First Person Baccarat

Play First Person Baccarat for a new take on popular Baccarat casino games.

    First Person Baccarat Game Overview

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

    Game Objectives

    With First Person Baccarat, the goal is to correctly guess whether the total of your hand or the banker's is closest to nine.

    You can bet on yourself having the winning hand, the banker having the winning hand or there being a tie.

    How to Play

    First Person Baccarat is played using eight standard 52-card decks.

    Place your bet to start.

    Once the betting time has expired, the game will start with both you and the banker being dealt two cards.

    To determine whether a third card should be dealt, the Third Card Rule will be employed:

    • If the value of either yours or the banker's hand equals an eight or nine (a "natural"), no more cards will be dealt
    • If the value of either hand is between zero and seven, the hands will draw
    • If the value of both hands is equal, the game will end in a tie and all bets will become void (this will not be the case if you placed a tie bet, however)


    Third Card Rule

    If total of your initial two cards is equal to:

    • 0 to 5 - your hand must draw
    • 6 to 7 - your hand must stand
    • 8 to 9 - both hands must stand

    If the total of the banker's initial two cards is equal to:

    • 0 to 2 - the banker's hand must draw
    • 3 to 6 - the third card dealt to your hand will determine whether the banker must draw or stand
    • 7 - the banker's hand must stand
    • 8-9 - both hands must stand

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

    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, 7 1, 2, 3, 4, 5, 8, 9, 0
    7Banker's hand must standBanker's hand must stand
    8, 9 (Natural)Banker stands naturalBanker stands

    If the total of your hand equals six or seven, it stands on two cards. 

    When this occurs, the banker must draw if his two cards equal three, four or five.

    A banker hand equal to six is required to stand.  


    Return to Player (RTP) 

    The optimal theoretical payout percentage for Baccarat is: 98.94%.

    The optimal theoretical payout percentage for Pairs is: 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.