Mini-Baccarat was developed as a floor table game in casinos to accommodate the average player. Along with that however, optional side bets were also introduced to increase the house edge. Before I detail them, I’ll explain how the game is played is played.
The objective of this table game is the same as original Baccarat where player must come as close to the number nine as possible. Aces count as one, two’s through nines are face value, and Tens through Kings count as zero. Regardless of the number of players, the dealer only deals two hands from a 6 or 8 deck shoe. Prior to the deal, players must place one bet on either the Bank hand, player hand, or tie.
When a hand is totaled, it cannot exceed nine. If the two cards total more than nine, the first digit (number one) is dropped. The second digit becomes the total. A few examples are:
7, 8 = 15 (drop 1) total = 5
4, 3 = 7 (two cards, face value)
10, 6 = 6 (10 is zero, 6 is face value)
K, 9 = 9 (King is zero, 9 is called a natural)
Baccarat requires no skill on the part of the player. All s/he needs to do is decide where to place one bet before the deal. The dealer examines both hands and then decides if a third baccarat and final card should be drawn for either hand. The determination is made according to a fixed set of game rules.
A bet on the player’s hand returns even money if won. A bet on the Banker’s hand returns even money minus a 5% commission to the house if won. A tie bet returns 8 to 1 if won, otherwise it is a push when not bet. The reason for the 5% commission on the Bank’s win is that the drawing advantage is with the Bank, according the following game rules:
The player position always draws on a 0, 1, and 2,3,4,5 unless the Banker has a natural 8 or 9. The player always stands on 6, 7, 8, and 9. When a player has a natural 8 or 9, the game is over.
The Banker position always draws on a 0, 1, 2 unless the player has a natural 8 or 9.
The Banker always stands on 7, 8, and 9. When a Banker has a natural 8 or 9, the game is over.
Baccarat Side Bets
There are a number of optional side bets available at Mini Baccarat tables everywhere and like any side wager, all of them exist to increase the house edge. Nevertheless, Players are attracted to them because of the hefty winning payouts. Here are some of the popular ones: