FTMO vs Instant Funding: prices and rules compared
A side-by-side comparison built from the challenges we record for both firms. Values marked in green are the better of the two on that line.
In numbers
- Cheaper entryInstant Funding
- Higher max profit splitFTMO
- Faster payoutInstant Funding
- More max-loss roomSame for both
| FTMO | Instant Funding | |
|---|---|---|
| Starts from | $90 · $10K | $44 · $625 |
| Price after discount | $90 | $39.60 |
| Discount code | None | AFF8989 (10%) |
| Programs | Instant, 1-step, 2-step | Instant, 1-step |
| Account sizes | $5K – $200K | $625 – $120K |
| Profit split | 80% – 90% | 80% |
| Drawdown | Static | Static or trailing, by program |
| Max loss | 10% | 6% – 10% |
| News trading | Allowed | In some programs |
| Weekend holding | Not allowed | In some programs |
| EAs allowed | Allowed | Allowed |
| Fastest payout | every 14 days | every 1 days |
| Platforms | MT4 · MT5 · cTrader | MT5 · cTrader · Match-Trader |
| Founded | 2015 | 2021 |
| Last updated | 11 November 2026 | 10 November 2026 |
Same account size, same number of steps
The cheapest challenge from each firm at each size (price after discount).
| Account size | FTMO | Instant Funding |
|---|---|---|
| $5K Instant | $193 · 90% · 10% | $53.10 · 80% · 6% |
| $10K Instant | $386 · 90% · 10% | $89.10 · 80% · 6% |
| $10K 1 step | $90 · 90% · 10% | $90 · 80% · 6% |
| $25K Instant | $854 · 90% · 10% | $173.70 · 80% · 6% |
| $25K 1 step | $227 · 90% · 10% | $166.50 · 80% · 6% |
| $50K Instant | $1,709 · 90% · 10% | $306.90 · 80% · 6% |
| $50K 1 step | $364 · 90% · 10% | $255.60 · 80% · 6% |
| $100K Instant | $3,419 · 90% · 10% | $731.70 · 80% · 6% |
| $100K 1 step | $569 · 90% · 10% | $450 · 80% · 6% |
Price · Profit split · Max loss
The code is applied at checkout on the firm's website. Check the offer terms before paying.
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