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How to Avoid Loosing EA FC 26 Coins

How to Avoid Loosing EA FC 26 Coins

EA FC 26 Game TIps

Coins are the lifeblood of EA Sports FC 26 Ultimate Team. They're what will be the deciding factor on if you can spend cash on that game-changing striker, complete that all-important SBC, or build a squad that can keep up with it with Division Rivals and Champions. But while so precious, millions of players waste coins away daily without even knowing it—exchanging weeks, sometimes months, of their progress.

 

Regardless of whether you're a new player or an FUT veteran, mastering these basics will enable you to construct a better team earlier, play better, and avoid the frustration of your hard-earned coins being flushed down the drain for nothing.

 

Coin Management

The difference between an average Ultimate Team player and an elite one often comes down to smart coin management. While some grind Squad Battles for small rewards or chase risky pack openings, others maximise every coin by avoiding common pitfalls. In this comprehensive guide, we’ll break down the top five coin-wasting mistakes in EA FC 26, explain why they hurt your club’s growth, and—most importantly—provide actionable solutions to fix them.

 

1.  Buying Players at Release

Why This Happens

Whenever there's a new promotion released—TOTW, RTTK, or TOTY—everyone is hyped. Players are shown a shiny new card with improved stats and wish to purchase it in a rush before they lose their opportunity or because the prices keep rising.

 

The Hidden Cost

Day 1 tax: The first 24-48 hours after a card is released are when prices are most inflated due to low supply and high demand.

 

Market saturation: Other packs being opened during promo, thus increasing supply and gradually lowering prices over the next couple of days.

 

Opportunity cost: Spending too much too soon means you can no longer spend those coins elsewhere, missing future trading gains.

 

The Smart Alternative

1. Track price history on FUTBIN or the apps to find out when cards bottom out (usually 3-5 days post-release).

 

2. Set price alerts to notify you when a player of your target reaches your target price.

 

3. Buy at "panic sell" times, like the short window pre-Weekend League rewards drop or lightning rounds.

Example

TOTW Mbappé (92-rated)  - FC 25

  • Day 1 price (25 Dec 2024): 3.8 million coins
  • Day 5 price (26 Dec 2024): 2.9 million coins  

 Savings by waiting: 1,100,000 coins (which can be enough to buy another top player!)

 

2. Overpaying for SBCs 

The SBC Trap

Squad Building Challenges offer unique cards, but many players blindly do them out without considering:

Untradeable risk: Once you've finished an SBC, you lose coins for good—you can't then sell the player.

 

Excessive hidden costs: Some SBCs have unnecessary leagues/nations that unnecessarily drive costs higher.

 

Power creep: That "endgame" SBC card is useless in a month when new promos are released.

 

When to pass on an SBC

When a tradeable copy with similar stats is cheaper.

When the SBC requires overpriced segments (e.g., an 87-rated team for a non-meta card).

If you’re low on coins and need flexibility.

 

Better Alternatives

Buy tradeable versions of similar players (you can check FUTBIN’s player comparison tool).

 

Complete only "must-do" SBCs (e.g., guaranteed profit packs, elite-level players like Icon SBCs).

 

Wait for player reviews before committing—sometimes cards play worse in-game than their stats suggest.

 

Example: Midfield SBC vs. Market Option

PlayerTypeCostTradeable
SBC Jude BellinghamUntradeable800kNo
Tradeable TOTW ValverdeTradeable200kYes

A 600K profit from being able to sell later

 

3. Ignoring the 5% Tax

The Silent Coin Killer

Every time you sell a player, EA takes away 5% tax from the sale. It doesn't appear to be significant, but it will cost you a lot in no time.

  • Trading a 100k player? You only get 95k.
  • Trading a 1 million coin player? You lose 50k dead on.

 

Why Traders Go Broke

Normal players:

Don't factor in tax when trading cards. Get their break-even calculations wrong and sell for a loss.

Overtrade. They turn players too often and lose small sums of money along the way.

 

The Solution: Always Work Out Your Minimum Profit Price

Use the following formula:

Minimum Sale Price = Buy Price + [ (Buy Price) / 0.05]

 

For example:

Buy a player for 50,000 coins

Minimum selling price to break even: 50,000 / 0.95 = 47,500 coins

Selling for 50,000 coins? You lose coins after tax!

 

Pro Trading Tip

  • Shoot at least 10% profit margins after tax to account for price fluctuations.

 

  • Mass bid low-risk cards (i.e., meta 83-84 rated cards) instead of high-risk flips.

 

4. Too Late to Chase the Meta 

The Power Creep Problem

EA FC 26 promos follow a predictable pattern:

 

1. Early game: Base golds dictate (September-November)

 

2. Mid-game: TOTY, Winter Wildcards (December-February)

 

3. Endgame: TOTS, Futties (March-August)

 

Every large promo gives way to cards before it goes out of use. Buying a costly meta player just before a fresh promo normally amounts to massive losses.

 

When to Dump Your Meta Cards

Sell 1-2 weeks before a large promo (look at EA's content calendar).

Watch for leaks—if a newer version of your player is coming, sell.

Avoid "FOMO buys"—just because a card is meta now doesn't mean it will be in a month.

Example: TOTY Erling Haaland FC25

What Happened?

  • January (TOTY Release): 

TOTY Haaland entered packs as one of the most sought-after strikers.

His price peaked at 600,000 coins due to insane demand.

  • May (Pre-TOTS Market):

As Team of the Season (TOTS) rumours started circulating, investors began selling their high-value cards.

Haaland’s price steadily dropped to 300,000 coins.

 

5. Wasting Coins on Drafts & Packs

The Truth About Drafts

Entry fee: 15,000 coins (per draft)

Typical reward: ~10,000 coins

Net loss per draft: 5,000+ coins (if you don't lose and win on each attempt)

 

Why Packs Are a Scam

Coin packs are terrible odds: most give 30-50 per cent at max.

"Discard value" is a trap: simply because a pack is "worth" 50k doesn't necessarily mean you'll get anywhere near that.

 

What to Do Instead

Play drafts with tokens (and not coins) only.

Never buy packs with coins: do it with rewards if you must. Spend your coins (invest them) on tradables (e.g., meta players, fodder before SBCs) instead.

 

Conclusion

Coin-wasting is the number 1 reason why players lose at Ultimate Team. By fixing these five mistakes:

1. Stop overspending on new cards: wait patiently and allow prices to drop.

2. Cross-shop SBC prices before locking into untradables.

3. Always factor in the 5% tax when trading.

4. Sell meta cards before promos to avoid crashes.

5. Never gamble coins on drafts/packs: invest wisely instead.

 

You’ll build a stronger team, faster, without the frustration of wasted coins.

What's your coin-saving secret? Share below!

EA FC 26
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