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How to Play Baccarat

How to Play Baccarat | LeoVegas | Up to £100 Cash

At LeoVegas, our mission statement is to be the King of Casino, and in order to do that we have to host some of the best available table games for all of our loyal players. In addition to the likes of Roulette and Blackjack, we have a wide variety of Baccarat options available as well. Elsewhere, we have guides on how to play Roulette and how to play Blackjack, but here we’ll give you all the information you need on how to play Baccarat.

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The Basics of Baccarat

There are a few different versions of Baccarat, but the basics across the majority of them are the same. The main one is “punto banco”, and is so commonplace that many online casino venues and land-based casinos will refer to it simply as “Baccarat”. Players bet on the outcome before the dealer distributes four cards onto the table, two for each hand, one labelled as ‘Player’ and the other labelled as ‘Banker’. The aim of the game is to successfully predict which of those hands will achieve a value that is closest to 9.

Hand values are different in Baccarat than they are in other live casino games, but they’re not too complicated. The value of a hand is the combined total of all cards, but if the total is a two-digit number, you drop the left-hand digit. For example, a hand of 6 and 8 creates a total of 14, which would be a 4 in Baccarat. Cards from Ace to 9 are worth face value (with an Ace being worth 1), while 10s and Face Cards are worth 0.

How to Place Bets in Baccarat

As with Blackjack, the options for players to place wagers on will literally be laid out in front of you, as there are different segments on the table specifically designed for player bets. In fact, there are three bets in total that players can make, and they can do so by placing chips of desired value into the corresponding section.

There are also a few specialist side bets that players can wager on, but these don’t appear as standard in every game of Baccarat, and can vary between each version with our Live Baccarat Collection, and so we won’t cover them here.

Player, Banker, Tie


You should place a Player bet if you believe that the Player hand will win the round of Baccarat outright. If you’re correct in your prediction, this bet pays out at 1/1.


The Banker bet is similar to the Player bet, in that it pays 1/1, but it is actually slightly more likely than the Player bet. To combat this, you will generally be charged 5% commission by the casino on any winning Banker bet, although not in LeoVegas’ No Commission Baccarat.


If the final value of both the Player and Dealer hands are the same, it is a Tie. Betting on this outcome pays at 8/1 or 9/1, depending on the version of the game.

Third Card Rules

There’s no need for players to know the third card rules, as they’re pre-determined by the rules of the game, and the dealer will automatically adhere to these instructions. Players don’t have any agency or input, and the rules won’t change between casinos. However, for curious players, we’ll explain in a bit more detail. The third card will only be drawn in certain situations - never on an 8 or a 9 - and is dependent on the hand values in play.

Player Hand

The Player hand will be given a third card if the initial total is between 0 and 5, but will automatically stand on any other total value. It also doesn’t matter if the Player is “beating” the Banker hand 4-2, for example, the rule of the third card will always apply.

Banker Hand

The third card rule for the Banker hand is more complex than for the Player hand. Banker adds a third card if the total is 0, 1, or 2. If a Player draws a third card, the Banker draws a third card if the initial Banker hand is 3 and the Player third card hand value is anything other than an 8. If the Banker hand is a 4, a third card is drawn if the Player third card hand value is between 2 and 7. If the Banker hand is a 5, a third card is drawn if the Player third card hand value is between 4 and 7. Finally, the Banker hand will only add a third card if the Player third card hand value is 6 or 7.

Useful Baccarat Terms


Unlike ‘Blackjack’, which refers to the best possible hand, the name of this game actually refers to the lowest scoring hand value possible, that of zero.


Between games, and after shuffling, between three and six cards are discarded.

La Grand Natural

This is the best hand in Baccarat, and refers to a two card hand that totals 9.

La Petit Natural

This is the second based hand in Baccarat, a hand that totals 8.

Punto Banco

Punto Banco is an alternative name for the standard version of Baccarat.

Baccarat FAQs

How Do I Win at Baccarat?

Baccarat is purely a game of luck, and there is no player input during the game. All the actions for hands are pre-determined, rather than allowing players to choose whether they want a third card or not.

Should I Always Bet on Banker?

The Banker bet is often considered the best to play in Baccarat, due to the lower house edge. However, 5% of wins will generally paid as commission to the casino, so it levels the playing field somewhat.

Can I Go Bust in Baccarat?

Part of the draw of Baccarat is the fact that neither hand can go bust, as if the hand totals a double-digit number, the first digit will always be eliminated.

Does Baccarat Require Skill? Also part of the draw for players is that Baccarat requires very little skill, other than being able to place a chosen wager on the corresponding area on the casino table.

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Live Casino and Betting at LeoVegas

Baccarat is one of the most played live casino games at LeoVegas, and as such we have a diversity of variants of the game such as Speed Baccarat, where you can now put what you’ve learned in this guide into practice is you so wish. For further guides our casino blog contains information about further live casino games, as well as online slots such as Book of Dead and Starbust. Plus, the immensely popular Rainbow Riches is available to play right here, where you could trigger 3 special bonus rounds.

Bet On Sports

Despite our status as King of Casino, we have a few more tricks up our sleeve than online games at LeoVegas, including an array of wide-ranging online betting markets. To go hand-in-hand with these, we also have some information relating to specific sports such as football betting odds and tennis betting odds.

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