FTMO vs Instant Funding: Prop Firm Comparison 2026

Compare FTMO (forex/CFD) and Instant Funding (forex/CFD) side by side — profit splits, challenge fees, drawdown rules, platforms, and trading restrictions.

FTMO review →Instant Funding review →

	FTMO	Instant Funding
Trustpilot rating	4.8★ (44,847 reviews)	3.1★ (4,683 reviews)
Max profit split	90%	80%
Evaluation types	1 Step, 2 Steps	2 Steps, 1 Step, Instant
Account sizes	$10K, $25K, $50K, $100K, $200K	$625, $1.25K, $2K, $2.5K, $5K, $10K, $20K, $25K, $40K, $50K, $80K, $100K, $120K, $200K, $300K
Cheapest challenge fee	€79	$25
Drawdown type	—	Static / Trailing
Platforms	MT4, MT5, cTrader	MT5, cTrader, Match-Trader
Payout frequency	14 days from first trading day	On-demand / Every 7 days / After the 24-hour window / 14 days, then weekly / Every 14 days / On-demand, then every 7 days
News trading	Restricted	Restricted
Automated trading / EAs	Allowed	Restricted
Weekend holding	Restricted	Allowed

Verdict

FTMO offers a higher advertised profit split (90% vs 80%). Instant Funding is cheaper to enter, with challenge fees from $25 compared to €79 at FTMO. Both firms support 3 trading platforms.

True Cost Calculator

See how much it truly costs to get funded at FTMO, including multiple failed attempts.

Account Size

Challenge Type

Fee

€199

Split to you

90%

Account

$25K

How many attempts?

Drag to model your worst-case scenario

2attempts

1Best

5Worst

Total Spent

€398

2 attempts × €199 fee

Net Cost

€398

No fee refund on this plan

Break-Even

1.77%

Profit needed on $25K after 90% split

Fees shown in EUR. Break-even is the minimum profit % you need on your funded account to cover all challenge costs.

FTMO vs Instant Funding — FAQs

Both FTMO and Instant Funding are legitimate prop trading firms, and the better choice depends on your priorities. FTMO has a higher Trustpilot rating (4.8 vs 3.1). FTMO offers a higher profit split (90% vs 80%).

FTMO has the higher advertised profit split at up to 90%, compared to 80% at Instant Funding.

Instant Funding is cheaper to get funded, with challenge fees starting at $25 compared to €79 at FTMO.

Both firms can be used by beginners, though the right choice depends on your experience level. Both offer 1-step evaluations suited to beginners. FTMO account sizes: $10K, $25K, $50K, $100K, $200K. Instant Funding account sizes: $625, $1.25K, $2K, $2.5K, $5K, $10K, $20K, $25K, $40K, $50K, $80K, $100K, $120K, $200K, $300K.