First Person Baccarat

Beat the banker as you play First Person Baccarat!

The objective in this game is to get as close to nine as possible with three cards.

You have the option to bet on your hand, the banker’s hand, or a tie, and this will pay out at odds of 8-1.

What will your cards add up to?

    First Person Baccarat Game Overview

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

    Game Information

    The aim of First Person Baccarat is to accurately predict which hand will be closest to a total of nine, whether that be yours or the Banker's.

    You are able to place bets on either hands or on a tie.

    This game uses eight standard 52-card decks, as you can find in some of our online Blackjack games.

    How to Play

    Once you and the Banker have received your first two cards, the Third Card Rule decides whether a third card should be dealt to the hands.

    No more than three cards can be dealt to a hand.

    If your hand is equal to the Banker's hand, a tie is declared and all bets for that game are made void, with the exception of tie bets.

    If the value of your initial hand or the Banker's is an eight or nine (a "natural"), then no more cards will be dealt to either hands.

    Should either hand's first two cards equal zero to seven, in line with the Third Card Rule the hands shall draw.

    Third Card Rule

    If your two cards total:

    • 0-5 - your hand must draw
    • 6-7 - your hand must stand
    • 8-9 - "Natural" (Both hands stand)

    If the banker's two cards total:

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

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

    Banker's Hand
    Banker 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 (6,7), then a two-card banker hand equal to three, four or five must draw.

    A banker hand equal to six is required to stand.

    Return to Player (RTP) 

    The optimal theoretical payout percentage is:

    Baccarat - 98.94%

    Pairs - 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.

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