Baccarat (Punto Banco) is the easiest game in the casino because you make no playing decisions. You only choose who you think wins: Player, Banker, or Tie. The cards then deal themselves by fixed rules.
Aces = 1 · 2–9 = face value · 10, J, Q, K = 0. Add the cards and drop the tens digit — only the last digit counts. So 7 + 8 = 15 → 5. The highest possible total is 9.
Two cards go to Player, two to Banker. If either side totals 8 or 9 on those first two cards, that's a natural — no more cards, highest total wins.
If no natural, the Player side acts first: draw a third card on 0–5, stand on 6–7.
The Banker's rule depends on the Player's third card — this is the only "complicated" part, and the trainer narrates it for you every hand:
| Banker total | Banker draws if Player's 3rd card is… |
|---|---|
| 0–2 | Always draws |
| 3 | Anything except 8 |
| 4 | 2, 3, 4, 5, 6, 7 |
| 5 | 4, 5, 6, 7 |
| 6 | 6, 7 |
| 7 | Always stands |
(If the Player stood, the Banker simply draws on 0–5 and stands on 6–7.)
Banker wins pay even money minus a 5% commission (0.95:1) — house edge ~1.06%, the lowest of the three. Player pays 1:1 — house edge ~1.24%. Tie pays 8:1 — house edge ~14.4%, the highest. Lower edge means less is lost per dollar wagered over the long run, but every hand is independent and any bet can win or lose on the day.
Set Players (top-left) to seat up to six bettors. There's still only one Player hand and one Banker hand — everyone bets on that same shared result, each from their own $1,000 bankroll. Click a seat to make it active, drop its chips, then switch seats. One Deal settles them all, and the trainer tracks each seat's stats separately.