It depends on which soccer bet they placed. If they bet on the match winner in regular time , the result is usually settled after 90 minutes plus stoppage time, so a game that later goes to penalties is still treated as a draw for that market.

How it usually works

  • Regular-time moneyline / 1X2 bets: penalties usually do not count.
  • “To qualify” or “advance” bets: penalties do count, because the bet is on who moves on.
  • “Lift the trophy” or “win the cup” bets: penalties do count.
  • Penalty shootout-specific bets: those are settled on the shootout itself.

Simple example

If Team A and Team B are tied after 90 minutes, and Team A wins on penalties:

  • A bet on Team A to win the match can lose if it was a regular-time bet.
  • A bet on Team A to qualify wins.

Why people get confused

In soccer, a “tie” can mean different things depending on the market: regular time only, extra time included, or full progression through penalties. The key detail is always the wording on the bet slip or market rules.

Quick rule

Ask one question: “Was I betting on the 90-minute result, or on who advances?”
That usually tells you whether penalties count.

TL;DR: If they bet on a tie or a regular-time result, penalties usually don’t matter; if they bet on who advances, penalties usually do count.