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FTMO

  • Czech Republic
  • Since 2015

FTMO sells 11 funded-account plans in 11 programmes, paying traders 80 – 90% of their profits. Trading runs on MetaTrader 5, MetaTrader 4, cTrader, and TradingView.

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Does FTMO pay out?

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18
Payout risk
Verified payingConfidence: high8 evidenced payouts
4.5/5Trust rating 4.5 out of 5

Yes. FTMO pays, and the evidence that money leaves is unusually strong for this industry. Eight dated, attributable payout reports from named traders in August 2026 alone, several describing a second…

The firm
Updated

FTMO at a glance

FTMO is a proprietary trading firm based in Czech Republic, in business since 2015.

Profit split to the trader
80 – 90%
programmes, across 11 plans
11
Cheapest plan
$79

On the record

Based in
Czech Republic
Founded
2015
Chief executive
Otakar Šuffner
Trades through
Institutional Liquidity Provider
Platforms
MetaTrader 5, MetaTrader 4, cTrader, and TradingView
Instrument types
Cfd
Website
ftmo.com
Evidence last checked

Pay for a plan with

  • Apple Pay
  • Bank Transfer
  • Credit/Debit Card
  • Crypto
  • Google Pay
  • Nuvei
  • PayPal
  • Skrill
  • Revolut Pay

Get paid by

  • Bank Transfer
  • Crypto
  • Mastercard
  • Skrill
  • Visa Direct
Recorded by Wikilix from FTMO’s published terms and re-checked periodically.
Programme ledger

What FTMO sells

11 plans in 11 programmes: 5 one-step evaluations and 6 two-step evaluations.

11 programmes
Highest split · Standard Challenge - 1-Step 100K
90%
Most drawdown room · Standard Challenge - 1-Step 100K
10%
Fewest minimum days · Standard Challenge - 1-Step 100K
0
Highest leverage · Standard Challenge - 1-Step 100K
1:100
  • 1-stepStandard Challenge - 1-Step 100K1-step10% target10% max drawdown3% daily lossno minimum days90%profit split

    The rules

    Phase 1 target
    10%
    Max drawdown
    10% · Trailing, locked at end of day
    Daily loss limit
    3% · Balance based
    Minimum trading days
    0
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    No

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 1-stepStandard Challenge - 1-Step 10K1-step10% target10% max drawdown3% daily lossno minimum days90%profit split

    The rules

    Phase 1 target
    10%
    Max drawdown
    10% · Trailing, locked at end of day
    Daily loss limit
    3% · Balance based
    Minimum trading days
    0
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    No

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 1-stepStandard Challenge - 1-Step 200K1-step10% target10% max drawdown3% daily lossno minimum days90%profit split

    The rules

    Phase 1 target
    10%
    Max drawdown
    10% · Trailing, locked at end of day
    Daily loss limit
    3% · Balance based
    Minimum trading days
    0
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    No

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 1-stepStandard Challenge - 1-Step 25K1-step10% target10% max drawdown3% daily lossno minimum days90%profit split

    The rules

    Phase 1 target
    10%
    Max drawdown
    10% · Trailing, locked at end of day
    Daily loss limit
    3% · Balance based
    Minimum trading days
    0
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    No

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 1-stepStandard Challenge - 1-Step 50K1-step10% target10% max drawdown3% daily lossno minimum days90%profit split

    The rules

    Phase 1 target
    10%
    Max drawdown
    10% · Trailing, locked at end of day
    Daily loss limit
    3% · Balance based
    Minimum trading days
    0
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    No

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 2-stepStandard Challenge - 2-Steps 100K2-stepFee refunded10% target10% max drawdown5% daily loss4 min days80%profit split

    The rules

    Phase 1 target
    10%
    Phase 2 target
    5%
    Max drawdown
    10% · Static
    Daily loss limit
    5% · Balance based
    Minimum trading days
    4
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    Yes

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 2-stepStandard Challenge - 2-Steps 10K2-stepFee refunded10% target10% max drawdown5% daily loss4 min days80%profit split

    The rules

    Phase 1 target
    10%
    Phase 2 target
    5%
    Max drawdown
    10% · Static
    Daily loss limit
    5% · Balance based
    Minimum trading days
    4
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    Yes

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 2-stepStandard Challenge - 2-Steps 200K2-stepFee refunded10% target10% max drawdown5% daily loss4 min days80%profit split

    The rules

    Phase 1 target
    10%
    Phase 2 target
    5%
    Max drawdown
    10% · Static
    Daily loss limit
    5% · Balance based
    Minimum trading days
    4
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    Yes

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
Show 3 more
  • 2-stepStandard Challenge - 2-Steps 25K2-stepFee refunded10% target10% max drawdown5% daily loss4 min days80%profit split

    The rules

    Phase 1 target
    10%
    Phase 2 target
    5%
    Max drawdown
    10% · Static
    Daily loss limit
    5% · Balance based
    Minimum trading days
    4
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    Yes

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 2-stepStandard Challenge - 2-Steps 50K2-stepFee refunded10% target10% max drawdown5% daily loss4 min days80%profit split

    The rules

    Phase 1 target
    10%
    Phase 2 target
    5%
    Max drawdown
    10% · Static
    Daily loss limit
    5% · Balance based
    Minimum trading days
    4
    Max leverage
    1:100
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    Yes

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
  • 2-stepSwing Challenge - 2-Steps 100K2-stepFee refunded10% target10% max drawdown5% daily loss4 min days80%profit split

    The rules

    Phase 1 target
    10%
    Phase 2 target
    5%
    Max drawdown
    10% · Static
    Daily loss limit
    5% · Balance based
    Minimum trading days
    4
    Max leverage
    1:30
    Payout schedule
    14 days from the first placed trade
    Fee refunded on passing
    Yes

    On this programme

    • News tradingAllowed
    • Copy tradingNot allowed
    • Expert advisors (EAs)Allowed
    • Weekend holdingAllowed
    • Overnight holdingAllowed
    • Stop lossNot required
Compare all 11 programmes side by side
ProgrammeTypeSizesSplitTargetMax drawdownDaily lossMin daysLeverageFee refund
Standard Challenge - 1-Step 100K1-stepNot recorded90%10%10%3%01:100No
Standard Challenge - 1-Step 10K1-stepNot recorded90%10%10%3%01:100No
Standard Challenge - 1-Step 200K1-stepNot recorded90%10%10%3%01:100No
Standard Challenge - 1-Step 25K1-stepNot recorded90%10%10%3%01:100No
Standard Challenge - 1-Step 50K1-stepNot recorded90%10%10%3%01:100No
Standard Challenge - 2-Steps 100K2-stepNot recorded80%10%10%5%41:100Yes
Standard Challenge - 2-Steps 10K2-stepNot recorded80%10%10%5%41:100Yes
Standard Challenge - 2-Steps 200K2-stepNot recorded80%10%10%5%41:100Yes
Standard Challenge - 2-Steps 25K2-stepNot recorded80%10%10%5%41:100Yes
Standard Challenge - 2-Steps 50K2-stepNot recorded80%10%10%5%41:100Yes
Swing Challenge - 2-Steps 100K2-stepNot recorded80%10%10%5%41:30Yes
Rules as recorded by Wikilix from FTMO’s published terms. A rule that differs between sizes prints as a range; per-size prices are on the firm’s site.
Leverage

Leverage by market

Leverage runs from 1:3 on Crypto to 1:100 on FX, depending on the programme.

Market2-step
FX1:100
Crypto1:3
Metals1:50
Energy1:30
Stocks1:3
Indices1:50
Payouts

How FTMO pays

Traders keep 80 – 90% of their profits, paid out by Bank Transfer, Crypto, Mastercard, Skrill, and Visa Direct.

Profit split
80 – 90%
Payout methods
5
Plans refunding the fee
6 of 11
Payout schedules stated
1

Paid out by

  • Bank Transfer
  • Crypto
  • Mastercard
  • Skrill
  • Visa Direct

Payout schedules, in the firm’s words

  • 14 days from the first placed trade

    Standard Challenge - 1-Step 100K, Standard Challenge - 1-Step 10K, and Standard Challenge - 1-Step 200K and 8 more

Split and schedule, programme by programme

ProgrammeSplitPayout scheduleFee refund
Standard Challenge - 1-Step 100K1-step90%14 days from the first placed tradeNo
Standard Challenge - 1-Step 10K1-step90%14 days from the first placed tradeNo
Standard Challenge - 1-Step 200K1-step90%14 days from the first placed tradeNo
Standard Challenge - 1-Step 25K1-step90%14 days from the first placed tradeNo
Standard Challenge - 1-Step 50K1-step90%14 days from the first placed tradeNo
Standard Challenge - 2-Steps 100K2-step80%14 days from the first placed tradeYes
Standard Challenge - 2-Steps 10K2-step80%14 days from the first placed tradeYes
Standard Challenge - 2-Steps 200K2-step80%14 days from the first placed tradeYes
Standard Challenge - 2-Steps 25K2-step80%14 days from the first placed tradeYes
Standard Challenge - 2-Steps 50K2-step80%14 days from the first placed tradeYes
Swing Challenge - 2-Steps 100K2-step80%14 days from the first placed tradeYes

Payout policy

Payout Policy

Traders on an FTMO Account trade simulated capital and receive rewards in real money once a profit is made and the Trading Objectives and FTMO Account Agreement are met.

Requesting a reward

  • A claim can be made in Account MetriX on the 14th day after the first placed trade on that account, or any day after it.
  • All open positions and pending orders must be closed at the time of the request.
  • The account is reviewed and the outcome confirmed within 1 to 2 business days.
  • Once approved and the invoice accepted, the reward is typically sent within a further 1 to 2 business days.

Reward share

  • 2-Step: 80 percent of simulated profit, rising to 90 percent once Scaling Plan or Premium Programme conditions are met.
  • 1-Step: 90 percent from the outset.

Methods and limits

  • Bank wire transfer, instant transfer via Visa Direct or Mastercard Send up to 20,000 USD, Skrill up to 3,000 USD, or cryptocurrency.
  • No commission is charged on withdrawals. To cover transaction costs a minimum closed profit of 20 USD applies to bank wire and 50 USD to cryptocurrency.
  • Bank transfers are unavailable for payments and withdrawals in Venezuela, Cuba, Sudan and Ukraine.

Rollover and scaling

  • On the 2-Step programme a reward may be left on the account to build a larger balance and drawdown buffer, with a minimum rollover of 20 USD or the equivalent. Rewards on the 1-Step programme cannot be left on the account.
  • The Scaling Plan raises the account by 25 percent every 4 months up to 2,000,000 USD and lifts the share to 90 percent. It requires 4 months since funding or the last scale up, at least 10 percent net profit in that period, at least 2 processed rewards, and a positive balance at the time of the scale up.
Markets

What you can trade

6 asset classes, traded as CFDs.

6 asset classes

Asset classes

  • FX
  • Crypto
  • Metals
  • Energy
  • Stocks
  • Indices

Instrument types

  • CFDs
Commissions

Trading costs

A commission is charged on every market; the per-lot figures are below.

  • FX$5 per lot
  • Crypto0.0650%/Volume
  • Metals0.0014%/Volume
  • Energy$0
  • Stocks0.0040%/Volume
  • Indices$0

Commissions

Commission is charged per instrument group rather than per plan, and is the same on every account size and on both the 1-Step and 2-Step programmes.

  • Forex majors and exotics: 5 USD per lot, or the equivalent in the account currency.
  • Metals: 0.0014 percent of volume.
  • Indices: no commission.
  • Crude oil: no commission. Natural gas is the exception within energies and is charged 0.0014 percent of volume.
  • Equities: 0.004 percent of volume.
  • Cryptocurrencies: 0.065 percent of volume.

Swap is applied separately and varies by instrument and by direction. Commission, swap and contract size for each individual symbol are published on the symbols page and in the instrument specification inside the trading platform.

No commission is deducted from reward withdrawals. The fees that do apply sit on the payment method instead: PayPal, Skrill and cryptocurrency each carry 3 percent, while card, Apple Pay, Google Pay and Revolut Pay are free.

Trading rules

What FTMO lets you do

Across all 11 plans, as recorded programme by programme.

  • News tradingAllowed on every plan
  • Copy tradingNot allowed on any plan
  • Expert advisors (EAs)Allowed on every plan
  • Weekend holdingAllowed on every plan
  • Overnight holdingAllowed on every plan
  • Stop lossNot required on any plan

Trading Rules

What you may and may not do while trading differs between the Evaluation Process and a funded FTMO Account, and between the Standard and Swing account types.

During the Evaluation Process

  • News trading is unrestricted on both the 1-Step and 2-Step programmes and on either account type. You may trade through all macroeconomic releases provided you avoid Forbidden Trading Practices.
  • Overnight and weekend holding are permitted regardless of account type.

On a funded FTMO Account

  • News trading on a Standard account is blocked on the targeted instruments from 2 minutes before to 2 minutes after a restricted release. A position opened more than 2 minutes earlier may be held, but a Stop Loss or Take Profit triggering inside the window is treated as a breach. Restricted events are flagged in the Economic Calendar.
  • Overnight and weekend holding on a Standard account requires closing positions shortly before the weekend market close, or when a rollover break runs longer than 2 hours.
  • Swing accounts are exempt from both the news restriction and the holding restrictions at every stage.

Strategies and automation

  • Expert Advisors and algorithmic trading are permitted. Platform servers accept 200 orders at a time and 2,000 positions per day, and an EA generating more than 2,000 server requests per day may have to be adjusted.
  • A stop loss is not required, though safety measures are generally advisable.
  • Third party trading is prohibited. Nobody else may access or trade your account, and you may not trade another person's account or coordinate trades with a third party.
  • Hedging to circumvent the Best Day Rule is prohibited, including opposing positions on the same or highly correlated instruments and splitting a single trade idea across days to spread profit without spreading risk.
  • Simultaneous opposite positions across connected accounts or across different providers are treated as manipulative. Opposing positions on one single account are the stated exception.
  • Gap trading is prohibited, meaning opening trades ahead of scheduled major news or corporate reports, or within two hours of a market closing for at least two hours.
Consistency

Consistency rules

Consistency Rules

FTMO evaluates consistency primarily through its published Trading Objectives rather than through a separate consistency requirement. Provided risk management remains sustainable, no additional consistency conditions are applied to a trader's activity.

The rules that carry a consistency element differ by programme:

  • FTMO Challenge: 2-Step requires a minimum of 4 trading days in each phase, where a trading day is any day on which at least one position is opened. There is no Best Day Rule on this programme.
  • FTMO Challenge: 1-Step applies the Best Day Rule. The single most profitable day must not account for more than 50 percent of the total profit from all profitable days. Exceeding it is not a breach, but trading must continue until the share falls to 50 percent or below. There is no minimum trading days requirement on this programme.

The Best Day Rule applies both during the 1-Step evaluation and on the resulting FTMO Account, where it also governs reward eligibility. Progress against it is shown in Account MetriX.

Firm rules

Firm rules

Key rules

  • Australian traders
    Clients in Australia can use FTMO services which are facilitated via our affiliated VRGK entity as https://ftmo.com/au/
  • USA Traders
    Clients in the United States of America can use FTMO services facilitated via our affiliated entity at https://ftmo.oanda.com
  • Min trading days
    2-Step evaluation: 4 days | 1-Step evaluation: none | Funded: None
  • Best Day Rule
    Applies to the 1-Step programme only. Your most profitable day must not account for more than 50% of your Positive Days' Profit. Exceeding it is not a breach, but trading must continue until the share falls to 50% or below. There is no Best Day Rule on the 2-Step programme.
  • News Trading
    Allowed: Swing accounts (Both funded and evaluation phase), non-swing accounts (Evaluation phase only)
    Not allowed: Non-swing accounts (Funded stage only) within 2 minutes before or after high-impact news.
  • Weekend Trades
    Holding trades over the weekend and over a market rollover period longer than 2 hours is prohibited for funded traders (non-swing accounts). Standard Market hours are available on trading platforms and at: https://ftmo.com/en/symbols/. All changes to standard market hours are announced in the Trading Updates section: https://ftmo.com/en/trading-updates/
  • Capital Allocation Limit
    FTMO Traders; 400k max capital per strategy per person. Accounts with identical trading strategies exceeding $400,000 allocated capital may be suspended. Prime Status; 600k. Supreme Prime Status; 1Million
  • Third-Party Trading
    Your account must not be traded by any third party. You must not engage or cooperate with any third party to have that party place simulated trades for you or in coordination with you.
  • Position Sizes
    Opening significantly larger position sizes or substantially different numbers of positions compared to other trades is prohibited.
  • 1%–1.5% Risk Guidance Rule
    FTMO recommends risking no more than 1%-1.5% of your initial account balance per trade, helping traders avoid high-risk behavior that may trigger risk monitoring, warnings, or protective restrictions intended to prevent gambling-style trading.
  • Forbidden Trading Practices
    FTMO reserves the right to determine at its discretion if certain trades, practices, strategies, or situations are considered forbidden trading practices: https://ftmo.com/en/gambling-is-not-the-right-way-to-make-money/
    Forbidden trading practices explained: https://ftmo.com/en/forbidden-trading-practices/
    Forbidden trading practices per T&Cs: Price Feed Exploitation, External/Slow Data Feed Trading, Coordinated or Manipulative Trading, Trading Platform Violations, Unauthorized Automation or AI Trading, News & Gap Trading, Unrealistic or Harmful Trading Behavior
    See details: https://ftmo.com/en/terms-and-conditions/
  • Multiple Profile Accounts
    Opening multiple profile accounts is prohibited.
  • Copy Trading
    Copying other traders is prohibited. You must be the only person managing your accounts, and the maximum capital allocation limit applies across accounts running an identical strategy.
  • EAs
    Expert Advisors and algorithmic trading are permitted, and your trading style is your own choice provided it uses proper risk management and does not resemble a forbidden practice. Note the risk attached to a third party EA: other traders may already run the same strategy, and identical strategies that exceed the maximum capital allocation limit can result in an FTMO Account being denied.
  • Stop Loss
    Not required. FTMO does not require the use of a stop loss, though safety measures are generally advisable.
  • Inactivity rule
    You must open at least one trade every 30 days to prevent account termination due to inactivity. Alternatively, you can request to freeze your account for 7 days to 6 months to avoid termination.
Restricted countries

Where FTMO does not take traders

Residents of 72 countries cannot open an account with FTMO.

72 countries
  • Afghanistan
  • Anguilla
  • Antigua and Barbuda
  • Belarus
  • Belize
  • Bhutan
  • Burundi
  • Cape Verde
  • Central African Republic
  • Chad
  • Comoros
  • Cook Islands
  • Cuba
  • Djibouti
  • Dominica
  • Equatorial Guinea
  • Eritrea
  • Eswatini
Show 54 more
  • Fiji
  • Gabon
  • Gambia
  • Grenada
  • Guinea
  • Guinea-Bissau
  • Indonesia
  • Iran
  • Iraq
  • Kazakhstan
  • Kiribati
  • Kosovo
  • Kyrgyzstan
  • Lesotho
  • Liberia
  • Malawi
  • Mali
  • Marshall Islands
  • Mauritania
  • Micronesia
  • Myanmar
  • Nauru
  • Niger
  • Niue
  • North Korea
  • Papua New Guinea
  • Republic of the Congo
  • Russia
  • Saint Barthélemy
  • Saint Kitts and Nevis
  • Saint Lucia
  • Saint Vincent and the Grenadines
  • Samoa
  • San Marino
  • São Tomé and Príncipe
  • Seychelles
  • Sierra Leone
  • Solomon Islands
  • Somalia
  • South Sudan
  • Sudan
  • Suriname
  • Syria
  • Tajikistan
  • Timor-Leste
  • Tokelau
  • Tonga
  • Turkmenistan
  • Tuvalu
  • Uzbekistan
  • Vanuatu
  • Vatican City
  • Venezuela
  • Western Sahara
As published by FTMO. A country not listed here is not thereby accepted — check the firm’s own terms.
Worth comparing

Prop firms worth comparing

4 firms from the Wikilix directory set beside FTMO: the same country, the same kind of funding, a comparable split, or the best rated on the record.

4 firms
Figures as recorded on the Wikilix directory. A dash means the firm has not published that figure.

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