Mini Baccarat Betting Rules
1. RANDOM NUMBER GENERATED MINI-BACCARAT (PUNTO BANCO)
Mini-Baccarat is a faster version of the card game Baccarat (also called Punto Banco in some areas of the world). The object of the game is to bet on whichever of two hands, the players hand or the bankers hand, that the Player thinks will have a point value closest to 9. The Player can also bet on a tie.
Over a long period of time, the game is likely to average a return to the Player of 97.62% of the total bets made.
2. 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 players or bankers and tie, then left-clicks to place their bets. The chip will automatically appear in the betting circle, with the total value of the bet written alongside. The bet amount will also appear at the top of the window.
Note that the Player may place a bet on the tie by placing a bet in the area marked TIE.
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.
As soon as the Player has placed their bet(s), they must left-click on the DEAL button to commence play. The system will automatically deal two hands of cards, which are called the players hand and the bankers hand. All cards are dealt face up. The cards will be drawn in the following order:
- The first card for the players hand.
- The first card for the bankers hand.
- The second card for the players hand.
- The second card for the bankers hand.
- If dictated by the drawing rules, the third card for the players hand.
- If dictated by the drawing rules, the third card for the bankers hand.
More than three cards can never be drawn for either hand.
There are no values greater than nine in the game of mini-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.
When the hand is finished, the NEW GAME button in the game window on the screen will illuminate. Left-click on this button to begin the next game.
Some common Mini-Baccarat terms are provided below, complete with explanations.
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.
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 9 for 1. If there is a tie, bets on the bankers or players are returned to the Player.
Maximum and Minimum Bets
The maximum and minimum bet limits will only be displayed within the Gaming Rules Menu of this Game after the Player has logged in.
3. Mini 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 players hand or the bankers 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. |
4. 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.
5. Drawing Rules
There are no optional drawing rules in this game. Whether cards are drawn or not is determined automatically by the system 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 players hand totals 0, 1, 2, 3, 4 or 5 a third card is automatically drawn for the players hand unless the bankers hand consists of a natural 8 or natural 9.
If the players hand totals 6 or 7 the decision is to stand. A card will then be drawn automatically for a bankers 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 | 1,2,3,4,5,6,7,8,9,10 | |
| 3 | 1,2,3,4,5,6,7,9,10 | 8 |
| 4 | 2,3,4,5,6,7 | 1,8,9,10 |
| 5 | 4,5,6,7 | 1,2,3,8,9,10 |
| 6 | 6,7 | 1,2,3,4,5,8,9,10 |
| 7 | Stand | |
| 8,9 | Stand (Natural) |