Virtual Casino


Baccarat (multi-player)

InterCasino's multi-player Baccarat is played and programmed with Atlantic City Gaming rules. Authority: New Jersey Casino Control Commission.
Rule Exceptions: The cards are shuffled after each hand.


Two hands are dealt in Baccarat - The Banker's hand and the Player's hand. Prior to each deal, the player wagers on whether the Player's hand or the Banker's hand is closest to a total of 9. The player also has the option to wager on a tie (i.e. both the banker's and player's hands total the same). 8 decks of 52 cards are used.

How to Play:

Betting: Your chips are stacked by denomination ($1, $5, $25, $100, $500) at the bottom of the game window. Select the amount you would like to wager on a given hand by clicking the left mouse button on the chip of that denomination. This activates that specific chip denomination. Next, place your bet on the Baccarat table by clicking on a bet field. To specify a bet that is not equal to an existing chip denomination, simply click on another chip denomination after placing your previous chip on the table. For example, to bet $30, click on the $25 chip and place it on the table then click on the $5 chip and place it on top of the $25 chip. By clicking on the right mouse button you will withdraw your entire wager.

Your total bet will be displayed in the "Bet" just below "User". You may repeat your last bet by clicking on the ReBet button or by simply hitting the "0" button of your numeric keyboard. Other keyboard shortcuts are summarized below. If you place a wager that is lower than the minimum table bet limit, your bet amount will be automatically adjusted to the minimum bet amount.

Multi-Player Baccarat: In the multi-player version of Baccarat, each table can accommodate five players and the dealer. You may change your position on the table by clicking on the desired spot between hands. Each player begins a hand by placing a bet on the Baccarat table. You may place a bet when the "Deal" button, "Pass" button and betting chips are placed in front of your seat.

There are three types of bets a player may wager on - the Player's hand (click on the first circle from the end of the table to place the wager), the Banker's hand (click on the second circle from the end of the table to place the wager), or the Tie bet (click on the number above the second circle to place the wager). A combination of these bets can also be made. Place your wagered amount by clicking with the left mouse button on the Baccarat table field you would like to bet (Player, Banker, Tie).

Once you have placed a bet on the table, you may choose to skip the given deal (before your first card is dealt) by clicking on the "Pass" button or to proceed with the bet by pressing "Deal". If you do not bet or pass within 15 seconds from the beginning of your turn, you will be automatically excluded from that particular hand. Note that if you join a table in the middle of a hand, you must wait until the round is over and after that you will be able to bet on the next hand.

After each player has pressed either the "Deal" or "Pass" button, the Player and Banker are dealt two cards. All tens and picture cards are worth zero, aces are worth 1, and all other cards are worth their face value. If the value of cards exceeds 9, then the value is adjusted by subtracting 10 from the total.


Hand Hand Total
9+7=16 6
5+5+5=15 5
10+9=19 "Natural" 9

After the first two cards are dealt to both the Player and Banker, a third additional card may be dealt but the player does not ask for a third card. All additional cards are subject to a "Third Card Rule". No hand receives more than three cards. When the Player and Banker hands equal the same total, the hand is declared a Tie. If the value of the cards in either the Player's Hand or the Banker's Hand is an 8 or a 9 (a "natural") after receiving their initial two cards then no more cards shall be dealt to either hand. If the value of the cards in the Banker's Hand on the first two cards is 0 to 7 inclusive, the Player's hand shall draw in accordance with the "Third Card Rules".

Third Card Rules:

If the Player's two cards total:

Player's Hand Draw?
0-5 Player's hand must draw
6-7 Player's hand must stand
8-9 "Natural" (both hands stand)

After the Player's Hand acts on a third card draw, the Banker's Hand receives a third card according to these rules:

Banker's Hand Draw?
0-2 Banker's hand must draw
3-6 Third card to Player's hand determines draw or stand
7 Banker's hand must stand

When the Banker's two cards total between 3-6:

Banker's Hand Banker's hand draws when Player's third card is: Banker's hand does not draw when Player's third card is:
3 1-2-3-4-5-6-7-9 8
4 2-3-4-5-6-7 0,1,8,9
5 4-5-6-7 0-1-2-3-8-9
6 6-7 0-1-2-3-4-5-8-9
7 Banker's hand must stand Banker's hand must stand
8-9 "Natural" - Bank stands "Natural" - Bank stands

If the Player's hand stands on two cards (6,7), then a two card Banker hand totalling 3,4,5 must draw and a Banker hand totalling 6 must stand.


Wager and Result Payoff
A winning Player hand wager 1 to 1
A winning Banker hand wager 1 to 1
A winning Tie wager 8 to 1

Betting Limits:

$5 minimum bet.
$300 maximum bet.

Setting your table bet limit:

You may also set your table bet limit below the maximum specified limit by selecting Bet Options from the Game Menu. The Modify Table Bet Limit window will appear on the screen. To reduce your maximum table bet limit type in the new limit in the appropriate box and confirm it by typing your PIN in the box below. Click on the OK button to complete the update. Please be aware that you can modify your table bet limit no more than once per week (Friday 12:00 AM EST) and that using the Modify Table Bet Limit function affects the bet limit for all games and not just the game that you are currently playing.


To begin chatting, click on the Chat button at the bottom left-hand corner of the game console. A chat window will pop-up in the top-left hand corner of the game console. You may chat with others at the table by typing in a message in the chat window and pressing Send. Your message and the messages of others will appear in the top part of the game window. The actual location depends on your seating position. If you prefer not to chat, you may close the chat window by clicking on the "x" button in the top right hand corner of the chat window. You may reopen the chat window at any time by clicking on "Chat" in the top menu bar.

Please refrain from using any language or discussing topics that others may deem offensive. Failure to comply with this rule may result in your removal from InterCasino. If you feel that someone is abusing this rule, please send an e-mail to our support team and we will look into it.


A list of the previous winners is displayed in the Statistics window on the left hand side of the screen. The Banker's hand is indicated by the letter 'B', the Player's hand is indicated by the letter 'P' and a tie is indicated by a dash '-'. Consecutive wins by either the Banker or the Player are displayed in the same column. A new column is displayed when the Banker or Player starts a new winning streak. A tie is considered part of the same winning streak and is always displayed in the same column as the previous winner. In addition, the sum of all Banker wins, Player wins, ties and total hands played is displayed at the bottom of the statistics window.


You may turn on/off the Sound, Voice and Animation during the game by clicking on the Options button located in the lower left-hand area of the console. The setting is turned on when the checkbox is checked and it is turned off when the checkbox is unchecked. You must exit and re-enter the game to activate the Animation feature.


For further information on Baccarat, please consult the following references:

Patrick, John. John Patrick's Baccarat : How to Play and Win at the Table With the Fastest Action and the Highest Stakes, Lyle Stuart, 1997.

Stuart, Lyle. Lyle Stuart on Baccarat, Barricade Books, 1997.

Tamburin, Henry. Reference Guide to Casino Gambling, Research Services Unlimited, 1993.

Tamburin, Henry and Rahm, Richard. Winning Baccarat Strategies, Research Services Unlimited, 1983.


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