Punto Banco Baccarat

Baccarat is a popular card game that has been played for centuries. Punto Banco Baccarat, also known as American Baccarat, is one of the most popular variations of this game. In this article, our Baccarat9 team will explore the rules, strategies, and tips for playing Punto Banco Baccarat.

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What is Punto Banco Baccarat?

Punto Banco Baccarat is a game played with six to eight decks of cards at the shoe. The objective of the game is to bet on either the player (Punto) or the banker (Banco) hand, or on a tie. The hand with the highest total value of cards, up to a maximum of 9, wins.

Punto Banco Rules: How to Play 

The game starts with the dealer dealing two cards each to the player and banker positions. The values of the cards are then added up, and if the total exceeds 9, the second digit is used as the score. For example, if a player has a 7 and a 6, the total is 13, but the score is 3.

If the player or banker has a total of 8 or 9 with their first two cards, this is called a natural and no additional cards are drawn. If the total is 6 or 7, the player will stand, and the banker will draw a third card if their total is 5 or less. If the player has a total of 5 or less, they will draw a third card.

The hand with the highest total value of cards, up to a maximum of 9, wins. If both hands have the same total, it is a tie, and bets on the player or banker are returned.

Punto Banco Card Values

Baccarat's Punto Banco version follows the same scoring system as other versions: 10s, Jacks, Queens and Kings have no value while Aces are worth one point. The rest of the cards hold their face values in points. To reach a hand's total score, add up your first two card draws; if this adds up to a double-digit number then subtract ten from that sum - for instance 6+8=14 – 10 = 4 would result in four points for your hand.

Punto Banco Online
Punto Banco Online

Table Layout and Card Drawing in Punto Banco

Punto Banco is played at sizeable baccarat tables, which can accommodate up to 12 or 14 players with two dealers and one banker. In more confined areas like smaller rooms or online games, the table size may be reduced as in blackjack or mini-baccarat. For placing their wagers, there are specifically marked boxes on the table for betting on Player (Punto) and Banker (Banco). Additionally, a third box exists for Tie bets called Egalite Betting Boxes. The dealer shuffles six to eight decks of cards before each round so that no player has any sort of advantage over others during playtime. Subsequently, participants place either their stakes into Punto's box; Banco's section;or if they feel lucky enough - onto the Egalite bet box!

With all the wagers in place, the player to the dealer's right draws four cards and passes them to the casino employee. The dealer then sets these cards face down on the table - two for Player and two for Banker. In Punto Banco, dealing is completely taken care of by casino workers as opposed to Chemin de Fer where players are responsible for shuffling and passing out their own cards.

Card Drawing

Additional cards can be drawn during a game of Punto Banco Baccarat based on the total value of the Player and Banker hands. The following rules apply:

Rules for the Player

The rules for the Banker are slightly more complex because the Banker hand is drawn last and whether a third card is drawn depends not only on the initial cards dealt for the Player hand, but also on any additional cards drawn based on the above-described rules.

Rules for the Banker

Punto Banco Rules
Punto Banco Rules

Betting Options in Punto Banco Baccarat

There are three main betting options in Punto Banco Baccarat:

The odds for betting on the player and banker hands are almost even, but there is a commission of around 5% charged on bets placed on the banker hand.

Strategies for Playing Punto Banco Baccarat

One of the most popular strategies for playing Punto Banco Baccarat is the Martingale system. This involves doubling your bet every time you lose, with the idea that you will eventually win and recoup your losses. However, this can be a risky strategy, as it requires a large bankroll and there is no guarantee that you will win.

Another popular strategy is to bet on the banker hand, as it has a slightly higher chance of winning than the player hand. However, this strategy can be expensive due to the commission charged on banker bets.

Tips for Playing Punto Banco Baccarat

  1. Always bet within your means and set a budget for your gambling session.
  2. Keep track of your wins and losses to help you make better decisions.
  3. Take advantage of bonuses and promotions offered by online casinos.
  4. Practice playing for free before betting real money.
  5. Don't chase losses, and know when to walk away.
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Play Free Punto Banco Online

Punto Banco online is identical to playing in a land-based casino since the dealer handles all card activity, such as shuffling and cutting. Don't worry—there's still plenty of excitement! Playing online can be even more thrilling when you join a live casino with clear HD streaming and immersive views of the table. You'll get an interactive experience that will set your heart racing every time.

By customizing the game to match your bankroll and aesthetic preferences, you can take advantage of various betting limits. To top it off, the live chat option allows for an ultra-realistic gaming experience by enabling you to interact with both dealer and other players at the table!

Punto Banco RNG games offer a variety of betting limits and demo modes, like NetEnt's free version seen below. This game is composed of six decks with bet limits ranging from €1 to €100, as well as standard payouts: 1:1 for Player, 1:0.95 for Banker, and 1:9 for Tie. What makes this edition truly remarkable are its graphics - absolutely stunning! Plus additional features like history tracking, audio controls and an in-depth help section make the experience even more enjoyable on all devices you could use to access it!


Punto Banco Baccarat is an exciting and fast-paced card game that can be enjoyed by players of all skill levels. With its simple rules and multiple betting options, it is easy to see why it is such a popular game. By following the strategies and tips outlined in this article, you can increase your chances of winning and have an enjoyable gaming experience.


  • Is Punto Banco Baccarat the same as regular Baccarat?

    Punto Banco Baccarat is similar to regular Baccarat but with a few subtle differences. Both versions involve betting on either the player or banker position, and the hand with the highest total value wins.

  • How is the commission on banker bets calculated?

    The commission on banker bets is usually around 5%, and is calculated based on the amount of the bet.

  • Can I play Punto Banco Baccarat online?

    Yes, many online casinos offer Punto Banco Baccarat as part of their selection of games.

  • Is Punto Banco Baccarat a game of skill or luck?

    While there are some strategies that can be used in Punto Banco Baccarat, it is primarily a game of luck.

  • What is the minimum and maximum bet in Punto Banco Baccarat?

    The minimum and maximum bet can vary depending on the casino or table you are playing at, but they are typically displayed on the table. It is important to check the minimum and maximum bet before playing.

Terence Summers port
AuthorTerence Summers

Baccarat expert and gambling author with more than 10 years of experience. He has developed his own approach to the game of baccarat, which he shares in his well-researched and informative articles.