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What happens when the player and banker both reach nine, a result players call two nines, is a tie, as with any other equal total: tie bets win, and bets on either hand are usually returned. Baccarat is a game of chance rather than skill, since the drawing rules are fixed and the only choice is which hand to back. It is not beatable over time, though the banker bet has one of the smallest edges on the casino floor. It is also a fast paced game, dealing a hand in less than a minute.

Punto banco is the most common form of baccarat, and learning how to play it takes one hand. A bet goes on banker, on player or on a tie; two cards go to each hand, and a third card may follow by fixed rules nobody chooses. Cards count at face value up to nine, tens and faces count zero, and only the last digit of the total matters. The hand closest to nine wins, which is the whole game for dummies and experts alike.

Baccarat can be played at home with a standard deck or several, one player acting as banker and the drawing rules printed on a card for reference. In casinos, baccarat cards are not reused: after a shoe is dealt, the cards are usually destroyed or sold as souvenirs, partly because players bend and squeeze them during the reveal in some versions. Online and live games shuffle virtual or fresh decks for every shoe, so no card carries marks from a shoe before.