Baccarat Explained

1. Baccarat Card Counting Explained

To continue our recent theme of unusual baccarat strategy, in this guide we introduce you to another rare system—the Baccarat Attack Strategy!

Our previous blog covered the Silver Tiger strategy, which is a secret system designed by a Chinese mathematics mastermind. But we could only reveal part of the strategy, as somehow the distrubuters behind the system have kept it under wraps, and to get your hands on the sequence, you need to purchase a PDF!

The below sections give you the Baccarat attack strategy explained in full: How The Baccarat Attack System Works. The best way to understand how the ‘Attack System' works is to understand the ‘Martingale' and ‘Reverse Martingale' systems. After all, baccarat is a game of chance with a high house edge for player bets, banker wagers, and tie bets. Winning baccarat is a matter of luck, and no pattern can predict it. Plus, every casino game you find at online casinos can't be predicted. Is Baccarat Pattern Spotting Worth It? Baccarat's betting rules are fairly simple, with only the Banker, Player, Tie, and sometimes Player Pair or Banker Pair bets available. Before you play, brush up on which bets you should avoid and which ones give you the best chance of winning. If you are new to baccarat, we also recommend that you first take a look at our how to play guide. Baccarat is a popular card game played in the land-based casinos and is now available in online and mobile casinos. This game can be said to be a comparing game between the banker and the player where every Baccarat coup has a possibility of three outcomes.

On the other hand, the Baccarat Attack Strategy created by Greg Fletcher also has a PDF which is 163 pages, but it is free and readily available online!

Unlike the Silver Tiger system, the ‘Attack Strategy' already has numerous publications across the Web giving us the ‘Baccarat Attack Strategy Explained in Full' while its popularity is perhaps on an equal par with the Silver Tiger system.

Baccarat is a game wholly its own that can be enjoyed by both high and low rollers alike. It provides a relaxing respite from the other games found on the casino floor, and offers a sophistication that is reminiscent of the famous casinos of Europe and Monte Carlo.

FYI: Rarely seen baccarat systems for further reading:

In this Baccarat Attack Strategy guide, we will look at how this rare but increasingly popular system works on the tables.

Incidentally, Greg Fletcher began to realise this strategy in a Baccarat forum, which is quite an interesting fact because we recently created an article covering Baccarat forums and how useful they are. You will also find variants and ideas applied to this strategy in some of these forums.

The below sections give you the Baccarat attack strategy explained in full:

How The Baccarat Attack System Works

The best way to understand how the ‘Attack System' works is to understand the ‘Martingale' and ‘Reverse Martingale' systems. If you know these 2 systems, you will already have a decent understanding of how ‘negative' Vs ‘positive' progression betting systems differ.

Martingale Strategy:First, set the value of a single chip denomination, and then begin with a 1 chip bet. Next, double your chips each time you lose. Finally, when you win, return to your original 1 chip bet. The Reverse Martingale is the exact opposite. Increase your bets after every win!

To implement the ‘Attack Strategy' you will use 4 betting phases. In each phase, you will increase your bet amount. Now the key to this strategy is to quit while you're ahead. As the nature of this system is to always increase your bets, you will need to find the right time to quit.

Now, to add a bombshell to the strategy, you will need to swap between ‘Banker' and ‘Player' bets after every round. This may sound confusing at first, but all we are doing is swapping sides after every deal, while your bet sizing strategy is separate and remains the same. This strategy goes against the cardinal winning baccarat tip that suggests that you should bet on the ‘Banker' bet every round!

Pro Strategy: Check out our baccarat strategy blog or take a look at a more detailed explanation how players use the Martingale on roulette even-odd, red-black, or high-low bet which pay 1-1 odds on winning bets. As ‘Player' or ‘Banker' bets also pay 1-1, the Martingale strategy switches between both table games!

Quick Facts

• Derives from the Martingale Strategy
• Used to maximise ‘Winning Streaks'
• A strategy you have control over
• 4-bet types available
• Swap from ‘Banker' to ‘Player'

The 4-Bet Types Explained

In this strategy there are 4 bet types to master. These are starter, trigger, attack, and retrenchment bets. We explain a watered-down version of each phase below.

Starter: Much like the Martingale strategy, this is your starting bet amount. Pick a chip denomination and stick to it. For instance, if you play a table with min bet of 1 mBTC, then you could designate this amount as your starter bet.

• The ‘Starter' bet is your point of return after the ‘Attack' or ‘Retrenchment' phases

Trigger: This bet comes into action after your ‘Starter Bet' regardless of a win/loss. This is easy. The amount is double your ‘Starter Bet'. Therefore, if your ‘Starter' bet is 1 mBTC, your ‘Trigger' bet is 2 mBTC.

• Only use the ‘Trigger' bet after the ‘Starter' bet is complete

Attack:If the ‘Trigger Bet' is successful, i.e., you win, you switch to ‘Attack' bets which use a positive progression betting system. Your ‘Attack' betting will require you to cut your ‘Trigger Bet' in half after it wins.

Subsequently, you will increase your bet amount after each win. It is remarkably similar to the ‘Reverse Martingale' with the main difference being that you are not doubling your bet during the positive progressions.

Note: The idea of the ‘Attack 'phase is to bet less than the amount you won on the previous bet. This is a clever way to bet because it means when you inevitably lose a hand after a winning streak, the system protects your winnings from the win streak!

• When you lose in ‘Attack', return to the ‘Trigger' bet phase

Retrenchment:If you lose your ‘Trigger Bet', the next step is to move into a ‘Retrenchment' betting phase, which is a defensive strategy designed to recuperate your ‘Trigger Bet' loss. You can achieve this using a negative progression strategy that increases your bets as you lose. Now this style of betting resembles the standard ‘Martingale' strategy in some respects.

However, the key difference is that instead of resetting to your first bet amount after a win, the ‘Retrenchment' requires you to step down to the previous bet, and continue until your session in the green.

• When you move into a profit in ‘Retrenchment', you return to the ‘Trigger' bet phase

Bet Swapping: Just to reiterate a point we made in the previous section. This strategy requires you to endlessly swap your bet from ‘Player' to ‘Banker' after every round!

If you study this strategy deeper, the idea is to choose your moments according to how the game progresses.You will learn when to reduce and increase your bets by reading Greg Fletcher's 163-page PDF.

Quick Facts

• Starter, trigger, attack, & retrenchment phases
• Starter bet switches to ‘Trigger' win or lose
• ‘Trigger' bet wins = switch to ‘Attack'
• In ‘Attack' a win = increase by ‘Starter' bet amount
• ‘Trigger' bet loses = switch to ‘Retrenchment'
• In ‘Retrenchment' add previous bet + ‘Trigger Bet'
• A loss during ‘Attack' = return to ‘Trigger Bet'
• A profit during ‘Retrenchment' = return to ‘Trigger Bet'

Attack Betting Explained

Below we use a table directly from Greg Fletcher's PDF showing how the Attack Betting Strategy works in action. Naturally after the ‘Trigger Bet' we switch to the ‘Attack' phase and for ‘Bet 2' we cut the ‘Tigger Bet' in half.

As you can see from the table, subsequent bet amounts are quite random. They increase using a set system that protects your winnings from the previous bet. I.e., after the 2^ndbet of €5 the size only increases by €3 up to €8. Then it increases by just €2 for the 4^thbet up to €10.

This table shows a 9-winning streak, and at each stage, if you subtract the amount you bet from the previous winning amount, it shows that even if you lose; you remain in profit.

For example, after ‘Bet 3' we are now €15 in profit. For ‘Bet 4' we are only using €8 from our winnings, and if we lose, our winnings are protected because we are still €7 in the green. You can make the same subtraction at any stage of the betting sequence, and a loss will always result in a profit in the long run.

Here is that sequence: 5-8-10-13-16-20-25-30. The ‘Tigger Bet' was 10 units, and assuming the Trigger bet won, you would then halve it to 5 units giving us the beginning of the betting string!

Quick Facts

• There is a non-aggressive positive progression sequence
• Losing a bet still results in a profit
• The ‘Attack' sequence helps to protect win streak winnings

Retrenchment Betting Explained

To explain the ‘Retrenchment' portion of this system, we also use the table directly from Greg Fletcher's PDF. It seems the best way to get the point across and gives you the information straight from the horse's mouth. In the table below, it assumes the ‘Starter Bet' is €5. Therefore, the ‘Tigger Bet' is €10 as this bet is always double the ‘Starter Bet'.

In true form, the ‘Trigger Bet' loses prompting the ‘Retrenchment' phase of the Baccarat Attack Strategy. As the ‘Trigger Bet' is €10, the betting string used for the below set of 9 bets is 10-15-25-40-65-100-150. If you prefer lower or higher stakes, you can adjust this string according to your ‘Starter Bet' using basic mathematics.

This is quite a simple process to follow if you playonline. However, if you play this strategy at a land-based casino, you will need to have a good memory to keep track of your string, so you know the amount you need to bet on the next stake after a win/loss.

Ultimately, once you reach a profit, you can step back to the ‘Trigger' bet!

Quick Facts:

• Each time you lose, increase the bet by 1 level
• Each time you win, reduce the bet by 1 level
• Return to ‘Trigger Bet‘ when you make a profit

Variations of the Baccarat Attack Strategy

As this strategy is widely debated on numerous baccarat forums, you will find differences in opinion on how to utilise the bet sizing.

You may also see some people using a non-aggressive system that requires you to return to the ‘Starter' bet if win during the ‘Retrenchment' phase or lose during the ‘Attack' phase. However, if you want to follow Greg Fletcher's approach, the best way is to let nature take its course, while he does include a few ways to deviate from the strategy in his book and PDF.

Another point worth making is that you could just stick to the ‘Attack' phase and return to the ‘Trigger' bet only then just continue with the ‘Attack' phase once you etch out a win as the system appears so solid. You could even follow the above suggestion and return to the ‘Starter' phase instead of the ‘Trigger' and use the sequence again.

However, we must admit the ‘Retrenchment' phase offers a way to quickly regain your losses using an ever so slightly less aggressive version of the Martingale Strategy.

Quick Facts:

• Widely debated strategy on Baccarat forums
• There is room to play with this strategy
• Some people return to ‘Starter' instead of ‘Trigger'
• You could solely implement the ‘Attack' system

Our Verdict

This is a strategy worth testing out. It has so many positive points. The only area we are slightly concerned about is the ‘Retrenchment' phase.

Like the Martingale, a string of losses can mean your bet sizing becomes astronomical and hits the table minimum. Although these circumstances are rare, if you are an experienced baccarat player, you already know that 9 or 10 losses in a row is not impossible. The other issue is that you could find yourself stuck in the ‘Retrenchment' phase for quite some time if your first few bets don't go your way.

As for the ‘Attack' phase, this is where you need to be to start making money. As with most casino games, where you begin after your first ‘Tigger Bet' is entirely down to the ‘Baccarat Gods'. Yet, getting to this stage means you are going to make money if you can pull off a string of wins.

In the end, it takes practice to learn a system such as the Baccarat Attack Strategy. And while it does not come without its risks, we have to say, it is arguably one of the most solid baccarat systems we have come across thus far!

Thanks to the elements of chance and luck that always come hand in hand with Baccarat, high rollers with a flair for a bit of risk have always been attracted to this game. Although there are no proven ways of predicting the outcome and adjusting your bets accordingly, Baccarat still abides by certain rules which are employed by the Dealer. Unlike Blackjack, where the players are the ones to decide whether or not they will hit or stand, Baccarat uses pre-determined drawing principles which are implemented without exception.

General Baccarat Rules

Baccarat is played with either 6 or 8 card decks, drawn by the Dealer from the card shoe; the Baccarat session starts when the player submits the bet on one of the following betting options – Banker, Player, or a Tie. The most common Baccarat 'strategy' (using the word liberally) is always playing on the Banker bet since it has the lowest house edge of all three. The next best thing is the Player bet, while Tie, although carrying the best payout value, is often referred to as 'the fool's bet'.

When the bets are confirmed, the Dealer will draw two cards for the two main betting positions, placing them face up. Hand with the total of 8 or 9 wins by default, overriding all other rules. Busting is not possible in Baccarat as the cards have point values – zero points are awarded to 10, K, Q, and J cards, and when the total has a double-digit value, the first digit is removed. For example, a hand with 6 and 7 has a total of 3, not 13.

The Third Card Rule

If neither of the two dealt hands has the desired value, the third card is drawn from the shoe, according to the rules listed below:

• When the Player hand total is 0 to 5. The extra card will not be drawn if the total is 6 or 7 or in case of a natural win, as mentioned below (8 and 9).
• When the Banker's total value is 0 to 5. The third card will not be drawn for the banker if the total is 6, 7, 8, or 9.

Things become a bit more complicated when the third Player card comes into play. This will directly affect the Banker's next move, depending on the value of the third card:

• When cards 2 or 3 are drawn for the Player, the Banker will also be entitled to the third card if its hand value is 0-4. Otherwise, Banker will have to stand;
• When the Player's third card is 4 or 5 the Banker will receive an additional card for the hand total of 0-5 and stand on 6 and 7;
• When 6 or 7 is drawn as the third card for the Player, the Banker will also have to draw if the hand total is between 0 and 6. The Banker will stand on the hand value of 7;
• Drawing an 8 as the third Player's hand will have the Banker stand on the 3 – 7 total or receive the additional card for a hand of 0 – 2;
• With 9, 10, Ace, Jack, Queen, and King as the third Player's card, the Banker will hit on the total of 0-3 or stand on the total of 4-7;

The easier way to keep track of the 3-Card rule would be by referring to the following tables:

3-card rule – Player

Baccarat is a game wholly its own that can be enjoyed by both high and low rollers alike. It provides a relaxing respite from the other games found on the casino floor, and offers a sophistication that is reminiscent of the famous casinos of Europe and Monte Carlo.

FYI: Rarely seen baccarat systems for further reading:

In this Baccarat Attack Strategy guide, we will look at how this rare but increasingly popular system works on the tables.

Incidentally, Greg Fletcher began to realise this strategy in a Baccarat forum, which is quite an interesting fact because we recently created an article covering Baccarat forums and how useful they are. You will also find variants and ideas applied to this strategy in some of these forums.

The below sections give you the Baccarat attack strategy explained in full:

How The Baccarat Attack System Works

The best way to understand how the ‘Attack System' works is to understand the ‘Martingale' and ‘Reverse Martingale' systems. If you know these 2 systems, you will already have a decent understanding of how ‘negative' Vs ‘positive' progression betting systems differ.

Martingale Strategy:First, set the value of a single chip denomination, and then begin with a 1 chip bet. Next, double your chips each time you lose. Finally, when you win, return to your original 1 chip bet. The Reverse Martingale is the exact opposite. Increase your bets after every win!

To implement the ‘Attack Strategy' you will use 4 betting phases. In each phase, you will increase your bet amount. Now the key to this strategy is to quit while you're ahead. As the nature of this system is to always increase your bets, you will need to find the right time to quit.

Now, to add a bombshell to the strategy, you will need to swap between ‘Banker' and ‘Player' bets after every round. This may sound confusing at first, but all we are doing is swapping sides after every deal, while your bet sizing strategy is separate and remains the same. This strategy goes against the cardinal winning baccarat tip that suggests that you should bet on the ‘Banker' bet every round!

Pro Strategy: Check out our baccarat strategy blog or take a look at a more detailed explanation how players use the Martingale on roulette even-odd, red-black, or high-low bet which pay 1-1 odds on winning bets. As ‘Player' or ‘Banker' bets also pay 1-1, the Martingale strategy switches between both table games!

Quick Facts

• Derives from the Martingale Strategy
• Used to maximise ‘Winning Streaks'
• A strategy you have control over
• 4-bet types available
• Swap from ‘Banker' to ‘Player'

The 4-Bet Types Explained

In this strategy there are 4 bet types to master. These are starter, trigger, attack, and retrenchment bets. We explain a watered-down version of each phase below.

Starter: Much like the Martingale strategy, this is your starting bet amount. Pick a chip denomination and stick to it. For instance, if you play a table with min bet of 1 mBTC, then you could designate this amount as your starter bet.

• The ‘Starter' bet is your point of return after the ‘Attack' or ‘Retrenchment' phases

Trigger: This bet comes into action after your ‘Starter Bet' regardless of a win/loss. This is easy. The amount is double your ‘Starter Bet'. Therefore, if your ‘Starter' bet is 1 mBTC, your ‘Trigger' bet is 2 mBTC.

• Only use the ‘Trigger' bet after the ‘Starter' bet is complete

Attack:If the ‘Trigger Bet' is successful, i.e., you win, you switch to ‘Attack' bets which use a positive progression betting system. Your ‘Attack' betting will require you to cut your ‘Trigger Bet' in half after it wins.

Subsequently, you will increase your bet amount after each win. It is remarkably similar to the ‘Reverse Martingale' with the main difference being that you are not doubling your bet during the positive progressions.

Note: The idea of the ‘Attack 'phase is to bet less than the amount you won on the previous bet. This is a clever way to bet because it means when you inevitably lose a hand after a winning streak, the system protects your winnings from the win streak!

• When you lose in ‘Attack', return to the ‘Trigger' bet phase

Retrenchment:If you lose your ‘Trigger Bet', the next step is to move into a ‘Retrenchment' betting phase, which is a defensive strategy designed to recuperate your ‘Trigger Bet' loss. You can achieve this using a negative progression strategy that increases your bets as you lose. Now this style of betting resembles the standard ‘Martingale' strategy in some respects.

However, the key difference is that instead of resetting to your first bet amount after a win, the ‘Retrenchment' requires you to step down to the previous bet, and continue until your session in the green.

• When you move into a profit in ‘Retrenchment', you return to the ‘Trigger' bet phase

Bet Swapping: Just to reiterate a point we made in the previous section. This strategy requires you to endlessly swap your bet from ‘Player' to ‘Banker' after every round!

If you study this strategy deeper, the idea is to choose your moments according to how the game progresses.You will learn when to reduce and increase your bets by reading Greg Fletcher's 163-page PDF.

Quick Facts

• Starter, trigger, attack, & retrenchment phases
• Starter bet switches to ‘Trigger' win or lose
• ‘Trigger' bet wins = switch to ‘Attack'
• In ‘Attack' a win = increase by ‘Starter' bet amount
• ‘Trigger' bet loses = switch to ‘Retrenchment'
• In ‘Retrenchment' add previous bet + ‘Trigger Bet'
• A loss during ‘Attack' = return to ‘Trigger Bet'
• A profit during ‘Retrenchment' = return to ‘Trigger Bet'

Attack Betting Explained

Below we use a table directly from Greg Fletcher's PDF showing how the Attack Betting Strategy works in action. Naturally after the ‘Trigger Bet' we switch to the ‘Attack' phase and for ‘Bet 2' we cut the ‘Tigger Bet' in half.

As you can see from the table, subsequent bet amounts are quite random. They increase using a set system that protects your winnings from the previous bet. I.e., after the 2^ndbet of €5 the size only increases by €3 up to €8. Then it increases by just €2 for the 4^thbet up to €10.

This table shows a 9-winning streak, and at each stage, if you subtract the amount you bet from the previous winning amount, it shows that even if you lose; you remain in profit.

For example, after ‘Bet 3' we are now €15 in profit. For ‘Bet 4' we are only using €8 from our winnings, and if we lose, our winnings are protected because we are still €7 in the green. You can make the same subtraction at any stage of the betting sequence, and a loss will always result in a profit in the long run.

Here is that sequence: 5-8-10-13-16-20-25-30. The ‘Tigger Bet' was 10 units, and assuming the Trigger bet won, you would then halve it to 5 units giving us the beginning of the betting string!

Quick Facts

• There is a non-aggressive positive progression sequence
• Losing a bet still results in a profit
• The ‘Attack' sequence helps to protect win streak winnings

Retrenchment Betting Explained

To explain the ‘Retrenchment' portion of this system, we also use the table directly from Greg Fletcher's PDF. It seems the best way to get the point across and gives you the information straight from the horse's mouth. In the table below, it assumes the ‘Starter Bet' is €5. Therefore, the ‘Tigger Bet' is €10 as this bet is always double the ‘Starter Bet'.

In true form, the ‘Trigger Bet' loses prompting the ‘Retrenchment' phase of the Baccarat Attack Strategy. As the ‘Trigger Bet' is €10, the betting string used for the below set of 9 bets is 10-15-25-40-65-100-150. If you prefer lower or higher stakes, you can adjust this string according to your ‘Starter Bet' using basic mathematics.

This is quite a simple process to follow if you playonline. However, if you play this strategy at a land-based casino, you will need to have a good memory to keep track of your string, so you know the amount you need to bet on the next stake after a win/loss.

Ultimately, once you reach a profit, you can step back to the ‘Trigger' bet!

Quick Facts:

• Each time you lose, increase the bet by 1 level
• Each time you win, reduce the bet by 1 level
• Return to ‘Trigger Bet‘ when you make a profit

Variations of the Baccarat Attack Strategy

As this strategy is widely debated on numerous baccarat forums, you will find differences in opinion on how to utilise the bet sizing.

You may also see some people using a non-aggressive system that requires you to return to the ‘Starter' bet if win during the ‘Retrenchment' phase or lose during the ‘Attack' phase. However, if you want to follow Greg Fletcher's approach, the best way is to let nature take its course, while he does include a few ways to deviate from the strategy in his book and PDF.

Another point worth making is that you could just stick to the ‘Attack' phase and return to the ‘Trigger' bet only then just continue with the ‘Attack' phase once you etch out a win as the system appears so solid. You could even follow the above suggestion and return to the ‘Starter' phase instead of the ‘Trigger' and use the sequence again.

However, we must admit the ‘Retrenchment' phase offers a way to quickly regain your losses using an ever so slightly less aggressive version of the Martingale Strategy.

Quick Facts:

• Widely debated strategy on Baccarat forums
• There is room to play with this strategy
• Some people return to ‘Starter' instead of ‘Trigger'
• You could solely implement the ‘Attack' system

Our Verdict

This is a strategy worth testing out. It has so many positive points. The only area we are slightly concerned about is the ‘Retrenchment' phase.

Like the Martingale, a string of losses can mean your bet sizing becomes astronomical and hits the table minimum. Although these circumstances are rare, if you are an experienced baccarat player, you already know that 9 or 10 losses in a row is not impossible. The other issue is that you could find yourself stuck in the ‘Retrenchment' phase for quite some time if your first few bets don't go your way.

As for the ‘Attack' phase, this is where you need to be to start making money. As with most casino games, where you begin after your first ‘Tigger Bet' is entirely down to the ‘Baccarat Gods'. Yet, getting to this stage means you are going to make money if you can pull off a string of wins.

In the end, it takes practice to learn a system such as the Baccarat Attack Strategy. And while it does not come without its risks, we have to say, it is arguably one of the most solid baccarat systems we have come across thus far!

Thanks to the elements of chance and luck that always come hand in hand with Baccarat, high rollers with a flair for a bit of risk have always been attracted to this game. Although there are no proven ways of predicting the outcome and adjusting your bets accordingly, Baccarat still abides by certain rules which are employed by the Dealer. Unlike Blackjack, where the players are the ones to decide whether or not they will hit or stand, Baccarat uses pre-determined drawing principles which are implemented without exception.

General Baccarat Rules

Baccarat is played with either 6 or 8 card decks, drawn by the Dealer from the card shoe; the Baccarat session starts when the player submits the bet on one of the following betting options – Banker, Player, or a Tie. The most common Baccarat 'strategy' (using the word liberally) is always playing on the Banker bet since it has the lowest house edge of all three. The next best thing is the Player bet, while Tie, although carrying the best payout value, is often referred to as 'the fool's bet'.

When the bets are confirmed, the Dealer will draw two cards for the two main betting positions, placing them face up. Hand with the total of 8 or 9 wins by default, overriding all other rules. Busting is not possible in Baccarat as the cards have point values – zero points are awarded to 10, K, Q, and J cards, and when the total has a double-digit value, the first digit is removed. For example, a hand with 6 and 7 has a total of 3, not 13.

The Third Card Rule

If neither of the two dealt hands has the desired value, the third card is drawn from the shoe, according to the rules listed below:

• When the Player hand total is 0 to 5. The extra card will not be drawn if the total is 6 or 7 or in case of a natural win, as mentioned below (8 and 9).
• When the Banker's total value is 0 to 5. The third card will not be drawn for the banker if the total is 6, 7, 8, or 9.

Things become a bit more complicated when the third Player card comes into play. This will directly affect the Banker's next move, depending on the value of the third card:

• When cards 2 or 3 are drawn for the Player, the Banker will also be entitled to the third card if its hand value is 0-4. Otherwise, Banker will have to stand;
• When the Player's third card is 4 or 5 the Banker will receive an additional card for the hand total of 0-5 and stand on 6 and 7;
• When 6 or 7 is drawn as the third card for the Player, the Banker will also have to draw if the hand total is between 0 and 6. The Banker will stand on the hand value of 7;
• Drawing an 8 as the third Player's hand will have the Banker stand on the 3 – 7 total or receive the additional card for a hand of 0 – 2;
• With 9, 10, Ace, Jack, Queen, and King as the third Player's card, the Banker will hit on the total of 0-3 or stand on the total of 4-7;

The easier way to keep track of the 3-Card rule would be by referring to the following tables:

3-card rule – Player

3-card rule – Banker

Baccarat Card Counting Explained

At first glance, this may seem overwhelming, but it will not take more than a few sessions to memorize the rules without even trying. And, since the 3 card rule is not optional, you can just let the Dealer take care of it and enjoy the game.