The chart turns baccarat into a fixed sequence
In the common version of baccarat, often called punto banco, the “player” and “banker” are two sides of the game—not people making strategic decisions. The dealer gives each side two cards, and the total is calculated using only the last digit: for example, 15 counts as 5. Aces count as 1; tens and face cards count as zero.
A total of 8 or 9 is a “natural,” and usually ends the drawing. Otherwise, the player hand follows a simple rule: it draws on 0–5 and stands on 6–7. The banker’s decision comes afterward, using both its own total and, in some cases, the value of the player’s third card.
The banker’s rule depends on what the player drew
If the player stands, the banker draws on 0–5 and stands on 6–7. If the player draws, the banker’s chart is more specific:
- On 0–2, the banker draws.
- On 3, it draws unless the player’s third card is an 8.
- On 4, it draws if that card is 2–7; on 5, if it is 4–7; and on 6, if it is 6 or 7.
- On 7, it stands.
These conditional steps are why the banker rule can look complicated even though no one chooses a move. The dealer simply follows the chart, and the hand ends when its rules say both sides are done. Players may bet on which side will finish closer to 9, but they cannot alter the deal by deciding to take another card.
