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4/2/2022
Punto Banco Drawing Rules Average ratng: 4,9/5 2364 votes
Baccarat rules:

Punto Banco is originally from Mexico and its rules are inspired directly by Baccarat. Played with 6 decks of 52 cards, it can be played by up to 7. The rules that we present to you concern the Punto Banco with 7 players, also called mini-baccarat. Visit Spinsify.com to know about the classic table game Punto Banco. Find out what your strategy should be, how the rules work and how you win!

A article describing the best online Baccarat game sites where Bitcoin is accepted as deposit method.

Graphic courtesy MGM Grand, AU

The basics and how to play baccarat

Baccarat or Punto Banco is usually played in a separate casino area. The playing table is about the size of a craps table with three casino dealers and up to 12 or 14 players.

There are just two principal bets to make: banker or player - Banco or Punto, plus the rarely used Standoff. Some casinos let the players deal the cards in turn and others have a casino dealer to deal the cards. In online Baccarat the cards are dealt automatically by a virtual dealer.

Each player, including the player dealing, may bet on either Punto or Banco but it is customary for the dealer to bet on Banco. Players may opt not to deal, passing the 'Shoe' to the next player. The shoe remains with one player as long as the Bank wins. If Punto wins, the shoe passes on to the next player.

Two hands are dealt and you bet which one will win, or that they will tie. It is just like betting on Black or Red at roulette, and the payoff is even money, 1:1 (except for the standoff, which pays 8-1 or 9-1). The only difference between the Banco and Punto bet is a win on Banco will cost you 5% commission or tax levied by the casino - the in-built advantage.

The reason for taxing the Banco is because it has been established that over an 8-deck cards play on average the Banco will win three to four hands more than the Punto.

Each hand consists of a minimum of two and a maximum of three cards. The person dealing will put two cards, face down, tucked under the shoe, and give the player with the largest bet on Punto the other two cards, face down.

The Punto player then looks at the cards and gives them back to the player who is dealing. Then the player who is dealing will turn over the cards of both hands while one of the casino dealers will announce the results and the winner.

If either hand has a total of 8 or 9 (nine is the highest), then it is called a 'Natural' and no more cards are dealt. If it is not a natural, then depending on the value of each hand the casino dealer may instruct the card dealer to deal a third card. The decision when to deal a third card follows precise set rules used by all casinos.

Once dealing is completed, the hand with the highest count wins. The paying casino dealers will collect the losing bets first and then pay the winning ones. The player who actually deals the cards is not responsible for the payouts. He is just like any other player, playing against the casino.

The rules

Baccarat is played from a six-deck or an eight-deck shoe. All face cards and 10s have no value. Cards less than 10 are counted at face value, Aces are worth 1. Suits don't matter. Only single digit values are valid. Any count that reaches a double digit drops the left digit. 15 is counted as 5 and 25 is also counted as 5.

Punto banco drawing rules

To start, the players bet either on Banco or Punto or Standoff. The card dealer gives two cards each; first to the player and then the banker. The object of the game is to bet on the hand that you think will have the highest total value.

A third card may be dealt to either or both the player (Punto) and the bank (Banco) based on the following three-card-rules. It is not necessary to learn these rules to play, they are compulsory decisions and therefore automatic. Only on rare occasions a mistake is made:

Player's third-card-rule

  • If either the player or the bank have a total of 8 or 9 on the first two cards no further cards are drawn. The resulting hand is called a natural and the hand is over.
  • If the player's total is less than or equal to 5 the player's hand draws a third card.
  • If the player does not draw a third card, then the bank's hand stands on 6 or more and takes a third card on a total of 5 or less. If the player does take a third card then the Bank's third-card-rule below will determine if the bank takes a third card.

Bank's third-card-rule

  • If the bank's total is 2 or less then bank draws a card, regardless of what the players third card is.
  • If the banks total is 3 then the bank draws a third card unless the players third card was an 8.
  • If the banks total is 4 then the bank draws a third card unless the players third card was a 0, 1, 8, or 9.
  • If the banks total is 5 then the bank draws a third card if the players third card was 4, 5, 6, or 7.
  • If the banks total is 6 then the bank draws a third card if the players third card was a 6 or 7.
  • If the banks total is 7 then the bank stands.

House advantage
Banker (Banco) 1.17%
Player (Punto) 1.36%
Tie (Standoff) 14.12% at 8:1 payout

See Chemin De Fer - A brief description of the French version of Baccarat.

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Punto Banco is an exciting, fast-paced game and is one of the easiest games to play in the casino. Originating in Italy in the 15th Century, Punto Banco is a version of Baccarat that developed in Cuba and then became very popular in the USA after Fidel Castro closed all of the casinos in Havana. James Bond’s favourite game, Punto Banco is considered to be the most glamorous of all casino games and due to its relatively high limits, many high rollers are drawn to play the game in Las Vegas and Atlantic City.

How to Play Punto Banco

The Dealer will deal 2 hands and the only decision you have to make is whether to place a bet on the “Punto” hand (i.e. the Player) the “Banco” hand (the Banker) or Egalité (a tie between the two hands). Punto Banco in the Fitzwilliam is played with 6 Decks of Cards.

The Minimum bet is €10 and the Differential is €2000 on any one round (i.e. this is the maximum bet the casino will accept on any one hand with both Punto and Banco sides added together). The Maximum for Egalité is €250 for the table (on a first bet down basis).

Punto Banco Drawing Rules How To Play

The objective is to bet on the hand that you think will come closer to a total count of nine. Picture cards and tens count as 0. Aces count as 1, and all other cards count as face value. If required, a third card is dealt to each hand (according to rules below). If the point value of the first two cards drawn for either hand is 8 or 9, that is known as a “Natural” and no additional cards will be drawn. Hands don’t ever exceed 9 (bust), because the first digit of a two-digit number is always dropped.

Winning “Punto” &”Banker” bets are paid even money. If both hands result in identical totals, the Egalité bet wins, paying 8 to 1. When Egalité occurs, all bets on the “Player” and the “Banker” are neither paid nor taken. There are certain Drawing Rules which must be adhered to:

PLAYERS HAND
Hand holding totals
after 2 cards:
Action:
0, 1, 2, 3, 4, 5Is dealt a third card unless Banco has 8 or 9
6 or 7Stands
8 or 9Natural – No further cards
BANKERS HAND
Hand holding totals
after 2 cards:
Action:
0, 1, 2Is dealt a third card
3Is dealt a third card unless Punto third card is an 8
4Is dealt a third card unless Punto third card is an 0, 1, 8 or 9
5Is dealt a third card unless Punto third card is an 0, 1, 2 ,3, 8 or 9
6Stands unless Punto card is 6 or 7
7Stands
8 or 9Natural – No further cards to play

Punto Banco Drawing Rules For Beginners

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Punto Banco Drawing Rules

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Punto Banco Drawing Rules Step By Step

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Punto Banco Drawing Rules For Dummies

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