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 Kingdom
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 | $3,840,000 | $2,000,000 |
| 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 Kingdom | 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) | 4.4 (3 reviews)Winner |
| Trustpilot Rating | — | 4.8 / 5.0 |
Features & Platforms
| Instant Funding | FTMO | |
|---|---|---|
| Trading Platforms | MetaTrader 5, cTrader, Match-Trader | MetaTrader 4, MetaTrader 5, cTrader |
| Instruments | Forex, Indices, Commodities, Crypto | Forex, Indices, Commodities, Stocks, Crypto |
| Scaling Available | Yes | Yes |
| Max Scaling Amount | $3,840,000 (multi-account) | $2,000,000 |
Instant Funding — Unique Features
- No evaluation required (Instant Funding)
- No daily drawdown on IF accounts
- $18.7M+ paid out since 2023
- Scale up to $3.84M across accounts
- Weekly payouts, withdrawals from $25
- 82,000+ traders in 180+ countries
- 33-second average support response
- Support in 14 languages
- 8 industry awards
- IF Plus loyalty: up to +10% split
Key Selling Points
- No evaluation required with Instant Funding accounts
- No daily drawdown on flagship IF accounts
- $18.7M+ paid out since 2023
- Scale up to $3.84M across accounts (each doubles at 10%)
- Weekly payouts, withdrawals from $25
- 82,000+ traders across 180+ countries
- 33-second average support response time
- Support in 14 languages
- 8 industry awards
- IF Plus loyalty program: up to +10% profit split
FTMO — Unique Features
- Owner of regulated broker OANDA
- Up to 90% profit split
- Unlimited trading period
- 100% fee refund with first payout (2-Step)
- Scaling Plan up to $2,000,000
- MT4, MT5 and cTrader platforms
- Free Trial available
- $500M+ paid to traders
- Prime Programme loyalty rewards
Key Selling Points
- Owner of regulated broker OANDA (acquired December 2025)
- Up to 90% profit split
- Unlimited trading period on all challenges
- 100% fee refund with first payout (2-Step)
- Scaling Plan up to $2,000,000
- MT4, MT5 and cTrader platforms
- Free Trial with unlimited retries
- $500M+ paid to traders since 2015
- Prime Programme loyalty rewards
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.
