P
Loading
Fill88 vs FTMO
The Ultimate Head-to-Head Showdown
Fill88
4
- Up to 90% profit splits, with Spark accounts doubling at every 10% gain — scaling to $1.28M
- Instant capital with Spark: zero evaluation phase, zero daily drawdown limit, zero consistency rules
- Choose RAW Spread or Commission-Free execution at the same challenge price
At a Glance
4.0 / 5.0
Trader Satisfaction
4.8 / 5.0
8090%
Profit Split
90%
$0.1M
Max Allocation
$2.0M
$39
Challenge Fee (Starting)
$89
Key Differences
1
Trust Score: FTMO leads with a 4.8/5 TrustPilot rating (51,151 reviews) vs Fill88's 4/5 (45 reviews).
2
Entry Cost: Fill88 starts at $39 — 56% cheaper than FTMO's €79.
3
Profit Split: Fill88 offers up to 80% to 90%%, keeping more money in your pocket compared to FTMO's Up to 90%%.
4
Drawdown Mechanics: Fill88 uses static (10%) while FTMO uses static equity-based (10%). Static/balance-based drawdowns are generally considered safer.
5
Daily Loss Limit: FTMO allows a 5% daily loss vs Fill88's 4% — more room for volatile trading sessions.
6
Trading Platforms: Fill88 uniquely offers MetaTrader 5. FTMO uniquely offers cTrader, DXtrade, MT4, MT5.
7
Maximum Capital: FTMO scales up to $2,000,000, 20x more than Fill88's $100,000.
Deep Dive: Rules & Policies
News Trading: Fill88: Permitted during challenge/evaluation phases on Launch, Ascend, and Summit. Not permitted on funded accounts or Spark accounts. Trades within 4 minutes of major news events are restricted.. FTMO: Allowed (Swing + Evaluation). Restricted 2m before/after high-impact (Standard Funded).. Both firms have nuanced news trading policies — always check the specific rules for your account type before placing trades around major announcements.
Algorithmic Trading (EAs): Both firms permit EAs with conditions. Fill88: Not explicitly prohibited but subject to fair execution policies. Martingale is banned on Spark accounts.. FTMO: Own EAs only. Third-party EAs strictly prohibited.. Always verify that your specific EA complies with the firm's terms of service.
Commission Structure: Fill88 charges Commission-free accounts: $0. RAW spread accounts: FX $5, Metals $5, Commodities $2, Crypto $1 per round turn.. FTMO charges FX: $5/lot. Metals: 0.0014%/vol. Indices/Energy: $0. Crypto: 0.065%/vol. Stocks: 0.004%/vol.. Lower commissions compound into significant savings over hundreds of trades — especially for high-frequency scalpers.
Consistency Rule: Both firms enforce consistency rules but with different thresholds. Fill88: Best trading day must not exceed 40% of total profit when requesting a payout. Applies to Launch, Ascend, and Summit funded accounts.. FTMO: 1-Step: Best day ≤50% of total profit. 2-Step: None.. Understand these limits before you trade — exceeding them can invalidate your evaluation.
Forex Leverage: FTMO offers 1:100 FX leverage — significantly higher than Fill88's Up to 1:100. Higher leverage amplifies both profits and losses. Aggressive scalpers benefit from higher leverage, while conservative swing traders may prefer the forced risk management of lower leverage.
Tradable Instruments: Fill88 uniquely offers Commodities trading. FTMO uniquely offers CFD, Energy, Stocks trading. If you trade specific asset classes, make sure your firm supports them before purchasing.
Payout Processing: Fill88 processes payouts in Spark: 14 days (first), then every 7 days. Launch, Ascend & Summit: On-Demand, while FTMO takes 1–2 business days (average 8 hours after invoice confirmation). Faster payouts mean quicker access to your hard-earned profits — an important factor for full-time traders who depend on this income.
Scaling Potential: Fill88 scales up to $1,280,000 (Spark scaling) (requiring 10% profit to scale (Spark Instant doubles account at every +10% milestone) profit per tier), while FTMO caps at $2,000,000 (requiring 10% net profit over 4 months (at least 2 of 4 months profitable) per tier). If your long-term goal is managing large capital, the firm with the higher ceiling offers more growth runway.
Inactivity Policy: Fill88: No specific inactivity timeout published. No maximum time limit to complete challenges.. FTMO: 30 days (or freeze account 7 days to 6 months).. Be mindful of these policies — an inactive account can be terminated, and you would forfeit your challenge fee and any unrealized progress.
Active Discount Codes: Fill88: Use code "" for a discount. FTMO: Use code "CIRCLE" for Best Deals. These codes can significantly reduce your upfront investment — always check for active promotions before purchasing.
Who Should Choose Which?
Budget-Conscious Traders
→ Fill88
Starting at just $39, Fill88 offers the lowest barrier to entry — ideal if you want to test the waters without risking a large upfront fee.
Visit Fill88Safety-First Traders
→ FTMO
With a 4.8/5 TrustPilot rating and 51,151 verified reviews, FTMO offers the strongest track record and payout reliability.
Visit FTMOProfit Maximizers
→ Fill88
Fill88's 80% to 90%% profit split means you keep more of every dollar you earn — the difference compounds significantly over time.
Visit Fill88Capital Scaling Traders
→ FTMO
FTMO scales up to $2,000,000 — giving you the highest possible ceiling for growing your funded capital over time.
Visit FTMOThe Final Verdict
Our expert conclusion based on the data
When choosing between Fill88 and FTMO in 2026, the decision comes down to what matters most to you as a trader. FTMO holds a TrustPilot rating of 4.8/5 across 51,151 reviews, while Fill88 sits at 4/5 with 45 reviews. Both firms are legitimate and pay traders, but they serve fundamentally different trader profiles.
On pricing, Fill88 offers a significantly lower barrier to entry at $39 compared to FTMO's €79 — that's roughly 56% cheaper. However, cheaper doesn't always mean better value. You need to weigh this against the profit split, drawdown rules, and payout reliability.
A critical difference lies in their drawdown mechanics. Fill88 uses a static drawdown at 10%, while FTMO uses a static equity-based drawdown at 10%. Fill88's static drawdown means your loss limit is locked to your initial balance and never trails upward — this is mathematically safer and easier to manage, especially for swing traders who hold positions overnight.
Our Recommendation: If your priority is trust and track record, go with FTMO. If your priority is affordability, Fill88 is the better entry point. For maximum earnings per trade, Fill88 wins with a 80% to 90%% profit split.
Frequently Asked Questions
Is Fill88 better than FTMO in 2026?+
It depends on your priorities. FTMO has a stronger reputation with a 4.8/5 TrustPilot score. However, Fill88 is more affordable at $39. For most traders, FTMO is the safer choice, but Fill88 offers better value for those on a tight budget.
Which is cheaper, Fill88 or FTMO?+
Fill88 is the more affordable option, with challenges starting at $39 compared to FTMO's €79.
What is the profit split at Fill88 vs FTMO?+
Fill88 offers up to 80% to 90%% profit split, while FTMO offers up to Up to 90%%. Fill88 lets you keep more of your earnings.
What type of drawdown do Fill88 and FTMO use?+
Fill88 uses a static drawdown (10%), while FTMO uses a static equity-based drawdown (10%). Static and balance-based drawdowns are generally considered easier to manage than trailing drawdowns because they don't chase your equity high watermark.
Can I use Expert Advisors (EAs) with Fill88 and FTMO?+
Fill88: Not explicitly prohibited but subject to fair execution policies. Martingale is banned on Spark accounts.. FTMO: Own EAs only. Third-party EAs strictly prohibited.. Always verify your specific EA is compliant before purchasing a challenge.
What trading platforms do Fill88 and FTMO support?+
Fill88 supports MetaTrader 5. FTMO supports cTrader, DXtrade, MT4, MT5. Both offer professional-grade execution suitable for serious traders.
Which firm has better payout speeds, Fill88 or FTMO?+
Both firms process payouts reliably. Fill88 pays via Crypto (direct). FTMO pays via Bank Transfer, Crypto, Mastercard, Skrill, Visa Direct. Check each firm's payout schedule for the most up-to-date processing times.