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Chemin de fer is a version which first appeared in the late 19th century. Its name, which is the French term for railway , comes from the version being quicker than the original game,  the railway being at that time the fastest means of transport.
It is still the most popular version in France. Six decks of cards are used, shuffled together. Players are seated in random order, typically around an oval table; discarded cards go to the center.
Play begins to the right of the croupier and continues counterclockwise. Once play begins, one player is designated as the banker; this player also deals.
The other players are "punters". The position of banker passes counterclockwise in the course of the game. In each round, the banker wagers the amount he wants to risk.
The other players, in order, then declare whether they will "go bank", playing against the entire current bank with a matching wager. Only one player may "go bank".
If no one "goes bank", players make their wagers in order. If the total wagers from the players are less than the bank, observing bystanders may also wager up to the amount of the bank.
If the total wagers from the players are greater than the bank, the banker may choose to increase the bank to match; if he does not, the excess wagers are removed in reverse play order.
The banker deals four cards face down: two to himself and two held in common by the remaining players. The player with the highest individual wager or first in play order if tied for highest wager is selected to represent the group of non-banker players.
The banker and player both look at their cards; if either has an eight or a nine, this is immediately announced and the hands are turned face-up and compared.
If neither hand is an eight or nine, the player has a choice to accept or refuse a third card; if accepted, it is dealt face-up.
Traditional practice — grounded in mathematics, similar to basic strategy in blackjack, but further enforced via social sanctions by the other individuals whose money is at stake — dictates that one always accept a card if one's hand totals between 0 and 4, inclusive, and always refuse a card if one's hand totals 6 or 7.
After the player makes his decision, the banker, in turn, decides either to accept or to refuse another card.
Once both the banker and the representative player have made their decision, the hands are turned face-up and compared.
If the player's hand exceeds the banker's hand when they are compared, each wagering player receives back their wager and a matching amount from the bank, and the position of banker passes to the next player in order.
If the banker's hand exceeds the player's hand, all wagers are forfeit and placed into the bank, and the banker position does not change.
If there is a tie, wagers remain as they are for the next hand. If the banker wishes to withdraw, the new banker is the first player in order willing to stake an amount equal to the current bank total.
If no one is willing to stake this amount, the new banker is instead the next player in order, and the bank resets to whatever that player wishes to stake.
Many games have a set minimum bank or wager amount. In Baccarat Banque the position of banker is much more permanent compared to Chemin de fer.
The shoe contains three inter-shuffled decks. The banker, unless he retires either of his own free will or by reason of the exhaustion of his finances, holds office until all these cards have been dealt.
The bank is at the outset put up to auction, i. In some circles, the person who has first set down his name on the list of players has the right to hold the first bank, risking such amount as he may think proper.
The right to begin having been ascertained, the banker takes his place midway down one of the sides of an oval table, the croupier facing him, with the discard area between.
On either side of the banker are the punters ten such constituting a full table. Any other persons desiring to take part remain standing, and can only play in the event of the amount in the bank for the time being not being covered by the seated players.
The croupier, having shuffled the cards, hands them for the same purpose to the players to the right and left of him, the banker being entitled to shuffle them last, and to select the person by whom they shall be cut.
Each punter having made his stake, the banker deals three cards, the first to the player on his right, the second to the player on his left, and the third to himself; then three more in like manner.
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There is also a Tie bet on both hands resulting in the same value. Once all bets are placed, the dealer will deal two cards to the Player and Banker sides of the table.
The cards are then added up in the following manner. A hand may only reach a highest possible total of 9.
For example, if the hand value is 13, 10 is subtracted and the hand value becomes 3. The player dealing will deal out two cards and pass them to the table banker, usually a casino representative who is in charge of the chips.
The first hand dealt is usually the Player hand and the second hand is usually the Banker hand. Sometimes, when the shoe is shuffled, the first card turned over will reveal how many cards the dealer should "burn" toss away in between deals for each hand.
So, if the first card over is the 2 of Hearts, the dealer will burn two cards between each hand until the shoe is reshuffled. Learn how the cards are scored.
Basically, the card values are added together to result in a score for each hand between 0 and 9. Suit is ignored.
Face cards are each worth 10, Aces are worth 1, and all cards are worth their face value. When the cards are added together, the digits in the tens places are dropped, making the ones place digit the score.
In other words, face cards are essentially worth zero. Since the sum of the cards is 12, the value of the hand 2. It's impossible to "bust" or go over in Baccarat, like in Blackjack, though hits are guided by a particular set of rules.
Understand how hits work for the Player. A third card will be drawn for the Player hand and the Banker hand under the following conditions: If either hand reads 8 or 9, both hands must stand.
This rule overrides any other guidelines for hits. If the Player hand reads 5 or less, the Player takes a hit.
The Player card will be hit first in the rotation. Learn when the Banker takes a hit. If the Player stands because the hand reads 6 or higher , the Banker takes a hit on hands that read 5 or less.
If the Player hits, it depends on the value of the Player's hit card and the Banker's score. At most casinos, the Banker at the table will call for extra cards according to these rules.
Much like roulette, the only decision you've got to make in a game of Baccarat is whether or not you bet on the Banker or the Player, then the cards are controlled by the dealer and the table banker.
It's good to know these rules, but not essential to play. Part 2 of Learn the odds. Playing Baccarat is a lot like a super-sophisticated and classy version of betting on coin tosses.
You're betting blind, essentially, deciding to put a sum of money on either the Banker hand or the Player hand before the cards have been dealt.
It's part of what makes the game exciting, dramatic, and unpredictable. You can't really sway the cards with strategy, which makes the game popular among high-rollers.
Practically-speaking, the odds favor the house but only slightly in an 8-deck shoe: 1. Keep track of your wins. Often, casinos will provide players with a scorecard to keep track of their wins on particular hands.
Since the game exists over many hands, learning to develop a strategy of betting and alternate between a pattern and breaking your own pattern is a good way to win money in the long haul.
The total of the hand, regardless if it consist of two or three card, determined by summing up the values of the cards in the hand.
When the total of the hand is 10 or more, 10 must be subtracted. The remaining total is the card count.