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FTMO vs Instant Funding: Full Comparison

A side-by-side comparison of FTMO and Instant Funding built from our normalised 31-firm dataset. Every figure was read off the firms’ own pages, and each row carries its source and check date. Where we could not verify something we mark it “not verified” rather than leaving it blank.

Key findings

  • FTMO comes out ahead on Daily loss limit (5% vs 3%).
  • FTMO comes out ahead on Max drawdown (10% vs 8%).
  • Instant Funding comes out ahead on Min trading days (3 days vs 4 days).
  • Instant Funding comes out ahead on Payout cycle (7 days vs 14 days).
  • Instant Funding comes out ahead on Payout processing time (2 days vs 4 days).

Terms compared

Item FTMO Instant Funding
Evaluation model 2-step Multiple models
Lowest entry fee The two firms bill in different currencies, so the figures are not directly comparable. €79 $44
Max profit split 90% 90%
Profit target 10% 10%
Daily loss limit 5% Better 3%
Max drawdown 10% Better 8%
Drawdown type Static Static
Min trading days 4 days 3 days Better
Payout cycle 14 days 7 days Better
Payout processing time 4 days 2 days Better
Max leverage 1:100 1:100
Account sizes $10,000 / $25,000 / $50,000 / $100,000 / $200,000 $625 / $1,250 / $2,000 / $2,500 / $5,000 / $10,000 / $20,000 / $25,000 / $40,000 / $50,000 / $80,000 / $100,000 / $120,000 / $200,000 / $300,000
Asset classes forex, indices, commodities, stocks, crypto forex, indices, crypto, commodities
Trustpilot 4.8 (49,616) Rating withheld for a guideline breach
Third-party payout verification Self-reported only Third-party verified
Recorded rule changes None recorded None recorded

FTMO: Read the review Instant Funding: Read the review

How the drawdown works

Both firms use a static drawdown, so open profit affects your loss allowance the same way at each.

Third-party payout verification

FTMO

$650M+ — Self-reported only

Marketing figures, not a disclosure: no as-of date, no period, no auditor, no breakdown. FTMO documents crypto withdrawals alongside bank wire, Visa Direct / Mastercard Send and Skrill, but no third party publishes transaction-level records for it and FTMO is not among the firms Payout Junction tracks. The industry’s longest operating record is a reason to weigh the claim; it is not corroboration of it.

FTMO — homepage ("$650M+ Paid in rewards worldwide") · 2026-08-05

Instant Funding

$20,277,765+ — Third-party verified

The most granular claim in the set, and internally inconsistent: the same homepage states 2024 twice, as $6,031,799 in one block and $5,039,121 in another. The firm links Tronscan, Arbiscan and Etherscan addresses for "on-chain payouts", but self-selected wallet addresses are self-attestation, not third-party verification. The independent figure covers wallets Payout Junction tracks and may not be the same set.

Instant Funding — homepage ("$20,277,765+ Paid out to traders since 2023") · 2026-08-05

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Recorded rule changes

FTMO

Our tracker holds no recorded changes for FTMO. An absence of records is not proof that nothing changed.

Instant Funding

Our tracker holds no recorded changes for Instant Funding. An absence of records is not proof that nothing changed.

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Which one fits you

What the data says, priority by priority. The decision is yours; we do not give investment advice.

  • FTMO comes out ahead on Daily loss limit (5% vs 3%).
  • FTMO comes out ahead on Max drawdown (10% vs 8%).
  • Instant Funding comes out ahead on Min trading days (3 days vs 4 days).
  • Instant Funding comes out ahead on Payout cycle (7 days vs 14 days).
  • Instant Funding comes out ahead on Payout processing time (2 days vs 4 days).

Check current terms on the official sites

FTMO 公式で詳細を見る

FAQ

Which is cheaper to start, FTMO or Instant Funding?
FTMO is €79 and Instant Funding is $44.
Which one pays the higher profit split?
FTMO is 90% and Instant Funding is 90%.
Which one has the shorter payout cycle?
FTMO is 14 days and Instant Funding is 7 days, so Instant Funding is the better of the two on Payout cycle. This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.
Do they calculate drawdown the same way?
Both firms use a static drawdown, so open profit affects your loss allowance the same way at each.
What do their Trustpilot ratings look like?
FTMO: 4.8 (49,616). Instant Funding: Rating withheld for a guideline breach. Profiles were checked on 2026-07-31. Where Trustpilot has withheld a rating for a guideline breach we publish no score.

Sources

Data currency

Terms data 2026-06-22 / payout verification 2026-08-05 / rule changes 2026-08-22. Prop firm terms change without notice — always confirm on the official site before you buy.

This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.

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