Football season is in full swing — tailgates, rivalries, fantasy leagues, and Sunday afternoons glued to the screen. Alongside the highlights and heartbreaks, there’s another game playing out online: the rush to place bets.
Every break in the action brings another sportsbook promo — risk-free wagers, bonus bets, exclusive odds — flooding your feed and inbox. But what you don’t see between the ads and sponsorships is how much money is really in play, or how scammers have joined the lineup.
Last year, legally licensed online and retail sportsbooks took nearly $150 billion in bets, a 22.2% jump from 2023 according to the American Gaming Association. And with so much of that money flowing through apps and websites, scammers are finding creative new ways to cash in.
They’re setting up fake betting sites, phishing for logins, and spinning up unlicensed offshore platforms that operate without oversight. Even self-proclaimed “insider tipsters” are pitching guaranteed wins that never exist.
If sports betting is legal in your state and you’re planning to make some wagers this season, here’s how to keep your money — and your data — safe.
Is online sports betting legal in my state?
Since a U.S. Supreme Court ruling in 2018, individual states can determine their own laws for sports betting. Soon after, sports betting became legal in waves. In all, 39 states and Washington D.C. currently offer sports betting through licensed retail locations. Of them, 31 further offer legal sports betting through licensed online apps and websites. The map below offers a quick view as to how all that plays out.
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Even as online sportsbooks must be licensed to operate legally, be aware that the terms and conditions they operate under vary from service to service. Per the Better Business Bureau (BBB), that calls for closely reading their fine print. For one, you might come across language that says the company can “restrict a user’s activity,” meaning that they can freeze accounts and the funds associated with them based on their terms and conditions. Also, the BBB cautions people about those promo offers that are often heavily advertised, because “like any sales pitch, these can be deceptive.”
What do online betting scams look like?
Fake betting sites
This form of scam follows the same playbook scammers use for all kinds of bogus sites in general. They cook up a copycat site that looks like a legitimate betting site, create a web address that looks like it could be legitimate, and then flood the web with sponsored search results, ads, and social media posts to drive traffic to them. From there, scammers capture payment info and take bogus bets that they never pay out on. Once the site gets discovered as a scam, they pull it down and spin up other scam sites. With the aid of AI tools to help with the process, scammers can turn around scam sites quickly.
Sports app phishing scams
Scammers piggyback on legitimate betting apps and sites another way. They’ll create phony customer support sites that they promote online, with the addition of scam texts and emails to lure in victims. Under the guise of support, they gain a victim’s login info, hack the account, and clean out the victim’s cash.
Unlicensed offshore platforms
These form a gray area when it comes to scams. Some of these offshore platforms, while unlicensed, are legitimate to varying degrees. What makes them dangerous is that they have no regulatory oversight, which means they can do things like charge hidden costs, lock accounts, and refuse payment without users having any way to dispute those actions. Some of these platforms might have suspect security measures as well, which could lead to account hacks. And of course, some of these offshore platforms are simply fake betting sites, as mentioned above.
Handicapper scams
Earlier this year, the BBB shared word of a growing scam where self-proclaimed experts with “insider information to place sure-thing bets” reach out to victims via email and social media posts. Per the BBB, “A handicapper’s goal isn’t to win bets for their members, it’s to get people to buy their picks. Once you’ve purchased their picks, the handicapper has already won. It doesn’t matter if the pick wins or loses, the handicapper keeps the payment.”
Of course, that “insider info” is entirely fake. It’s all just a smokescreen to draw in victims.
Ready to place your bet online? Keep these things in mind.
1) Stick with legitimate betting sites and apps. Use only legal, regulated sportsbooks when you place a bet.
If you’re a sports fan, you probably know the names, like BetMGM, DraftKings, FanDuel, bet365 and Fanatics Sportsbook. In addition, check out the organization’s BBB listing at BBB.org. Here you can get a snapshot of customer ratings, complaints registered against the organization, and the organization’s response to the complaints, along with its BBB rating, if it has one.
2) Use a secure payment method other than your debit card. Credit cards are a good way to go when buying, or betting, online.
One reason why is the Fair Credit Billing Act, which offers protection against fraudulent charges on credit cards by giving you the right to dispute charges over $50 for goods and services that were never delivered or otherwise billed incorrectly. Your credit card companies may have its own policies that improve upon the Fair Credit Billing Act as well. Debit cards don’t get the same protection under the Act.
3) Protect yourself from fake betting sites and bogus offers.
You can steer clear from all kinds of fake sites and bogus offers with the combination of our Web Protection and Scam Detector, found in our McAfee+ plans. They’ll alert you if a link might take you to a sketchy site, and they’ll block those sites if you accidentally tap or click on a bad link.
In addition to the latest virus, malware, spyware, and ransomware protection, it also includes strong password protection by generating and automatically storing complex passwords to keep your winnings and payment info safer from hackers and crooks.
Editor’s Note:
If gambling is a problem for you or someone you know, you can seek assistance from a qualified service or professional. Several states have their own helplines, and nationally you can reach out to resources like or https://www.ncpgambling.org/help-treatment/.
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