example: Player shows 4, Banker has 4. Player hits (10 card) Banker hits (5 card). Banker 9 over 4.
When you turn over the cards, pinch the top of the cards with your forefinger and thumb and flip the cards
over from top to bottom. Then spread the cards with the tips of your fingers.
If the baccarat table has a digital score board, then at the end of the hand, after all bets have been paid,
input the hand into the digital pad and then press enter.
Usually the incoming dealer does not burn a card. Also, on a dead game, when you’re done shuffling, some
casinos will want you to leave the deck laced together in the middle of the table until new players arrive.
If the cut card comes out in the middle of the hand, then only deal one hand after that before shuffling.
If the cut card is the 1st card out, then deal two more hands before shuffling.
The dealer will usually shuffle the shoe when there is less than 1 deck remaining in play.
When placing the cut card at the back of the deck, take a small chunk from the back and spread it on the table,
face down. Count out 14 cards, place the cut card in between and pick up the card placing them at the back of
Burning a card on baccarat is not the same as burning a card on blackjack. There is a procedure to follow when
you burn a card on baccarat. Take the first card out of the shoe and lay it face up in the upper middle portion
of the table. Whatever number is on that card is the number of cards that you are supposed to burn. For example,
if the card is a 4, then you lay out four cards in a row, face down, wait a second to prove to the camera and
then burn all five cards. If the up card is a 10, Jack, Queen, or King then burn 10 cards (2 rows of 5 cards).