Live Punto Banco is a live version of baccarat that has been played for decades in brick and mortar casinos around the world and is today a popular live dealer game online. Punto Banco live is still a favorite game today, offered in exclusive VIP online casino sites . Many online baccarat games are called Punto Banco and follow the same gameplay. On this page we take a closer look at the live Punto banco variant.

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Play Punto Banco Live

Unlike Chemin de Fer where players bet against each other without the casino being financially involved, Live Punto Banco is a game where players bet against the dealer, similar to blackjack online . The name accurately describes the two opposing sides; punto - meaning "player" and banco - meaning "bank". The aim of this live casino game is to get nine points or the closest to nine points before the other does and before you bust (if you go over nine).

Playing Live Punto Banco online is no different than playing in a brick-and-mortar casino, as in both cases the dealer always handles all the card action – shuffling and dealing. So there really is no thrill or thrill that you could miss. Au contraire! Live Punto Banco is just as exciting, especially as you play in a live casino where the social aspect is also present with immersive camera images of the table and the dealer broadcast in real-time HD quality streaming.

There are different betting limits and many customizable options so you can personalize the game to your own taste and bankroll. Don't forget the live chat option that allows you to interact with the dealer and the other players at the table for a very authentic playing experience.

Card Values

As in the other baccarat online versions, 10s, jacks, queens and kings have zero value in Live Punto Banco. Aces are worth one point and the rest of the cards are worth the same points as their face value. The total value of a hand is added to the value of the first two cards drawn, and if the total is a two-digit number, a ten is subtracted. For example, if the Player's hand is a 6 and an 8, the total value is four; 6+8=14 – 10 = 4.

Table Layout And Card Draw

Live Punto Banco is played at special baccarat tables with a different number of seats per variant. There are two boxes on the table for bets on the Punto (player) and the Banco (bank). There may also be a third box for Even bets – or Draw bets. The game is played with six or eight decks of cards that are shuffled by the dealer before each round. Players place their bets on the Punto, Banco, or Egalite slots. When all bets have been placed, the player in first place draws four cards. Since you are playing in a live casino, this is all done digitally. The dealer then places these cards face down on the table – one card for the player, one for the bank, and again – one for the player and one for the bank. In Punto Banco all dealing is handled by the casino staff, unlike Chemin de Fer where the players shuffle and deal the cards.

Draw Extra Cards

Depending on the total value of the Player and Bank hands, additional cards can be drawn according to the following Punto Banco game rules :

Player Rules

  • If the player's hand has a total value of zero to five, a third card is drawn.
  • If the total is six or seven, the player chooses to stand.
  • If the hand is a small natural - eight or a big natural - nine, the player wins.

The rules for the Bank are a bit more complicated as this is the last hand to be drawn and the drawing of a third card depends not only on the original cards dealt to the Player's hand, but also on the additional cards that are determined to be the rules described above are drawn.

Rules for the Bank

  • If the Banker's hand has a total of zero to three, a third card is drawn regardless of the Player's hand.
  • If the total of the Bank's hand is four, a third card is drawn if the Player's hand is two to seven.
  • If the Bank has a five and the value of the player's hand is four to seven, a card is also drawn.
  • For a Bank hand totaling six and a Player hand totaling six or seven, a third card may only be drawn if the Player has already drawn a third card and the total has been made with all three Cards.
  • The Bank must pass if the hand is seven.
  • A value of eight or nine means that both the Banker and the Player must remain standing.

When all extra cards have been dealt according to these rules, there is a clear winner – either the Player or the Bank, or a Tie if both hands are of the same value. The payoffs of the hands are as follows:

  • Punto bets pay 1:1
  • Banco pay bets 19:20*
  • Even bets pay 8:1

*There is a 5% commission on the Banco bet which is deducted from the winnings.

These payouts may vary slightly in different versions of Live Punto Banco. All losing bets will be cashed before winning bets are paid out. If the round has ended in a tie, the dealer pays winnings to players who have placed bets on the Egalité bet. Players who have bet on Punto or Banco do not lose their bet in case of a tie. They can choose to leave their bets and use them for the next round, change them or withdraw them.

Frequently Asked Questions

Can I play Punto Banco live in any online casino?

This is offered in most of the new online casinos .

Is it possible to try Punto Banco online live for free first?

Because it is a live casino game, this is unfortunately not possible.

Can players deal the cards at Live PuntoBanco?

No, this is done exclusively by the live dealer.

Are there any casino bonuses specifically for Live Punto Banco?

No, but very occasionally you will find a live casino bonus .

Does Live PuntoBanco count towards wagering?

Usually yes, but not 100%. So check this before you sign up anywhere.

Written by: Jason Vink |

Jason is an online casino expert. He obtained a BA in Communications in Brussels before starting to work at internet gambling portals in Malta (EU) in 2012. He later joined and has since started sharing his expertise with our readers. Jason is able to assess and test an online casino on many different functionalities in order to guarantee the enjoyment and safety. If you have questions for Jason, you can always send him an email: jason [at]