FTMO Instant Account: rules and how to get paid
The FTMO Instant Account is an instant account: funded from day one, with no challenge to pass. Here are its rules in dollars, how likely it is to pay out, and a plan worked out from its own limits.
In our benchmark the FTMO Instant Account is around the middle of the pack: 66% of attempts reached a first payout, against a middle value of 47% for instant accounts. For reaching a first payout it ranks 6th of 78 accounts. How the benchmark works.
Test your strategy against the FTMO Instant Account
FTMO Instant Account rules
- Account type
- Instant funding
- Account size
- $100,000
- Profit target
- None
- Daily loss limit
- 3% ($3,000) of the starting balance
- Maximum loss
- 10% ($10,000), trailing
- Minimum trading days
- None
- Time limit
- None
- Consistency rule
- 30%
- First payout
- After 14 days, 0.1%+ profit
- Profit split
- 90%
- Price
- $3,347.66 for $100K
- Rules checked
- 8 Nov 2026, FTMO's rules page
Work it out for this account: position size · how much you can still lose today · real cost to get funded · payouts
What you need to make to get paid
| Stage | Profit needed | In R at 0.5% a trade | When | Time limit |
|---|---|---|---|---|
| Funded: first payout | Any profit | – | 14 days | – |
R is the amount you lose on one losing trade. At 0.5% risk, 1R is $500.
How to get paid on the FTMO Instant Account
- Risk about 0.5% a trade ($500). That was the risk that gave the best chance of a first payout on these rules in our benchmark. Bigger trades finish sooner when they work but breach the limits far more often; smaller trades are safer but can take months. The position size calculator turns that into lots or contracts.
- Stop for the day well before the 3% daily limit. The limit is $3,000, a fixed amount from the starting balance. At 0.5% a trade, 5 losing trades in a row fit inside it. A personal stop at about half the limit (3 losses, about $1,500) leaves room for slippage and for open trades, which many firms count. The drawdown calculator shows your exact room at any moment.
- Protect open profit: the drawdown trails. Your floor is $10,000 below your highest balance, and it moves up every time you make a new high, so profit you give back counts against you just like a loss. Take partial profits or move stops to break-even once a trade is well in profit, and don't raise your size after a winning run. From any new high you have room for 19 losing trades in a row at 0.5%.
- Before each payout: 30% consistency. Your best day must be no more than 30% of the profit you withdraw. For a $2,000 payout, keep every day under about $600, or keep trading until the total is big enough.
- Getting paid. The first payout comes after 14 days. With a 90% split, you keep $900 of every $1,000 of profit. Keep trading the same way you started: the limits still apply, and the account can still be lost.
- Test your own strategy before you pay. The numbers above come from a made-up trader. Upload your backtest or trade history to see your own pass and payout chance on this account, and use the strategy builder to add a daily stop and loss guards set to these limits.
Mistakes that fail this account
- One revenge trade after a losing morning. The 3% daily limit is the most common way accounts like this fail.
- Letting a winning trade turn into a loser. With a trailing drawdown, a big open profit that comes back costs you room.
- One huge day. It can make the consistency rule hold back your payout until the rest of your profit catches up.
- Trading news or holding over weekends without checking FTMO's own restrictions, which this page does not cover in full.
Rules to watch at FTMO
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/
What it really costs to get funded
A challenge fee buys an attempt, not an account. If you divide the fee by the chance of success, you get what the average trader actually spends, retries included, before it pays off.
- At a 66% chance of reaching a first payout, every $100 of fee works out at about $152 for each first payout.
- At $3,347.66 for $100K, that is about $5,072 per first payout.
These use our benchmark trader's odds, not yours. A stronger strategy pays less per success and a weaker one pays more, which is why it is worth testing your own trades first. Many firms refund the fee with the first payout; check FTMO's terms.
How it compares
The best instant accounts in our benchmark, with this one included for comparison.
| Account | Payout chance | Target | Daily loss | Max loss | Consistency |
|---|---|---|---|---|---|
| Lark Funding Instant Master | 89% | None | 5% | 8% trailing, locks at start | None |
| Funded Trading Plus Instant Program | 86% | None | 6% | 6% trailing, locks at start | None |
| Instant Funding Clarity (instant) | 84% | None | None | 10% static | None |
| FXIFY Instant Funding | 83% | None | 8% | 8% trailing | None |
| FundedNext Stellar Instant | 83% | None | None | 6% trailing, locks at start | None |
| FTMO Instant Account (this one) | 66% | None | 3% | 10% trailing | 30% |
| Hola Prime Direct Account 100K (instant) | 49% | None | 3% | 7% trailing, locks at start | 20% |
Other FTMO accounts
How typical traders do on FTMO Instant Account
Eleven made-up traders, replayed 1,000 times each against these exact rules at the risk per trade that suited each one best. Every one except the grid sample makes the same average profit a day; only the shape of their results differs, which is what the rules react to. High win rate does best here (93% reach a first payout), position trading worst (51%).
| Sample trader | Win rate and reward | Trades a day | Reach a first payout | Best risk a trade | Typical trading days | Most failures |
|---|---|---|---|---|---|---|
| High win rate | 75% at 0.4R | 2 | 93% | 1% | 16 | Hit the maximum loss |
| Opening range breakout | 55% at 1R | 1 | 91% | 0.75% | 20 | No payout within 120 days |
| Breakout | 37% at 2R | 1 | 84% | 0.5% | 26 | No payout within 120 days |
| Mean reversion | 58% at 0.8R | 2 | 83% | 0.75% | 24 | Hit the maximum loss |
| Swing trading | 44% at 2R | 0.3 | 82% | 1% | 42 | No payout within 120 days |
| Grid and martingale (no edge) | 91% at 0.3R | 2 | 79% | 0.38% | 16 | No payout within 120 days |
| Trend following | 34% at 2.5R | 0.5 | 77% | 0.75% | 39 | Hit the maximum loss |
| Scalping | 54% at 0.9R | 5 | 67% | 0.38% | 35 | Hit the maximum loss |
| Day trading | 41% at 1.5R | 3 | 67% | 0.38% | 39 | Hit the maximum loss |
| Low win rate | 20% at 5R | 0.5 | 53% | 0.63% | 51 | Hit the maximum loss |
| Position trading | 33% at 4R | 0.15 | 51% | 1% | 71 | No payout within 120 days |
These are sample traders, not you: they show how the rules treat each style. Upload your own trades in the test centre for your own odds. Reward is the size of a winner in multiples of the amount risked (R).
Been paid on this account? Report your payout so other traders know what to expect.
Took this challenge? Tell us how it went, pass or fail, so other traders can see how real results compare with the test.
Price history
List price now: $3,347.66. We've tracked this price since 13 Nov 2026, so the 30-day low comes later.
No price changes by FTMO since we started tracking on 13 Nov 2026.
List prices from the firm's own site, checked each week. Firms also run short discount codes, which we don't track or link to: PropPassCheck takes no money from prop firms. All rule changes
Rule history
No changes recorded since we started tracking on 9 Nov 2026. Rules last checked 8 Nov 2026. All rule changes.
Questions about the FTMO Instant Account
What is the profit target for the FTMO Instant Account?
There is no profit target: the FTMO Instant Account is funded from the start. To take a first payout you need any profit and at least 14 days.
What is the daily loss limit on the FTMO Instant Account?
3% of the starting balance, which is $3,000 on a $100,000 account. Breaking it fails the account.
Is the FTMO Instant Account drawdown static or trailing?
The maximum loss is 10% ($10,000) and it is trailing. The floor is $10,000 below your highest balance, and it moves up every time you make a new high.
Does the FTMO Instant Account have a consistency rule?
Yes: 30%. Your best day can be no more than that share of your total profit, in the challenge and when funded.
When does the FTMO Instant Account pay out, and what is the split?
After 14 days, 0.1%+ profit. The profit split is 90%.
How likely is the FTMO Instant Account to pay out?
In our benchmark (the same made-up trader replayed against every account), 66% of attempts reached a first payout, 6th of 15 instant accounts.
How much should I risk per trade on the FTMO Instant Account?
In our benchmark the best results on these rules came at about 0.5% of the account per trade ($500 on $100,000). Your own best size depends on your win rate and losing streaks, so test your trades in the PropPassCheck test centre.
Will your strategy pass?
The benchmark ranks the rules, not you. Upload a backtest or trade history and PropPassCheck replays it 2,000 times against the FTMO Instant Account and every other account, showing your own chance of passing and of reaching a first payout. Nothing is uploaded: it runs in your browser. Open the test centre.
Nothing here is financial advice. Rules change, so confirm them on FTMO's own site before you buy.