FTMO vs Fxify: 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 Fxify represent two leading proprietary trading firms in the forex funding space, offering traders the opportunity to access significant capital without risking their own money. FTMO, established in 2015, has built a strong reputation with its choice of 1-Step and 2-Step evaluation models and generous profit splits, with a Trustpilot snapshot of 4.8/5 from 53,102 reviews (checked September 27, 2026). Fxify, a newer entrant founded in 2023, has quickly gained popularity for its broad programme range, from a $39 Three Phase entry to Instant Funding and a 5-day Lightning sprint, and for a first payout available on demand after a single closed trade. It held a 4.3/5 Trustpilot rating from 6,245 reviews in the September 17, 2026 source check.
TL;DR: FTMO (grade 9.1) offers a CFD: 80-90% (2-Step), 90% flat (1-Step). Futures: 90/10 on both Growth and Pro profit split; Fxify (grade 8.3) offers 80% standard; eligible add-on 90%; Classic and Crypto Standard: 100% with 30-day cycle; Pro 80%. Full side-by-side below. Best for: FTMO - 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. Fxify - Traders who want cash out early rather than a large paper balance, multi-asset traders, and anyone who wants to pick their own drawdown type. Our higher-rated pick: FTMO (9.1 vs 8.3).
Quick Facts
| Feature | FTMO | Fxify |
|---|---|---|
| 
| |
| Founded | 2015 | 2023 |
| Profit Split | The Two CFD Challenges Compared - 2-Step: 80%, rising to 90% The Two CFD Challenges Compared - 1-Step: 90% from day one | 80% standard; eligible add-on 90%; Classic and Crypto Standard: 100% with 30-day cycle; Pro 80% |
| Maximum Account Size | CFD: up to $2,000,000 through scaling. Futures: up to $450,000 across 3 Sim-Funded accounts | $400,000 |
| Evaluation Phases | CFD: 1 phase (1-Step), 2 phases (2-Step). Futures: Evaluation, then Sim-Funded, then invitation-only Live Funded | 1, 2 or 3, plus instant funding and a 1-step Lightning sprint |
| Trustpilot Rating | Public Track Record and Ratings: 4.8 / 5 (53,102 reviews) | 4.3 |
| Expert Grade | 9.1 | 8.3 |
Program Types
| Program | FTMO | Fxify |
|---|---|---|
| Entry Level Program | Yes. CFD 2-Step from EUR 89 one-time; Futures Growth from $119 per month | Three Phase from $39 |
| Advanced Program | FTMO Challenge and Verification (CFD 2-Step); Futures Pro path with hard daily loss and 100% withdrawals | Two Phase Pro to $250K |
| 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 | Eligible evaluations: 10% return in 3 months, 2 profitable months; first +25%, max 10x initial. No Pro/Instant Standard scaling |
| Demo Account | Free Trials for 1-Step and 2-Step; practice only, not qualification. No free trial on Futures | Not available |
Rules & Assessment
| Criteria | FTMO | Fxify |
|---|---|---|
| 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 | One 10%; Classic 5% then 10%; Standard 10% then 5%; Pro 4% then 8%; Three 5% each; Lightning 5%; Crypto Standard 9% |
| 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 | 6% trailing One Phase; 10% Two Phase; 8% static Pro; 5% static Three Phase; 8% trailing Instant; 4% trailing Lite and Lightning |
| Minimum Trading Days | The Two CFD Challenges Compared - 2-Step: 4 per phase The Two CFD Challenges Compared - 1-Step: None | One/Standard/Three 5 per phase; Classic 4; Pro 3 qualifying 0.5% days; Lite 5; Lightning 3 (7 calendar-day deadline) |
| 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 | Allowed on One/Two/Three Phase; Instant, Lightning and crypto restrict 5 minutes before/after high-impact news |
| 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 | Not available |
| 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 | Not available |
| 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 | Fxify |
|---|---|---|
| CFD $1K Account | Not listed in review pricing source | FXIFY Instant Funding Standard / USD 69 / One-time List price. No evaluation. 8% daily loss, 8% trailing drawdown that locks. No EAs, no weekend holds, no news trading, no refund. Source Checked 2026-09-17 |
| CFD $5K Account | Not listed in review pricing source | FXIFY One Phase / USD 59 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Classic / USD 59 / One-time List price. Static 10% drawdown, 4% daily loss, 4 minimum days, split up to 100%, 25% consistency rule once funded. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 59 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Three Phase / USD 39 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Instant Funding Standard / USD 229 / One-time List price. No evaluation. 8% daily loss, 8% trailing drawdown that locks. No EAs, no weekend holds, no news trading, no refund. Source Checked 2026-09-17 FXIFY Instant Funding Lite / USD 44 / One-time List price, excluded from the CHART30 promotion. 3% daily loss, 4% trailing drawdown, 5 minimum days, 10-day payouts, $50 minimum withdrawal. No EAs, no weekends, no news, no refund. Source Checked 2026-09-17 |
| 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 | FXIFY One Phase / USD 89 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Classic / USD 89 / One-time List price. Static 10% drawdown, 4% daily loss, 4 minimum days, split up to 100%, 25% consistency rule once funded. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 89 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Pro / USD 129 / One-time List price. Static 8% max loss, 4% daily loss, 3 minimum days, flat 80% split, 10-day payouts, $4,000 maximum gain per day. Source Checked 2026-09-17 FXIFY Three Phase / USD 59 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Instant Funding Standard / USD 449 / One-time List price. No evaluation. 8% daily loss, 8% trailing drawdown that locks. No EAs, no weekend holds, no news trading, no refund. Source Checked 2026-09-17 FXIFY Instant Funding Lite / USD 89 / One-time List price, excluded from the CHART30 promotion. 3% daily loss, 4% trailing drawdown, 5 minimum days, 10-day payouts, $50 minimum withdrawal. No EAs, no weekends, no news, no refund. Source Checked 2026-09-17 FXIFY Lightning / USD 59 / One-time List price. 5% target, 3% daily loss, 4% trailing drawdown, 3 to 5 trading days, 30% consistency rule, mandatory stop loss. No EAs, no news trading. Source Checked 2026-09-17 |
| CFD $15K Account | Not listed in review pricing source | FXIFY One Phase / USD 119 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Classic / USD 119 / One-time List price. Static 10% drawdown, 4% daily loss, 4 minimum days, split up to 100%, 25% consistency rule once funded. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 119 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Three Phase / USD 79 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 |
| 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 | FXIFY One Phase / USD 199 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Classic / USD 199 / One-time List price. Static 10% drawdown, 4% daily loss, 4 minimum days, split up to 100%, 25% consistency rule once funded. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 199 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Pro / USD 225 / One-time List price. Static 8% max loss, 4% daily loss, 3 minimum days, flat 80% split, 10-day payouts, $4,000 maximum gain per day. Source Checked 2026-09-17 FXIFY Three Phase / USD 149 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Instant Funding Standard / USD 899 / One-time List price. No evaluation. 8% daily loss, 8% trailing drawdown that locks. No EAs, no weekend holds, no news trading, no refund. Source Checked 2026-09-17 FXIFY Instant Funding Lite / USD 169 / One-time List price, excluded from the CHART30 promotion. 3% daily loss, 4% trailing drawdown, 5 minimum days, 10-day payouts, $50 minimum withdrawal. No EAs, no weekends, no news, no refund. Source Checked 2026-09-17 FXIFY Lightning / USD 149 / One-time List price. 5% target, 3% daily loss, 4% trailing drawdown, 3 to 5 trading days, 30% consistency rule, mandatory stop loss. No EAs, no news trading. Source Checked 2026-09-17 |
| 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 | FXIFY One Phase / USD 379 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Classic / USD 379 / One-time List price. Static 10% drawdown, 4% daily loss, 4 minimum days, split up to 100%, 25% consistency rule once funded. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 379 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Pro / USD 375 / One-time List price. Static 8% max loss, 4% daily loss, 3 minimum days, flat 80% split, 10-day payouts, $4,000 maximum gain per day. Source Checked 2026-09-17 FXIFY Three Phase / USD 249 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Instant Funding Standard / USD 1749 / One-time List price. No evaluation. 8% daily loss, 8% trailing drawdown that locks. No EAs, no weekend holds, no news trading, no refund. Source Checked 2026-09-17 FXIFY Instant Funding Lite / USD 289 / One-time List price, excluded from the CHART30 promotion. 3% daily loss, 4% trailing drawdown, 5 minimum days, 10-day payouts, $50 minimum withdrawal. No EAs, no weekends, no news, no refund. Source Checked 2026-09-17 FXIFY Lightning / USD 249 / One-time List price. 5% target, 3% daily loss, 4% trailing drawdown, 3 to 5 trading days, 30% consistency rule, mandatory stop loss. No EAs, no news trading. Source Checked 2026-09-17 |
| 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 | FXIFY One Phase / USD 549 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Classic / USD 549 / One-time List price. Static 10% drawdown, 4% daily loss, 4 minimum days, split up to 100%, 25% consistency rule once funded. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 549 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Pro / USD 599 / One-time List price. Static 8% max loss, 4% daily loss, 3 minimum days, flat 80% split, 10-day payouts, $4,000 maximum gain per day. Source Checked 2026-09-17 FXIFY Three Phase / USD 399 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Lightning / USD 399 / One-time List price. 5% target, 3% daily loss, 4% trailing drawdown, 3 to 5 trading days, 30% consistency rule, mandatory stop loss. No EAs, no news trading. Source Checked 2026-09-17 |
| CFD $150K Account | Not listed in review pricing source | FXIFY Two Phase Pro / USD 849 / One-time List price. Static 8% max loss, 4% daily loss, 3 minimum days, flat 80% split, 10-day payouts, $4,000 maximum gain per day. Source Checked 2026-09-17 |
| 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 | FXIFY One Phase / USD 1049 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 1049 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Pro / USD 1099 / One-time List price. Static 8% max loss, 4% daily loss, 3 minimum days, flat 80% split, 10-day payouts, $4,000 maximum gain per day. Source Checked 2026-09-17 FXIFY Three Phase / USD 799 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 |
| CFD $250K Account | Not listed in review pricing source | FXIFY Two Phase Pro / USD 1350 / One-time List price. Static 8% max loss, 4% daily loss, 3 minimum days, flat 80% split, 10-day payouts, $4,000 maximum gain per day. Source Checked 2026-09-17 |
| CFD $400K Account | Not listed in review pricing source | FXIFY One Phase / USD 2950 / One-time List price. 10% target, 3% daily loss, 6% trailing drawdown that locks. Fee 100% refundable. Source Checked 2026-09-17 FXIFY Two Phase Standard / USD 2950 / One-time List price. Trailing 10% drawdown that locks on payout, 4% daily loss, 5 minimum days, fee 100% refundable. Source Checked 2026-09-17 FXIFY Three Phase / USD 1599 / One-time List price. 5% target per stage, 5% daily loss, 5% static drawdown, 5 minimum days. Fee 100% refundable. Source Checked 2026-09-17 |
| Crypto $5K Account | Not listed in review pricing source | FXIFY Crypto Instant Funding / USD 125 / One-time List price. 80% bi-weekly split, 3% daily drawdown, 6% trailing drawdown, 25% consistency rule, 7-day inactivity limit, $50 minimum payout. Source Checked 2026-09-17 FXIFY Crypto Standard 1-Step / USD 59 / One-time List price. 9% profit target, 4 minimum days on evaluation and 7 once funded, 3% daily drawdown, 6% trailing drawdown, $50 minimum payout. Source Checked 2026-09-17 |
| Crypto $10K Account | Not listed in review pricing source | FXIFY Crypto Instant Funding / USD 250 / One-time List price. 80% bi-weekly split, 3% daily drawdown, 6% trailing drawdown, 25% consistency rule, 7-day inactivity limit, $50 minimum payout. Source Checked 2026-09-17 FXIFY Crypto Standard 1-Step / USD 99 / One-time List price. 9% profit target, 4 minimum days on evaluation and 7 once funded, 3% daily drawdown, 6% trailing drawdown, $50 minimum payout. Source Checked 2026-09-17 |
| Crypto $25K Account | Not listed in review pricing source | FXIFY Crypto Instant Funding / USD 525 / One-time List price. 80% bi-weekly split, 3% daily drawdown, 6% trailing drawdown, 25% consistency rule, 7-day inactivity limit, $50 minimum payout. Source Checked 2026-09-17 FXIFY Crypto Standard 1-Step / USD 249 / One-time List price. 9% profit target, 4 minimum days on evaluation and 7 once funded, 3% daily drawdown, 6% trailing drawdown, $50 minimum payout. Source Checked 2026-09-17 |
| Crypto $50K Account | Not listed in review pricing source | FXIFY Crypto Instant Funding / USD 999 / One-time List price. 80% bi-weekly split, 3% daily drawdown, 6% trailing drawdown, 25% consistency rule, 7-day inactivity limit, $50 minimum payout. Source Checked 2026-09-17 FXIFY Crypto Standard 1-Step / USD 499 / One-time List price. 9% profit target, 4 minimum days on evaluation and 7 once funded, 3% daily drawdown, 6% trailing drawdown, $50 minimum payout. Source Checked 2026-09-17 |
| Crypto $100K Account | Not listed in review pricing source | FXIFY Crypto Instant Funding / USD 1999 / One-time List price. 80% bi-weekly split, 3% daily drawdown, 6% trailing drawdown, 25% consistency rule, 7-day inactivity limit, $50 minimum payout. Source Checked 2026-09-17 FXIFY Crypto Standard 1-Step / USD 999 / One-time List price. 9% profit target, 4 minimum days on evaluation and 7 once funded, 3% daily drawdown, 6% trailing drawdown, $50 minimum payout. Source Checked 2026-09-17 |
| 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 | First-payout fee rebate: One, Standard, Three, Lightning and Crypto Standard. No fee rebate on Classic/Pro/Instant Standard or Lite |
| Coupons / Discount | FTMO discount | Fxify discount |
Platforms & Markets
| Feature | FTMO | Fxify |
|---|---|---|
| Trading Platforms | CFD: MetaTrader 4, MetaTrader 5, cTrader, TradingView. Futures: NinjaTrader, Tradovate, TradingView | MetaTrader 4, MetaTrader 5, DXtrade, TradingView, Tradovate, NinjaTrader |
| Forex | Yes | Yes |
| Stocks | Yes | Yes |
| Indices | Yes | Yes |
| Commodities | Yes | Yes |
| Cryptocurrencies | Yes | Yes, 80+ symbols on the dedicated crypto line |
| Bonds | Not verified for CFD accounts; check current Symbols | Not listed |
| EA/Algo Trading | Allowed subject to trading rules, allocation and platform limits; third-party EAs can create allocation conflicts. | Prior approval on One/Two/Three; prohibited on DXtrade, Instant, Lightning and crypto. Copy rules differ by program |
Payout
| Feature | FTMO | Fxify |
|---|---|---|
| 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 | One/Standard/Three: first on demand, $50 min, then 30 days (14 add-on). Classic: 14/30 days. Pro: 10 days, first 2 caps min(5%, $8K). Instant Standard:14; Lite:10; Lightning:7 then14. Crypto Instant minimums vary |
| 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 | Fxify |
|---|---|---|
| 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 | First on-demand request on eligible evaluations; choice of static/trailing drawdown; published scaling on eligible programs; multi-asset access |
| 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 | Trailing payouts can leave no loss buffer; Pro early payout caps; Lite/Classic consistency; EA approval and platform restrictions; Lightning challenge consistency conflict |
| 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 | Traders who want cash out early rather than a large paper balance, multi-asset traders, and anyone who wants to pick their own drawdown type |
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 Fxify if a higher profit split, up to 100%, a cheaper entry, from USD 59 and news trading allowed 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 FXIFY’s programs?
FXIFY has several two-phase products: Classic, Standard and Pro. They differ in targets, static versus trailing drawdown and payout terms. FXIFY official rules.
How do payouts differ between FTMO and FXIFY?
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.
Classic offers 80% on a 14-day cycle or 100% on a 30-day cycle. Standard defaults to 80% and 30-day subsequent payouts, with separate first-payout and add-on rules. Pro lists 80% every ten days. On the evaluation programmes FXIFY also advertises a first payout on demand, requestable after a single closed trade on the funded account with no minimum trading days or amount; Instant Funding accounts do not get it and pay every 14 days from the start. FXIFY official rules.
Which account rules matter when comparing FTMO and FXIFY?
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.
Classic has a 25% live-account consistency rule. Pro caps each of the first two payouts at 5% of initial balance. Standard trailing drawdown locks at starting balance following payout. FXIFY official rules.
Is FTMO or FXIFY automatically the better choice?
No. Each firm wins on a different axis. FTMO has the larger funded ceiling at $2M. Fxify has the higher profit split at 100% and the cheaper entry at USD 59. 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 Fxify
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.
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