The role of the bank can be played differently and this the main difference between different Baccarat variations. In Baccarat Chemin de Fer different players play the role of the banker, which passes form player to player in the clockwise direction every time the shooter loses. The banker will be provided with funds by the bank. If you don’t want to play the role of the banker it will be automatically passed to the next player. Each Baccarat game has the same principle. The player’s hand is to be as close to 9 as possible. In Chemin de Fer, the banker deals four cards for each of the players and for himself; each participant now turns over the cards and adds the numbers on each together. If your total is lower than 5 you’d better draw, if the total is 5 or higher you’d better stand. The total of the hands is then compared and the player with the best hand (closest to 9) wins.

There are a lot of questions and disputes about the origin of Punto Banco. Punto Banco is said to have originated from George Raft’s Capri casinos in Cuba. In Las Vegas Punto Banco was brought by Tommy Renzoni in the late 1950s. Renzoni wrote that his game owed its roots to European "Chemin de Fer" via Argentina. He claimed that the night of the game's first modern American play, the Sands casino lost 0,000. In Italy the game of Baccarat appeared in the 1480s from a deck of tarot cards. If translate form Italian the word ‘baccarat’ means ‘zero’, the game got the same name as the value of most cards is zero. According to early stories about Baccarat the game appeared long ago and it is based on Etruscan ritual of the nine gods, who prayed to a blonde virgin on their tiptoes waiting for her to throw a nine-sided die. Her fate was dependent on the result of the die. If 8 or 9 was rolled she became a priestess of these gods. If she threw a six or seven, she would be banned from any further religious activities. If any other number was rolled she could walk into the sea.
Later, in the 1550s the game was introduced to the French public and got a new name. It was called ‘Chemin de Fer’. Some people say that it was France, where the game appeared. Later the game of Baccarat moved from France to Argentina. Then it was played in casinos of Mar Del Plata.