Game overview

Baccarat is a simple game where the player bets on which one of two hands will win (or on a Tie). These hands are known as the Player hand and the Banker hand. These terms however have no deeper significance than to distinguish between them. Each of the two hands is then played out according to set rules of drawing.

Once drawing is completed the two hands are compared and the result can be Player hand wins, Banker hand wins or hands Tie. The bettor may place his bet on any of these three outcomes prior to the cards being dealt.

The game is played with 8 decks of cards which are shuffled at the beginning of each hand.


This document provides information on Baccarat for the following game formats:

  • HTML5 Phone.

The Game

Starting the game

The game is played with 8 decks of cards which are shuffled at the start of every new game.

Selecting a chip

Press on one of the different valued chips to select it.

Placing a bet

Press on any of the bet boxes to place the selected chip; press again to add another chip to the current bet. The selectable bet boxes being Tie, Player or Banker. The bettor can select one or more of these boxes

Starting game buttons

  • Double – doubles the value of the bets on every box up to the table maximum.
  • Undo – removes chips from the bet boxes in the order in which they were placed.
  • Deal – starts the game; a card will be dealt to the Player, then one to the Banker, then a second card to the Player and finally a second card to the Banker. The rules for drawing additional cards are detailed below.

After game buttons

At the end of a completed game the following options are available:

  • Repeat – places the chips as per the previous deal but does not deal the cards
  • Repeat/Deal – places the chips as per the previous deal and then immediately starts the new deal


  • Information Display - at different points during game play this will show information about the game. 
  • Balance - shows the player’s balance.
  • Bet - displays the total bet value per game.
  • Paid - displays the total paid.
  • Last Bet - displays the total value of the last bet placed.

Game views

  • Phone - the game is played in portrait view.

Game play

Cards are given point values as follows: Ace = 1, 2-9 = face value, 10 and picture cards = 0.

Play begins by all players betting either on the "Player", "Banker", or a Tie. A card will be dealt to the Player, then one to the Banker, then a second card to the Player and finally a second card to the Banker.

The score of the hand is the right digit of the total of the cards. For example, if the two cards were a 9 and 5, then the total would be 14 and the score would be a 4. The scores will always range from 0 to 9 and it is impossible to bust.

A third card may or may not be dealt to either the Player or the Banker depending on the following rules:

  • If either the Player or the Banker has a total of an 8 or a 9 they both stand – this is known as a natural. This rule overrides all other rules
  • If the Player's total is 5 or less, then the Player hits, otherwise the Player stands
  • If the Player stands, then the Banker hits on a total of 5 or less. If the Player does hit, the chart below determines if the Banker hits (H) or stands (S):


  • Once all card drawing is complete, the score of the Player and Dealer are compared; the winner is the one that has the highest score
  • Winning bets on the Banker pay 19 to 20 (even money less a 5% commission)
  • Winning bets on the Player pay 1 to 1
  • Winning bets on a Tie pay 8 to 1
  • In the event of a Tie, Banker and Player bets will push


A roadmap facility is available to the player. This is in the format of a grid of 8 vertical rows by 12 horizontal columns. These track up to the last 96 hands played. Each cell of the grid will display 1 of 6 symbols. These symbols will indicate the following:

  • A Player win
  • A Banker win
  • A Tie
  • A Player win with a natural
  • A Banker win with a natural
  • A Tie with naturals

General information

Random game play

Cards are drawn from a shoe of 8 shuffled decks – play is random.

Return to player percentage

The expected return to player (RTP) reflects the theoretical return over a large number of plays. The RTP is expressed as the percentage returned to players in winnings of the total amount staked, e.g. if £1,000,000 was staked and £995,000 was returned, the RTP of the game for that period of play would be 99.5%. The expected RTP for this game is 85.64% - 98.94%. The actual RTP during a playing session can vary widely, in either direction, from the theoretical return.


Game rules and information can be accessed from the game.

The maximum win from a single game is £250,000.

Last modification date: 11/16/2023