Notes

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In contrast to Punto Banco described above, both the banker and the player have some limited choice of whether to draw a third card to their hand. Chemin de Fer also features a more complex betting process, where the bank can pass from one player to another, and the other players take turns to place bets up to the total staked by the bank. Chemin de Fer proceeds much more slowly than Punto Banco, as players may take time deciding on their bets and whether to draw or stand. This is probably why the simpler game has superseded it in many places.
Traditionally, on each side of the table the players take turns to be the active player. If the active player wins the coup, the same player continues to play for that side of the table in the next coup. If the player loses, the turn to play the hand passes to the next player on that side in counter-clockwise rotation. If the banker wins, the banker collects all the players’ stakes, less the casino’s commission, adds this money to the bank, and may continue banking. Baccarat uses a number of standard 52-card decks shuffled together.
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A banker who does not wish to continue can retire, keeping all winnings and reclaiming any money being held on behalf of the banker by the croupier. In this case another player may take over the bank provided that they are willing to stake at least as much money as the retiring banker would have had to stake. The opportunity to take over is first offered to the player to the retiring banker’s right, and then to the other players in counter-clockwise rotation until someone accepts.
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The players between them bet the whole €1000 and the banker wins the coup. The casino takes its €50 commission (5%) so the banker now has €1950 and in order to continue as banker must stake this whole amount. In the second coup the bets total only €1600, so the croupier saves the remaining €350 for player A. The bank wins again, and the casino takes its €80 commission and A’s next bank must be at least €3120.
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The bank is the only potentially profitable position, and this profit will normally be negated by the commission charged by the casino. This is, so far as we know, the original 19th century form of Baccarat. Please note however that the name “Baccarat Banque” may in some places now be used to refer to Punto Banco, so the name Baccarat à Deux Tableaux is more unambiguous. After all the players have had a turn to bet, if the total amount of their bets does not cover the bank, spectators may also be allowed to place bets until the total of reaches the bank value. If the total of the bets is still less than the value of the bank, the croupier removes the difference from the bank and keeps it on behalf of the banker. In order to start the game, usually at least 6 players have to be seated and willing to play.

In the next coup the banker must stake the entire amount that was covered by the player bets in the previous coup, plus any winnings. Once the banker has put up a stake, the other players place their bets. If any player wishes to bet the entire value of the bank against the banker, they call ‘banco’.
Will usually post within 2 business days of receiving cleared payment. The banker deals one first card face down to the active player, then one to the banker, then a second card to the active player and a second card to the banker. Offline casinos around the world offer a wide variety of side bets which vary from place to place. There are far too many of these to provide a comprehensive list in this article. If the Player hand stands the Banker hand will draw another card if it has a value of 5 or less. If the Player or the Banker receive an 8 or a 9 then both hands stand.
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