Last verified: July 13, 2026 against ftmo.com and ftmo.oanda.com. FTMO is the oldest major prop firm (Prague, 2015) and, since acquiring OANDA, serves US residents through FTMO US. All accounts are simulated capital.
The two programs are structurally different
Most comparison sites flatten FTMO into one row. In reality the 1-step and 2-step programs have different daily-loss percentages, different drawdown types, and different consistency rules:
| Rule | 2-Step (Challenge + Verification) | 1-Step |
|---|---|---|
| Profit target | 10%, then 5% | 10% |
| Max daily loss | 5% of initial balance | 3% of initial balance |
| Max overall loss | 10% — static (never moves) | 10% — end-of-day trailing |
| Min trading days | 4 + 4 | None |
| Time limit | Unlimited | Unlimited |
| Consistency rule | None | Best Day Rule: best day ≤ 50% of positive days’ profit (applies on funded account too) |
| Fee | Refundable with first payout | Non-refundable |
| Profit split | 80%, up to 90% via scaling | 90% from the start |
Sources: trading objectives, 1-step, 2-step.
Pricing (verified from FTMO’s own embedded price data)
| Account size | 2-Step (global, EUR) | 1-Step (global, EUR) | FTMO US 2-Step (USD list) |
|---|---|---|---|
| $10K | €89 | €79 | $99 |
| $25K | €250 | €199 | $289 |
| $50K | €345 | €319 | $399 |
| $100K | €540 | €499 | $619 |
| $200K | €1,080 | €999 | $1,249 |
Promos were active at last verification (e.g., $100K challenges discounted ~19–20% on both platforms). US pricing is USD-only; US platforms are MT5 and TradingView, vs MT4/MT5/cTrader globally.
Payouts and scaling
Payouts are on demand from day 14 after the first trade on the funded account (not monthly cycles): bank wire ($20 min), Visa Direct/Mastercard Send up to $20,000, Skrill up to $3,000, or crypto ($50 min). Scaling: +25% account size every 4 qualifying months (10% net profit + 2 processed rewards), up to $2M, with the 2-step split rising to 90%. Max capital allocation: $400,000 per trader/strategy before scaling. Source, scaling plan.
Rules worth knowing before you buy
- News restriction only on Standard funded accounts: no executions within ±2 minutes of listed high-impact releases on affected instruments (SL/TP triggering counts as a breach). Swing account type removes this and the weekend-holding restriction entirely. Evaluations are unrestricted for everyone. Source
- EAs and algos allowed (200 open orders max, 2,000 server requests/day); stop losses not mandatory
- Instruments: forex, indices, commodities, stocks, crypto CFDs
- Full forbidden-practices list (gap trading around news, correlated hedging to spread profit, account rolling, etc.): official page