FundingTraders review 2026

FundingTraders sells a 2-Step PRO evaluation in two versions (PRO6 and PRO10), a 1-Step PRO evaluation, and Instant Funding, which has no evaluation. It also offers a free $1,000 Try Out evaluation built on the 1-Step PRO account. The home page lists account sizes from $5,000 to $400,000. The home page names MetaTrader 5 and TradeLocker as its platforms.

The site footer says FT US Inc and Funding Traders Group Ltd. provide the simulated trading services advertised on the site. Its Terms of Service name FT US Inc, registered in Miami Beach, Florida; the footer also names Funding Traders Group Ltd., a Saint Lucia corporation. The firm's pages disagree on several rules, mostly for Instant Funding; we say below which page we used.

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

The home page shows four programme tabs: Instant, 2-Step Pro10, 2-Step Pro6 and 1-Step. The fees are described as one-time: the evaluation cards say "One-time Refundable Fee" and most Instant cards say "One-time Fee".

Each price card showed two figures, for example "$49" and "$25" on the $5,000 2-Step PRO6 card. The site was advertising discount codes at the same time; the table lists the higher figure on each card, which we treat as the list price.

Main rules by programme (from the help-centre article for each programme):

The home page cards for the 1-Step show 4 minimum trading days; we use the 1-Step PRO article and the Terms, which both give 2.

On the 2-Step PRO, the help article says add-ons bought at checkout raise the split to 90% or 100%; on the 1-Step PRO, an add-on raises it to 100%. Add-ons can only be chosen at checkout and cannot be added later.

Instant Funding: which terms apply

The Instant Funding help article says every Instant Funding account now includes a 100% profit split, on-demand payouts, $0 commission per lot, a 200% refund bonus and news holding at no extra cost. Other pages give different terms: the Terms of Service list a 90% default split with 100% as an add-on, payouts every 14 days and a $6/lot commission. The All Add-Ons article lists on-demand payouts as an Instant Funding add-on. The home page cards show a "90%-100%" reward share and a 7-day payout schedule. We use the Instant Funding article, which was the most recently updated of these pages.

Free Try Out account

The Try Out needs no payment, card or deposit and is open only to new users who sign up through the Try Out registration link. It is limited to one per person and runs on MT5 only. It has a 10% target, a 3% daily loss limit, a 10% trailing maximum loss and no time limit. The funded Try Out account pays a fixed 80% split, and real-cash payouts are capped at $500 in total. Try Out accounts cannot be reset.

Reset and Revive

A challenge can be reset once: the Reset article prices a Phase 1 reset at 60% off the original cost; after a Phase 2 failure the trader can reset Phase 2 for 130% of the challenge cost or go back to Phase 1 for 50% off; and a failed Instant Funding account can be reset for 50% off. Accounts that are still active can also be reset, at the same pricing for the current phase. A reset must be claimed within 48 hours of a breach. A separate reset sales page shows different reset prices from the help article. A Revive option lets a 2-Step or 1-Step PRO account that breached Phase 1 while in profit continue from its progress; the price is the fee paid plus that fee times the share of the target reached. Using Revive removes the fee refund.

On the 2-Step PRO, the maximum risk per trade idea is 2% of the initial balance and applies in the funded phase only; on the 1-Step PRO it applies in both the challenge and funded phases. Trades in the same symbol and direction that are open at the same time, or closed and reopened within 2 minutes, count as one trade idea. The Terms of Service treat planned risk on one trade idea of 3% (PRO6) or 5% (PRO10 and 1-Step PRO) of the initial balance as a hard breach; risk above 2% but below that level is handled under the Discipline Program.

On Instant Funding, floating losses across all open trades must not reach 1% of the initial balance. Instant Funding trades are limited to 20 lots each; the Terms set no lot limit on the PRO accounts. The first 3% of profit on an Instant Funding account is a non-withdrawable safety cushion, and a payout can be requested once the balance is at least 3.5% above the starting size.

Consistency rules: on the 1-Step PRO the largest profit day must not exceed 50% of total profit, on Instant Funding 15%, and the 2-Step PRO6 and PRO10 have no consistency score. Exceeding the score does not breach the account; the trader keeps trading until the ratio is back within the limit.

Overnight and weekend holding

PRO accounts may hold trades overnight and over weekends. For Instant Funding the pages disagree: the Instant Funding article says trades can be held overnight and over the weekend with no forced Friday close, while the General Trading Guidelines and the Terms of Service say all trades must be closed before the Friday market close. We follow the Instant Funding article, but this is worth confirming with the firm.

News trading

News, PRO accounts: news trading is unrestricted during the challenge phase. On funded PRO accounts, no more than 30% of total profit may come from news trades (trades opened, held or closed from 5 minutes before to 5 minutes after a high-impact release); above that, payouts are delayed until more trading brings the share down. Trades opened 5 hours or more before the release are not counted as news trades. The home page FAQ instead says funded PRO traders may not open or close trades within 2 minutes of high-impact events.

News, Instant Funding: the Instant Funding article says positions may be held through high-impact news, but opening or closing a position from 5 minutes before to 5 minutes after the release ends the account. The Terms of Service describe a wider ban, with no trading 10 minutes before or after high-impact news. The home page FAQ is stricter still: it says that opening, closing or holding a position inside the restricted window is a hard breach. Because a breach ends the account, confirm with the firm before holding an Instant Funding position through news; the safest reading is no opening, closing or holding from 10 minutes before to 10 minutes after a high-impact release.

Activity and stop-losses

All accounts must place at least one trade in every 30-day period; the first period starts on the purchase date, and an account failed for inactivity cannot be restored. A stop-loss is not required at standard status, but becomes mandatory on every trade while an account is under a Discipline Program status.

High-frequency trading, defined as trades lasting 15 seconds or less, is not allowed on any account. An account whose volume-weighted average holding time is below 2 minutes is terminated, which rules out scalping with very short holding times. The General Trading Guidelines name scalping for seconds as an unrealistic trading practice. Grid, hedge, martingale, arbitrage and off-the-shelf bots are forbidden.

Expert advisors: section 8 of the Terms allows EAs and bots only for risk management, and clause 1.2.1 says no EAs, scripts or robots may be used without an exception from the Risk Team. The General Trading Guidelines also allow EAs that place trades if the trader programmed or developed them personally, including AI-assisted code the trader fully understands, and encourage traders to check with support first.

Copy trading: copying trades between accounts under the trader's own verified profile is permitted; following or copying any third party's trades or signals is a hard breach. The guidelines allow copy software between the trader's own PRO accounts and from the trader's accounts at other brokers or firms. The home page FAQ says copy software between Instant accounts is not allowed.

Toxic trading and the Discipline Program

The Toxic Trading Practices article lists four measured rules: margin above 30% on one trade, planned risk above 2% on a trade idea, a new position within 5 minutes of a loss of 0.5% or more, and coming within 0.5% of the daily loss limit on 3 or more days in 30. One-sided trading and account rolling or stacking are also prohibited.

Under the Discipline Program for funded accounts, strikes move an account up a ladder: a first strike adds protective controls, a second cuts the split to 70% and deducts 50% of profit from violating trades, a third cuts it to 60% and deducts 100%, and a fourth ends the account. While a tier applies, its split replaces any profit split add-on.

On the 2-Step and 1-Step PRO, the first payout is available 21 days after the first funded trade, or 14 days with the 14-Day Payout add-on, which also applies to later payouts. The home page card for the 1-Step shows a 14-day schedule; we use the help article and the Terms of Service, which both give 21 days by default. On Instant Funding, the Instant Funding article says payouts can be requested at any time once the payout rules are met.

Payouts go by bank transfer through Rise (minimum $200) or in USDT-ERC20 crypto (minimum $50); crypto is offered only if Rise is not an option. The help articles give a processing time of 24–48 hours, weekends not included. The home page FAQ gives 2–5 business days for crypto. All positions and orders must be closed before requesting a payout.

The Payout Guarantee article says payout requests are processed within 2 business days, excluding holidays and weekends; if not, the trader receives $500 in cash and $500 in account credits. It does not apply to delays caused by a wrong payout method, KYC issues, requests for information about trading, risk reviews or payment processor downtime.

Fee refund, PRO accounts: the evaluation fee is refunded with the second payout for accounts bought on or after 8 May 2026, and with the first payout for older accounts. The Terms of Service also say the second payout. The home page FAQ says the fee is refunded with the first payout. Instant Funding accounts get a 200% refund bonus with the second payout instead, but not accounts bought before 8 May 2026.

While a payout is processed, PRO accounts are reset to their starting balance so trading can continue; if the account fails within 48 hours of the request, the payout is denied and the amount is credited back. The withdrawal policy page describes payout rules for the Next-Gen programmes, which the help centre lists as no longer available, and Instant Funding rules that the Instant Funding article says were removed, so we did not use it.

The home page lists MetaTrader 5 and TradeLocker. A separate Prop Trading page also mentions the MetaTrader Suite, cTrader and DxTrade; we list the platforms named on the home page.

The programme help articles give the leverage below for 2-Step PRO, 1-Step PRO and Instant Funding.

The Terms of Service list lower figures for indices (1:15) and crypto (1:1) on all programmes, and the Try Out article lists metals at 1:10. Leverage is also reduced while an account is under a Discipline Program status.

Commission on PRO accounts is $3 per lot round trip on all instruments except indices, charged in the funded phase only; a Zero Fees add-on removes it.

The footer says the website is owned and operated by FT US Inc, of 901 Pennsylvania Ave, Miami Beach, Florida, and Funding Traders Group Ltd., of Rodney Bay, Gros-Islet, Saint Lucia (Company No. 2025-00298). The Terms of Service describe FT US Inc as a company that evaluates and recommends traders to a third-party proprietary trading company, and say it is not a broker and does not accept deposits. The Terms say the agreement is subject to the law of the UAE.

The footer describes the services as simulated trading. The home page FAQ also says challenge trading is on a simulated account.

The firm does not accept applications from Afghanistan, Kazakhstan, Mongolia, Morocco, Poland, Taiwan, Ukraine, Venezuela, Vietnam, the Central African Republic, North Korea, Congo, Zaire, Iran, Iraq, Libya, Mali, Saipan, Somalia, South Sudan, Yemen, Ontario, Myanmar or the Russian Federation. The footer also says its MT5 services are not intended for US citizens or residents.

Under the Terms, a purchase can be cancelled within 14 days, but not after the first trade has been opened. Add-ons are refunded only if the refund is requested before the first trade.

Based on the rules above, the 2-Step PRO may suit traders who want a static maximum loss, no consistency score and the option to hold trades over weekends. Instant Funding may suit traders who want to skip the evaluation and can work within a 1% floating-loss limit and a 15% consistency score. The free Try Out lets new users try a $1,000 1-Step PRO account without paying, with a fixed 80% split, no add-ons and payouts capped at $500.

It is less suited to traders who rely on very short holding times, grid or martingale methods, or bought EAs, all of which the rules restrict. Traders who trade around news should read the news rules for their programme first.

MyPropGenius Rating: 3.2/5 — its Transparency Index score of 64/100 ÷ 20, rounded down

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