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Atlantic City Blackjack

Atlantic City Blackjack tends to have the best rules for players out of all the versions found online. Played with 8 decks, the Dealer stands on all 17’s and above, even if all hands stand to win if they stand.

In this article, we will explain the following. You may click on any of the links below to bring you to that point within the article.
 

 

Atlantic City Blackjack Rules

Players can double on any starting hand and can split every pair once. You are able to double after splitting once but cannot split a hand twice. When splitting Aces, only one further card is allowed.

Insurance is available and pays 2 to 1 whilst Blackjack pays 1.5 to 1.

If the Dealer shows an Ace, players are offered Insurance and then the Dealer will check for Blackjack before any further action, the hand ends if they have Blackjack and Insurance wins if they don’t then any Insurance bets are collected as losers and the hand continues as normal.

There is an option to Surrender in Atlantic City Blackjack which means you can give up your hand before you make any further actions such as Hitting or Standing, you get half of your stake back, this can be useful in some circumstances where the Dealer has a high upturned card and you have a hand that is unlikely to win.

Atlantic City Blackjack game

Above is an example of the layout for an Atlantic City Blackjack game, you will see that you can choose to play up to 5 hands at a time if you wish, each of them just needs to beat the Dealer in order to win.

Atlantic City Blackjack Rules
RTP: 99.65%
Blackjack Pays: 3 to 2
Number of Decks: 8
Dealer Rule: Stand on all 17’s and above
Dealer Peek: Yes
Insurance: Yes
Surrender: Yes after first 2 cards
Split: Yes
Re-Split: Yes
Double: Yes
Double after Split: Yes
Hit Split Aces: Yes
Side Game: No
Multiple Hands: Yes

 

Strategy

Atlantic City Blackjack is a fairly standard version and therefore there aren’t any rules that differentiate the standard strategy.

Remember the chart below is just a suggestion and the casino will always have the edge over the player as in any casino game.

However, by following the chart below, you will have the best possible chance of finishing ahead in any session that you play.
 
Hard Hands – No Ace

Dealers Upturned Card
Your hand 2 3 4 5 6 7 8 9 10 A
5 to 8 H H H H H H H H H H
9 H D D D D H H H H H
10 D D D D D D D D H H
11 D D D D D D D D D H
12 H H S S S H H H H H
13 S S S S S H H H H H
14 S S S S S H H H H H
15 S S S S S H H H SR H
16 S S S S S H H SR SR SR
17+ S S S S S S S S S S

H = Hit D = Double
S = Stand SR = Surrender

 
Soft Hands – With an Ace

Dealers Upturned Card
Your hand 2 3 4 5 6 7 8 9 10 A
A2 H H H D D H H H H H
A3 H H H D D H H H H H
A4 H H D D D H H H H H
A5 H H D D D H H H H H
A6 H D D D D H H H H H
A7 S D D D D S S H H H
A8 S S S S S S S S S S
A9 S S S S S S S S S S

H = Hit D = Double
S = Stand

 
Pairs

Dealers Upturned Card
Your hand 2 3 4 5 6 7 8 9 10 A
2,2 SP SP SP SP SP SP H H H H
3,3 SP SP SP SP SP SP H H H H
4,4 H H H SP SP H H H H H
5,5 D D D D D D D D H H
6,6 SP SP SP SP SP H H H H H
7,7 SP SP SP SP SP SP H H H H
8,8 SP SP SP SP SP SP SP SP SP SP
9,9 SP SP SP SP SP S SP SP S S
10,10 S S S S S S S S S S
A,A SP SP SP SP SP SP SP SP SP SP

H = Hit D = Double
S = Stand SP = Split

Atlantic City Tips

Never take Insurance- this is always tempting if the Dealer shows an Ace, but it is one of the worst Casino bets around. At the standard payout of 2 to 1, Insurance is a bet that is 8% against the player and therefore should be avoided at all costs – you may get a win some of the time, but long term you will always be a losing player with this type of bet.

Don’t be afraid to Surrender – It is understandable that some players don’t like giving up their hand and accepting a loss without taking it all the way, but it is an advantage to the player to have this option as not all versions of Blackjack offer it, so make the most of it when you can.

Always play within your means – this counts for all casino games, not just Atlantic City Blackjack, but the aim of the game is to enjoy yourself and you won’t do this if you are gambling money you can’t afford to lose or getting worried and/or upset every time you lose a hand.

Blackjack References:

Blackjack Odds
Play European Blackjack for Practice
Blackjack Strategy Card
Spanish 21 Blackjack
Blackjack Tips


Spanish 21 Blackjack

Spanish 21 is a variation of the standard game Blackjack with a few differences, this article concentrates on those differences and assumes you know the basic rules of Blackjack. This can be found in a separate article if you need a refresher.
 
The main difference between Spanish 21 and most other forms of Blackjack is that it is played with a Spanish deck of cards that has 48 cards instead of the usual 52 – the deck is the same with all 10’s removed.
 
As a 10 is an important card in all forms of Blackjack, you would have thought that this gives a huge advantage to the House. You would be correct if that was the only change, however, a number of other features have been added in an attempt to offset this. Spanish 21 actually has a slightly better edge for the player than many forms of Blackjack.

Spanish 21 Rules

• Late Surrender is allowed, not just after your first 2 cards have been dealt
 
• You are able to Double after a Split
 
• You can re Split Aces
 
• A hand with 21 always wins even if the Dealer also gets 21
 
• Blackjack always wins even if the Dealer also gets Blackjack
 
• You can Double at any time after as many cards as you wish
 
• You can normally Hit and Double after Splitting Aces – this can vary so is worth checking
 
• You can Surrender after Doubling, known as Double Down rescue. You lose your initial stake which is effectively getting back half your total outlay for the initial stake and the Double
 
• A 5-card 21 pays 3 to 2, a 6-card 21 pays 2 to 1 and 7-card or higher 21 pays 3 to 1. This bonus doesn’t count if you have previously Doubled
 
• A hand consisting of 6-7-8 or 7-7-7 of mixed suits pays 3 to 2, if suited it pays 2 to 1. Either of these hands with all Spades pays 3 to 1. Again, this doesn’t count if you have previously Doubled
 
• A suited 7-7-7 when the Dealer has a 7 face up pay $1,000 if your bet is between $5 and $24 and a whopping $5,000 Super Bonus if your bet was $25 or more. If you are playing live with other players, they will each receive a $50 ‘Envy Bonus’ if this comes in.

Variable rules

 
Spanish 21 does have some variables which differ depending on where you play so be sure you check these before you start playing.
 
• Either 6 decks or 8 decks of cards are used
 
• The dealer can sometimes Hit or Stand on soft 17 – a hand that includes an Ace meaning the Dealer has 7 or 17
 
• Some casinos will allow you to Double a hand up to 3 times
 
• Some casinos will not pay the bonus amounts after you Split a hand
 
Spanish 21 Blackjack table
 
Above is an example of the layout for a Spanish 21 table. This particular version sees the Dealer stand on all 17’s, other than this you will see it is very similar to a standard Blackjack table.
 

Atlantic City Blackjack Rules
RTP: Depends on specific rules, approx. 99.50%
Blackjack Pays: 3 to 2
Number of Decks: 6 or 8
Dealer Rule: Stand on all 17’s and above – can vary
Dealer Peek: No
Insurance: No
Surrender: Yes at any time
Split: Yes
Re-Split: Yes
Double: Yes
Double after Split: Yes
Hit Split Aces: Yes
Side Game: Yes
Multiple Hands: Yes

 

Spanish 21 Strategy

There are several variable rules for Spanish 21 which affect some of the decisions in the optimal strategy, below is based on casinos that use 6 decks and the Dealer stands on soft 17 which is the most common variation of the game.
 
Hard Hands – No Ace

Dealers Upturned Card
Your hand 2 3 4 5 6 7 8 9 10 A
4 to 8 H H H H H H H H H H
9 H H H H D4 H H H H H
10 D5 D5 D D D D4 D3 H H H
11 D4 D5 D5 D5 D5 D4 D4 D4 D3 D3
12 H H H H H H H H H H
13 H H H H H H H H H H
14 H H S4 S5 S4 H H H H H
15 S4 S5 S5 S6 S6 H H H H H
16 S5 S6 S6 S S H H H H H
17 S S S S S S S6 S6 S6 SR
18+ S S S S S S S S S S

H = Hit D = Double D2 = Double except Hit with x or more cards
SR = Surrender S = Stand S2 = Stand except Hit with x or more cards

 
Due to the bonus if you get 21 with 4 or more cards, in some instances it is best to Hit and go for these, in the above chart the number next to an action denotes the minimum number of cards you need in order to Hit as opposed to Stand or Double
 
Soft Hands – With an Ace

Dealers Upturned Card
Your hand 2 3 4 5 6 7 8 9 10 A
12-15 H H H H H H H H H H
16 H H H H D4 H H H H H
17 H H D3 D4 D5 H H H H H
18 S4 S4 D4 D5 D5 S6 S4 H H H
19-21 S S S S S S S S S S

H = Hit D = Double D2 = Double except Hit with x or more cards
S = Stand S2 = Stand except Hit with x or more cards

 
Due to the bonus if you get 21 with 4 or more cards, in some instances it is best to Hit and go for these, in the above chart the number next to an action denotes the minimum number of cards you need in order to Hit as opposed to Stand or Double.
 
Pairs

Dealers Upturned Card
Your hand 2 3 4 5 6 7 8 9 10 A
2,2 SP SP SP SP SP SP SP H H H
3,3 SP SP SP SP SP SP SP H H H
6,6 H H SP SP SP H H H H H
7,7 SP SP SP SP SP SP* H H H H
8,8 SP SP SP SP SP SP SP SP SP SP
9,9 S SP SP SP SP S SP SP S S
A,A SP SP SP SP SP SP SP SP SP SP

H = Hit D = Double
S = Stand SP = Split SP* = Split except for Suited 7’s in which case Hit

 
Double Down Surrender when you have 12-16 Vs 8-A, 17 Vs A

Never Split 4’s, 5’s or 10’s
 

Spanish 21 Tips

There are many extra things to remember in Spanish 21 compared to standard Blackjack, remember the extra bonus payouts for getting 21 with 4 or more cards and getting 7-7-7 or 7-8-9. These don’t count if you were to Double though, so in situations where you feel you have a chance to hit these, ensure you follow the table above for the optimal chance of winning.
 
Don’t be afraid to Surrender – It is better to admit defeat and get some of your bet back in certain circumstances than continuing and losing it all when the odds are against you. Spanish 21 gives you the chance to Surrender at any time, ensure you make the most of it to stay ahead of the game.
 
Play for fun first if you want to learn the game properly – This is especially important when playing Spanish 21 as there are different features and rules than in standard Blackjack. We, therefore, recommend you play with free chips until you get the hang of this version when you have a better chance of finishing up.
 
Always play only with money you can afford to lose – this is the same for all casino games which should be fun – if you don’t enjoy it or are gambling with money you cannot afford to lose your mindset will not help the situation giving you a bigger chance of losing.

Blackjack References:

Blackjack Odds
How To Count Cards
Blackjack Strategy Card
Blackjack Tips


Banque Baccarat

Banque is one of the many variations of Baccarat across casinos both online and offline. This version is favored by many high rollers as the player with the highest bet at the table gets to play as the banker and has the potential to win – and lose – more money than by being a player.

In this article, we will explain the following. You may click on any of the links below to bring you to that point in the article.

 

One of the main differences between Baccarat Banque and other variations is that it is played with just 3 shoes – decks of cards – as opposed to 6 or 8 used in many other forms.

Baccarat Banque is played on a table that can seat up to 14 players, 7 on either side of the banker position as shown below.

Baccarat Banque table

Banque Rules

Players place their bets at the start of a shoe, the player who bets the most becomes the banker and takes a seat opposite the dealer.

The banker gets to remain as the banker for the entire shoe or when they run out of funds, at which point it is opened up for auction again from the remaining players. The banker can be challenged by another player at any time, this player will have up to 3 chances to displace him or her in the banker position, more of that later.

The table is separated into very distinct sections and one hand is dealt for each side along with one hand for the banker. As in other forms of Baccarat, the player’s hand is competing directly against the bankers as opposed to the other players, so the banker can win against both players, one player can beat the banker whilst the banker beats the other players, or both players can bet the banker.

The banker needs to put up enough money to cover all player bets for the hand. When bets are placed, from the right of the dealer all the way around the table, bets continue to be placed by players until the amount guaranteed by the banker has been reached. If these bets exceed the bankers total, the banker can either raise the amount they are willing to risk or the bets finish and the cards are dealt.

At any time at the betting stage, a player can challenge the banker by placing a bet or bets equal to that of the banker. This can be in one bet or across both player hands.

If they do this, they need to be successful on at least 1 hand, they can then assume the role of the banker for the remaining cards that are left in the shoe. If the banker wins then he or she continues as the banker. A player can challenge up to 3 hands in a row, each time matching the bet of the banker, if they are unsuccessful all 3 times they can no longer challenge the banker for the remainder of the shoe.

All cards are dealt face down and the player on each side of the table that placed the highest bet is in control of the hand for that side of the table. Players are betting on the hand on a particular side of the table beating the banker’s hand, they can bet on both player hands if they want but not on the banker’s hand, this is just for the banker to bet on themselves.

Once cards are dealt face down, the player in charge and banker all check their hands. If any of them have a total of 8 or 9 – or 18 or 19 as only the last digit counts when checking scores in Baccarat = they must immediately show their hand and their final score is confirmed.

If it is a player hand that has this score, they will beat the banker as long as the banker doesn’t have an 8 or 9 themselves – and the banker will continue to play against the other player. If the banker has an 8 or 9 and no players do, the hand finishes then and the banker wins both.

If no player or the banker has an 8 or 9, it is up to the player in charge whether to take the 3rd card or not. This is similar to Chemin de Fer in that the player has the choice, we would recommend playing by the same rules as Chemin de Fer though when it comes to drawing a 3rd card which can be found below.

Player Total Player action
0 to 4 Draw a card
5 Draw or stand
6 or 7 Stand
8 or 9 Hand over before 3rd card taken

As you can see, it is normally only when the player has a 5 that they have a decision to make, the player can deviate from this though if they wish. Any 3rd card is dealt face up so the banker can see what has been dealt to them.

Once the players have finished their actions, the banker can decide whether or not they take a 3rd card. Again, there are rules that are normally followed as shown below:

Banker total Banker should Draw Banker should Stand Banker Choice
0 to 2 Always Draws Never  
3 Player 3rd card is 1 to 7 or 10 Player 3rd card is 8 Player 3rd card is 9
4 Player 3rd card is 2 to 7 Player 3rd card is 0,1,8 or 9  
5 Player 3rd card is 5 to 7 Player 3rd card is 0,1,2,3,8 or 9 Player 3rd card is 4
6 Player 3rd card is 6 or 7 Player 3rd card is 0 to 5 or 8 or 9  
7 Never Always  
8 or 9 No 3rd card drawn No 3rd card drawn  
If the Player stands, the Banker should draw a 3rd card with a total of 0 to 5 and stand on 6 or 7

However, it is worth noting that as there are 2 player hands, there could be 2 totally different card dealt to each of the players. The banker can only have 1 hand to play against both players and may, therefore, decide to play according to the rules for the player hand with the highest stake or differ to the rules above, this is down to the banker and they have the right to do what they see fit with regards to drawing a 3rd card.

Once all hands have been completed, cards are turned over. The highest hand wins even money if the player wins and even money for the banker if their hand wins less 5% commission for the casino. If either hand is a tie, the funds stay on the table and are paid out the next hand depending on which hand wins – there is no tie to bet on in Baccarat Banque.

The banker will remain in position if they wish for the duration of the shoe or until they are successfully challenged, they can give up this position after any hand though and the player with the highest bet next hand takes that position for the remainder of the shoe.

Strategy

Baccarat Banque strategy follows the same as most forms of the game. The player should hit on a total of 0 to 4 and stand on 6 or 7. As they are forced to stand on 8 and 9 anyway, it is really only a total of 5 that gives them a choice.

If the player stands, the banker should hit on a total of 0 to 5 and stand on 7. If the player hit, the banker should look at the table below when determining whether to take a 3rd card:

Player

Banker 0 1 2 3 4 5 6 7 8 9
7 S S S S S S S S S S
6 S S S S S S H H S S
5 S S S S ? H H H S S
4 S S H H H H H H S S
3 H H H H H H H H S ?
2 H H H H H H H H H H
1 H H H H H H H H H H
0 H H H H H H H H H H

The only situations that depend on what the layer did are:

• Player has a total of 5

• Banker has 6 and player stood

• Banker has 5 and player hit and got 4

• Bank has 3 and player hit and got 9

In these situations, the banker should generally mimic the player and stand when they stand, hit when they hit. From a player perspective, they should mix up when they stand or hit on a 5 to confuse the banker and give them the best possible chance of winning the hand.

Banque Baccarat Tips

• Ensure you check the odds of each version you play, some casinos will offer different odds so choose the type of bet you want and look for the casino that offers the best odds on this bet

• Quit when you are ahead – With any casino game it is good when you go on a winning streak, however, this can easily change in the blink of an eye so have a target before you start playing and ensure you walk away if you reach it

• Play short sessions – The casino has the edge over the player on all games therefore by the law of averages, the longer you play for, the more likely it is that the casino will win Instead of playing for hours, try shorter sessions where you stand a better chance of finishing ahead

• Manage your bankroll – Decide before you sit down how much you wish to play with and break this down into 40/50 bets This ensures you will have a fair amount of time to play and that you won’t lose more than you can afford

• Don’t chase losses – If you are unfortunate enough to lose the bankroll that you took to the table, walk away and accept those losses, don’t be tempted to deposit further funds that you can’t afford in order to try and win back some of the losses, it is unlikely to end well

Related Articles :

Baccarat Rules
3 Card Baccarat Strategy
Play Free Baccarat
EZ Baccarat
Punto Banco


Online Poker Promotions

There are many different types of online poker promotions available these days and we give you the most accurate information to make the most informed choices. below we take a look at the following:

  • Safest and most secure online poker sites
  • How easy it is to boost your bankroll and the different types of bonuses
  • The best bonuses from accredited poker rooms

 

Freerolls

Tournaments which are free to enter – some may have requirements such as x poker points earned in the last 7 days – but which have a real money prize pool.

Match Bonus

Bonus funds which are given to a player depending on the amount of their 1st deposit and how many poker points they earn – and therefore how much rake and fees they pay – in a period immediately after their 1st deposit.

Added Value

Tournaments that cost money to enter where money is added to the prize pool on top of the money paid as entrance fees by players.

Qualification to Land Based Event

  • Tournaments where players win entry to a real poker tournament in a casino/poker club/cruise ship as opposed to cash
  • Play with a celebrity
  • Playing against a well-known personality on the tables gives you a chance to speak to them and ask them questions as well as playing poker against them
  • Points to spend in shop
  • A loyalty scheme whereby players earn points for playing poker depending on rake/fees paid, they can then exchange those points for physical items often related to poker or the brand, you can normally use them for entry to some tournaments too

Rake Race

A race over a set period of time – often 1 week or 1 month – whereby players who earn the most poker points get a share of a prize pool paid for by the brand.

Rake Back

Players who play real money poker get a % of the rake and fees they pay back in cash.

Guaranteed Tournaments

Tournaments with a prize pool of a guaranteed amount, even if there aren’t that many entries, this amount will be paid out to the winners.

VIP Club

Players who earn a set number of points during a month get promoted to VIP level and get extra benefits such as higher rake back, more match bonus offers and more poker points for every €1 in rake/fees paid.

Refer a Friend

If an existing player recommends the site, they get a cash bonus if their friend signs up, deposits and earns x poker points.

Bad Beat Jackpot

When a player on a cash table uses both hole cards but loses with a very good hand – often 4 of a kind 8’s or better – they win % of a jackpot and the rest is split between the winner of hand and those at the table at the time.

Challenges

Players are given bonuses for achieving a challenge at cash tables such as being dealt each pocket pair, winning with 72o – the worst starting hand etc.

Royal Flush Bonus

If a player gets a Royal Flush using both hole cards, they can claim for a bonus.

As you can see, there are many varieties of bonus when it comes to playing poker, many more than are available for casino and sports betting, so have a think about the one/s you would like the most and choose your site accordingly.

Here we list the top 6 poker rooms. You can read the review to get the latest bonuses and promotions for each:

 
Related Articles:

Top 10 poker rooms


Punto Banco Baccarat

There are 2 versions of Punto Banco Baccarat, one with a large table that can seat up to 14 players all playing against the banker, and a small version where there is just 1 player at a time.

 
In our Punto Banco how to play article, we will explain the following. You may click on any of the links below to bring you to that point within the article.
 

 

The majority of online sites have the smaller version, in both cases, it is 1 player against the banker and even if there are other players at the table you don’t need to worry about what they get.

Punto Banco Baccarat table

An example of a table layout for Punto Banco Baccarat is shown above.

Punto Banco Rules

As in all versions of Baccarat, Aces are worth 1 point, a 10 and all face cards 0 points and all numerical cards equal their face value. The aim of the game is to score as high as possible up to a maximum of nine. It is worth remembering that in Baccarat, only the last digit of the total counts, therefore if your cards add up to 17, the value of the hand is 7.

The game is played with either 6 or 8 decks of cards depending on the casino where you are playing, and the suits don’t make a difference to the outcome.

Your main decisions are how much to bet and whether to bet on who will get the highest total – the player, banker or whether their scores will be tied.

Once bets have been placed, 2 cards are dealt face up to the player and to the banker. If either has a score of 8 or 9 – or 18 or 19 s only the last digit counts – then the game ends here and winnings paid.

If neither the player or banker has an 8 or a 9, a 3rd card can be dealt depending on what each has.
 
As a general rule:
 

  • If the player has a 6 or a 7, the banker will draw a 3rd card if they have a total of between 0 and 5.
  •  

  • If the player has a total of between 0 and 5, they will draw a 3rd card.

 
If the player draws a 3rd card, the banker may also draw a 3rd card according to the rules below:
 

  • If the banker has a total of 0, 1 or 2 they will always draw a 3rd card.
  •  

  • If the banker has a total of 3, they will draw a 3rd card unless the player’s 3rd card was an 8.
  •  

  • If the banker has a total of 4, they will draw a 3rd card unless the player’s 3rd card was either a 0, 1, 8 or 9.
  •  

  • If the banker has a total of 5, they will draw a 3rd card unless the player’s 3rd card was either a 4, 5, 6 or 7.
  •  

  • If the banker has a total of 6, they will draw a 3rd card unless the player’s 3rd card was either a 6 or 7.
  •  

  • If the banker has a total of 7, the banker will always stand and no 3rd card is drawn.

 
Once the above has been completed, the winner of the hand is announced, whoever has the highest total is the winner and bets paid out on anyone who bet on them. If the scores are level, bets are paid on the tie.

Strategy Punto Banco

It isn’t necessary to remember all the above requirements as the casino will automatically deal hands, it is useful however to remember it and a handy little table is shown below with details on when the banker needs the 3rd card:
 

3rd Player card
Bankers Total 0 1 2 3 4 5 6 7 8 9
7 S S S S S S S S S S
6 S S S S S S H H S S
5 S S S S H H H H S S
4 S S H H H H H H S S
3 H H H H H H H H S H
2 H H H H H H H H H H
1 H H H H H H H H H H
0 H H H H H H H H H H

S = Banker Stands H = Banker Hits
 

In terms of payouts, if you bet on the player and they have the highest score, you win your bet at odds of 1 to 1. So a £10 bet sees you return £20.
 
If you bet on the banker and they have the highest score, you win your bet at odds of 1 to 1 but pay a 5% commission to the house. Therefore, a £10 bet sees you return £19.50.
 
If you bet on the tie and the scores are level, you win the bet at odds of either 8 to 1 or 9 to 1 depending on the casino. Therefore, your return from a £10 bet will be either £90 or £100.
 
Despite the higher odds for a tie, the likelihood is less than 1 in 10 and therefore represents the worst bet of the 3.
 
The chances of each bet coming in on Punto Banco Baccarat are shown in the table below:
 

Result No. of Combinations Probability
Banker Win 2,292,252,566,437,888 45.8597 %
Player Win 2,230,518,282,592,256 44.6247 %
Tie 475,627,426,473,216 9.5156 %
Total 4,998,398,275,503,360 100 %

 
As you can see from the above table, the most likely outcome is the banker to win, however with the 5% charged by the casino on this bet, in the long term the best option will be to bet on the player.
 
As Punto Banco Baccarat is a pure game of chance and no skill is involved and each bet is favored towards the casino, we recommend playing it just as a bit of fun as opposed to trying to win money.

Tips

Bet the Banker – As with most other types of Baccarat, the Banker bet in Punto Banco Baccarat is the best one in terms of house edge, even with the commission factored in. Therefore, the majority of your bets should be on this, some players always bet the Banker until it loses, wait for 1 round and then start again hoping for a winning streak.
 
Avoid the Tie – Although the Tie offers the best odds by far, this bet also has the highest house edge and should be avoided at all costs – in the long run, you will lose more than if you bet on the Banker and/or Player.
 
Control you bankroll – As in any game at a casino, when you start a session of Punto Banco Baccarat, ensure you have a bankroll that will last at least 40 or so hands to ensure you maximize your chances of winning the session and enjoying it at the same time.

Related Articles :

Baccarat Rules
3 Card Baccarat Strategy
Play Free Baccarat
EZ Baccarat
Chemin De Fer


Chemin De Fer Baccarat

Chemin De Fer – otherwise known as French Baccarat – is a form of Baccarat where players bet against another player.
 
In our Chemin De Fer Baccarat article, we will explain the following. You may click on any of the links below to bring you to that point within the article.
 

 
Instead of player versus banker as in other forms of the game, in Chemin De Fer or French Baccarat, one player takes on the role of the banker each hand and risks their own money against other players at the table. The casino takes a percentage of winning bets as their ‘fee’ to ensure they make money as well.

The remaining rules of the game are like other Baccarat variants.

Chemin De Fer Baccarat game

A typical screenshot of a game of Chemin De Fer/French Baccarat is shown above, note the number of players with a bet at the table, the banker needs to match all these bets in order for them all to count.

Chemin De Fer Rules

A standard game is played with 6 decks of cards and can feature anywhere between 8 and 12 players.
 
At the start of the game, the player to the right of the croupier has the choice to become the banker. All others at the table are deemed as players and can only bet on the player to win.
 
If the player to the right of the croupier agrees to be the banker for that hand, they decide how much of their own money they are prepared to risk. They are able to pass on being the banker if they wish, in which case the next player to the right of the croupier is offered the choice.
 
Once the banker has decided how much they are willing to risk, play continues to all other players who make their bet.
 
Once all players have made a bet, if the amount exceeds the amount the banker is prepared to risk, they can either increase the amount to match the other players or stick with what they agreed. In case of the latter, the last bets to be placed are removed from the table until the 2 amounts are equal – the earlier you place your bet as a player, the more chance you have of it being covered.
 
If the banker is prepared to risk more than the players at the table bet, in a land-based casino any spectators have the chance to place a bet as well.
 
Once bets have been placed, the player with the highest bet gets to act as the player against the banker. In the event of 2 or more players having an equal highest bet, the player who placed their bet first gets to decide what happens during the hand.
 
2 cards are now dealt – face down – to the player and to the banker.
 
They both now look at their cards in secret, not allowing the other to view the hand. The player can show the other players if they wish.
 
It is worth reminding you at this point that the scoring is the same as all other forms of Baccarat. Aces are worth 1 point, 10 and picture cards 0 points and all numbers are of equal value to their pips. If the total is 10 or more, only the last digit counts, the aim is to get as high total as you can with 9 – or 19 as this counts as 9 as well – the best hand possible.
 
If either has a hand worth 8 or 9 points, they turn the cards over and the hand ends. The highest total wins.
 
If neither the banker or the player has an 8 or 9, the player now has a choice to make. Unlike in other versions of Baccarat, the player can choose whether or not to take the 3rd card.
 
However, there are rules which should be adhered to in the game as you act for a number of other players as well and detouring from it can be frowned upon if you lose.

The Players Rule:

Total Player action
0 to 4 Draw a card
5 Draw or stand
6 or 7 Stand
8 or 9 Hand over before 3rd card taken

 
Only really when a player has a total of 5 do they get to choose whether or not to draw a 3rd card, it is down to the player in charge of the hand to make this decision.
 
If the player draws a 3rd card, it is dealt face up so that banker can also see the extra card.
Although the banker has the decision as to whether to take a 3rd themselves, there is also a general consensus as to what they should do with only 2 cases of the banker deciding what to do. The table below gives further information on this:
 

Banker total Banker Draws Banker Stands Up to Banker
0 to 2 Always Draws Never  
3 If player 3rd card is 1 to 7 or 10 If player 3rd card is 8 If player 3rd card is 9
4 If player 3rd card is 2 to 7 If player 3rd card is 0,1,8 or 9  
5 If player 3rd card is 5 to 7 If player 3rd card is 0,1,2,3,8 or 9 If player 3rd card is 4
6 If player 3rd card is 6 or 7 If player 3rd card is 0 to 5 or 8 or 9  
7 Never Always Stands  
8 or 9 No 3rd card drawn No 3rd card drawn  
If the Player stands, the Banker should draw a 3rd card with a total of 0 to 5 and stand on 6 or 7

 
Once all cards have been dealt, both hands are turned over and winnings paid. If the player has a higher total, all players whose bets were accepted are paid out at 1 to 1 from the funds set aside by the banker.
 
If the banker has the higher hand, the banker wins all the player bets less 5% which is paid to the casino.
 
In the event of a tie, the bets are left on the table and paid out the following hand when either the player or banker wins.
 
As you can see, being the banker means you can potentially win a higher amount that when you are a player, however, you do risk more in this position too as you are potentially betting against several players at any one time.
 
Once a hand has finished, the banker has the chance to remain as the banker for the next hand – they will need to risk more funds in order to do this – or pass it on to the next player. It is considered bad practice in Chemin De Fer and French Baccarat to give up the banker position if you win after the 1st hand, players should have at least one opportunity to win their money back. If the banker wins 3 or 4 times in a row, it is acceptable for them to allow the next player to replace them as the banker.

Strategy Chemin De Fer Baccarat

Chemin De Fer/ French Baccarat strategy is the same as for the majority of versions of baccarat.
The player should take a further card when they have a total of 0 to 4 and stand if they have a 6 or 7. They have to stand on a total of 8 and 9 anyway so it is really just a total of 5 where they have a choice.
 
If the player stands, the banker should take a card with a total of 0 to 5 and stand on 7.
If the player takes a card, the banker should do the following when determining if they should take the 3rd card:
 
Player

Banker 0 1 2 3 4 5 6 7 8 9
7 S S S S S S S S S S
6 S S S S S S H H S S
5 S S S S ? H H H S S
4 S S H H H H H H S S
3 H H H H H H H H S ?
2 H H H H H H H H H H
1 H H H H H H H H H H
0 H H H H H H H H H H

 
The only situations dependent on what the player did are:

  1. • If the player has a 5
  2.  

  3. • If the banker has a 6 and the player stood
  4.  

  5. • If the banker has a 5 and player hit and got a 4
  6.  

  7. • If the banker has a 3 and player hit and got a 9
  8.  

  9. • In the above cases, the banker should copy the player actions and stand when they stand and hit when they hit. From the player point of view, they should mix it up whether they stand or hit on a 5 to confuse the banker, this gives them the best chance of winning the hand.

 

Chemin De Fer Tips

• Always check the odds at the tables, some casino offer better odds than others so check out our recommended casinos for where to play

• Quit when you are ahead – it is very easy to get caught up in the game and think you are unbeatable only to go on a losing streak and lose the money you won, have a target before you start to play and stick to it

• Play short sessions – the casino will always win in the long run, in theory, the longer you play for the more chance you have of finishing down

• Manage your bankroll – To ensure the best possible amount of fun from a session, break your bankroll down into a good number of bets and stick to this amount

• Don’t chase losses – if you do have a losing session, it is tempting to deposit more to try and win back some of what you lost, this is a very bad idea in any casino game and should be avoided at all costs

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3 Card Baccarat

In this 3 Card Baccarat article, we will explain the following. You may click on any of the links below to bring you to that point in the article.

 

3 Card Baccarat is a fairly new variation on the popular casino game Baccarat and isn’t widely available in online casinos yet.

There are some sites that offer it though and the rules are very simple to learn making it an easy game to have a go on if you fancy something different.

Firstly, the scoring is the same as in the standard version of Baccarat.

All face cards count as ten, an Ace a 1 and all other cards equal the value of their pips – so 3 counts as 3 points, 6 as 6 points etc.

The aim of the game, as in standard Baccarat, is to guess who will have the highest value hand, the Dealer or the Player. There is also the option of a Tie but this is less likely in 3 Card Baccarat than in the standard version as the number of face cards in the hand need to be equal for a Tie as well as the value of the hand.

3 Card Baccarat Rules

Once you have placed your bet in 3 Card Baccarat, 3 cards are dealt for the Player hand and then 3 for the Dealer’s hand. No further cards are dealt which is another difference to the standard version.

Points are then added up for each hand depending on the value of each card and the winning hand is then decided. Payouts are then made.

Some websites differ at this point as to the hand total.

Whilst some add the points up and allow the 2 digit total of up to 30 to count, other follow the route of standard Baccarat and only take the last digit. Therefore a hand of 7, 8, 9 would count as 4 as opposed to 24 which would be the normal total. It is worth checking with the casino you wish to play at which version they have before you play.

3 Card Baccarat table

Above is the layout for a standard version of 3 Card Baccarat.

Payouts

Once the hand is finished, payouts are made. This is normally even money minus 3% to 5% commission for bets on the Player and the Dealer, and 20 to 1 for the Tie. Again, due to the low number of sites that offer this variation of Baccarat, the payouts can be slightly different depending on the site so it is worth shopping around.

3 Card Baccarat Strategy

One of the worst casino bets we have come across is within 3 Card Baccarat.

Many casinos offer a side game ‘Three Faces’, which pays out if the Dealer has 3 face cards.

The table below gives an overview of how this works:

Points Pays Combinations Probability Return
3 Faces 16 220 0.009955 0.159276
2 or Less Faces -1 21880 0.990045 -0.990045
Total 22100 1 -0.830769

 
As the game is played with a single deck of 52 cards, the odds of this coming in are 0.83%, so less than 1% of the time. The house edge for 3 Card Baccarat is 83% so leave this well alone whatever you do!

The Tie is a tempting bet for many with payouts of between 20% and 25%, and those that play standard Baccarat will surely be tempted.

However, as mentioned above, in order for a Tie to come in, not just the value of the hand but also the number of face cards need to be equal.

Therefore, the probability in 3 Card Baccarat is around 3.7% giving the house edge as 20.8%. This is, therefore, another one to avoid unless you are feeling particularly lucky and fancy a big payout before walking away.

3 Card Baccarat Tips

Steer clear of the Tie – like other forms of Baccarat, the Tie in 3 Card Baccarat should be avoided, not only does it have a poor house edge, the number of cards in each hand also needs to be equal for the Tie to count.

Play for fun first – Most online sites offer you the chance to play casino games for fun chips as well as real money, as 3 card Baccarat is considerably different from the standard game, even if you consider yourself something of a Baccarat expert, we still recommend playing for fun first to get used to the differences between versions.

Manage your bankroll – Like all casino games, it is important to ensure you have enough funds for a good session to maximize enjoyment levels and your chance of winning, therefore start the session with around 40 hands and stick to your bet amount.

Baccarat References:

Free Baccarat For Practice
Baccarat Strategies
Baccarat Rules


EZ Baccarat

EZ Baccarat is a variation of the popular casino game Baccarat. It follows exactly the same format in terms of gameplay and features just 2 small differences.

 

EZ Baccarat Rules

In both forms of Baccarat, all Aces count as 1 point, picture cards, and 10’s count as 0 points and all numerical cards count as their face value.

The aim of the game is to guess who will have a higher hand, the Banker, Player or whether both scores will be the same.

Once you have placed your bet, 2 cards are dealt face up for each Player at the table and for the Banker. As in Blackjack, you are playing directly against the Dealer, known in Baccarat as the Banker, and therefore don’t need to worry about other Players hands.

EZ Baccarat table

An example of the layout of an EZ Baccarat game can be seen above.

There are no further decisions to be made in a game of WZ Baccarat as what happens next depends on the total of the cards for the Player and Banker.

When looking at your total, only the last digit counts so the total for both the Player and Banker is always between 0 and 9.

For example, if you have a 9 and 5, the total is 14 but only the last digit – so in this case 4 – is used. Therefore it is not possible to go bust and lose the hand as you can in other games such as Blackjack.

Once all players and the Banker have 2 cards, the totals are worked out and the hand continues as follows:

• If wither Player or Banker has a total of 8 or 9, they both stand
• If the Player’s total is 5 or less, they hit and receive 1 more card, otherwise, they stand
• If the Player stands, the Banker hits on a total of 5 or less
• If the Player does hit, use the following table to determine the action of the Banker

Players 3rd card
Bankers Score 0 1 2 3 4 5 6 7 8 9
7 S S S S S S S S S S
6 S S S S S S H H S S
5 S S S S H H H H S S
4 S S H H H H H H S S
3 H H H H H H H H S H
2 H H H H H H H H H H
1 H H H H H H H H H H
0 H H H H H H H H H H

S = Banker Stands
H = Banker Hits

Once the above actions have taken place, winning hands are paid out.

If the Player wins, any bets on the Player are paid out at even money.

One of the 2 differences between EZ Baccarat and standard Baccarat is that bets on the Banker are also paid out at even money in EZ Baccarat as opposed to standard Baccarat where a 5% fee is taken.

If both the Player and the Banker have the same total, bets on the Tie are paid out at odds of between 8 to 1 and 10 to 1 depending on the casino.

The other difference between the versions come if the Banker wins a hand with a 3 card total of 7. In this case, bets on the Banker will only Push and any bets will be returned. Bets on the Tie and Player will still be settled as a loss.

Strategy EZ Baccarat

One of the 2 differences between EZ Baccarat and standard Baccarat is that bets on the Banker are also paid out at even money in EZ Baccarat as opposed to standard Baccarat where a 5% fee is taken.

If both the Player and the Banker have the same total, bets on the Tie are paid out at odds of between 8 to 1 and 10 to 1 depending on the casino.

The other difference between the versions come if the Banker wins a hand with a 3 card total of 7. In this case, bets on the Banker will only Push and any bets will be returned. Bets on the Tie and Player will still be settled as a loss.

EZ Baccarat Tips

The EZ version of Baccarat is very similar to the main version. The main advantage is that there is no commission payable on Banker bets, therefore, this bet has a lower house edge. It is worth bearing in mind though that if the Banker wins after a 3 card total of 7, the bet isn’t paid as a win but instead pushed which is one way the house gets some of their edges back.

As with all casino games, ensure you play within your means and don’t overstretch your bankroll. Play bets which allow you to enjoy the game for some time as opposed to betting all or nothing.

More in-depth tips and strategy can be found on our Baccarat Strategy page.

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