Funded Trading Plus Review 2026: What FT+ 2.0 Took Away
By JoinProp Content Team
Published: · Last updated:
- Simulated programs: Instant, 1-Step Express, 2-Step Classic and Activation.
- 80% standard split; eligible upgrades to 90%. Activation stays at 80%.
- Classic has 8% static drawdown and a daily 3% symbol-loss limit.
- Instant/Express trail closed balance; Activation funded accounts trail equity.
- Activation payouts require 10 trading days, 3% profit and 25% consistency.
- Express/Classic have no passing-fee rebate; pre-trade cancellation conditions apply.
Program rules and payouts checked on 27 September 2026
Program rules, platforms and payout requirements checked against the official FT+ help centre on 27 September 2026, including Activation Accounts. Prices, discounts, ratings and company-history statements retain their prior review scope. Confirm the terms for your chosen program before buying.
TL;DR: Funded Trading Plus in 30 seconds
- What it is: a UK-registered firm (Acello Ltd) trading simulated capital. It states plainly it is not FCA regulated. Acquired by Instant Funding in May 2026; the CEO has since stepped down.
- The split: 80% standard, with 90% available on eligible programs through milestones or an add-on. Activation stays at 80%.
- The drawdown: static 8% on the 2-Step Classic. Instant and 1-Step Express both trail - and payouts do not lower the high-water mark, so withdrawing tightens your buffer.
- The catch: on the 2-Step, a daily symbol-loss limit of 3% of the prior-day reference balance is a hard-breach rule, separate from the daily and overall loss limits. A consistency rule can also hold a passed account until your best day is diluted.
- Cost: Express and Classic have no passing-fee rebate. The general cancellation policy allows a refund within 14 days before trading. Activation has an entry fee and a separate fee after passing.
- Best for: algorithmic traders (EAs are allowed) who want day-one payouts and spread risk across instruments.
Funded Trading Plus (FT+) is a UK-based proprietary trading firm founded in 2021, built on the foundation of Trade Room Plus (est. 2013). In 2026, the firm launched FT+ 2.0 - a simplified lineup of three core programs: Instant Funding, 1-Step Express, and 2-Step Classic. The official help centre now also lists Activation Accounts, which have different evaluation and funded-stage rules. FT+ advertises $19.5M+ in trader rewards; this is its own reported figure.
Table of contents
Pricing snapshot
CFD pricing
| Program | Account size | Price | Billing | Notes |
|---|---|---|---|---|
| Listed challenge | $10K | USD 99 | One-time | Migrated from existing JoinProp product price field. |
| Listed challenge | $25K | USD 199 | One-time | Migrated from existing JoinProp product price field. |
| Listed challenge | $50K | USD 349 | One-time | Migrated from existing JoinProp product price field. |
| Listed challenge | $100K | USD 549 | One-time | Migrated from existing JoinProp product price field. |
| Listed challenge | $200K | USD 999 | One-time | Migrated from existing JoinProp product price field. |
Firm Overview
Funded Trading Plus (FT+) is a simulated-capital prop firm operating from Acello Ltd, a UK company registered in England and Wales (no. 12696083), with a second entity, IF Pro Ltd, registered in Saint Lucia. It is refreshingly direct about its regulatory position, and we will quote it rather than paraphrase:
“Funded Trading Plus (FTP) is not authorised or regulated by the Financial Conduct Authority, as it is not providing any regulated products or services by law.”
That is the correct disclosure and more than most UK-facing firms manage. Accounts are simulated throughout - “the funds allocated to the simulated trading accounts have no monetary value” - and traders sign a Contracted Researcher Agreement as independent contractors.
Two structural changes in 2026 matter more than any rule on the page. In February the entire product line was replaced, and the fee rebate was abolished with it. In May, FT+ was acquired by Instant Funding - the firm’s own help centre confirms it, describing a change of payment entity as “purely administrative following the acquisition of Funded Trading Plus by Instant Funding in May 2026”. The founder and CEO has since stepped down. At the time of review the website still carries his name and title on the homepage, and no successor has been named.
None of that is inherently bad for a trader. But an ownership change, a CEO departure and the removal of the fee rebate inside six months is a lot of movement, and it is worth knowing before you commit to a long payout cycle.
Real trader reviews - Funded Trading Plus Review 2026: What FT+ 2.0 Took Away1 real trader review for Funded Trading Plus Review 2026: What FT+ 2.0 Took Away
Rana Das
Founder and chief executive of ForexWaveExpert.com, based in Bangladesh. He has traded since 2011, specialises in Elliott Wave analysis and trades gold intraday. He was given the Fastbull Best Mentor Award in Vietnam in 2024 and has mentored more than 200 traders.
LinkedIn profileMy overall experience trading with Funded Trading Plus was good. The one drawback is their trailing drawdown rule, and I also found their pricing a bit on the higher side.
The Product Line
| Programme | Profit target | Daily DD | Max DD | Drawdown type | Split |
|---|---|---|---|---|---|
| Instant Funding | None | 6% | 6% | Trailing | 80% |
| 1-Step Express | 10% | 4% | 6% | Trailing | 80% |
| 2-Step Classic | 7% then 7% | 4% | 8% | Static | 80% |
| Activation | 2% in one phase | 4% challenge; 3% funded | 6% | Static challenge; equity trailing funded, locking at starting balance | 80%, fixed |
Sizes run $5,000 to $200,000. The three core programs launched on 7 February 2026, replacing the older Experienced, Advanced, Premium, Prestige and Master programmes - all now retired.
The trailing drawdown on Instant and 1-Step trails 6% of the initial balance from the high-water mark, on closed balance rather than equity, and locks once it reaches your starting balance. One detail is easy to miss and expensive: payouts do not lower the high-water mark. Withdrawing money shrinks your account but not the line that fails you, so every payout tightens your remaining buffer.
Activation Accounts: pay an entry fee, pass a one-phase 2% target, then pay the activation fee to obtain the simulated funded account. There is no challenge consistency rule or minimum trading-day requirement. Once funded, the daily loss limit falls to 3%, the 6% maximum loss trails equity rather than closed balance, and a 25% consistency test applies to payouts. There is no scaling or add-on option at launch. See the official Activation rules.
Classic keeps a static floor in both stages; Activation is static only during its challenge.
The 3% Symbol Loss Limit
Classic limits each symbol’s daily loss to 3% of the balance recorded at 16:59 EST on the prior day, adjusted for daylight saving. Simultaneous positions on one symbol are combined, and floating losses count. A breach terminates either an evaluation or funded account. This does not replace the 4% daily or 8% overall limits: spreading losses across symbols does not make reaching those limits safe. See the symbol-loss calculation.
The Consistency Rule Can Block A Pass You Have Already Earned
For 2-Step Classic: No single day’s net profit may exceed 35% of your total profit in the evaluation, or 50% in the funded phase.
The consequence is unusual: it does not fail you, it holds you. In FT+’s words, “you will not pass your challenge, or be able to request a payout, until the consistency objectives are met.” So you can hit the 7% target, have the money on the board, and be told to keep trading until your best day is diluted enough to comply. A trader who makes their target in two strong sessions has passed on the numbers and not passed on the rules.
Activation has no challenge consistency rule, but its funded payout test is 25%. Express and Instant do not use these Classic or Activation consistency tests.
Fee Rebates and Cancellation Refunds
The official rebate article removes the passing-fee refund for Express and Classic introduced in February 2026:
“For any new FT+ programs as of 7th February 2026: As of the launch of the new programs… no challenge refund fee is offered.”
The 14-day cancellation right in the refund policy survives, but it dies the moment you trade - “you waive your right to a refund upon making the first simulated-trade.” A failed account gets a discount code toward a rebuy, nothing more.
Treat the fee as a cost. On this firm, that is now simply true.
Payouts
| Payout term | Instant / 1-Step Express | 2-Step Classic |
|---|---|---|
| Minimum payout | $50 | 1% of the initial balance |
| First payout | On demand, from day one, once in profit | 10 days after account creation |
| Cycle | Every 7 days | Every 10 days |
| Processing | 2 business days; 5-7 if flagged for risk review | |
| Methods | Crypto or Rise | |
Activation payouts: first eligibility is 10 trading days after the first funded trade, then every 10 trading days after a processed payout. Each request requires at least 3% of the current account balance in simulated profit and compliance with 25% consistency. The minimum request is $50; the 3% eligibility threshold is separate. See the Activation payout rules.
The Instant and 1-Step payout terms are genuinely strong - day-one withdrawals, a weekly cycle and a $50 floor are better than most of the market. A paid add-on cuts the cycle to every 3 days.
Two conditions sit behind them. A signed trader agreement and passed KYC are required, and failure at KYC “will result in non-payment for any services rendered and termination”. And FT+ runs a risk review triggered at exactly the moments money is at stake: evaluation passes, scaling requests, and withdrawal requests.
Latest reported payouts
Funded Trading Plus reported $35,665 paid out to its traders in the week before 3 November 2026, in its weekly newsletter. This figure is reported by the firm and has not been independently verified. See all firm-reported totals on Prop Firm Reported Payouts.
The Discretionary Powers
FT+’s terms give it wide latitude, and traders should read section 10 before buying rather than after a dispute. The available sanctions include:
- Forfeiture of an account pass
- “Forfeiture of any and all simulated-profit” from the funded phase
- Forced risk-management plans or leverage reduction
- Termination and a lifetime purchase ban
- A mandatory risk interview - and “the decision as to whether a risk interview is passed or failed is at the professional discretion of Funded Trading Plus”
The terms also state that prohibited strategies may be varied “from time to time as it deems appropriate… without notice“, and that passing an evaluation “is not automatic, and is subject to FTP’s discretion following account analysis.”
Margin utilisation is the main documented trigger: reviews start above 70% on a $10k account, dropping to 50% on $250k and above. Exceeding it prompts a human review rather than an automatic fail.
Trading Rules
- Expert Advisors, algos and bots: allowed on all programmes - a real advantage. But FT+ may demand the source code, and refusing is a breach.
- Copy trading: between your own accounts only.
- News trading: allowed, but a “boom or bust” approach that stakes the account on one news event is prohibited.
- Weekend and overnight holding: allowed on 1-Step and 2-Step. Instant cannot carry positions through the Friday cutoff: close by 4:30pm EST or the system closes them. Trading may resume when markets reopen, including available weekend markets. Activation permits weekend holding.
- Hedging: allowed within one account; prohibited across accounts.
- Inactivity: 30 days without a trade is a hard breach, on funded accounts too. One opened-and-closed trade resets the clock.
- Prohibited: arbitrage, latency trading, tick scalping, grid trading, one-sided bets and exploiting pricing errors.
- Stop losses and swaps: Express, Classic and Instant do not require stop losses and are swap-free. Check Activation-specific conditions separately.
Platforms and Costs
FT+ offers MetaTrader 5, Match-Trader, and nothing else. There is no TradingView, no cTrader and no futures product - “futures is not something we are offering at this stage”. MT5 is not available in the US.
Fees run from $89 (2-Step $10k) to $999 (1-Step $200k). Instant Funding is priced very differently, from $249 to $4,499, because you are buying the funded account outright rather than an evaluation.
FT+ does not publish a spread or commission table, offering a demo login to check instead. We therefore do not quote spread figures.
Company Information
- Operating entity: Acello Ltd, England and Wales, company no. 12696083, registered at 30 Old Bailey, London
- Second entity: IF Pro Ltd (Saint Lucia, no. 2025-00056)
- Ownership: acquired by Instant Funding in May 2026; the founder has stepped down as CEO and no successor has been named
- Regulation: none. FT+ states plainly that it is not authorised or regulated by the FCA
- Account type: simulated. Allocated funds “have no monetary value”
- Liability cap: limited to the price you paid for the programme
- Trustpilot: Trustpilot is not currently displaying a star rating for Funded Trading Plus, so we do not quote one here. The listing remains live and its reviews are readable, and ratings can change - check it directly for the current position. Note the firm’s homepage advertises “consistent 5-star TrustPilot ratings”, which the listing does not currently support.
Who Funded Trading Plus Actually Suits
The payout mechanics are the best thing here, and they are not a small thing. Day-one withdrawals on Instant and 1-Step Express, a seven-day cycle, a $50 minimum, EAs permitted, no minimum trading days and no time limit. For an algorithmic or high-frequency-of-withdrawal trader, that combination is hard to find elsewhere.
What you give up is the safety net. Express and Classic do not rebate the fee after passing; the cancellation refund policy applies only before trading and within 14 days. The two programmes with the best payout terms both use a trailing drawdown that does not reset when you withdraw. Classic has a daily 3% symbol-loss rule and consistency requirements. Activation adds a separate equity-trailing funded account, a 25% consistency test and a 3% profit threshold for payout eligibility.
Consider it if you want fast, frequent, low-minimum payouts, you run EAs, and you spread risk across several instruments rather than concentrating on one.
Avoid it if you trade a single pair heavily (the 3% symbol limit will find you), you need the fee back on failure, you want to hold over the weekend on an Instant account, or you cannot meet the payout conditions of your selected program.
Frequently Asked Questions
Does Funded Trading Plus refund the fee?
Express and Classic do not offer a passing-fee rebate. Separately, the general refund policy permits cancellation within 14 days if no simulated trade has been placed. Trading removes that cancellation eligibility.
What is the 3% symbol loss limit?
Classic applies a daily limit per symbol, based on 3% of the prior-day reference balance at 16:59 EST, adjusted for daylight saving. Positions on the same symbol are combined and floating loss counts. Breaching it ends the account in either stage; the daily and overall drawdown limits still apply.
Does Funded Trading Plus have a trailing drawdown?
Instant and Express trail closed balance by 6% of the initial balance, locking at the starting balance. Payouts do not lower the high-water mark. Classic uses an 8% static maximum loss. Activation uses a 6% static challenge limit, switching to equity trailing when funded and locking at starting balance.
What profit split does Funded Trading Plus pay?
The standard split is 80%. Eligible programs offer an upgrade to 90% at the funded-profit milestone or through a checkout add-on. Activation remains at 80% and has no split upgrade at launch.
Is Funded Trading Plus legit?
Funded Trading Plus operates simulated accounts through Acello Ltd, UK company number 12696083. Its terms state it is not FCA authorised or regulated. Company registration does not guarantee a payout; program conditions and risk reviews apply.
Does Funded Trading Plus have a consistency rule?
Classic applies 35% in evaluation and 50% when funded. Activation has no challenge consistency test but requires 25% for funded payouts. Exceeding the consistency percentage delays eligibility rather than cancelling the account.
Can you hold trades over the weekend at Funded Trading Plus?
Express, Classic and Activation allow weekend holding. Instant positions must close by 4:30pm EST Friday or are automatically closed. New trades may be opened when markets reopen, including markets available over the weekend.
Are Expert Advisors allowed at Funded Trading Plus?
EAs, algorithms and bots are permitted subject to FT+ rules and platform support. Arbitrage, grid trading and tick scalping are prohibited. Copying between different traders and hedging across accounts are prohibited; the separate copy-trading policy permits copying between your own accounts.
How do Activation Account payouts work?
The first request is available after 10 trading days from the first funded trade, then every 10 trading days after a processed payout. Every request requires 3% of current balance in simulated profit and 25% consistency. The minimum request is $50, distinct from the eligibility threshold. The split stays at 80%.
Official resources and pricing
Links we checked while writing this review:
- Funded Trading Plus official homepage
- Funded Trading Plus terms and conditions
- Funded Trading Plus programs and pricing
Prices and rules change often. Check these pages before buying.
There are no reviews yet.