Baccarat 1 from Pragmatic Play: the rule card line by line
Our example is Pragmatic Play's Baccarat 1 (Baccarat 2, 5, 6 and 7 also run in the lobby). The rules come from the studio's game help, which covers its live baccarat generally, not one table; we checked the figures against an independent maths calculation.
| Item | Value | Source |
|---|---|---|
| Table and studio | Baccarat 1 (and siblings) – Pragmatic Play | Dukat.bet lobby, 11 October 2026 |
| Cards | 8 standard 52-card decks | official studio page (game help) |
| What you bet on | Player, Banker or Tie | official studio page |
| What decides | which hand's total is closer to 9 | official studio page |
| Payouts | Player 1:1, Banker 0.95:1, Tie 8:1 | official studio page |
| On a tie | Player and Banker bets are returned (push) | official studio page |
| RTP | Banker 98.94%, Player 98.76%, Tie 85.64% | official help + mathematical constant |
| House edge | 1.06% / 1.24% / 14.36% | mathematical constant |
| Table limit | we do not publish it | not published |
Paying Banker at 0.95:1 is the same as a 5% commission: a winning 1,000 HUF Banker bet earns 950 HUF. The help's RTPs match the eight-deck house edge exactly, so the two sources confirm each other.
What a card is worth, and why only the last digit counts
Baccarat scoring looks odd but takes a minute to learn. An ace is 1 point, cards 2–9 are worth their face value, and tens and face cards (jack, queen, king) are 0.
A hand's score is always the last digit of the total; the ten simply drops off. A 7 and an 8 make 15, so the hand is worth 5. A 9 and a king are 9 points, while a 5 and a 5 are 0, which is called baccarat and gives the game its name.
With two cards, 8 or 9 is a ‘natural’: nobody draws and the round settles at once. No hand can exceed nine.
Note that Player and Banker are not people here. They are two hands you can bet on; ‘banker’ does not mean the casino.
Who gets a third card: the drawing chart for Player and Banker
Neither the croupier nor you decides on the third card. A fixed chart does, and Pragmatic Play's help publishes it. The Player hand goes first.
| Player's two-card total | What happens |
|---|---|
| 0–5 | draws a third card |
| 6–7 | stands |
| 8–9 | natural, the round ends |
If Player stood (on 6 or 7), Banker follows the same rule: draws on 0–5, stands on 6–7. If Player drew, though, Banker's move depends on its own total and on Player's third card.
| Banker total | Draws if Player's third card is… | Stands if… |
|---|---|---|
| 0–2 | anything | — |
| 3 | anything except 8 | 8 |
| 4 | 2–7 | 0, 1, 8, 9 |
| 5 | 4–7 | 0–3, 8, 9 |
| 6 | 6–7 | anything else |
| 7 | — | always stands |
You need not memorise it; the system and croupier apply it automatically. But it shows that Banker decides later, with more information, which is why the Banker hand wins slightly more often.
One deal at the Baccarat 1 table, from bets to payout
One round as it plays out on screen.
- Betting window. The countdown runs. You place chips on Player, Banker or Tie, with side bets in view; the minimum and maximum stake show here.
- Closing. Time runs out and the interface takes no more bets.
- First two cards. The croupier deals in turn: Player, Banker, Player, Banker. Say Player has 4 and a king (4 points), Banker has 3 and 3 (6 points).
- Third card. Player's 4 is within 0–5, so it draws: a 7, making 11, which is 1 point. Banker stands on 6, Player's third card is a 7, so by the chart Banker draws. A 2 comes, giving 8.
- Settlement. Banker 8, Player 1. A 1,000 HUF Banker bet wins 950 HUF; the Player bet is lost, and so is the Tie.
- Roadmap. The result is added to the score boards and the next betting window opens.
None of these steps needs a decision from you, so what matters is how much the house takes along the way.
1.06%, 1.24%, 14.36%: the price of the three bets over a longer session
Of the three main bets, two are very cheap and one is plainly expensive. Banker costs less because it wins more often; the commission offsets this only in part.
| Bet | Payout | RTP | House edge |
|---|---|---|---|
| Banker | 0.95:1 | 98.94% | 1.06% |
| Player | 1:1 | 98.76% | 1.24% |
| Tie | 8:1 | 85.64% | 14.36% |
Illustrative calculation (not Dukat.bet data): say you bet 1,000 HUF in each of 80 rounds. Turnover is 80,000 HUF. On Banker the expected loss is about 850 HUF, on Player about 990 HUF. Put the same on Tie and it would be roughly 11,500 HUF.
8:1 sounds tempting, but with eight decks a tie comes about once in eleven rounds, and 8:1 is too little for that.
The side bets (Player Pair and Banker Pair 11:1, Either Pair 5:1, Perfect Pair 25:1, Player/Banker Bonus up to 30:1) are in the help, but we found no two matching sources for their RTP. Fast rounds also push turnover up; what that means for one evening is worked through on the session limits page.
Roadmaps, streaks, patterns: what baccarat statistics show
Live baccarat screens nearly always carry score boards (roadmaps). Coloured circles and stripes show which hand won the earlier rounds. They look tidy and clear, and they predict nothing.
Cards come from eight decks, and past rounds barely move the odds of the next one. After a long Banker run, Player is not ‘due’. The board shows history, not the future.
If you catch yourself raising your stake because of a pattern, that is pace talking, not the game. Table types (no commission, side bet, speed) are covered on the baccarat formats page, and the simplest one-card relative on the Dragon Tiger rule card.
What the baccarat table tile leaves out
The lobby shows a name, an image and a studio; much else appears only on the open table, or never.
- The limit. Minimum and maximum stakes appear only on the open table. We do not publish them.
- Commission mode. Check on the betting layout whether a table uses 5% commission or none; the Banker payout differs.
- The price of side bets. The payout multiplier is visible; the RTP is not.
- The tag. Baccarat tables do not always sit in the Baccarat category, so check the general live list too. Which studio streams what is summed up in our Dukat.bet live lobby map.
The live section's main offer is the Live Casino Bonus – 500% up to 3,000 EUR + 15% Cashback. General term 2.14 leaves live dealer play out of the wagering tally, so look at the offer's own conditions before baccarat. This is for adults over 18, using only what you have set aside for fun.