# Baccarat Basics

Baccarat is a card game played on a two-sided table. Players sit on either side of the table and are given two cards. After each hand is dealt, the winner is the player who has the highest value. In the case of a tie, players are paid at 8 to 1. It is also possible to bet that both the player and the banker have the same value. This bet can be made with either the Banker or the Player, but the house has a slight advantage in both cases.

The house has a 1.17 percent edge in the Bank bet and a 1.36 percent advantage in the Player bet. When a player wins the Banker bet, they must pay a 5% commission. But the house still has a slight advantage in the Player bet, with a payout of 19 to 20.

The banker knows the bets on both the Player and Banker hands, and he can choose to stand or draw a third card. He does not need to follow the rules, but he needs to make the best decision based on the available information.

If the first two cards are a total of eight or nine, the hand is considered a natural, and is automatically a winner. However, if the first two cards are not a natural, the Banker can draw a third card to change the score of the hand.

When a third card is drawn, the draw rules are governed by the standard house rules. Generally, the draw will occur when the banker has a total of ten or lower, the player has a total of nine or higher, or the player has a total of six or seven. For this reason, it is important to know when the draw will take place.

A baccarat hand with a total of nine and six is a 5-point hand. Two cards which total 10 count as 0. On the other hand, a baccarat hand with a total above nine must have the first digit removed, as the face value of a jack, queen, king and ten is zero.

The baccarat game is played on standard 52-card decks. Each deck has a numerical value of 0 to 9 with the exception of the aces. All the other cards are worth their face value.

Before the game begins, the dealer distributes a set of cards for both the players and the banker. The cards are then shuffled by the dealer. The cards are then placed in the deal “shoe.”

Cards are then dealt to the players. The player’s hand must have a value of 0 to 5 and can include the aces, which have a value of 1. Other than the aces, the other card ranks are not used in calculating the hand’s value.

The next card is drawn and the hand is determined. In most instances, the dealer will draw a third card. They will then take into account the third card drawn, as well as the player’s hand, to determine which hand is the winning hand.