FTMO vs FXIFY: which is easier to pass and pay out?
FTMO and FXIFY 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 they come out even, 3 each, with 1 level.
The verdict, category by category
| FTMO | FXIFY | Edge | |
|---|---|---|---|
| Easiest challenge to pass pass chance in our benchmark | 1-Step Challenge: 54% | Two Phase (trailing): 40% | FTMO |
| Best chance of passing and getting paid passed and reached a first payout, in our benchmark | 2-Step Challenge: 46% | Two Phase (trailing): 37% | FTMO |
| Instant funding funded from day one, no challenge | Instant Account: 66% reach a payout | Instant Funding: 83% reach a payout | FXIFY |
| Most room before failing largest maximum loss; static beats trailing | 10% static (2-Step Challenge) | 10% trailing (Two Phase (trailing)) | FTMO |
| Highest profit split can't compare: one firm doesn't state it | 90% | Not stated | Level |
| Quickest first payout | 14 days | On demand | FXIFY |
| Accounts with no consistency rule | 1 of 3 | 3 of 3 | FXIFY |
Which should you choose?
- Choose FTMO if you want the challenge that is easier to pass on its rules; you want the best chance of passing and then reaching a first payout; your strategy has deep drawdowns and needs room on the maximum loss.
- Choose FXIFY if you want to skip the evaluation and be funded straight away; you want your first payout as soon as possible; you make most of your profit on a few big days.
- 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 FXIFY
2-step challenges: FTMO 2-Step Challenge vs FXIFY Two Phase (trailing)
| FTMO | FXIFY | |
|---|---|---|
| Account | 2-Step Challenge | Two Phase (trailing) |
| Profit target | 10% / 5% | 10% / 5% |
| Daily loss limit | 5% | 4% of day's balance |
| Maximum loss | 10% static | 10% trailing |
| Minimum days | 4 | 5 |
| Time limit | None | None |
| Consistency rule | None | None |
| First payout | After 14 days, 0.1%+ profit | On demand, 0.1%+ profit |
| Profit split | 80% | Not stated |
| Price | $602.78 for $100K | $549 for $100K |
| Pass chance (benchmark) | 52% | 40% |
| First payout chance (benchmark) | 46% | 37% |
| Best risk per trade | 0.75% | 0.75% |
| Fee spent per first payout, per $100 | $217 | $270 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
1-step challenges: FTMO 1-Step Challenge vs FXIFY One Phase
| FTMO | FXIFY | |
|---|---|---|
| Account | 1-Step Challenge | One Phase |
| Profit target | 10% | 10% |
| Daily loss limit | 3% | 3% of day's balance |
| Maximum loss | 10% trailing | 6% trailing |
| Minimum days | None | 5 |
| Time limit | None | None |
| Consistency rule | 50% | None |
| First payout | After 14 days, 0.1%+ profit | On demand, 0.1%+ profit |
| Profit split | 90% | Not stated |
| Price | $557.01 for $100K | $549 for $100K |
| Pass chance (benchmark) | 54% | 35% |
| First payout chance (benchmark) | 40% | 33% |
| Best risk per trade | 0.75% | 0.5% |
| Fee spent per first payout, per $100 | $250 | $303 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
Instant funding accounts: FTMO Instant Account vs FXIFY Instant Funding
| FTMO | FXIFY | |
|---|---|---|
| Account | Instant Account | Instant Funding |
| Profit target | None | None |
| Daily loss limit | 3% | 8% of day's balance |
| Maximum loss | 10% trailing | 8% trailing |
| Minimum days | None | None |
| Time limit | None | None |
| Consistency rule | 30% | None |
| First payout | After 14 days, 0.1%+ profit | After 14 days, 0.1%+ profit |
| Profit split | 90% | Not stated |
| Price | $3,347.66 for $100K | $4,249 for $100K |
| First payout chance (benchmark) | 66% | 83% |
| Best risk per trade | 0.5% | 0.5% |
| Fee spent per first payout, per $100 | $152 | $120 |
| 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 | Two Phase (trailing) | 2-step | 10% / 5% | 4% | 10% trailing | None | On demand, 0.1%+ profit | Not stated |
| F | One Phase | 1-step | 10% | 3% | 6% trailing | None | On demand, 0.1%+ profit | Not stated |
| F | Instant Funding | Instant funding | None | 8% | 8% trailing | None | After 14 days, 0.1%+ profit | Not stated |
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/
FXIFY
FXIFY's evaluations measure the daily limit from the previous day's balance and use a trailing maximum loss: 10% on the Two Phase account and 6% on One Phase, with at least 5 trading days. In return, assessment-funded accounts can take a first payout on demand after the first profitable trade, then every 30 days, or 14 with an add-on.
Forex & CFDs
Rules to watch: Daily drawdown based on the previous day's balance. Assessment-funded accounts can take a first payout on demand after the first profitable trade, then every 30 days (14 with add-on). Instant: first payout 14 days after first trade; trailing drawdown locks at start after a payout. One trade every 60 days. Sources: fxify.com/faqs/all-faqs/what-are-the-rules-for-the-assessment-account/ and fxify.com/faqs/all-faqs/how-do-i-withdraw-my-profits/
Questions
Is FTMO or FXIFY easier to pass?
FTMO. In our benchmark, the same made-up trader passed FTMO's 1-Step Challenge 54% of the time and FXIFY's Two Phase (trailing) 40%.
Which is more likely to pay out, FTMO or FXIFY?
Of their challenges, FTMO's 2-Step Challenge (46%) gave the better chance of passing and reaching a first payout in our benchmark, against 37% for FXIFY's Two Phase (trailing). FTMO's Instant Account and FXIFY's Instant Funding, an instant account with no challenge, reached a payout 66% and 83% of the time. This ranks the rules, not the firms' payout records.
Which has the better profit split, FTMO or FXIFY?
FTMO, with up to 90% against a split not stated.
Which gives more room on drawdown, FTMO or FXIFY?
FTMO's most forgiving account allows 10% static (2-Step Challenge); FXIFY's allows 10% trailing (Two Phase (trailing)). A static limit never moves up behind you, so it is worth more than a trailing one of the same size.
Do FTMO and FXIFY have consistency rules?
FTMO: 2 of 3 accounts do. FXIFY: none of its 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 Maven Trading
- FTMO vs Blue Guardian
- FTMO vs Goat Funded Trader
- FTMO vs FTUK
- FTMO vs City Traders Imperium
- FundedNext vs FXIFY
- FTMO vs Instant Funding
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.