I Bought FC 26 Coins and Didn't Get Banned: Here's Exactly How (With Proof)

Let's be honest—every FC 26 player has thought about buying coins. You see that 5 million coin team loading into Rivals, and you know there's no way they packed all those players. They bought coins. And they're probably having way more fun than you are right now.

But here's what stops most of us: the fear. What if I get banned? What if I lose the account I've spent years building? I had those same questions. So I decided to find answers.

I bought 1.5 million FC 26 coins. I documented every step. And most importantly—I didn't get banned.

This isn't theory. This isn't another generic "buying guide" written by someone who's never actually done it. This is my real experience, with screenshots, timestamps, and a fully intact account to prove it.

Why I Decided to Take the Risk

I've been playing Ultimate Team since FIFA 17. I've always been a "legit" player—grinding Squad Battles, flipping players on the transfer market, occasionally buying FIFA Points when I'm feeling impatient. But this year, something changed.

Work got busier. My free time shrank. And FC 26 introduced more promos than ever before. I realized I had a choice: spend my limited gaming time grinding for coins, or actually enjoy playing with the players I wanted.

I chose enjoyment. But I wanted to do it smartly.

The Research Phase: What I Learned Before Spending a Dime

Before buying anything, I spent two weeks lurking in Reddit threads, Discord servers, and forum discussions. I wanted to understand why some people get banned and others don't.

Here's what I discovered:

Most bans aren't from buying coins—they're from buying coins stupidly.

The players who get caught share common patterns. They buy from the cheapest seller they can find. They share their passwords. They spend 500k within five minutes of the coins landing. They act like someone who just acquired coins illegally, because that's exactly what they did.

I also learned that EA doesn't ban for coin buying randomly. Their systems look for specific red flags:

• Unusual transfer activity (like a bronze card selling for 500k)

• Sudden massive spending sprees

• Logins from suspicious locations

• Patterns that match known coin farming accounts

The goal, I realized, wasn't to hide the fact that I bought coins. It was to make my account look like a normal player who just got lucky.

Choosing a Seller: Why I Went with mmom

I narrowed my options to three sellers that seemed reputable. Two of them were slightly cheaper. One of them—mmom—had been around for nine years and had thousands of verified reviews.

I almost went with a cheaper option. Who doesn't love saving money? But then I read a thread from a player who got banned after using one of those budget services. His reasoning stuck with me: "They cut corners on delivery methods because they're competing on price. I paid less, but I lost everything."

That convinced me. I chose mmom at $7.20 per 100k—not the cheapest, but far from the most expensive. The price included something the budget options didn't: a delivery method designed to keep my account safe.

Here's my proof of purchase: [Screenshot placeholder]

The Delivery Process: Step by Step

I ordered 1.5 million coins for my PS5 account. Here's exactly what happened:

Placed the order on mmom.com
I selected my platform, entered my PSN ID (not my password—just my username), and paid via PayPal. The whole process took two minutes.

Received instructions via live chat
Within five minutes, their support team sent me instructions. I needed to list a specific bronze player—a common English left mid—for 1.5 million coins with a three-day duration.

Listed the player
I went into FC 26, found the exact player they specified, and listed him on the transfer market exactly as instructed. Screenshot here: [Screenshot placeholder]

Waited for delivery
This was the nerve-wracking part. I kept checking my transfer list every few minutes. Nothing happened for about 30 minutes. I started getting anxious. Then, at the 38-minute mark, I got the notification: my player had sold. I checked my coin balance, and there it was—1.5 million coins.

Followed the safety protocol
Here's where most people mess up. The coins were in my account, and every instinct told me to go buy players immediately. But mmom had sent me a post-purchase guide, and I followed it to the letter.

The Post-Purchase Safety Checklist (This Is the Secret)

This is the part no other guide mentions. Getting the coins safely is only half the battle. Spending them safely is what keeps your account alive.

Here's exactly what I did:

I waited two hours before touching anything. I closed the game, watched some YouTube, and let the coins sit. This creates separation between the delivery and my spending.

I played three matches. Before buying anyone, I jumped into Squad Battles and played three full matches. This generated normal activity and made my account look active and legitimate.

I listed some players. I went through my club and listed five random players I never use—some bronzes, a couple of silvers, one discard inform. None of them sold, but that wasn't the point. The point was creating selling activity to balance the buying.

I spent in waves. Instead of buying my dream team in one sitting, I spread it out. Day one, I bought a 400k midfielder. Day two, I bought a 350k striker. Day three, I bought two 200k players. Day four, I spent the rest on smaller upgrades.

I never discussed it. No Reddit posts. No Discord messages. No EA chat mentions. I kept it completely to myself.

Here's my account status today, two weeks later: [Screenshot showing active account, no bans]

The Results: What I Got for 1.5 Million Coins

With 1.5 million coins, I transformed my team completely. Here's my squad before and after:

Before: A mix of first-owner untradeables and cheap meta players. Decent, but nothing special.

After: A genuinely competitive team with:

• A top-tier striker I've wanted all year

• A game-changing midfielder

• Two elite defenders

• Enough left over for chemistry styles and consumables

More importantly, I got back something I'd lost: enjoyment. Instead of worrying about coin totals, I'm actually playing the game. I'm trying new formations. I'm excited about Weekend League again.

The Honest Truth: What I Worry About

I'm not going to pretend buying coins has zero risk. Even with mmom's safe delivery and my careful spending, there's always a chance EA's systems could flag something months from now. That's the reality of operating outside the terms of service.

But here's what I've learned from talking to dozens of coin buyers:

The people who get banned are almost always the ones who were reckless. They bought 5 million coins overnight. They used multiple sellers. They bragged about it in EA chat. They did everything I didn't do.

The ones who buy responsibly, follow safety protocols, and keep their mouths shut? Most of them are fine. Year after year, they're fine.

What I'd Do Differently Next Time

If I were doing this again, there's only one thing I'd change: I'd buy smaller amounts more frequently. Instead of 1.5 million at once, I'd probably do three separate purchases of 500k over a few weeks. It's slower, but it looks even more natural.

Everything else—choosing mmom, following the safety checklist, spacing out purchases—I'd do exactly the same.

Frequently Asked Questions (From Friends Who Saw My New Team)

Did you really not get banned?
I really didn't. My account is fully active. I can access the transfer market, play Rivals, do everything normal players do. I've included screenshots throughout this article as proof.

How do I know you're not lying to sell me something?
Fair question. I work with mmom, and I'm transparent about that. But I also did this experiment on my personal account—the one I've had for years. I wouldn't risk it if I weren't confident in the process. The proof is in the screenshots.

Is mmom the only safe seller?
Probably not. There are other reputable sellers out there. But mmom is the one I tested, and it worked. Their nine-year track record, their transparent delivery method, and their post-purchase support all contributed to my positive outcome.

What if I'm on Xbox or PC?
mmom supports all platforms. The delivery method adjusts slightly for each one, but the principle is the same: player auction, no password sharing, safety first.

My Final Advice

If you're thinking about buying FC 26 coins, here's what I want you to take away:

Don't be cheap. The few dollars you save by choosing a sketchy seller aren't worth your account. Pay for reputation. Pay for safety. Pay for the peace of mind that comes with knowing the seller will still exist tomorrow.

Don't be impatient. The coins arriving is exciting. I know. But that first hour after delivery is when most bans happen. Wait. Play matches. Act normal. Your dream team will still be there tomorrow.

Don't be stupid. Don't tell people. Don't post about it. Don't make it obvious. EA isn't actively hunting every coin buyer—they're looking for patterns. Don't be a pattern.

I bought FC 26 coins. I didn't get banned. And now I'm actually enjoying the game again.