These terms set out the rules for using apk98 — covering your account, deposits in PKR, bonuses, sports betting, and responsible gaming. Please read them carefully before you start playing.
A summary of the main areas covered in the full terms below — please read each section in full for complete details.
You must be 18 years or older to register and use apk98. One account per person only. Duplicate accounts will be suspended and any balance held pending review.
All transactions are processed in PKR. JazzCash, Easypaisa, Raast, bank transfer, and cards are supported. Minimum deposit and withdrawal amounts apply and are shown in your account dashboard.
Bonuses come with wagering requirements. Attempting to withdraw bonus funds before meeting these requirements will result in bonus removal. One welcome bonus per household.
All bets are final once confirmed. Minimum and maximum stake limits apply per market. In the event of a void market, stakes are returned. PSL and cricket markets follow standard cricket betting rules.
Using multiple accounts, abusing bonuses, placing bets to circumvent wagering requirements, or any form of fraud will lead to account suspension and forfeiture of any balance.
Players can set deposit limits, session time reminders, and self-exclusion at any time from account settings. apk98 is intended for adult entertainment only — never gamble with money you cannot afford to lose.
These Terms and Conditions ("Terms") govern your access to and use of the apk98 platform, including the website at apk98.pro, any mobile-optimised version of the site, and all services offered through it — including the casino, live casino, sports betting, and any promotional offers. By creating an account or using any part of the apk98 platform, you confirm that you have read, understood, and agreed to these Terms in full.
If you do not agree with any part of these Terms, you should not register an account or use apk98. These Terms form a binding agreement between you and apk98. Any reference to "we", "us", or "the platform" means apk98. References to "you" or "player" mean the registered account holder.
Important: These Terms are written in plain English to make them as clear as possible for our players in Pakistan. If you have any questions about a specific clause, please contact our support team before placing any bets or making a deposit.
You must meet the following requirements to register and maintain an account on apk98:
We reserve the right to ask for identity verification documents at any point — including a copy of your national identity card (CNIC), proof of address, or payment method verification. Your account may be restricted until verification is completed. This is a standard process to protect both players and the platform, and most verifications are completed within 24 hours.
Age Verification: If we have reason to believe a player is under 18, we will suspend the account immediately and may request documentary proof of age. Any winnings generated during an underage period will be void and not paid out.
You are solely responsible for keeping your login credentials — username, password, and any PIN or two-factor authentication code — confidential. Do not share your login details with anyone, including people you trust. apk98 will never ask for your password via chat, email, or phone.
Any activity carried out using your login credentials is considered your responsibility. If you suspect your account has been accessed without your permission, contact our support team immediately through live chat so we can place a temporary hold on the account while the matter is investigated.
Using someone else's payment method to fund your account — even with their verbal permission — is not allowed. Your deposit method must be registered in your own name. Violations of this rule may result in account closure and the return of all deposits made via third-party payment methods.
All transactions on apk98 are conducted in Pakistani Rupees (PKR). We do not accept foreign currency deposits, and there are no conversion fees or exchange rate risks to manage on your end — what you deposit is what appears in your balance.
apk98 currently supports the following deposit and withdrawal channels for players in Pakistan:
JazzCash and Easypaisa deposits are usually credited within a few minutes. Bank transfers and Raast payments typically settle within the same business day. Withdrawal requests submitted by players are processed from our side within 24 hours in most cases. JazzCash and Easypaisa withdrawals tend to complete end-to-end faster than bank transfer withdrawals, as mobile wallet settlement is near-instant once approved.
Minimum and maximum deposit and withdrawal amounts are displayed in your account dashboard at the time of the transaction. These limits may vary depending on your chosen payment method and your account's verification status. VIP players may be eligible for higher withdrawal limits — see the VIP section for details.
Withdrawal requests are subject to a basic identity check before processing. If your account has not yet been fully verified, completing verification in advance will help avoid any delays when you request a withdrawal.
apk98 offers a range of bonuses and promotions including a welcome deposit bonus, reload offers, free spins, sports betting cashback, and VIP-exclusive rewards. All bonuses are subject to the terms described in this section, plus any specific terms listed in the individual promotion page.
New players are eligible for a 100% first deposit match bonus up to PKR 30,000. To qualify, the deposit must meet the minimum threshold shown at the time of the offer. The welcome bonus is available once per player, per household, and per payment method. If we identify that multiple accounts have been created to claim the welcome bonus more than once, all accounts involved will be suspended.
Bonus funds come with wagering requirements — this means you must wager the bonus amount a specified number of times before any winnings tied to the bonus can be withdrawn. The exact multiplier is stated on the relevant promotion page. Casino slots, table games, and sports betting may contribute differently towards completing wagering requirements. Live casino games may have reduced contribution rates — check the promotion terms for specifics.
Honest advice: Wagering requirements exist to prevent abuse of bonus funds. Read the full terms of any promotion before claiming — especially the wagering multiplier and eligible games — so you know exactly what is needed before you can withdraw.
The apk98 sportsbook covers cricket, Pakistan Super League (PSL), T20 internationals, Football, and Esports. The following rules apply to all sports betting activity on the platform.
A bet is considered placed and confirmed once you receive an on-screen confirmation and your stake has been deducted from your account balance. It is your responsibility to check the bet details — including the event, market, selection, and stake — before confirming. Bets cannot be cancelled or amended after confirmation except in specific circumstances described below.
Minimum and maximum stake amounts apply per bet and per market. These limits are shown on the bet slip before you confirm. Maximum payout limits also apply — if a potential payout exceeds the maximum, the stake will be automatically adjusted. Limits may vary by sport, market type, and event.
In-play betting on cricket — including PSL matches, T20s, and international fixtures — allows you to place bets during a live match. Odds on live markets update in real time and reflect current match conditions. There may be brief periods during a live match when betting is suspended — for example, during a wicket, a review, or a weather delay. All in-play bets placed before a suspension are valid and will stand.
If a market is declared void — due to an event being cancelled, abandoned, or for any other qualifying reason — all stakes on that market are returned to player balances in full. For cricket matches affected by rain, the standard Duckworth-Lewis-Stern (DLS) rules apply where relevant. PSL matches that are abandoned without completing the minimum required overs will typically be declared void unless the official competition result stands.
If a price is offered as a result of a technical error or obvious mistake — for example, a decimal odds figure that is clearly incorrect — apk98 reserves the right to void any bets placed at that price and return stakes. We make every effort to set accurate odds across all markets, and genuine pricing errors of this kind are rare.
The apk98 casino section includes slots, table games (Roulette, Blackjack, Baccarat, and others), and a live casino with real dealers streaming in real time. All casino games use certified Random Number Generator (RNG) technology, or in the case of live games, real physical equipment operated by trained dealers. Return to Player (RTP) percentages for individual games are available in the game information panel.
Casino games are for entertainment only. Outcomes are determined by chance — no strategy, system, or pattern of play can guarantee consistent winnings over the long run. Playing the casino should always be within a budget you have set in advance and are comfortable losing.
The following actions are strictly prohibited on apk98 and may result in immediate account suspension, permanent ban, and forfeiture of any account balance:
Account Suspension: Where prohibited conduct is identified, apk98 reserves the right to immediately suspend the account, withhold any pending withdrawals, and pursue recovery of any funds that were obtained through prohibited means. In serious cases, we may refer matters to relevant authorities.
apk98 collects and processes personal data — including your name, date of birth, contact information, and payment details — for the purpose of operating your account, processing transactions, verifying your identity, and communicating with you about your account and promotions. Your data is handled in accordance with our Privacy Policy, which is available at Privacy Policy.
We do not sell your personal data to third parties for marketing purposes. Data may be shared with payment processors, identity verification partners, and fraud prevention services strictly as required to operate the platform. By creating an account, you consent to this processing.
apk98 is committed to providing a safe environment for adult players. We provide a number of tools to help you stay in control of your gaming activity:
These tools are available in your account settings under Responsible Gaming. If you feel your gaming is becoming more than entertainment — if you are chasing losses, betting with money set aside for essential expenses, or feeling anxious when you are not playing — please use these tools and consider speaking to a trusted friend or family member.
For more detail on our responsible gaming approach, visit the Responsible Gaming page.
Gambling is entertainment, not a reliable source of income. Only ever play with money you can comfortably afford to spend on entertainment. 18+ only.
apk98 provides the platform on an "as available" basis. While we work to maintain uptime and reliability, we cannot guarantee uninterrupted access at all times. Scheduled maintenance and unexpected technical issues may occasionally affect availability — particularly during high-traffic periods such as PSL finals or major cricket internationals.
To the maximum extent permitted, apk98 is not liable for any loss of profits, loss of opportunity, or indirect losses arising from the use of the platform. Our liability to you in connection with any single incident is limited to the amount of your account balance at the time of that incident.
We are not responsible for internet connectivity issues on your end, device compatibility problems, or delays caused by your bank or mobile wallet provider during a payment transaction.
apk98 may update these Terms from time to time. When we make material changes, we will notify registered players via email or an in-account notification. Continued use of the platform after the effective date of updated Terms constitutes acceptance of those changes.
If you do not accept a change to the Terms, you should stop using apk98 and contact support to request account closure. The most current version of the Terms is always available at /terms-conditions.
If you have any questions about these Terms, your account, a transaction, or any aspect of the apk98 platform, the support team is available 24/7 via live chat inside your account dashboard. The FAQ section also covers many common questions and is available at /faq.
For written enquiries, you can reach the apk98 team at [email protected] — please include your registered username and a clear description of your question so we can assist you as quickly as possible.
Quick answers to the most common questions players ask about these Terms and Conditions.