Head-to-head
FTMO vs Instant Funding
A direct, side-by-side comparison of FTMO and Instant Funding — profit splits, evaluation fees, payout cadence, supported assets, and trading rules. Data pulled live from our firm directory.
Quick verdict
Instant Funding is best for
traders who want to skip the evaluation; traders avoiding evaluation hurdles.
Full Instant Funding profile →Cost to first payout
Cost to first payout
What it actually costs to reach payout — a normalized estimate built from each firm's lowest published evaluation cost, monthly fees, and first-payout window. Estimates, not guarantees. Each card shows the assumptions used.
FTMO
estimateApprox. total
—
to reach first payout eligibility
Approx. time
17days
from sign-up to first eligible request
- Start cost
- —
- Monthly fee
- None
How we estimated this
- Adds ~10 calendar days for evaluation completion (most firms require ≥5 minimum trading days).
- Source — eval fee: €89–€1,080 one-time (refundable on pass); monthly: No monthly fee — one-time challenge cost; first payout: First payout possible after 14 days; reduce to weekly on request.
Instant Funding
Not enough structured fee data published to estimate a cost-to-first-payout figure for this firm.
Trade-offs
Where each firm is weaker
No firm wins on every axis. These are the most meaningful drawbacks of each option — derived from the same structured fields shown in the table, never invented.
FTMO trade-offs
Slower to funded
Requires passing an evaluation before payouts. Instant Funding offers instant funding as an alternative path.
Instant Funding trade-offs
No copy trading
Forbids copy / algo bridges. FTMO permits them.
Decision guide
Best for your trader type
- Highest profit share
Tie
Both pay 90%.
- Fastest to funded
Offers instant funding.
- Biggest scaling ceiling
Up to $200,000.
- Copy & algo traders
Copy trading is permitted.
| Attribute | FTMO Evaluation Based · est. 2015 | Instant Funding Instant Funding · est. 2022 |
|---|---|---|
| Cost | ||
| Evaluation fee | €89–€1,080 one-time (refundable on pass) | — |
| Monthly fee | No monthly fee — one-time challenge cost | — |
| Evaluation required | Yes | No |
| Instant funding | No | Yes |
| Capital | ||
| Profit split | 90% | 90% |
| Max allocation | $200,000 | $2.5K–$200K |
| Account sizes | $10K, $25K, $50K, $100K, $200K (USD/EUR/GBP/CZK) | $2.5K–$200K |
| Scaling | Scaling Plan: +25% balance every 4 months at 10%+ profit over 2 of 4 months. | — |
| Payouts | ||
| Frequency | On-demand (default 14 days, weekly available) | Bi-weekly |
| First payout | First payout possible after 14 days; reduce to weekly on request | Once you pass the challenge and move to a virtual funded account |
| Assets | ||
| Futures | Yes | No |
| Stocks | Yes | No |
| Options | No | No |
| Forex | Yes | Yes |
| Crypto | Yes | No |
| Trading rules | ||
| News trading | Yes | Yes |
| Overnight holding | Yes | Yes |
| Weekend holding | Yes | Yes |
| Copy trading | Yes | No |
| Technology | ||
| Platforms | MetaTrader 4, MetaTrader 5, cTrader, DXtrade | MetaTrader 5 |
| Data feed | Purple Trading / Spotware | — |
| Company | ||
| Headquarters | Prague, Czech Republic | UK |
About Instant Funding
Prop firm offering instant-funded accounts with no evaluation phase.
Full Instant Funding profile →Trust & stability
Reputation and rule-change activity
Two added decision signals: a weighted reputation score from independent review sources, and a 90-day view of structural rule-change activity where monitored sources are available.
Reputation
canonical- Sources used
- 1
- Confidence
- medium
Weighted blend of independent trader-review sources. See methodology.
Rule Stability
last 90d- Last change
- —
- Type
- —
- Sources monitored
- —
- Status
- No changes detected in monitored sources
Weekly diff of the firm's published rule pages (terms, rules, FAQ, legal). "No changes detected" only means none of the monitored monitored sources changed — other surfaces (Discord, email, dashboards) are not covered. "Limited" or "unavailable" means our monitor cannot reach enough sources to make an honest call.
Reputation
canonical- Sources used
- 1
- Confidence
- medium
Weighted blend of independent trader-review sources. See methodology.
Rule Stability
last 90d- Last change
- —
- Type
- —
- Sources monitored
- —
- Status
- No changes detected in monitored sources
Weekly diff of the firm's published rule pages (terms, rules, FAQ, legal). "No changes detected" only means none of the monitored monitored sources changed — other surfaces (Discord, email, dashboards) are not covered. "Limited" or "unavailable" means our monitor cannot reach enough sources to make an honest call.
Frequently asked
Common questions
- Which has a higher profit split — FTMO or Instant Funding?
- FTMO pays 90%; Instant Funding pays 90% of trader profits once funded. Both firms offer the same profit share.
- Is FTMO cheaper to start than Instant Funding?
- FTMO: evaluation from €89–€1,080 one-time (refundable on pass). Instant Funding: offers instant funding (no evaluation).
- Which pays out faster — FTMO or Instant Funding?
- FTMO payouts: On-demand (default 14 days, weekly available). Instant Funding payouts: Bi-weekly. First-payout eligibility: FTMO — First payout possible after 14 days; reduce to weekly on request; Instant Funding — Once you pass the challenge and move to a virtual funded account.
- What's the maximum allocation at FTMO vs Instant Funding?
- FTMO scales up to $200,000. Instant Funding scales up to $2.5K–$200K.
- Can I trade news at FTMO or Instant Funding?
- FTMO: permits news trading. Instant Funding: permits news trading.
- Can I hold positions overnight at FTMO or Instant Funding?
- FTMO: allows overnight holds. Instant Funding: allows overnight holds.
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