FTMO
VerifiedCountry
CZ
Trust Pilot
4.8 
CreatedDate Created
2015
YearsYears in Operation
11
Fair
Final Verdict on FTMO
FTMO offers two evaluation products: FTMO Challenge: 1-Step and FTMO Challenge: 2-Step. Fees start from €79 for the $10K 1-Step Challenge and €89 for the $10K 2-Step Challenge. Traders can choose account balances in USD, GBP, EUR, CZK, CAD, AUD or CHF. All FTMO Challenge accounts are simulated accounts with fictitious funds, and trading is not in real financial instruments.
BPF Score
Trustpilot: 4.8/5
★ (42,200)
Challenge Types
1-step, 2-step
Trading Platforms
MT4, 
MT5, 
cTrader Profit Split
90%
Challenge Fees
Starting from €79
Fair
Based on 75/100 BPF Score
Challenges
Fees
Markets
Payouts
Platforms
Trust
Pros
- Two evaluation products: 1-Step and 2-Step
- Scaling Plan up to $2,000,000
- Up to 90% reward split
- Three current platform choices: MT4, MT5 and cTrader
- Account balances available in USD, GBP, EUR, CZK, CAD, AUD and CHF
- Support in 20 languages and availability across 140+ countries
Cons
- 2-Step has a 4-day minimum trading day requirement in each phase
- 1-Step Best Day Rule means the most profitable day cannot exceed 50% of Positive Days' Profit
- 1-Step uses an end-of-day trailing max loss
- 1-Step Challenge fee is not refunded after passing
- 1-Step does not offer Swing conditions
- DXtrade is no longer a current new-account platform option
Best For
Traders who want a choice between 1-Step and 2-Step evaluations, MT4/MT5/cTrader platform access, multi-currency account balance options, automatic scaling, strong education tools, and a well-established prop firm with global reach.
Not Ideal For
Traders who need initial account sizes above the listed balance options before scaling, want DXtrade for a new account, need Swing conditions on the 1-Step Challenge, or want the 1-Step fee refunded after passing.
Our Take on FTMO
FTMO offers two evaluation products: FTMO Challenge: 1-Step and FTMO Challenge: 2-Step. Fees start from €79 for the $10K 1-Step Challenge and €89 for the $10K 2-Step Challenge. Traders can choose account balances in USD, GBP, EUR, CZK, CAD, AUD or CHF. FTMO currently supports MT4, MT5 and cTrader, with simulated FTMO Challenge accounts and performance-based rewards.
2-Step rewards start at 80%, with 90% available through the Scaling Plan. The 1-Step FTMO Account pays 90% from the start. Traders can reach a maximum FTMO Account allocation of $400,000 or equivalent before scaling, with the Scaling Plan growing up to $2,000,000 or equivalent.
Key Facts
| Evaluation Types | 1-step, 2-step |
| Max Reward Split | 90% |
| Payout Schedule | Bi-weekly |
| First Payout | After 14 days |
| Payout Processing | Average 8 hours |
| Platforms | MT4, MT5, cTrader |
| News Trading | Allowed in evaluation; restricted on Standard FTMO Accounts; Swing exempt |
| Weekend Holding | Allowed in evaluation; FTMO Account: Swing only |
| Expert Advisors (EAs) | Allowed (subject to forbidden practices) |
| Trustpilot | 4.8/5 (42,200 reviews) |
Data last verified:
Verified against FTMO's published terms and Trustpilot record on .
Consistency Rule
1-Step Best Day Rule: best day cannot exceed 50% of Positive Days' Profit
Location Availability
Challenge Accounts
FTMO currently offers two evaluation products: FTMO Challenge: 1-Step and FTMO Challenge: 2-Step. Both use simulated trading accounts with fictitious funds. The 1-Step Challenge has one evaluation phase, while the 2-Step Challenge uses a Challenge phase followed by Verification. Traders can choose account balances in USD, GBP, EUR, CZK, CAD, AUD or CHF.
The FTMO Challenge fee is a one-time fee. For the 2-Step Challenge, the fee is refunded with the first reward withdrawal after successfully reaching an FTMO Account. For the 1-Step Challenge, the fee is not refunded after passing.
FTMO Account Currencies
FTMO account sizes are not USD-only. Traders can choose their simulated account currency from USD, GBP, EUR, CZK, CAD, AUD and CHF. The account balance selected during the FTMO Challenge carries through to the FTMO Account after passing, and trading objectives scale as a percentage of that selected balance.
| Currency | Available account sizes |
|---|---|
| USD | $10,000, $25,000, $50,000, $100,000, $200,000 |
| GBP | £10,000, £20,000, £35,000, £70,000, £140,000 |
| EUR | €10,000, €20,000, €40,000, €80,000, €160,000 |
| CZK | Kč250,000, Kč500,000, Kč1,000,000, Kč2,000,000, Kč4,000,000 |
| CAD | C$15,000, C$30,000, C$60,000, C$120,000, C$240,000 |
| AUD | A$15,000, A$30,000, A$65,000, A$130,000, A$260,000 |
| CHF | CHF10,000, CHF20,000, CHF40,000, CHF80,000, CHF160,000 |
Profit targets, Maximum Daily Loss and Maximum Loss are percentage-based, so the cash value changes depending on the account currency and account size selected.
1-Step Challenge Fees
| Account Size | 1-Step Fee |
|---|---|
| $10,000 | €79 |
| $25,000 | €199 |
| $50,000 | €319 |
| $100,000 | €499 |
| $200,000 | €999 |
The 1-Step Challenge fee is not refunded after passing.
2-Step Challenge Fees
| Account Size | 2-Step Fee |
|---|---|
| $10,000 | €89 |
| $25,000 | €250 |
| $50,000 | €345 |
| $100,000 | €439 |
| $200,000 | €1,080 |
The fee table uses USD account size examples, but traders can also select account balances in GBP, EUR, CZK, CAD, AUD or CHF.
Evaluation Products
1 FTMO Challenge: 2-Step
The 2-Step Challenge is FTMO's classic evaluation model. It has a 10% target in the Challenge phase and a lower 5% target in Verification. It is available as either Standard or Swing, making it the better option for traders who need Swing conditions, weekend holding flexibility on the FTMO Account, or a refundable challenge fee.
| Evaluation process | 2 phases |
| Phase 1 target | 10% |
| Phase 2 target | 5% |
| Max Daily Loss | 5% |
| Max Loss | 10% |
| Max Loss type | Static |
| Minimum trading days | 4 days per phase |
| Trading period | Unlimited |
| Reward | Up to 90% |
| Refund | 100% with first reward withdrawal |
| Account type | Standard or Swing |
2 FTMO Challenge: 1-Step
The 1-Step evaluation is a single-phase challenge. The Maximum Daily Loss is 3% and the Maximum Loss is 10% end-of-day trailing, based on the highest end-of-day balance or initial balance (whichever is higher).
FTMO does not set a fixed minimum trading day requirement for the 1-Step Challenge, but the Best Day Rule affects how quickly it can realistically be passed. The most profitable day cannot exceed 50% of Positive Days' Profit when passing the challenge or qualifying for a reward.
The 1-Step Challenge is Standard only and does not offer Swing conditions.
The 1-Step Challenge fee is not refunded after passing.
| Evaluation process | 1 phase |
| Profit target | 10% |
| Max Daily Loss | 3% |
| Max Loss | 10% |
| Max Loss type | End-of-day trailing |
| Trading period | Unlimited |
| Reward | 90% |
| Best Day Rule | 50% |
| Refund | No |
| Account type | Standard only |
Account Types: Standard vs Swing
FTMO offers Standard and Swing account types on the 2-Step Challenge. The 1-Step Challenge is Standard only. Swing is useful for traders who need weekend holding and selected news trading flexibility after reaching an FTMO Account.
| Condition | 2-Step Standard | 2-Step Swing | 1-Step Standard |
|---|---|---|---|
| Available on product | Yes | Yes | Yes |
| Swing option available | No | Yes | No |
| Overnight holding on FTMO Account | No | Yes | No |
| Weekend holding on FTMO Account | No | Yes | No |
| News restriction on FTMO Account | 2-minute rule applies | No restriction | 2-minute rule applies |
| During Evaluation | Restrictions do not apply | ||
Traders who need Swing conditions should choose the 2-Step Challenge. The 1-Step Challenge is Standard only.
Scaling Plan
FTMO's Scaling Plan increases account balance by 25% per scale-up. To qualify, traders must complete a minimum 4-month cycle, achieve at least 10% total net simulated profit in the 4-month trading window, have at least 2 rewards processed, and maintain a positive balance at time of scale-up.
Traders can reach a maximum FTMO Account allocation of $400,000 or equivalent before scaling. The Scaling Plan can grow accounts up to $2,000,000 or equivalent. 2-Step rewards start at 80% and the Scaling Plan upgrades to 90%.
Scale-Up Amount
25%
Min Cycle
4 months
Max Allocation
$2M or equivalent
Max Reward Split
90%
Maximum pre-scaling allocation by currency
| Currency | Maximum pre-scaling allocation |
|---|---|
| USD | $400,000 |
| EUR | €320,000 |
| GBP | £280,000 |
| CAD | C$480,000 |
| AUD | A$520,000 |
| CHF | CHF320,000 |
| CZK | Kč8,000,000 |
FTMO does not set a fixed limit on the number of FTMO Challenge accounts, but it applies a maximum FTMO Account allocation before scaling. This limit is $400,000 or the currency equivalent across active FTMO Accounts.
Account merging
FTMO Accounts can only be merged if they use the same base currency, are not in drawdown, have no reward due for withdrawal, and come from the same product type. 1-Step FTMO Accounts cannot be merged with 2-Step FTMO Accounts.
The selected account currency carries through the account setup, so scaling and merging should be treated as currency-equivalent figures where the account is not in USD.
Premium Programme
FTMO's Premium Programme can work alongside the Scaling Plan. Traders who qualify through the 1-Step Challenge can reach Prime Status, but the 1-Step route has a more limited set of Premium Programme benefits than the 2-Step route. Supreme Status requires an active $400K FTMO Account or equivalent, subject to FTMO's account-size and merging rules.
Other Rules
News Trading
News trading is allowed during the Evaluation Process. On Standard FTMO Accounts, traders cannot open or close trades on targeted instruments within 2 minutes before or after selected high-impact news releases. Swing accounts are exempt from selected news restrictions. The 1-Step Challenge is Standard only, so Swing news flexibility is available only through the 2-Step Challenge.
Weekend & Overnight Holding
Weekend and overnight holding are allowed during the Evaluation Process. On FTMO Accounts, weekend and overnight holding is available on Swing accounts. Standard FTMO Accounts must follow the relevant holding restrictions.
Trade Access
Only the client may access and perform simulated trades. Third parties cannot trade for you or manage your account.
Phase Evaluation
FTMO will not evaluate a phase until all simulated trades and pending orders are closed.
Multiple Accounts
The total FTMO Account allocation across accounts held by the trader or affiliated parties cannot exceed $400,000 or equivalent before scaling.
Automation
FTMO supports automation tools such as EAs on supported platforms, but trading remains subject to FTMO's forbidden trading practices and risk management rules.
Account Modification
FTMO allows some platform or account modifications only at specific stages. Traders can switch platforms between MT4, MT5 and cTrader after completing a stage or after a reward cycle, depending on product type. Leverage cannot be changed after account setup. The 1-Step Challenge does not offer Swing, so account type changes to Swing are not available on 1-Step.
Platform changes are not available during active trading progress or on Free Trial accounts.
Simulated environment: All FTMO Challenge accounts are simulated accounts with fictitious funds. Trading is not in real financial instruments. FTMO is an educational and technology-driven company, not a broker.
Verdict on FTMO Challenges
FTMO offers two evaluation products: 1-Step and 2-Step. Fees start from €79 for the $10K 1-Step Challenge and €89 for the $10K 2-Step Challenge. Traders can choose account balances in USD, GBP, EUR, CZK, CAD, AUD or CHF. The 2-Step provides a two-phase structure with a 10% Challenge target and 5% Verification target, while the 1-Step uses one evaluation phase with a 10% target, 3% Maximum Daily Loss, end-of-day trailing Maximum Loss and a 50% Best Day Rule. The 2-Step is available as Standard or Swing, while the 1-Step is Standard only.
Commission Fees & Pricing
FTMO uses RAW-style spreads with commission-based pricing on selected instruments. Commission rates vary by symbol and platform, so traders should check live symbol specifications inside their selected platform before trading.
Note: Specific spread and commission figures should be verified against the current official FTMO Symbols page, as these may change over time.
Verdict on Spreads & Commissions
FTMO provides RAW-style pricing with symbol-specific commission and spread conditions. Traders should check live symbol specifications on their chosen platform before trading, as costs can vary by instrument.
Financial Markets & Leverage
FTMO provides simulated trading across Forex, Exotics, Metals CFD, Cash CFD, Crypto CFD and Equities CFD. This includes major and minor forex pairs, exotic FX pairs, gold, silver, platinum, palladium and copper, cash indices, oil, gas, soft commodities, crypto CFDs and selected US and European equity CFDs.
Forex
AUD/CAD, AUD/JPY, AUD/USD, EUR/USD, GBP/USD, USD/CAD, USD/CHF, USD/JPY
Exotics
EUR/CZK, EUR/HUF, EUR/NOK, EUR/PLN, USD/CNH, USD/HKD, USD/MXN, USD/ZAR, USD/SEK
Metals CFD
XAU/USD, XAU/EUR, XAU/AUD, XAG/USD, XAG/EUR, XAG/AUD, XPD/USD, XPT/USD, XCU/USD
Cash CFD
AUS200.cash, US30.cash, SPN35.cash, EU50.cash, FRA40.cash, GER40.cash, HK50.cash, JP225.cash, US100.cash, US500.cash, UK100.cash, UKOIL.cash, USOIL.cash, NATGAS.cash, DXY.cash, US2000.cash
Soft commodity and energy-style cash symbols: COCOA.c, COFFEE.c, CORN.c, SOYBEAN.c, WHEAT.c, HEATOIL.c, COTTON.c, SUGAR.c
Crypto CFD
BTCUSD, ETHUSD, LTCUSD, XRPUSD, ADAUSD, DOTUSD, DOGEUSD, SOLUSD, AVAUSD, BCHUSD, BNBUSD, UNIUSD, XLMUSD
Weekend trading hours on crypto CFDs may vary by platform due to scheduled maintenance and trading updates.
Equities CFD
AAPL, AMZN, BA, BABA, BAC, BMW, GOOG, IBM, JPM, MSFT, NFLX, NVDA, TSLA, V, WMT, XOM, AMD, ASML, LVMH, TTE
Verdict on Markets
FTMO provides access to a wide range of simulated CFD markets including forex, exotics, metals, cash CFDs, crypto CFDs and equities CFDs. Bonds should not be listed as a current confirmed asset class.
Trading Platforms
FTMO currently supports three trading platforms for new FTMO Challenge accounts: MetaTrader 4 (MT4), MetaTrader 5 (MT5) and cTrader.
MetaTrader 4 (MT4)
The most popular forex trading platform globally. Supports automated trading via Expert Advisors (EAs) with over 15,000 available. Includes 30 built-in indicators, 9 timeframes, and 24 analytical objects (Fibonacci, Gann tools). Available on desktop, web, and mobile.
MetaTrader 5 (MT5)
Enhanced version with 38 built-in indicators, 21 timeframes, 44 analytical objects, an economic calendar, and real-time market news. Suitable for trading a wider range of asset classes. Available on desktop, web, and mobile.
cTrader
cTrader offers advanced charting, order management and cTrader Automate/cBots functionality. Any automation must still follow FTMO's trading rules and forbidden trading practices.
Verdict on Trading Platforms
FTMO's current platform offering of MT4, MT5 and cTrader gives traders access to strong charting, manual execution and automation options on supported platforms. DXtrade should not be shown as a current option for new accounts.
Payments & Profit Payout
FTMO calls its payouts "rewards". Rewards are based on simulated profits from the FTMO Account.
2-Step Reward
80% → 90%
1-Step Reward
90%
First Reward After
14 days
Processing Time
Avg 8 hours
Reward Structure
Rewards are processed on a bi-weekly basis. Traders can request a reward after 14 days from the first trade. The average processing time is stated as 8 hours on the Scaling Plan page.
2-Step rewards start at 80% of simulated profits. Through the Scaling Plan, this increases to 90%.
1-Step rewards are 90% of simulated profits on the FTMO Account.
The 2-Step Challenge fee can be refunded with the first reward withdrawal after successfully reaching an FTMO Account. The 1-Step Challenge fee is not refunded after passing.
Payment Methods (Challenge Fees)
FTMO Challenge fees can be paid by bank wire transfer, debit/credit card, cryptocurrencies or Skrill. Apple Pay and Google Pay are also shown as instant card-based payment options. Availability may vary by country.
Credit / Debit Card
Apple Pay
Google Pay
Skrill
Bank Wire Transfer
Crypto
Reward Withdrawal Methods
FTMO rewards can be withdrawn by bank wire transfer, Visa Direct / Mastercard Send, Skrill or cryptocurrencies. FTMO does not charge additional withdrawal commissions, but minimum closed profit requirements apply for some methods because of transaction costs.
Bank Wire Transfer
Visa Direct / Mastercard Send
Skrill
Crypto
Verdict on Rewards & Payouts
FTMO provides a bi-weekly reward structure with an average 8-hour processing time. The 1-Step product offers 90% from the start, while 2-Step traders start at 80% and can scale to 90%. The key difference is fee refund treatment: 2-Step fees can be refunded with the first reward withdrawal, while 1-Step fees are not refunded after passing. FTMO supports multiple global payment and reward withdrawal methods, though availability can vary by country.
Customer Service & Education
FTMO has one of the stronger support and education setups among prop firms, with 20-language support, FTMO Academy, Free Trial access, Account MetriX, Account Analysis, Trader's Analysis, Trading Journal, Mentor Application, Statistical Application, trading calculators, Quick Trade Manager and Equity Simulator.
Customer Support
FTMO provides 24/7 customer support through Live Chat, WhatsApp, Email and Phone. The team covers 20 languages including Arabic, Czech, Spanish, French, German, Hebrew, Italian, Japanese, Polish, Portuguese, Russian, Serbian, Swahili, Tagalog, Turkish, Ukrainian, English, Vietnamese, and more.
Live Chat
Phone
Educational Resources & Tools
FTMO's educational and trader-tool layer covers strategy, psychology, analytics and platform productivity.
FTMO Academy
Structured educational content covering trading basics, platform setup, strategy, psychology and rule guidance.
Free Trial
Free Trial access to FTMO's platforms and the evaluation rule structure, so traders can test conditions before paying for a Challenge.
Account MetriX, Account Analysis & Trader's Analysis
Account MetriX tracks progress, Account Analysis breaks down individual trades, and Trader's Analysis turns historical performance into actionable insight.
Trading Journal, Mentor Application & Statistical Application
The Trading Journal, Mentor Application (money management and discipline) and Statistical Application (weekly market overview) round out FTMO's trader-improvement tools.
Trading Calculators
Margin Calculator, Pip Calculator and similar tools to help size positions correctly under FTMO's risk rules.
Quick Trade Manager & Equity Simulator
Quick Trade Manager helps with one-click execution and risk-controlled order entry. Equity Simulator forecasts strategy outcomes over different scenarios.
Performance Coaches
Psychology-major performance coaches who assist with trading discipline and self-confidence. Available to FTMO Account holders.
Verdict on Customer Service & Education
FTMO scores strongly for support and education because it combines 24/7 support in 20 languages with a wide tool suite, Free Trial access, FTMO Academy and performance-focused trader resources.
Trust & Community
FTMO is one of the most established prop trading brands, operating since 2015 with millions of customers worldwide. It offers simulated trading services, educational tools and performance-based rewards, not brokerage services. Its global reach, strong education ecosystem, active community and long operating history make it one of the more trusted firms in the prop trading space.
FTMO Trustpilot Score
4.8/5
Excellent
FTMO holds an Excellent Trustpilot rating of 4.8/5. The overwhelmingly positive sentiment and established track record since 2015 make FTMO one of the most trusted prop firms in the industry.
Brand & Reach
2015
Established
3.5M+
Customers worldwide
$500M+
Paid in rewards
140+
Countries served
100K+
Discord community
400K
YouTube subscribers
Community
FTMO has a Discord community of over 100,000 members alongside various unofficial Facebook groups full of activity and engaged traders sharing insights. FTMO also offers a 'Chat with Charts' section on their portal for sharing trade ideas and analysis.
About FTMO: FTMO is an educational and technology-driven company offering simulated trading environments, not a broker. All FTMO Challenge accounts are simulated accounts with fictitious funds, and trading is not in real financial instruments.
Verdict on Trust & Community
FTMO scores full marks for trust thanks to its Excellent Trustpilot rating, transparent operations since 2015, 3.5M+ customers worldwide, and easy contactability via phone, email, WhatsApp, and live chat. The 100K+ Discord community and strong social media presence further reinforce FTMO's position as one of the most trusted prop firms in the industry. FTMO scored 9/10 for trust.
Overall Score for FTMO
FTMO offers two evaluation products: FTMO Challenge: 1-Step and FTMO Challenge: 2-Step. Fees start from €79 for the $10K 1-Step Challenge and €89 for the $10K 2-Step Challenge. Traders can choose account balances in USD, GBP, EUR, CZK, CAD, AUD or CHF. All FTMO Challenge accounts are simulated accounts with fictitious funds, and trading is not in real financial instruments.
The 2-Step has a 10% then 5% target structure with 5% Maximum Daily Loss and 10% Maximum Loss, both based on the initial balance. The 1-Step has a 10% target, 3% Maximum Daily Loss and a 10% end-of-day trailing Maximum Loss, plus a Best Day Rule where the most profitable day cannot exceed 50% of Positive Days' Profit. The 2-Step is available as Standard or Swing, while the 1-Step is Standard only.
Rewards are processed bi-weekly and traders can request a reward after 14 days from the first trade on the FTMO Account. 2-Step rewards start at 80% and can scale to 90%, while 1-Step rewards are 90% from the start. The 2-Step fee can be refunded with the first reward withdrawal, but the 1-Step fee is not refunded after passing. FTMO currently supports MT4, MT5 and cTrader, and serves traders across multiple regions with localised terms and payment options.
Frequently Asked Questions
Data Sources
- https://ftmo.com/en/trading-objectives/
- https://ftmo.com/en/faq/
- https://ftmo.com/en/symbols/
- https://ftmo.com/en/scaling-plan/
Last reviewed 2026-07-07 · Data verified 2026-06-16