Baccarat Variations

BaccaratBaccarat game knows several variations from a region to another and from a casino to another, with small rule alterations.

The Baccarat game has several variations of rules and therefore playing from a region to another, or from a casino to another could be confusing if you know as a player only the main game rules. Here are below the main variations it is most likely to play: Baccarat Punto Banco, Mini-Baccarat, Makccarat, Baccarat Chemin de Fer and Baccarat Banque.

Baccarat index

Punto Banco (North American Baccarat)

In North American countries (and also specific in some other countries like Australia, Sweden or Macau), we will find a variation of baccarat called Punto Banco. This version attracts wealthy players of a casino; in some nights there could be won or lost millions of dollars. In this variation the casino banks the game. Players may bet on either the player hand or banker hand. In Punto Banco the cards are dealt face down (one to the player, one to the banker, again one to the player and one to the banker). After that both cards are turned over and the croupier calls the total value. In this point the table of play is used to see if further cards need to be dealt or not. The hand with the highest value (closer to 9) wins.

The rules for this situation are simple. For detail please see how to play baccarat.

Swiss Casino Roulette Games

The croupier will deal the cards according to the tableau and the croupier will announce the winning hand – either ‘Player’ or ‘Banker’. Losing bets will be collected and the winning bets will be paid according to the rules of the house.

Punto Banco Baccarat uses 6 or 8 card decks.

Punto Banco could be also played in two smaller versions:


It is the same game as above, but played at a smaller table (similar to the BlackJack table). Here we will find only one dealer handling the entire game.

Mini-baccarat Table


Makccarat is a modified version of the other baccarat games, but with quite simpler rules to play. In this game, if either the player or banker hits a natural 8 or 9, the game ends immediately with the higher hand winning. In the case neither the player nor the banker has a natural 8 or 9, the one with the lowest hand value draws another card. If by doing so his hand is still lower than the other’s hand the game ends and the higher hand wins; however if the hand becomes higher than the other’s hand, the opposite will also have to draw a card – at this point the one with higher total wins. In the situation of a tie, the player will be the first to draw another card, and the rules above apply.

Baccarat Chemin de Fer

In baccarat Chemin de Fer players use 6 full decks of cards, shuffled together. The players seat around the table, and in the center of the table there is a basket where used or waste cards are thrown in. The croupier of the table has to shuffle all the cards, along with all the players at the table, clockwise. Once all cards shuffled, the croupier offers the cards to the player in his left who will cut the deck; afterwards the croupier takes a manageable amount of cards and passes them to the player in his right, who now becomes the banker (also called the dealer), while the other are the punters.

The dealer places places before him the amount he is willing to risk in the game. Players come to make their stakes. Any player beginning with the one immediate to the right of the dealer is entitled to say “banco”, meaning “go bank” = playing against the whole of the banker;s stake. If no one is “going bank”, each player places his stake on the table before him. If the total so staked by the seated players is less than the banker’s amount, other persons standing round the table may stake additionally. If the total amount staked by seated players is more than the banker’s stake, the banker has the right to decline any stake in excess of his limit.

From this point the banker will be dealing 4 cards face downwards, 2 for the punters, and 2 cards for him. Then each of them look to their cards, and if any of them find they made either 9 or 8, they must turn the cards face up, announcing the value and the hand is at the end. If the banker’s points is better, all punter stakes become the propriety of the bank. If the punter’s point is the better, the banker pays each punter the stakes won. If the banker is the winner, he deals again, otherwise the cards are passed to the next player who becomes the new bank and a new hand is played as above.

On the other hand, if none of the players / bank turns the cards up that means that no one has a value of 8 or 9. In this case the banker has to offer the third card. If the player is baccarat (hand value is zero), 1, 2, 3 or 4 he will accept replaying yes or “card”, and the third card is dealt to him, face upwards. If the player has 6 or 7 he will refuse the third card. The play outside these rules are seen as a breech in the game playing.In the case the player has a 5 pints value hand, he can either accept or refuse the card. The banker will have now to decide at this pint whether he will deal another card for himself, basing his decision on the cards he holds, the player’s decision and the third card faced upwards (if any). After that, the banker shows the cards, and pays or is getting paid by the case. In the situation of a tie, no one wins or loses, and the stakes remain for the next hand.

The banker is not allowed to withdraw any of his winnings, and if he wants to retire he must say “I pass the deal”. In such situation each of the other players has the option of taking the role of the banker. If none accepts, the next player to the right will automatically become the new dealer/banker.

When the first supply of cards is almost over (if less then 7), the croupier throws to the basket the waste cards and takes a new manageable amount of cards offering them to the dealer.

Baccarat Banque

In baccarat Banque the games goes much like in the Chemin de Fer option. A difference would be that in tjis game there will be used about 3 packs of cards, and that the dealer / banker get to keep his position until the end of the cards from the deck, not as in the Chemin de Fer where he must retire if he loses. In Baccarat Banque the banker has however the option toretire if he wants so at any time before as long as it’s of free will or he suffered a high loss of his finances.

The shuffling process is similar to the Chemin de Fer, however the banker will seat here in a special spot, with the rest of 10 players seated (full table, 5 on each side). As soon as the stakes were made, the banker gets the cards from the croupier and deals 2 cards to the player in his right, then to the player in his left and then to him. The 5 players on the right win or lose based on the cards dealt on that side of the table; same for the players in the left.

Rules of turning up the cards if 8 or 9, refusing or asking for a third card are the same as in Baccarat Chemin de Fer. Each player gets to keep the cards in from of him for as long as he wins. If he loses the next round the cards will be dealt to the next seated player on that side. This assures a rotation and variety of playing. Any player can “go bank”, these options can be used first by the player in the right and the one in the left. If these 2 players do not “go bank”, the options goes to the next players seated. If 2 players (one from each side) decide to “go bank”, the must go half shares. If the players “going bank” lose, they have the option to do so for further 2 times in a row, but if each time they lose, the forth time “going bank” is against the rules.

When the banker retires, he gets the seat of the player deciding to be the new dealer (in order of rotation). This way places are changed between a player and the dealer.