By Eric Smith 
Every FIFA Ultimate Team player faces the same dilemma: should you invest in FIFA Points or go for FIFA coins? It’s a question that comes up whether you’re building your first squad or chasing those elite Icon cards. Both currencies unlock different pathways to team improvement, but understanding which offers genuine value can save you serious money and frustration.
Let’s break down what actually matters when choosing between these two options, and why your decision might be costing you more than you think.
FIFA Points are EA’s official premium currency. You buy them directly through the game using real money, and they’re primarily used to open packs. Think of them as the “official” route—everything goes through EA’s ecosystem, and you’re essentially gambling on what you might get from those shiny gold packs.
FIFA coins, on the other hand, are the in-game currency you earn through matches, objectives, and trading. They’re what you use on the Transfer Market to buy specific players, consumables, and other items. While you earn them naturally through gameplay, many players choose to purchase additional FIFA coins from third-party platforms to accelerate their team-building process.
Here’s where things get interesting. When you spend FIFA Points on packs, you’re rolling the dice every single time. Sure, that 125k pack looks tempting with its promise of rare gold players, but the odds are heavily stacked against pulling anyone worthwhile.
Most players who’ve dropped $100 on FIFA Points can tell you the disappointing story: pack after pack of 83-rated fodder, maybe an 86 if you’re lucky, and that sinking feeling that you’ve just funded EA’s next yacht. The pack weight—EA’s term for drop rates—means top-tier cards are exceptionally rare. You could open fifty packs and never see a card worth more than 50k coins.
The psychological trap is real too. That “just one more pack” mentality has burned through countless wallets because there’s always that chance, that possibility, that this next pack could be the one. But probability doesn’t care about your hopes.
This is where FIFA coins show their true strength. Instead of hoping and praying for pack luck, coins let you buy exactly what you need. Want that new Hero card for your Premier League squad? Check the Transfer Market, compare prices, and make it happen. No gambling required.
The value proposition becomes crystal clear when you do the math. Spending $50 on FIFA Points might get you 12,000 points—enough for a few Premium Gold Packs or one Ultimate Pack. But how many usable cards will you actually get? Often, you’d be lucky to get 100k worth of sellable players.
That same $50 converted to FIFA coins through a reliable platform like LootBar could net you significantly more buying power. You’re cutting out the RNG (random number generator) completely and getting guaranteed value. Need a specific player to complete your team chemistry? Done. Want to invest in cards likely to rise during the next promo? You have the flexibility.
Let’s be honest about the grind. Earning coins through gameplay alone is time-consuming. Division Rivals rewards, Squad Battles, and Weekend League all contribute, but building a meta team purely through earned coins can take months of dedicated play.
FIFA Points promise a shortcut, but it’s a shortcut with no guaranteed destination. You might open packs for hours and end up with nothing that improves your squad. Meanwhile, purchasing FIFA coins gives you immediate, targeted upgrades without the gambling element or the endless grind.
This is the elephant in the room that needs addressing. Buying coins does involve third-party platforms, and yes, there are risks if you choose poorly. However, established platforms like LootBar have built reputations around safe, reliable transactions. They understand that their business depends on customer trust and account security.
The key is doing your research. Look for platforms with verified reviews, transparent processes, and responsive customer service. Reputable coin sellers use methods that minimize detection risks and prioritize account safety. Many players have used these services for years without issues when they stick to trusted providers.
Compare this to FIFA Points, where your only “risk” is wasting your money on worthless packs—which, statistically speaking, is almost guaranteed to happen more often than not.
Here’s something FIFA Points can never offer: market participation. When you have a healthy coin balance, you become more than just a pack opener—you become a trader. You can snipe undervalued cards, invest during market crashes, and sell during hype periods.
This economic gameplay adds a whole new dimension to Ultimate Team. Some of the most successful FUT players barely spend anything because they’ve mastered trading. But you need coins to make coins, and FIFA Points don’t give you that foundation.
During special events like Team of the Year or Team of the Season, smart players with coin reserves can take advantage of panic selling and market fluctuations. Those using only FIFA Points are stuck opening promo packs with terrible odds while the savvy investors are picking up meta cards at discounted prices.
Fair point to FIFA Points: there is something genuinely fun about pack animations. That dopamine hit when you see the lights flash and the walk-out animation starts is part of the FUT experience. For some players, that entertainment value justifies the occasional Points purchase.
But ask yourself: how long does that excitement last? Usually about five seconds before you realize it’s another duplicate 84-rated goalkeeper. The entertainment-to-disappointment ratio is terrible compared to the satisfaction of finally buying that striker you’ve wanted for weeks and watching them score in their first game.
When you analyze dollar-for-dollar value, coins consistently outperform points. A typical example: 12,000 FIFA Points costs around $100. If you’re extremely lucky with pack pulls, you might get 300-400k coins worth of players. More realistically? You’re looking at 150-200k after selling everything.
Taking that same $100 and converting it to FIFA coins through a trusted platform typically yields significantly more purchasing power. You’re getting more for your money without the pack-luck variable destroying your value.
At the end of the day, most players have a specific vision for their Ultimate Team. Maybe it’s a past-and-present squad of your favorite club, a hybrid combining multiple leagues, or just the sweatiest meta team possible for Weekend League.
FIFA Points make you dependent on luck to achieve that vision. You’re hoping the right players appear in your packs, hoping you pack something valuable to sell, hoping the stars align. FIFA coins let you execute your vision directly. It’s the difference between hoping for success and ensuring it.
For pure value, targeted team building, and cost efficiency, FIFA coins are the clear winner. They offer guaranteed value, eliminate the gambling element, and give you complete control over your team construction. While FIFA Points serve EA’s bottom line and provide that lottery-ticket thrill, they rarely deliver actual value proportional to their cost.
If you decide to purchase FIFA coins, platforms like LootBar provide a safer, more reliable experience than the pack-opening lottery. The key is choosing established, trustworthy services that prioritize customer security and satisfaction.