The 91 Club app has emerged in recent years, primarily in the real-money gaming and “colour prediction” or mini-casino‐type app space. It markets itself as an opportunity to “earn while you play” by participating in games with payouts, referring friends, and placing small bets. At first glance it may seem like a fun side gig — but there are several red flags and risks users should be fully aware of before downloading or depositing any funds.

How 91 Club Works: The Business & Game Model

According to multiple reviews, 91 Club offers a variety of game types:

• Colour-prediction games (e.g., betting on whether the next result is red, green or violet)
  
  

• Casino-style mini games, slots, cards like rummy/teen patti, “Aviator” type games, and other quick-play formats.
  
  

• A referral system where inviting others can yield bonuses.
  
  

• Withdrawal and deposit features, although these appear to be contested by users.
  
  

Typically a user is required to download an APK (for Android) from a website rather than an official app store, register using a mobile number, deposit money, play games, and attempt to withdraw earnings or use referral bonuses. 

User Feedback & Complaints: What People Are Saying

User reviews and expert commentary raise multiple concerns:

• Withdrawal issues – Many users report that small withdrawals might succeed initially, but once a certain threshold is crossed, withdrawals are blocked, delayed or require further deposits.
  
  

• Transparency & licensing – There is little publicly available information about who runs the app, what licenses it holds, or how the games are audited for fairness.
  
  

• APK risks – Because the app often requires downloading from third-party sites (and isn’t available via Google Play or Apple App Store), there are elevated risks of malware, data collection or device vulnerability.
  
  

• Referral trap / deposit spiral – Some users report being encouraged to deposit more money after initial “small wins” and told that a bigger deposit is needed to unlock higher earnings or withdrawals.
  
  

• Legal and regulatory ambiguity – Many reviews suggest the app operates in a grey zone of online gambling laws in user jurisdictions, raising the question of the user’s legal protections.
  
  

One Reddit user described their experience with 91 Club and a related “Boeing Software” promise:

“They asked to deposit 1k … after I did they said deposit 3k … but it seems unusual. Nobody returned.” 

These types of reports raise serious caution for anyone considering the platform.

Regulatory & Legal Considerations

When evaluating an app like 91 Club, it's important to consider the regulatory environment:

• In many jurisdictions, online gambling or real-money gaming via apps may be subject to strict licensing and regulation (or even prohibition). If a platform lacks visible legitimate licensing, user recourse for issues is limited.
  
  

• Multiple domain names and frequent changes raise red flags about stability and oversight. For example, reports note many “91 Club” domains, which complicates knowing which is official.
  
  

• Because it requires APK downloads outside official stores, the app avoids some of the security vetting that platforms like Google Play impose. This means increased risk of malware or data compromise.
  
  

• If you deposit funds and face a dispute, many apps operating in grey zones may not provide transparent contract terms, KYC procedures, or verifiable payout policies, leaving you vulnerable.
  
  

Why Some Users Are Drawn to 91 Club

Despite the risks, there are understandable reasons some users are attracted:

• The promise of quick earnings from casual play or referral bonuses can be compelling, especially in regions with limited income opportunities.
  
  

• The app interface and marketing appear polished, offering large-number payouts, colorful graphics, and easy access. Initial withdrawal successes (sometimes of small amounts) lend credibility.
  
  

• Referral systems can create social viral loops: you invite a friend, they deposit, you get a bonus, which encourages more users and more deposits.
  
  

However, it's critical to differ promises from long-term realistic outcomes.

The Risks: What You Could Lose

• Money risk: You may deposit funds and not be able to withdraw them, or be pressured into depositing more to “unlock” your winnings.
  
  

• Data & device risk: Installing APKs from unofficial sources increases exposure to malware, data theft or compromised device security.
  
  

• Legal risk: If gambling via the app is not legal in your region, you may have no legal protections, and your funds may not be recoverable.
  
  

• Addiction risk: Games that promise earnings can become psychologically addictive, leading to impulse deposits, chasing losses, and financial strain.
  
  

• False expectations: Initial “winning” micro-transactions may be used by the platform to build trust, while later ceilings or obstacles prevent meaningful cash-outs.
  
  

What to Do If You’re Considering 91 Club

If you’re still curious about 91 Club, here are some suggested precautions:

• Start with no money or only a very small amount you can afford to lose.
  
  

• Verify the legitimacy: search for company details, licensing, independent reviews.
  
  

• Avoid downloading APKs from unknown sites — check the source and any user-reported malware.
  
  

• Review the terms for deposit, withdrawal, referral, game fairness — if it’s unclear or hidden, that’s a warning.
  
  

• Be extremely cautious if asked to deposit more funds to “unlock” withdrawals.
  
  

• Keep documentation: screenshots of deposits, game results, communication with support.
  
  

• Check whether online gambling is legal in your jurisdiction and what protections you have if things go wrong.
  
  

• Consider alternatives: regulated gambling platforms, or entertainment options where no real money is at risk.
  
  

Final Verdict

91 Club presents itself as an exciting gaming/earning app with seemingly low barriers to entry and high potential rewards. However, the combination of user complaints, regulatory ambiguity, withdrawal issues and security concerns suggest it carries significant risk. While it may not be a clear-cut scam (some users do report small payouts initially), the long-term reliability and fairness are highly questionable.

If you choose to engage with 91 Club, you must treat it as a high-risk platform rather than a safe income source. Your deposit should be an amount you are prepared to lose entirely — rather than a reliable investment. In many cases, the safer and more prudent approach is to avoid such high-risk apps altogether and seek more transparent, regulated options for gaming or income.

Bottom line: 91 Club might seem appealing for its “earn while you play” promise, but the evidence suggests you should approach with caution, do your homework, and protect your money and data above all.