Baccarat, and its European counterpart, Chemin de Fer, are played in casinos throughout the world. Those participating in the game place a wager on either the BANK or the PLAYER. Two hands, of two cards each, are dealt from the baccarat “shoe”. Later, a third card may be required for either hand.Â The first hand represents those betting on the PLAYER, the other betting on the BANK.The winning hand is the one which totals the closest to 9. Tens, cards totaling ten, or picture cards count as nothing or zero. All other cards count as their face value. If the cards total a two-digit number, the last digit counts as the value of the hand.