Head to head on price, cost to get funded, rules, payouts and trust, read on both firms' own pages. Checked October 31, 2026.
Verdict: FTMO wins 3 of the 5 points the data decides, Instant Funding 2. FTMO leads on cheapest $100k plan, max profit split, rules allowed (of 5). Instant Funding leads on cheapest plan to start, lowest cost to get funded (est.). Points the data cannot decide are left unmarked.
 FTMO |  Instant Funding | |
|---|---|---|
| Market | forex | forex |
| Based in | Czech Republic | Saint Lucia (IF Pro Ltd) |
| Founded | 2015 | n/a |
| Trustpilot | 4.8 (55,531 reviews) | n/a |
| PropTested safety score | 67/100 | n/a |
| Plans on sale | 4 | 7 |
| Cheapest plan to start | $354.95 (FTMO Challenge 1-Step, $50K, converted from EUR 319) | $99 (IF Evolve, $50K) |
| Cheapest $100K plan | $443.97 (converted from EUR 399) | $500 |
| Lowest cost to get funded (est.) | $219 | $103 |
| Max profit split | 90% | 80% |
| Drawdown types | Static, End of day, Trailing balance | Trailing balance, Static, End of day |
| Plans without daily loss limit | 0 of 20 | 12 of 42 |
| Plans without consistency rule | 15 of 20 | 5 of 42 |
| First payout | After 14 days | After 14 days |
| Payout cycle | Reward claim from day 14 after first trade on the account, review 1-2 business days, sent 1-2 business days after invoice approval | By program: on demand, weekly after day 14, or every 14 days |
| Payouts read on chain | none visible | $801,700 |
| Rules allowed (of 5) | 3 | 1 |
| Platforms | MT4, MT5, cTrader, TradingView | MT5, cTrader, Match-Trader |
| Current offer | none | 30% off |
| Checked | 2026-11-05 | 2026-10-31 |
FTMO is a forex prop firm based in Czech Republic, founded in 2015. As of November 5, 2026, PropTested reads 4 plans on its site, from $87.90 one payment (converted from EUR 79; the firm charges in EUR), with a profit split of up to 90%. Drawdown is static or end of day or trailing balance. The first payout can be requested after 14 days. Trustpilot shows 4.8 of 5 from 55,531 reviews. All FTMO plans and rules.
Instant Funding is a forex prop firm based in Saint Lucia (IF Pro Ltd). As of October 31, 2026, PropTested reads 7 plans on its site, from $44 one payment, with a profit split of up to 80%. Drawdown is trailing balance or static or end of day and some plans have no daily loss limit. The first payout can be requested after 14 days. All Instant Funding plans and rules.
Instant Funding has the cheaper entry plan: FTMO starts at $354.95 (FTMO Challenge 1-Step) and Instant Funding at $99 (IF Evolve), checked October 31, 2026. FTMO charges in EUR; its price is converted from EUR 319 at 1.1127, ECB reference rate of November 11, 2026. The cost-to-funded estimate in the table is the better guide, because it counts resets and fees against each plan's pass odds.
Both allow a first payout after the same wait: FTMO after 14 days, Instant Funding after 14 days. Cycles: FTMO Reward claim from day 14 after first trade on the account, review 1-2 business days, sent 1-2 business days after invoice approval; Instant Funding By program: on demand, weekly after day 14, or every 14 days.
FTMO allows 3 of the five trading rules PropTested tracks (news, EAs, copy trading, overnight, weekend) and Instant Funding allows 1. 15 of FTMO's 20 setups have no evaluation consistency rule, against 5 of 42 at Instant Funding.
Trustpilot data is missing for one of the firms.
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