The player’s objective is to get a hand that is closer to 9 in value than the banker’s. The game is played modulo 10, that is if the total of the hand is greater than 10, then 10 is subtracted from
the total. (Thus the value of a hand is always between 0 through 9)
For example, if the players cards total 15, 10 is subtracted and the value of the hand becomes 5. An ace counts as 1, two counts as
2, etc. , up through nine counts as 9, but tens (also jacks, queens and kings) count as 0.
To start a hand both player and banker are dealt two cards face down and the next move depends on the cards in the hands.
If the player or banker has a two card total of 8 or 9, he/she turns the cards over immediately. The other must do so also. (In online baccarat cards are always face up) A 9 value wins over
any lesser total, and if neither player has a 9 then 8 wins over any lesser total. Tied 9s or tied 8s are a stand off; no money changes hands. (unless ties can be bet on)
If neither the player or the banker has a natural (a total of 8 or 9) then play goes to the player. The player stands on a total of 6 or 7, but if the player has a total of 5 or less he/she must draw
one card (face up)
Now it is the bankers turn. With a total of 7, he stands. With a total of 6 or less, his selection depends on the value of his two card total and the value of the card that the player