Baccarat rules:

The basics and how to play baccarat

Baccarat or Punto Banco is usually played in a separate casino area. The playing table is about the size of a craps table with three casino dealers and up to 12 or 14 players.

There are just two principal bets to make: banker or player - Banco or Punto, plus the rarely used Standoff. Some casinos let the players deal the cards in turn and others have a casino dealer to deal the cards. In online Baccarat the cards are dealt automatically by a virtual dealer.

Each player, including the player dealing, may bet on either Punto or Banco but it is customary for the dealer to bet on Banco. Players may opt not to deal, passing the 'Shoe' to the next player. The shoe remains with one player as long as the Bank wins. If Punto wins, the shoe passes on to the next player.

Two hands are dealt and you bet which one will win, or that they will tie. It is just like betting on Black or Red at roulette, and the payoff is even money, 1:1 (except for the standoff, which pays 8-1 or 9-1). The only difference between the Banco and Punto bet is a win on Banco will cost you 5% commission or tax levied by the casino - the in-built advantage.

The reason for taxing the Banco is because it has been established that over an 8-deck cards play on average the Banco will win three to four hands more than the Punto.

Each hand consists of a minimum of two and a maximum of three cards. The person dealing will put two cards, face down, tucked under the shoe, and give the player with the largest bet on Punto the other two cards, face down.

The Punto player then looks at the cards and gives them back to the player who is dealing. Then the player who is dealing will turn over the cards of both hands while one of the casino dealers will announce the results and the winner.

If either hand has a total of 8 or 9 (nine is the highest), then it is called a 'Natural' and no more cards are dealt. If it is not a natural, then depending on the value of each hand the casino dealer may instruct the card dealer to deal a third card. The decision when to deal a third card follows precise set rules used by all casinos.

Once dealing is completed, the hand with the highest count wins. The paying casino dealers will collect the losing bets first and then pay the winning ones. The player who actually deals the cards is not responsible for the payouts. He is just like any other player, playing against the casino.

The rules

Baccarat is played from a six-deck or an eight-deck shoe. All face cards and 10s have no value. Cards less than 10 are counted at face value, Aces are worth 1. Suits don't matter. Only single digit values are valid. Any count that reaches a double digit drops the left digit. 15 is counted as 5 and 25 is also counted as 5.

To start, the players bet either on Banco or Punto or Standoff. The card dealer gives two cards each; first to the player and then the banker. The object of the game is to bet on the hand that you think will have the highest total value.

A third card may be dealt to either or both the player (Punto) and the bank (Banco) based on the following three-card-rules. It is not necessary to learn these rules to play, they are compulsory decisions and therefore automatic. Only on rare occasions a mistake is made:

Player's third-card-rule

Bank's third-card-rule

House advantage
Banker (Banco) 1.17%
Player (Punto) 1.36%
Tie (Standoff) 14.12% at 8:1 payout

Rules and how to play Bingo, number calling, and online bingo:

Rules and how to play Blackjack:
 

The basics

The object of the blackjack game is to accumulate cards with point totals as close to 21 without going over 21. Face cards (Jacks, Queens and Kings) are worth 10 points. Aces are worth 1 or 11, whichever is preferable. Other cards are represented by their number.

If player and the House tie, it is a push and no one wins. Ace and 10 (Blackjack) on the first two cards dealt is an automatic player win at 1.5 to 1, unless the house ties. A player may stand at any time.

Playing blackjack

To win you need to beat the dealer without busting. You bust when your cards total to more than 21 and you lose automatically. The winner is whoever has closest to a total of 21. You reach 21 by adding up the values of the cards.

The blackjack table seats about 6 players. Either six or eight decks of cards are used and are shuffled together by the dealer and placed in a card dispensing box called 'Shoe'.

Before receiving any cards players must place a wager. Then the players are dealt two cards face up. The dealer gets one face up, one face down. Each player in turn either stays or takes more cards to try and get closer to 21 without busting. Players who do not bust wait for the dealer's turn. When all the players are done, the dealer turns up the down card. By rule, on counts of 17 or higher the dealer must stay; on counts of 16 or lower the dealer must draw.

If you make a total of 21 with the first two cards (a 10 or a face and an Ace), you win automatically. This is called 'Blackjack'. If you have Blackjack, you will win one and one-half times your bet unless the dealer also has Blackjack, in which case it is a Push or a Tie (or a Stand-off) and you get your bet back.

The remaining players with a higher count than the dealer win an amount equal to their bet. Players with a lower count than the dealer lose their bet. If the dealer busts, all the remaining players win. There are other betting options namely Insurance, Surrender, Double Down, Even Money and Split.

House advantage (approximate, may vary with different rules)
Without basic strategy 7% average.
With basic strategy 0.5% or less.
Card counting can reverse the advantage up to 1% to the player.

Some blackjack variations

Using different number of decks: all other conditions being the same, as a general rule the fewer the decks, the better for the player.

Allowing the dealer to hit a soft 17: a disadvantage to the player. It gives the dealer a chance to improve.

Allowing a double down after splitting pairs: can be advantageous to the player if used wisely.

Allowing re-splitting of Aces: a clear advantage to the player.

No dealer hole card: common on cruise ships, this variation is a disadvantage to the player. The dealer does not deal himself a second card until the players have played and they can lose the doubles and splits.

Las Vegas and Atlantic City variants

Las Vegas blackjack:
Las Vegas games are played with two decks and the House must hit on hands less than soft 17 (17 involving an Ace) and must stand on hands of 17 or greater.

Atlantic City blackjack:
Atlantic City games are played with four decks and the House must hit on 16 and stand all 17's.

 Rules and how to play Craps:

The basics

Craps is one of the most exciting casino games. It is common to hear yelling and shouting at a craps table. It is played on a purpose-built table and two dice are used. The dice are made after very strict standards and are routinely inspected for any damage. As a matter of course, the dice are replaced with new ones after about eight hours of use, and casinos have implemented rules in the way a player handles them.

The player must handle the dice with one hand only when throwing and the dice must hit the walls on the opposite end of the table. In the event that one or both dice are thrown off the table, they must be inspected (usually by the stickman) before putting them back into play.

The craps table can accommodate up to about 20 players, who each get a round of throws or at 'shooting' the dice. If you don't want to throw the dice, you can bet on the thrower. Several types of bets can be made on the table action. The casino crew consist of a stickman, boxman and two dealers.

The first roll of the dice in a betting round is called the Come Out roll - a new game in Craps begins with the Come Out roll. A Come Out roll can be made only when the previous shooter fails to make a winning roll, that is, fails to make the Point or seven out.

A new game then begins with a new shooter. If the current shooter does make his Point, the dice are returned to him and he then begins the new Come Out roll. This is a continuation of that shooter's roll, although technically, the Come Out roll identifies a new game about to begin.

When the shooter fails to make his or her Point, the dice are then offered to the next player for a new Come Out roll and the game continues in the same manner. The new shooter will be the person directly next to the left of the previous shooter - so the game moves in a clockwise fashion around the craps table.

The dice are rolled across the craps table layout. The layout is divided into three areas - two side areas separated by a center one. Each side area is the mirror reflection of the other and contains the following: Pass and Don't Pass line bets, Come and Don't Come bets, Odds bet, Place bets and Field bets. The center area is shared by both side areas and contains the Proposition bets.

Pass bets win when the come out roll is 7 or 11, while pass bets lose when the come out roll is 2, 3, or 12. Don't bets lose when the come out roll is 7 or 11, and don't bets win when the come out roll is 2 or 3. Don't bets tie when the come out roll is 12 (2 in some casinos; the 'Bar' roll on the layout indicates which roll is treated as a tie).

Below is a list of the various bets you can make at craps.

Pass Line Bet - You win if the first roll is a natural (7, 11) and lose if it is craps (2, 3, 12). If a point is rolled (4, 5, 6, 8, 9, 10) it must be repeated before a 7 is thrown in order to win. If 7 is rolled before the point you lose.

Odds on Pass Line Bet - After a point is rolled you can make this additional bet by taking odds. There are different payoffs for each point. A point of 4 or 10 will pay you 2:1; 5 or 9 pays 3:2; 6 or 8 pays 6:5. You only win if the point is rolled again before a 7.

Come Bet - It has the same rules as the Pass Line bet. The difference consists in the fact you can make this bet only after the point on the pass line has been determined. After you place your bet the first dice roll will set the come point. You win if it is a natural (7, 11) and lose if it is craps (2, 3, 12). Other rolls will make you a winner if the come point is repeated before a 7 is rolled. If a 7 is rolled first you lose.

Odds on Come Bet - Exactly the same thing as the Odds on Pass Line bet except you take odds on the Come bet not the Pass Line bet.

Don't Pass Line Bet - This is the reversed Pass Line bet. If the first roll of a dice is a natural (7, 11) you lose and if it is a 2 or a 3 you win. A dice roll of 12 means you have a tie or push with the casino. If the roll is a point (4, 5, 6, 8, 9, 10) a 7 must come out before that point is repeated to make you a winner. If the point is rolled again before the 7 you lose.

Don't Come Bet - The reversed Come Bet. After the come point has been established you win if it is a 2 or 3 and lose for 7 or 11. 12 is a tie and other dice rolls will make you win only if a 7 appears before them on the following throws.

Place Bets - This bet works only after the point has been determined. You can bet on a dice roll of 4, 5, 6, 8, 9 and 10. You win if the number you placed your bet on is rolled before a 7. Otherwise you lose. The Place Bets payoffs are different depending on the number you bet on. 4 or 10 will pay 9:5; 5 or 9 pays 7:5, and 6 or 8 pays 7:6. You can cancel this bet anytime you want to.

Field Bets - These bets are for one dice roll only. If a 2, 3, 4, 9, 10, 11, 12 is rolled you win. A 5, 6, 7 and 8 make you lose. Field Bets have the following different payoffs: 2 pays double (2:1) while 12 pays 3:1. Other winning dice rolls pays even (1:1).

Big Six, Big Eight Bets - Placed at any roll of dice these bets win if a 6 or 8 comes out before a 7 is rolled. Big Six and Big Eight are even bets and are paid at 1:1.

Proposition Bets - These bets can be made at any time and, except for the hardways, they are all one roll bets:

House advantage
2 - 17%

Game rules and how to play Keno:

Rules and how to play Poker:
(See Other for poker variants including Omaha, Hold'em and Let it Ride.)

The Basics

Poker originated in the saloons of the Wild West and has probably the most game variants. It is played player against players and not just against the dealer as in Blackjack, and there is a lot of psychology involved during play.

Poker is played from a standard deck of 52 cards. Some variant games use multiple decks or add Jokers or Wild Cards.

The cards are ranked in descending order starting from the highest; Ace, King, Queen, Jack, 10, 9, 8, 7, 6, 5, 4, 3, 2, Ace. Ace can be high or low. There are four suits; spades, hearts, diamonds and clubs, but no suit is higher than another.

Each player is dealt five cards and is called a hand. The hand highest in ranks wins. In some games there are Wild Cards or Jokers, which can be labelled whatever suit and rank the possessor wishes to.

The Ranking of Poker Hands

The ranking of poker hands based on probability starting from the highest are as follows:

1. Royal Flush
2. Five of a Kind (with a Wild card or Joker)
3. Straight Flush
4. Four of a Kind
5. Full House
6. Flush
7. Straight
8. Three of a Kind
9. Two Pair
10. Pair
11. High Card

Five of a Kind is only possible when using wild cards and is the highest possible hand. If more than one hand has five-of-a-kind, the higher rank wins; e.g. five Aces beat five kings, which beat five queens, and so on.

Straight Flush is the best natural hand. A straight flush consists of five cards in sequence and of the same suit. An Ace high straight-flush is called a Royal Straight Flush or Royal Flush and is the highest natural hand.

Four of a Kind is a hand that contains of four cards of the same rank. The hand with the highest rank of four-of-a-kind beats other four-of-a-kind hands. If there are many wild cards, as used in some game variants, there could be two four-of-a-kind hands with the same rank. In this case, the hand with the higher ranking fifth card wins. This rule applies to hands that tie, such as a pair or two pairs. Dead heats split the pot.

Full House is a hand consisting of three-of-a-kind and a pair. Again, where Wild Cards are used, ties are compared first by the three-of-a-kind ranking, then the pair.

Flush is a hand consisting of cards that are all of the same suit in any order.

Straight is a hand consisting of 5 cards in sequence, such as 5-6-7-8-9. An Ace may either be high (A-K-Q-J-10) or low (A-2-3-4-5).

Three of a Kind is a hand similar to the four-of-a-kind hand, except that if the remaining two cards are a pair, then it becomes a Full House.

Two Pair is a hand that contains two pairs only.

Pair is a hand that contains one pair only.

High Card is a hand that is none of the above and is a weak hand. If no player has a pair or better, then the hand that contains the highest ranking card wins. If multiple players tie with the highest card, then the second highest card decides, followed by the third and so on.

Note on Wild Cards

How the wild card can be used depends on the game you are playing and the rules. A wild card can be defined as a joker or standard card that, by player agreement and/or dealer's choice, can be used to represent any card desired.

When a joker is in play, it usually can only be used as an Ace or to complete a straight or flush. It cannot be used as a true wild card, for example, as a king to make KK75X play as three kings. When playing for low, the joker becomes the lowest rank not already held, so 864AX is played as 8642A, with the joker used as a deuce.

Wild cards add an additional hand, five of a kind, which normally ranks above a straight flush. They can also cause confusion when two players hold the same hand composed of different wild card combinations. The standard rules of poker do not distinguish between such hands, but some players prefer to rank hands using fewer wild cards above less 'natural' versions of the same hand.

Playing Poker

In most games players must 'ante' a nominal amount just to have the cards dealt. Once the cards are dealt, the betting starts. Players bet into the pot in the middle of the table and it is done in turn clockwise.

The player with the highest rank showing, is the first to speak and to bet. He can either bet or check. By saying 'Check', he passes the decision to bet to the next player who can also check. If all players check, then it is the end of the round. Everyone opens his cards and the highest hand wins.

Only after one player places a bet the real betting starts. Each player in turn can either 'Call', 'Raise' or 'Fold'. To fold is to pass or drop out of the round and not play. To call means willing to match the bet, and the same amount must be placed on the pot. To raise means to match the bet and add an extra bet.

Say you start with a $5 bet. If someone else raises $10, he puts $15 in the pot. When your turn comes again you need to add $10 difference to the pot to stay in the game, and if you want you can also raise or even say 'Pot'. Pot is a raise to the maximum, which means to bet the same amount as the total money available in the pot.

If there are no more raises and all the cards have been dealt, then it is the end of the round. Everyone opens his closed cards and the highest hand wins the pot.

Rules and how to play Roulette:

Roulette was first played in France back in the 17th century. It is now one of the most popular European gambling games and Monte Carlo in Monaco is a well known and famous casino center for playing roulette.

The Basics
Players, usually up to eight, play against the house represented by the croupier also called the dealer, who spins the roulette wheel and handles the wagers and payouts. In the European roulette and French roulette version, the wheel has 37 slots representing 36 numbers and one zero. In the USA most roulette wheels have two zeros and therefore 38 slots.

Each player buys-in a different colored chips so their bets don't get mixed up. At the end of play, if you won, you exchange back the colored chips with cash chips. These are special chips with the value amount imprinted on them. There are several denominations in various colors. You then take these chips to the cash desk where they will give you actual cash money in exchange.

To play roulette, you place your bet or bets on numbers (any number including the zero) in the table layout or on the outside, and when everybody at the table had a chance to place their bets, the croupier starts the spin and launches the ball. Just a few moments before the ball is about to drop over the slots, the croupier says 'no more bets'. From that moment no one is allowed to place - or change - their bets until the ball drops on a slot. Only after the croupier places the dolly on the winning number on the roulette table and clears all the losing bets you can then start placing your new bets while the croupier pays the winners. The winners are those bets that are on or around the number that comes up. Also the bets on the outside of the layout win if the winning number is represented.

The house advantage
On a single zero roulette table the house advantage is 2.7%. On a double zero roulette table it is 5.26% (7.9% on the five-number bet, 0-00-1-2-3). The house advantage is gained by paying the winners a chip or two (or a proportion of it) less than what it should have been if there was no advantage. (See Roulette Quiz - The Casino Advantage.)

The 'En Prison' rule
A roulette rule applied to even-money bets only, and by some casinos (not all). When the outcome is zero, some casinos will allow the player to either take back half his/her bet or leave the bet (en prison = in prison) for another roulette spin. In the second case, if the following spin the outcome is again zero, then the whole bet is lost.

The 'La Partage' rule
The la partage roulette rule is similar to the en prison rule, only in this case the player loses half the bet and does not have the option of leaving the bet en prison for another spin. This refers to the 'outside' even-money bets Red/Black, High/Low, Odd/Even and applies when the outcome is zero. Both the La Partage and the En Prison roulette rules essentially cut the casino edge on the 'even-money bets' in half. So a bet on Red on a single-zero roulette table with the la partage rule or the en prison rule has a 1.35% house edge and one on a double-zero roulette table has a house edge of 2.63%.

The payouts
A bet on one number only, called a straight-up bet, pays 35 to 1. (You collect 36. With no house advantage you should collect 37 (38 in the USA on double zero roulette wheels).
A two-number bet, called split bet, pays 17 to 1.
A three-number bet, called street bet, pays 11 to 1.
A four-number bet, called corner bet, pays 8 to 1.
A six-number bet, pays 5 to 1.
A bet on the outside dozen or column, pays 2 to 1.
A bet on the outside even money bets, pays 1 to 1.

Object of the game
To win at roulette the player needs to predict where the ball will land after each spin. This is by no means easy. In fact, luck plays an important part in this game. Some players go with the winning numbers calling them 'hot' numbers and therefore likely to come up more times. Others see which numbers did not come up for some time and bet on them believing that their turn is now due. Some players bet on many numbers to increase their chances of winning at every spin, but this way the payout is considerably reduced. Other methodical players use specific roulette systems or methods, money management systems, or both.

French roulette rules

The French roulette rules are very much like the European roulette rules. It has the same 37 numbered wheel with one zero but a different table layout for the outside bets. See Table layout (Link opens new window).

The player odds in French roulette are the same as in European roulette (only one zero) and better than the odds in American roulette (two zeros). The players loose only 50% of their even-money bets when the outcome is zero, known as the 'La Partage' rule.

The object of the game is still the same - to predict which number out of possible 37 the ball will land on. And of course, they speak French. Below are the English and equivalent French terms for the various roulette bets:

Inside bets

Outside bets

 Rules and how to play Slots and Video Poker:

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