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FTMO vs FXIFY
The Ultimate Head-to-Head Showdown
⚡ Quick Comparison Verdict
When choosing between FTMO and FXIFY 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 FXIFY sits at 4.6/5 with 3,218 reviews. Both firms are legitimate and pay traders, but they serve fundamentally different trader profiles.
FUTURES
FTMO
4.8
- 2015'ten Beri Güvenilir
- OANDA Satın Alımı
- Instant, 1-Step & 2-Step
FXIFY
4.6
- 1 kârlı işlem gününden sonra 1. Günde İlk Ödeme On-Demand (FPOD)
- %125 değerlendirme ücreti iadesi (%100 tam iade + %25 nakit bonus)
- 1 ve 2 adımlı değerlendirmelerde minimum işlem günü şartı yok
FUTURES
At a Glance
4.8 / 5.0
Trader Satisfaction
4.6 / 5.0
90%
Profit Split
758090%
$2.0M
Max Allocation
$0.4M
$89
Challenge Fee (Starting)
$19
Earnings Calculator
Monthly return (%)8%
FUTURES
Estimated Monthly Earnings
$6,400
Based on 100K account • 80% payout
Estimated Monthly Earnings
$6,000
Based on 100K account • 75%–80% (upgradable to 90%) payout
Head-to-head Breakdown
FUTURES
FTMO
FXIFY
Challenge Fee
€540Best
$549
Account Size
100,000
100,000
Profit Split
80%
75%–80% (upgradable to 90%)Best
Profit Target
10% | 5%
5% | 10%Best
Daily Loss
5%Best
4%
Max Loss
10%
10%
Drawdown Type
static
static
Payout Frequency
14 days from first trade
First Payout On-Demand (Day 1) / Bi-weekly
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
FUTURES
FTMO
15 Verified Rules
FXIFY
8 Verified Rules
News Trading Policy & Execution Buffers
Buffer windows before and after red-folder economic events, straddle restrictions, and execution slippage policies.
FUTURES
Allowed (Swing + Evaluation). Restricted 2m before/after high-impact (Standard Funded).
Allowed (Standard). Restricted (Instant).
Weekend & Overnight Holding
Whether swing positions may be held across Friday market close, or if automated liquidations apply.
FUTURES
Allowed (Swing). Prohibited for Standard Funded accounts.
Allowed.
Drawdown Trailing & Loss Mechanics
Static balance-based vs End-of-Day (EOD) vs high-risk intraday open-equity trailing traps.
FUTURES
10%.
10%.
Inactivity Rules & Account Expiry
Maximum allowable dormancy duration before account breach or administrative archiving.
FUTURES
30 days (or freeze account 7 days to 6 months).
60 days.
Consistency Clauses & Profit Caps
Single-day profit caps (e.g. 30%-50% rule), lot-size variation brackets, and contract ladders.
FUTURES
1-Step: Best day ≤50% of total profit. 2-Step: None.
25% Rule (2-Step Classic).
Payout Hurdles & Safety Buffers
Minimum qualifying profitable days, profit floor requirements, and mandatory buffer reserves.
FUTURES
1–2 iş günü (fatura onayından sonra ortalama 8 saat)
Riseworks, Kripto veya Banka Havalesi ile 24–48 saat
Verified Fine-Print Disclosures from Official Documentation
Exact contract stipulations, drawdown formulas, and account closure triggers.
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
First Payout On-Demand (FPOD) from Day 1
🔵 InformationalOn eligible evaluation programs, FXIFY offers First Payout On-Demand (FPOD). Funded traders can request their very first withdrawal on Day 1 immediately after closing one profitable trading day, bypassing traditional 14-day or 30-day waiting periods.
Source: FXIFY Terms of Service 2026
125% Refundable Fee Add-On Terms
🔵 Informational100% of the evaluation fee is refunded on the first withdrawal. By selecting the checkout upgrade add-on, traders receive a 125% refund (full fee returned plus an extra 25% cash bonus added to the payout).
Source: FXIFY Checkout Customizer
Lot Size Consistency & Sizing Variance Limits
🟠 High RiskFunded traders must maintain reasonable lot sizing consistency across trades. Extreme position sizing anomalies (e.g. executing 10x normal lot sizes on a single trade) trigger compliance reviews and potential payout delays.
Source: FXIFY Risk Guidelines
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 FXIFY's 4.6/5 (3,218 reviews).
2
Entry Cost: FXIFY starts at $19 — 79% cheaper than FTMO's €79.
3
Profit Split: FXIFY offers up to 75%–80% (upgradable to 90%)%, keeping more money in your pocket compared to FTMO's Up to 90%%.
4
Drawdown Mechanics: FTMO uses static equity-based (10%) while FXIFY uses static (10%). Static/balance-based drawdowns are generally considered safer.
5
Evaluation Path: FTMO uses a 1-Step, 2-Step, Instant evaluation model, while FXIFY offers a 1-Step path. Fewer steps generally means faster access to funded capital.
6
Daily Loss Limit: FTMO allows a 5% daily loss vs FXIFY's 4% — more room for volatile trading sessions.
7
Trading Platforms: FTMO uniquely offers cTrader. FXIFY uniquely offers TradingView.
8
Maximum Capital: FTMO scales up to $2,000,000, 5x more than FXIFY's $400,000.
Deep Dive: Rules & Policies
News Trading: FTMO: Allowed (Swing + Evaluation). Restricted 2m before/after high-impact (Standard Funded).. FXIFY: Allowed (Standard). Restricted (Instant).. 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): FXIFY allows EAs, making it the better choice for algo traders. FTMO has tighter restrictions: Own EAs only. Third-party EAs strictly prohibited.. Make sure your trading bot complies before purchasing.
Commission Structure: FTMO charges FX: $5/lot. Metals: 0.0014%/vol. Indices/Energy: $0. Crypto: 0.065%/vol. Stocks: 0.004%/vol.. FXIFY charges FX: $6/lot (Raw).. 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. FTMO: 1-Step: Best day ≤50% of total profit. 2-Step: None.. FXIFY: 25% Rule (2-Step Classic).. Understand these limits before you trade — exceeding them can invalidate your evaluation.
Forex Leverage: FTMO offers 1:100 FX leverage — significantly higher than FXIFY's 1:30. 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: FTMO uniquely offers Energy, Crypto trading. FXIFY uniquely offers Commodities trading. If you trade specific asset classes, make sure your firm supports them before purchasing.
Payout Processing: FTMO processes payouts in 1–2 iş günü (fatura onayından sonra ortalama 8 saat), while FXIFY takes Riseworks, Kripto veya Banka Havalesi ile 24–48 saat. Faster payouts mean quicker access to your hard-earned profits — an important factor for full-time traders who depend on this income.
Scaling Potential: FTMO scales up to 2.000.000 $ (requiring 4 ayda %10 net kâr (4 ayın en az 2'sinde kârlı olma şartıyla) profit per tier), while FXIFY caps at 400.000 $ başlangıç (4.000.000 $'a kadar ölçeklenir) (requiring 3 ayda %10 net kâr (en az 2 kârlı ay olması şartıyla) per tier). If your long-term goal is managing large capital, the firm with the higher ceiling offers more growth runway.
Inactivity Policy: FTMO: 30 days (or freeze account 7 days to 6 months).. FXIFY: 60 days.. 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: FTMO: Use code "CIRCLE" for Best Deals. FXIFY: Use code "CIRCLE" for 33%. These codes can significantly reduce your upfront investment — always check for active promotions before purchasing.
Who Should Choose Which?
Budget-Conscious Traders
→ FXIFY
Starting at just $19, FXIFY offers the lowest barrier to entry — ideal if you want to test the waters without risking a large upfront fee.
Visit FXIFYSafety-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 FTMOHigh-Frequency Scalpers
→ FTMO
FTMO offers zero-commission trading on select instruments, saving scalpers significant costs over hundreds of daily trades.
Visit FTMOProfit Maximizers
→ FXIFY
FXIFY's 75%–80% (upgradable to 90%)% profit split means you keep more of every dollar you earn — the difference compounds significantly over time.
Visit FXIFYAlgorithmic Traders
→ FXIFY
FXIFY has more permissive EA/bot policies, making it the better fit if you run automated trading systems.
Visit FXIFYCapital 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 FTMO and FXIFY 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 FXIFY sits at 4.6/5 with 3,218 reviews. Both firms are legitimate and pay traders, but they serve fundamentally different trader profiles.
On pricing, FXIFY offers a significantly lower barrier to entry at $19 compared to FTMO's €79 — that's roughly 79% 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. FTMO uses a static equity-based drawdown at 10%, while FXIFY uses a static drawdown at 10%. FTMO'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, FXIFY is the better entry point. For maximum earnings per trade, FXIFY wins with a 75%–80% (upgradable to 90%)% profit split.
Frequently Asked Questions
Is FTMO better than FXIFY in 2026?+
It depends on your priorities. FTMO has a stronger reputation with a 4.8/5 TrustPilot score. However, FXIFY is more affordable at $19. For most traders, FTMO is the safer choice, but FXIFY offers better value for those on a tight budget.
Which is cheaper, FTMO or FXIFY?+
FXIFY is the more affordable option, with challenges starting at $19 compared to FTMO's €79. You can save even more with the discount code "CIRCLE".
What is the profit split at FTMO vs FXIFY?+
FTMO offers up to Up to 90%% profit split, while FXIFY offers up to 75%–80% (upgradable to 90%)%. FXIFY lets you keep more of your earnings.
What type of drawdown do FTMO and FXIFY use?+
FTMO uses a static equity-based drawdown (10%), while FXIFY uses a static 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.
How many evaluation steps does FTMO require vs FXIFY?+
FTMO uses a 1-Step, 2-Step, Instant evaluation model, while FXIFY uses a 1-Step model. Fewer steps generally means faster access to live funded capital.
Can I use Expert Advisors (EAs) with FTMO and FXIFY?+
FTMO: Own EAs only. Third-party EAs strictly prohibited.. FXIFY: Allowed.. Always verify your specific EA is compliant before purchasing a challenge.
What trading platforms do FTMO and FXIFY support?+
FTMO supports cTrader, DXtrade, MT4, MT5. FXIFY supports DXtrade, MT4, MT5, TradingView. Both offer professional-grade execution suitable for serious traders.
Which firm has better payout speeds, FTMO or FXIFY?+
Both firms process payouts reliably. FTMO pays via Bank Transfer, Crypto, Mastercard, Skrill. FXIFY pays via Bank Transfer, Crypto, Riseworks. Check each firm's payout schedule for the most up-to-date processing times.
Comprehensive Firm Dossiers
FTMO In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.
FXIFY In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.