Baccarat Chemin de Fer Rules and Strategy
by Mckayla on Friday, February 6th, 2026
Punto Banco Principles
Baccarat banque is wagered on with eight decks in a shoe. Cards under ten are counted at their printed value while 10, J, Q, K are zero, and Ace is one. Bets are made on the ‘bank’, the ‘player’, or for a tie (these are not actual people; they just represent the two hands to be dealt).
Two cards are dealt to both the ‘house’ and ‘gambler’. The score for every hand is the total of the cards, although the 1st digit is discarded. For example, a hand of 5 and 6 has a score of 1 (five plus six = eleven; dump the initial ‘one’).
A 3rd card will be dealt depending on the rules below:
- If the gambler or house has a score of 8 or nine, the two players stand.
- If the gambler has less than 5, she takes a card. Players otherwise hold.
- If the gambler holds, the house hits on 5 or lower. If the player takes a card, a chart is used to see if the bank holds or takes a card.
Baccarat Chemin de Fer Odds
The higher of the two scores wins. Winning bets on the bank pay out 19:20 (even money less a five percent rake. The Rake is recorded and paid off once you depart the table so make sure you still have funds remaining before you leave). Winning wagers on the gambler pays 1 to 1. Winning bets for a tie usually pays 8:1 but sometimes 9 to 1. (This is a awful bet as a tie occurs lower than one in every 10 rounds. Be cautious of betting on a tie. Although odds are astonishingly greater for 9 to 1 versus eight to one)
Played correctly punto banco offers fairly decent odds, aside from the tie bet of course.
Punto Banco Method
As with all games baccarat chemin de fer has a handful of familiar misunderstandings. One of which is the same as a absurdity in roulette. The past isn’t a fore-teller of events about to happen. Keeping score of past outcomes on a sheet of paper is a poor use of paper and an insult to the tree that gave its life for our stationary needs.
The most established and definitely the most accomplished plan is the one-three-two-six plan. This technique is deployed to build up earnings and limit risk.
Start by placing one chip. If you win, add another to the 2 on the game table for a grand total of three chips on the second bet. If you win you will hold six on the table, remove four so you are left with 2 on the 3rd wager. If you win the third round, put down two on the 4 on the table for a total of 6 on the fourth bet.
If you lose on the first round, you take a hit of one. A profit on the 1st round followed by a loss on the second creates a loss of 2. Success on the initial 2 with a defeat on the third provides you with a profit of two. And success on the first 3 with a loss on the fourth means you experience no loss. Winning all 4 rounds leaves you with 12, a gain of ten. This means you are able to lose the 2nd round 5 instances for each successful run of 4 wagers and in the end, balance the books.
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