FTMO vs FundingPips: the rules compared

FTMO Challenge 2-Step (2-Step)

2 Step Standard (2-Step)

€540 one-time

US$652 one-time

One-time price for MT5 and Match-Trader in the default configuration (5% daily loss, no add-ons); 20 USD more with cTrader. The 3% daily loss option is cheaper; the Swing and Swap-Free add-ons cost extra.

€54 / 1,000 USD

without activation fee (not recorded)

US$65.20 / 1,000 USD

without activation fee (not recorded)

1.5

1.3

10 % = US$10,000

8 % = US$8,000

5 % = US$5,000, from start-of-day balance, 00:00 CE(S)T

5 % = US$5,000, from the higher of balance and equity at day start, 00:00 platform time (UTC+2 winter time, UTC+3 summer time)

3% or 5% depending on the configuration purchased; 5% is recorded.

4 days

3 days

No minimum days with the 3% daily loss add-on.

unlimited

none

5 % = US$5,000, from start-of-day balance, 00:00 CE(S)T

5 % = US$5,000, from the higher of balance and equity at day start, 00:00 platform time (UTC+2 winter time, UTC+3 summer time)

3% or 5% depending on the configuration purchased; 5% is recorded.

80 % → 90 % (90% with the Scaling Plan or Premium Programme.)

60 % → 100 % (Choice of cycle: weekly 60%, bi-weekly 80%, on-demand 100% with conditions.)

Request on the 14th or any later day after the first trade on the account; review 1–2 business days, payment typically 1–2 business days after the invoice is approved.

Weekly cycle: 7 days after the first trade on the Master Account.

weekly: Weekly (60%), every 14 days (80%) or on demand (100%). Minimum 1% of account size.

US$20

Minimum closed profit USD 20 for bank wire and Visa Direct/Mastercard Send, USD 50 for crypto.

Per the FAQ FTMO charges no additional fees on reward withdrawals. Limits: Visa Direct/Mastercard Send up to USD 20,000, Skrill up to USD 3,000.

0.7% currency conversion adjustment on realised P&L when the instrument's profit currency differs from the account currency (Trading Update 28 Jul 2026; effective date depends on the agreement stage).

with the first payout

Scaling Plan: +25% account size every 4 months with at least 10% net profit in that period, up to USD 2M across all accounts.

Account breached after 30 days without a completed trade.

allowed

Overnight allowed; holding through market breaks longer than 2 hours is forbidden on FTMO Accounts (Standard).

restricted

Allowed in evaluation; on the Master Account only with the Swing add-on, otherwise auto-closed.

allowed

EAs and algorithmic trading allowed unless forbidden practices; server limit of 200 orders at a time and 2,000 positions per day.

restricted

Identical or copied trading across accounts counts towards the USD 400,000 maximum allocation per trader or strategy; above it accounts may be suspended.

forex 1:100, swing-account 1:30

Standard account up to 1:100, Swing account up to 1:30; lower on indices, metals and crypto.

forex 1:100

Forex: US$2.50 per lot per side (US$5 round trip) · Metals: 0.0007 % of position value per side (0.0014 % round trip) · Indices: none · Crypto: 0.0325 % of position value per side (0.065 % round trip)

Values from FTMO's dated announcements (forex and metals from 29 Sep 2025, crypto from 28 Jul 2025); FTMO shows the current symbol table only in the browser. FTMO names the same 0.0007% per side for NATGAS, HEATOIL and "Cash III CFD", although its indices post calls all index symbols commission-free.

Forex: US$5 per lot · Metals: US$5 per lot · Energies: none · Indices: none · Crypto: 0.04 % of position value

Standard account. Per FundingPips, Swing and Swap Free accounts pay USD 10 per lot on forex and metals. The firm does not say whether the amount is per side or for the whole trade, so it is not directly comparable with a round-trip value.

Reserve Bank of India (RBI), 19 Nov 2025 – The Reserve Bank of India's Alert List concerns persons resident in India. For the countries PropCrab covers, it does not change availability (operator decision of 3 November 2026). A listing is not proof of wrongdoing.

no listing recorded

FTMO s.r.o. (CZ), FTMO Evaluation Global s.r.o. (CZ)

The imprint does not state each company's role; US clients are served via ftmo.oanda.com.

FundingPips Corp (KM)

The site also names IFZA Business Park, Dubai, as registered address. The Cyprus company is a non-operational administrative office per the firm.

2015

accepted

via another entity

US clients via the affiliated site ftmo.oanda.com.

after passing the evaluation: 1-Step and 2-Step: FTMO Identity (KYC/KYB) after all evaluation objectives are met. Instant Account: at the first reward request.

MT4, MT5, cTrader, TradingView

MT5, cTrader, Match-Trader

card, apple-pay, google-pay, paypal, revolut-pay, skrill, crypto, bank-transfer

PayPal, Skrill and crypto carry a 3% fee; bank transfer in EUR/CZK only.

bank-transfer, card, skrill, crypto

Card = Visa Direct / Mastercard Send.

One-time fee, no subscription. The 2-Step fee is refunded with the first reward; 1-Step and Instant Account fees are not refundable.

since 29 Oct 2026 (first seen), scope not stated

from 24 Jul 2026, for new purchases

The 10% Phase 1 target is no longer offered since 24 Jul 2026, 06:00 server time; such accounts reset as 2 Step Flex with an 85% split.