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Fill88 vs FTMO
The Ultimate Head-to-Head Showdown
⚡ Quick Comparison Verdict
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.
Fill88
4
- Bis zu 90% Gewinnbeteiligung; Spark-Konten verdoppeln sich bei jedem 10%-Gewinn — Skalierung bis 1,28M$
- Sofortiges Kapital mit Spark: keine Bewertungsphase, kein tägliches Verlustlimit, keine Konsistenzregeln
- Wahl zwischen RAW-Spread- oder kommissionsfreier Ausführung zum gleichen Challenge-Preis
FUTURES
FTMO
4.8
- Vertrauenswürdig seit 2015
- OANDA-Übernahme
- Instant, 1-Schritt & 2-Schritt
At a Glance
FUTURES
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
Earnings Calculator
Monthly return (%)8%
Estimated Monthly Earnings
$6,400
Based on 100K account • 80% payout
FUTURES
Estimated Monthly Earnings
$6,400
Based on 100K account • 80% payout
Head-to-head Breakdown
Fill88
FUTURES
FTMO
Challenge Fee
$439Best
€540
Account Size
100,000
100,000
Profit Split
80%
80%
Profit Target
8% | 5%Best
10% | 5%
Daily Loss
4%
5%Best
Max Loss
10%
10%
Drawdown Type
static
static
Payout Frequency
On-Demand
14 days from first trade
Fine-Print Verification Matrix
Hidden Rules & Contract Clauses
Comparing unadvertised contract terms, trailing mechanics, news buffers, and payout hurdles extracted from official Terms of Service.
Fine-Print Term
Core Trading Clauses
Fill88
4 Verified Rules
FUTURES
FTMO
15 Verified Rules
News Trading Policy & Execution Buffers
Buffer windows before and after red-folder economic events, straddle restrictions, and execution slippage policies.
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.
FUTURES
Allowed (Swing + Evaluation). Restricted 2m before/after high-impact (Standard Funded).
Weekend & Overnight Holding
Whether swing positions may be held across Friday market close, or if automated liquidations apply.
Allowed during challenge phases for Launch, Ascend, and Summit. Not allowed on funded accounts or Spark accounts. All positions must be closed before Friday market close.
FUTURES
Allowed (Swing). Prohibited for Standard Funded accounts.
Drawdown Trailing & Loss Mechanics
Static balance-based vs End-of-Day (EOD) vs high-risk intraday open-equity trailing traps.
Summit and Launch use 10% static drawdown. Ascend uses 6% trailing drawdown (trails highest closed balance). Spark uses Smart Drawdown: starts at 10%, locks to 5% after achieving 5% profit.
FUTURES
10%.
Inactivity Rules & Account Expiry
Maximum allowable dormancy duration before account breach or administrative archiving.
No specific inactivity timeout published. No maximum time limit to complete challenges.
FUTURES
30 days (or freeze account 7 days to 6 months).
Consistency Clauses & Profit Caps
Single-day profit caps (e.g. 30%-50% rule), lot-size variation brackets, and contract ladders.
Best trading day must not exceed 40% of total profit when requesting a payout. Applies to Launch, Ascend, and Summit funded accounts.
FUTURES
1-Step: Best day ≤50% of total profit. 2-Step: None.
Payout Hurdles & Safety Buffers
Minimum qualifying profitable days, profit floor requirements, and mandatory buffer reserves.
Spark: 14 Tage (erste), danach alle 7 Tage. Launch, Ascend & Summit: On-Demand
FUTURES
1–2 Werktage (durchschnittlich 8 Stunden nach Rechnungsbestätigung)
Verified Fine-Print Disclosures from Official Documentation
Exact contract stipulations, drawdown formulas, and account closure triggers.
40% Payout Consistency Rule (Launch, Ascend & Summit)
🟠 High RiskWhen requesting a payout on Launch, Ascend, or Summit funded accounts, your best trading day cannot exceed 40% of total profit.
Source: Fill88 Official Rules
1.5%–3% Risk Cap Per Trade Idea
🟠 High RiskMaximum risk per trade idea is capped at 1.5% on Ascend/Summit $50K+, 2% on standard accounts, and 3% on Spark $500. Reopening the same direction within 10 minutes counts as the same trade idea.
Source: Fill88 Risk Management Policy
Funded News (±4 Min) & Weekend Holding Restrictions
🟠 High RiskWhile allowed during evaluation phases, funded and Spark accounts prohibit trading within 4 minutes of major news events and require closing all positions before Friday market close.
Source: Fill88 Funded Account Terms
FUTURES
FTMO Instant: Day-One Rewards & No Evaluation Phase
🔵 InformationalThe FTMO Instant Account bypasses Phase 1 and Phase 2 evaluation challenges entirely. Every trade closed within the risk parameters accumulates towards withdrawable rewards from Day 1 on a 90% reward ratio.
Source: FTMO Instant Account Terms
FTMO Instant: 30% Windfall / Consistency Rule
🟠 High RiskOn the Instant Account, your single highest profitable trading day cannot represent more than 30% of your total closed accumulated profit at the time of payout request. Exceeding 30% is not a rule breach, but payouts are withheld until subsequent trading days dilute the best day to 30% or less.
Source: FTMO Instant Account Specifications
FTMO Instant: Strict 3% Daily Loss Limit
🔴 Critical RuleWhile standard 2-step FTMO challenges allow a 5% daily loss, FTMO Instant enforces a tighter 3% maximum daily loss limit based on 00:00 CE(S)T start-of-day equity. Breaching this intraday equity threshold immediately terminates the account.
Source: FTMO Instant Account Specifications
Looking for granular policy breakdowns? Explore the official rule dossiers:
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 Bis zu 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 Tage (erste), danach alle 7 Tage. Launch, Ascend & Summit: On-Demand, while FTMO takes 1–2 Werktage (durchschnittlich 8 Stunden nach Rechnungsbestätigung). 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 Skalierung) (requiring 10 % Gewinn zur Skalierung (Spark Instant verdoppelt das Konto bei jedem +10 % Meilenstein) profit per tier), while FTMO caps at 2.000.000 $ (requiring 10 % Nettogewinn über 4 Monate (mindestens 2 der 4 Monate profitabel) 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 Bis zu 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 Überweisung, Krypto, Mastercard, Skrill, Visa Direct. Check each firm's payout schedule for the most up-to-date processing times.
Comprehensive Firm Dossiers
Fill88 In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.
FTMO In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.