Baccarat Third-Card Rule Explorer
Pick the two-card totals and see exactly who draws a third card and why. Then deal a full shoe and watch road patterns fail to predict anything.
| Banker total | Player third card 0 | Player third card 1 | Player third card 2 | Player third card 3 | Player third card 4 | Player third card 5 | Player third card 6 | Player third card 7 | Player third card 8 | Player third card 9 | Player stood |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | D | D | D | D | D | D | D | D | D | D | D |
| 1 | D | D | D | D | D | D | D | D | D | D | D |
| 2 | D | D | D | D | D | D | D | D | D | D | D |
| 3 | D | D | D | D | D | D | D | D | S | D | D |
| 4 | S | S | D | D | D | D | D | D | S | S | D |
| 5 | S | S | S | S | D | D | D | D | S | S | D |
| 6 | S | S | S | S | S | S | D | D | S | S | S |
| 7 | S | S | S | S | S | S | S | S | S | S | S |
Banker 8 or 9, or Player 8 or 9, is a natural: no one draws. Player draws on 0 to 5 and stands on 6 or 7.
Deal a shoe
Eight decks, real drawing rules, cut card 14 from the end. Seed –.
Who draws?
Player 4, Banker 5, Player's third card 6: Player draws, and Banker draws because a 5 draws on a third card of 4 to 7.
How it works
- Choose the Player and Banker two-card totals (tens and picture cards count 0).
- If the Player draws, choose the Player's third card: on Banker 3 to 6 that card decides whether the Banker draws.
- The table highlights the exact cell of the Banker tableau that applies.
- Deal a shoe to see a real Big Road, then compare six pattern systems with what the maths says they return.
What the maths says
The third-card rules are fixed: nobody decides anything in Punto Banco. Enumerating every possible deal from an eight-deck shoe gives Banker winning 45.86% of coups, Player 44.62% and a tie 9.52%. The Banker rule lets the Banker react to the Player's third card, which is why it wins more often.
That edge is why casinos take 5% commission on Banker wins. After commission the house edge is 1.06% on Banker, 1.24% on Player and 14.36% on a Tie paying 8:1.
Road maps record what happened; they do not change what happens next. Each coup is dealt from a shuffled shoe, so a streak tells you nothing about the next result. The simulator applies six popular pattern systems to the same shoes: their returns land on the fixed Banker or Player edge, give or take noise.