FTMO Review (2026): Features, Fees, Payouts & Is It Worth It?
A hands-on FTMO review for 2026 — real challenge prices, the 80–90% profit split, payout reliability, platforms, rules, and exactly who this established Czech prop firm is right for.
FTMO is the firm most traders measure every other prop firm against. Founded in the Czech Republic and running since 2015, it built its reputation on one thing above all — paying people reliably. This FTMO review covers the 2026 pricing, the profit split, payout reality, platforms, and the rules that actually decide whether you keep your funded account. See our live FTMO data page for current numbers.
Disclosure: we may earn an affiliate commission if you start a challenge through our link, at no extra cost to you — it never changes our rating (methodology). Risk note: a prop firm challenge is a paid evaluation, not income. Most traders don't pass. Only risk money you can afford to lose. This is not financial advice.
FTMO at a glance
| Factor | FTMO |
|---|---|
| Our rating | 4.6 / 5 |
| Trustpilot | 4.8 / 5 (tens of thousands of reviews) |
| Founded | 2015 · Czech Republic |
| Account sizes | $10K – $200K (scaling to $1M) |
| Profit split | 80% → 90% with scaling |
| Platforms | MT4, MT5, cTrader, DXtrade |
| Markets | Forex, indices, commodities, crypto |
| Evaluation | 2-step (FTMO Challenge → Verification) |
FTMO challenge pricing (2026)
FTMO uses a two-step evaluation. One fee covers both phases, and it's refunded with your first payout once funded. Current entry prices:
| Account size | Fee (from) |
|---|---|
| $10,000 | ~$79 |
| $25,000 | ~$199 |
| $50,000 | ~$319 |
| $100,000 | ~$499 |
FTMO rarely discounts — so unlike most firms, there's usually no code to chase (be wary of any site selling a big "FTMO coupon"). If price is your main concern, compare against our cheapest challenges and best discount codes roundups first.
Key features
- Multi-platform access — MT4, MT5, cTrader and DXtrade, so you're not locked into one terminal.
- Scaling to $1M — consistent funded performance unlocks larger capital and a 90% split.
- Flexible account sizes from $10K up to $200K.
- News trading allowed on Swing and evaluation accounts (a real differentiator vs stricter firms).
- Multiple withdrawal options including bank transfer and crypto.
Payouts: the part that matters
FTMO's profit split runs 80% to 90%, climbing with the scaling plan. Its real edge isn't the split — plenty of firms match it — it's the track record of paying out consistently and refunding the evaluation fee on your first withdrawal. That payout reliability is why FTMO anchors our payouts leaderboard and carries a 25% weight in our ranking methodology.
Rules to know before you buy
The challenge is passable for disciplined traders, but these are where accounts get lost:
- Daily loss limit and maximum loss — the two hard lines; breach either and the account is gone.
- Profit target across the two phases (Challenge then Verification).
- No minimum trading-day pressure to overtrade — but check the current minimum-days rule on the firm's page.
New to these terms? Our prop firm rules explainer breaks down drawdown types and consistency rules with worked examples.
Pros and cons
- Pros: elite payout reputation; fee refunded on first payout; 4 platform choices; news trading allowed; scales to $1M; transparent, long operating history.
- Cons: higher entry price than budget futures firms; rarely any discount; 2-step evaluation takes longer than 1-step or instant-funding routes.
Who FTMO is right for
FTMO is the safe default for forex/CFD traders who value getting paid over getting the cheapest entry, and for anyone who wants a firm that will still exist in three years. If you want the lowest possible cost, a futures focus, or instant funding, weigh it against our instant-funding list and futures firms first.
Frequently asked questions
Is FTMO legit?
Yes. FTMO is one of the longest-running prop firms (since 2015), holds a 4.8 Trustpilot rating across a very large review base, and has a well-documented payout history. It's among the most established names in the industry.
How much does FTMO cost?
Evaluation fees start around $79 for a $10K account and scale to roughly $499 for $100K. The fee is refunded with your first payout once you're funded.
What is FTMO's profit split?
80% to start, rising to 90% through the scaling plan as you take consistent payouts.
Does FTMO offer a discount code?
Rarely — FTMO is one of the few firms that doesn't run permanent discounts. Treat any large "FTMO coupon" as a red flag rather than a deal.
Verdict: FTMO remains the benchmark for payout reliability in 2026. It isn't the cheapest, but for forex traders who want to actually get paid, it's the lowest-risk choice on the board. Check the live FTMO numbers, then compare with our best prop firms rankings. Not financial advice — trade only with money you can afford to lose.