Baccarat Banque

Baccarat Banque is one of the more popular versions of Baccarat found in European casinos today, and the major difference with this variant of the casino card game is that the banker is a far more permanent position than in the other versions of the game like Punto Banco and Chemin de Fer.Baccarat

The Role of the Banker

In many instances the Banker is actually a casino employee, and consequently bets are much larger than they would be should another player take over the position of Banker. In other forms of the game the Banker holds office until all three decks of cards, designated for the game, have been shuffled and dealt. The Banker may retire or he may be forced out due to lack of funds.

Should the Banker not belong to the house, the bank is put up for auction and is taken over by the player who is willing to risk the highest amount. The Banker, once chosen, will take his place midway at the table, facing the croupier. The position of the Banker is of paramount importance as the players to his right will bet on the cards that he deals to the player on his immediate right, whilst the players on his left will place their stakes according to the cards dealt to the player on his immediate left. A full table of Baccarat Banque generally holds 10 punters.

The cards are inspected and the rules of draw for the third card are exactly the same as in Chemin de Fer.

The Rules pertaining to the Banker

  • Any Banker will continue to hold the cards as long as they are on a winning streak, but should he lose, the cards are dealt by the player following him in rotation. Any player may ‘go bank’ and may choose to go bank on either a single hand, or a ‘cheval’ or two hands separately – the stakes will be halved and played on each hand.
  • The Banker has to play out at least one hand, but thereafter he may choose to retire. He has to make public how much he is retiring with. Any other player, according to the rotation, may bank, but they have to start with exactly the same amount in the bank as the previous Banker.
  • Should the stakes of the punters, or other players at the table, be more than what is in the bank, the Banker is not responsible for the outstanding amount. If the Banker loses, the croupier will simply pay out the punters in order of rotation, and only as far as the existing funds in the bank will allow. The Banker may opt, however, to accept the stakes and to personally put up the extra or outstanding funds to meet the bets. Should this occur then the bank will become unlimited, and the Banker must hold all stakes offered on any succeeding hand, or withdraw from the position as Banker.