Simulated CFD prop challenges in 1-Step and 2-Step formats, plus monthly futures evaluations
Checked 8 October 2026
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FTMO sells two evaluation products for CFD trading: the FTMO Challenge: 1-Step and the FTMO Challenge: 2-Step. It also runs FTMO Futures, with two monthly-subscription evaluations called Growth and Pro. All accounts are demo accounts with fictitious funds; traders who pass and trade an FTMO Account can earn rewards paid in real money. The homepage pricing table offers account sizes from $10,000 to $200,000 for a one-time fee. The 1-Step pays a 90% reward split from the start; the 2-Step starts at 80% and can rise to 90%.
FTMO's site says it has operated "since 2015" and shows "$650M+ Paid in rewards" and "4.5M+ Customers worldwide". These are the firm's own figures, which we have not verified. The firm's footer states that FTMO only provides simulated trading and educational tools, and that FTMO companies do not act as a broker or accept deposits.
Everything in this review comes from FTMO's own web pages, saved on 7–8 October 2026. Rules and prices change, so check the firm's site before you buy.
| Highest profit split | Up to 90% 1 Firm's wording: “FTMO Challenge: 1-Step: You receive 90% of the profit.” |
|---|---|
| Account types | 1-Step evaluation, 2-Step evaluation 12 |
| Markets | Forex, Futures, Crypto, Stocks, Indices, Commodities, Metals 123 |
| Platforms | MetaTrader 4, MetaTrader 5, TradingView, cTrader 1 |
| Allowed / offered on at least one account type |
Rules can differ between account types — check the linked page for the account you want. |
| Restricted countries named | Afghanistan, Anguilla, Antarctica, Antigua and Barbuda, Belarus, Belize, Bhutan, Bouvet Island, Burundi, Cape Verde, Central African Republic, Chad, Comoros, Congo, Cook Islands, Cuba, Djibouti, Dominica, Equatorial Guinea, Eritrea, Eswatini, Fiji, Gabon, Gambia, Grenada, Guinea, Guinea-Bissau, Indonesia, Iran, Iraq, Kazakhstan, Kiribati, Kosovo, Kyrgyzstan, Lesotho, Liberia, Malawi, Mali, Marshall Islands, Mauritania, Micronesia, Myanmar, Nauru, Niger, Niue, North Korea, Papua New Guinea, Russia, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Seychelles, Sierra Leone, Solomon Islands, Somalia, South Sudan, Sudan, Suriname, Syria, Tajikistan, Timor-Leste, Tokelau, Tonga, Turkmenistan, Tuvalu, Uzbekistan, Vanuatu, Vatican City, Venezuela, Western Sahara 1 Countries the firm names. Its list may also refer to sanctions lists or other countries — check the linked page. |
The FTMO Challenge: 1-Step has a single evaluation phase. The FTMO Challenge: 2-Step has two phases, the FTMO Challenge and the Verification. After passing and a review, you complete identity checks (FTMO Identity) and sign the FTMO Account Agreement before you may be given an FTMO Account.
Fees and refunds. The challenge fee is one-time, with no recurring fees. For the 2-Step, the fee covers both phases and is refunded with your first Reward withdrawal. For the 1-Step, the fee is not refunded.
The pricing table on the homepage we saved was showing the 2-Step. Fees were shown in euros (the table has a USD/GBP/EUR selector), while account sizes are in dollars:
| 2-Step account | One-time fee shown | Profit target (Challenge / Verification) | Max daily loss | Max loss | Min trading days |
|---|---|---|---|---|---|
| $10,000 | €89 | 10% / 5% | 5% | 10% | 4 |
| $25,000 | €250 | 10% / 5% | 5% | 10% | 4 |
| $50,000 | €345 | 10% / 5% | 5% | 10% | 4 |
| $100,000 | €439 / €540 (see below) | 10% / 5% | 5% | 10% | 4 |
| $200,000 | €1,080 | 10% / 5% | 5% | 10% | 4 |
The table lists the trading period as unlimited, the refund as 100%, and rewards of up to 90%. For the $100,000 account it showed two fees, €439 and €540, while a promotional banner advertised a "Special deal on $100K 1-Step Challenge". The page does not make clear which product or offer the €439 figure belongs to, so check the price at checkout. Our saved pages did not show 1-Step prices or prices in US dollars.
You can pay by card, PayPal, Revolut Pay, cryptocurrencies, Skrill or bank wire; PayPal, Skrill and crypto carry a 3% fee.
Standard or Swing. The 2-Step can be bought as a Standard or a Swing account type; Swing is offered only on the 2-Step and is chosen when you configure the order. A Standard account cannot later be changed to Swing, but a Swing FTMO Account can be switched to Standard before each new cycle. The trading differences are covered under Restrictions below.
Account limits. There is no limit on the number of accounts, but total capital across all accounts is capped at $400,000 per trader or strategy before any scaling, across both products. Holding accounts through different registrations is not permitted.
Free Trial. FTMO offers a free Free Trial, an abridged version of the challenge. The 2-Step trial is one phase with a 5% profit target and 2 minimum trading days; the 1-Step trial uses the 1-Step objectives with a 5% target. Only one Free Trial is allowed at a time, but you may repeat it, and a Free Trial result cannot earn you an FTMO Account.
FTMO publishes its rules on a Trading Objectives page, with one set for the 1-Step and one for the 2-Step. Daily limits reset at midnight Central European time, and equity used for the limits includes open profit or loss, swaps and commissions.
| Rule | FTMO Challenge: 1-Step | FTMO Challenge: 2-Step |
|---|---|---|
| Profit target | 10% (Challenge only) | 10% Challenge, 5% Verification |
| Profit target on FTMO Account | None | None |
| Maximum daily loss | 3% of initial capital | 5% of initial capital |
| Maximum loss | 10%, end-of-day trailing | 10%, static |
| Best Day Rule | Best day no more than 50% of Positive Days' Profit | Not on the 2-Step tab |
| Minimum trading days | Not on the 1-Step tab | 4 in each phase; none on the FTMO Account |
Time and consistency. The homepage lists the 2-Step trading period as unlimited, and the site banner says "No time limit". FTMO's consistency FAQ says that, beyond the Trading Objectives such as the Best Day Rule and Minimum Trading Days, there are no additional consistency requirements provided you keep sustainable risk management.
Leverage. Leverage is up to 1:100 on the Standard account type and up to 1:30 on Swing.
The main restrictions apply only to the Standard account type, and only once you trade an FTMO Account. During the evaluation they do not apply to either account type.
News (Standard FTMO Account). On a Standard FTMO Account you may not open or close trades on the affected instruments from 2 minutes before to 2 minutes after selected news releases, including stop-loss or take-profit orders triggering in that window. Positions opened more than 2 minutes before the event may be held, and other instruments are not restricted. The restricted events include major US, euro-area, UK, Canadian, Australian, New Zealand and Swiss releases. Breaking the rule may lead to termination of the FTMO Account.
Overnight and weekend (Standard FTMO Account). On a Standard FTMO Account you must close positions shortly before markets close for the weekend, or before a rollover break longer than 2 hours. Trading itself is allowed at weekends whenever the market is open.
Swing. Swing accounts have no restrictions on news trading or on holding positions overnight or over the weekend. Swing is only available on the 2-Step, so traders who pass the 1-Step trade under the Standard restrictions.
Strategies and EAs. FTMO says it does not restrict trading strategies, including discretionary trading, algorithmic trading and EAs, provided trading is legitimate, matches real market conditions and avoids forbidden practices. A stop-loss is not required. If you use a third-party EA, other traders may run the same strategy, and you risk being denied an FTMO Account if the combined capital exceeds the allocation limit. Platform servers are limited to 200 orders at a time and 2,000 positions per day.
Forbidden practices. If FTMO identifies intentional forbidden practices repeated across accounts, it says it may remove positions, rebalance the account, reduce leverage or terminate the account. Forbidden Trading Practices are defined in clause 7.3 of the FTMO Challenge Terms & Conditions, and FTMO says it may use data from FTMO Accounts to trade on its own live accounts.
Reward split. On the 1-Step you receive 90% of the profit, and rewards cannot be left on the account to grow it. On the 2-Step you receive 80%, rising to 90% if Scaling Plan or Premium Programme conditions are met, and you can roll a reward over to build a larger balance (minimum $20 or equivalent).
Timing and methods. You can request a Reward from the 14th day after your first trade on the account, with all positions and pending orders closed. FTMO says it reviews the request within 1–2 business days, and the Reward is typically sent within 1–2 business days after the invoice is approved. Rewards are paid by bank wire, Visa Direct / Mastercard Send (up to $20,000), Skrill (up to $3,000) or cryptocurrencies, with no FTMO commission; the minimum closed profit is $20 for bank wire and $50 for crypto.
Scaling Plan. FTMO says it can periodically add balance to the FTMO Account of a consistently profitable trader under its Scaling Plan, and its menu describes the plan as "Grow up to $2M". The pages we saved do not give the conditions for a scaling step, so we do not list them.
Premium Programme. The Premium Programme is open to traders from both products and can run alongside the Scaling Plan; 1-Step traders already start at 90%, so joining does not raise their split.
FTMO Futures is sold as a recurring monthly Evaluation subscription, with no activation fee. The subscription stays active if you breach the Evaluation; you get a new account on the next billing date. It is cancelled automatically when you pass. Both Evaluations are simulated and use live CME market data.
| Growth account | Price | Profit target | Max drawdown (EOD trailing) | Daily loss | Payout cap per request |
|---|---|---|---|---|---|
| $50K | $119 a month | $3,000 | $2,000 | $1,000 (soft, Sim-Funded only) | $2,500 |
| $100K | $169 a month | $6,000 | $3,500 | $2,000 (soft, Sim-Funded only) | $3,000 |
| $150K | $229 a month | $9,000 | $5,000 | $3,000 (soft, Sim-Funded only) | $4,000 |
Growth has no daily loss limit in the Evaluation and a 40% consistency rule that applies to the Evaluation only. On the Growth Sim-Funded Account the daily loss limit is soft: hitting it closes positions and stops trading for the day, without ending the account. The futures page says Growth payouts come "every 4 days".
Pro costs $139, $199 or $269 a month for $50K, $100K or $150K. Pro applies a hard daily loss limit: breaching it fails the Evaluation, and on the Sim-Funded Account it ends the account permanently. The futures page markets Pro with "Withdraw 100% of your profit", "High payout caps of $5,000 and $8,000" and a "Target-to-drawdown starting as low as 1:1". On the rules page, the 100% is the share of profit you may request; the payout cap and the 90/10 payout ratio still apply. Our saved copy did not show a labelled Pro plan card, so we do not list Pro targets and drawdowns by size.
CFD platforms. For the 1-Step, 2-Step and FTMO Account you can use MetaTrader 4, MetaTrader 5, cTrader or TradingView, chosen in the challenge configurator. TradingView trades go through the OANDA Broker Profile. One homepage block mentions only MT4, MT5 and cTrader, while the same page says "4 Trading Platforms"; we follow the platforms FAQ. You can change platform as long as no trade has been placed on the current account; on an FTMO Account, after each Reward withdrawal.
Markets. CFD traders can trade the instruments available on the platform, including forex, indices, commodities, stocks and crypto.
Futures. The Futures FAQ has login guides for Tradovate, NinjaTrader and TradingView.
The site's copyright line names FTMO s.r.o., and FTMO gives its address as Purkynova 2121/3, 110 00 Prague, Czech Republic. FTMO says it offers 24/7 support in 21 languages by chat, email and WhatsApp.
Who can join. Clients must be over 18. FTMO does not serve nationals or residents of Iran, Syria, Myanmar and North Korea, with a conditional exception for some Iranian, Syrian and Myanmar nationals living in the EEA. It also publishes a longer list of countries it does not serve, including Russia, Belarus, Indonesia, Iraq, Kazakhstan, Cuba, Venezuela and several regions of Ukraine. Clients in Australia and the United States are served through affiliated entities at ftmo.com/au and ftmo.oanda.com. To sign the FTMO Account contract you must provide an ID document and complete identification.
Inconsistencies on the site. One FAQ says the fee is refunded with the first Reward withdrawal without naming the product, and then adds that this applies to the 2-Step only; the fees FAQ confirms the 1-Step fee is not refunded. The homepage advertises an account of up to $200,000, while another FAQ mentions up to $400,000 of fictitious capital; the $400,000 figure matches the total allocation limit across accounts.
Traders who want a refundable fee and a static maximum loss may prefer the 2-Step, which also offers the Swing type for holding positions through news, overnight and weekends. Traders who want a single phase and a 90% split from the start may prefer the 1-Step, but must accept a 3% daily loss, a trailing maximum loss, the Best Day Rule and a non-refundable fee. Futures traders can choose FTMO Futures, which charges monthly.
MyPropGenius has an affiliate relationship with FTMO: we earn a commission if you buy through our link. This does not change the review or the firm's Transparency Index score, which use the same published rules as every other firm.
MyPropGenius Rating:
The rating measures how openly FTMO discloses its rules, pricing, payouts and ownership (our Transparency Index methodology). It does not measure how likely you are to pass or be paid.
The Imprint gives each entity's name, business ID, commercial-register entry and Prague address (plus a Delaware corporation), and the footer says FTMO provides simulated trading only and does not act as a broker or take deposits. Its pricing table and FAQ state clearly when the Challenge fee is refunded (2-Step: with the first Reward; 1-Step: not refunded), and Futures subscriptions can be cancelled. The firm's pages give aggregate payout claims ('$650M+ Paid in rewards') and an average reward per account size on the pricing table. We date its operating history from the earliest Internet Archive (Wayback Machine) copy of its homepage, 12 Sep 2017, which is later than the 'Since 2015' on its site: over 9 years.
Its Transparency Index score is 70/100 (Good). We do not verify payouts or test accounts; this is what the firm’s own pages show.
Check the current rules and prices on the firm's own website before you buy.
Ad: MyPropGenius has an affiliate relationship with FTMO. We earn a commission if you buy through our links. It does not affect the firm's score, which comes from the Transparency Index.
FTMO sells a one-time-fee 1-Step and 2-Step CFD challenge on simulated accounts up to $200,000, plus monthly Growth and Pro futures evaluations. The 2-Step has a static 10% maximum loss, a refundable fee and an optional Swing type, but starts at an 80% split; the 1-Step pays 90% from the start but has a 3% daily loss, a trailing maximum loss, the Best Day Rule and no refund. The rules are published in detail; check the fee and currency at checkout.
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Find my matchSimulated. FTMO says all accounts it provides are demo accounts with fictitious funds, but FTMO Traders can earn rewards paid in real money.
90% on the 1-Step. On the 2-Step it is 80%, rising to 90% if Scaling Plan or Premium Programme conditions are met. FTMO Futures uses a 90/10 payout ratio.
Only on the 2-Step, with your first Reward withdrawal. The 1-Step fee is not refunded.
Yes during the evaluation, on either account type. On a Standard FTMO Account you may not open or close trades on affected instruments from 2 minutes before to 2 minutes after selected releases, and positions must be closed before the weekend; Swing accounts (2-Step only) have neither restriction.
MetaTrader 4, MetaTrader 5, cTrader and TradingView for the CFD challenges and FTMO Account.
The homepage lists the trading period as unlimited and says "No time limit".