FTMO vs FTUK: which is easier to pass and pay out?
FTMO and FTUK compared on their own published rules: profit targets, loss limits, consistency rules and payouts, plus how each account did in our benchmark, where the same made-up trader is replayed against every account. On our 7 measures, FTMO comes out ahead on 5 and FTUK on 2.
The verdict, category by category
| FTMO | FTUK | Edge | |
|---|---|---|---|
| Easiest challenge to pass pass chance in our benchmark | 1-Step Challenge: 54% | Flex Challenge: 64% | FTUK |
| Best chance of passing and getting paid passed and reached a first payout, in our benchmark | 2-Step Challenge: 46% | Flex Challenge: 27% | FTMO |
| Instant funding funded from day one, no challenge | Instant Account: 66% reach a payout | Instant Funding: 47% reach a payout | FTMO |
| Most room before failing largest maximum loss; static beats trailing | 10% static (2-Step Challenge) | 6% trailing, locks at start (Flex Challenge) | FTMO |
| Highest profit split | 90% | 65% | FTMO |
| Quickest first payout | 14 days | On demand | FTUK |
| Accounts with no consistency rule | 1 of 3 | 0 of 2 | FTMO |
Which should you choose?
- Choose FTMO if you want the best chance of passing and then reaching a first payout; you want to skip the evaluation and be funded straight away; your strategy has deep drawdowns and needs room on the maximum loss; you expect to be paid often and want to keep more of each payout; you make most of your profit on a few big days.
- Choose FTUK if you want the challenge that is easier to pass on its rules; you want your first payout as soon as possible.
- Still not sure? The right firm depends on your strategy, not ours. Upload your backtest and see your own pass and payout chance at both.
Test your strategy at FTMO Test at FTUK
1-step challenges: FTMO 1-Step Challenge vs FTUK Flex Challenge
| FTMO | FTUK | |
|---|---|---|
| Account | 1-Step Challenge | Flex Challenge |
| Profit target | 10% | 4% |
| Daily loss limit | 3% | 5% |
| Maximum loss | 10% trailing | 6% trailing, locks at start |
| Minimum days | None | 1 |
| Time limit | None | None |
| Consistency rule | 50% | 20% funded |
| First payout | After 14 days, 0.1%+ profit | On demand, 1%+ profit |
| Profit split | 90% | 60% |
| Price | $557.01 for $100K | Not listed |
| Pass chance (benchmark) | 54% | 64% |
| First payout chance (benchmark) | 40% | 27% |
| Best risk per trade | 0.75% | 0.5% |
| Fee spent per first payout, per $100 | $250 | $370 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
Instant funding accounts: FTMO Instant Account vs FTUK Instant Funding
| FTMO | FTUK | |
|---|---|---|
| Account | Instant Account | Instant Funding |
| Profit target | None | None |
| Daily loss limit | 3% | 5% |
| Maximum loss | 10% trailing | 6% trailing |
| Minimum days | None | None |
| Time limit | None | None |
| Consistency rule | 30% | 20% |
| First payout | After 14 days, 0.1%+ profit | On demand, 1%+ profit |
| Profit split | 90% | 65% |
| Price | $3,347.66 for $100K | Not listed |
| First payout chance (benchmark) | 66% | 47% |
| Best risk per trade | 0.5% | 0.38% |
| Fee spent per first payout, per $100 | $152 | $213 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
Where a firm has more than one account of a type, the one that did best in our benchmark is shown. "Fee spent per first payout" is what every $100 of challenge fee works out at once failed attempts are counted.
Every account at both firms
| Firm | Account | Type | Profit target | Daily loss | Max loss | Consistency | First payout | Split |
|---|---|---|---|---|---|---|---|---|
| F | 2-Step Challenge | 2-step | 10% / 5% | 5% | 10% static | None | After 14 days, 0.1%+ profit | 80% |
| F | 1-Step Challenge | 1-step | 10% | 3% | 10% trailing | 50% | After 14 days, 0.1%+ profit | 90% |
| F | Instant Account | Instant funding | None | 3% | 10% trailing | 30% | After 14 days, 0.1%+ profit | 90% |
| F | Flex Challenge | 1-step | 4% | 5% | 6% trailing, locks at start | 20% funded | On demand, 1%+ profit | 60% |
| F | Instant Funding | Instant funding | None | 5% | 6% trailing | 20% | On demand, 1%+ profit | 65% |
About the two firms
FTMO
FTMO, founded in the Czech Republic in 2015, is the best-known prop firm and the benchmark others are measured against. Its 2-Step Challenge (10% then 5%, a 5% daily limit, a 10% maximum loss fixed to your start and 4 minimum days) is one of the more forgiving evaluations in our directory.
Forex & CFDs · Czech Republic · founded 2015 · MT4, MT5, cTrader, DXtrade
Rules to watch: Daily loss is checked on equity (open trades count) and resets at 00:00 CE(S)T. 1-Step and funded accounts: best day must be 50% or less of total closed profit (orders from 12 Oct 2026). First reward can be requested from day 14 after the first trade. Instant Account (Oct 2026): 3% daily, 10% intraday trailing, 30% consistency, 90% split. Sources: ftmo.com/en/trading-objectives/ and ftmo.com/en/faq/how-do-i-withdraw-my-profits/
FTUK
FTUK is a UK firm trading on TradeLocker. Its Flex Challenge is pay-after-you-pass: a small setup fee, then an activation fee once you hit the 4% target. The 6% maximum loss trails until it locks at your start, and the daily limit is 5%. The low target makes passing quicker, but funded accounts start at a 60% split with a 20% consistency rule at the first levels.
Forex & CFDs · United Kingdom · TradeLocker
Rules to watch: Flex Challenge is pay-after-you-pass: small setup fee, activation fee after passing (implied $672 for 100k from the reset fee). Funded consistency 20% at levels 1-2, rising with scaling; withdrawing under 10% at once pays only 60%. Instant: 2% maximum floating loss protector (not modelled). Sources: faq.ftuk.com/en/articles/14322511-new-flex-challenge-explained and faq.ftuk.com/en/articles/12310214-instant-funding-program-forex
Questions
Is FTMO or FTUK easier to pass?
FTUK. In our benchmark, the same made-up trader passed FTMO's 1-Step Challenge 54% of the time and FTUK's Flex Challenge 64%.
Which is more likely to pay out, FTMO or FTUK?
Of their challenges, FTMO's 2-Step Challenge (46%) gave the better chance of passing and reaching a first payout in our benchmark, against 27% for FTUK's Flex Challenge. FTMO's Instant Account and FTUK's Instant Funding, an instant account with no challenge, reached a payout 66% and 47% of the time. This ranks the rules, not the firms' payout records.
Which has the better profit split, FTMO or FTUK?
FTMO, with up to 90% against 65%.
Which gives more room on drawdown, FTMO or FTUK?
FTMO's most forgiving account allows 10% static (2-Step Challenge); FTUK's allows 6% trailing, locks at start (Flex Challenge). A static limit never moves up behind you, so it is worth more than a trailing one of the same size.
Do FTMO and FTUK have consistency rules?
FTMO: 2 of 3 accounts do. FTUK: 2 of 2 accounts do.
More comparisons
- FTMO vs The5%ers
- FTMO vs FundedNext
- FTMO vs FundingPips
- FTMO vs E8 Markets
- FTMO vs Alpha Capital Group
- FTMO vs FXIFY
- FTMO vs Maven Trading
- FTMO vs Blue Guardian
- FTMO vs Goat Funded Trader
- FTMO vs City Traders Imperium
- FTMO vs Instant Funding
- FundedNext vs FundingPips
PropPassCheck isn't paid by either firm and has no affiliate links. The benchmark ranks rules, not your trading. Confirm the rules on each firm's site before you buy.