First Person Baccarat

First Person Baccarat

Will you beat the Banker in a game of the casino classic First Person Baccarat? 

    First Person Baccarat Game Overview

    The bet sizes available in First Person Baccarat range from 50p to £500.

    Game Information

    To win at First Person Baccarat, you must correctly guess if the total value of your hand is closest to a nine or the banker's. 

    Possible bets include: you having the winning hand, the banker having the winning hand, a tie.

    First Person Baccarat is played using eight standard 52-card decks.

    How to Play

    When the betting time has expired, you and the banker will be dealt two cards each. 

    The Third Card Rule (see below) will determine if a third card is dealt - no hand can receive more than three cards in this game.

    • If the total sum of your or the banker's initial two cards equals an eight or nine (a "natural"), no more cards will be dealt
    • If the total sum of either hand is between zero and seven, the hands draw
    • If the total sum of your and the banker's hand is equal, you'll tie and all bets will become void - unless you placed a tie bet


    Third Card Rule

    If the value of your hand equals:

    • 0 to 5 - your must draw
    • 6 to 7 - your must stand
    • 8 to 9 - this is called "Natural", and both your hand and the banker's hand must stand

    If the value of the banker's hand equals:

    • 0 to 2 - the banker must draw
    • 3 to 6 - the third card dealt to your hand determines whether the banker must draw or stand
    • 7 - the banker must stand
    • 8-9 - "Natural" - your and the banker's hands must stand

    When the banker's third card decision depends on the third card drawn by you, the following rules apply:  

    Banker's HandBanker Draws When Your Hand Equals:Banker Does Not Draw When Your Hand Equals:
    31, 2, 3, 4, 5, 6, 7, 9, 08
    42, 3, 4, 5, 6, 71, 8, 9, 0
    54, 5, 6, 71, 2, 3, 8, 9, 0
    66, 71, 2, 3, 4, 5, 8, 9, 0
    7Banker's hand must standBanker's hand must stand
    8, 9 (Natural)Banker stands naturalBanker stands

    If your hand stands on two cards (i.e. your hand equals six or seven), the banker must draw if his initial two cards equal three, four or five.

    A banker hand equal to six must stand.  


    Return to Player (RTP) 

    The optimal theoretical payout percentage for Baccarat is: 98.94%.

    The optimal theoretical payout percentage for Pairs is: 89.64%.

    The expected return is the amount we pay out to players relative to the amount of wagering on the game.

    For example, if we take £100 of wagers we will, on average pay out £98.94 of wins on Baccarat, and £89.64 in Pairs.