The goal of the card game Baccarat is to get as close to 9 as you can without going over. While this is technically a gambling game, it does not have ads & does not use real money. The game can be used to teach probability and how the house wins. Probability tables are included below the game.
Choose to bet on the banker, player, or for a tie.
Place your bet amount.
The cards will be dealt automatically.
Play Baccarat Game Online
Children and parents can play this simple online baccarat card simulation video game by clicking in the window below.
Alternatively kids and adults can play this card game for free as a web application here.
Baccarat Card Game Play Instructions
How to Play
Choose to bet on the banker, the player or a tie. Then set your bet. Cards are dealt. This is entirely a game of luck rather than skill. 🙂
Starting the Game
The game automatically loads and puts you in the middle of gameplay.
It starts you out with $10.
Select which outcome you want to bet, bet the chips you want to bet, and click on the deal button.
Use your mouse left click button to choose which outcome you want to bet, scroll through chip values, click on chips to set your bet, and to have cards dealt.
Use your finger to touch the screen.
The game shows your total balance, total bet, minimum and maximum bets across the top of the screen.
In the upper right corner there are buttons for controlling sound and a menu showing the paytable and a help button.
Baccarat Game Rules
Baccarat is played with 8 decks of 52 cards, which are shuffled together before each round. The goal of each game round is to predict which hand will be the highest among the player or banker, or to predict a tie.
The player and the banker are dealt either 2 or 3 cards.
Initially 2 cards are dealt.
If the player or banker is dealt 8 or 9 this combination is considered natural and cards are no longer dealt.
If neither the player or the banker have a hand value of 8 or 9 the game proceeds with third card rules.
If a player has a hand value between 0 and 5 they are dealt a third card.
If a player has a hand value of 6 or 7 they stand.
If the player stands, the banker draws a third card if the banker’s hand is between 0 and 5.
If the player draws a third card the value of the card drawn by the player determines if the banker gets a third card.
if the player draws a 9 the dealer gets another card if the dealer’s hand valued is 3 or less
if the player draws a 8 the dealer gets another card if the dealer’s hand value is 2 or less
if the player draws a 7 the dealer gets another card if the dealer’s hand value is 6 or less
if the player draws a 6 the dealer gets another card if the dealer’s hand value is 6 or less
if the player draws a 5 the dealer gets another card if the dealer’s hand value is 5 or less
if the player draws a 4 the dealer gets another card if the dealer’s hand value is 5 or less
if the player draws a 3 the dealer gets another card if the dealer’s hand value is 4 or less
if the player draws a 2 the dealer gets another card if the dealer’s hand value is 4 or less
if the player draws a 1 the dealer gets another card if the dealer’s hand value is 3 or less
if the player draws a 0 the dealer gets another card if the dealer’s hand value is 3 or less
The hand with the value closest to 9 wins.
Hands of an equal value are a tie.
The value of the hand is the sum of the value of the cards in it. The number cards from 2 to 9 count as their face value. Kings, Queens, Jacks and Tens count as zero. Aces count as one.
If the total hand value is 10 or more you subtract 10 from it.
You can choose to bet on the banker, the player, or on a tie.
One could actually bet different amounts on multiple outcomes in the same hand.
This game starts with a balance of $10.
Players may bet in any amount using chips valued at 10 cents, 50 cents, $1, $5 or $10 up to a max bid of $10.
Scroll left or right using the arrows near the chips to change chips or click on a chip value to select it.
When you have the chip you want to use at the center click on whichever outcome you want to bet on.
One can bet 80 cents by clicking on the 50 cent chip once and the 10 cent chip 3 times.
Even if you win dozens or hundreds, the max bid remains set at $10.
Click the X to the right of the chips on the table to remove them.
If you run out of chips and try to bet again by clicking on the “New Bet” button the game offers a recharge button which gives another $10 in chips.
After setting your bet click on the deal button on the right side of the screen.
After the first hand is dealt you can click on rebet to bet the same amount again, or click on new bets to bet a different amount.
When you rebet you bet the amount of your initial bet again rather than letting the bet and the winning ride to double the bet.
In the lower left corner of the game it shows the game history for the 4 most recent hands.
The dealer is on the left and the player is on the right.
Yellow indicates win & white indicates loss or tie.
This game is fun for fans of card games, gambling, or people who want to learn about probability through play.
This is a gambling game, but does not use real money chips. Outside of the topic of gambling there are no adult themes in this game.
Baccarat Pay Table: Winning Bet Payouts
Bet / Outcome
9 for 1
2 for 1*
2 for 1
* Since the odds are slightly in the bank’s favor a 5% commission or vig is deducted from all winning bets on the banker. A bet of $5 that wins will have you get your $5 bet back along with an additional $4.75.
Comparing 6 Deck vs 8 Deck Play
Some casinos play with a 6 deck game while others play with an 8 deck game. Changing the number of decks used alters the odds of game outcomes. More decks shifts the probability of victory in the dealer’s favor.
The above probabilities lead to the following house advantages for various bet types
Bet bank with 5% vig
Bet bank with 4% vig
Bet tie 9:1
Bet tie 8:1
From the above table you can see betting on a tie offers the worst possible returns over time & betting on the dealer gives you slightly better odds than betting on the player.
Does Card Counting Work in Baccarat?
Dr. Edward O. Thorp is famed for authoring a blackjack book named Beat the Dealer in 1962. In that book he explained how to use card counting to win in blackjack. In The Mathematics of Gambling, a subsequent book published in 1984, he covered how card counting can not offset the dealer’s advantage in baccarat.
Like This Game? Review This Online Cards Game for Kids & Adults
This game is rendered in mobile-friendly HTML5, so it offers cross-device gameplay. You can play it on mobile devices like Apple iPhones, Google Android powered cell phones from manufactures like Samsung, tablets like the iPad or Kindle Fire, laptops, and Windows-powered desktop computers. All game files are stored locally in your web browser cache. This game works in Apple Safari, Google Chrome, Microsoft Edge, Mozilla Firefox, Opera and other modern web browsers.
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