
Learning Baccarat: Punto Banco vs. Chemin De Fer

Key Differences in Baccarat Styles
Punto Banco and Chemin de Fer are two main forms of baccarat, each with its own rules. Punto Banco makes up 80% of casino table money, following set rules for drawing cards, with the casino making all choices after the first deal. 온카스터디
Punto Banco Features
In Punto Banco, the house edge is 1.06% on banker bets and 1.24% on player bets, making it more predictable. Its orderly set-up has won it fans, mainly in North American and Asian casinos.
Chemin de Fer Features
Chemin de Fer, big in European casinos, lets players:
- Choose to draw a third card
- Take turns being the banker
- Make key game moves
- Run the bank
Though odds are close, Chemin de Fer’s added player control means more complex strategy. Its player-run bank lets players get deeper into strategy than Punto Banco’s fixed form.
How the Game Plays
Each style gives a different way to play:
- Punto Banco: Set rules, certain outcomes
- Chemin de Fer: More player choice, strategy moves
- Banking: House vs. player as banker
- Card Drawing: Set rules vs. player choices
Origins and Growth
The Tale of Baccarat
From Italy in the 1400s
Baccarat came from Italy, named baccara by Felix Falguiere, meaning zero to show the zero-point value of face cards and tens, a rule kept in today’s baccarat.
Change in France
In France, the game turned into Chemin de Fer, winning over the French high class in the 1800s, adding glamour to baccarat. This style’s more player choices drew in high-end players.
The Punto Banco Rise

Punto Banco, the main baccarat type, started in Argentina and moved to Cuba in the 1940s. Its launch in Las Vegas in 1959 changed North American casino scenes. Now, stats show Punto Banco’s lead, making up 90% of baccarat money in Macau and 95% in Nevada, proving its worldwide pull.
Rules Change and the Game’s Spread
The move from Italian baccara to French Chemin de Fer and finally to Punto Banco marks a big shift in gaming history. While Italian baccarat stressed player choices, Punto Banco brought in strict drawing rules, making it easier to grasp while keeping its charm. This clear play is key in baccarat’s lasting global love.
Punto Banco Play Ways
Punto Banco Rules and How to Play
Game Basics
Punto Banco, the top baccarat type, follows clear gameplay steps. At the start, both Punto (Player) and Banco (Bank) get two cards. Scores go from 0-9, with picture cards and tens as zero, and aces at one. Dustbloom Poker: Nurturing Coarse Freedoms Into Full, Pot-Filling Blossoms
Card Rules and Third Card Choices
The game sticks to set rules for third card draws. For natural hands of 8 or 9, no more cards are drawn. For player scores of 0-5, a third card is drawn. Scores of 6-7 mean the player stands. The banker’s moves depend on the player’s third card and the banker’s first score, following clear guidelines.
House Edge and How to Bet
Punto Banco has set drawing rules, taking away player choice. The house edge changes with the bet type:
- Banker bet: 1.06% edge
- Player bet: 1.24% edge
- Tie bet: 14.4% edge with 8:1 payout
Chemin De Fer Rules
Chemin De Fer Rules: The Strategic Style of Baccarat
Banks Run by Players
Chemin de Fer stands out with its player-managed bank style.