We compared every fee, rule and payout. Here's the verdict.
Funded Trading Plus wins with its Day-0 payout policy, 100% profit split ceiling, and higher overall score (86 vs 74). The critical differentiator is EAs: Funded Trading Plus allows expert advisors while FXIFY bans them on instant accounts — a dealbreaker for automated traders. FT+ also offers weekly payouts vs FXIFY's 14-day wait.
Visit Funded Trading Plus →| Metric | Funded Trading Plus | FXIFY |
|---|---|---|
| Min Fee | $225 (Instant) | $69 (Instant) |
| Profit Split Start | 80% → 100% | 80% → 90% |
| Max Account | $100,000 | $50,000 Instant / $400K challenge |
| Drawdown Type | Relative trailing (6%) | Trailing (8% max) |
| Daily Drawdown | 6% relative | 4% |
| Payout Start | Day-0 | 14 days |
| EAs Allowed | Yes | No (instant accounts) |
| Weekend Holding | No | Yes |
| US Traders | Yes | Yes |
| Trustpilot | 4.6 (2,539 reviews) | 4.3 (1,200+ reviews) |
| Founded | 2021 | 2022 |
| Overall Score | 86/100 | 74/100 |
FXIFY's $69 minimum fee is dramatically cheaper than FT+'s $225. For traders starting out or testing a strategy, this lower barrier to entry is significant — FXIFY even offers a $1,000 practice account for $69. FT+ charges $225 for its smallest $5K account, which is higher relative to account size. If cost minimisation is your priority, FXIFY wins this category clearly.
Both start at 80%, but FT+ has a clear edge: it offers a path to 100% profit split achievable at 30% cumulative profit, while FXIFY caps at 90%. Keeping every dollar of profit at the 100% level is materially significant for consistently profitable traders. The upgrade path at FT+ (80% → 90% at +20% → 100% at +30%) is achievable within a realistic timeframe for most traders.
This is the most decisive differentiator. FT+ explicitly allows expert advisors (with the condition they are personally built, not commercial EAs). FXIFY outright bans EAs on instant accounts — full stop. For algorithmic traders, bot traders, or anyone using automated systems, FXIFY is simply not an option. FT+ is the clear choice for systematic traders.
Day-0 payouts at FT+ are the industry benchmark. You can request a withdrawal as soon as your account is profitable — there's no mandatory waiting period. FXIFY requires a 14-day wait after your first trade before you can access any profits. For traders who value cash flow and immediate access to earnings, FT+'s Day-0 policy is unmatched.
FXIFY allows weekend holding while FT+ auto-closes all positions by Friday 4:30pm EST. For swing traders who hold positions over the weekend, FT+ is incompatible with their strategy. FXIFY also permits traders to use MT4 — an older platform many traders are comfortable with — which FT+ doesn't support. For these specific needs, FXIFY wins.
Both firms are relatively young (FT+ founded 2021, FXIFY 2022), but FT+ has twice the Trustpilot review count (2,539 vs 1,200+) at a higher rating (4.6 vs 4.3). FT+'s award for Best Instant Funding Prop Firm 2025 adds further credibility. The larger review base at FT+ gives traders more statistical confidence in assessing genuine trader experience.