Baccarat rules

Drawing and Standing in Baccarat

Baccarat is a game that requires no more thinking after betting; the rules on standing or drawing another card are already set depending on the hand’s total value. In a full-blown game of Baccarat, there is a drawn-out process of dealing cards that requires a show of exchanges between the Player and Banker, with each announcing the total value of the others’ hand. However, most of the time the cards are simply dealt quickly and with no fuss.

In this case, the Dealer distributes two cards each to themselves and the Player. Getting a total of 8 or 9 is called a “natural” win and is the highest possible hand for both the Player and Banker. If either gets a natural on the first two cards, then no additional cards are drawn. The natural hand automatically wins unless the opposing hand either has a higher natural or a tie.

To determine whether the Player should draw a third card is quite simple, as illustrated in the table below:

Baccarat play rules

If the Player stands or receives a natural, the Banker only needs to pay attention to his own hand and plays by the same rules. This means that the Banker will also draw a third card with a total of 1 to 5, and stand on a 6 or higher. The Banker’s rules for drawing a third card are a little more complicated and may depend on both their own hand value and the value of the Player’s third card. The Banker always draws on a total of 0 to 2 and the remaining Baccarat drawing rules for the Banker are shown below:

When it comes to Baccarat drawing rules, there are never more than 3 cards dealt to both the Player or Banker. The total is compared after dealing the second or third card, and then all wins are paid.

Let’s take a quick look at some possible scenarios below:

Player: two-card; Banker: two-card

Baccarat drawing rules

  • Player’s hand: 3♣ and 4♠
  • Banker’s hand: 8♦ and Q♦

This is an example of a simple game of Baccarat. The Player gets a hand totalling 7 and therefore stands. The Banker receives a hand with a total of 8 – a natural win – and wins the round.

Player: two-card; Banker: three-card

  • Baccarat drawing rules 2
  • Player’s hand: 5♦ and 2♣
  • Banker’s hand: 6♣ and 8♦ + 4♠

In this scenario, the Player is dealt a hand with a total of 7 and therefore, stands. On the other hand, the Banker’s initial hand only totals 4. Therefore, the Banker receives a third card and brings his total up to 7. This round ends in a tie.

Player: three-card; Banker: two-card

Baccarat Drawing Rules 3

  • Player’s hand: 3♠ and 9♥ + 5♦
  • Banker’s hand: 5♠ and A♠


In this scenario, the Player’s first two cards equal 2 and as the rules dictate, a third card is dealt. According to the rules, the Banker does not draw a third card under these conditions:

  • The Banker’s first two cards equals 6; and
  • The Player’s third card is valued at 1, 2, 3, 4, 5, 8, 9, or 10.

Since the Player’s initial hand equals 2 and the third card is a 5, the Banker does not receive a third card because the initial hand equals 6. The Player wins this round.

Player: three-card; Banker: three-card

Baccarat drawing rules 5

  • Player’s hand: K♥ and A♠ + 4♠
  • Banker’s hand: 2♣ and 2♥ + 3♦

The Player’s initial hand only totals 1. With the third card, the total is now brought up to 5. Looking at the Banker’s hand, the initial hand totals 4. According to the rules, the Banker draws a third card under these conditions:

  • The Banker’s first two cards equals 4; and
  • The Player’s third card is valued at 2, 3, 4, 5, 6, or 7.

Under these rules, the Banker then draws another card, bringing the hand value up to 7. The Banker wins this round.