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Baccarat
Game
Objective
Choose which hand you choose to play,
the Player’s hand (pays 1:1), the Banker’s hand
(pays 1:1 less a 5% house commission), or a tie (pays 8:1).
The Player and the Banker then receive 2 cards each. The
object of the game is to attain a total as close to 9 as
possible. Aces are worth 1, face cards and tens are worth
0 the remaining cards are worth their face value. If the
total of the hand exceeds nine, the value of the right digit
is taken. For example, a 9 and a 6 (15) would equate to
5.
The rest of each round is dictated by
the following rules:
-
If either
the Player's or the Banker's hand totals 8 or 9, neither
player receives a third card and the hand closest to nine
wins.
-
The
Player's hand will always hit on a total of 5 or less
and will stand on 6 or higher.
-
If the
Player stands, the Banker will also hit on a total of
5 or less and will stand on a total of 6 or more.
-
If
the Player takes a third card, the Banker proceeds based
on the following table. The Banker’s response is
based on the Player's third card.
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0
|
1
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2
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3
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4
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5
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6
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7
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8
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9
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|
7
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S
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S
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S
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S
|
S
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S
|
S
|
S
|
S
|
S
|
|
6
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S
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S
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S
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S
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S
|
S
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H
|
H
|
S
|
S
|
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5
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S
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S
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S
|
S
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H
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H
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H
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H
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S
|
S
|
|
4
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S
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S
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H
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H
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H
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H
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H
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H
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S
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S
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3
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H
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H
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H
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H
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H
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H
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H
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H
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S
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H
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2
|
H
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H
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H
|
H
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H
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H
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H
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H
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H
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H
|
|
1
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H
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H
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H
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H
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H
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H
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H
|
H
|
H
|
H
|
|
0
|
H
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H
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H
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H
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H
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H
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H
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H
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H
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H
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=
PLAYER'S THIRD CARD
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=
BANKER'S SCORE
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S
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=
STAND
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H
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=
HIT
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Types of Bets
There
are 3 kinds of bets in this game: Banker, Player, and Tie.
The payouts of Banker and Player are 1:1, and the payout
of Tie is 9:1 (or 8:1). Winning Banker bets are charged
a 5 percent commission (Binion's Horseshoe in Las Vegas
charges 4% commission).
Expected Gain/Loss
The
following chart shows the probabilities of events:
|
Number
of Janks
|
Banker
Wins
|
Player
Wins
|
Tie
|
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Infinite
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45.8428%
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44.6147%
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9.5426%
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8
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45.8597%
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44.6247%
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9.5156%
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6
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45.8653%
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44.6276%
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9.5069%
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4
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45.8761%
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44.6340%
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9.4898%
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2
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45.9073%
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44.6508%
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9.4419%
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1
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45.9624%
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44.6760%
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9.3615%
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The following chart shows the house edges on different bets:
|
Number
of Janks
|
Banker
Wins
|
Player
Wins
|
Tie
|
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5%
Comm.
|
4%
Comm.
|
9:1
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8:1
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Infinite
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1.0640%
|
0.6056%
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1.2281%
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4.5744%
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14.1170%
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8
|
1.0579%
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0.5993%
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1.2351%
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4.8440%
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14.3596%
|
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6
|
1.0558%
|
0.5972%
|
1.2374%
|
4.9313%
|
14.4382%
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4
|
1.0517%
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0.5929%
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1.2421%
|
5.1018%
|
14.5916%
|
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2
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1.0389%
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0.5798%
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1.2565%
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5.5809%
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15.0228%
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1
|
1.0117%
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0.5521%
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1.2864%
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6.3846%
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15.7461%
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Counting Method
When
the rest of Janks are 6-or-7 full (i.e., have more 6s and
7s than as usual), it is better for the Tie bet. But in
order to convert the 4.8% house edge, the rest of Janks
must have at least twice 6s and 7s than the average of other
kinds. It is similar as adding 4 6s and 4 7s to a fresh
single Jank.
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