First Person Baccarat

First Person Baccarat

Pull up a seat at our First Person Baccarat table and guess which hand will be closest to nine!


    First Person Baccarat Game Overview

    The aim of First Person Baccarat is to accurately predict whether the Banker or Player's hand will be closest to a total of nine.

    Before each deal, place a bet on which hand will be closest - you may also choose to wager on a tie.

    Eight standard 52-card decks are used in this game.


    How to Play

    After the betting time expires, the player and banker are dealt two cards each.

    The Third Card Rule will determine if a third card will then be dealt.

    The maximum number of cards per hand is three.

    If the player's and banker's hands both equal the same total, a tie is declared and any bets other than tie bets are voided for that game.

    If, after receiving the first two cards, either hand has a value of eight or nine, no more cards shall be dealt to either hand.

    Hands will draw in accordance with the Third Card Rule if either hand equals zero to seven. 


    Third Card Rule

    If the player's two cards total:

    • 0-5 - player's hand must draw
    • 6-7 - player's hand must stand
    • 8-9 - "Natural" (Both hands stand)

     If the banker's two cards total:

    • 0-2 - banker's hand must draw
    • 3-6 - the third card dealt to the player's hand determines draw or stand
    • 7 - banker's hand must stand
    • 8-9 - "Natural" (Both hands stand)

    When the banker's third card decision depends on the third card drawn by the player, the following rules apply: 

    Banker's HandBanker Draws When Player's First Card Is:Banker Does Not Draw When Player's Hand is:
    31-2-3-4-5-6-7-9-08
    42-3-4-5-6-71-8-9-0
    54-5-6-71-2-3-8-9-0
    66-71-2-3-4-5-8-9-0
    7Banker's hand must standBanker's hand must stand
    8-9 NaturalBanker stands naturalBanker stands

    If the player's hand stands on two cards (6,7), then a two-card banker hand equal to three, four or five must draw.

    A banker hand equal to six must stand. 


    Return to Player (RTP)

    The optimal theoretical payout percentage is:  

    • Baccarat – 98.94%
    • Pairs – 89.64%