Funded Trading Plus review 2026

Funded Trading Plus sells three main programmes: the 1-Step Express challenge, the 2-Step Classic challenge and Instant Funding, which has no evaluation phase. The firm also sells Activation Accounts, a one-phase challenge that costs $4 to start, with an activation fee paid only if you pass. All accounts are simulated. The firm says: "No real capital is traded and no actual market orders are executed."

The base reward split is 80% on all three programmes, and each programme page says "Up to 100% Reward Split".

The help centre says Funded Trading Plus was acquired by Instant Funding in May 2026.

This review uses the firm's main website and 16 articles from its help centre; where they differ, we say which page we used.

Everything in this review comes from Funded Trading Plus' own web pages, saved on 7–9 October 2026. Rules and prices change, so check the firm's site before you buy.

The table shows the fee listed on each programme's own page. The 1-Step page shows its fee as the $100k fee; the 2-Step and Instant Funding pages did not show the account size in our capture. The Instant Funding page labels its figure a "Total Fee" and says it "Includes VAT"; the 1-Step page also says "Includes VAT".

The pages also show lower prices with a promotional code; promotions changed during our capture, so check the current price on the firm's site.

The about page says the firm has "zero hidden costs or recurring monthly fees". The crypto markets page says you can "reset your trading account for 20% less than the initial purchase price".

The same page says: "Your evaluation fee is fully refunded with your first reward withdrawal." We could not confirm which programmes this applies to.

The help centre's refund article says: "Refunds are available for any program, if you change your mind" and "if you have not placed any simulated trades on the account within the first 14 days." It adds: "Once you take the first simulated trade on the account, you are no longer eligible for a refund." The article points to a separate Refund Policy page, which we could not see.

The help centre calls the no-evaluation programme the "Instant Program"; the programme page calls it Instant Funding.

The homepage also advertises "Activation Accounts" with the lines "Start Any Challenge For $4" and "Pay the rest only". The help centre describes two payments. A $4 challenge fee is paid up front, the same for every account size. An activation fee, which changes with the account size, is paid only if you pass, before the simulated funded account is issued: "If you do not pass, you never pay the activation fee." The article does not say whether either fee recurs.

There is no time limit to pay the activation fee after passing; the article says "You keep the pass."

Activation Accounts have one challenge phase. The profit target is 2% of the starting balance on every account size. The daily loss limit is 4%, balance based, measured against the balance at the start of the trading day. The maximum drawdown is 6% and is static during the challenge. Breaching either limit cancels the account; the article says "There is no warning stage and no soft breach." There is no consistency rule during the challenge and no time limit. News trading, weekend holding and weekend trading are permitted, with news trading "governed by the FT+ News Trading Policy".

The two Activation Account articles we saw do not give the reward split, payout or drawdown rules for the simulated funded account issued after activation, so we do not state them.

The comparison page says: "we do not impose minimum or maximum trading days on our core challenges". The help centre's trading-rules article agrees there is no time limit, but says an account "would expire in the event that you do not place at least one trade in any 30-day period." The 1-Step Express and Instant Program articles call this a hard breach.

Leverage by market

The programme pages show one leverage figure per programme. The help centre's leverage article shows this is the forex figure, with lower leverage on other markets.

1-Step Express

The maximum loss trails by 6% of the initial balance from the high-water mark. Once it reaches the starting balance, it stops trailing. The page says "No minimum trading days required." and "There are no soft rules on this challenge." It also says: "Breaking a hard rule will breach your account and result in account closure." The help-centre 1-Step article says the maximum drawdown is balance based and the 4% daily drawdown "is calculated from your closed balance of the prior trading day".

2-Step Classic

The 8% maximum loss is static and calculated from the starting balance. An add-on option raises it to 9%. The page also lists a 3% symbol loss limit. A consistency score applies: 35% in the evaluation and 50% in the funded stage.

The help centre says the 3% symbol loss limit means any single instrument "may not incur more than a 3% simulated equity loss". It calculates the 4% daily drawdown from the closed balance of the prior trading day in both phases.

The crypto markets page describes the 2-Step Classic as having a "50% consistency limit"; we used the figures on the 2-Step page itself, which the help-centre 2-Step article repeats.

Instant Funding

The 6% daily drawdown is calculated from the closed balance of the prior trading day and resets at 23:59 server time. The 6% maximum drawdown is balance-based and follows the account's growth. After scaling, the drawdown becomes static, based on the new account size. The help-centre Instant Program article says the daily drawdown is calculated from "your closed balance or equity of the prior trading day", which is wider wording than the programme page; we could not tell which applies. It says the maximum loss trails by 6% of the initial balance from the high-water mark until it reaches the initial balance.

Weekend holding is not permitted: all positions must be closed by 4:30 PM (EST) on Fridays, and positions left open are closed at prevailing market rates. The help centre agrees, and adds that you can open new trades after the markets reopen and "are able to trade over the weekends."

The crypto markets page says weekend holding is allowed "across our programmes with no automatic Friday closures". This conflicts with the Instant Funding page and the help-centre Instant Program article; we used those two for that programme.

All three programme pages list news trading as "Allowed - Subject to policy"; the 2-Step and Instant Funding pages add that trading must remain "within our transparent risk review policy". The Activation Account rules say news trading is "governed by the FT+ News Trading Policy". We could not see either policy.

The 2-Step page gives "latency arbitrage" as an example of a prohibited trading practice. The disclaimers page says: "Legitimate strategies do not include arbitrage, cheating or third-party account management." The disclaimers and platform demo pages also refer to "Funded Trading Plus Ltd" (for example: "MetaTrader5™ is unavailable via Funded Trading Plus Ltd in the United States of America.").

The help centre defines abuse of demo trading conditions as trading that "seeks to gain an unrealistic advantage", which "includes but is not limited to arbitrage, latency arbitrage, some High-Frequency Trading Strategies", and exploiting platform inefficiencies.

Expert advisers

The help centre says EAs, algos and bots may be used: "You can also use EAs, Algos or Bots." It asks traders to keep to the programme rules and to read the Terms and Conditions on EAs. It says FT+ cannot offer technical support for EAs, algos or bots, because they are third-party applications and "the traders' responsibility." The same article says abuse such as "arbitrage, grid trading, tick scalping" is not allowed.

Copy trading and hedging

Copy trading "is permitted, provided it is between your own accounts only." Copying another trader's trades, or letting another trader copy yours, is prohibited and "may result in profits being nullified". The article also covers trades on the same market and in the same direction that overlap in time across different traders' accounts, noting that "positions do not need to have the exact same open and close times". "The final decision in these cases rests with our reviews team."

Group copy trading across multiple users and hedging across accounts are "not permitted in any capacity", and an EA may not be used to copy trade or hedge across FT+ accounts. The help-centre FAQ lists a separate article, "Do you permit hedging?", which we did not capture.

Each programme page also says "Up to 100% Reward Split" and "Increase your reward split as your simulated balance grows." The crypto markets page says: "Earn up to an 80% split by default, with scaling opportunities up to 100%." We could not see the exact conditions for reaching 100%. Other pages describe the split differently: the comparison page says "90% splits, weekly rewards", and the about page refers to "bonuses (70-90%)". We used the programme pages.

On the 1-Step Express, the first payout can be requested from day one of the funded account, then every 7 days, with a $50 minimum. On Instant Funding, payouts are eligible from the first active trading day; the minimum is $50 and requests can be made every 7 days. The help centre says that on both, a request can be made "as soon as you're in profit on the account", paid in USD, and that the Instant Program also needs a researcher contract and a valid KYC profile.

On the 2-Step Classic, the reward cycle is every 10 calendar days. The help centre says the first request can be made 10 days after account creation, provided the 50% consistency rule has been met. The programme page sets the threshold as at least 1% growth; the help centre calls it a minimum withdrawal of 1% of the initial starting balance.

The help centre's payouts overview says requests can only be made from the FT+ Dashboard, and the account must be flat (no open positions). The standard review and processing time is 2 business days (Monday to Friday); the firm says "most are processed and even paid, the same day." It says these time frames apply "unless we are experiencing unusually high demand". If a request is flagged for a risk review, the ETA moves to 5–7 business days. The article says payouts do not lower the high-water mark.

The crypto markets page says rewards are paid by cryptocurrency or bank wire transfer through the FT+ dashboard. The help centre's payout-methods article says: "Currently, we offer withdrawals via crypto (cryptocurrency) and Rise." It does not mention bank wire; we used the help-centre article as the more specific page. The same article says FT+ may also pay "via refunds to card/initial purchase method" "for any reason, at FT+'s sole discretion." The firm says rewards are "paid from Funded Trading Plus's own funds in accordance with programme terms and conditions."

Scaling

On the 1-Step Express, you can request to scale once the account reaches 10% profit, up to a starting account size of $2,500,000. Scaling requests go through a risk review and can take up to 2 business days. The same page also says you can scale "all the way up to $5,000,000" and lists a "Scaling Plan to $5M+" add-on (shown with "+15%"). The help-centre 1-Step article adds that profit from earlier levels does not count towards the next, that there must be no open trades, and refers to a Scaling Add-On bought at checkout.

On the 2-Step Classic, the scaling target is 20% profit. The help-centre 2-Step article adds that scaling needs at least one successful withdrawal, an account active for at least 2 months before the first request, 20% new profit at each level and no open trades, and that the account size "does not double at each level".

On Instant Funding, the scaling milestone is a 10% increase in the current balance, measured on closed balance with no open trades. The help-centre Instant Program article asks for 10% new profit at each level and says "the final scale level, from $2,500,000 to $5,000,000, requires the Scaling Add-On to have been purchased at checkout."

The programme pages list platforms under the heading "Available Platforms in Your Current Location". MT5 appears on all three, and the 1-Step and 2-Step pages also list Match-Trader (written "Match Trade"). The site says: "MetaTrader5™ is unavailable via IF Pro Ltd in the United States of America." The help centre says: "We currently offer MT5, and Match Trader."

The platform demo page offers a free demonstration login on a $100,000 account with 1:30 leverage, on the same server as the programmes, with drawdown removed. The firm says it does not offer individual demonstration accounts.

The markets page says you can "Trade 75+ markets" and lists "major & exotic forex pairs, gold, silver, oil, global indices (NAS100, SPX500, US30), and crypto." It adds that symbols are mirrored from the firm's liquidity providers and that spreads and availability are dynamic. The crypto page says BTC and ETH can be traded 24/7.

The site names Acello Ltd (with a trading name of Funded Trading Plus), a company incorporated in England and Wales with company number 12696083, at 30 Old Bailey, London, EC4M 7AU. It also names IF Pro Ltd, incorporated in Saint Lucia with registration number 2025-00056, and says Acello Ltd is the payment agent for IF Pro Ltd. The site says IF Pro Ltd does not conduct brokerage services or offer real trading accounts on the website.

The help centre's article on Acello Ltd says payments now show "ACELLO LTD" on bank statements, which "is a change from FTP LONDON LTD". It calls Acello Ltd "the updated and correct company to receive your payments" and says: "The change is purely administrative following the acquisition of Funded Trading Plus by Instant Funding in May 2026." This is the firm's own statement; we have not verified it. The article names Instant Funding as the acquirer but gives no further details about that company; it is not the Instant Funding programme described in this review.

The firm states: "Funded Trading Plus is not authorised or regulated to provide financial services by any regulatory body in any jurisdiction." It also says: "We do not hold, manage, or invest customer funds."

The site says Acello Ltd follows the international sanctions regime for its region, that "incompatible jurisdictions will result in non-progression of accounts", and publishes this list: Belarus, Crimea, Russia, Afghanistan, North Korea, Myanmar, Cuba, Syria, Islamic Republic of Iran, Central African Republic, Democratic Republic of Congo, Guinea, Guinea-Bissau, Haiti, Libya, Nicaragua, Somalia, South Sudan, Sudan, Venezuela, Yemen, Zimbabwe, Burundi, Chad, Congo Republic, Eritrea, Liberia, Papua New Guinea, Vietnam and Vanuatu.

The help centre's Prohibited Countries article gives a different list. As we captured it, that list does not include the Central African Republic, Chad, Congo Republic, Democratic Republic of Congo, Haiti, Nicaragua or Venezuela, and it adds four Ukrainian regions besides Crimea: "Ukraine (only the regions of Crimea, Donetsk, Luhansk, Kherson, and Zaporizhzhya)". The article says the firm may change the list "at its sole discretion" and that, for traders in these countries, it cannot guarantee refunds or payouts.

The firm describes itself as "Simulated Prop Trading Since 2021" and claims "60K+ traders, 19.5M+ paid out since 2021." These are the firm's own figures, which we have not verified. The homepage says it was "Founded by professional traders and educators since 2013"; the about page links 2013 to its Trade Room Plus business. The homepage says its performance results were "last refreshed in February 2026".

The 1-Step Express suits traders who want a single 10% target with no time limit and no minimum trading days, and who accept a 6% trailing maximum loss.

The 2-Step Classic suits traders who prefer a fixed floor: 7% targets and a static 8% maximum loss, but with a consistency score, a 3% symbol loss limit and a 10-day reward cycle.

Instant Funding skips the evaluation: no profit target, but the highest fee shown ($4,499), a 6% trailing maximum loss and no weekend holding.

Activation Accounts suit traders who want a low up-front cost: a $4 challenge fee, a 2% target and a static 6% maximum drawdown during the challenge, with an activation fee of $179 to $969 paid only if you pass.

MyPropGenius Rating: 3.1/5 — its Transparency Index score of 62/100 ÷ 20, rounded down

The rating measures how openly Funded Trading Plus discloses its rules, pricing, payouts and ownership (our Transparency Index methodology). It does not measure how likely you are to pass or be paid.