There are multiple variants of baccarat available in brick-and-mortar and online casinos, but the most notable ones are Chemin de Fer, Punto Banco, and Mini Baccarat.
Punto Banco
Also called American Baccarat, Punto Banco is the version of baccarat that we have been discussing in the above examples. It’s popularly played in casinos in Macau, Australia, North America, and other places, including gambling sites.
As stated earlier, you can place a bet on the Bank hand, Player hand, or a tie. What makes Punto Banco stand out includes the following characteristics:
● Both the Bank and Player hands are executed according to fixed house rules.
● The house always banks the game.
● A 5 percent commission is charged on all winning Banker bets.
In other words, the decision when a third card should be drawn rests upon the casino and not the Player. That’s the defining characteristic of Punto Banco.
Chemin de Fer
Interestingly, the phrase “Chemin de Fer” is French for “the railway” or “railroad.” This is a version of baccarat that is most played in French casinos.
Also called chemmy, Chemin de Fer’s rules are almost the same as Punto Banco. There are only two differences.
● Players have the option of becoming the Banker, so they can be in charge of the Bank’s hand.
● Players can have a say on whether the Player hand or the Banker should draw a 3rd card.
Usually, 6 standard 52-card decks are shuffled together. After that, one player is chosen to be Banker, with the option of all players taking turns being a Banker.
The designated Banker will decide how much he’s willing to bet, and then all players take turns mentioning the amount of money they are willing to wager. The bettor with the highest bet will be designated the Player.
One player may level up with the Banker on the amount, and declare “banco,” which means all other players except the two will be excluded from the round.
The croupier will deal two facedown cards each to the Banker’s hand and the Player hand. The two respective players will look at the cards in their hands.
● If either of the hands has an 8 or 9, the hand wins and the round is over.
● If both hands are not an 8 or 9, the bettor responsible for the Player Hand will choose whether to stand or draw a third card.
Once the Player hand is complete, the Banker will decide whether to stand or draw a third card. After the Bank decision has been made, both the Player and the Banker will turn over their cards to check who the winner is.
In the game of Chemin de Fer, the Player typically stands on 6 and 7, draw on 2, 3 and 4; and either stand or draw on 5.
Because the players have a big say in the direction of the game, using betting systems like Martingale, Poli, Fibonacci, etc. can be very tricky.
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