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There exist at least two differences between American and European Baccarat. In European Baccarat the player decides himself whether he will draw or stand on 5. In European baccarat the banker can also either draw or stand on 5.

 

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If the value of the cards in either the Player's Hand or the Banker's Hand is an 8 or a 9 (a "natural") after receiving their initial two cards then no more cards shall be dealt to either hand. If the value of the cards in the Banker's hand on the first two cards is 0 to 7 inclusive, the Player's hand shall draw in accordance with the third card rules. When the Banker's two cards total between 3-6: Banker's Hand Banker's hand draws when Player's third card is: Banker's hand does not draw when Player's third card is: 3 1-2-3-4-5-6-7-9 8 4 2-3-4-5-6-7 0,1,8,9 5 4-5-6-7 0-1-2-3-8-9 6 6-7 0-1-2-3-4-5-8-9 7 Banker's hand must stand Banker's hand must stand 8-9 "Natural" - Bank stands "Natural" - Bank stands

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