Punto Banco Quick Overview
If you’ve played Baccarat, then it should all be straightforward! Punto Banco is a North American version of the card game Baccarat, which follows the same rules but comes with a much more advantageous RTP provided by iSoftbet. When we refer to the return to player percentage, we mean the theoretical percentage returned to the player determined over a longer period allotted to the game. Punto Banco online retains all the forms and features of land based casino play except the interaction. This is the only reason most players bypass it, but the game is as fun and effective as any other casino game.
Although the game’s name sounds a little intimidating, Punto Banco is an extremely easy game. Like its version, the Baccarat game, it only involves a few decisions, strategies, or rules. You’ll have to learn the basic rules and the available bets, and that’s about it. With the online game versions, once you’ve placed your bet, you only have to wait for the outcome. The third card is played automatically, and you cannot influence this. The game is supported with amazing RTP of 98.94%. You can find more similar Baccarat games clicking here.

Game Rules
Variations available online are provided by some of the most renowned casino software providers, NetEnt and iSoftBet. The differences between the two interpretations are only the RTP or the betting limits the operator offers. Punto Banco is played with 8 decks of cards, and the game aims to get as close as possible to the number 9 without exceeding it. Cards 2 to 9 keep their values, Aces are worth 1, and tens, jacks, queens, and spades are worth 0. The first two cards are dealt to the player – punto and the banker – Banco, and depending on the result, a third card can be placed automatically. The player’s decisions are only two, to place a bet on the player, banker, or tie and to choose the betting limits.
The game starts when the bet is placed, and two cards are dealt to both banker and the player. The winner is the one who has the number 9 or as close to nine as possible without exceeding it. If the first result is 9 for one of the participants, this hand is called natural and pays 1:1. If the first deal, the sum of the cards exceeds nine, e.g., 6 + 7 = 13, only the last number, i.e., 3, is taken into account and another card is dealt but under strict rules.
The rules are slightly different for the banker than for the player. If the player has a result from the first two cards of 0, 1, 2, 3, 4, or 5, the player is automatically dealt a third card. If the first result is a 6 or 7, no more cards are dealt; if the first result is an 8 or 9, it is called natural. The dealer follows other rules and will be dealt a third card only if the player has a result of 6 or 7 consisting of three cards. If the player has 6, 7, 8, or 9 from the first two cards, then the banker stands, without receiving another card, no matter how small the hand result is.
Punto Banco Paytable and Payouts
These differ between providers, but only by a little. A bet on the player’s hand can bring a payout of 1:1, as can a bet made on the banker but with a 5% minus for the initial bet. The Tie bet is the one that makes the difference, with a payout of 8:1 even up to 19:1, depending on the provider. The RTP and payout of this bet are the real reasons professional players play Punto Banco instead of other card games. For the beginner player, the game can seem daunting, even if they have tried a few rounds. That’s why we recommend testing all new games in their free form whenever possible. Punto Banco is an extremely easy game with simple, fixed rules, allowable betting limits, and a very high RTP, which makes it one of our favorite casino games.
Mobile Gambling
The mobile network is one of the most important concerns about gambling operators. Anytime, anywhere availability is a huge advantage for online casinos, which is why there is such a big focus on mobile gaming. Most operators offer equal services, both on the PC network and mobile. The games are equal in number, the offers are identical, and the user has an unbeatable experience as long as they have a good internet connection.
Game Strategies and Tips
Punto Banco is a table game, but unlike blackjack, no strategy can guarantee your winnings. Card counting is irrelevant in online variations, especially since it is played with 6 or 8 decks, and the cards are shuffled after each hand. Punto Banco is a slot game where only the luck factor has the last word. Many professional players rely on the draw bet, which pays 8:1 and comes with a 50% probability. Still, this strategy requires a large playing budget, and we do not recommend it to beginners.
One of the best strategies you can apply for all gambling is to set a budget you never exceed. If you exceed your limit, you will take the first step towards irresponsible gambling, and in time you will have serious repercussions.
Game Experience and Advice
The rules are extremely simple, even if, at first glance, the game seems confusing. The player only has a few decisions to make. Instead, they have to rely solely on luck. The high RTP accompanying it and the 8:1 payout for a draw make it one of Asia’s most favored games. If played at a reliable operator with an attractive welcome bonus, Punto Banco in the USA can conquer the industry just as easily. The key to success lies only in responsible play.
Title | Punto Banco |
Developer | iSoftbet |
Reels | N/A |
Rows | N/A |
Paylines | N/A |
RTP | 98.94% |
Volatility | Medium-High |
Max Win | x19 |