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At the beginning of the new game the shoe or the bank is given to the player on the right of the dealer. Each player is given the bank in turn and can hold the bank as long as the bank wins. Once the bank looses it moves on to the next player. Before the cards are dealt each baccarat player has to make his bet. The player with the bank deals two sets of two cards, if of course the game is played by two players. The hand closest to nine wins. If the first two cards dealt count Eight or Nine it is called a "Natural" and wins automatically, unless both hands have the same value then it is of course a Tie. When nobody has a natural additional cards are drawn to determine the baccarat winner. If the hand you bet on wins you get a one to one payoff. You can also bet on a Tie where you get a one to eight payoff but a Tie is very rare, it occurs less than once in ten hands. When there is a Tie and you did not bet on it nobody looses or wins. The winning hand will be the one whose value is closest to nine (9). The value of a hand is calculated by adding up the value of the cards. Face cards and 10s have no value in Baccarat. Aces are worth 1 point. All other cards are counted at face value. Values that exceed nine are adjusted by removing the tens column.

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