FIFA 20 Ultimate Team: 20k Premier League Team – Saint-Maximin, Ndidi, Rudiger & more

Whether you’re just starting out or looking for an affordable 2nd XI, this is the best budget PL team.

by ayesports

You might be late to the party and only recently got your hands on FIFA 20. Or perhaps you’ve liquidised your squad in return for coins and want to build a team for next to nothing – a spare team is always handy to play alongside your super squad.

Either way, here at RealSport we’ve built you a shoestring budget Premier League team that plays above and beyond its rating.



We set the team up in the basic 4-3-3 formation, offering attacking threats on the wings and solid cover with a three man midfield.

Jordan Pickford (OVR 83)

Age: 25

Position: GK

Club: Everton

Country: England

Best stats: 82 diving, 87 kicking, 86 reflexes

Cost: 1.4k PS4 / 1.6k Xbox One

England’s number one man, and now your new number one. Pickford is ‘the best of the rest’ when it comes to Premier League goalies. A great all rounder and the highest rated player in our budget squad, he’ll keep your net safe.

Antonio Rudiger (OVR 82)

Age: 26

Position: CB

Club: Chelsea

Country: Germany

Best stats: 88 aggression, 82 reactions, 85 standing tackle

Cost: 900 PS4 / 950 Xbox One

Rudiger is a beast. He performs way higher than his rating and is a solid foundation to build a Premier League defence.

The centre-half’s low price makes him an absolute bargain, and therefore he’s a no-brainer for our budget Premier League squad.

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Nathan Ake (OVR 80)

Age: 24

Position: CB

Club: Bournmouth

Country: Netherlands

Best stats: 86 jumping, 81 interceptions, 82 defensive awareness

Cost: 750 PS4 / 750 Xbox One

A lot of FIFA players overlook Nathan Ake because of his relative lack of height (5ft11), but don’t sleep on this card! The Dutchman is great. He’s fast, strong and super reliable, with stats in all the right places for a CB.

Also, he’ll only set you back 750 coins – what’s not to like?

Keiran Tierney (OVR 76)

Age: 22

Position: LB

Club: Arsenal

Country: Scotland

Best stats: 89 sprint speed, 87 acceleration, 89 stamina

Cost: 1k PS4 / 1.6k Xbox One

Wow. What a card. Tierney is honestly one of the best left backs I have used, and I’m not saying that because I’m Scottish.

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He is fast and strong, and his High/High work rates mean he likes to get forward just as much as he likes to defend. Total baller and massively underrated FUT card.


Ricardo Pereira (OVR 82)

Age: 26

Position: RB

Club: Leicester City

Country: Portugal

Best stats: 86 pace, 82 dribbling, 80 short passing

Cost: 3.3k PS4 / 4.2 k Xbox One

If Tierney is good, Pereira is better. High/High work rates mean he likes to push up the pitch, but with 82 dribbling and 80 short passing he is very useful on the wing.

When FIFA 20 came out, this card cost over 20,000 coins. Now you can pick him up for an easy 3,300 coins on PS4. Bargain.

Jesse Lingard (OVR 82)

Age: 26

Position: CAM

Club: Manchester United

Country: England

Best stats: 82 acceleration, 89 stamina, 86 agility

Cost: 850 PS4 / 850 Xbox One

Another under rated midfielder with stats in all the right places, Jesse Lingard has four-star skills and 83 dribbling, meaning the United man has a lot to offer in the middle of the park. In addition, his strong attacking threat can be yours for a measly 850 coins. 

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Wifred Ndidi (OVR 81)

Age: 22

Position: CDM

Club: Leicester Ciy

Country: Nigeria

Best stats: 90 jumping, 92 stamina, 85 standing tackle

Cost: 700 PS4 / 800 Xbox One

Wilfred Ndidi is the poor man’s Kante, and is another massively under rated card. He’s fast, strong and super defensive. Slap a Shadow chemistry style on him and you’ve got yourself the equivalent of an 84 rated CDM with 83 pace.

Fred (OVR 79)

Age: 26

Position: CM

Club: Manchester United

Country: Brazil

Best stats: 87 balance, 82 stamina, 81 ball control

Cost: 700 PS4 / 800 Xbox One

Fred is a bit of strange one. His stats aren’t the highest, but he is a really well rounded card. Four-star skills and four-star weak foot mean he is dangerous on either foot, but what Fred does best is transition from defence to attack. A total box-to-box central midfielder. 

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Ryan Fraser (OVR 81)

Age: 25

Position: LM

Club: Bournemouth

Country: Scotland

Best stats: 92 acceleration, 95 agility, 96 balance

Cost: 800 PS4 / 850 Xbox One

Fraser is a nightmare to defend against. His 95 agility and 96 balance means the Scot is almost impossible to pin down, whilst he can utilise his 92 acceleration to leave defenders in his wake. Get him to the by-line and wreak havoc!

Callum Wilson (OVR 82)

Age: 27

Position: ST

Club: Bournemouth

Country: England

Best stats: 89 sprint speed, 83 finishing, 83 positioning

Cost: 1k PS4 / 1.3k Xbox One

Callum Wilson is lethal in front of goal, and you’ll still see him in the odd Weekend League squad. When FIFA 20 first dropped he was easily selling for 10,000 coins. Now you can pick him up for 1,000. Get him the service and he will score.

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Allan Saint-Maximin (OVR 79)

Age: 22

Position: RW

Club: Newcastle United

Country: France

Best stats: 93 pace, 90 dribbling, 93 agility

Cost: 3.2k PS4 / 3.1k Xbox One

Possibly one of the most frustrating cards to play against, Saint Maximin has pace for days. Give him the ball, hold sprint, and hold on for dear life! A great card for just over 3000 coins.

The Full Lineup

BARGAIN BASEMENT: Pick up this team for under 20k

Total Cost: 14.6k PS4 / 16.8k Xbox One

So there it is. A strong, fast, fun Premier League team on a budget that almost anyone can afford! If you’ve completed the objectives for OTW Ndombele and Storyline Zaha – you can take this team to the next level without spending any extra coins.

If you’re looking for a more defensively stable setup, you can set the team up in a 4-2-3-1 with Fred and Ndidi at CDM, Fraser left CAM, Lingard central CAM, and Saint-Maximin right CAM.

NOW WATCH BELOW: Hashtag Harry takes on the RealSport team in the hardest FIFA 20 Challenge you’ll see!


ayesports, aka Luke Crawford, is a freelance creative and Twitch partner, based in London. When he's not making stuff for brands like Nike, Honda, you can find him streaming FIFA Ultimate Team on Twitch.