- Profit split: 80% on 2-Step accounts (90% after the Scaling Plan), 90% from day one on 1-Step accounts.
- First payout: available from day 14 after your first trade on the funded account; after that, payouts are on demand.
- Processing: 1–2 business days review, then 1–2 business days for the transfer.
- Methods: bank wire, Visa Direct / Mastercard Send, Skrill, crypto — no commission charged by FTMO.
Payouts are where a prop firm either proves itself or falls apart, so it is worth knowing exactly how FTMO’s system works before you ever pass the Challenge. This guide covers the split, the schedule, the methods and the small print, using FTMO’s official FAQ and Scaling Plan pages as sources.
For the evaluation rules themselves, see FTMO rules explained.
The profit split
| Route to funding | Starting split | Maximum split |
|---|---|---|
| 2-Step Challenge | 80% | 90% (via Scaling Plan) |
| 1-Step Challenge | 90% | 90% |
The classic two-phase route (Challenge → Verification) pays 80% of profits to the trader, rising to 90% once you meet the Scaling Plan conditions below. The single-phase 1-Step route pays 90% immediately — but it comes with a tighter 3% daily loss limit and a Best Day rule, so the higher split is not free. The trade-offs are covered in FTMO account types.
When you can withdraw
First payout
You can request your first reward in Account MetriX on the 14th day — or any day after — counted from the first trade you place on the funded FTMO Account. All positions must be closed when you submit the request.
After the first payout: on demand
From then on, there is no fixed cycle. You choose your own payout day and can request rewards on demand — monthly, after a good run, or whenever suits you.
Processing timeline
- Request the payout in Account MetriX (all positions closed).
- FTMO reviews the request: 1–2 business days.
- After the invoice is approved, payment goes out within 1–2 business days.
- Arrival depends on the method — bank wires may add intermediary-bank time.
Realistically, plan for around 3–5 business days from request to money received.
Payout methods, caps and minimums
| Method | Cap | Minimum closed profit | Notes |
|---|---|---|---|
| Bank wire | None | $20 | Intermediary bank fees possible |
| Visa Direct / Mastercard Send | $20,000 | — | Direct to card |
| Skrill | $3,000 | — | E-wallet |
| Cryptocurrency | None | $50 | Covers transaction cost |
FTMO charges no withdrawal commission of its own. The minimums exist to cover transfer costs: at least $20 in closed profit for a wire, $50 for crypto.
For a cross-firm view of withdrawal rails, see prop firm withdrawal methods 2026.
Fee refund
The Challenge fee is refunded in full together with your first profit split once you reach the funded stage. If you fail the evaluation, the fee is not refunded.
Rolling profits into the account
On 2-Step accounts you can skip a payout and keep the reward (minimum $20 equivalent) on the account to trade a larger balance. 1-Step accounts do not offer this option.
The Scaling Plan: getting to 90%
The 90% split applies to 2-Step accounts that meet all of the following:
| Condition | Requirement |
|---|---|
| Time funded | At least 4 months as an FTMO Trader |
| Profit | At least 10% of initial (or scaled) capital in total net profit |
| Payouts | At least 2 processed rewards |
| Balance | Positive at the time of scale-up |
Qualifying accounts grow 25% every 4 months, up to $2,000,000, and the split moves to 90%.
Practical notes
- Close every position before requesting — open trades block the request.
- Payout review is also where prohibited-practice checks happen; read FTMO’s prohibited strategies before you get creative.
- Caps, minimums and methods change occasionally — confirm the current terms on the official site before relying on them.
- Tax treatment depends on your country; see the tax guides for the US and UK.
Bottom line
FTMO’s payout design is one of the more transparent in the industry: a 14-day wait for the first reward, on-demand payouts afterwards, published processing times, and no commission on FTMO’s side. The 80% starting split is not the highest on the market, but the path to 90% is clearly defined rather than promotional fine print.
Prefer skipping the evaluation entirely? The5%ers offers instant funding with splits scaling to 100% — see The5%ers official (coupon code HZZS4 for a discount).