Funded Trading Plus vs Instant Funding - Prop Firm Comparison (March 2026)
Head-to-head comparison of Funded Trading Plus 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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Funded Trading Plus
Funded Trading Plus (FT+) is a Saint Lucia-registered prop firm brand with an operational office in Manchester, UK, offering Instant Funding plus 1-step and 2-step simulated challenges since 2021. Traders can access broad CFD markets (FX, indices, commodities, crypto) across...
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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 | 4.4 | 0 |
| Trustpilot Reviews | 2,630 | 0 |
| Headquarters | Saint Lucia | United Kingdom |
| Age (Years) | N/A | 5 |
| Max Funding | $400,000 | $3,840,000 |
| Profit Split Start | 80% | 80% |
| Profit Split Max | 100% | 95% |
| Platforms | MT5 cTrader Match-Trader DXtrade | MT4 MT5 cTrader dxTrade TradeLocker |
| Assets | FX Indices Commodities Crypto | Forex Commodities Metals Indices Cryptocurrencies |
| Leverage | ||
| FX Leverage | 30 | 100 |
| Metals Leverage | 30 | 20 |
| Crypto Leverage | 2 | 2 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | Maximum Daily LossFT+ uses a balance-based Daily Drawdown (Daily Simulated Loss) that resets each day at 16:59 (EST). A daily balance snapshot is taken, the daily loss amount is calculated as a percentage of that snapshot, and the account’s equity must not fall below the resulting Daily Drawdown figure.Daily Simulated Loss limits vary by program (typical published values): Master 6%, Experienced 4%, Advanced 5%, Premium 4%, Prestige Lite 3%, and Prestige Pro 5%. | 2 |
| Max Total Loss | Maximum Overall LossMaximum Simulated Loss limits vary by program and drawdown model. Core trailing-loss challenges include: Master 6% max loss, Experienced 6%, Premium 8% and Advanced 10%.Prestige variants use a static-loss structure with tighter daily limits and typical maximum loss caps such as 6% (Prestige Lite) or 10% (Prestige Pro), depending on the specific Prestige version chosen. | 10 |
| Drawdown Type | Drawdown ModelFunded Trading Plus uses two drawdown structures across its programs: Relative (trailing) drawdown on core challenges (Master/Experienced/Advanced/Premium) and Static drawdown on Prestige variants.Daily Drawdown is calculated from a daily balance snapshot and applies as a daily equity floor that resets once per day. | Smart drawdown (Instant Funding) and static drawdown (evaluation accounts) |
| Payouts | ||
| Payout Frequency | 7 | Weekly or Bi-Weekly |
| Days to First Payout | 0 | 14 |
| Payout Processing Time | Payout ProcessingWithdrawal requests are reviewed under FT+’s Risk Review Policy (withdrawals are a listed milestone for review). Processing time can therefore vary depending on whether a request is automatically cleared or requires manual risk-team review. | 2 |
| Payout Methods | Crypto Bank Transfer | Bank Transfer Crypto (USDT TRC20/ERC20/BEP20 BTC) |
| Payments | ||
| Payment Methods | Credit/Debit Card E-wallets Crypto | Credit/Debit Card Apple Pay Google Pay PayPal Crypto |
| Trading Permissions | ||
| News Trading | News trading is allowed in principle, and FT+ markets “trade news” as part of its ruleset. However, high-risk “coin-flip” behaviour (e.g., extremely high margin utilisation combined with short-duration trades during volatile news) may fail a withdrawal-time risk review. | Allowed during evaluation; funded accounts require add-on to trade major news events. |
| Weekend Trades | Funded Trading Plus states traders may hold trades over the weekend (“hold weekends”), supporting swing-style strategies. Traders should still monitor instrument trading hours/closures and manage gap risk. | Overnight trades allowed; weekend holding requires add-on on funded accounts. |
| Copy Trading | FT+ requires accounts to be traded independently. Copy trading between active FT+ accounts is not permitted, and hedging across multiple accounts is strictly prohibited (hedging within a single account is allowed). | Allowed only between accounts owned by the same trader. |
| EA Allowed | Expert Advisors (EAs), algos and bots are permitted. FT+ warns that abusive automation can lead to bans and may require traders to submit their EA for approval before receiving a simulated-live FT+ Trader account. EAs may not be used to copy trade or hedge across multiple FT+ accounts. | EAs allowed if non-abusive and non-latency based. |
| KYC & Restrictions | ||
| KYC Required | Yes | No |
| KYC Stage | KYC / identity checks are required at the FT+ Trader stage (simulated-live funded accounts), typically to confirm account ownership and support withdrawal processing under compliance requirements. | KYC required before first payout. |
| Restricted Countries | North Korea Myanmar Cuba Syria Iran Pakistan Vietnam | 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 |