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Hand Values in Baccarat: A Comprehensive Guide

September 12, 2026

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As a copywriter with 15 years of experience playing online casinos, I have a wealth of knowledge about hand values in baccarat. In this article, I will provide you with expert insights, up-to-date information, and useful tips on how to master this classic casino game.

Gameplay and Features

Baccarat is a popular card game that is easy to learn but offers plenty of excitement for players. The game is played between two hands, the “Player” and the “Banker,” with the objective being to bet on which hand will have a total value closest to 9. Each hand is dealt two cards, and the hand with the highest total wins.

Hand Values

In baccarat, the value of each hand is determined by adding the numerical value of the cards. Cards 2-9 are worth their face value, 10s and face cards are worth 0, and Aces are worth 1 point. If the total value of a hand exceeds 9, the second digit of the total is used as the hand’s value. For example, a hand with a 6 and a 7 would have a total value of 13, but its hand value would be 3.

Card Value
2-9 Face Value
10s, Face Cards 0
Aces 1

House Edge

The house edge in baccarat is relatively low compared to other casino games, making it a favorite among players. The house edge on the Player bet is around 1.24%, while the house edge on the Banker bet is even lower at around 1.06%.

Payouts

When you win a Player bet, you are paid even money. If you win a Banker bet, you are paid 1:1 minus a 5% commission to the house. Ties typically pay 8:1 or 9:1, depending on the casino.

Advantages and Disadvantages

  • Advantages:
    • Simple rules and gameplay
    • Low house edge
    • Fast-paced and exciting
  • Disadvantages:
    • Limited betting options
    • Here

    • Commission on Banker wins

Tips for Playing Baccarat

1. Stick to the Banker bet for the best odds

2. Avoid the Tie bet due to its high house edge

3. Manage your bankroll responsibly

4. Practice playing for free before wagering real money

Where to Play Baccarat

There are several reputable online casinos where you can play baccarat, including Betway Casino, 888 Casino, and LeoVegas Casino. Each of these casinos offers a variety of baccarat games and generous bonuses for new players.

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