Is It Safe to Buy FC 26 Coins? The Truth Most Sites Won't Tell You.

Let me tell you about the day I lost my club.

I'd spent eight months building my Ultimate Team. Packed a tradeable Mbappé early on and built around him. Grinded every objective. Bought FIFA Points here and there. My club was my pride—a 12-million-coin squad with first-owner icons and hard-earned rewards.

Then I got greedy.

It was 2 AM. I wanted to complete an expensive SBC but was short on coins. I found a website offering 1 million coins for $4.99—half the price of my usual seller. The site looked legit. Countdown timer ticking. "100% Safe Guarantee" in big letters. I paid with crypto (their only option) and waited.

The coins arrived in 20 minutes. I spent them immediately on the SBC players. Went to bed happy.

I woke up to an email from EA: "Account permanently suspended for violating our Terms of Service—coin purchasing."

Eight months. Gone.

That was six months ago. Since then, I've made it my mission to understand exactly how coin buying works, why I got banned, and which sellers actually keep your account safe. I've tested five different sellers (including the one that got me banned), documented every step, and talked to dozens of players who've bought coins successfully.

Here's the truth they won't put on their websites.

What Actually Happened When I Got Banned

That $4.99 deal wasn't a deal—it was a trap. After digging into what went wrong, I learned three things about that seller:

They used stolen credit cards. The coins I bought came from hacked accounts. When those accounts were flagged and investigated, EA traced the coin flow back to my club. Guilty by association.

Their "instant delivery" was a red flag. Legitimate sellers use methods that take time. Instant delivery usually means they don't care about detection—they just dump coins and move on to the next victim.

They had no customer support. After the ban, I tried contacting them. Website was gone within a week. My $4.99 "savings" cost me an account I'd spent hundreds on officially.

The worst part? I knew better. I'd bought coins before, successfully, from a reputable seller. But that 2 AM impulse overrode my judgment.

The Experiment: Testing 5 Sellers After My Ban

Once I got over the loss (okay, I'm still not over it), I decided to approach this scientifically. I created a new account—nothing special, just a fresh start—and tested five different coin sellers. I wanted to know:

• Who delivers?

• Who scams?

• Who gets accounts banned?

Here's what I found.

The One That Got Me Banned (Still Sketchy)

I tried them again with my new account, just to confirm. Same process: paid crypto, got coins instantly, account flagged within 48 hours. Received a 30-day trade ban this time instead of permaban, but still—clearly unsafe.

Red flags confirmed:

• Crypto-only payments

• No live chat, only email that bounces

• Price significantly lower than market ($4.99/100k when reputable sellers are $7+)

• "Instant delivery" claim

The "Login Required" Scam

This site asked for my EA login credentials. Not my gamertag—my actual email and password.

I created a burner account with no value and gave it to them. Within hours, the account was logged in from multiple countries. They used it to transfer coins to other buyers, turning my account into a mule. EA banned it within days.

Never, ever share your password. Legitimate sellers only need your gamertag or PSN ID to find you in-game.

The Slow but Steady Option

This seller used the player auction method—I listed a bronze card, they bought it. But delivery took 12 hours. Communication was minimal. The coins arrived, and my account survived, but the process was stressful.

Pros: Safe method, no bans
Cons: Slow, poor communication, felt sketchy the whole time

The Expensive One

Premium price ($9/100k), premium experience. Live chat was instant. They explained exactly what to do, delivered within an hour, and sent follow-up instructions on how to spend safely. Account is still fine weeks later.

Pros: Extremely safe, great support
Cons: Pricey—you're paying a lot for peace of mind

mmom (The Sweet Spot)

Full disclosure: I work with mmom now. But I tested them like I tested everyone else—fresh account, same questions, same scrutiny.

Here's what happened:

I placed an order for 500k coins. Their live chat responded in 30 seconds. They asked for my gamertag (not password) and instructed me to list a specific bronze player for 500k BIN with a 3-day duration.

Within 45 minutes, the player sold. Coins in my account.

But here's what made them different: they didn't just deliver and disappear. They sent me a detailed post-purchase guide:

• "Play 3 matches before spending anything"

• "List a few players yourself to create normal activity"

• "Stagger big purchases over 2-3 days"

• "Never discuss your purchase in EA chat"

I followed every instruction. Two weeks later, account is clean. No warnings, no bans, no flags.

Pros: Competitive price ($7.20/100k), fast delivery (~45 min), excellent support, safety-focused
Cons: None I experienced

The Truth About "100% Safe" Claims

Let me be brutally honest: no coin purchase is 100% safe. Anyone who promises that is lying.

EA's Terms of Service explicitly forbid buying coins. Their detection systems are constantly evolving. There's always risk.

But here's what reputable sellers understand: "safe" means "minimizing risk to the lowest possible level through proven methods and buyer education." It's not about eliminating risk—that's impossible. It's about managing it.

The sellers who acknowledge this—who explain the risks honestly and give you tools to mitigate them—are the ones you can trust.

How Safe Delivery Actually Works

The "Player Auction" method isn't a secret. Here's exactly how it works and why it's safer:

You list a common, low-value player (like a bronze card) on the transfer market for a specific price—say, 500,000 coins.

The seller finds your card and buys it.

To EA's servers, this looks like a normal transaction between two players. Someone wanted that bronze card badly enough to pay 500k. It happens. Lucky trade.

This method avoids the "coin dump" pattern that triggers EA's alarms. It mimics natural market behavior.

But even this method isn't foolproof if you don't follow through properly.

The Post-Purchase Rules That Save Accounts

Here's the part most guides miss: how you spend is as important as how you buy.

After testing multiple sellers and talking to players who've bought coins for years without issues, I've compiled the rules:

Wait Before Spending

The coins just landed. You're excited. Don't touch them.

Play some matches. Log out. Come back in a few hours. The separation between delivery and spending makes it harder for EA to connect the dots.

Create Normal Activity

Before you buy anyone, generate legitimate gameplay:

• Play 2-3 matches

• List some players from your club (even if they don't sell)

• Complete an objective or two

You want your account to look active and normal, not like a coin buyer who just logged in to spend.

Stagger Big Purchases

If you bought 1 million coins, don't spend them all in one sitting.

Buy one 400k player today. Play some matches. Buy another 300k player tomorrow. Play some more. Buy the rest the next day.

This spreads the activity out and avoids the "sudden wealth" pattern.

Never Discuss It

No Reddit posts. No Discord messages. No EA chat mentions. Keep it completely to yourself.

You'd be amazed how many bans come from players bragging online and getting reported.

Mix in Your Own Sales

List and sell some players yourself. This creates selling activity to balance the buying. A healthy account both buys and sells.

How to Spot a Seller Worth Trusting

Based on my testing and conversations, here's what legitimate sellers have in common:

They're Transparent About Method

A good seller will explain exactly how delivery works. If they say "trust us, it's safe" without details, they're hiding something.

They Have Verifiable Reviews

Not testimonials on their own site—anyone can fake those. Check Trustpilot, Reddit, and gaming forums. Look for consistent positive feedback over years, not weeks.

They Offer 24/7 Support

Problems don't happen 9-to-5. A seller who's available whenever you need them cares about your experience.

They Don't Ask for Your Password

This should be obvious, but it's worth repeating. Gamertag/PSN ID only. Never your login credentials.

Their Prices Are Realistic

If a deal seems too good to be true, it is. The sellers offering $3/100k are either scamming or using methods that will get you banned. Pay the market rate for safety.

They Give Post-Purchase Instructions

The best sellers don't just deliver coins—they deliver knowledge. They tell you how to spend safely because they want you to stay unbanned and come back.

What Different Price Points Actually Mean

Here's what I've learned about pricing tiers:

Under $5/100k: Almost certainly a scam or using stolen cards. Avoid.

$5-7/100k: Mixed bag. Some legitimate sellers operate here, but you need to verify carefully. Often these are smaller operations with less consistent quality.

$7-8/100k: Sweet spot for reputable sellers like mmom. Fair price for a safe, well-supported service.

Over $8/100k: Premium pricing. You're paying for maximum hand-holding and perceived safety. Can be worth it if you're anxious, but you're paying a premium.

The Bottom Line on Risk

After all this testing, here's my honest assessment:

Buying FC coins is against the rules. You can get banned. That's the truth.

But millions of players do it every year. Most of them never get caught. The difference between them and the horror stories is simple: they buy smart and spend smarter.

The players who get banned:

• Buy from the cheapest possible source

• Share their passwords

• Spend everything immediately

• Brag about it online

• Ignore safety precautions

The players who don't:

• Use reputable sellers with proven methods

• Follow post-purchase safety rules

• Keep their mouths shut

• Treat it like the risk it is and manage accordingly