Funded Trading Plus Review 2026: What FT+ 2.0 Took Away
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- UK-registered (Acello Ltd); states plainly it is NOT FCA regulated
- Acquired by Instant Funding in May 2026; the CEO has since stepped down
- Static 8% on the 2-Step Classic; Instant and 1-Step Express both TRAIL
- A 3% loss on any single symbol terminates the 2-Step account outright
- The fee rebate was abolished in February 2026 – no refund on any current product
Last reviewed: 13 July 2026. Checked against Funded Trading Plus official terms, help centre and pricing pages. Figures below reflect the products on sale at the time of review; prop firm rules change often, so always confirm on the firm’s own pages before you buy.
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: base 80%, rising to 90% at +20% profit or via a paid add-on. The marketed “up to 100%” is not supported by any rule document.
- 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 3% loss on any single symbol terminates the account - even with 5% of your overall drawdown left. A consistency rule can also hold a passed account until your best day is diluted.
- Cost: one-time fee. The fee rebate was abolished in February 2026 - there is no refund on any current product.
- 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. With $19.5M+ paid out across 60,000+ traders in 180 countries and a 4.4/5 Trustpilot rating, FT+ remains one of the most established and trader-friendly prop firms available.
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.
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% |
Sizes run $5,000 to $200,000. The current line-up 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.
If you want a fixed floor, the 2-Step Classic is the only static option - but it is also the programme carrying the two rules below.
The 3% Symbol Loss Limit
This is the rule that ends 2-Step Classic accounts, and it does not exist at most competitors.
“any single instrument (e.g. XAU/USD) may not incur more than a 3% simulated equity loss… If this rule is triggered in any Evaluation phase or in the FT+ Trader Phase, the account will be terminated (Hard Breached).”
Note what that means in practice. Your maximum drawdown is 8%, but no single symbol may cost you more than 3%. A trader who takes a disciplined 8% total loss spread across four instruments survives. A trader who loses 3.1% on gold alone is finished, even with 5% of headroom left. If you concentrate on one pair - and most traders do - your effective drawdown on that pair is 3%, not 8%.
FT+ also reserves the right to apply it retrospectively, checking compliance “during its Risk Review processes (or at any time)”.
The Consistency Rule Can Block A Pass You Have Already Earned
Also 2-Step Classic only. 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.
There Is No Fee Refund Any More
FT+ used to rebate the evaluation fee. It does not any longer, and the wording is unambiguous:
“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 | |
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.
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. Not allowed on Instant Funding - everything must be flat by 4:30pm EST Friday.
- 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: not required. Swap-free on everything.
Platforms and Costs
FT+ offers MetaTrader 5 and 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. The fee is gone the moment you buy - there is no rebate on any current product. The two programmes with the best payout terms both use a trailing drawdown that does not reset when you withdraw. The one static programme carries a 3% single-symbol kill switch and a consistency rule that can hold a passed account hostage. And the firm has changed hands and lost its CEO in the last two months.
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 would rather wait out the ownership transition before committing.
Frequently Asked Questions
Does Funded Trading Plus refund the fee?
No. As of 7 February 2026 the fee rebate was abolished on every programme currently on sale - FT+’s own help centre states that “no challenge refund fee is offered”. A 14-day cancellation window exists but is void once you place your first trade.
What is the 3% symbol loss limit?
On the 2-Step Classic, no single instrument may cost you more than 3% of your equity. Breaching it terminates the account outright, even though the overall drawdown allowance is 8%. It applies in the evaluation and the funded phase, and FT+ can apply it retrospectively during a risk review.
Does Funded Trading Plus have a trailing drawdown?
On Instant Funding and 1-Step Express, yes - it trails 6% from the high-water mark of your closed balance and locks once it reaches your starting balance. Payouts do not lower the high-water mark, so withdrawing tightens your buffer. The 2-Step Classic is static at 8%.
What profit split does Funded Trading Plus pay?
80% as standard. It rises to 90% once you make 20% profit in the funded phase, and a paid add-on at checkout buys 90% (85% on the 2-Step) for an extra 15% of the fee. The firm markets “up to 100%”, but no rule document on its site supports a split above 90%.
Is Funded Trading Plus legit?
Funded Trading Plus is a real, operating firm running through Acello Ltd, a UK company (no. 12696083). It states plainly that it is “not authorised or regulated by the Financial Conduct Authority”, and all accounts are simulated. Note that it was acquired by Instant Funding in May 2026 and its CEO has since stepped down.
Does Funded Trading Plus have a consistency rule?
Only on the 2-Step Classic. No single day’s profit may exceed 35% of your total in the evaluation, or 50% in the funded phase. It does not fail you - it holds you: you cannot pass or request a payout until the rule is satisfied, even if you have already hit the profit target.
Can you hold trades over the weekend at Funded Trading Plus?
On 1-Step Express and 2-Step Classic, yes. On Instant Funding, no - all trades must be closed by 4:30pm EST on Friday.
Are Expert Advisors allowed at Funded Trading Plus?
Yes. EAs, algos and bots are permitted on every programme, which is a genuine advantage over much of the market. The firm reserves the right to demand the source code, however, and refusing to provide it is a breach. Copy trading is allowed only between your own accounts.
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