First Person Baccarat

Play First Person Baccarat and try to beat the banker!

Your goal in this online casino game is to get as close to nine as possible using three cards.

You are able to place bets on your hand, the banker’s hand, or a tie, and this will pay out at odds of 8-1.

Take on the banker.

    First Person Baccarat Game Overview

    The chip sizes available in First Person Baccarat range from 50p to £500.

    Game Information

    When you play First Person Baccarat, your goal is to accurately predict which hand's value will be closest to a total of nine - the Banker's or yours.

    You are able to place wagers on either hands, or you can bet on a tie.

    This game is played with eight standard 52-card decks.

    How to Play

    As soon as you and the Banker have received your first two cards, the Third Card Rule will determine whether the hands should be dealt a third card.

    No hand is able to be dealt greater than three cards.

    If your hand is equal to the Banker's hand, it results in a tie and all bets will be made void for that game, except tie bets.

    If the value of either your initial hand or the Banker's is an eight or nine, which is known as a "natural", then neither hand will receive any further cards.

    Should either hand's first two cards equal zero to seven, the hands shall draw in accordance with the Third Card Rule.

    Third Card Rule

    If your two cards total:

    • 0-5 - your hand has to draw
    • 6-7 - your hand must stand
    • 8-9 - "Natural" (Both hands stand)

    If the banker's two cards total:

    • 0-2 - banker's hand must draw
    • 3-6 - the third card dealt to your hand decides whether to draw or stand
    • 7 - banker's hand has to stand
    • 8-9 - "Natural" (Both hands stand)

    When the banker's third card decision depends on the third card drawn by you, the following rules will be applied:  

    Banker's Hand
    Banker Draws When Your Hand Equals:
    Banker Does Not Draw When Your Hand Equals:
    31, 2, 3, 4, 5, 6, 7, 9, 08
    42, 3, 4, 5, 6, 71, 8, 9, 0
    54, 5, 6, 71, 2, 3, 8, 9, 0
    66, 71, 2, 3, 4, 5, 8, 9, 0
    7Banker's hand must standBanker's hand must stand
    8, 9 "Natural"Banker stands naturalBanker stands

    If your hand stands on two cards (6,7), then a two-card banker hand equal to three, four or five must draw.

    If the Banker has a hand equal to six, they must stand.

    Return to Player (RTP) 

    The optimal theoretical payout percentage is:

    Baccarat - 98.94%

    Pairs - 89.64%

    The expected return is the amount we pay out to players relative to the amount of wagering on the game.

    For example, if we take £100 of wagers we will, on average pay out £98.94 of wins on Baccarat, and 89.64% in Pairs.