# The Basics of Baccarat

Baccarat is one of the most popular casino games in the world. It has long been a favorite in the high-end gambling salons of Europe, but is now the game of choice in Asia and casinos across the United States. In fact, baccarat now accounts for more revenue for casinos than all other table games combined. Baccarat is the perfect game for players who want to sit down and enjoy some James Bond-style gambling without the complexities of other casino table games.

Players bet on either the Player hand, the Banker hand or a tie. Each hand is dealt two cards, and the winning hand is the one that gets closest to nine points. In addition, a third card may be dealt to either the Player or Banker hands if their totals go over 9 after the first two cards are dealt. Picture cards and Tens count zero points, and Aces are worth one point. The value of the total is calculated by adding up the values of all the cards and subtracting the tens digit (e.g. a seven and six will result in a value of 13, which is dropped to a three).

After the initial cards are dealt, the Banker and Player hands compare their totals. If the total is 8 or 9, the hand wins and all bets are paid out. If the hand is not an 8, a third card may be drawn for the Player or Banker hands depending on their totals and the rules of the specific baccarat game being played.

A third card is also drawn if the player or banker totals are 7 and the score of the Player or Banker hand goes above 8. In this case, the first digit is dropped, so a pair of 6 and 4 would have a value of 3, not 13. If the banker has a total of 2 or less, they will draw another card unless the Player total is an 8.

While the game is played with just one dealer and no other players at the table, it can still be confusing for a newcomer to the casino scene. The rules of baccarat are quite simple but they can vary slightly from casino to casino and game to game. Fortunately, if you take the time to understand the rules and payouts of baccarat, you will be able to play the game with confidence.

In general, the banker hand wins around 45.8% of the time and the player hand wins 44.6% of the time. Ties happen 9.6% of the time. The Tie bet pays 9:1 but has a house edge of over 4% and is not recommended. Players should always avoid betting on the tie bet if they are looking to maximize their bankroll. Baccarat is a simple game that requires little skill, but there are strategies that can help you win more often than not. The most important thing to remember is to be disciplined and set a bankroll and spending limits for yourself.