FTMO Review 2026: Top Funded Account, Up to 90% Profit Split & Is It Worth It?

FTMO is widely regarded as one of the best proprietary trading firms in the industry and consistently ranks among the top prop firms in trader reviews. Founded in 2015 and headquartered in Prague, Czech Republic, FTMO offers traders the opportunity to access funded trading accounts through its industry-leading evaluation programs. Traders can choose between both 1-step and 2-step evaluations, designed to assess profitability, consistency, and strong risk management skills before receiving funding. A 2-week demo account is also available, allowing traders to test strategies and demonstrate performance in a risk-free environment.

FTMO provides flexible account sizes ranging from $10,000 to $200,000, making it accessible for both beginner and experienced traders. With competitive profit splits of up to 90%, professional trading conditions, and a proven track record of reliable payouts, FTMO has become a top choice for traders looking to scale their trading careers. Additionally, successful traders can grow their accounts through FTMO’s scaling plan, with the potential to manage up to $2 million in capital.

Known for its high profit-sharing model, diverse market access—including forex, commodities, indices, and cryptocurrencies—and support for multiple trading strategies, FTMO continues to stand out in the prop trading space. Backed by a strong global reputation and an impressive Trustpilot rating of 4.8/5, FTMO remains a go-to proprietary trading firm for traders seeking funded accounts, structured evaluations, and long-term growth opportunities.

Trust and Reputation

FTMO enjoys an excellent standing among traders, maintaining:

Pros of FTMO

Cons of FTMO

FTMO Review

Category
Details
Firm Name
FTMO
Founder / CEO
Otakar Šuffner (CEO), Marek Vašíček (CTO)
Country/ Headquarters
Czech Republic
Founded / Years in Operation
2015 (10+ years)
Trust / Rating
4.8 / 5 (Trustpilot)
Platforms Supported
MetaTrader 4 (MT4), MetaTrader 5 (MT5), cTrader, DX Trade
Payment Methods (Entry / Subscription)
Bank Transfer, Debit/Credt Card, Skril, Cryptocurrency and Paypal.
Payout / Withdrawal Methods
Bank Transfer, Cryptocurrency and Skril.
Tradable Assets
Forex, Indices, Commodities, Futures, Cryptocurrencies
Commission
Forex, Indices, Commodities, Futures, Cryptocurrencies Forex: $5 per lot. Selected non-Forex symbols: Between 0.0014% and 0.004% per trade volume. Crypto: 0.065% per trade volume.
Scaling Potential
+25% every 4 months is possible. Up to $2 million.
Discount / Promo
Get a $100,000 account for just €439 – discounted from €540
Payout Frequency
Once every 14 days after the first trade has been made on funded account.
Demo Accounts
Available (Expires after 2 weeks).
Account Currency Options
USD, GBP, EUR, CZK, CAD, AUD and CHF
US Traders Allowed
Allowed
Restricted Countries
Afghanistan, Angola/Anguilla, Antarctica, Antigua and Barbuda, Australia*, Belarus, Belize, Bhutan, Bouvet Island, Burundi, Cape Verde, Central African Republic, Chad, Cook Islands, Comoros, Republic of the Congo, Cuba, Djibouti, Dominica, Equatorial Guinea, Eritrea, Fiji, Gabon, Gambia, Grenada, Guinea, Guinea‑Bissau, Holy See (Vatican City), India, Indonesia, Iran, Iraq, Kosovo, Kyrgyzstan, Kazakhstan, Lesotho, Liberia, Malawi, Mali, Mauritania, Marshall Islands, Micronesia, Nauru, Niue, North Korea, Papua New Guinea, Russia (Russian Federation), Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Seychelles, Sierra Leone, Solomon Islands, Somalia, South Sudan, Sudan, Suriname, Syria, Eswatini (Swaziland), Tajikistan, Timor‑Leste, Tokelau, Tonga, Turkmenistan, Tuvalu, Ukraine (restricted regions: Crimea, Sevastopol, Donetsk, Kherson, Luhansk, Zaporizhzhia), Uzbekistan, Vanuatu, Venezuela, Western Sahara.*Note: Clients in Australia may access FTMO via a separate affiliated entity.

FTMO Funding Programs

Structured for Success

FTMO offers a two-step evaluation process with two account types — Standard and Swing — that challenges traders to demonstrate skill, consistency, and discipline before being funded

  1. Phase 1 – FTMO Challenge
    • Profit target: 10%
    • Maximum loss: 10%
    • Maximum daily loss: 5%
    • Minimum trading days: 4
  2. Phase 2 – Verification
    • Profit target: 5%
    • Same loss parameters as Phase 1
    • Minimum trading days: 4
    • Profit split: Up to 90%

*There is no maximum time limit for either phase, allowing traders to progress at their own pace.

FTMO offers a two-step evaluation process with two account types — Standard and Swing — that challenges traders to demonstrate skill, consistency, and discipline before being funded

  1. FTMO 1-Step Challenge
    • Profit target: 10%
    • Maximum loss: 10%
    • Maximum daily loss: 3%
    • Best day rule: 50%
    • Profit split: 90%

*There is no maximum time limit, allowing traders to progress at their own pace.

Account Types and Evaluation Costs

The three evaluation types offered at FTMO:

1-Step

  • Is a one-step evaluation
  • Account sizes range from $10,000 to $200,000, with evaluation fees between €79 and €999
  • The evaluation step require traders to achieve a 10% profit target while respecting a 10% maximum loss limit.
  • Leverage is up to 1:100.
  • Once funded, accounts can be scaled by 25% every four months, giving traders the opportunity to steadily increase their capital.

2-Step Standard and Pro

  • Both Standard and Swing accounts require a two-step evaluation before funding.
  • Account sizes range from $10,000 to $200,000, with evaluation fees between €89 and €1,089, which
  • The evaluation fee is refunded with the first profit payout
  • Both evaluation steps require traders to achieve a 10% profit target while respecting a 10% maximum loss limit.
  • Leverage differs by account type: up to 1:100 for Standard accounts and up to 1:30 for Swing accounts.
  • Once funded, accounts can be scaled by 25% every four months, giving traders the opportunity to steadily increase their capital.
Account Size
Steps
Profit Target (Phase 1)
Profit Target (Phase 2)
Max Daily loss
Max Loss
Min Trading Days
Refundable Entry Fee (EUR)
Profit Split
Scaling Plan
$10,000
2-Step
10%
5%
5%
10%
4 per phase
€89
80-90%
+25% every 4 months
$25,000
2-Step
10%
5%
5%
10%
4 per phase
€250
80-90%
+25% every 4 months
$50,000
2-Step
10%
5%
5%
10%
4 per phase
€345
80-90%
+25% every 4 months
$100,000
2-Step
10%
5%
5%
10%
4 per phase
€540
80-90%
+25% every 4 months
$200,000
2-Step
10%
5%
5%
10%
4 per phase
€1,080
80-90%
+25% every 4 months
$10,000
1-Step
10%
NA
3%
10% (EOD Trailing)
1
€79 (not refundable)
90%
+25% every 4 months
$25,000
1-Step
10%
NA
3%
10% (EOD Trailing)
1
€199 (not refundable)
90%
+25% every 4 months
$50,000
1-Step
10%
NA
3%
10% (EOD Trailing)
1
€319 (not refundable)
90%
+25% every 4 months
$100,000
1-Step
10%
NA
3%
10% (EOD Trailing)
1
€499 (not refundable)
90%
+25% every 4 months
$200,000
1-Step
10%
NA
3%
10% (EOD Trailing)
1
€999 (not refundable)
90%
+25% every 4 months

Standard vs. Swing Accounts

Feature
Standard Account
Swing Account
Leverage
Up to 1:100
Up to 1:30
Hold Trades Overnight
Yes (evaluation), funded accounts must close if market closed >2 hrs
Yes
Hold Trades Over Weekends
No (funded accounts)
Yes
News Trading
Not allowed 2 min before/after high-impact news (funded)
Allowed
Best For
Day traders
Swing/position traders

Trading Rules and Conditions

Rule / Constraint
Details
Profit Target
10% in Phase 1, 5% in Phase 2
Drawdown Limits
5% daily max, 10% total
Account Types Available
Standard and Swing
Expert Advisors (EAs)
Allowed; avoid identical third-party EAs exceeding $400 total exposure
Copy Trading (own trades)
Allowed within personal accounts if under $400K total exposure
Account Merging
Allowed if accounts are same type, currency, and not in drawdown
Maximum Funded Capital
$400,000 (before scaling)
Number Of Accounts Allowed
There is no limit on the number of trading accounts you can manage; however, your total allocated capital across all accounts is capped at $400,000 prior to scaling.
VPS Usage
Allowed
News Trading
Allowed for all evaluatiions. Allowed for all swing accounts. Not allowed 2 min before/after high imact news for funded standard account.
Overnight / Weekend Holding
Overnight allowed for all evaluations. Funded standard accounts must close if market closed for more than 2 hrs. Weekend holding allowed for all evaluations but is not allowed for funded standard account. Swing accounts both overnight and weekend holding is allowed for all accounts.
Leverage
Standard: Up to 1:100. Swing: Up to 1:30.
Profit Split
80% to start with. Can increase to 90% with their scaling plan first increase.
Consistency Rule
Monitored but not penalized
Scaling Plan
25% increase every 4 months, up to $2 million
Refund Policy
Refund of the entry fee given with first payout.
Martingale
Allowed
Scaling Into Trades
Allowed
Stop Loss Required
No
Prohibited Strategies
FTMO prohibits any trading strategies that exploit system errors, delayed price feeds, platform bugs, or external data to gain an unfair advantage. Coordinated or manipulative trading across multiple accounts, including opposite positions designed to bypass risk limits, is strictly forbidden.The firm does not allow the use of software, AI tools, or automated systems that overload servers or create excessive order activity. Gap trading around major news releases or just before extended market closures is also restricted, as it is considered inconsistent with realistic market conditions.Traders may not engage in excessive overleveraging, one-sided exposure, account rolling, or other behavior that circumvents risk management rules. FTMO accounts are for personal use only, and third-party account management is not permitted.
Errors / Violations Handling
First: warning; Second: profit cut or closure

FTMO vs The5ers vs Funding Pips vs E8

Prop Firm
Evaluation Type
Account Sizes
Cost
Profit Target
Max Loss
Scaling Max
Discount
FTMO
1-2 Step
$10k-$200k
€79-1080
10% (Phase 1), 5% (Phase 2)
10%
$2 Million
100K acc for €439 (reduced from €540)
The5ers
1-3 Step
$5k-$250k
$39-$850
6-10% (per phase)
6-10%
$4 Million
5% off (REVIEWS)
Funding Pips
Instant, 1-2 Step
$5k-$200k
$29-$998
6-10% (phase 1), 5-6% (phase 2)
5-10%
$2 million
20% off (HAPPY)
E8
1-Step
$5k-$500k
$40-$4460
6-21%
4-14%
None
10% off (PROPREVIEWS)

FTMO Pro's

  • Scale accounts up to $2 million, with 25% growth potential every four months
  • Established prop firm widely regarded as a top-tier provider
  • Entry fee refunded with first payout (2-step accounts only)

FTMO Con's

  • Account fees are higher than those of competitors
  • Phase 1 target of 10% may be overly ambitious

The5ers Pro's

(Read Full Review)

  • Scale accounts up to $4 million
  • Potential to secure a stable monthly income via contract
  • Established since 2016, with a reputation as one of the industry’s top firms

The5ers Con's

  • Relatively low leverage in Bootcamp and Hyper Growth programs
  • Excludes U.S. traders
  • Restricted platform offering, with only two trading platforms available

Funding Pips Pro's

(Read Full Review)

  • Scale accounts up to $2 million
  • Broad global access, with only a few restricted countries

Funding Pips Con's

  • Additional fees apply for cTrader
  • Live support can be inconsistent
  • Provides funding across forex, futures, and cryptocurrency markets
  • Offers a flexible, adjustable drawdown structure

E8 Con's

  • Limited to one-step evaluation models
  • Lacks account scaling opportunities

FTMO is widely considered one of the best retail proprietary trading firms in the industry, largely due to its long-standing track record since 2015 and strong reputation among traders. It delivers premium prop trading conditions for disciplined forex and indices traders, offering unlimited evaluation time, profit splits of 80–90%, and scaling potential beyond $400K. With a 4.8★ Trustpilot rating from over 40,000 traders and reliable bi-weekly payouts, FTMO continues to stand out as a trusted and established prop firm.

Traders also benefit from the ability to have their evaluation fee refunded with their first payout, reducing overall risk. Additionally, successful traders have the opportunity to transition into a professional trader role through an FTMO contract, further enhancing long-term career potential.

However, FTMO isn’t for everyone. Strict drawdown limits (5% daily / 10% overall), restrictions around news trading on Normal accounts, and the lack of instant funded options or futures trading may limit its appeal for some traders, particularly scalpers or those seeking faster funding paths.

Bottom line: FTMO is best suited for disciplined traders who can follow strict risk management rules and want a structured path to scaling capital with a reputable firm. If you prefer instant funding or more flexible conditions, it’s worth exploring alternative prop firms that better match your trading style.

Otherwise, explore these strong alternatives:

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