FTMO vs The5ers: the rules compared

FTMO Challenge 2-Step (2-Step)

High Stakes (New) (2-Step)

€540 one-time

US$405 one-time

US$10,000

US$8,000

€54 / 1,000 USD

without activation fee (not recorded)

US$50.63 / 1,000 USD

without activation fee (not recorded)

1.5

1.88

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

4 % = US$4,000, from the higher of balance and equity at day start, 00:00 MT5 server time (GMT+2/GMT+3)

The FAQ states 5% / 10% in general; the plan table states 4% / 8% for 50K and 100K. The table is recorded.

10 % = US$10,000, static

8 % = US$8,000, static

4 days

3 days (Profitable day = closed positions with at least 0.5% of initial balance profit (minimum of midnight balance and equity minus previous day balance).)

none

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

4 % = US$4,000, from the higher of balance and equity at day start, 00:00 MT5 server time (GMT+2/GMT+3)

The FAQ states 5% / 10% in general; the plan table states 4% / 8% for 50K and 100K. The table is recorded.

10 % = US$10,000, static

8 % = US$8,000, static

none

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

80 % → 100 % (Via the scaling plan: 85% from USD 175,000, 90% from USD 250,000, 100% from USD 350,000 account size.)

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.

14 days after the "funded" account is activated.

every 14 days: Every 14 days from the last approved withdrawal; the timer restarts after a scale-up.

US$20

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

50K: max USD 3,000 per payout, minimum profit USD 300. 100K: max USD 4,000, minimum profit USD 500.

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.

3.5% commission per withdrawal via Rise, crypto or bank transfer (plus bank fees); crypto max USD 1,500 per withdrawal. Payout as Hub credit without commission (usable for purchases only).

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).

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 scales at each 10% target (min 3 profitable days) per table up to USD 500,000; from USD 350,000 an additional fixed monthly payout per the firm.

Accounts expire after 30 inactive days (evaluation) or 60 days ("funded").

restricted

On FTMO Accounts (Standard) positions must be closed before breaks longer than 2 hours (e.g. the weekend). Allowed during Challenge, Verification and on Swing accounts.

allowed

Indices over the weekend carry a high swap.

allowed

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

restricted

EAs allowed except signal copying, tick scalping, latency/hedge arbitrage, HFT, emulators; trader must own the source code; stop-loss must be visible.

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, indices 1:25, metals 1:25, commodities 1:5, crypto 1:2

Temporarily oil at 1:5 only on 50K and 100K "funded" accounts.

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$4 per lot round trip

The page states this value for forex. Its readable text names no commission for metals, indices, crypto or commodities.

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.

Five Percent Online Ltd (IL)

2015

2016

accepted

via another entity

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

restricted

US clients: TradingView only, no cTrader.

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.

after passing the evaluation: Per the terms you become a Professional User after passing the evaluation and the "User Verification Process".

MT4, MT5, cTrader, TradingView

MT5, cTrader (not US), TradingView

US clients TradingView only. Platform choice is final after purchase.

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.

card, paypal, apple-pay, google-pay, crypto

Apple/Google Pay via PayPal Checkout; crypto via Confirmo.

bank-transfer, card, skrill, crypto

Card = Visa Direct / Mastercard Send.

rise, crypto, bank-transfer

Alternatively Hub credit (non-withdrawable).

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

Refund within 5 days of purchase if no trades were made; after that only as Hub credit.