FTMO vs The5%ers: which is easier to pass and pay out?
FTMO and The5%ers 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 8 measures they come out even, 2 each, with 4 level.
The verdict, category by category
| FTMO | The5%ers | Edge | |
|---|---|---|---|
| Easiest challenge to pass pass chance in our benchmark | 1-Step Challenge: 54% | Hyper Growth (1-step): 53% | Level |
| Best chance of passing and getting paid passed and reached a first payout, in our benchmark | 2-Step Challenge: 46% | High Stakes (2-step): 46% | Level |
| Instant funding funded from day one, no challenge | Instant Account: 66% reach a payout | No | FTMO |
| Most room before failing largest maximum loss; static beats trailing | 10% static (2-Step Challenge) | 10% static (High Stakes (2-step)) | Level |
| Highest profit split | 90% | 80% | FTMO |
| Quickest first payout | 14 days | 14 days | Level |
| Accounts with no consistency rule | 1 of 3 | 2 of 2 | The5%ers |
| An account with no daily loss limit | No | Yes | The5%ers |
Which should you choose?
- Choose FTMO if you want to skip the evaluation and be funded straight away; you expect to be paid often and want to keep more of each payout.
- Choose The5%ers if you make most of your profit on a few big days; you hold through volatile sessions and a daily limit would cut you off.
- 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 The5%ers
2-step challenges: FTMO 2-Step Challenge vs The5%ers High Stakes (2-step)
| FTMO | The5%ers | |
|---|---|---|
| Account | 2-Step Challenge | High Stakes (2-step) |
| Profit target | 10% / 5% | 10% / 5% |
| Daily loss limit | 5% | 5% |
| Maximum loss | 10% static | 10% static |
| Minimum days | 4 | 3 |
| Time limit | None | None |
| Consistency rule | None | None |
| First payout | After 14 days, 0.1%+ profit | After 14 days, 0.15%+ profit |
| Profit split | 80% | 80% |
| Price | $602.78 for $100K | $545 for $100K |
| Pass chance (benchmark) | 52% | 52% |
| First payout chance (benchmark) | 46% | 46% |
| Best risk per trade | 0.75% | 0.75% |
| Fee spent per first payout, per $100 | $217 | $217 |
| Rules checked | 8 Nov 2026 | 8 Nov 2026 |
1-step challenges: FTMO 1-Step Challenge vs The5%ers Hyper Growth (1-step)
| FTMO | The5%ers | |
|---|---|---|
| Account | 1-Step Challenge | Hyper Growth (1-step) |
| Profit target | 10% | 10% |
| Daily loss limit | 3% | None |
| Maximum loss | 10% trailing | 6% static |
| Minimum days | None | None |
| Time limit | None | None |
| Consistency rule | 50% | None |
| First payout | After 14 days, 0.1%+ profit | After 14 days, 0.15%+ profit |
| Profit split | 90% | Not stated |
| Price | $557.01 for $100K | $260 for $5K |
| Pass chance (benchmark) | 54% | 53% |
| First payout chance (benchmark) | 40% | 43% |
| Best risk per trade | 0.75% | 0.75% |
| Fee spent per first payout, per $100 | $250 | $233 |
| 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% |
| T | High Stakes (2-step) | 2-step | 10% / 5% | 5% | 10% static | None | After 14 days, 0.15%+ profit | 80% |
| T | Hyper Growth (1-step) | 1-step | 10% | None | 6% static | None | After 14 days, 0.15%+ 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/
The5%ers
The5%ers has two main routes. High Stakes is a classic 2-step (10% then 5%, 5% daily, 10% maximum loss fixed to your start), where the minimum days are profitable days of 0.5% or more. Hyper Growth is a single 10% phase with a 6% fixed maximum loss; its 3% daily limit pauses trading for the day rather than failing the account.
Forex & CFDs · United Kingdom · MT5
Rules to watch: High Stakes minimum days are profitable days of 0.5%+ (modelled as trading days). Hyper Growth's 3% daily limit pauses trading for the day instead of failing the account, so it isn't modelled as a breach. Payouts bi-weekly with a $150 minimum. Accounts inactive for 30 days close. Sources: the5ers.com/high-stakes/ and the5ers.com/hyper-growth/
Questions
Is FTMO or The5%ers easier to pass?
They are about the same. In our benchmark FTMO's 1-Step Challenge passed 54% of the time and The5%ers's Hyper Growth (1-step) 53%.
Which is more likely to pay out, FTMO or The5%ers?
Of their challenges, FTMO's 2-Step Challenge (46%) gave the better chance of passing and reaching a first payout in our benchmark, against 46% for The5%ers's High Stakes (2-step). FTMO's Instant Account, an instant account with no challenge, reached a payout 66% of the time. This ranks the rules, not the firms' payout records.
Which has the better profit split, FTMO or The5%ers?
FTMO, with up to 90% against 80%.
Which gives more room on drawdown, FTMO or The5%ers?
FTMO's most forgiving account allows 10% static (2-Step Challenge); The5%ers's allows 10% static (High Stakes (2-step)). A static limit never moves up behind you, so it is worth more than a trailing one of the same size.
Do FTMO and The5%ers have consistency rules?
FTMO: 2 of 3 accounts do. The5%ers: none of its accounts do.
More comparisons
- FTMO vs FundedNext
- FTMO vs FundingPips
- FTMO vs E8 Markets
- FTMO vs Alpha Capital Group
- The5%ers vs FundedNext
- FTMO vs FXIFY
- FTMO vs Maven Trading
- FundingPips vs The5%ers
- FTMO vs Blue Guardian
- FTMO vs Goat Funded Trader
- FTMO vs FTUK
- FTMO vs City Traders Imperium
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.