FC 26 Michael Olise TOTY HM SBC: Cheapest Solutions & Tips

Michael Olise TOTY Honourable Mentions (HM) has arrived in FC 26 Ultimate Team, bringing a top-tier attacking midfielder/right-wing option to squads that can afford his demanding SBC. This guide breaks down every segment, suggests practical squad builds, and shows you how to save coins while completing the SBC efficiently.

• What is the Michael Olise TOTY HM SBC?
• All Michael Olise TOTY HM SBC requirements
• Cheapest methods for each SBC task
• Is Michael Olise TOTY HM worth completing?
• How to manage coins & packs efficiently
• How ItemD2R helps you with FC 26 coins and SBC grinding
• Extra tips to lower SBC costs

What is the Michael Olise TOTY HM SBC in FC 26?

The Michael Olise Team of the Year Honourable Mentions SBC is a limited-time Squad Building Challenge in FC 26 Ultimate Team that rewards you with a special upgraded Olise item. While he did not make the final TOTY XI, his performances for Bayern earned him a powerful honourable mention card with boosted pace, dribbling, and playmaking stats.

Unlike basic promo cards that are pack-only, this SBC lets you craft Olise by submitting nine squads of varying ratings. The overall cost is high, but for many players he is an incredibly well-valued attacking option if you can build him smartly and reduce your spend with fodder and good market timing.

All Michael Olise TOTY HM SBC requirements

The challenge is split into nine segments. Here is a clean recap of every requirement so you can see what you’re up against before committing.

Task 1 – Bayern München

• Minimum 1 player from FC Bayern München
• Minimum 1 Team of the Week (TOTW) player
• Minimum Squad Rating 83

Task 2 – France

• Minimum 1 player from France
• Minimum Squad Rating 85

Task 3 – Top Form

• Minimum 1 Team of the Week (TOTW) player
• Minimum Squad Rating 86

Task 4 – Bundesliga

• Minimum 1 player from the Bundesliga
• Minimum Squad Rating 87

Task 5 – 87-Rated Squad

• Minimum 1 TOTW player
• Minimum Squad Rating 87

Task 6 – 87-Rated Squad

• Minimum Squad Rating 87

Task 7 – 88-Rated Squad

• Minimum Squad Rating 88

Task 8 – 88-Rated Squad

• Minimum Squad Rating 88

Task 9 – 89-Rated Squad

• Minimum Squad Rating 89

From Task 5 onward, the SBC becomes very fodder-intensive. You’ll want a good plan for high-rated cards and coin management before you start submitting the final squads.

Cheapest methods for each SBC task

Below are example squad structures and ideas based on the typical meta of cheaper fodder cards. Use this as a framework: you don’t need the exact same players as long as you hit the overall rating and special requirements.

Task 1 – Bayern München (83-rated with 1 TOTW)

For the opening segment, focus on a low-cost 83-rated core with a budget TOTW and a single Bayern card:

• Use a cheap 83–84 TOTW from any league or nation.
• Pick one affordable FC Bayern München player (often defenders or goalkeepers are cheaper).
• Fill the rest with common 82–83 rated fodder.

Since chemistry is usually not strict in FC 26 SBCs (depending on SBC design), prioritize the lowest-price 83s on the market and avoid overpaying for recognizable stars.

Task 2 – France (85-rated)

The France segment becomes easier if you build around one or two high-rated French players:

• Choose a cheap French 87–88 (for example, a special or gold card that’s fallen in price).
• Surround them with 84–85 rated players from any league.
• You only need one French player, so don’t overspend on a full French squad.

A standard template here could be 2x 87, a few 85s, and the rest 84s to safely hit the rating without using your most valuable fodder.

Task 3 – Top Form (86-rated with 1 TOTW)

Top Form is where costs start to climb because of the rating and TOTW requirement.

• Use one higher-rated TOTW (an 86–87 TOTW is ideal) so you can lower the rest of the squad rating slightly.
• Fill around it with 86–87 rated regular golds or promo cards you don’t use.
• Include a couple of safe 82–83s if you overshoot on high-rated players.

The original example list used names like Savinho 82, Olise 86, Schuller 86, and an 87-rated TOTW. You don’t need those specific players; the key is to balance one strong TOTW with a mix of 86–87 fodder.

Task 4 – Bundesliga (87-rated)

Here you only need one Bundesliga player but a hefty 87 squad rating.

• Pick one cheap 87–88 from the Bundesliga (defenders and goalkeepers are often good value).
• Use 4–5 players rated 87–88 overall to anchor the rating.
• Fill remaining slots with 84–86s depending on how strong your top cards are.

The sample solution in the source used cards like Osimhen 87, Saka 88, Mac Allister 87, and Calhanoglu 86 as general high-rated fodder. In practice, just focus on whichever 87–88s are cheapest on your platform.

Task 5 – 87-Rated Squad (with TOTW)

This is similar in cost to the Bundesliga squad but also demands a TOTW card:

• Add one 87-rated TOTW if possible, since higher-rated TOTWs tend to give more rating flexibility.
• Support them with 5–6 players in the 86–88 range.
• Finish with some 84–85 cards.

Try not to use your most premium promo cards here; save unique meta players and focus on untradeable or cheap tradeable fodder instead.

Task 6 – 87-Rated Squad

Since this squad has no TOTW or league/nation requirements, you have full freedom to use your backbone fodder:

• Start with 4–5 87-rated gold or special cards.
• Add several 86s and 85s.
• Use an 88 or 89 card if you want to squeeze in a few cheaper 83–84s.

The example squad in the source used players like Mac Allister 87, Konate 86, Hegerberg 87, Osimhen 87, Saka 88, and Bruno 87. Any similar mix of ratings from different leagues will work.

Task 7 – 88-Rated Squad

From here, you need several genuinely high-rated cards. An 88-rated squad is where many players run out of fodder.

• Include at least 5–6 players rated 88 or higher.
• Fill the rest with 87s, with possibly one 86 if you also run a 90-rated card.
• Avoid using more 89–90s than necessary—those might be needed later or sold for coins.

The sample from the source had Isak 88, Saka 88, Katoto 88, Martinez 88, Gabriel 88, Diani 88, Reiten 88, Irene Paredes 88, and Lewandowski 88. Regardless of the names, the key point is stacking affordable 88s from less popular leagues or positions.

Task 8 – 88-Rated Squad

This is basically a second copy of Task 7, so expect similar costs.

• Again, look for cheap 88-rated fodder rather than hyped meta players.
• Rebuild a similar structure: 5–6 x 88s plus 4–5 x 87s.
• If you packed untradeable 89–90s you don’t use, this is a great place to offload them.

If you’re short on high-rated cards by this stage, you may need to dip into the transfer market or generate more fodder via upgrade SBCs and pack grinding.

Task 9 – 89-Rated Squad

The final segment is the most expensive one, demanding an 89-rated squad without extra chemistry or TOTW constraints.

• Use at least 3–4 players rated 90 or above if you want to incorporate some 87s.
• Otherwise, mix 6–7 x 89s with a few 88s.
• Offload any duplicate or unusable high-rated untradeables here.

In the original suggestion, players such as Lamine Yamal 89, Pedri 89, Shaw 89, Patri Guijarro 89, Mapi Leon 89, Rodri 90, Irene Paredes 88, Kane 89, and Gabriel 88 were used. Again, the specific players are not crucial—the rating mix is.

Is Michael Olise TOTY HM SBC worth completing?

Whether this SBC is worth it depends on your squad, playstyle, and club resources.

Pros:

• Olise’s TOTY HM card is a highly technical attacker with great dribbling, passing, and agility.
• Perfect for players who like creative playmaking, quick turns, and finesse shots.
• Strong links through league and nation, making him easy to fit into hybrid squads.
• For the level of stats he offers, many players consider him excellent value compared to market prices of similar attackers.

Cons:

• Nine segments mean a very high total cost in fodder and coins.
• If you already have multiple elite attackers, the upgrade might be marginal.
• Late in the game cycle, new promos could overtake him faster.

If you are building or already use a squad that can feature him as a main creator, and you have a decent amount of high-rated fodder, Olise TOTY HM is usually worth doing. If your club is poor in fodder or you’re saving for a favorite club hero or icon, consider the opportunity cost carefully.

How to manage coins & packs efficiently for this SBC

Completing a nine-squad SBC requires planning so you don’t drain your club unexpectedly. Here are practical ways to keep it affordable:

• Start with your untradeables: Check your club for unused 86+ cards and build around them first.
• Prioritize lower-rated segments early: Finish Tasks 1–3 to earn any pack rewards and potentially pull more fodder.
• Watch market fluctuations: High-rated fodder prices often drop slightly during lightning rounds or large pack promos.
• Use upgrade SBCs wisely: Grind repeatable upgrades when they’re good value to generate 84–88s.
• Avoid overpaying for TOTW cards: If TOTW supply is low, wait for a new team of the week when prices stabilize.

If you still come up short on coins after smart grinding, some players choose to bridge the gap with external coin sources. Always be cautious and choose reputable options that prioritize account safety.

How ItemD2R helps you with FC 26 coins and SBC grinding

Many Ultimate Team players enjoy the squad-building and gameplay aspect of FC 26 but don’t always have enough time to trade on the market for hours or grind every single objective. That’s where specialized game service platforms come in. One such example is ItemD2R, a site focused on providing in-game currencies and items for multiple titles, including FC 26.

On ItemD2R, you can purchase ea26 coins quickly to cover the last chunk of budget you need for an expensive SBC like Michael Olise TOTY HM. Instead of selling your favorite meta players or skipping content because your club is empty, you can top up your balance and immediately target the exact fodder cards you want on the transfer market. This is especially helpful when SBC deadlines are approaching and you don’t have days to trade and flip cards.

The same page also acts as a reliable source for FIFA FUT Coins, giving you flexibility no matter how you refer to the in-game currency. A platform like ItemD2R typically focuses on fast delivery and a variety of secure transfer methods, which is crucial for players who are worried about account safety. While you should always stay informed and make your own decisions about third-party services, many players appreciate having a backup option when major SBCs release back-to-back during promos.

Used sensibly, external coin services can complement your natural club growth. You can still grind objectives, play Weekend League, and snipe good deals on the market, but having extra coins from ItemD2R lets you finish big projects like Olise TOTY HM without dismantling your entire team. Combine that with smart SBC planning and fodder management, and you’ll be in a strong position for future promos as well.

Extra tips to lower Michael Olise TOTY HM SBC costs

To close out the guide, here are some practical tips that can save you a significant amount of coins over the full nine segments:

• Track fodder prices daily: Use community price-tracking sites or apps to see when 86–89 rated cards dip.
• Don’t rush the high-rated squads: If the SBC is available for several days or weeks, spread out the 87–89 segments so you can take advantage of market swings.
• Use position changes sparingly: If chemistry is required in any segment, it’s often cheaper to buy players in the right position than to waste position modifier cards.
• Avoid using meta starters as fodder: Even if they’re high rated, your best players will usually give you more value in matches than in an SBC.
• Open saved packs during TOTY-related promos: This increases your chance of pulling high-rated cards or dupes you can immediately recycle into the SBC.
• Be selective with duplicate untradeables: When you pack a duplicate 88–90 you can’t sell, prioritize putting it into the highest-rated squad remaining to maximize value.

With a structured plan, efficient fodder use, and smart coin management—whether purely in-game or supported by services like ItemD2R—you can complete the Michael Olise TOTY HM SBC at a far more reasonable total cost and add a top-level attacker to your FC 26 Ultimate Team.