Speed Baccarat 13 Complete Rules
Speed Baccarat 13 follows the internationally recognized punto banco ruleset. Understanding the rules fully helps you make better betting decisions and enjoy the game with complete confidence.
Card Values
- Ace = 1 point
- Cards 2–9 = Face value
- 10, Jack, Queen, King = 0 points
Only the units digit of the total counts. A hand totaling 15 counts as 5. A hand totaling 20 counts as 0 ("baccarat"). Maximum hand value is 9.
Natural Win
If either the Player or Banker receives a total of 8 or 9 from their first two cards, this is called a "natural." No third card is drawn and the round ends immediately.
Player Drawing Rules
- Player total 0–5: Draw a third card
- Player total 6–7: Stand
- Player total 8–9: Natural, no third card
Banker Drawing Rules
- Banker total 0–2: Always draw
- Banker total 3: Draw unless Player's third card is 8
- Banker total 4: Draw if Player's third card is 2–7
- Banker total 5: Draw if Player's third card is 4–7
- Banker total 6: Draw if Player's third card is 6–7
- Banker total 7: Always stand
Payout Table
- Player Win: 1:1
- Banker Win: 1:1 minus 5% commission (or 1:1 in No Commission mode, except Banker 6 pays 1:2)
- Tie: 8:1
- Player Pair: 11:1
- Banker Pair: 11:1
- Perfect Pair: 25:1
- Either Pair: 5:1
Betting Limits
Minimum bets start as low as $0.20 per round. Maximum bets can reach $150,000 on main bets, making Speed Baccarat 13 accessible to both casual players and high rollers.
Frequently Asked Questions
- What is a natural?
A natural is when either hand totals 8 or 9 from the first two cards. No third card is drawn.
- How much does a Banker win pay?
1:1 minus 5% commission in standard mode, or even money in No Commission mode (except Banker 6 which pays 1:2).
- What is the minimum bet?
Minimum bets are typically $0.20, though this may vary by platform.
