House Rules

  1. The version of Baccarat being played is the Punto Banco variant unless stated otherwise.

  2. We operate all games of baccarat with eight decks, which are cut by the dealer. All the decks are thoroughly shuffled prior to arriving at the table, and a courtesy shuffle will then be done at the table by the dealer for the players' benefit.

  3. All staff involved in both the shuffling and dealing process hold licenses with the Gambling Commission of Great Britain.


Baccarat is a game where 2 hands are dealt. One being the Banker's or “Banco” hand, the other being the Player's or “Punto” hand. Before each deal is made, the player can bet on whether he/she thinks the Banker's hand or the Player's hand will come to a total closest to 9. There is also the option to bet on a tie. This is when both the Banker's and the Player's hand come to the same total. A player can also bet on all 3 or any combination of the 3 outcomes. Baccarat is played with 8 decks of 52 cards.


At the start of a hand, you have 15 seconds in which to place your bet. Once the countdown clock reaches zero you will not be allowed to change the bet you have placed on a hand.

To place a bet, just follow these simple steps:

1. If this is your first bet of the session, click on the 'New bet' button.
2. Click on the chip images you see in the bottom left hand corner of the screen to select a chip value.
3. Click again in the betting box at the bottom of the screen to place a chip.
4. Each extra time you click in the betting box, it will add another chip of the same value, so if you wanted to bet £15 you would select the £5 chip and then click the mouse three times in the betting box. Each time you click in the betting box you will see an extra chip added and your bet size increase by £5.

If have changed your mind about the bet you have placed then you can cancel either the last chip you placed by pressing "Cancel Last", or the entire bet by pressing "Cancel All".

Once you have placed your chips in the betting box there is no need to press confirm (in fact, there is no confirm button). Any chips in the betting box when the countdown reaches zero form the bet that you are placing.

You will only be allowed to place bets within the table limits, and you will find these minimum/maximum levels displayed clearly on the table.

Our Interface:

Our unique online interface allows you to play the hand your way while others play the hand differently. This means that while everyone will start with the same two cards, and the dealer will always start with the same starting cards, the betting is your decision.

You will win or lose the hand based solely on the decisions you have taken; the decisions other people take will have no impact on your hand.

Game Play:

Baccarat is played from an eight-deck shoe. All face cards and 10's have no value. Cards less than 10 are counted at face value, Aces are worth 1. Suits don't matter. Only single digit values are valid. Any count that reaches a double digit drops the left digit. 15 is counted as 5 and 25 is also counted as 5. An example of a hand is:

Player receives cards: Queen, 2, 9 = 0+2+9 = 11 = 1

To start, the players bet either on the Banker or the Player or a tie between the Bankers and the Players hands. The card dealer gives two cards each; first to the player and then the banker. The object of the game is to bet on the hand that you think will have the highest total value.

A third card may be dealt to either or both the player and the bank based on the following three-card-rules. It is not necessary to learn these rules to play, they are compulsory decisions and therefore automatic:

Player's third card rule:

* If the bank's total is 2 or less then bank draws a card, regardless of what the players third card is.
* If the banks total is 3 then the bank draws a third card unless the players third card was an 8.
* If the banks total is 4 then the bank draws a third card unless the players third card was a 0, 1, 8, or 9.
* If the banks total is 5 then the bank draws a third card if the players third card was 4, 5, 6, or 7.
* If the banks total is 6 then the bank draws a third card if the players third card was a 6 or 7.
* If the banks total is 7 then the bank stands.

Bank's third-card-rule

* If either the player or the bank have a total of 8 or 9 on the first two cards no further cards are drawn. The resulting hand is called a natural and the hand is over.
* If the player's total is less than or equal to 5 the player's hand draws a third card.
* If the player does not draw a third card, then the bank's hand stands on 6 or more and takes a third card on a total of 5 or less. If the player does take a third card

then the Bank's third-card-rule below will determine if the bank takes a third card.

Result Payout
Banker Win 1:0.95
Player Win 1:1
Tie Win 1:8

General Terms and Conditions

1. The general Terms and Conditions covering this website apply to this product. The rules pertaining to the Live Dealer Baccarat are in addition to, not an alternative from, Smart Live Casino's Terms and Conditions.
2. Only one account per customer.
3. Only players from jurisdictions where participation in online gambling is considered legal and acceptable under UK Gambling Commission Regulations may play at Smart Live Baccarat.
4. Employees of Smart TV Broadcasting, any of their respective group of companies, partners and suppliers are not permitted to play on SmartLive Baccarat.
5. Participant s must be over 18 years of age to play at Smart Live Baccarat.
6. Smart Live Baccarat is brought to you by Smart TV Broadcasting Ltd, 3rd Floor, 14-16 Regent Street, London, SW1Y 4PH.


7. i) In the event the there is a grand network disconnection during a hand which is the fault of SmartLive or one of its providers, every attempt will be made to restart the hand from the point of disconnection so that customers are able to complete the hand.
ii) If this restart is not possible, then all bets for that particular hand will be refunded. The total stake will be returned whether a player's hand was winning in potential, tied in potential, or was already bust.
8. i) In the event that a player suffers a local disconnection during a hand due to a third party source, the software will automatically 'stand' a player at the point at which the disconnection occurs, and the hand will be played out as normal.
ii) SmartLive Casino will not accept responsibility for any local disconnections which may occur due to a third party source, and subsequently any loss, or loss of profit in potential which may be suffered.


9. In the event of a misdeal or mis-scan of a card during a hand, we will take the hand back to the point when the misdeal took place where possible. This will allow players to complete the hand. If this cannot be achieved, then all bets will be declared void and all stakes returned to players.
10. In cases where players have already made a decision, and the immediately previous card needs to be cancelled or changed due to a misdeal/mis-scan, we will always endeavour to give the players the option to make a new decision once the correct card has been dealt. Where this is not possible all bets will be void.
11. If there is a discrepancy between the card shown on the video screen with the live dealer, and that which is shown on your betting display, the correct card is that which is on the video screen (i.e. the number/face value of the physical card turned over by the dealer, not that which appears on your screen). Any hands with a discrepancy should be played as such by the player. We will always either change the hand on the virtual table to that shown on the video, and in instances where this is not possible we void the hand and refund all wagers to all players.
12. In the event that a misdeal is only noticed (or brought to our attention) after the completion of a hand, we will make every attempt to investigate and subsequently ensure that players are not deprived of due winnings.
13. In situations where a card is inadvertently dealt and shown to customers before its turn, this card will not be burnt. To preserve the integrity of the deck this card will be placed next to the shoe, face down, and will be dealt at the same stage it should have been, had it not been shown to the players.
14. In the event that a card is inadvertently shown face-up in the shoe, this does not count as a misdeal; the card and hand will still be played as normal.

Chat rules

15. When using the chat function on the Live Dealer Baccarat product, you are implicitly agreeing to strictly abide by our chat rules.
16. You must not impersonate, harass, slander, or abuse any other person in chat. You may not use vulgar language, nor make racial, sexual or ethnic comments of any kind whatsoever.
17. Do not post anything that is, or could be construed as libellous.
18. You must not use the chat function to solicit any other players with requests for money, whether for yourself, or for companies, websites or charitable causes.
19. Smart Live Baccarat bears no liability to players for any activity occurring in the Chat Room which may cause any player to suffer loss, damage or distress of any kind.
20. We reserve the right to publish players' usernames, winnings and chat messages across any media platform at our discretion.
21. We reserve the right to edit or delete any and all chat messages which we consider to be in breach of these Terms.
22. We reserve the right to suspend, restrict or terminate your access to the service at any time without notice at our discretion where you are (or we suspect that you may be) in breach of these Terms.