The value of your hand is determined by adding the numeric value of each card. For example: K-2 = 2. A total greater than nine is not possible. In this case, the first digit of the sum is ignored. For example: K-8-Q = 8 not 28. Place your bet on which hand you think will win. Bet on one or more of the following: player hand, banker hand or tie.
This is the only decision you have to make. Choose from five chip denominations: $1, $5, $10, $25 and $100. Two cards are dealt face-up to the player and two to the banker. At this point the cards are evaluated to determine if either hand has a total of 8 or 9 (a natural). In the case of an 8 or 9, play stops and the hand with the natural wins.
If both hands contain a natural, the higher natural wins. Two equal naturals result in a tie. If neither hand is a natural, play continues. Play begins with the player's hand. A player's hand of 6 or 7 means the player cannot draw an additional card. A player's hand of 5 or less means the player must draw an additional card. Only one additional card is allowed.
The player's hand is actually used to determine what action the banker's hand can take. All of the actions in baccarat are predetermined according to baccarat rules; there are no decisions to be made. The winner is always the hand closest to nine. A winning wager on the player hand always pays 1:1. A winning wager on the banker hand always pays 1:1, less a 5% commission.
A tie results in the return of any wager on the banker or on player hand. A winning tie bet pays 8:1 but you lose if the hands do not tie. You may wager on the Banker, the Player or a Tie, or any combination of the three. Neither the Player nor the Banker will receive more than three cards. A natural 8 or 9 by the Player or Banker end the hand.