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UPDATED REVIEW • 23 OCTOBER 2026

FTMO Review 2026: Costs, Rules & Payouts

One of the longest-running prop firms: founded in 2015 in Prague, Czechia, by Otakar Šuffner and Marek Vašíček, and run by FTMO s.r.o. and its related companies. FTMO prices its CFD accounts in euros — every challenge price below is in EUR; splits and payout minimums are stated in $ as the firm states them.

✓ Operating since 2015✓ Free 14-day trial✓ Scaling plan to $2M⚠ Simulated accounts
Research-based review · Rules and prices checked 23 Oct 2026 · No invented review score
FTMO'S OWN PROMOTION • CHECKED 23 OCT 2026

€439

$100K 2-Step Challenge — list price €540
FTMO does not offer a PropDealHub code; it rarely discounts outside its own promotions. The $100K 1-Step was €399 (list €499) in the same promotion.
Editorial transparency
Every figure here was read on ftmo.com. We do not claim to have personally traded an account or independently validated every payout.

Our Verdict: Who is FTMO for?

FTMO suits traders who value a long track record and a structured scaling plan — and who can live with its funded-stage fine print: a news blackout window on funded Standard and Instant accounts (Swing exempt) and a best-day consistency rule on the newer models.

Trustpilot Rating

★★★★★★★★★★4.8out of 5 — Excellent

Based on 55,152 Trustpilot reviews · 92% gave 5 stars · 3% gave 1 star

★★★★★ 26 Oct 2026

"My experience with FTMO has been excellent. Professional service, clear rules…"

★★☆☆☆ 26 Oct 2026

"I'm extremely disappointed with FTMO's trade execution…"

Read all 55,152 reviews on Trustpilot ↗

Checked 26 October 2026. Trustpilot scores change live — this is Trustpilot's rating, not PropDealHub's.

What looks good

Track record since 2015, Prague-based company
90% split from the first reward on 1-Step and Instant
Scaling plan grows accounts 25% every 4 months, to $2M
Free 14-day trial with reduced 5% targets

What to watch closely

Funded Standard and Instant accounts: no order execution ±2 min around major news (Swing exempt)
50% best-day consistency rule (1-Step), 30% (Instant)
FTMO's own pages disagree on the Instant starting price
1-Step challenge fee is non-refundable
Bottom line: The 2-Step remains the cleanest FTMO route — no consistency rule and the fee refunded with your first reward. Read the funded-stage news rule before choosing Standard over Swing.

Compare FTMO head-to-head

FTMO compared directly with the other leading firms, on the same rules and costs.

Compare FTMO Models & Fees

Switch between models to compare list prices in euros, read on ftmo.com on 23 Oct 2026.

Account SizeFee (EUR)Profit Targets
$10,000€8910% then 5%
$25,000€25010% then 5%
$50,000€34510% then 5%
$100,000€54010% then 5%
$200,000€1,08010% then 5%

2-Step: daily loss 5%, maximum loss 10% (static), 4 minimum trading days per phase, fee refunded with your first reward.

FTMO's own pages disagree on the Instant starting price — one page says from €169, the launch article says $189 to $3,399. We show no per-size Instant prices rather than guess; check at checkout.

Trading Rules That Actually Matter

FTMO's evaluation is permissive; the funded stage is where the restrictions live.

2-Step daily loss5%
1-Step / Instant daily loss3%
Maximum loss (all models)10%
Maximum Loss — Three Different Types2-Step: 10% static. 1-Step: trails the highest end-of-day balance. Instant: trails intraday — and FTMO states it does not reset after a payout withdrawal.
Daily Loss CalculationOn 2-Step the daily limit is calculated on equity and resets at midnight CET/CEST.
Consistency RuleFunded 1-Step: your best day may not exceed 50% of total profit — you keep trading to dilute it, it is not an instant fail. Instant: 30%. 2-Step: none.
News TradingUnrestricted during evaluation. On funded Standard and Instant accounts, orders may not be executed within 2 minutes either side of selected high-impact releases; positions opened beforehand may be held. Swing accounts have no news restriction.
Weekend HoldingAllowed on Swing accounts. Standard funded accounts face restrictions on holding through long market closures.
EAs & HedgingEAs and algorithmic trading are allowed within stated order limits. Using hedging or opposing positions to get around the consistency rule is a forbidden practice.
Minimum Days & Time Limits4 minimum trading days per phase on 2-Step. No maximum time limit.
Free TrialA free 14-day trial runs with reduced 5% targets — the cheapest way to learn the platform and the daily-loss maths.
Real purchase terms prevail over any third-party review. The two rules most often missed: the funded news window on Standard accounts, and the Instant drawdown that keeps trailing after you withdraw.

Profit Split, Payouts & Scaling

Payouts are on request — FTMO publishes no fixed cycle. The 2-Step fee comes back with your first reward.

Reward Share80% on 2-Step, rising to 90% under the scaling plan. 1-Step and Instant pay 90% from the first reward.
Scaling PlanGrow the account by 25% every 4 months if you meet the conditions: at least 10% net profit over the period, at least 2 processed rewards, positive balance. Total allocation capped at $2M.
Requesting a PayoutOn request once you have at least $20 of closed profit ($50 for crypto). Review takes 1–2 business days; payment typically follows 1–2 business days after invoice approval.
Payout MethodsBank wire, Visa Direct / Mastercard Send (up to $20,000), Skrill (up to $3,000) and crypto. FTMO charges no withdrawal commission.
Fee Refunds2-Step: refunded with your first reward request. 1-Step: non-refundable.
Platforms & LeverageMT4, MT5, cTrader and TradingView. Standard accounts: forex 1:100, crypto 1:1. Swing accounts: forex 1:30. Markets: forex, indices, commodities, crypto and stocks.

Figures stated on ftmo.com as of 23 Oct 2026 — not independently tested payout outcomes.

FTMO Discount Code

FTMO does not offer a PropDealHub discount code at this time, and FTMO rarely discounts outside its own promotions. When we checked on 23 Oct 2026, FTMO's own promotion had the $100K 2-Step at €439 (list €540) and the $100K 1-Step at €399 (list €499).

See our discount codes page for firms with codes we have verified at checkout.

Frequently Asked Questions

Does FTMO have a discount code?

Not through PropDealHub at this time. FTMO runs its own promotions — when we checked on 23 Oct 2026 the $100K 2-Step was €439 instead of €540.

What is the profit split at FTMO?

80% on the 2-Step Challenge (rising to 90% under the scaling plan), and 90% from the first reward on 1-Step and Instant accounts.

Can I trade news and hold over the weekend?

News trading is unrestricted during evaluation. On funded Standard and Instant accounts, orders cannot be executed within 2 minutes of selected high-impact releases; Swing accounts have no news restriction.

How and when do I get paid?

On request, once you have at least $20 of closed profit ($50 for crypto). Review takes 1–2 business days; the 2-Step fee is refunded with the first reward.

Sources, Method & Disclosure

A trustworthy review should distinguish company statements from independent testing.

Primary source: FTMO official website ↗. See the official terms for eligibility and current account rules.

Our method: Research-based comparison of publicly available firm information, checked on 23 Oct 2026. This review does not claim that a challenge was purchased, traded or successfully paid out by PropDealHub.

Affiliate relationship: PropDealHub may earn commission on qualified referrals — it never changes a firm's data here. Read affiliate disclosure ↗

Rules and prices can change — always re-confirm the final price and terms at checkout before paying.

Written by Sami Ullah

PropDealHub is run by Sami Ullah, an independent trader and researcher based in Pakistan. He compares prop firms using each firm's own published prices, rules and payout terms, and personally tests every discount code at checkout before it is listed — with the test date and the before/after prices published alongside each code.

Published: 23 October 2026 · Updated: 26 October 2026