FPL glossary

ITB (in the bank)

ITB stands for in the bank: the money left in your budget once all 15 players in your squad are paid for. It scores no points on its own, but it decides which transfers are available to you, and together with the value of your squad it makes up your team value.

Where the money comes from

Every manager starts the season with 100.0m to fill 15 places. Whatever you do not spend sits in the bank. After that, the bank moves every time you transfer: you receive the selling price of the player who leaves and pay the current price of the player who arrives.

Selling price is not always the current price. When a player you own rises, you keep half of the rise, rounded down to the nearest 0.1m, so a player bought at 7.0m who has risen to 7.3m sells for 7.1m.

Why managers keep some

A bank of 0.0m means every transfer has to be a like for like swap on price. A small buffer, often 0.5m, is what lets you react to an injury on a Friday afternoon without a chain of moves and a hit. Hoarding much more than that is dead money: points come from players, not from the bank.

Example

You have 0.4m in the bank and want a 9.5m midfielder. Your outgoing player sells for 8.9m, which leaves 9.3m available, so the move is off unless you downgrade elsewhere in the same gameweek.

From the archive

The top ten percent of managers by squad value finished the 2025/26 season with a squad and bank worth 103.8m or more. Figures as of 24 May 2026.

Updated: Season: 2025/26

Related terms

All FPL terms

Source: the gameweek histories of over 2.2 million managers in FPL Butler's 2025/26 season archive. The sample leans towards active managers, so the rates sit slightly above the global average.

Method

Behaviour is computed from each manager's official FPL gameweek history (transfers, points hits, bench points, chips and team value). Picks data is never used. Figures cover managers whose gameweek history runs from the opening gameweek to the final gameweek of the season, so managers who joined after the season started, and managers who stopped early, are excluded. Transfer counts include moves made on wildcard and free hit gameweeks, which cost no points. A hit means a gameweek with a positive transfer cost. Team value is the squad value including bank at gameweek 38, in millions. Percentiles use the nearest-rank method and medians the classic midpoint method. Managers with missing or corrupt data are excluded. The sample skews toward managers in active mini-leagues.

Managers who played the whole 2025/26 season in FPL Butler's season archive, meaning their gameweek history runs from the opening gameweek to the final one, so managers who joined late or stopped early are excluded. Managers enter the archive because they play in crawled mini-leagues or national country leagues. The crawler prioritises leagues that look active, so this sample is more engaged than the full global player base and behaviour rates should be read with that skew in mind.

Derived from publicly available Fantasy Premier League data. FPL Butler is not affiliated with the Premier League or Fantasy Premier League. The figures may be reused with attribution to FPL Butler.

Now check your own league

Benchmarks are one thing. The Butler applies them to your own mini-league: a verdict after every gameweek, awards for the heroes and the blunders, and a season archive that never forgets. Enter your league code and see where your table really stands.

See your league