What parents need to know about EA Sports FC (formerly FIFA) — including loot boxes, Ultimate Team gambling mechanics, online chat, and spending risks.
EA Sports FC is EA's hugely popular football video game, formerly FIFA, featuring online matches and 'Ultimate Team' where players build squads and spend on packs.
Official age
3+
We recommend
13+
Developer
Electronic Arts
Risks
4
EA Sports FC (previously known as FIFA) is one of the world's most popular football video games, released annually by Electronic Arts. The game is rated PEGI 3 for its main modes but contains significant risks in its online and monetisation features. The Ultimate Team (FUT) mode is a card-collecting game mode in which players buy 'packs' containing random player cards — a mechanic that gambling regulators in several countries have classified as akin to gambling. EA Sports FC is played by millions of children across the UK.
Children primarily play EA Sports FC in one of three modes: Career Mode (offline, single-player), Online Seasons (competitive matches against other players), and Ultimate Team (building a squad using player cards). Ultimate Team is the most popular mode and the most commercially lucrative for EA, with children spending real money on card packs chasing high-rated players. Online matches involve chat features including voice and text communications.
EA Account Spending Controls
Location: myaccount.ea.com → EA Wallet
Set to: Do not save payment details; use console parental controls for spending limits
EA does not offer robust built-in spending limits. The most effective control is setting spending restrictions through the PlayStation, Xbox, or Nintendo console parental controls and not saving a credit card to the EA account.
Online Communication Settings
Location: Console parental controls → Communication and Multiplayer
Set to: Friends only or restricted
Text and voice chat in online matches is where most abusive interactions occur. Console-level communication restrictions are more reliable than in-game settings.
Set monthly spending limits through PlayStation, Xbox, or Nintendo parental controls — do not rely on in-game settings alone
Time: 15 minutes
Explain the mechanics of Ultimate Team packs to your child — they are randomised, the odds are very low for top-rated players, and they are designed to encourage repeated spending
Time: 15 minutes
Have a conversation about acceptable behaviour in online matches — abuse, racial slurs, and rage quitting are common issues
Time: 10 minutes
In immediate danger: call 999. For non-emergency police matters, call 101.
Concerned about a child but it's not an emergency? NSPCC helpline 0808 800 5000. Childline for young people 0800 1111.
Myth: EA Sports FC's all-ages PEGI rating means the whole game, including Ultimate Team, is fine for young children.
Fact: The all-ages rating covers the core football simulation, not Ultimate Team's randomised card packs — and PEGI's own rules changed in June 2026 to require a minimum PEGI 16 rating for any newly-classified game with paid random items. That makes EA Sports FC 27, due for release in late September 2026, the first game in the franchise not classified for all ages — its Ultimate Team packs push it to a PEGI 16 rating. Older instalments your child may already own keep their original all-ages rating, so it's worth checking which version is actually installed.
Myth: Because pack-opening looks like gambling, there's a legal age check stopping a child buying FC Points or packs.
Fact: Loot boxes such as FUT packs are still not classed as gambling under UK law — the government confirmed this position again in a review in early 2026 — so there is no statutory age check on the purchase itself. From 2026, UK advertising rules require games to clearly disclose that loot boxes are present in app store listings, but that's a disclosure duty, not a purchase restriction; stopping a child spending is down to the console or account-level controls you set yourself.
Myth: As long as my child only spends in-game FIFA Coins, not real money, there's no real risk.
Fact: The pack itself works the same whichever currency buys it, so the random-reward cycle regulators are concerned about applies to coin-bought packs too. The bigger practical risk with coins is buying or selling them through third-party websites, which breaks EA's rules and is a common scam route — fake sites, 'comfort trades' that hand over account access, and coin wipes or bans if EA's systems flag the account. Packs and points should only come from EA's own store or the console marketplace.
At this age, keep play to offline Career Mode or local Kick Off matches with a parent nearby. Ultimate Team is not appropriate at all for this age — don't let your child near the pack-opening screens, and never save a card to the EA account they use.
Career Mode and local multiplayer are fine to explore independently. Ultimate Team's pack-opening animations are built to be exciting to watch, so if your child asks to try it, 'not yet' is a reasonable answer. Turn on purchase approval through the console or EA account before they play anything online.
Requests to play Ultimate Team usually start around this age. If you allow it, agree a firm spending cap in advance, keep purchase approval switched on, and look at what a pack actually contains together — usually a low-value player rather than the star they're chasing.
Teenagers can usually manage Ultimate Team with agreed limits, but it's worth revisiting the maths occasionally: EA now publishes each pack's odds inside the game, and reading them together is a quick reality check. Also flag that buying or selling FIFA Coins on third-party sites breaks EA's rules and is a common route into losing an account.
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