Baccarat Betting Rules
LIVE DEALER BACCARAT / NON-COMMISSION BACCARAT
Introduction to Live Dealer Baccarat
The objective of the game is to bet on whichever of two hands, the player's hand or the banker's hand, that the Player thinks will have a point value closest to 9. The Player can also bet on a tie.
The game is presented to the Player with a live person dealing the cards on screen to provide the Player with a realistic gaming environment in real time.
The theoretical return to player of this game is 98.41%.
Over a long period of time, the game is likely to average a return to the Player of 98.48% of the total bets made.
Participation Instructions and Bet Options
To place a bet, the Player moves the cursor to the pictures of the chips in the lower-right corner of the game window and left-click the chip value that they want to use. The Player then moves the cursor to the Betting Area on the table layout marked as players or bankers, tie or pair, then left-clicks to place their bets. The chip will automatically appear in the betting box, with the total value of the bet written alongside. The bet amount will also appear at the bottom of the window.
Each left-click will increase the bet value by one chip of the same value, up to the maximum bet for that table. If the Player wants to use a different chip value of this bet, they must move the cursor back to the pictures of the chips at the lower-right corner of the game window on the screen and left-click on the new chip value that they want to use. Then the Player must move the cursor back to the Betting Area on the table layout, and left-click again to increase the bet.
Players must place their bets before the Betting Timer at the centre of the game window expires. Betting is not allowed once the Betting Timer has expired.
DOUBLE bet button will enable player to double up all the unconfirmed bets which have been placed on the table. Any bet which has been placed and confirmed will not be doubled.
All bets are confirmed and taken into the Player's account once the CONFIRM BET button is left-clicked. Any bets placed after the CONFIRM BET button has been left-clicked but before the Betting Timer has expired must be followed by the CONFIRM BET button being left-clicked. If this is not done, then these additional bets will NOT be confirmed and NOT taken into the Player's account.
To remove all bets from the table layout, left-click the CLEAR BETS button. To remove the last bet from the table layout, left click the UNDO button. Note both CLEAR BETS and UNDO can only be done before the CONFIRM BET button has been left-clicked. If the CLEAR BETS is left-clicked, then these bets will NOT be confirmed and NOT taken into the Player's account.
As soon as the Betting Timer has expired, the dealer will deal two hands of cards, which are called the player's hand and the banker's hand. All cards are dealt face up. The cards will be drawn in the following order:
- The first card for the player's hand.
- The first card for the banker's hand.
- The second card for the player's hand.
- The second card for the banker's hand.
- If dictated by the drawing rules, the third card for the player's hand.
- If dictated by the drawing rules, the third card for the banker's hand.
More than three cards can never be drawn for either hand.
There are no values greater than nine in the game of baccarat. All card values are recalculated when the combined value of two or more cards is greater than nine. This new card value is determined by subtracting ten from the combined card value every time it reaches a number greater than nine. Below are a few examples of this equation.
4 + 2 + 6 = 2
5 + 6 + 8 = 9
7 + 3 = 0
10 + 10 + 10 = 0
The hand with the highest point value wins. All losing bets will be collected and all winning bets paid. If a bet is a winner, the winnings will be posted to the credit balance and updated in the credits display upon selecting the next game or upon returning to the Lobby.
If both hands have the same point value, that game is a tie and neither side wins or loses. In this case, tie bets win, but players and bankers bets do not win or lose so the bet is refunded back to the Player.
Some common Baccarat terms are provided below, complete with explanations.
Dragon Bonus
Dragon bonus is one of the side bet in Live Baccarat game that pays when the chosen hand has a natural win or when the chosen hand wins by at least 4 points difference (non-natural).
The highest payout is 30 to 1 which is for non-natural that wins by 9 points difference.
Any bets on Player or Banker Dragon Bonus will pay differently according to the pay table.
| Natural Win | |
|---|---|
| Natural Win | 1:1 |
| Natural Tie | Push |
| Non-natural Win | |
| 9 points difference | 30:1 |
| 8 points difference | 10:1 |
| 7 points difference | 6:1 |
| 6 points difference | 4:1 |
| 5 points difference | 2:1 |
| 4 points difference | 1:1 |
| All other result | Lose |
For any specific game rules please refer to in game help page.
Fortune Six
Fortune Six is one of the side bet in Live Baccarat. The bet will be paid if the Banker hand wins with a total of six. It pays 20 to 1 if the Banker hand wins with a total of six and it composed of three cards, and 12 to 1 if composed of two cards.
| Result | Payout |
|---|---|
| Banker wins with 3 cards totaling 6 | 20:1 |
| Banker wins with 2 cards totaling 6 | 12:1 |
| All other result | Lose |
Payout Odds
Payouts are determined at standard odds that you will find to be identical to those used in all of the major Casinos of America, Europe and Asia.
Baccarat
Winning players bets receive payout odds of 1 to 1 (even money).
Winning bankers bets receive payout odds of 1 to 1 (even money). However, a commission equal to 5% of the win amount is deducted automatically.
Winning tie bets receive payout odds of 8 for 1. If there is a tie, bets on the bankers or players are returned to the Player.
Winning player pair / banker pair bets receive payout odds of 11 to 1. Player / banker first and second hand have to make a pair in order to win.
Non-Commission Baccarat
Winning Player bets receive payout odds of 1 to 1 (even money).
Winning Banker bets receive payout odds of 1 to 1 (even money) except in the event when the Banker wins on Six Points.
Winning Banker bets with the Banker wins on Six Points receive payout odds of 1 to 2 (in such an event, only 50% of the amount placed on the Banker will be paid).
Winning Tie bets receive payout odds of 8 for 1. If there is a tie, bets on the bankers or players are returned to the Player.
Winning Player Pair / Banker Pair bets receive payout odds of 11 to 1. The Player / Banker first and second hand has to make a pair in order to win.
Maximum and Minimum bets
The maximum and minimum bet limits will only be displayed within the Bet Limits menu in the gaming table after the Player has sit on the table.
Live Baccarat Terms
- Players/Bankers : The terms players and bankers are the names given to two hands of cards that are dealt from the shoe during each round of play. The Player may bet on either the player's hand or the banker's hand. The Player may also bet on a tie.
- Natural : A natural hand is a two-card hand totalling eight or nine. The highest possible hand is a natural nine, which occurs when the first two cards drawn for either the bankers hand or the players hand total nine. The second highest hand is a natural eight. If a natural is drawn, this is an automatic winning hand and is called a natural winner. Neither of the hands will receive a third card when a natural is drawn.
- Tie : If both hands have the same value, a tie hand is the result.
- Player Pair or Banker Pair : The first two cards of either the Player or the Banker hand form a pair (for example 8, 8 or K, K).
- Non-Commission Baccarat : A version of Baccarat where bets placed on the Banker shall receive payout odds of 1 to 1 except in the event when the Banker wins on Six Points (in such an event, only 50% of the amount bet on the Banker will be paid).
For any specific game rules please refer to in game help page.
Card Values
All cards except for Tens, Picture Cards, (Jacks, Queens and Kings) and Aces, are worth their face value.
All Tens and “Picture Cards” are counted as zero.
Aces are counted as one.
Drawing Rules
There are no optional drawing rules in this game. Whether cards are drawn or not is determined according to the rules provided below. These rules are called the "Drawing Rules" or "Tableau", and are identical to those used in all of the major casinos of America, Europe and Asia.
The decision to draw a third card for the players hand is made automatically according to standard casino rules as below.
Drawing Rules
| Total of First Two Cards | Draw or Stand |
|---|---|
| 0, 1, 2, 3, 4, 5 | DRAW a third card unless BANKER has a NATURAL |
| 6, 7 | Stand |
| 8, 9 | Stand (Natural) |
If the player's hand totals 0, 1, 2, 3, 4 or 5 a third card is automatically drawn for the players hand unless the banker's hand consists of a natural 8 or natural 9.
If the player's hand totals 6 or 7 the decision is to stand. A card will then be drawn automatically for a banker's hand that totals 0, 1, 2, 3, 4 or 5.
If a third card is drawn for the players hand, the decision to draw a third card for the bankers hand is made automatically according to standard casino rules as below.
| Total of First Two Cards | Draw when the players third card is | Stand when the players third card is |
|---|---|---|
| 0, 1, 2 | 0, 1, 2, 3, 4, 5, 6, 7, 8, 9 | |
| 3 | 0, 1, 2, 3, 4, 5, 6, 7, 9 | 8 |
| 4 | 2, 3, 4, 5, 6, 7 | 0, 1, 8, 9 |
| 5 | 4, 5, 6, 7 | 0, 1, 2, 3, 8, 9 |
| 6 | 6, 7 | 0, 1, 2, 3, 4, 5, 8, 9 |
| 7 | Stand | |
| 8, 9 | Stand (Natural) |
No Burn Card
The dealer does not perform burn card between the games.
Reshuffles
The Operator reserves the rights to reshuffle the particular decks of cards if any human or non-human errors occur during cards shuffling.
Pair Bets
All bets are confirmed and taken into Players' account once the CONFIRM button is clicked.
Live Baccarat pair bet game rules are almost the same as traditional baccarat, the difference is you can also bet on player pair / banker pair as well as player / banker wins. Player / banker first and second hand have to make a pair in order to win.
Payout is 11 to 1.
Electronic Malfunctions
The card is scanned by the dealer and the result will be displayed on the Players' computer screen. If any card fails to scan, the dealer will re-scan the card in order to display the result to the Players.
Any failure of the Players' equipment including but not limited to network connection or computer problems, will not void the game result. Players can check their own bet history on the Report section.
Any Operator system malfunction and / or hardware failure during Live Baccarat will void the play and the particular table will be closed.
Physical Malfunctions
In the event of two or more cards are dealt simultaneously by accident, the current round will be aborted, all bets will be returned and the particular shoe will be replaced with a new shoe.
In the event of any cards being revealed during shuffling, the particular shoe will be replaced and dealer will shuffle new set of cards.
In the event of any cards falling off the table, the current round will be aborted and the particular shoe will be replaced with a new shoe.
If the dealer deals an extra card after the current game is finished, the current game result will be considered valid and the particular shoe will be replaced with a new shoe.
In the event of a card being placed in the wrong position, the supervisor will correct the card position according to the computer screen (correct position).
Complaints
If a Player wishes to make a complaint or dispute a game result, they must provide SBOTOP Casino, the date and time of playing, Table ID, dealer's name and Round number at the time of contacting SBOTOP Casino. Failure to do so will result in the complaint being rejected by SBOTOP Casino. Video image of card dealing is kept for 24 hours. Players must address their complaint regarding the dispute within 24 hour of the dispute occurring. Any complaints submitted after 24 hours will be rejected by SBOTOP Casino without further explanation.