The TOTY Challenge 3 SBC is now available in FC 26 Ultimate Team, giving players another opportunity to earn valuable fodder packs during the Team of the Year promo. While this Squad Building Challenge follows the same basic idea as the first two TOTY challenges, it raises the difficulty noticeably, especially when it comes to squad chemistry.

 

Even though the reward may not look incredible at first glance, every extra pack matters during TOTY. With the full TOTY squad in packs, even a single upgrade SBC can turn into something special. Below, we'll break down the requirements, explain why this challenge is trickier than it seems, and show you how to complete it without wasting FC 26 Coins.

 

Overview of the FC 26 TOTY Challenge 3 SBC

 

Unlike many SBCs that feature multiple segments, the TOTY Challenge 3 SBC consists of just one task. However, don't let that fool you, the constraints on leagues, clubs, and chemistry make this one more demanding than previous challenges.

 

The goal here is to carefully balance player links while staying within the strict limits. If you approach it without a plan, you'll likely run into chemistry issues that force you to buy unnecessary cards from the market.

 

FC 26 TOTY Challenge 3 SBC Requirements

 

Here are the official requirements you'll need to meet to complete the challenge:

 

TOTY Challenge 3 Task

 

Maximum players from the same league: 4

 

Maximum players from the same club: 3

 

Minimum rare players: 3

 

Minimum gold players: 9

 

Player quality: Minimum Silver

 

Minimum squad chemistry: 31

 

The most difficult part by far is the 31 chemistry requirement. With limits on both leagues and clubs, building chemistry naturally becomes more complex. This is where many players struggle and end up overspending FC 26 Coins just to finish a single SBC.

 

Why Chemistry Is the Biggest Obstacle

 

Normally, chemistry is easy to solve by stacking players from the same league or club. In this challenge, those shortcuts are heavily restricted. You're limited to four players from one league and three from a single club, meaning you must spread your squad across multiple leagues and teams while still maintaining strong links.

 

To succeed, you'll need:

 

Players with matching nationalities

 

Smart positional links

 

A balanced mix of gold and silver cards that already exist in your club

 

This SBC heavily rewards players who regularly grind menus and keep a diverse set of FC 26 Players rather than quick-selling everything.

 

FC 26 TOTY Challenge 3 SBC Solution

 

The best approach is always to use untradeable cards you already own. However, if you're stuck or short on time, the following solution meets all the requirements and achieves the necessary chemistry.

 

Example SBC Solution:

 

LW: Hack (77)

 

ST: Pepi (76)

 

RW: Hettwer (69)

 

CDM: Khedira (75)

 

CM: Mijnans (75)

 

CDM: Sapina (69)

 

RB: Dest (79)

 

CB: Jenz (76)

 

LB: Ostermeier (75)

 

RB: Wolter (76)

 

GK: Zetterer (76)

 

This squad respects the league and club limits while reaching the required 31 chemistry. If you already own similar players, you can easily swap them in as long as you maintain the balance between leagues, clubs, and nationalities.

 

TOTY Challenge 3 SBC Reward

 

Once completed, you'll receive an Untradeable Prime Gold Players Pack.

 

Pack Details:

 

12 Gold player items

 

6 Rare players guaranteed

 

At least one player rated 82 or higher

 

While this reward may not scream "game-changing," it's still very useful during TOTY. High-rated golds can be recycled into upgrade SBCs, saved for future challenges, or even turned into Team of the Week upgrades.

 

Is the TOTY Challenge 3 SBC Worth Completing

 

From a pure value perspective, the reward could have been slightly better given the difficulty of the requirements. However, during the Team of the Year promo, every pack holds potential. Even a modest Prime Gold Players Pack can surprise you with a walkout, or, if you're extremely lucky, a TOTY item.

 

More importantly, this SBC is best completed using untradeable cards. If you avoid spending FC 26 Coins, the challenge becomes a low-risk way to add more fodder to your club.

 

For players actively grinding upgrade SBCs and menu content, skipping this challenge doesn't make much sense. The pack return, combined with the chance of packing top-tier FC 26 Players, justifies the effort.

 

Final Thoughts

 

The FC 26 TOTY Challenge 3 SBC is more demanding than previous TOTY challenges, mainly due to its strict chemistry and squad composition rules. Still, with careful planning and smart use of your existing club items, it's very manageable.

 

If you're serious about maximizing your chances during Team of the Year without burning through FC 26 Coins, completing SBCs like this should be part of your daily routine. One extra pack could be all it takes to finally see blue walk out.