The honest answer
This is the question that stops most people, so it gets numbers rather than reassurance. There is a real risk, it is small, and the punishment that actually gets handed out is far milder than the one everybody imagines.
The numbers
Figures reported across the FC 25 cycle, published on the main site and repeated here because they are the entire basis of the answer.
What is actually at risk
Worth reading properly, because the gap between what people fear and what happens is the whole decision.
When EA does act on transfer market automation, the usual outcome is a block on using the transfer market through the web and companion apps. Your club, your coins and your players stay where they are, and you can still play and trade in game. It is annoying rather than fatal, and some users shrug and carry on with a second account.
The bans people actually lose accounts over are for buying coins from sellers, sharing account details, and shifting coins between accounts through deliberate loss-making transfers. An autobuyer running in your own session is not that, which is exactly why nobody is asked for their EA login.
Sniping for fourteen hours straight with no breaks, running thousands of searches in an hour, or overriding the blocks is what puts you in the unlucky 2%. The rules exist because reported cases were read, patterns were found, and the rules were written from them.
Where a market restriction is applied, it lasts until the next title arrives rather than permanently. That is the practical shape of the downside: temporary loss of one interface, against a market you can work every day of the cycle.
Safety blocks refuse actions that look automated, search delays are randomised, breaks are built in, and daily search and snipe counters are in front of you. You have to work to defeat those, and the point of them is that you should not.
Staying in the 98%
Almost every reported punishment traces back to somebody skipping one of these. They cost nothing to follow.
Nobody can promise a zero risk autobuyer, and any site that does is selling you something. What is on offer is a measured risk with published numbers, a worst case that stops short of your account, and software that argues with you when you try to do something daft.
Read the current safety rules and FAQ on the main siteThe 24 hour trial runs with every safety feature switched on, which makes it a fair test of how the software behaves rather than a stripped back demo.
