Is Baccarat Easy TO LEARN?

By Andrew O’Malley - August 14, 2023

Baccarat is one of the easiest casino games to learn. And it’s easy to see why:


Baccarat doesn’t need much action from the bettors — The dealer does everything and the rules you must follow are predetermined. Perhaps the only thing you need to do is choose where to place your bet, be it the banker’s hand, player’s hand, or a tie.


Baccarat needs no special skills – It is a game of chance where the cards in the shoe will determine your odds of winning. Unlike blackjack, where you can choose to hit, stand or split, baccarat requires little to no input from the player.


Baccarat is an even-money casino game – Although not exactly true, the odds of player wins and banker wins are almost 50/50. It is basically a fancy version of a coin toss, which makes your job easy.


You can win by just betting on the banker – Your chances of winning are more than half when you bet on the banker consistently. You can expect banker wins to come 45.8% of the time. The casino takes a 5% commission to offset this imbalance in the odds.


The house edge of baccarat is pretty low – You can practice baccarat using a small amount of money since the house edge is fairly low. The house advantage for the banker is 1.06%, while that of the player and tie bets is 1.24% and 14.4%, respectively.


There are few betting options – You have three bet options in baccarat. You can bet on the banker, the player, or the tie. It’s that plain and easy to understand and master.

Understand the basics of the game

Baccarat is a popular casino game of pure chance. Although it is featured in films like James Bond as an elegant and formal game, it is actually reasonably basic and easy. The gameplay is not complex and the pace is slow, making it a beginner-friendly game. Not to mention, the game does not require any special skill or strategy.

On the other hand, the odds of the game of baccarat are fairly high. The house edge is among the lowest in the casino world. 

Other aspects of the baccarat game you need to understand as a beginner include:


The three betting areas – Each bettor will have three bet circles or boxes in front of them on the felt table top. One box each for the Tie, Banker, and Player.


The croupier – Also known as the dealer, the croupier is responsible for dealing out the cards. In the classic version of baccarat, one of the players is selected to be the dealer. However, in mini-baccarat and other modern baccarat games, there is a designated dealer hired by the casino. The dealer position is right at the center of the table.


The house commission – The casino takes a fee on all winning bets on the banker. This is usually 5% and there is a commission box in the land-based version of the casino.


The baccarat table – The traditional baccarat table found in brick-and-mortar casinos typically has between 7 and 14 seats for the bettors. Only two hands of cards are dealt no matter how many players sit at the baccarat table.

These features may vary a bit from one baccarat game to the next. The common baccarat games you will find include baccarat chemin de fer, punto banco, and baccarat Ban

Establishing Realistic Profit Goals

Baccarat is essentially a card game. It uses either 6 or 8 decks of 52 playing cards. Point calculation makes baccarat stand out from other casino cards. Instead of having the highest point score of 21, the best score you can get is 9.

Here are important things you need to know about baccarat cards and the calculation of hand values:


Each ace is worth a point


Numbered cards 2 through 9 are worth their face value. For instance, card numbered 3 is worth three points, while card numbered 7 has a value of seven points.


Tens and face cards are worth zero points. This applies to 10s, queens, jacks, and kings.


The value of each hand is equal to the point total of the individual cards. For instance, a hand with 7 and 2 has a value of 9 points.


The first digit is ignored when the hand’s value exceeds 9. The second digit becomes the automatic value of the hand. For instance, a hand with 9 and 8 has a value of 7, not 17.

Begin with a game plan and strategy

You must have a game plan before you start playing baccarat. It involves…


Setting a baccarat budget – You should set aside the money you can afford to lose. Sticking to your budget will ensure you don’t get carried away. Treat these funds as money for entertainment.


Setting a win limit – Baccarat winning streaks do not last forever. You don’t want to be up and then lose everything at the end of your playing session. The best time to stop playing is when you have reached your win limit. Some players aim to double their bankroll, while others may go for a set amount of winning like $200.


Using a cash or cash equivalent – When you go to a physical casino to play baccarat, ensure to bring and only use cash. You should leave your debit card and credit cards at home. If playing baccarat online, set deposit limits using controls provided by responsible gambling websites like

Place your bets

You have to make your baccarat bets before the cards are dealt out by the dealer. You have three betting options:

Player’s hand – a winning player bet pays 1 to 1 or even money

Banker’s hand – A winning banker bet also pays 1 to 1 because it is an even-money bet. The casino takes a vig or commission on all winning bets placed on the banker. So, if you bet $100 on the banker and win, you will be paid $100 in profits minus the vig/commission of $5 (5% of $100).

Train – Not a common selection, a tie pays 8 to 1 or 9 to 1 when it wins.

Understand how baccarat betting rounds work

A betting round of baccarat is not complicated but can be confusing for a novice player. Here are the steps taken in each betting round.

How cards are dealt
The first two cards are dealt to both the player and the banker on the table. The dealing of cards starts with the player box

The natural win is checked
If the total value of the first two cards on either the banker’s hand or the player’s hand is 8 or 9, it is called a natural win. If that happens, there are no additional cards dealt and the game is over. 

The third card draws
If both hands do not have a natural win (8 or 9), a third card may be drawn by the dealer on the banker’s hand, player’s hand, or both. It depends on the point total of each hand. The third card rules for both the player and the banker are well-defined and easy to understand.

Player Third Card Rules
Generally, the player can draw a third card when the total of the first two cards is between 0 and 5. The only exception is when the banker has an 8 or 9. In that case, all bets on the banker’s hand win, and the betting round is over.

The player draws no additional cards if the hand’s value is eight or nine points. The player will also stand on a total of six or seven points.

Banker Third Card Rules
The banker’s third card rules are more complex than the player’s. Winning bets and whether the banker draws a third card will depend on the extra card drawn by the player.

The banker can draw a third card if:


The hand’s value is 0, 1, or 2. In this case, the banker draws a 3rd card unless the player has a natural 8 or 9.


The bank hand’s value is 3, and the player draws a third card worth 0 through 9. The banker draws a third card unless the player’s third card is an eight, in which case the banker stands.


The banker’s hand has a total of 4. The banker draws if the Player’s third card is 2 through 7. Bank stands when the Player’s third card is 0, 1, 8, or 9.


The banker’s hand has a total of 5. The banker draws if the Player’s third card is 4 through 7. Bank stands when the Player’s third card is 0, 1, 2, 3, 8, or 9.


The banker’s hand has a total of 6. The banker draws if the Player’s third card is either 6 or 7. Bank stands when the Player’s third card is 0, 1, 2, 3, 4, 5, 8, or 9.


The banker always stands at 7. The banker draws no additional card if the hand’s value is an 8 or 9, which is a winning bet.

Understand how to win baccarat

The object of baccarat is to bet on the hand closest to 9. If your hand has the highest score, your bet wins, and the payout is paid out based on the payout table. If you bet on a tie, you get paid 8 times or 9x your wager. If you bet on the banker, you will get double your wager minus the 5% commission. All winning player bets receive 2x your stake.


Is baccarat hard to learn?

Baccarat is not hard to learn because the gameplay and rules are simple. There are no complex skills or strategies required to get started.

Who invented the baccarat?

It is thought that Felix Falguiere invented the game of baccarat in the 1400s in Italy. Felix called his newly invented game baccarat, which is Italian for zero.

Does baccarat require skill?

Baccarat does not require any special skill like baccarat or poker. The dealer takes care of almost every step and makes all the necessary actions in the game. It is a game of chance and skill is rarely important.

Is baccarat easier than blackjack?

Yes, baccarat is easier than blackjack because it has only three possible betting options. The rules are pretty simple and straightforward, too.

Why do Chinese people love baccarat?

Chinese love baccarat because of the number 8 which is prominent in the game. They also love the element of luck involved in playing baccarat.

Is there a trick to baccarat?

While there’s no foolproof trick to winning at baccarat, the Martingale System is a popular strategy. It involves doubling your bet after a loss, aiming to recover previous losses and gain a profit with a single win. This system can be risky, so it’s important to manage your bankroll carefully.