Punto Banco is a type of Baccarat that developed in South America. Today, it is the most commonly offered Baccarat variant in North American casinos.
Punto Banco is normally played using six decks of cards mixed together. The deck used is the standard 52 card deck, without any jokers or other wild cards.
There are two hands in a round of Punto Banco: Punto’s hand and Banco’s hand. You can bet on any of these two hands. You can also bet on a tie between Punto and Banco. This bet is called Egalité. Since a tie is quite unusual in Punto Banco, a winning bet on Egalité pays well.
In Punto Banco, the dealer deals both hands according to strict rules and no player (nor the dealer) is allowed to make any decisions regarding when to stay and when to give a hand another card. Punto Banco is therefore a game of pure chance. There is no element of skill.
Punto Banco is available in most casinos. If you want to play this game online you can do so in almost any casino. The game usually do not count with its full value towards the bonus requirement. It is common that only 10% of the value of your Punto Banco bets counts towards the bonus betting requirement. Sometimes they do not count at all. It is therefor important that you take this into account before you accept any casino bonus.
Point System & Hand Value
If you are familiar with the point system for Baccarat, you will notice that the point system used by Punto Banco is exactly the same.
- Ace 1 point
- King 0 points
- Queen 0 points
- Jack 0 points
- Ten 0 points
- Nine 9 points
- Eight 8 points
- Seven 7 points
- Six 6 points
- Five 5 points
- Four 4 points
- Three 3 points
- Two 2 points
You determine the point value of a Punto Banco hand by adding the point value of the cards.
Example: A hand consisting of a five and a queen is worth 5 points + 0 point = 5 points.
If the point value exceeds nine points, only the digit to the right counts.
Example #1: A hand consists of an eight and a five. 8 points + 5 point = 13 points. This hand is worth 3 points.
Example #2: A hand consists of a six and a four. 6 points + 4 points = 10 points. This hand is worth 0 points.
The best possible hand in Punto Banco is a hand worth 9 points. A hand worth 9 points is better than a hand worth 8 points, a hand worth 8 points is better than a hand worth 7 points, and so on.
A round of Punto Banco
- The players make their bets. You can bet on Punto, Banco or Egalité.
- The dealer deals two face up card to Punto and two face up cards to Banco.
- If Punto’s hand is worth 6 points, 7 points, 8 points or 9 points, Punto receives no more cards. If Punto’s hand is worth 5 points or less, Punto gets a third card.
- The rules governing Banco are considerably more complex. Below is a table showing when Banco gets a third card and when Banco stops at two cards. As you can see, Banco always gets a third card if Banco’s starter hand is a 0 point – 3 point hand, and Banco never gets a third card when Banco’s starter hand is a 7 point – 9 point hand. It is only the 4 point – 6 point Banco starter hand that is tricky.
If Banco’s hand is… … then Banco will get a third card IF Punto’s hand is: 0 points 0-9 points 1 point 0-9 points 2 points 0-9 points 3 points 0-9 points 4 points 2-7 points 5 points 4-7 points 6 points 6-7 points PROVIDED that Punto’s hand consists of three cards 7 points Regardless of Punto’s hand, a 7 point Banco hand never gets a third card. 8 points Regardless of Punto’s hand, an 8 point Banco hand never gets a third card. 9 points Regardless of Punto’s hand, a 9 point Banco hand never gets a third card.
- The two hands (Punto and Banco) are compared and a winner is pronounced. The dealer collects all losing bets and pay out on the winning bets.
Paytable for Punto Banco
A lot of casinos use this paytable for Punto Banco, but since each casino is free to use another paytable if they want to it is advisable always check the paytable for the specific Punto Banco table you wish to play at.
|You bet on Punto and Punto wins||You are paid 1:1 on your wager. If you wagered $40,000 you are paid $40,000 and have a total of $80,000.|
|You bet on Banco and Banco wins||You are paid 19:20 on your wager. If you wagered $40,000 you are paid $38,000 and have a total of $78,000.|
|You bet on Egalité and there is a tie between Punto and Banco||You are paid 8:1 on your wager. If you wagered $40,000 you are paid $320,000 and have a total of $360,000.|
You are paid less when you win on Banco then when you win on Punto, because the casino takes a 5% fee from winning Banco hands.