FTMO vs Crypto Fund Trader: Elite Prop Firms Comparison
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FTMO product scope: FTMO runs two product lines. The rules and reward terms discussed on this page are its CFD 1-Step and 2-Step programs, while the pricing table also lists its Futures Growth and Pro plans, which are sold on a monthly subscription and carry their own risk limits and payout terms. Both lines are covered in full in our FTMO review.
Introduction
FTMO and Crypto Fund Trader are leading prop trading firms offering traders access to funded accounts after passing assessment challenges. FTMO, established in 2015, has built a strong reputation in forex and multi-asset trading with exceptional educational resources and risk management tools, with a Trustpilot rating of 4.8/5 from 53,102 reviews (checked September 27, 2026). Crypto Fund Trader, a newer entrant focused primarily on cryptocurrency markets, offers innovative digital asset trading opportunities with competitive profit splits and has a Trustpilot listing currently flagged as unavailable (April 2026), with 1,132 reviews on file for its specialized crypto trading infrastructure.
Quick Facts
Program Types
| Program | FTMO | Crypto Fund Trader |
|---|---|---|
| Entry Level Program | Yes. CFD 2-Step from EUR 89 one-time; Futures Growth from $119 per month | 2-Phase Challenge |
| Advanced Program | FTMO Challenge and Verification (CFD 2-Step); Futures Pro path with hard daily loss and 100% withdrawals | 1-Phase Challenge |
| Scaling Options | The Two CFD Challenges Compared - 2-Step: Subject to eligibility The Two CFD Challenges Compared - 1-Step: Subject to eligibility; see Scaling Plan | Instant doubles at 10% profit; published ceiling $1.28M |
| Demo Account | Free Trials for 1-Step and 2-Step; practice only, not qualification. No free trial on Futures | Yes |
Rules & Assessment
| Criteria | FTMO | Crypto Fund Trader |
|---|---|---|
| Profit Target | The Two CFD Challenges Compared - 2-Step: 10% then 5% The Two CFD Challenges Compared - 1-Step: 10% Evaluation objectives - Growth $50K: $3,000 Evaluation objectives - Growth $100K: $6,000 Evaluation objectives - Growth $150K: $9,000 Evaluation objectives - Pro $50K: $3,000 Evaluation objectives - Pro $100K: $6,000 Evaluation objectives - Pro $150K: $9,000 | Evaluation Programs and Drawdown - 2-Phase: 8% then 5% Evaluation Programs and Drawdown - 1-Phase: 10% Evaluation Programs and Drawdown - Instant: 10% (for double-ups) Evaluation Programs and Drawdown - Break: 5-6% |
| Maximum Drawdown | The Two CFD Challenges Compared - 2-Step: 10% The Two CFD Challenges Compared - 1-Step: 10% Evaluation objectives - Growth $50K: $2,000 Evaluation objectives - Growth $100K: $3,500 Evaluation objectives - Growth $150K: $5,000 Evaluation objectives - Pro $50K: $3,000 Evaluation objectives - Pro $100K: $4,500 Evaluation objectives - Pro $150K: $6,000 Sim-Funded account and payouts - Growth $50K: $2,000 Sim-Funded account and payouts - Growth $100K: $3,500 Sim-Funded account and payouts - Growth $150K: $5,000 Sim-Funded account and payouts - Pro $50K: $3,000 Sim-Funded account and payouts - Pro $100K: $4,500 Sim-Funded account and payouts - Pro $150K: $6,000 | Evaluation Programs and Drawdown - 2-Phase: 10% Evaluation Programs and Drawdown - 1-Phase: 6% Evaluation Programs and Drawdown - Instant: 6% Evaluation Programs and Drawdown - Break: 3-4% |
| Minimum Trading Days | The Two CFD Challenges Compared - 2-Step: 4 per phase The Two CFD Challenges Compared - 1-Step: None | Standard evaluations 0; Break cards 1; older evaluation page conflicts at 5 |
| News Trading | Evaluation: allowed within trading rules. Standard FTMO Account: affected instruments restricted 2 minutes before/after selected releases; Swing exempt. Futures: news trading allowed | Standard allowed; Ascend restricts new/increased risk ±2 minutes around high-impact news/openings |
| Daily Loss Limit | The Two CFD Challenges Compared - 2-Step: 5% The Two CFD Challenges Compared - 1-Step: 3% Evaluation objectives - Growth $50K: None Evaluation objectives - Growth $100K: None Evaluation objectives - Growth $150K: None Evaluation objectives - Pro $50K: $1,000 hard Evaluation objectives - Pro $100K: $1,500 hard Evaluation objectives - Pro $150K: $2,000 hard Sim-Funded account and payouts - Growth $50K: $1,000 soft Sim-Funded account and payouts - Growth $100K: $2,000 soft Sim-Funded account and payouts - Growth $150K: $3,000 soft Sim-Funded account and payouts - Pro $50K: $1,000 hard Sim-Funded account and payouts - Pro $100K: $1,500 hard Sim-Funded account and payouts - Pro $150K: $2,000 hard | Evaluation Programs and Drawdown - 2-Phase: 5% Evaluation Programs and Drawdown - 1-Phase: 4% Evaluation Programs and Drawdown - Instant: 4% Evaluation Programs and Drawdown - Break: - |
| Drawdown Type | The Two CFD Challenges Compared - 2-Step: STATIC - the floor never moves The Two CFD Challenges Compared - 1-Step: END-OF-DAY TRAILING | Evaluation Programs and Drawdown - 2-Phase: Static (fixed to initial balance) Evaluation Programs and Drawdown - 1-Phase: Trailing (locks once account is +6%) Evaluation Programs and Drawdown - Instant: Static Evaluation Programs and Drawdown - Break: Trailing (3% or 4% of highest balance by account size) |
| Time Limit | The Two CFD Challenges Compared - 2-Step: Unlimited The Two CFD Challenges Compared - 1-Step: Unlimited | Not available |
| Consistency / Best Day Rule | The Two CFD Challenges Compared - 2-Step: - The Two CFD Challenges Compared - 1-Step: 50% Evaluation objectives - Growth $50K: 40% Evaluation objectives - Growth $100K: 40% Evaluation objectives - Growth $150K: 40% Evaluation objectives - Pro $50K: 50% Evaluation objectives - Pro $100K: 50% Evaluation objectives - Pro $150K: 50% | Not available |
| Maximum Contracts | Evaluation objectives - Growth $50K: 5 Evaluation objectives - Growth $100K: 10 Evaluation objectives - Growth $150K: 15 Evaluation objectives - Pro $50K: 5 Evaluation objectives - Pro $100K: 10 Evaluation objectives - Pro $150K: 15 Sim-Funded account and payouts - Growth $50K: 2 to 5 Sim-Funded account and payouts - Growth $100K: 4 to 10 Sim-Funded account and payouts - Growth $150K: 6 to 15 Sim-Funded account and payouts - Pro $50K: 2 to 5 Sim-Funded account and payouts - Pro $100K: 4 to 10 Sim-Funded account and payouts - Pro $150K: 6 to 15 | Not available |
Fees & Pricing
| Option | FTMO | Crypto Fund Trader |
|---|---|---|
| CFD $10K Account | FTMO 2-Step (regular fee) / EUR 89 / One-time Fee refundable 100% with first payout. Source Checked 2026-09-28 FTMO 1-Step (regular fee) / EUR 79 / One-time Fee not refunded. Source Checked 2026-09-28 | Not listed in review pricing source |
| CFD $25K Account | FTMO 2-Step (regular fee) / EUR 250 / One-time Fee refundable 100% with first payout. Source Checked 2026-09-28 FTMO 1-Step (regular fee) / EUR 199 / One-time Fee not refunded. Source Checked 2026-09-28 | Not listed in review pricing source |
| CFD $50K Account | FTMO 2-Step (regular fee) / EUR 345 / One-time Fee refundable 100% with first payout. Source Checked 2026-09-28 FTMO 1-Step (regular fee) / EUR 319 / One-time Fee not refunded. Source Checked 2026-09-28 | Not listed in review pricing source |
| CFD $100K Account | FTMO 2-Step (regular fee) / EUR 540 / One-time Fee refundable 100% with first payout. Regular fee shown. Offer observed September 26, 2026: EUR 439 only if you do not already have that Challenge active; confirm current eligibility. Source Checked 2026-09-28 FTMO 1-Step (regular fee) / EUR 499 / One-time Fee not refunded. Regular fee shown. Offer observed September 26, 2026: EUR 399 only if you do not already have that Challenge active; confirm current eligibility. Source Checked 2026-09-28 | Not listed in review pricing source |
| CFD $200K Account | FTMO 2-Step (regular fee) / EUR 1080 / One-time Fee refundable 100% with first payout. Source Checked 2026-09-28 FTMO 1-Step (regular fee) / EUR 999 / One-time Fee not refunded. Source Checked 2026-09-28 | Not listed in review pricing source |
| Crypto $2.5K Account | Not listed in review pricing source | Instant Evaluation / USD 125 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 |
| Crypto $5K Account | Not listed in review pricing source | 2 Phases Evaluation / USD 58 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 1 Phase Accelerated / USD 40 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Ascend Evaluation / USD 45 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Instant Evaluation / USD 240 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 |
| Crypto $10K Account | Not listed in review pricing source | 2 Phases Evaluation / USD 110 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 1 Phase Accelerated / USD 80 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Ascend Evaluation / USD 90 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Instant Evaluation / USD 475 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 |
| Crypto $25K Account | Not listed in review pricing source | 2 Phases Evaluation / USD 240 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 1 Phase Accelerated / USD 219 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Ascend Evaluation / USD 225 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Break Evaluation / USD 70 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 |
| Crypto $50K Account | Not listed in review pricing source | 2 Phases Evaluation / USD 389 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 1 Phase Accelerated / USD 369 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Ascend Evaluation / USD 450 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Break Evaluation / USD 139 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 |
| Crypto $100K Account | Not listed in review pricing source | 2 Phases Evaluation / USD 660 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 1 Phase Accelerated / USD 619 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Ascend Evaluation / USD 899 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Break Evaluation / USD 199 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 |
| Crypto $200K Account | Not listed in review pricing source | 2 Phases Evaluation / USD 1250 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 1 Phase Accelerated / USD 1199 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 Ascend Evaluation / USD 1798 / One-time Official Crypto Fund Trader product-card base list price from the live homepage. Platform choices shown by the firm: MetaTrader 5, Match-Trader, and BYBIT. Reduced or partner pricing was not used. Source Checked 2026-08-11 |
| Futures $50K Account | FTMO Futures Growth / USD 119 / Monthly Soft daily loss, Sim-Funded only. Payout cap from $2,500. Payout eligibility 4 days. No activation fee. Source Checked 2026-09-28 FTMO Futures Pro / USD 139 / Monthly Hard daily loss. Payout caps $5,000 to $8,000. Payout eligibility 5 days. No activation fee. Source Checked 2026-09-28 | Not listed in review pricing source |
| Futures $100K Account | FTMO Futures Growth / USD 169 / Monthly Soft daily loss, Sim-Funded only. Payout cap from $2,500. Payout eligibility 4 days. No activation fee. Source Checked 2026-09-28 FTMO Futures Pro / USD 199 / Monthly Hard daily loss. Payout caps $5,000 to $8,000. Payout eligibility 5 days. No activation fee. Source Checked 2026-09-28 | Not listed in review pricing source |
| Futures $150K Account | FTMO Futures Growth / USD 229 / Monthly Soft daily loss, Sim-Funded only. Payout cap from $2,500. Payout eligibility 4 days. No activation fee. Source Checked 2026-09-28 FTMO Futures Pro / USD 269 / Monthly Hard daily loss. Payout caps $5,000 to $8,000. Payout eligibility 5 days. No activation fee. Source Checked 2026-09-28 | Not listed in review pricing source |
| Refund Policy | The Two CFD Challenges Compared - 2-Step: 100% The Two CFD Challenges Compared - 1-Step: None | 14-day money-back guarantee if no positions opened |
| Coupons / Discount | FTMO discount | Crypto Fund Trader discount |
Platforms & Markets
| Feature | FTMO | Crypto Fund Trader |
|---|---|---|
| Trading Platforms | CFD: MetaTrader 4, MetaTrader 5, cTrader, TradingView. Futures: NinjaTrader, Tradovate, TradingView | Match-Trader, MetaTrader 5 |
| Forex | Yes | Yes |
| Stocks | Yes | Yes |
| Indices | Yes | Yes |
| Commodities | Yes | Yes |
| Cryptocurrencies | Yes | Yes |
| Bonds | Not verified for CFD accounts; check current Symbols | Not available |
| EA/Algo Trading | Allowed subject to trading rules, allocation and platform limits; third-party EAs can create allocation conflicts. | Permitted with restrictions; HFT, tick scalping and arbitrage prohibited |
Payout
| Feature | FTMO | Crypto Fund Trader |
|---|---|---|
| Payout Terms | CFD: request from day 14 after the first trade on the specific account, subject to eligibility; close all positions and pending orders. Review usually 1-2 business days; payment usually 1-2 business days after invoice approval. Futures Sim-Funded: every 4 days on Growth (50% withdrawable, cap $2,500 to $4,000), every 5 days on Pro (100% withdrawable, cap $5,000 to $8,000). Live Funded: daily, no cap | Standard: 15 traded days or 30 calendar days; weekly add-on 7 traded days; special models differ; up to 48 business hours review |
| See all prop firm payouts → | ||
| Payout Frequency | Sim-Funded account and payouts - Growth $50K: Every 4 days Sim-Funded account and payouts - Growth $100K: Every 4 days Sim-Funded account and payouts - Growth $150K: Every 4 days Sim-Funded account and payouts - Pro $50K: Every 5 days Sim-Funded account and payouts - Pro $100K: Every 5 days Sim-Funded account and payouts - Pro $150K: Every 5 days | Not available |
| Payout Cap | Sim-Funded account and payouts - Growth $50K: $2,500 Sim-Funded account and payouts - Growth $100K: $3,000 Sim-Funded account and payouts - Growth $150K: $4,000 Sim-Funded account and payouts - Pro $50K: $5,000 Sim-Funded account and payouts - Pro $100K: $6,000 Sim-Funded account and payouts - Pro $150K: $8,000 | Not available |
| Payout Eligibility | Sim-Funded account and payouts - Growth $50K: 4 days at $150+ Sim-Funded account and payouts - Growth $100K: 4 days at $250+ Sim-Funded account and payouts - Growth $150K: 4 days at $300+ Sim-Funded account and payouts - Pro $50K: 5 days at $200+ Sim-Funded account and payouts - Pro $100K: 5 days at $300+ Sim-Funded account and payouts - Pro $150K: 5 days at $500+ | Not available |
| Withdrawable Amount | Sim-Funded account and payouts - Growth $50K: 50% Sim-Funded account and payouts - Growth $100K: 50% Sim-Funded account and payouts - Growth $150K: 50% Sim-Funded account and payouts - Pro $50K: 100% Sim-Funded account and payouts - Pro $100K: 100% Sim-Funded account and payouts - Pro $150K: 100% | Not available |
Verdict
| Key Element | FTMO | Crypto Fund Trader |
|---|---|---|
| Strengths | Full fee refund on 2-Step; static drawdown; no consistency rules on CFD; zero withdrawal commission; scaling to $2M; futures line with no minimum trading days and no activation fee | Crypto-focused platform choices; static 2-Phase option; no standard evaluation deadline; bank/crypto rewards |
| Weaknesses | 1-Step fee non-refundable; 50% Best Day condition for passing/rewards; new 1-Step account after reward starts with a 90%-of-initial-capital loss floor; futures is a recurring monthly subscription, Growth pays out only 50% per request, and the Live Funded step is by invitation only | Profit caps; reward discretion; trailing 1-Phase loss limit; model-specific rules and paid add-ons |
| Best For | CFD: 2-Step for most, 1-Step only if the 90% split outweighs other concerns. Futures: Pro if you want 100% withdrawals, Growth if you want the cheapest entry | Crypto-focused traders who match their strategy to platform, leverage and reward requirements |
Conclusion and Final Recommendation
Consider FTMO if you want a choice of 1-Step or 2-Step evaluations and MT4, MT5, cTrader or TradingView. Its Free Trials let you practise before buying. Choose Crypto Fund Trader if a cheaper entry, from USD 58, news trading allowed and a demo account to test the platform first (FTMO also offers Free Trials) matter more to you. Neither firm is better in the abstract. The right choice depends on your strategy, your budget and the instruments you trade, so read both full reviews before you commit. Verify current rules and pricing on each firm’s own site before purchasing.
Frequently asked questions
What should I know about FTMO’s programs?
FTMO offers a one-phase 1-Step and a two-phase 2-Step evaluation. The 2-Step has targets of 10% then 5%, a 5% daily loss limit and four minimum trading days per phase. The 1-Step has a 10% target, a 3% daily loss limit, no minimum trading days and a 50% Best Day Rule. Both have unlimited completion time. FTMO program comparison.
FTMO offers Free Trials for both evaluation models; they are practice accounts, not a qualification route. Supported platforms are MT4, MT5, cTrader and TradingView, selected in the Challenge configurator.
What should I know about Crypto Fund Trader’s programs?
Crypto Fund Trader offers simulated evaluations including 1-Phase and 2-Phase, plus special Break, Ascend and Instant models with separate requirements. Crypto Fund Trader official rules.
How do payouts differ between FTMO and Crypto Fund Trader?
FTMO pays a 90% reward share on 1-Step and 80% on 2-Step, rising to 90% under applicable scaling or premium conditions. Requests can be made from day 14 after the first trade on the specific account, subject to eligibility, with all positions and pending orders closed. Review usually takes 1–2 business days; payment usually follows within 1–2 business days after invoice approval. FTMO reward terms.
The general 1-Phase/2-Phase reward conditions require 15 traded days or a 30-calendar-day cycle. A weekly add-on allows requests after seven traded days. Break instead has on-demand eligibility after its evaluation and activation fee, subject to its rules. Crypto Fund Trader official rules.
Which account rules matter when comparing FTMO and Crypto Fund Trader?
Do not apply the 2-Step objectives to 1-Step: drawdown and consistency requirements differ. Both routes have no maximum evaluation completion period. FTMO official rules; FTMO official program information.
Break final-stage accounts have a 40% consistency rule. KYC must be approved and all trades closed before a reward request. Special program rules should not be replaced by a single firm-wide payout schedule. Crypto Fund Trader official rules.
Is FTMO or Crypto Fund Trader automatically the better choice?
No. The two firms lead on different things: FTMO has the higher profit split at 90% and the larger funded ceiling at $2M, while Crypto Fund Trader has the cheaper entry at USD 58 and unrestricted news trading. Which of those matters more depends on how you actually trade, so compare how each firm measures drawdown, the total fee once add-ons and resets are included and platform availability, rather than the headline numbers. If you fail an evaluation, do not assume either firm offers a fixed reset discount: check the reset terms for the specific account you bought.
How We Compared FTMO and Crypto Fund Trader
Both firms carry a JoinProp Rating out of 10, scored on the same nine weighted factors, led by payout reliability at 20%, then fee structure, drawdown rules and profit split at 15% each. The scores come from our own firm reviews, built from each firm’s current terms rather than its marketing pages and re-checked at least every 90 days. Affiliate relationships have no effect on any rating, and ratings are never sold. The tables above are the evidence behind those scores. Read our full ranking methodology.