Baccarat is one of the simplest card games, but one of the most enticing, too. If you have read the basic baccarat rules, you already know that both the player and the banker will receive two cards, each.
The cards are dealt in a specific order, which never changes. The first card goes to the player, the second one to the banker. The third one goes to the player, and the fourth to the banker, again.
Depending on the total, both the player and the banker can get their third card. We will go back to this a bit later.
The value of each card on baccarat sites is different from the other card games:
- Cards from 2 to 9 are valued in the standard manner
- Face cards – a Jack, a Queen, and a King have no value – they are equal t zero
- Aces are low – their value is one.
The total is calculated by simply adding the two cards. If one of the cards is a face card, then the total is equal to the other card.
Example: a 5 and a King will give a total of 5.
If the total is over ten, then only the last of the two digits is used.
Example: a 9 and a 7 is 16.
On baccarat sites, however, the total has to be a number between 1 and 9. For this reason, only the last digit is used. Therefore, the baccarat total of 16 is 6, just as the total of 14 will give out 4, etc.
Ace is always valued at one. Example: 5 and an Ace equal 6.
The total in baccarat cannot be zero. If either the player or the banker have a zero total (two face cards), then the third card is drawn.
If the player’s total is 1, 2, 3, 4, or 5, then the player will get the third card. The banker too will get the third card, however, the rules to this are a bit more complicated.
- The banker’s total is less than 4 – the banker will draw the third card, regardless of the player’s total.
- The banker’s total is higher than seven – the banker is not allowed to draw.
If the bankers total is either 4, 5 or six – whether or not the banker can draw the third card depends on the players total. The banker will be able to draw the third card in the following cases:
- Banker 4 – Player 2, 3, 4, 5, 6, and 7.
- Banker 5 – Player 4, 5, 6, and 7.
- Banker 6 – Player 6 or 7.
- If the banker total is between four and six, and the player’s total is NOT as stated above, the banker MAY NOT draw the thirds card.