FTMO Launches 'Instant Account': Day-One Rewards, 90% Split, Up to $100K Funded

FTMO has officially expanded its CFD product lineup with the launch of the FTMO Instant Account, introducing a direct-to-reward funded model alongside the legendary 1-Step and 2-Step FTMO Challenges.

With the Instant Account, traders bypass traditional evaluation phases entirely: every trade counts towards a Reward from day one, trading in the exact same institutional simulated environment backed by FTMO.

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What Traders Get with FTMO Instant

• Rewards from Day One: No Phase 1 or Phase 2 evaluation targets to clear. As long as you stay within the loss limits, your trading results accumulate towards real rewards from your first trade.
• 90% Reward Ratio: Industry-leading 90% profit split across all account tiers.
• 10% Max Loss & 3% Max Daily Loss: Generous 10% total drawdown buffer paired with a disciplined 3% daily loss limit.
• Up to 1:100 Leverage: High purchasing power across Forex, Metals, and Indices.
• 30% Consistency Rule: Ensures steady, repeatable risk management rather than high-stakes single-day gambles.
• Unlimited Trading Period: Trade at your own pace without arbitrary calendar deadlines.

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Account Sizes & Pricing

The FTMO Instant Account is available in five capital tiers (non-refundable one-time fee):

| Account Size | Max Loss (10%) | Max Daily Loss (3%) | Reward Ratio | Leverage | One-Time Fee |

| :--- | :--- | :--- | :--- | :--- | :--- |

| $5,000 | $500 | $150 | 90% | Up to 1:100 | €169 |

| $10,000 | $1,000 | $300 | 90% | Up to 1:100 | €339 |

| $25,000 | $2,500 | $750 | 90% | Up to 1:100 | €749 |

| $50,000 | $5,000 | $1,500 | 90% | Up to 1:100 | €1,499 |

| $100,000 | $10,000 | $3,000 | 90% | Up to 1:100 | €2,999 |

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Available Globally and for US Traders

The Instant Account is available globally at [FTMO](https://ftmo.com/en/instant-account/) and for US residents via [FTMO US (OANDA)](https://ftmo.oanda.com/instant-account/).

Our Take

This is a seismic shift for the prop trading industry. For nearly a decade, FTMO refused to offer instant funding, criticizing the model's sustainability at lesser firms. By introducing their own Instant Account with realistic risk parameters (10% max loss, 3% daily loss, 30% consistency) backed by their $625M institutional lending facility and OANDA infrastructure, FTMO has set a brand new benchmark for instant funded trading in 2026.