Virtual Baccarat Betting Rules

The objective of Baccarat is to bet on whichever of two hands, the Player’s hand or the Banker’s hand, that you think will have a point value closest to 9.

Or you can bet that both hands will have the same point value—a Tie game. In this case, only Tie bet wins. Your bets on Player’s and Banker’s hand do not win or lose, and the stake will be refunded.

Over a long period of time, the game is likely to average a return to the player (RTP) of 98.41% of the total bets made.

The game is played with 8 decks of cards.

Card Values

  • Ace = 1 point
  • 10, J, Q, K = 0 point
  • Any other cards = face value

There are no values greater than 9 in Baccarat. If the total value of the hand is over 10 points, the second digit is the value of the hand.


3+4=7        9+5=4       Q+K+2=2

Drawing Rules

In Baccarat, the following standard casino rules determine how the cards are dealt.

  1. All cards are dealt face up in the following order:
    The first card to the Player.
    The first card to the Banker.
    The second card to the Player.
    The second card to the Banker.
    If dictated by the drawing rules, the third card to the Player.
    If dictated by the drawing rules , the third card to the Banker.
  1. The decision to deal a third card to the Player is made automatically as below:

    Total of First Two Cards

    Draw or Stand

    0, 1, 2, 3, 4, 5

    Draw a third card unless the Banker has a Natural hand

    6, 7


    8, 9

    Stand (Natural hand)

    * A Natural hand is a two-card hand totalling 8 or 9.

    If the Player has 2, the Player draws a third card unless the Banker has a Natural 8 or Natural 9.

    If the Player has 6, the Player stands. Banker will draw a third card when it has 5 or less.

  1. If the Player draws a third card, the decision to deal a third card to the Banker is made automatically as below:

    Total of First Two Cards

    Draw when the Player's third card is

    Stand when the Player's third card is

    0, 1, 2

    0, 1, 2, 3, 4, 5, 6, 7, 8, 9



    0, 1, 2, 3, 4, 5, 6, 7, 9



    2, 3, 4, 5, 6, 7

    0, 1, 8, 9


    4, 5, 6, 7

    0, 1, 2, 3, 8, 9


    6, 7

    0, 1, 2, 3, 4, 5, 8, 9




    8, 9

    Stand (Natural)


How to Play

  1. To place your bet, tap the desired chip value and then tap the desired betting area on the table layout. Each tap adds one chip to it up to the maximum bet limit. Or you can tap another desired chip value to increase your bet by a different amount.

    To remove all your chips, tap Clear  button.

  2. Tap Confirm button before the betting timer expires. Bets are not accepted once the timer has expired.

  3. If you win, your winnings will be posted to Won  and your balance updated.

Betting Options & Payout Odds

There are 5 betting options in Virtual Baccarat

Betting Option

Winning Condition

Payout Odds

Player (P)

Player’s hand has the highest value.

1 to 1

Banker (B)

Banker’s hand has the highest value.

1 to 0.95

Tie (T)

Both hands have the same value.
In the Tie game, bets on the Player or Banker are refunded.

8 to 1

Player Pair (PP)

The first two card dealt to Player/Banker make a pair


11 to 1

Banker Pair (BP)



Game Controls




Display your total bet amount in the current round.


Display your winnings in the current round.


Display your current available balance. Tap to hide/show.


Remove all the unconfirmed chips from the table.


Double up all the unconfirmed chips on the table.


Confirm your bet on the table.


Place the same bet as the previous round.


Turn game music on/off.


Check the game results and betting records.

Table limit

Close the game and return to the table limit page.


Close game and return to the lobby.


Electronic Malfunctions

In the event of a disputed judgement, final decision will be made based on the actual result provided by the official website.

Any failure of the player’s equipment, including but not limited to network connection or device problems, will NOT void the game result. Players can check their bet history in the Report section.

Any Operator system malfunction and/or hardware failure will terminate the game and the gaming table will be closed.

Physical Malfunctions

The Operator reserves the right to re-run or void the result should any errors occur while processing the gaming result.


If players wish to make a complaint or dispute a game result, they must provide SBOTOP with the date and time of playing, reference number of the game and other related information. Failure to do so will result in the complaint being rejected by SBOTOP. Players must address their complaint within 24 hours of the dispute occurring. Any complaints submitted after 24 hours will be rejected by SBOTOP without further explanation.