How to Play Online Baccarat at the ReefClub Casino

Baccarat on a postcard…

Kick off those stylish evening shoes and soak in the vibrant, sunset on the moonlit beach in the company of your devoted ReefClub Casino dealer. Play Baccarat with the backdrop of a starry night’s sky, dusky, white sands and enjoy Europe’s oldest and most popular card game within the confines of our idyllic casino retreat.

Baccarat (pronounced ba-ka-ra) began as a high-limit game until casinos later developed a version for lower-limit players known as mini-baccarat. This is the game we feature at the ReefClub Casino.

The rules of Baccarat are fairly straightforward to grasp, with a few Baccarat tips under your belt, frequent winnings are practically a certainty! There are no decisions to be made during the game so guests can just relax while the dealer does all the work! The only two decisions a bettor must make, before each hand is dealt, are the selection of the position they believe will win the next hand, and determining the amount of the wager. All bets are banked by the House which also collects or makes payouts on each hand that is dealt. It is a good idea to be familiar with Baccarat rules, simply to increase the thrill of the game, and the anticipation of the turn of a card. With a combination of heart-stopping excitement and fantastic odds for the Player, online Baccarat is one of the best games in the casino for a bettor.

Aim of the Game:

To wager on the hand that will finish with a point total of 9, or as close to it as possible.

Betting:

Guests have three options to wager on: Player hand, Banker hand or Tie hand. You may also bet on Banker and Player hand or tie hand at the same time.

Card Values:

Aces count as one.
2 through 9 count as face value.
10s and Pictures count as zero.

For example:

9+7=16	Hand counts 6
5+5+5=15	Hand counts 5
10+9=19	Hand is a "Natural" 9
King+Ace+5=16	Hand counts 6

The Game:

Similarly to Classic BlackJack, Baccarat cards are dealt from a shoe. Online Baccarat uses six decks of cards which are re-shuffled after each hand. You can bet on either the Player's side, the Bank side, or on a Tie. Four cards are dealt, the first and third to the Player's hand, the second and fourth to the Banker's hand.

Below you can find an explanation of the point total of both hands. If either hand totals 8 or 9, each of these numbers is called a "Natural", then no additional cards are dealt. If your hand’s point total is the closest to 9, you can rest easy by the pool, as this is deemed the winning hand in online Baccarat. . When both hands have equal totals, a "Tie" is declared.

On occasion the dealer may need to deal a third card which is drawn face up first to the Player's hand and then, if necessary, to the Banker's hand. The distribution of the third card is dependent on the points accumulated by each hand after the initial draw. No more than one additional card per hand may be dealt. The drawing of the third card is governed by the following fixed rules:

Rules of the Third Card:

Player Hand:

Player Two Card Total	Player Action
1-2-3-4-5-0	Draws if Bank does not hold a "Natural" 8 or 9
6-7-8-9	Stands

Banker Hand:

Banker's Third Card Rule may depend on the third card drawn for the Player.

Banker 2 Card Total	Banker Action
0-1-2	Must draw if Player does not hold a "Natural" 8 or 9
7-8-9	Must Stand

When Banker hand Totals 3-6:

	Draws when Player's Third Card is:	Stands when Player's Third Card is:
3	1-2-3-4-5-6-7-9-0	8
4	2-3-4-5-6-7	1-8-9-0
6	4-5-6-7	1-2-3-8-9-0
6 (Stands if Player does not draw a third card)	6-7	1-2-3-4-5-8-9-0

How to Play:

1. You will find your chips stacked denomination, in the right-hand corner of the screen. Simply by dragging and dropping the chips on the Player, Banker or Tie spots, above your name you can place a bet. Dragging and dropping your chips back to your stack will cancel your bet, or you can click the right-hand mouse button while pointing the cursor at the bet you wish to cancel. Also dragging and dropping chips from one spot to another changes the hand you wagered on. For example, by clicking your left-hand mouse button, whilst pointing the cursor on your chips, you may drag and drop them from the Player spot to the Banker spot.
2. To increase the wager after placing any chip on the table, you simply click on the chip you would like to add.
3. In order to start the round click "Deal", this prompts game play and the Player and the Banker are dealt 2 cards each. The third card is dealt automatically according to the "Third Card Rules" as above.
4. For ease of play, all hand values are displayed on the screen just beside the cards dealt at the end of the round.
1. Dealer collects losing bets.
2. Your winnings are placed momentarily next to your original bet, and then added to your stack of chips.
3. Your Bankroll counter is adjusted automatically.

Payout:

Winning hand wagers belonging to the Player are paid 1 to 1.
Meaning that if you bet on the Player hand, and the Player hand was closer to 9 than the Banker hand, your bet is returned to you as well as an additional sum equal to your original bet.
Winning hand wagers belonging to the Banker's are paid 1 to 1.
The House charges a 5% commission (vigorish) on all winning Bank wagers. The commission is deducted immediately upon payment of the winnings.
Meaning that if you bet on the Banker hand, and the Banker hand was closer to 9 than the Player hand, you will get your bet back, plus an additional sum equal to your original bet minus 5%.
Tie bet winning wagers are paid 8 to 1.
Meaning that if you bet on the Tie hand, and Banker and Player have the same hand count, you will get your bet back, plus an additional sum equal to your original bet multiplied by 8.

Shortcut Keys:

To	Click
Deal	Space Bar/C
Place a Bet on Tie	T
Place a Bet on the Banker	B
Place a Bet on the Player	P
Repeat Bet	R
Back to the Lobby	Backspace

The table limits appear in the game and differ between Standard, High Rollers and VIP players.

The Betting Limits may change according to Casino Policy.

Some differences between the rules at land Casinos and ReefClub Casino:

Land Casinos (varies based on the House Rules)	ReefClub Casino
Played usually with 6 or 8 decks of cards.	Played with 6 decks of cards.
The 5% commission may be paid either at the end of each shoe or when the player quits playing, whichever comes first.	5% commission is deducted immediately upon payout.
Baccarat may have up to 15 player spots, while mini-baccarat has 7.	Mini-baccarat has 5 player spots.
Dealer may deal the cards face down and allow the player to turn them.	All cards are dealt face up.
When Tie occurs the bettor may alter the wager made on Player or Banker or let it ride on the next hand.	When the Tie occurs the wager made on Player or Banker is returned to your Bankroll.
In Baccarat the shoe may be passed around and each player will have a chance to deal.	Dealer deals all cards.