We compared every fee, rule and payout. Here's the verdict.
Funded Trading Plus wins for most traders seeking instant access to capital with Day-0 payouts and a path to 100% profit split. FTMO requires passing a 2-step evaluation before receiving any funded account, which adds time and risk. FT+ scores 86/100 vs FTMO's 82/100. The exception: traders who prefer FTMO's longer track record (founded 2014 vs 2021) and 12,000+ Trustpilot reviews may prefer the legacy brand.
Visit Funded Trading Plus →| Metric | FTMO | Funded Trading Plus |
|---|---|---|
| Min Fee | $99 (2-Step eval) | $225 (Instant) |
| Account Type | 2-Step Evaluation | Instant (No eval) |
| Profit Split Start | 80% → 90% | 80% → 100% |
| Max Account | $200,000 | $100,000 |
| Drawdown Type | Relative 10% max | Relative trailing 6% |
| Daily Drawdown | 5% daily | 6% relative |
| Payout Start | Bi-weekly (post eval) | Day-0 |
| EAs Allowed | Yes | Yes |
| Weekend Holding | No | No |
| US Traders | No | Yes |
| Trustpilot | 4.7 (12,000+ reviews) | 4.6 (2,539 reviews) |
| Founded | 2014 | 2021 |
| Overall Score | 82/100 | 86/100 |
This is the fundamental difference. FTMO requires you to pass a 2-step evaluation before accessing live capital — Phase 1 (10% target, 30 days) and Phase 2 (5% target, 60 days). If you fail, you pay the fee again. FT+ gives you immediate access to funded capital with no evaluation required. The evaluation model works well for experienced traders who can pass reliably, but the instant model removes the gatekeeping and lets you trade with real capital on day one.
FTMO's $99 starting fee is less than half of FT+'s $225 instant account fee. Crucially, with FTMO you pay less but risk losing the evaluation fee if you fail. With FT+, the $225 is non-refundable but gives you immediate live access. Over time, traders who repeatedly fail FTMO evaluations may spend more than the FT+ instant fee. For traders with high evaluation pass rates, FTMO is cheaper. For those who struggle with evaluations, FT+ may be more cost-effective.
FT+ offers a clear path to 100% profit split: 80% → 90% at +20% cumulative profit → 100% at +30% cumulative profit. FTMO caps at 90% on its scaling plan. The 100% split at FT+ means keeping every dollar you earn — a meaningful long-term advantage for consistently profitable traders. FTMO's 90% ceiling is competitive but falls short of FT+'s full split.
Day-0 at FT+ vs bi-weekly at FTMO. Once you're funded with FT+, you can request your first withdrawal the same day you're profitable — there's no mandatory waiting period. FTMO's bi-weekly payout schedule means you wait up to two weeks between payouts. For traders who value cash flow access, FT+'s Day-0 policy is the best in the market.
FTMO was founded in 2014 — over a decade ago — and has built the most trusted brand in prop trading. Its 12,000+ Trustpilot reviews at 4.7 stars represent the deepest community validation of any 2-step prop firm. FT+ (founded 2021) has 2,539 reviews at 4.6 — impressive for a younger firm, but FTMO's longevity is unmatched. For traders who want to minimise counterparty risk, FTMO's ten-year track record is the gold standard.
Funded Trading Plus accepts US-based traders; FTMO does not. This is an absolute blocker for American traders: you simply cannot open an FTMO account if you're in the US. FT+'s US acceptance makes it the default choice for the American market regardless of other factors.