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Baccarat Variations

Baccarat has a few variations, on this page we look at the differences between the most popular versions of baccarat.

European baccarat, baccarat en banque and chemin de fer  all originate from the Italian game baccarat which means zero referring to the value of the tens and face cards. When baccarat made its way into France it became an exclusive game of the French nobility who where known not to frequent public casinos.

European Baccarat

The dealer operates as the bank for the casino and the banks standing and drawing are completely optional.  The player on the other hand may stand or draw on five as he pleases.  The rules of play is similar to that of American baccarat.  The casinos charge a 5% commission on all winning bank bets.

Baccarat en Banque

This variation allows for two player hands and a bank hand, a casino employee.  Players are allowed to bet on either player hand but never on the bank hand.  The banker can stand or draw as he pleases.  The banker usually plays according to the American variation of the game but he can change this method of play if it betters his chance of winning.

Chemin de Fer

Chemin de Fer is French for railroad which also refers to the shoe moving from player to player around the table like a train.  The difference between is that the bank rotates amongst the players.  The bank takes a commission from the winnings of each banker.  The acting banker cannot draw down on any of his original bank or subsequent winnings unless either the players do not subscribe to the bank or after the completion of the bank the banker chooses to pass the bank.  Players can stand or draw on 5 but the bankers play is completely optional.

American Baccarat

The modern version of Baccarat played in casinos in the US is a combination of two variation of the game, European Baccarat and chemin de fer.  The American version combines the best features of the afore mentioned Baccarat variations.  This variation originated in South America under the name punto banco, Tommy Renzoni introduced it into the United States in the late 1950s after the Castro government closed all the casinos in Cuba.  The American version is not only played in the Americas but all over the world.

In the American variation all players can bet on the banker or player hand, the shoe rotates amongst the players who take turns playing the banker hand, all wagers are covered by the casino and the bank is relatively unlimited (usually subject to a maximum bet size).

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