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Baccarat Banque

Baccarat Banque

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The game of Baccarat Banque is a little different than North American baccarat. In this game the banker can continue with a particular bank as long as he is winning. As soon as the banker loses a hand then it is another players’ turn at banking. Generally, three decks of cards are used. However, it is not uncommon to find two or four decks being used. Once the cards are shuffled the banker takes control and usually stays in place until he retires on his own or because he no longer has any money to keep him in the game.

At the beginning, the bank is put on auction, meaning that it will belong to the player willing to risk the most. When it is time to begin the banker will position himself in front of the croupier with the basket in the middle. Punters are located on either side and a full table consists of 10.

Once the cards are shuffled by the croupier they are handed to the banker who may have the lasts shuffle. The banker may also determine who cuts the cards. After each  punter has bet the dealer deals three cards to each player beginning with the player on his right. The rules for how to play depending on score is the same as with Baccarat chemin de Fer.

The punter can hold the cards on his side as long as he is winning. When he loses, the next hand that is dealt will begin with the player after him in the rotation.

Players may “go bank” and the first claim belongs to the punter on the banker’s immediate right. Then, to the player on the left.
A player may choose to go bank on a single hand or a cheval, which is two different hands. A player that goes bank and loses may choose to go bank again. If another loss is incurred the player may go bank one final time, but no more after the third time.

Players interested in taking over the bank must play one hand, but after this may choose to retire. When he retires he must say how much money he is retiring with.

When the bank breaks the banker may still continue however only with the agreement that the funds are available to replenish it.

If the punters exceed the bank amount the banker does not have to take responsibility for the excess amount. If he loses, the croupier will pay the punters according to rotation as far out as the money in the bank will go. After this, there is no claim.

Each casino may have their own special rules that relate to their version of baccarat. They are likely to be confusing if you have never played that way before. However, with a little bit of practice and patience you will likely enjoy baccarat or one of its variations considerably.

The Baccarat Banque table layout is like double baccarat. On the right side of the table it numbers one to six around the curve of the table and then from the same side numbers seven to 12. This form of the game of baccarat is from the oldest European version.

There are several things about baccarat banque that are important to keep in mind. They include the following:

A. The players playing the banker does not change as frequently and it is more likely that the casino will act as the banker throughout the whole game.

B. There are two non bank hands dealt and one bank hand dealt.

C. It is only possible to make bets against the bank.


Only three standard decks of cards are used.


The bank is either held by the casino or concessionaires permanently or as outlined below:

  1. An auction for the bank takes place and the highest bidder wins and pays 2.5% of his bet to the casino.
  2. The banker holds the bank until he loses it all, not just the hand, or chooses to pass.
  3. Money from the bank may not be withdrawn from the banker. However, money in the bank not bet is not at stake.
  4. The bank is auctioned when it is passed or lost. The winning bidder pays the casino 2.5%.

Betting and Play

The betting and play are a little bit different than chemin de fer. The following examples show the differences:

  • Three hands are dealt by the banker. He deals one to his right, then one to his left, and finally one to himself.
  • Bets may be placed on either the left or right hand for bets against the bank. They may also be placed on both hands. When a bet is placed on both hands it is called “a cheval” and this simply means on horseback.
  • The player sitting to the banker’s right has priority to bet on the right hand. This is the same for the player that is on the left of the banker with the left hand. Most of the time it is allowed to call “banco” although this is not always the case.
  • The players play the hands on the right sides of the table. This means that the player on the right must play first, always. When the deal is first made the players on the banker’s left and right sides play first. The player will then continue playing until he loses. Once he has lost the right to play that hand passes on to the next player.
  • The same staying and drawing rules govern this game as chemin de fer. On any hand the banker may stay or draw and will always focus on beating the hand that has the highest bet.
  • When a player bets a cheval then they will only lose in the case that the banker wins both hands. If the banker loses both hands then that is the only way to win. If not, bets will be returned.

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