The rule, in one line
One free transfer per gameweek. Unused free transfers roll over and stack up to a maximum of five. Every transfer beyond your free allowance is a -4 point hit, taken off the score of the gameweek the transfers are for.
| Rule | 2026/27 |
|---|---|
| Free transfers each gameweek | 1 |
| Most free transfers you can bank | 5 |
| Cost of each extra transfer | 4 points |
| Transfers before your first deadline | Unlimited and free |
| Most transfers in one gameweek | 20 — no limit on a Wildcard or Free Hit |
| Banked transfers after a Wildcard or Free Hit | Kept, unchanged |
| Share of a price rise you keep when selling | Half, rounded down to £0.1m |
Banking transfers — the 2024/25 change most people missed
FPL used to cap rollover at two free transfers. It now caps at five. That is a meaningful strategic shift: you can deliberately sit on your hands for four gameweeks and then execute a five-man restructure without taking a single hit — which is close to a free mini-wildcard, and far more flexible than one.
When a -4 hit is actually worth it
A hit pays for itself if the incoming player outscores the outgoing one by more than 4 points across the horizon you hold him. In practice that means: take the hit for a genuine fixture swing or an injury replacement in a premium slot; do not take it to chase last week's hauls. The most expensive habit in FPL is the panicked -8 on a Friday night.
What happens to banked transfers on a Wildcard or Free Hit
Playing a Wildcard or a Free Hit gives you unlimited transfers for that gameweek at no cost, and your banked free transfers are kept: if you had two saved before the chip, you still have two the gameweek after. Outside those two chips, you can make at most 20 transfers in a single gameweek.