How to play baccarat
Place your bet
Put chips on Player, Banker or Tie, or on more than one.
The deal
Player and Banker get two cards each. Tens and picture cards count 0, aces 1, and a total keeps only its last digit, so 7 + 8 makes 5.
Third cards
The standard rules decide whether either hand draws a third card. You make no choices after the bet.
The result
The total closest to 9 wins. On a tie, Player and Banker bets get their stake back.
New to it? Practice mode uses free chips, not Diamonds, with the same odds and tables.
Baccarat payouts and odds
| Bet | Pays (stake included) | Wins | On a tie |
|---|---|---|---|
| Player | 1.8033x | 44.61% | Stake back |
| Banker | 1.755x | 45.84% | Stake back |
| Tie | 9.4314x | 9.54% | Wins |
The chances are exact counts over every possible deal. There’s no separate commission on Banker: instead each bet’s payout is set so it returns 90% (house edge 10%).
Baccarat third-card rules
- A natural: if either hand totals 8 or 9 with its first two cards, both stand.
- Otherwise Player draws on 0 to 5 and stands on 6 or 7.
- If Player stood, Banker draws on 0 to 5 and stands on 6 or 7. If Player drew, Banker follows the table below.
| Banker total | Banker draws if Player’s third card is worth |
|---|---|
| 0, 1 or 2 | Anything |
| 3 | Anything but 8 |
| 4 | 2 to 7 |
| 5 | 4 to 7 |
| 6 | 6 or 7 |
| 7 | Never: Banker stands |
Limits
One round can pay at most 250,000 Diamonds, and no multiplier goes past 1,000x. Members can stake up to 5,000 Diamonds a round, and a VIP pass raises that. Your daily loss limit covers every game.
How to verify a Baccarat result
Each deal uses six numbers, one per card: floor(f × 52). They’re dealt Player, Banker, Player, Banker, then Player’s and Banker’s third cards if the rules call for them. Cards come from an endless shoe, so every card has the same chance each time. The numbers come from your seeds: f = the first 52 bits of HMAC-SHA256(server seed, “client seed:nonce”) ÷ 2^52, and each extra number adds “:1”, “:2” and so on to the message.
Before you bet
You see the SHA-256 hash of your server seed, which fixes it. Set your own client seed whenever you like.
Reveal the seed
Rotate your seed pair on the Fairness page. The old server seed is revealed and a new pair starts.
Recompute
Check that the seed hashes to what you saw, then paste it into the game’s verify panel, or any HMAC-SHA256 tool, to get the same result.
More on the method: Provably fair and What provably fair means.
Frequently asked questions
Is it better to bet on Player or Banker?
Neither returns more: each is set to 90%. Banker wins slightly more hands (45.84% against 44.61%) and pays a little less.
What does a Tie pay?
9.4314x your stake, stake included. Ties happen in 9.54% of hands.
Do I need to know the third-card rules?
No. They’re applied for you; the table above shows them if you’re curious.
Can I count cards?
No. Cards come from an endless shoe, so past cards say nothing about the next one.
More games like this
Roulette
A European single-zero wheel. Bet on a number, red or black, odd or even, low or high, or a dozen.
Hi-Lo
Guess whether the next card is higher, lower or the same, and cash out between guesses.
Scratch
A 3×3 scratch card. Three matching symbols win that prize.
Every game is on Casino games. New to the words? The glossary explains RTP, house edge, seeds and nonces.
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