FTMO Prop Firm Review: Do They Really Pay Traders in 2025?

Threads are buzzing with concerns about FTMO’s new 0.5–1% risk rule per trade. But does this mean FTMO is denying payouts? Absolutely not. To find out the truth, you must learn about the FTMO prop trading firm overview.

Yes, it’s true that FTMO has deployed a new rule for the demo account traders, but this does not mean they are denying payouts.

After analyzing various FTMO fund beneficiaries, trader reviews, and expert insights, we’ve compiled this in-depth FTMO prop firm review. Before making any decision, read this guide to have a clear understanding.

What is a Prop Trading Firm?

A prop (Proprietary) trading firm is an organization or institution that provides expert traders with capital to trade. And in exchange for this funded capital, the prop firms share a profit with traders.

Here, basically, you don’t have to risk your own money to trade. Rather, you get funds after completing the requirements and trade with the company capital by sharing some profits based on pre-defined terms.

What is FTMO Prop Firm?

FTMO prop firm is a prop fund company (Proprietary Trading Firm) that allows qualified traders to trade with the company’s funds in exchange for a percentage of the monthly profit (commonly 80–90%). The full form of FTMO is Funded Trader Management Organization.

In 2015, FTMO was established in the Czech Republic and invested in competent traders. With more than 240,000+ FTMO accounts now, FTMO offers capital funds for enthusiastic traders after a two-step evaluation procedure that prioritizes winning transactions and rule adherence.

Well, FTMO does not provide live trading accounts with direct market execution. Instead, traders operate in a simulated environment. However, profits earned under some conditions are paid out in real funds.

FTMO Prop Firm Reviews & Ratings

After comparing some FTMO reviews and analysis, it is clear that FTMO is a serious prop trading company with a stronger focus on trader development. The ratings and reviews from different sites show it well.

Well, all of these FTMO prop firm legit reviews obviously indicate high customer satisfaction and timely payouts.

As mentioned, FTMO, a prop company for traders with trading experience but who need financial support. Though due to strict terms and conditions, many say it is a scam, it is a legit proprietary trading firm providing everything that they say they are.

However, traders get a demo account, but FTMO Traders can get a reward of up to 90% of simulated profits without risking their own capital and access exclusive opportunities.

How Does FTMO Work?

FTMO works on a two-step evaluation process. After a trader completes the 2-step verification challenges, he or she will get an account with fully fictitious funds along with access to educational tools.

So, the 2 steps are-

• Phase- 1: FTMO Challenge– is a basic assessment of a trader’s skills and discipline. Participants in the challenge must pay a subscription fee that varies depending on the account size, leverage, and risk mode chosen.
• Phase- 2: FTMO Verification–  is the second step after successfully completing the challenge. The rules are similar to the Challenge rules, but with a longer time interval and half the profit target.

Once these 2 steps are successfully completed, traders get access to an FTMO Account with a 90% profit split—among the highest in the industry.

That said, FTMO traders will always have access to a demo account with virtual money. FTMO never allows traders a real “live account” or “margin account.” But yes, when traders make a profit by maintaining the given drawdown thresholds, FTMO rewards them with real funds according to the contractual conditions.

If you want to try before you buy, you can do so with a free trial challenge. The 14-day trial allows you to experience the Challenge and hone your skills.

FTMO also offers another step called pro trading. The benefit of getting access to this step-4 feature is that you can get an opportunity to become a professional trader in the Quantlane prop firm with a contractual fixed salary based on performance and consistency.

What are the Tradable Instruments in FTMO?

From Forex to Gold, indices, and stocks, every instrument is tradable in FTMO. So, this trusted modern prop trading firm offers a variety of trading instruments, including forex, commodities, indices, cryptos, stocks, and bonds.

You can choose your own choice of currencies and other assets to trade with FTMO. Such as-

• Forex: 28 major currency pairs, 14 minor pairs, and a few exotic pairs
• Commodities: Gold (XAUUSD), Silver (XAGUSD), Oil (USOIL.cash & UKOIL.cash)
• Indices (FTSE 100, NASDAQ, DAX)
• Cryptocurrencies: Bitcoin (BTC/USD), Ethereum (ETH/USD), and Litecoin (LTC/USD)
• Stocks & Bonds: Apple (AAPL), Tesla (TSLA), Amazon (AMZN), etc., and government bonds.

What Account Types Does FTMO Offer?

FTMO mainly offers 3 types of accounts or challenges: Standard, Aggressive, and Swing accounts. Every account comes with its own set of trading tools and apps, including the Account Metrix, Mentor Application, and Equity Simulator.

After passing the evaluation steps you can get access to these funded capital accounts.

All these 3 account types include 2 evaluation steps and a minimum of 4 trading days to an unlimited number of trading days to pass. And an 80% profit share is the same for these 3 accounts.

Accounts are divided into 10k, 25k, 50k, 100k, and 200k challenges. Except for the 200k challenge, which has only the normal risk level, each challenge has a risk level (Normal or Aggressive).

FTMO offers these funded accounts to suit different types of traders. Let’s break down each prop fund account type-

1. Standard Account: You can leverage up to 1:100 with the FTMO standard account. With the standard FTMO account, you won’t be able to hold your trades over the weekend or trade during news.
2. Aggressive Account: It allows for larger losses but has higher profit targets. The 10k Prop Fund Challenge costs €155, while the 200k Challenge costs €1080. You can open multiple accounts, but the maximum initial capital allocation for FTMO is $400k (or $200k for Aggressive accounts). This means you could have two accounts worth $200,000 or four accounts worth $100,000.
3. Swing Account: This account is for the swing traders. FTMO has separate swing accounts with 1:30 leverage, reduced from the standard and aggressive accounts. However, the maximum trailing drawdown and profit target are the same as the standard account.

Please keep in mind that you must pay for and complete the Challenge for each new account.

Which Trading Platforms Work with FTMO?

FTMO works with mainstream platforms, including MetaTrader 4 (MT4), MetaTrader 5 (MT5), cTrader, and DXtrade. So, it helps retail traders to be compatible with most retail trading strategies and EAs.

With MT4, MT5 platforms’ advanced trading environment and user-friendly interface, traders feel a smooth trading experience with FTMO.

Besides, MetaTrader 4 or 5 allows automated trading with expert advisors (EAs). So, passing the FTMo challenges using an advanced signal copier like TSC can help take the reading style or experience to a whole new level.

FTMO Advanced Features for Profitable Trading

Other than general trading facilities with FTMO funded accounts, it offers exclusive tools and resources, such as-

• Performance coaches and Psychology apps to manage emotions while trading.
• FTMO academy with 50+ free resources, e-books, and webinars.
• 24/7 active customer support with a team with over 18 languages of fluency.
• Statistical Analysis Dashboard to review trading metrics like average RR and win rate.
• FTMO quick payout option with as little as 8 hours of time duration.

How to Get Started With FTMO?

To get started with FTMO, you need to register and pay the evaluation fee to start taking the challenge for your desired funded account. So, the steps include-

Step 1: Visit the FTMO official page and register an account to get started. This is the very first step, right after you decided to take the challenge.

Step 2: Choose your finance accounts, and pay a one-time charge of $77 to $597 for the 2-step evaluation process. Once profitable, you can receive 80% to 90% of net profits monthly, with FTMO receiving the remainder as a profit share for providing trader capital.

Step 3: Purchase the FTMO challenge, where the upfront fee varies by account size. You can also try the free trial to learn about the FTMO platform and FTMO challenges without paying.

Step 4: Complete phase 1, which is the FTMO challenge, and meet the required profit target to go to the next step.

Step 5: If you successfully pass phase 1, go for phase 2, which is the verification phase. Here also the same rule applies for lower profit targets and loss limits.

Step 6: Now, get access to the Funded FTMO Account and trade in the funded demo environment with profit share. In this step, you must sign an agreement for different FTMO terms and conditions regarding the challenges and trades. So, make sure you go through this.

Which Strategies are Allowed to Pass FTMO Prop Firm Challenges

Any trading strategy is allowed to pass FTMO challenges as long as it complies with your trading platform regulations. So, it is entirely up to you to choose your trading style.

There’s no limit or restriction for trading strategy, whether it’s swing trading, day trading, scalping, or anything else as long as it is legal, conforms to real market conditions, and you can replicate your trades on our live corporate accounts.

Besides, some forbidden trading practices are listed by FTMO, such as illegal or any trading behavior that does not align with platform rules and regulatory compliance.

If you use a copier EA (Expert Advisor) to pass FTMO challenges, FTMO does not directly prohibit it, but FTMO warns about using the same trading strategy as others, provided that others might be using the same EA.

Oh! In this case, the TSC Drawdown Limiter EA can help you with real-time drawdown monitoring for prop-firm-friendly protection with FTMO.

However, FTMO also suggests not to use Stop-Loss while trading, though it is recommended for safe trading. So, with trading strategies, you have complete freedom.

How Much is the FTMO Fee?

The FTMO challenge fee ranges from €89 to €1,080 for a minimum of a $10K account to a max of a $200K account. However, these fees are refundable, and this one-time fee covers the entire 2-step verification process.

So, based on different funded account sizes, this fee varies. The list below shows all the available fees for different FTMO account sizes.

Though this is a refundable fee, it is reimbursed to you when you get your first reward after passing all the challenges and becoming an FTMO trader.

How to Pay the Evaluation Fee on FTMO Prop Firm? Available Payment Methods

You can pay for the FTMO Challenge fees via bank wire transfer, debit/credit card, cryptocurrencies, Google Pay, Apple Pay, Skrill, or Nuvei.

You can choose any options available from the mentioned payment method and start your trading evaluation for the funded account. Once the payment for the challenge is made, you can choose to control your FTMO account in any of your preferred currencies, like USD, GBP, AUD, and EUR.

However, for your information, FTMO does not allow any trader or evaluation fees from Syria, North Korea, Iran, or Myanmar. Besides, FTMO services are not available for the Central African Republic, Afghanistan, Antarctica, Bhutan, the Republic of the Congo, Cuba, the Holy See (Vatican City State), Kosovo, India, Anguilla, the Cook Islands, Barbuda, San Marino, South Sudan, Somalia, Ukraine, Turkmenistan, Uzbekistan, Western Sahara, the Russian Federation, and Venezuela.

However, FTMO does not charge any withdrawal fees for payouts. So, you can keep more of your profits. You can also learn more from the FTMO official FAQs.

How Long Does the FTMO Challenge Take?

There is no time limit to pass the FTMO challenges. So, the trading time is indefinite to pass the 2-step evaluation and FTMO challenges. But FTMO does enforce a minimum trading time of 4 days of trading to get eligible for the funded account.

So, maintaining the minimum trading days, which is 4, you can take your time to complete the FTMO profit target and pass the challenges, no matter how many days or months you need.

In 2024, retail trader Emma Helel passed the FTMO challenges within 22 days, whereas another trader took 5 months to pass. So, this depends on your trading strategies and expertise.

How Do You Profit with FTMO?

You can profit with FTMO by sharing the trading profits. The standard payout for FTMO prop trading is 80% profit share. And with scaling, it goes up to 90% for consistent traders with consistent trading performance under the scaling plan.

FTMO is a great prop fund company that allows automatic scaling up with profit share for consistent traders. FTMO’s scaling plan increases your account balance by 25% every 4 months if you achieve a 10% profit in total.

To qualify, you need to make at least 10% profit in total over those four months (which works out to about 2.5% per month on average).

On top of that, your profit split can increase from 80% up to 90%, giving you a bigger share of the profits as you prove yourself.

Pros and Cons of FTMO

Here are the advantages of trading with FTMO-

Pros:

• Higher profit split (up to 90%)
• Wide range of available trading instruments
• Excellent education & psychology support
• Fast payouts (within 24 hours)
• No trading time limit

Now, let’s see the drawbacks of FTMO accounts.

Cons:

• Not directly available for US clients.
• Higher failure rate.

FTMO Vs Other Prop Firms

After reviewing some comparisons, like from QuantVPS, here we showcase the quick comparison table for FTMO prop firm and other prop firms.

Does FTMO Accept US Clients?

Yes, FTMO accepts US clients through the OANDA partnership launched in August 2025. US traders must have a valid U.S. Tax Identification Number along with the completed IRS Form (W-9) to receive the first rewards and hassle-free payouts.

Well, FTMO provides its service to more than 140 countries worldwide. And among the list, now the US is available. However, in May 2023, FTMO announced 5 US states to be banned and would not accept clients from residents of South Carolina, Arkansas, Montana, Louisiana, or Delaware.

Final Wrap: Is FTMO Prop Firm Worth It?

Yes, the FTMO prop firm is worth it for modern traders. FTMO is a prop company for traders with trading experience, hard testing conditions, and attractive conditions for those who go into real trading. The best part of trading with the FTMO is that you can get a funded account without any trading day limitations.

However, many beginners seem to fail due to not having proper risk control setups and patience. But traders with consistent profits can scale up to higher profit shares, up to 90%, along with access to professional tools and growth opportunities.

Even famous YouTuber and trader René Balke has suggested that beginners should have a solid trading strategy before trying prop firms. He has recently shared his 2.5-year trading journey with the FTMO prop fund company in an interview with Strategy Quant, showing his support for automated trading.

So, if you want to scale up quicker, avoiding human error, contact Telegram Signal Copier support to learn more about FTMO copy trading.

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