❓ Questions & Answers
fhm95 Frequently Asked Questions
Find clear answers to common player questions here, covering football betting, how to deposit, KYC verification, and how to use the site on your device.
Whether you're new to fhm95 or an experienced player, this FAQ page organises the most common questions by category. It covers how to place football bets, how to deposit with KBZPay, how to play on a mobile browser, and what documents you need for account verification. Use the main headings below to browse by topic. If you'd like to ask us directly, you can reach us anytime through 24/7 Live Chat.
Football Questions
Yes, fhm95 offers betting on EPL (English Premier League), MNL (Myanmar National League), and many other major football leagues worldwide. You can also place live bets during matches, so you are not limited to pre-match betting. Browse the available matches and pick the game and market you want.
Handicap betting levels the playing field between a stronger and a weaker team. For example, if Team A is given a −1 handicap, Team A must win by 2 or more goals for your bet to win. When odds are shown in decimal format, a figure like 1.90 means you get 1.90 Ks back for every 1 Ks you bet. If you have any questions, our Live Chat team can walk you through it.
Results are settled shortly after a match ends, once confirmed by official sources. If a match is cancelled or suspended, that match is settled at odds of 1.00. If you have any questions about result settlement, contact us via Live Chat.
An accumulator combines multiple matches into a single bet, and every selection must win for you to collect. The potential payout is much higher than single-match bets, but if any one match loses, the entire bet is lost. At fhm95 you can combine from two matches up to the maximum number of supported selections.
If one match in your accumulator is voided, that selection is settled at odds of 1.00 and the remaining selections are used to calculate your payout. Your accumulator will not be cancelled entirely — you can still win if the rest of your selections are correct. See the Terms and Conditions page for full details on void match settlement.
Devices & How to Use
When your connection drops and you reconnect, the platform will try to resume the game from where it left off. For slots and live casino games, if a spin was already completed before the disconnection, the result is recorded on the server so you will not lose your money. If the problem persists, contact us via 24/7 Live Chat.
If you are using Chrome, tap the menu (⋮) in the top-right corner, then go to Settings > Privacy and security > Clear browsing data. Check "Cached images and files" and tap Clear data. On Samsung Browser, go to Settings > Personal browsing data > Delete browsing data. After that, open fhm95 again — the speed should be back to normal.
fhm95 works on Android 8.0 (Oreo) and above, and iOS 13 and above, using Chrome, Safari, or Samsung Browser. No separate app download is needed — you can play all games directly through your web browser. If you experience issues on an older version, we recommend updating your browser.
Yes. fhm95 is designed to work on mobile browsers, so you can play Live Casino games, slots, and place football bets without an app. For the smoothest live streaming experience, a 4G or WiFi connection is recommended.
Yes, you can. Open the fhm95 website in Chrome, tap the menu (⋮) > "Add to Home screen". On iPhone Safari, tap the Share icon > "Add to Home Screen". This places an icon on your Home Screen just like an app, so you can open fhm95 with a single tap.
How to Deposit
The minimum deposit at fhm95 is 5,000 Ks via KBZPay, Wave Money, AYA Pay, or bank transfer. The minimum withdrawal is 20,000 Ks. You can deposit between 5,000 Ks and 620,000 Ks, and a welcome bonus is available on your first deposit.
fhm95 does not charge any deposit fees. However, any fees charged by KBZPay, Wave Money, or your bank for the transfer are their own policy and have nothing to do with fhm95. The full amount you deposit should appear in your account, so if the amount is incorrect, please contact us via Live Chat.
Keep your transfer proof (KBZPay transaction screenshot or bank receipt) and contact our 24/7 Live Chat. Let us know the time, amount, and method of your deposit. After a standard check, we'll update your account shortly. Please first confirm that you used the correct account number when depositing.
fhm95 supports 4 deposit methods: KBZPay, Wave Money, AYA Pay, and Bank Transfer. The same methods can be used for withdrawals, which are processed within 1 hour. Deposit processing times can range from 1 to 24 hours depending on bank operating hours, but are generally fast.
Log in to your fhm95 account and open the Deposit menu. Select KBZPay, then transfer from your KBZPay app to the fhm95 KBZPay number shown. After the transfer, copy the Transaction ID and enter it in the deposit form. Keep a screenshot as well — you'll need it as proof if any issue comes up.
Documents & Verification
We carry out KYC (Know Your Customer) checks to protect players' account security and prevent financial fraud. This keeps your account and funds safe from third-party access. KYC verification is required for any financial transactions at fhm95.
KYC is typically requested when you make a withdrawal or when processing your first few withdrawals. It may also be requested if unusual activity is detected on your account. This is a standard process to protect your account.
Both an NRC (National Registration Card) and a Passport are accepted. Any Myanmar-issued, non-expired NRC or Passport is eligible. A clearly taken photo where your name, date of birth, and photo are all easy to read will be processed faster.
fhm95 stores documents submitted by players with SSL encryption and uses them only for KYC verification. They will not be shared with third parties and are protected in accordance with our privacy policy. You can read more about how personal data is handled on the Privacy Policy page.
Check the reason for the rejection — if the photo is too dark, retake it in a brighter spot. Make sure all four edges of your ID card are visible. Once corrected, resubmit through Live Chat and our team will help review it. If you believe the rejection was an error, you can raise a dispute and explain the issue.
A photo NRC or Passport is the primary document accepted for KYC. If you don't have one or it is damaged, please contact us first through 24/7 Live Chat — our team will walk you through any possible options on a case-by-case basis.
Contact us for help
If you have a question not covered in this FAQ, reach out to fhm95 via 24/7 Live Chat or Email. Our team responds in Burmese and is ready to help.
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