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Game Rules


Also Known as Punto Banco!Including BankerPair and PlayerPair

The main goal of playing online baccarat is to obtain a score of 9, or closer to 9 than the dealer. You can bet on the dealer’s hand or your own, with side bets available for pairs. This is a traditional casino game, popular also with players of online blackjack, roulette and poker.

Placing a Bet:

  • Select a chip from by clicking on it with your cursor.
  • Click again on one of the betting options to place the chip as a bet.
  • Press Clear Bets if you wish to remove all chips and start again.
  • Click Deal when you have placed your bets to start the game.

Note: You can bet multiple chips of the same or different values. However, you must stay within the minimum and maximum betting limits shown on the top of the screen.

How to Play:

The aim of the main game is to beat the dealer’s score by getting a hand as close to 9 as possible. You and the dealer will receive two cards initially.

  • Aces are scored as 1.
  • 2-9 are scored at face value.
  • 10, J, Q and K are scored as 0.

Scores are calculated with the final digit of the total of your cards. For example, a hand consisting of a King (0) and a 9 would have a score of 9. A hand consisting of a 6 and an 8 would have a final score of 4, i.e. the ‘4’ from 14.

A third card may be drawn under certain conditions (explained in a later section). In this case, the score is based on the final digit of the sum of all three cards. For example, a hand consisting of 10 (0), Queen (0) and an 8 would have a score of 8.

Betting Options:

The main betting options in baccarat allow you to bet on your hand (Player), the dealer’s hand (Banker) or a Tie hand.  Place a chip on the part of the betting table relevant to your bet. A winning bet will pay as per the Paytable.

  • A winning Player Bet pays evens.
  • A winning Banker Bet pays evens (minus 5% commission).
  • A winning Tie Bet pays 8-1.

Concluding the game:

When the scores have been declared, winning bets will be paid into your balance. You will be offered the following options:

  • New Game = start a new game from scratch.
  • Rebet = start a new game and automatically place the same bets as the previous round.
  • Rebet and Deal = place the same bets as the previous round and immediately deal the cards.

Side Bets:

There are six different side bets that can be made in Baccarat. These are judged independently from the main game:

Side Bet:

Bet on:



The total number of cards drawn is 5 or 6.

0.54 to 1. A £5 bet would return £7.70.


The total number of cards drawn is 4.

1.5 to 1. A £5 bet would return £12.50.

Player Pair

The first two cards drawn to the player hand are a pair. For example, any two 7s.

11 to 1. A £5 bet would return £60.

Perfect Pair

The first two cards drawn to either the banker or player are a suited pair. For example, 2 x King of Diamonds.

25 to 1. A £5 bet would return £130.

Banker Pair

The first two cards drawn to the banker are a pair.

11 to 1. A £5 bet would return £60.

Either Pair

Either the player or the banker draws a pair in the first two cards.

5 to 1. A £5 bet would return £30.

Please note: You can play side bets without making a bet in the main game.

Third card rules:

Baccarat is played with fixed rules for drawing a third card. You or the dealer will draw a third card as per the stipulations in the tables below:


Point Value of Player’s first two cards:

Draw another card:






If the player stands, the dealer will hit on 5 or less. If the player hits, the dealer will draw again based on these rules:

Point Value of Dealer’s first two cards:

Draws another card if Player’s hand totals:

Does not drawn another card if Player’s hand totals:





0-7 & 9




0,1, 8 or 9



0-3 or 8-9



0-5 or 8-9




Please note: if either Player or Banker score total 8 or 9, they will both stand. This rule supersedes all other rules.

Return to Player:

The theoretical RTP (Return to Player) for Baccarat at William Hill Casino is 98.76%.


The following buttons appear on screen and are used to play Baccarat online:

Deal – deals the cards/starts the games.

Clear Bets – removes all chips from the betting table.

New Game – starts a new game after a round has finished.

Rebet – places the same bets as the previous round.

Rebet and Deal – places the same bets as the previous round and deals the cards.

Shortcut Keys:

It is possible to play baccarat using your computer keyboard:

Tab – moves across and highlights the buttons on screen.

Enter – selects the button that is currently highlighted (works like clicking on it).

Spacebar – starts a new round. Click again to Rebet.

Number Keys – selects chips. Each number will correspond to a different chip. The amount of active number keys depends on your betting (VIP) level.

Esc – ends the current session and returns to the casino lobby.

Casino Toolbar:

General tools and displays are found on the upper and lower edges of the screen. Descriptions are provided below:

Game Balance – shows the current balance in your William Hill Casino account.

Cashier – click to launch the main banking menu. The Cashier can be used to make deposits and withdrawals, or to view your transaction history.

Play for Real Money – press to play Baccarat online for real money. This is only applicable if you are not already playing a real money game.

Menu – click the tools icon to access these further options:

  • History = see the results of previous rounds.
  • Options = adjust general settings, including graphics, sounds and speeds.
  • Help = launch this rules guide.
  • Online Support = chat to online customer service.

Close – press to end the current game session and go back to the casino lobby.

Quick Deposit – add funds to your account using your preferred deposit methods. A list of quick deposit options can appear in a pop up window (once only each session) if your balance runs low.

Gadget Bar – choose a gadget (if at least one is enabled) from the menu on the right-hand side of the screen. Gadgets can include mini casino games, which can be played at the same time as Baccarat. You may also find info on casino bonuses and promotions from William Hill.

Note on Disconnections:

The round will be completed if you lose internet connection when playing Baccarat. You can view the outcome by accessing the History Tool when you log into the casino again. In all cases, winnings will still be paid into your balance.

Note on Malfunctions:

A malfunction during a game voids all bets.