First Person Baccarat

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 Information

    The aim of this game is to correctly guess if your hand or the banker's hand is closest to a nine. 

    You can place bets on you having the winning hand, the banker having the winning hand or a tie.

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

    How to Play

    To start, place your bet.

    Once the betting time has expired, both you and the banker will be dealt two cards. 

    The Third Card Rule (see below) will then determine if a third card is to be dealt - hands can have a maximum of three cards in First Person Baccarat.

    • If the value of your hand 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 your hand and the banker's hand is equal, the game ends in a tie and all bets will become void - unless you placed a tie bet


    Third Card Rule

    If the sum total of your initial two cards equal:

    • 0 to 5 - your hand must draw
    • 6 to 7 - your hand must stand
    • 8 to 9 - this is called "Natural", meaning both hands must stand

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

    • 0 to 2 - the banker's hand must draw
    • 3 to 6 - the third card dealt to your hand determines whether the banker must draw or stand
    • 7 - the banker's hand must stand
    • 8-9 - "Natural" - 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 your hand stands on two cards (i.e. it equals a six or seven), 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.