The three most popular variants of Baccarat are punto banco (or "North American baccarat"), baccarat chemin de fer, and baccarat banque (or "à deux tableaux"). The first one is a game of pure chance, with no skill or strategy involved as the moves of players are forced by the cards they receive. In baccarat chemin de fer and baccarat banque players can make choices, so skill has a role. Whatever the variant you play is, the winning odds are in favour of the bank, with a house edge no lower than 1 per cent.