FTMO Review & Live Pricing (November 2026)

On CFD you pay once before funding. The 2-Step fee comes back in full with the first reward; the 1-Step fee is non-refundable, and the Instant Account fee is a one-time non-refundable charge. On futures you pay a monthly fee until you pass, with no activation fee, and a reset costs roughly 92% to 96% of the monthly fee. The live price card above shows current amounts.

Rule gotchas

• 1-Step trails. The 10% max loss trails the end-of-day balance, the daily loss limit is 3%, and a 50% Best Day Rule applies to passing and to reward eligibility.
• 2-Step is static but slower. The 10% max loss stays fixed, the daily loss limit is 5%, the minimum is 4 trading days, and Phase 2 targets 5%.
• Instant Account trails intraday. The 10% max loss trails the balance intraday, the daily loss limit is 3%, and a 30% consistency rule applies.
• Futures drawdown locks late. Both futures plans trail the end-of-day balance and lock only at initial capital. Consistency applies in evaluation only: 40% on Futures Growth, 50% on Futures Pro.
• Futures daily loss differs by plan. Futures Growth has no daily loss limit in evaluation and a soft limit on Sim-Funded; Futures Pro uses a hard limit. Contracts cap at 5, 10 and 15 minis by size.

Payout mechanics

The 2-Step pays 80%, rising to 90% via the Scaling Plan or Premium Programme, with the first reward claimable on the 14th day after the first trade. Scaling adds 25% to the balance every 4 months after 10% net profit and 2 processed rewards. The 1-Step pays 90% on the same 14-day first window, and the Instant Account pays 90%. Futures pay 90%: Futures Growth every 4 days with 50% of profit withdrawable, Futures Pro every 5 days with 100% withdrawable. Each futures request needs new profit of at least 50% of the amount requested, per-request caps rise with account size, starting at 5% of the balance on the 50K Futures Growth account and 10% on the 50K Futures Pro account, and Sim-Funded accounts have no consistency rule. A trader can hold at most 3 Sim-Funded accounts at once.

What changed recently

• October 2026: FTMO launched the Instant Account with no evaluation phase.
• September 2026: FTMO cut the 2-Step minimum to four trading days, set the 1-Step daily loss at 3% and added the 50% best-day rule on 1-Step.

Who it fits

CFD traders who want a static drawdown and a refundable fee should start with 2-Step. Futures traders who need full withdrawals and a fixed daily limit fit Futures Pro better than Futures Growth.