Free baccarat simulator: understand the cards and payouts
Use this baccarat simulator to practise with virtual credits before comparing the rules of a real table. Choose a bet, watch both hands play out and inspect the return. There is no deposit or account, and practice credits have no cash value.
How to play a practice round
Select Player, Banker or Tie. These are the outcomes you can bet on, not seats you need to occupy. Enter a whole-credit stake from 1 to 10,000, within your available balance, then deal. The simulator completes both hands automatically; there is no hit or stand decision.
The balance drops by your stake when dealing begins. After the cards settle, any returned amount is added back. You can change the side and stake for the next round, or reset the session to a new starting balance.
Baccarat card values and natural hands
An ace is worth 1; numbered cards from 2 to 9 keep their value. Tens and picture cards count as zero. Add the points and keep the last digit: 7 plus 8 is a total of 5, while 9 plus an ace is zero.
A total of 8 or 9 on either opening two-card hand is a natural. Both hands then stop drawing and their totals are compared. A natural 9 beats a natural 8; equal totals tie. Otherwise, the hand closer to nine after all required cards wins.
Why a third card is dealt
Without a natural, Player draws on 0–5 and stands on 6 or 7. If Player stands, Banker also draws on 0–5. When Player takes a third card, Banker follows the drawing table shown in the tool. That rule uses the value of Player’s third card, not Player’s new total.
For example, Banker on 3 stands when Player’s third card is an 8 but draws for any other third-card value. Banker on 6 draws only when that card is a 6 or 7. These fixed rules apply even when Banker is already ahead.
Player, Banker and Tie payouts
On this table, a winning 20-credit Player bet returns 40: the original 20 plus 20 profit. A winning Banker bet of 20 returns 39: the stake plus 19 profit after a 5% commission. A winning 20-credit Tie bet returns 180, including 160 profit.
If the hands tie, Player and Banker bets return their stakes without profit. A Tie bet loses when either side wins. The larger Tie payout is not a measure of how often ties occur. Our whole-credit stakes allow the Banker commission to be recorded exactly to 0.01 credit.
What the round history tells you
The recent-outcome strip records the winning side. The history table adds your selected bet, both final totals and your own financial result. These answer different questions: a Banker outcome can be a losing round for someone who selected Player.
Session net equals total returned minus total staked. The history retains the latest 50 rounds, while session totals cover all completed rounds since the last reset. A short sequence of wins or losses does not establish the long-run return of a game.
The limits of this practice table
Every round starts with a freshly shuffled eight-deck shoe. Cards within the round are drawn without replacement, but no previous round depletes the next shoe. This makes the tool different from a live table that deals several rounds before reshuffling.
The simulator uses one standard commission setup and no side bets. Other tables can use different commission rules, Tie payouts or optional bets. Past outcomes here cannot predict the next round or verify a casino game’s fairness.
House edge on Banker, Player and Tie
The figures below are for a standard eight-deck game in which a winning Banker bet pays even money less a 5% commission, Player pays even money, and Tie pays 8:1. They come from published probabilities, not from this simulator’s short-run results.
- Banker: 0.458597 × 0.95 − 0.446247 = −0.01057985, or about 1.06%.
- Player: 0.446247 − 0.458597 = −0.01235, or about 1.24%.
- Tie at 8:1: 0.095156 × 8 − (0.458597 + 0.446247) = −0.143596, or about 14.36%.
Source: Wizard of Odds, Baccarat Basics. For even-money roulette edges on European, American and triple-zero wheels, see the Roulette Simulator.
This is a free practice tool that uses virtual credits. It is not a way to make money, and it does not change the odds of any real-money game. If you gamble with real money, set a limit and use your local self-exclusion or support services if play stops being fun.