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Punto Banco is a card game similar to baccarat. This is different to blackjack, where you are always trying to beat the dealer.
The game is played using six decks of cards dealt from a shoe. In traditional Punto Banco, the shoe is passed around the table clockwise so all players get the chance to be banker.
However, it can also be played with a designated banker in the same way as blackjack. This version of the game is popular in American casinos.
In Punto Banco face cards and 10s have a value of zero. Aces are always worth one, with all other cards worth their face value. When the sum of two or more cards is greater than 10, the score is the final number.
For example, if you are dealt , resulting in a total of 11, your score is 1. An easy way to work this out is to subtract 10 from any number above In fact, James Bond is more associated with Punto Banco than poker.
Play begins with the player placing an initial bet on the table — players can place one of three types of bet: Once bets have been placed, the dealer will deal the player two cards face down on the table and then deal himself two cards face up.
For each coup, two cards are dealt face up to each hand, starting from "player" and alternating between the hands. The croupier may call the total e.
If either the player or banker or both achieve a total of 8 or 9 at this stage, the coup is finished and the result is announced: If neither hand has eight or nine, the drawing rules are applied to determine whether the player should receive a third card.
Then, based on the value of any card drawn to the player, the drawing rules are applied to determine whether the banker should receive a third card.
The coup is then finished, the outcome is announced, and winning bets are paid out. The croupier will deal the cards according to the tableau and the croupier will announce the winning hand, either the player or the banker.
Losing bets will be collected and the winning bets will be paid according to the rules of the house. The game is frequented by high rollers , who may wager tens or hundreds of thousands of dollars on a single hand.
Posted maximum bets are often arranged to suit a player. Six or eight decks of cards are used, normally shuffled only by the croupier and dealers.
The shoe is held by one of the players, who deals the cards on the instructions of the croupier according to the tableau.
The shoe may be refused or the croupier may be requested to deal. Punto banco has both some of the lowest house edges among casino table games, and some of the highest.
The player bet has an attractively low house edge of 1. Both are just slightly better for the player bet than chances at single-zero roulette , and comparable to playing blackjack without employing strategy.
In contrast, the tie bet which pays 8-to-1 has a high house edge of While card counting , as employed in games such as blackjack, yields almost non-zero advantages, paired with a technique known as edge sorting , advantage baccarat players can obtain a significant edge versus the casino.
Smaller versions of the game are common in more modest settings. In midi punto, the table is only staffed by a single croupier and is generally smaller.
In mini punto, the table is no larger than a standard blackjack table, and the cards are dealt by a croupier directly from a standard shoe.
This game goes under various names including Super 6 and Punto The house edge on a banker bet under Super 6 is 1. This is equivalent to increasing the commission by The banker wins with a 6 about 5 times every eight-deck shoe.
As well as its increased house edge, the Super 6 variation is used by casinos for its speed, since it partially does away with the time-consuming process of calculating and collecting commission on winning banker bets except for winning with a 6.
A variation of punto banco originating in where even money is paid on winning banker or player bets, except when the banker wins with a total of 7 after the third card is drawn, which results in a push.
The game has two additional options, the Dragon 7 , a specific bet of a winning three card 7 on the banker side, which pays to-1 instead of pushing, and Panda 8 , a bet of a winning three card 8 on the player side, which pays to Chemin de fer is a version which first appeared in the late 19th century.
Its name, which is the French term for railway , comes from the version being quicker than the original game,  the railway being at that time the fastest means of transport.
It is still the most popular version in France. Six decks of cards are used, shuffled together. Players are seated in random order, typically around an oval table; discarded cards go to the center.
Play begins to the right of the croupier and continues counterclockwise. Once play begins, one player is designated as the banker; this player also deals.
The other players are "punters". The position of banker passes counterclockwise in the course of the game. In each round, the banker wagers the amount he wants to risk.
The other players, in order, then declare whether they will "go bank", playing against the entire current bank with a matching wager. Only one player may "go bank".
If no one "goes bank", players make their wagers in order. If the total wagers from the players are less than the bank, observing bystanders may also wager up to the amount of the bank.
If the total wagers from the players are greater than the bank, the banker may choose to increase the bank to match; if he does not, the excess wagers are removed in reverse play order.
The banker deals four cards face down: The player with the highest individual wager or first in play order if tied for highest wager is selected to represent the group of non-banker players.
The banker and player both look at their cards; if either has an eight or a nine, this is immediately announced and the hands are turned face-up and compared.
If neither hand is an eight or nine, the player has a choice to accept or refuse a third card; if accepted, it is dealt face-up.
After the player makes his decision, the banker, in turn, decides either to accept or to refuse another card. Once both the banker and the representative player have made their decision, the hands are turned face-up and compared.
If there is a tie, wagers remain as they are for the next hand. If the banker wishes to withdraw, the new banker is the first player in order willing to stake an amount equal to the current bank total.
If no one is willing to stake this amount, the new banker is instead the next player in order, and the bank resets to whatever that player wishes to stake.
Many games have a set minimum bank or wager amount. In Baccarat Banque the position of banker is much more permanent compared to Chemin de fer.
The shoe contains three inter-shuffled decks. The banker, unless he retires either of his own free will or by reason of the exhaustion of his finances, holds office until all these cards have been dealt.
The bank is at the outset put up to auction, i. In some circles, the person who has first set down his name on the list of players has the right to hold the first bank, risking such amount as he may think proper.
The right to begin having been ascertained, the banker takes his place midway down one of the sides of an oval table, the croupier facing him, with the discard area between.
On either side of the banker are the punters ten such constituting a full table. Any other persons desiring to take part remain standing, and can only play in the event of the amount in the bank for the time being not being covered by the seated players.
The croupier, having shuffled the cards, hands them for the same purpose to the players to the right and left of him, the banker being entitled to shuffle them last, and to select the person by whom they shall be cut.
Each punter having made his stake, the banker deals three cards, the first to the player on his right, the second to the player on his left, and the third to himself; then three more in like manner.
The five punters on the right and any bystanders staking with them win or lose by the cards dealt to that side; the five others by the cards dealt to the left side.
The rules as to turning up with eight or nine, offering and accepting cards, and so on, are the same as Chemin de fer.
Each punter continues to hold the cards for his side so long as he wins or ties. If he loses, the next hand is dealt to the player next following him in rotation.
Any player may "go bank", the first claim to do so belonging to the punter immediately on the right of the banker; the next to the player on his left, and so on alternatively in regular order.
If two players on opposite sides desire to "go bank", they go half shares. A player going bank may either do so on a single hand, in the ordinary course, or a cheval, i.
A player going bank and losing may again go bank, and if he again loses, may go bank a third time, but not further.