Last reviewed September 2026 · How we research · See the SWTOR vendor list for scored sellers.
What the Publisher Says About Credit Sales
EA’s general Terms of Service, as quoted by an EA community manager, forbid selling, buying, trading or transferring an EA account or EA content tied to it, including virtual currency, either in the game or on a third-party website, unless EA expressly authorizes it. SWTOR runs on EA accounts, so this is the closest published rule we found; the game’s own rules may add detail, so check them.
The SWTOR team has also spoken about it directly. In an official forum post, its Terms of Service team said it had permanently removed accounts found exploiting the game to maximize credits for sale, and the community manager later announced that a credit-seller ring of several hundred accounts had been dismantled, with 9 billion credits seized. An older German report says the game’s official FAQ warned that buying or selling credits or items for real money could get an account banned.
Why Credits Are Traceable
The seizure of 9 billion credits shows that credits can be identified and removed after the fact. You cannot see how a seller obtained the credits you receive, so a purchase can end up linked to an exploit or botting operation even if you never touched one.
Vet the Seller or Marketplace
Check how long the seller has operated, recent independent reviews, and how disputes and failed orders are handled. Our SWTOR vendor list shows scored sellers, and the seller evaluation checklist covers what to look for.
Delivery and Payment
Credits are usually delivered by in-game mail or trade, so you should only need your character and server. Never share your EA account password, email login or authenticator codes. Check the amount received against your order straight away and keep a record.
Use a payment method that offers dispute rights, keep the invoice, order number and chat log, and never move to a private chat or an irreversible payment because a seller asks. Do not file a chargeback after you have received what you paid for — reversed payments are a common way sellers lose money and a common reason delivered currency gets flagged later.
Red Flags to Avoid
Prices far below what other reputable sellers charge for the same amount; guaranteed “no-ban” claims; requests for your login, authenticator codes or remote access; unsolicited offers in chat or Discord; look-alike domains; and pressure to pay by an untraceable method.
Step-by-Step Checklist
- Read EA’s Terms of Service and the game’s rules and decide whether you accept an account-action risk.
- Compare any offer with a few other reputable sellers and read the vendor’s review page.
- Confirm delivery is a plain in-game transfer with no credentials involved.
- Pay with a method that allows disputes and keep every record.
- After delivery, verify the amount and secure the account.
Lower-Risk Alternatives
Earning credits through play needs no third party. See our SWTOR credits farming guide and the Currency Calculator to compare methods.
Frequently Asked Questions
Does EA allow selling SWTOR credits for real money?
EA’s general Terms of Service prohibit selling or transferring EA virtual currency and content outside the service unless EA expressly authorizes it.
Has BioWare acted against credit sellers?
Yes. Official forum posts describe permanent bans for credit farming and the takedown of a seller ring, with 9 billion credits seized.
Can credits be removed after delivery?
The seizure of 9 billion credits shows that credits can be identified and removed, so delivery does not guarantee you keep them.
Sources
- EA Forums (EA community manager quoting EA Terms of Service section 6)
- SWTOR Forums — Recent actions against some customer accounts
- Mein-MMO — BioWare breaks up credit-seller ring, seizes 9 billion credits
- GameStar (German) — SWTOR credit sellers before launch and the FAQ warning
