FTMO vs FXIFY: Compared Rule by Rule for 2026
FTMO and FXIFY are the two most-compared forex props at opposite ends of the rule-strictness axis. FTMO ships a single, tight evaluation product; FXIFY sells nearly every challenge parameter as a configurable option.
Side-by-side comparison
| Rule | FTMO | FXIFY |
|---|---|---|
| Markets | Forex, Indices, Commodities, Crypto, Stocks | Forex, Indices, Metals, Crypto, Oil |
| Audited variants | 2 | 9 |
| Evaluation | 1-Step or 2-Step | 1, 2 or 3-Step |
| Account sizes | "0K to $200K | $2.5K to $400K |
| Fee (100K) | €540 | ~$489 |
| Profit split | 80 to 90% | 75 to 90% (100% on 2-Phase Classic) |
| Max drawdown | 10% | 6 to 10% (configurable) |
| Drawdown type | Static | Static |
| Daily loss | 5% | 4% |
| Consistency rule | None | None on standard |
| Min trading days | 4 | 0 with add-on, 3 default |
| Payout speed | ~8 hours to 1 day | 24 hours |
| Payout frequency | Bi-weekly / Monthly | On-demand from day 1 |
| News trading | Restricted on funded accounts (2-min window) | Allowed |
| EAs / bots | Allowed with restrictions | Allowed |
| Weekend holding | Swing account only | Allowed |
| Scaling cap | $2M (no $400K tier) | $4M |
| US traders | Via FTMO US / OANDA only | Yes (most products) |
| Trustpilot | 4.8 (29,000+) | 4.4 (6,800+) |
| Value score | 92 | 85 |
Verdict
Pick FTMO if you want the industry benchmark for track record and a single well-understood ruleset. Pick FXIFY if you want per-purchase configurability and on-demand payouts.
FTMO strengths
Longest track record, $200M+ paid, static drawdown, no consistency rule
FTMO weaknesses
$400K scaling cap, no futures, news restrictions on funded accounts, US traders via FTMO US only
FXIFY strengths
Fully configurable challenge, on-demand payouts from day one, no consistency rule on standard, UK-based
FXIFY weaknesses
Add-on pricing can balloon the entry fee, newer firm without long payout track record, no futures