FTMO Review 2026: Is The Original Prop Firm Still Worth It?

FTMO has run its two-step evaluation model since 2015 and remains the largest prop firm in the world by volume of paid traders. The model is straightforward: pay an entry fee, hit a 10% profit target in Phase 1 without breaching a 5% daily or 10% overall drawdown, hit a 5% target in Phase 2 under the same drawdowns, then get an FTMO Trader account and split profits.

Pricing in 2026 starts at €89 for a €10,000 account and scales to €1,080 for a €200,000 account. Profit split starts at 80% and rises to 90% after your first payout. Scaling adds 25% to your account balance every four months you meet the criteria, up to a €2,000,000 ceiling.

The rules that actually catch traders are the 4-day minimum on Phase 1, the ban on holding positions over the weekend or through the end-of-day for daily instruments, and the maximum risk parameter that flags trades using more than 200% of the average risk of your other trades. None of these are hidden — they're all in the FTMO Account Agreement — but they're where 90% of failed payouts come from.

Payouts are on-demand from the 14th day of trading. In our tracker the median processing time is under 8 hours via crypto and roughly 1–2 business days via wire. FTMO has paid out over $250 million cumulatively per their public reports, which is the strongest track record in the industry.

Where FTMO loses in 2026 is price and flexibility. FundedNext, Alpha Capital, and Goat Funded are 30–50% cheaper on comparable account sizes, and firms like FundedNext allow weekend holding. If you're a day trader who values a proven counterparty, FTMO is still the safest choice. If you're price-sensitive or a swing trader, keep reading.

Verdict: still the benchmark, but no longer the automatic answer. Best for day traders who want zero drama on payouts.