FTMO vs Instant Funding - Prop Firm Comparison (March 2026)
Head-to-head comparison of FTMO and Instant Funding. Check max funding, profit splits, daily and overall drawdown rules, leverage, tradable assets, payout frequency, payment and payout methods, trading permissions and KYC restrictions before you buy a challenge. Data refreshed March 2026.
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FTMO
FTMO is a Prague-based prop trading evaluation company founded in 2015 that uses a two-step challenge (FTMO Challenge + Verification) with unlimited time, strict 5% max daily loss and 10% max loss limits, and Normal or Swing funded account types....
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Instant Funding
Instant Funding (operated by Acello Ltd in the UK and IF Pro Ltd in Saint Lucia) is a no-evaluation prop firm offering Instant Funding (smart drawdown), IF Micro, IF1 (24-hour account), One-Phase, One-Phase Micro, Two-Phase, and Two-Phase Max programs. The flagship Instant Funding account has...
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| Overview | ||
| Trustpilot Rating | 4.8 | 0 |
| Trustpilot Reviews | 40,041 | 0 |
| Headquarters | Czech Republic | United Kingdom |
| Age (Years) | 11 | 5 |
| Max Funding | $400,000 | $3,840,000 |
| Profit Split Start | 80% | 80% |
| Profit Split Max | 90% | 95% |
| Platforms | MT4 MT5 cTrader DXtrade | MT4 MT5 cTrader dxTrade TradeLocker |
| Assets | FX Indices Commodities Stocks Crypto | Forex Commodities Metals Indices Cryptocurrencies |
| Leverage | ||
| FX Leverage | 100 | 100 |
| Metals Leverage | 30 | 20 |
| Crypto Leverage | 3.3 | 2 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | Maximum Daily LossFTMO applies a 5% Maximum Daily Loss. It is calculated from the account’s balance at midnight CE(S)T (platform time) each day and includes the running total of the day’s closed trades + floating P/L, including commissions and swaps. If the daily limit is exceeded at any time, the account fails. | 2 |
| Max Total Loss | Maximum LossFTMO applies a 10% Maximum Loss (overall loss limit). This is a static cap measured against the account’s starting balance, and it is evaluated on equity (closed + floating results, including trading costs). Breaching it at any time results in account failure. | 10 |
| Drawdown Type | Drawdown ModelFTMO uses static loss limits: a daily loss limit that resets at midnight (platform time) and an overall loss limit based on the starting balance. Both limits include floating P/L and trading costs (commissions/swaps), so equity protection matters as much as closed P/L. | Smart drawdown (Instant Funding) and static drawdown (evaluation accounts) |
| Payouts | ||
| Payout Frequency | Payout FrequencyFTMO rewards are processed on request. Once you have access to the FTMO Account, you can request your reward after a minimum of 14 calendar days from your first day of trading on the FTMO Account (biweekly request cadence).Minimum profit thresholds apply to cover transaction costs (e.g., $20 minimum for bank transfer, $50 minimum for crypto withdrawals). | Weekly or Bi-Weekly |
| Days to First Payout | 14 | 14 |
| Payout Processing Time | Payout ProcessingReward requests go through a review step (typically 1–2 business days). After approval, payments are usually processed within an additional 1–2 business days, depending on the chosen payout method and banking/processor timelines. | 2 |
| Payout Methods | Bank Transfer Cryptocurrency Skrill Neteller | Bank Transfer Crypto (USDT TRC20/ERC20/BEP20 BTC) |
| Payments | ||
| Payment Methods | Credit/Debit Card Bank Transfer Cryptocurrency Skrill | Credit/Debit Card Apple Pay Google Pay PayPal Crypto |
| Trading Permissions | ||
| News Trading | Evaluation (FTMO Challenge + Verification): news trading is allowed freely during all releases.FTMO Account (Normal): for specified high-impact announcements and targeted instruments, you must not open or close trades (including SL/TP triggers) in the 2 minutes before to 2 minutes after the release.FTMO Account Swing: news trading restrictions do not apply. | Allowed during evaluation; funded accounts require add-on to trade major news events. |
| Weekend Trades | Evaluation (FTMO Challenge + Verification): holding trades over the weekend is allowed.FTMO Account (Normal): positions must be closed before the weekend market close (or if the market break/rollover is longer than 2 hours). Some cryptocurrencies may be tradable during specific weekend hours.FTMO Account Swing: no restrictions on holding positions over the weekend. | Overnight trades allowed; weekend holding requires add-on on funded accounts. |
| Copy Trading | Trade copying tools can be used as long as your trading remains compliant with FTMO’s rules. FTMO’s services are for personal use only: you must not allow any third party to access or trade your accounts, and coordinated/manipulative trade patterns between connected accounts (e.g., opposite positions across accounts for manipulation) are forbidden. | Allowed only between accounts owned by the same trader. |
| EA Allowed | EAs are allowed as long as the strategy is legitimate, replicable in real markets, and does not fall into forbidden practices. Note that automated trading that overloads servers (e.g., excessive server requests) is prohibited, and widely used third-party EAs may risk breaching maximum capital allocation constraints if multiple users run the same strategy. | EAs allowed if non-abusive and non-latency based. |
| KYC & Restrictions | ||
| KYC Required | No | No |
| KYC Stage | FTMO requires identity verification before becoming an FTMO Trader and signing the FTMO Account Agreement. For individuals, this is KYC and typically requires a government-issued ID and proof of address. Businesses may require KYB documentation. Once the verification is complete, the FTMO Account Agreement is unlocked for signing in the Client Area. | KYC required before first payout. |
| Restricted Countries | Afghanistan Albania Algeria American Samoa Barbados Belarus Burkina Faso Burundi Cambodia Central African Republic Cuba Democratic Republic of the Congo Eritrea Guam Guinea Guinea-Bissau Haiti Hong Kong Iran Iraq Kazakhstan Kosovo Libya Mali Morocco Myanmar Nicaragua North Korea Pakistan Palestine Panama Puerto Rico Russia Samoa Sierra Leone Somalia South Sudan Sudan Syria Tunisia Uganda Ukraine (Crimea Donetsk Luhansk) United Arab Emirates United States Minor Outlying Islands Venezuela Virgin Islands (US) Yemen Zimbabwe | Afghanistan Belarus Central African Republic Cuba Democratic Republic of the Congo Eritrea Guinea-Bissau Iran Iraq Lebanon Libya Mali Myanmar North Korea Russia Somalia South Sudan Sudan Syria Yemen Zimbabwe |