COMPARISON 2026
vs
Instant Funding vs FTMO
Detailed side-by-side comparison to help you choose the right prop trading firm.
Overall Winner: FTMO
Quick Overview
Instant Funding
Established 2021·United Arab Emirates
DynamiqScore4.4/5.0
Profit Split
60–95%
Evaluation Fee
$189+
Payout Frequency
weekly
Payout Speed
24–48 hours
FTMO
Established 2015·Czech Republic
DynamiqScore4.5/5.0
Profit Split
80–90%
Evaluation Fee
$79+
Payout Frequency
bi-weekly
Payout Speed
1 day(s)
Detailed Comparison
| Instant Funding | FTMO | |
|---|---|---|
| Starting Capital | $625 – $300,000 | $10 000 – $200 000 |
| Max Capital | $1,280,000 | $400 000 |
| Profit Split | 60% – 95%Winner | 80% – 90% |
| Evaluation Fee | $189 – $1399 | $79 – $1080Winner |
| Payout Frequency | weekly | bi-weekly |
| Payout Speed | 24–48 hours | 1 day(s) |
| Commission | $5/lot (Forex) | $3/lot (Forex) |
| Established | 2021 | 2015 |
| Country | United Arab Emirates | Czech Republic |
Challenge Rules
| Instant Funding | FTMO | |
|---|---|---|
| Daily Loss Limit | 5% | 5% |
| Phase 1 Profit Target | 10% | 10% |
| Phase 1 Max Drawdown | 10% | 10% |
| Phase 1 Time Limit | No limit | No limit |
| Phase 2 Profit Target | 5% | 5% |
| Phase 2 Max Drawdown | 10% | 10% |
| Phase 2 Time Limit | No limit | No limit |
| Min Trading Days | 4 | 4 |
Pricing & Account Options
Instant Funding
$2,500
Instant
$225
$5,000
Instant
$295
$10,000
Instant
$495
Popular$20,000
Instant
$895
$40,000
Instant
$1695
FTMO
$10,000
Normal
€89
$25,000
Standard
€250
$50,000
Advanced
€345
Popular$100,000
Professional
€540
$200,000
Elite
€1080
Ratings & Trust
| Instant Funding | FTMO | |
|---|---|---|
| DynamiqScore | 4.4 / 5.0 | 4.5 / 5.0Winner |
| Expert Score | 4.5 (1 reviews) | 4.6 (1 reviews)Winner |
| User Score | 4.3 (2 reviews) | 4.3 (2 reviews)Winner |
| Trustpilot Rating | 4.4 / 5.0 | 4.8 / 5.0Winner |
Features & Platforms
| Instant Funding | FTMO | |
|---|---|---|
| Trading Platforms | MetaTrader 5, cTrader, Match-Trader | MetaTrader 4, MetaTrader 5, cTrader, DXtrade |
| Instruments | Forex, Indices, Commodities, Crypto | Forex, Indices, Commodities, Stocks, Crypto |
| Scaling Available | Yes | Yes |
| Max Scaling Amount | $1 280 000 | $400 000 |
Instant Funding — Unique Features
- No evaluation required (Instant Funding)
- Scale up to $1.28M
- Weekly payouts on Instant accounts
- 99.76% platform uptime
- 33-second average support response
- Support in 14 languages
- 8 industry awards
- $17.26M+ paid out since 2023
- IF Plus loyalty program
- On-chain payout verification
Key Selling Points
- No evaluation required with Instant Funding accounts
- Scale up to $1.28M (account doubles at 10% profit)
- Weekly payouts on Instant accounts
- 99.76% platform uptime
- 33-second average support response time
- Support in 14 languages
- 8 industry awards
- $17.26M+ paid out since 2023
- IF Plus loyalty program with up to 50% savings
- On-chain payout verification
FTMO — Unique Features
- Up to 90% profit split
- Unlimited trading period
- 100% fee refund with first payout
- 4 trading platforms (MT4, MT5, cTrader, DXtrade)
- Free Trial available
- Scaling Plan to $400,000
- Premium Programme for top performers
- 1-Step Challenge option
Key Selling Points
- Up to 90% profit split
- Unlimited trading period
- 100% fee refund with first payout
- 4 trading platforms available (MT4, MT5, cTrader, DXtrade)
- Free Trial available
- Scaling Plan to $400,000
- Premium Programme for top performers
- NEW: 1-Step Challenge option
Our Verdict
FTMO wins in 3 of 9 categories
FTMO has an edge over Instant Funding, based on our data-driven analysis across multiple comparison criteria.
Related Comparisons
Frequently Asked Questions
Which firm has better profit split?
Instant Funding (95% vs 90%)
Which firm has lower evaluation fees?
FTMO ($79 vs $189)
Which firm has more lenient trading rules?
Instant Funding
Can I have accounts at both firms?
Yes, most traders hold accounts at multiple prop firms simultaneously to diversify and take advantage of each firm's unique benefits.
