After the bets are placed, the cards are dealt with the outcome dictated by the results of the deal. More precisely, the dealer deals two cards to each player, and the banker (who is not necessarily the dealer). The object of the game is to get as close to 9 as possible.
If you have 9, or an 8 (both called “naturals”) you win (unless the dealer has the same, and then it’s a tie). If you (the player) has a 6 or 7, you are obliged to stand. If you have a 5 or less, you are obliged to take a 3rd card.
The 10s and face cards have zero value.
Therefore, a 10 and a 5 would be a value of 5. If three cards baccarat are dealt, the score of the hand is the right digit of the total of the cards. If the total of the three cards is 14, then the score is 4.
Rules for the dealer.
If the player stands, the dealer must hit if his score is 5 or less. Now the rules become somehow complex. If the player took a 3rd card, the dealer is obliged to act as follows:
Dealer has total of 0, 1, 2: Dealer must draw a third card.
Dealer has total of 3: Dealer draws if Player’s 3rd Card is 1-2-3-4-5-6-7-9-0 (not an 8)
Dealer has total of 4: Dealer must draw if Player’s 3rd Card is 2-3-4-5-6-7
Dealer has total of 5: Dealer must draw if Player’s 3rd Card is 4-5-6-7
Dealer has total of 6: Dealer must draw if Player’s 3rd Card is a 6 or a 7
Dealer has total of 7: Dealer must stand.
When playing baccarat there are only three bets. One is for the player, one is for the banker, and one is for a tie. Betting on the player, or bank does not mean, necessarily on “the” player, or the dealer. If you bet on the player, and win, you are paid even money (1:1) with no commission.
If you bet on the banker, and win, you are paid even money, but charged between 4 and 5% commission. If you bet on a tie, you win 8:1 or 9:1 depending on the rules used, without any commission.