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Live Baccarat Guide: Rules and Bets for Beginners
Learn live baccarat in minutes: how Player and Banker hands work, card values, the third-card rule, commission and the bets with the lowest house edge.
Quick answer
In baccarat you bet on whether the Player or Banker hand will finish closer to 9, or on a Tie. The Banker bet has the lowest house edge (about 1.06%) even after commission, while Tie bets carry a high house edge.
Card values
- Ace = 1
- 2 to 9 = face value
- 10, J, Q, K = 0
- Only the last digit of the total counts
The main bets
- Banker: about 1.06% house edge, 5% commission
- Player: about 1.24% house edge
- Tie: about 14% house edge on 8:1 payout
Live table tips
- Ignore "patterns" on the scoreboard; each hand is independent
- Avoid side bets if you want lower risk
- Set a fixed bet size per hand
Frequently asked questions
Does free kredit work on live baccarat?
Usually not. Most free kredit is restricted to slots. Check the promotion terms.