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The other players, in order, then declare whether they will "go bank", playing against the entire current bank with a matching wager. Only one player may "go bank".
If no one "goes bank", players make their wagers in order. If the total wagers from the players are less than the bank, observing bystanders may also wager up to the amount of the bank.
If the total wagers from the players are greater than the bank, the banker may choose to increase the bank to match; if he does not, the excess wagers are removed in reverse play order.
The banker deals four cards face down: two to himself and two held in common by the remaining players. The player with the highest individual wager or first in play order if tied for highest wager is selected to represent the group of non-banker players.
The banker and player both look at their cards; if either has an eight or a nine, this is immediately announced and the hands are turned face-up and compared.
If neither hand is an eight or nine, the player has a choice to accept or refuse a third card; if accepted, it is dealt face-up.
Traditional practice — grounded in mathematics, similar to basic strategy in blackjack, but further enforced via social sanctions by the other individuals whose money is at stake — dictates that one always accept a card if one's hand totals between 0 and 4, inclusive, and always refuse a card if one's hand totals 6 or 7.
After the player makes his decision, the banker, in turn, decides either to accept or to refuse another card. Once both the banker and the representative player have made their decision, the hands are turned face-up and compared.
If the player's hand exceeds the banker's hand when they are compared, each wagering player receives back their wager and a matching amount from the bank, and the position of banker passes to the next player in order.
If the banker's hand exceeds the player's hand, all wagers are forfeit and placed into the bank, and the banker position does not change.
If there is a tie, wagers remain as they are for the next hand. If the banker wishes to withdraw, the new banker is the first player in order willing to stake an amount equal to the current bank total.
If no one is willing to stake this amount, the new banker is instead the next player in order, and the bank resets to whatever that player wishes to stake.
Many games have a set minimum bank or wager amount. In Baccarat Banque the position of banker is much more permanent compared to Chemin de fer.
The shoe contains three inter-shuffled decks. The banker, unless he retires either of his own free will or by reason of the exhaustion of his finances, holds office until all these cards have been dealt.
The bank is at the outset put up to auction, i. In some circles, the person who has first set down his name on the list of players has the right to hold the first bank, risking such amount as he may think proper.
The right to begin having been ascertained, the banker takes his place midway down one of the sides of an oval table, the croupier facing him, with the discard area between.
On either side of the banker are the punters ten such constituting a full table. Any other persons desiring to take part remain standing, and can only play in the event of the amount in the bank for the time being not being covered by the seated players.
The croupier, having shuffled the cards, hands them for the same purpose to the players to the right and left of him, the banker being entitled to shuffle them last, and to select the person by whom they shall be cut.
Each punter having made his stake, the banker deals three cards, the first to the player on his right, the second to the player on his left, and the third to himself; then three more in like manner.
The five punters on the right and any bystanders staking with them win or lose by the cards dealt to that side; the five others by the cards dealt to the left side.
The rules as to turning up with eight or nine, offering and accepting cards, and so on, are the same as Chemin de fer. Each punter continues to hold the cards for his side so long as he wins or ties.
If he loses, the next hand is dealt to the player next following him in rotation. Any player may "go bank", the first claim to do so belonging to the punter immediately on the right of the banker; the next to the player on his left, and so on alternatively in regular order.
If two players on opposite sides desire to "go bank", they go half shares. A player going bank may either do so on a single hand, in the ordinary course, or a cheval, i.
A player going bank and losing may again go bank, and if he again loses, may go bank a third time, but not further.
A player undertaking to hold the bank must play out one hand, but may retire at any time afterwards. On retiring, he is bound to state the amount with which he retires.
It is then open to any other player in order of rotation to continue the bank, starting with the same amount, and dealing from the remainder of the pack, used by his predecessor.
The outgoing banker takes the place previously occupied by his successor. The breaking of the bank does not deprive the banker of the right to continue, provided that he has funds with which to replenish it, up to the agreed minimum.
Should the stakes of the punters exceed the amount for the time being in the bank, the banker is not responsible for the amount of such excess.
In the event of his losing, the croupier pays the punters in order of rotation, so far as the funds in the bank will extend; beyond this, they have no claim.
The banker may, however, in such a case, instead of resting on his right, declare the stakes accepted, putting up the needed funds to meet them.
In such event the bank thenceforth becomes unlimited, and the banker must hold all stakes to whatever amount offered on any subsequent hand, or give up the bank.
David Parlett considers Macao as the immediate precursor to baccarat. Its notoriety led to King Victor-Amadeus III banning it in all his realms in The match in Arthur Schnitzler 's novella Night Games Spiel im Morgengrauen contains instructions for Macao under the name of baccarat.
Its popularity in the United States waned after the early 20th century. Macao uses two decks of cards shuffled together.
Punters place their bets within the agreed limits against the banker. Initially, one card is dealt clockwise and face down to every player by the banker.
The punters' objective is to beat the banker's card value or risk losing their bet. In case of a tie, whoever has the same value with fewer cards wins.
The banker wins if there is a tie in both value and number of cards in an early version, all bets are off. Any punter who receives a natural 9 receives triple the amount of the bet as long as the banker does not have a natural 9, too.
Winning with a natural 8 awards double while winning with a 7 or under is only equal to the bet. Players can request additional cards which are dealt face up; if it is a ten or a face card , they can reject it and ask for another.
In an early version of this game, going over 9 with extra cards amounts to a "bust" as in blackjack ,  later versions use modulo 10 arithmetic as in the other games.
Beating the banker with a pair only awards an equal amount to the bet. When the deck is exhausted, the player to the banker's left becomes the new banker.
Victoria is a variation of macao where players are initially dealt two cards. Like macao and baccarat, it was banned in Russia during the 19th century  though their rules continued to be printed in game books.
The Tranby Croft affair in and disgraced socialite William Gordon Cumming 's subsequent lawsuit, known together as the royal baccarat scandal , due to the involvement of the future King Edward VII , then Prince of Wales, in the incident, inspired a huge amount of media interest in the game, bringing baccarat to the attention of the public at large, with rules being published in newspaper accounts of the scandal.
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