European Baccarat

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European Baccarat lies somewhere between Chemin De Fer and American Baccarat on the evolutionary scale and retains a couple characteristics from each Baccarat variation. This version of Baccarat evolved in the United Kingdom from an earlier version of Baccarat called Chemin De Fer.

In Chemin De Fer, the casino has no involvement in the wagering of the game. The house provides a Croupier (dealer), table and chairs. For this service, the casino takes a 5% commission on all of the Banker’s winnings. The player acting as the Banker determines the highest bet permissible by setting posting the bank.European Baccarat

In European Baccarat, however, the casino acts as the Bank and establishes the highest amount that can be wagered at the table. The players can place wagers up to that amount. When the maximum is reached, no more bets are allowed. For example, if the casino posted a $2,000 bank and the first and second players both bet $1,000, no other player would be allowed to bet that round. A player can also call “Banco” and bet the entire amount of the bank. If that happens, no one else is allowed to bet.

In addition, players of Chemin De Fer must either be the Banker or a Player. However in European Baccarat, players are allowed to bet on Player or Banker as they see fit. If a player chooses to bet with the Banker and wins, that player is still charged a commission on their winnings (usually 5%).

While the game play of European Baccarat resembles Chemin De Fer, the drawing rules foreshadow the start of American Baccarat. The drawing rules for the Player remain the same as they are in Chemin De Fer:

  1. Player must draw a card with a score of 4 or less.
  2. Player must stand with a score of 6 or 7.
  3. A score of 8 or 9 is a natural and stops the game.
  4. Play may choose whether or not to draw a card with a score of 5.

In theory the Banker (casino) has the option to stand or hit as they see fit, but in practice the casino follows the drawing rules of American Baccarat:

  1. The Banker must draw a card with a score of 2 or less.
  2. If the Banker has a score of 3, the Banker must draw if the Player’s third card is anything other than an 8.
  3. If the Banker has a score of 4, the Banker must draw if the Player’s third card is anything other than a 0, 1, 8 or 9.
  4. If the Banker has a score of 5, the Banker must draw if the Player’s third card is a 4, 5, 6 or 7.
  5. If the Banker has a score of 6, the Banker must draw if the Player’s third card is 6 or 7.
  6. The Banker always stands on 7.
  7. A score of 8 or 9 is considered a natural and stops the game.

European Baccarat shows some features of both Chemin De Fer and American Baccarat. This is the Baccarat variant of choice for players who like the game play of Chemin De Fer, but would prefer to be able to bet with the Banker if they choose.

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