FTMO Instant Account

Simulated account

Per FTMO, all trading (Challenge, Verification, FTMO Account) is simulated with fictitious capital. Rewards are paid in real money. FTMO reserves the right to use FTMO Account data for its own live accounts.

3 %

from start-of-day balance

Reset: 00:00 CE(S)T

a breach ends the account

10 % · trailing (closed balance)

The floor follows the highest closed balance in real time.

Stops: Follows the highest closed balance in real time, never decreases and does not reset on withdrawals.

≤ 30 % · best day ÷ total profit

payout waits until met

For a reward the best day may be at most 30% of total profit (losing days count). Not a breach; after a withdrawal the count restarts.

90 %

14 days

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.

– not documented for this version

USD 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).

no refund

none

restricted

On FTMO Accounts (Standard) no order execution from 2 minutes before to 2 minutes after selected news on affected instruments. Free during Challenge, Verification and on Swing accounts.

allowed

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

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

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

Lower on indices, metals and crypto.

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.