Comparison

ForRealFunding vs FTMO

FTMO vs ForRealFunding (2026): FTMO 1-Step and 2-Step prices, rules, payouts and refunds compared side by side — including FTMO for US and India traders.

FTMO figures researched 2026-09-25 · how we source comparisons

Compare

ForRealFunding

FTMO

Evaluation Model

Instant Funding, 1-Step, 2-Step, or Pay After Pass — you choose

1-Step Challenge (launched Feb 2026) or 2-Step Challenge + Verification; FTMO Futures is a separate product

Instant Funding Option

Yes — no evaluation required

No — every account starts with an evaluation

Starting Fee

From $9.99 (Pay After Pass)

From €79 ($10K 1-Step) or €89 ($10K 2-Step); US site $89 / $99

$100K Price

$539.99 (1-Step) or $519.99 (2-Step) upfront; or $9.99 + the rest after passing

€499 (1-Step) or €540 (2-Step) before sales; US $579 / $619

Profit Target

~10% (1-Step); ~8% then ~5% (2-Step)

10% (1-Step); 10% then 5% (2-Step)

Daily / Max Loss

4% daily / 8% max (1-Step) or 5% daily / 10% max (2-Step), static

1-Step: 3% daily, 10% max trailing at end of day; 2-Step: 5% daily, 10% max static

Best-Day / Consistency Rule

No consistency rule on any account, evaluation or funded

1-Step: best day can't exceed 50% of total profit

Minimum Trading Days

None on most models

None on 1-Step; 4 per phase on 2-Step

Profit Split

Up to 90%, from your first payout

1-Step 90%; 2-Step 80% → 90% via the Scaling Plan

Payouts

First payout 30 days after your first trade, then every 14 days; approved payouts processed within 24 working hours or $1,500 compensation

First reward from day 14 after your first trade, then any day; reviewed in 1–2 business days

Challenge Fee Refund

Refunded alongside a payout — 3rd on 1-Step/2-Step, 4th on Pay After Pass, 5th on Instant

2-Step fee refunded with the first reward; 1-Step fee not refunded

Weekend & News (funded)

Weekend holding allowed on all stages; funded profit within 5 min of high-impact news may be removed

Standard accounts: no overnight/weekend holding and no trading 2 min either side of selected news (Swing accounts allow both at lower leverage)

Max Simulated Funding

Up to $500,000

$200K per account, $400K per trader; Scaling Plan up to $2,000,000

Platforms

MetaTrader 5

MT4, MT5, cTrader, TradingView (US: MT5 and TradingView via OANDA)

Evaluation Model

FRF

Instant Funding, 1-Step, 2-Step, or Pay After Pass — you choose

FTMO

1-Step Challenge (launched Feb 2026) or 2-Step Challenge + Verification; FTMO Futures is a separate product

Instant Funding Option

FRF

Yes — no evaluation required

FTMO

No — every account starts with an evaluation

Starting Fee

FRF

From $9.99 (Pay After Pass)

FTMO

From €79 ($10K 1-Step) or €89 ($10K 2-Step); US site $89 / $99

$100K Price

FRF

$539.99 (1-Step) or $519.99 (2-Step) upfront; or $9.99 + the rest after passing

FTMO

€499 (1-Step) or €540 (2-Step) before sales; US $579 / $619

Profit Target

FRF

~10% (1-Step); ~8% then ~5% (2-Step)

FTMO

10% (1-Step); 10% then 5% (2-Step)

Daily / Max Loss

FRF

4% daily / 8% max (1-Step) or 5% daily / 10% max (2-Step), static

FTMO

1-Step: 3% daily, 10% max trailing at end of day; 2-Step: 5% daily, 10% max static

Best-Day / Consistency Rule

FRF

No consistency rule on any account, evaluation or funded

FTMO

1-Step: best day can't exceed 50% of total profit

Minimum Trading Days

FRF

None on most models

FTMO

None on 1-Step; 4 per phase on 2-Step

Profit Split

FRF

Up to 90%, from your first payout

FTMO

1-Step 90%; 2-Step 80% → 90% via the Scaling Plan

Payouts

FRF

First payout 30 days after your first trade, then every 14 days; approved payouts processed within 24 working hours or $1,500 compensation

FTMO

First reward from day 14 after your first trade, then any day; reviewed in 1–2 business days

Challenge Fee Refund

FRF

Refunded alongside a payout — 3rd on 1-Step/2-Step, 4th on Pay After Pass, 5th on Instant

FTMO

2-Step fee refunded with the first reward; 1-Step fee not refunded

Weekend & News (funded)

FRF

Weekend holding allowed on all stages; funded profit within 5 min of high-impact news may be removed

FTMO

Standard accounts: no overnight/weekend holding and no trading 2 min either side of selected news (Swing accounts allow both at lower leverage)

Max Simulated Funding

FRF

Up to $500,000

FTMO

$200K per account, $400K per trader; Scaling Plan up to $2,000,000

Platforms

FRF

MetaTrader 5

FTMO

MT4, MT5, cTrader, TradingView (US: MT5 and TradingView via OANDA)

The Verdict

Which one is right for you?

FTMO has the industry's longest track record — 4.8/5 across 53,000+ Trustpilot reviews and $650M+ paid in rewards — a $2M scaling ceiling, and faster first payouts (from day 14) than ForRealFunding's 30 days. Its new 1-Step is cheaper to enter but has a trailing max loss, a 50% best-day rule and a fee that is never refunded. ForRealFunding's edge is cost and flexibility: a $9.99 pay-later entry on accounts up to $500K, an Instant Funding option FTMO doesn't offer, static drawdown on its evaluations, weekend holding on every stage, and a compensated 24-working-hour payout guarantee — against a much shorter track record.

See ForRealFunding Pricing

Sourced Pros & Cons

What FTMO is actually good at

Real strengths and real, sourced complaints about FTMO — not just marketing copy.

Strengths

+4.8/5 across 53,000+ Trustpilot reviews and $650M+ paid in rewards — the deepest track record of any firm compared here
+First reward from day 14, then on request; 90% split from day one on the 1-Step
+Scaling Plan up to $2,000,000, and a choice of MT4, MT5, cTrader and TradingView

Watch Out For

–The 1-Step fee is never refunded, its max loss trails, and a 50% best-day rule applies
–Standard funded accounts can't hold overnight or over weekends, and can't trade 2 minutes either side of selected news (Swing accounts can, at lower leverage)
–FTMO recommends risking 1–1.5% per trade and monitors "high-risk" behaviour, which can lead to warnings or account closure
–No Instant Funding option — every account starts with an evaluation

FAQ

ForRealFunding vs FTMO: Questions

How much does FTMO cost in 2026?

On FTMO's global site the 1-Step Challenge costs €79 ($10K), €199 ($25K), €319 ($50K), €499 ($100K) and €999 ($200K); the 2-Step costs €89, €250, €345, €540 and €1,080. US traders pay in dollars via ftmo.oanda.com. ForRealFunding starts at $9.99 upfront with Pay After Pass on any size up to $500K.

What are the FTMO 1-Step Challenge rules?

A 10% profit target, a 3% daily loss limit, a 10% maximum loss that trails your highest end-of-day balance, and a best-day rule (no single day above 50% of total profit). There's no minimum trading days or time limit, the split is 90% from the first reward, and the fee is not refunded. ForRealFunding's 1-Step uses a static 4% daily / 8% max drawdown.

What are FTMO's main trading rules?

On the 2-Step: a 10% then 5% target, a 5% daily loss (measured from your balance at midnight CE(S)T) and a static 10% maximum loss, with 4 minimum trading days per phase. On Standard funded accounts you can't trade 2 minutes either side of selected news or hold over the weekend; the Swing account allows both at lower leverage.

How do FTMO payouts work?

You can request your first reward from day 14 after your first trade, then on any day after that; FTMO reviews requests in 1–2 business days. ForRealFunding's first payout comes 30 days after your first trade, then every 14 days, with approved payouts processed within 24 working hours or $1,500 compensation.

Does FTMO refund the challenge fee?

Only on the 2-Step, and only with your first reward — the 1-Step fee is never refunded. ForRealFunding refunds the fee alongside a payout on every model: the 3rd on 1-Step and 2-Step, the 4th on Pay After Pass and the 5th on Instant Funding.

Can traders in the US or India use FTMO?

US traders can, through FTMO's OANDA partnership (ftmo.oanda.com), on MT5 and TradingView only. India is not on FTMO's restricted list; FTMO accepts cards, PayPal, Skrill, crypto and bank transfer but lists no India-specific method such as UPI.

Does FTMO actually have more trader reviews than ForRealFunding?

Yes, substantially more. FTMO has over 53,000 Trustpilot reviews built up over its longer time in the market. ForRealFunding is a newer brand and doesn't yet have that independent review history — worth factoring in if track record matters to you.

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