FTMO CFD Review 2026
FTMO CFD is a Czech Republic-based forex proprietary trading firm that has been operating for 11 years. Evaluation accounts start at $89; use code qwzjdvilzzsnmezkfmpd.
FTMO CFD
FTMO is the Prague prop firm (FTMO s.r.o.) that has run its simulated CFD evaluation since 2015, on MT4, MT5, cTrader and TradingView. FTMO CFD sells three one-time-fee routes: the 2-Step FTMO Challenge ($10K-$200K; 10% then 5% targets, 5% daily and 10% static max loss, 4 minimum trading days per phase, Standard 1:100 or Swing 1:30 account, fee refunded with the first Reward, 80% Reward rising to 90%), the 1-Step FTMO Challenge ($10K-$200K; 10% target, 3% daily loss, 10% end-of-day trailing max loss, best day at most 50% of total profit, 90% Reward) and the FTMO Instant Account ($5K-$100K; no evaluation, 3% daily loss, 10% intraday trailing max loss, best day at most 30%, 90% Reward). No time limits; Rewards from day 14, then every 14 days. Prices shown are FTMO US's USD fees (ftmo.oanda.com, for US residents: https://join.ftmo.oanda.com/qwZjDVILzZsNmEzkfmPD); outside the US FTMO charges the fee in EUR on ftmo.com. Sign up through our link https://join.ftmo.com/qwZjDVILzZsNmEzkfmPD, which carries our FTMO code qwZjDVILzZsNmEzkfmPD.
Affiliate link — FundedEnigma may earn a commission if you sign up, at no extra cost to you. The code qwZjDVILzZsNmEzkfmPD applies the firm’s current discount. Disclosure.
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Quick Facts
Profit Split
80/20 on the 2-Step (90/10 via the Scaling Plan or Prime Status); 90/10 on the 1-Step and the Instant Account
Max Allocation
$400K per trader across all accounts and products before scaling ($600K with Prime Status); Scaling Plan +25% every 4 months up to $2M; one active Instant Account
First Payout
14 days
Payout Frequency
Bi-weekly: request a Reward from day 14 after the first trade on each account; reviewed in 1-2 business days, paid 1-2 business days after the invoice
Company Information
Features & Rules
Payment Methods
Overview
Enigma Rating
100% data confidence
Follows the best-rated of 20 plans, each scored on its own rules and price against plans with the same drawdown type.
Net first payout you can expect per dollar paid in (repeat your eval result once, after the split and any cap; monthly plans count an expected 1.5 months of fees) — vs. every plan in the same market. — ≈ $15.5 first payout / $1 spent · 1-Step 100K
How much USABLE loss buffer you get for what you pay in — a static drawdown counts in full, an end-of-day trailing one 85%, an intraday trailing one 60% — vs. every plan in the same market. — ≈ $17.3 buffer / $1 spent · 1-Step 100K
How quickly you reach a first withdrawal — eval days, funded days, the profit buffer and the payout cycle — how cheaply, and how much you can withdraw per month across all allowed accounts before going live. — ≈ 16 trading days to a first payout · $579 all-in · 1-Step 100K
How few restrictive rules stand between you and getting funded — scored per plan from its own eval and funded rules (static > locking trailing > end-of-day > intraday drawdown, buffer vs target, daily loss limit, consistency, min days, phases). — Friction: Daily loss limit $3,000, 50% consistency rule in eval, 50% consistency rule once funded · 1-Step 100K
Reliability: Trustpilot score weighted by how many reviews stand behind it, the trend of the latest reviews, complaint themes and consumer alerts, plus track record (review volume and years operating). — 4.8/5 Trustpilot (54,651 reviews) · 11 years operating
Rating by plan
All-in price includes the live discount| Plan | Account | Total cost | Value | Cushion | Payout | Ease | Rating |
|---|---|---|---|---|---|---|---|
| Instant Account | 5K | $189 | |||||
| 1-Step | 10K | $89 | |||||
| 2-Step Standard | 10K | $99 | |||||
| 2-Step Swing | 10K | $99 | |||||
| Instant Account | 10K | $379 | |||||
| 1-Step | 25K | $229 | |||||
| 2-Step Swing | 25K | $289 | |||||
| 2-Step Standard | 25K | $289 | |||||
| Instant Account | 25K | $849 | |||||
| 1-Step | 50K | $359 | |||||
| 2-Step Swing | 50K | $399 | |||||
| 2-Step Standard | 50K | $399 | |||||
| Instant Account | 50K | $1,699 | |||||
| 1-StepBest | 100K | $579 | |||||
| 2-Step Standard | 100K | $619 | |||||
| 2-Step Swing | 100K | $619 | |||||
| Instant Account | 100K | $3,399 | |||||
| 1-Step | 200K | $1,149 | |||||
| 2-Step Standard | 200K | $1,249 | |||||
| 2-Step Swing | 200K | $1,249 |
Why the best plan scores well
- +End-of-day drawdown in eval
- +End-of-day drawdown once funded
- +Loss buffer at least as big as the profit target
- +Higher first-payout return per $ than most plans in this market
- +Bigger usable loss buffer per $ than most plans in this market
What holds it back
- −Daily loss limit $3,000
- −50% consistency rule in eval
- −50% consistency rule once funded
- −About 16 trading days to a first payout
Trading Platforms
Tradable Assets
Payment Methods
Payout Methods
Key Features
Risk-Reward Profile
Trading Flexibility Score
Based on FTMO CFD's trading rules, this firm offers a aggressive trading environment. Ideal for active traders who want flexibility with their strategies.
Indicative classification derived from the firm's published rule flags (scalping, news trading, consistency rules, etc.). Not part of the Enigma Score — see our methodology page for how firms are actually scored.
Market Position
FTMO CFD at a glance
Challenge Plans & Pricing
Cost Calculator
Evaluation vs Funded Account
What Changes When You Get Funded
Key rule differences between evaluation and funded phases
Payout Journey
Pass Evaluation
Complete all evaluation phases and meet profit targets
KYC Verification
Submit identity documents for verification
Receive Funded Account
Get access to your live funded trading account
First Payout Eligible
Meet the minimum trading period before first withdrawal
Request Payout
Submit withdrawal request and receive your profits
Pass Evaluation
Complete all evaluation phases and meet profit targets
KYC Verification
Submit identity documents for verification
Receive Funded Account
Get access to your live funded trading account
First Payout Eligible
Meet the minimum trading period before first withdrawal
Request Payout
Submit withdrawal request and receive your profits
Trading Rules
Trading Permissions
Trading Requirements
Additional Rules
2-Step: none. 1-Step: best day <= 50% of total profit to pass and to claim each Reward (orders from 12 Oct 2026; older orders 50% of positive days' profit). Instant Account: best day <= 30% of total profit to claim a Reward, counted afresh after each Reward. Exceeding it is not a breach; you keep trading until the ratio is met.
Evaluation Guidelines
FTMO's CFD/forex evaluations (Prague, since 2015) come in three routes, all one-time fees. 2-Step FTMO Challenge $10K-$200K: 10% then 5% targets, 5% daily and 10% static max loss, 4 minimum trading days per phase, no time limit, fee refunded with the first Reward, 80% Reward rising to 90%; Standard (1:100) or Swing (1:30, news and weekend holding allowed) account type. 1-Step FTMO Challenge $10K-$200K: 10% target, 3% daily loss, 10% end-of-day trailing max loss, best day <= 50% of total profit, no minimum days (2 in practice), 90% Reward, fee not refunded. FTMO Instant Account $5K-$100K: no evaluation, 3% daily loss, 10% intraday trailing max loss that never resets, best day <= 30%, up to 1:100, 90% Reward, fee not refunded. FTMO US (ftmo.oanda.com) prices in USD: 2-Step $99/$289/$399/$619/$1,249, 1-Step $89/$229/$359/$579/$1,149, Instant $189/$379/$849/$1,699/$3,399; outside the US FTMO charges the fee in EUR (2-Step from EUR 89, 1-Step from EUR 79, Instant from EUR 169). First Reward from day 14, then every 14 days; Scaling Plan +25% every 4 months up to $2M (not for Instant).
Platforms MT4, MT5, cTrader and TradingView (FTMO US: MT5 and TradingView only). Daily loss = balance at 00:00 CE(S)T minus 5% (2-Step) or 3% (1-Step, Instant) of the initial capital, equity-based. Standard accounts: once funded, no order execution on affected instruments 2 minutes either side of restricted news and flat before any market break over 2 hours (weekends); both rules are off during the Challenge/Verification and on Swing accounts (2-Step only, 1:30). EAs and algorithmic trading allowed within server limits (200 open orders, 2,000 positions a day); no HFT/ultra-high-speed tools, latency or price-error exploits, cross-account opposite positions, or splitting one trade idea across days to game the consistency rule; no stop loss required. Max $400K allocation per trader (copied/identical strategies across accounts count together). Payouts: Global bank wire, Visa Direct/Mastercard Send, Skrill or crypto (min $20, $50 crypto, no fee); FTMO US Revolut bank wire only with W-9 and a US bank. US residents buy through FTMO US: https://join.ftmo.oanda.com/qwZjDVILzZsNmEzkfmPD; everyone else: https://join.ftmo.com/qwZjDVILzZsNmEzkfmPD.
Restricted Countries
FTMO CFD is not available in 76 countries
Traders from these countries cannot participate in evaluations
This list may change. Please verify eligibility directly with FTMO CFD before purchasing.
Trust & Track Record
Reviews & Verdict
The Upside
What we love
Traders keep 80/20 on the 2-Step (90/10 via the Scaling Plan or Prime Status); 90/10 on the 1-Step and the Instant Account of their profits.
Trade with automated systems and expert advisors.
No restrictions on trading during news events.
Grow your account size with performance.
The Downside
Room for improvement
2-Step: none. 1-Step: best day <= 50% of total profit to pass and to claim each Reward (orders from 12 Oct 2026; older orders 50% of positive days' profit). Instant Account: best day <= 30% of total profit to claim a Reward, counted afresh after each Reward. Exceeding it is not a breach; you keep trading until the ratio is met.
Not available in 76 countries.
Identity verification required before trading.
High-frequency trading strategies are restricted.
Trustpilot Reviews
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Community Reviews
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Frequently Asked Questions
Support & Contact
About FTMO CFD
Funded traders keep a 80/20 on the 2-Step (90/10 via the Scaling Plan or Prime Status); 90/10 on the 1-Step and the Instant Account profit split. Capital can scale up to $400K per trader across all accounts and products before scaling ($600K with Prime Status); Scaling Plan +25% every 4 months up to $2M; one active Instant Account. Payouts: Bi-weekly: request a Reward from day 14 after the first trade on each account; reviewed in 1-2 business days, paid 1-2 business days after the invoice, with a first withdrawal available after 14 days. Risk is managed using the Static (2-Step) / end-of-day trailing on balance (1-Step) / intraday trailing on balance (Instant) drawdown model, and a consistency rule applies: 2-Step: none. 1-Step: best day <= 50% of total profit to pass and to claim each Reward (orders from 12 Oct 2026; older orders 50% of positive days' profit). Instant Account: best day <= 30% of total profit to claim a Reward, counted afresh after each Reward. Exceeding it is not a breach; you keep trading until the ratio is met. Trading is available on MT4, MT5, cTrader, TradingView across Forex, Indices, Commodities, Metals, Crypto. Maximum leverage is 1:100 Standard / 1:30 Swing on FX (lower on exotics, metals, indices, crypto and stocks). On Trustpilot it holds 4.8/5 from 54,651 reviews. Compare FTMO CFD on FundedEnigma and sign up through our link — code qwZjDVILzZsNmEzkfmPD — so the sale is attributed to FundedEnigma at the firm's standard price.
Trustpilot rating: 4.8 / 5 from 54,651 reviews
FTMO CFD plans
FTMO CFD — Frequently asked questions
- How much does FTMO CFD cost?
- FTMO CFD evaluations start at $89 (base price). Use code qwZjDVILzZsNmEzkfmPD.
- What is FTMO CFD's profit split?
- FTMO CFD offers a 80/20 on the 2-Step (90/10 via the Scaling Plan or Prime Status); 90/10 on the 1-Step and the Instant Account profit split.
- What is FTMO CFD's payout policy?
- FTMO CFD's payout policy is: Bi-weekly: request a Reward from day 14 after the first trade on each account; reviewed in 1-2 business days, paid 1-2 business days after the invoice.
- Does FTMO CFD have a consistency rule?
- Yes — FTMO CFD applies a consistency rule: 2-Step: none. 1-Step: best day <= 50% of total profit to pass and to claim each Reward (orders from 12 Oct 2026; older orders 50% of positive days' profit). Instant Account: best day <= 30% of total profit to claim a Reward, counted afresh after each Reward. Exceeding it is not a breach; you keep trading until the ratio is met.
- What drawdown type does FTMO CFD use?
- FTMO CFD uses Static (2-Step) / end-of-day trailing on balance (1-Step) / intraday trailing on balance (Instant) drawdown.
- Which countries does FTMO CFD restrict?
- FTMO CFD does not accept traders from 76 countries, including Iran, Syria, Myanmar, North Korea, Afghanistan, Anguilla, Antarctica, Antigua and Barbuda and 68 more. The full list is on this page under Restricted Countries.
- What are FTMO CFD's payout rules?
- At FTMO CFD, payouts are bi-weekly: request a Reward from day 14 after the first trade on each account; reviewed in 1-2 business days, paid 1-2 business days after the invoice; the first payout can be requested after 14 days; payout methods are Bank wire, Visa Direct, Mastercard Send, Skrill, Crypto, Revolut bank wire (FTMO US).
By Steve H — reads every firm’s official rulebook, checks prices and codes daily, and maintains the Enigma Score · Methodology · Editorial policy · Last updated October 17, 2026