m98 Frequently Asked Questions and Answers

Yes, the m98 platform works on Android and iOS phones through a mobile browser. No app download needed — just open your browser and play directly. Your game records won't be lost even if your phone disconnects. For a smooth experience, we recommend playing on Wi-Fi or a stable 4G/5G connection.

2D refers to the 2-digit lottery. Results are based on the official lottery draw announcements in Myanmar. m98 does not announce 2D results itself — it only displays the official draw results. m98 will never give number predictions or tips — the result follows the official announcement only.

In Shan Koe Mee, each player is dealt three cards and the last digit of the total card value is taken as the score. Scores matching 9 share the winnings. The player with the highest card total wins from the Dealer. You can play with a live Dealer in the Live Casino section, and full game rules are available on the game page.

3D is the 3-digit lottery, where you pick three numbers in the correct order. The payout rate is higher than 2D, but it is harder to get right. The result mechanism works the same way as 2D — m98 does not generate results itself, it only announces the official results. Make sure you understand how 3D works before betting large amounts.

To deposit with KBZPay, transfer money to the phone number or QR code provided by m98 Support through the KBZPay app. After the transfer, send a screenshot of the transaction to Live Chat. The minimum deposit is 20,000 Ks and funds normally reach your account within minutes. If you don't send the screenshot after transferring, processing may be delayed.

Deposit methods at m98 are KBZPay, Wave Money, AYA Pay, CB Pay, and Bank Transfer. The minimum deposit for all these methods is 20,000 Ks, and you can deposit 24 hours a day, 7 days a week. If you run into any issue with a deposit, 24/7 Live Chat support is there to help right away.

To deposit with Wave Money, transfer money to the Wave Money number provided by m98 Support through the Wave app. Once the transfer is done, take a screenshot of the Transaction ID and send it to Live Chat. Your account will be topped up immediately after confirmation. The minimum deposit is 20,000 Ks, and you should only get the number from Support.

The minimum deposit at m98 is 20,000 Ks regardless of payment method — KBZPay, Wave Money, AYA Pay, CB Pay, and Bank Transfer all share the same minimum. The minimum withdrawal amount is 30,000 Ks, and withdrawals are processed within 30 minutes to 3 hours.

An accumulator (Acca) combines multiple matches into a single bet, and you only win if every selection is correct. If one match is wrong, the entire bet is lost. Odds are multiplied together, so potential payouts can be much higher than single bets — but players who bet quickly should be careful.

For Decimal Odds (e.g. 2.50), multiply your stake by that number — 1,000 Ks × 2.50 = 2,500 Ks returned. For a Handicap (goal advantage/disadvantage), the pre-set goal difference is added to the final score to determine the result. For example, if Team A is given a -1 Handicap, Team A must win by two or more goals for the bet to win. While exact figures will vary, you can always calculate using this method.

Once the match ends and the official result is announced, m98 automatically checks and settles winnings, and any payout is added to your account right away. If the Bet History section shows "Settled", it means your winnings have been processed. If a match is cancelled or there are any changes, m98 Support will handle it. You can contact Live Chat if you have any questions.

Yes, m98 offers betting on many football leagues worldwide, including EPL (English Premier League) and MNL (Myanmar National League). Champions League and FIFA World Cup matches are also available. You can bet Pre-Match or In-Play using markets like Match Winner, Handicap, Over/Under, and Both Teams to Score.

In Live Betting (In-Play), odds change quickly along with the match, so always check the time and odds once more before placing your bet. There is a limited window to cancel a placed bet, so make your decision fast, stay decisive, and play on a stable connection. Set a budget in advance and bet without rushing.

KYC is in place to prevent financial fraud, unauthorised access to accounts, and fake account activity. m98 uses this process to protect players' funds and ensure the safety of the platform. This check is for the benefit of players, so there is no need to worry.

m98 may carry out KYC verification when you make your first withdrawal, when transaction amounts become large, or when suspicious activity related to account security is detected. You will be notified in advance and guided through the process via Live Chat, so it can be completed smoothly.

When withdrawing at m98, the name registered on your playing account must match the name on the bank or e-wallet account receiving the funds. For example, if you registered as Min Myat Twe, your KBZPay account must also be in the name Min Myat Twe. A mismatch may delay your withdrawal. Please check before registering.

m98 stores personal information securely with SSL encryption and uses it only for KYC verification. It is not sold or shared with third parties and is handled in accordance with the Privacy Policy. You can read the details in the Privacy Policy.