RISK

Trading carries substantial risk of loss. Prop evaluation fees are typically non-refundable and the majority of traders do not pass first attempts. This comparison is for informational purposes only and does not constitute financial advice. Read full risk warning

HEAD-TO-HEAD COMPARISON · 2026

Instant Funding vs FTMO

Side-by-side comparison of trust scores, profit splits, payout speed, and real trader reviews. Independent data — no sponsored rankings.

IFND
Instant Funding
EST. 2021
FTMO
FTMO
FTMO
✓ VERIFIEDEST. 2015
INSTANT FUNDING
METRIC
FTMO
60/100—
TRUST SCORE
BETTER61/100
3.5/5—
RATING
BETTER4/5
80%—
PROFIT SPLIT
BETTER90%
$1,280,000BETTER
MAX FUNDING
—$400,000
$459—
MIN COST
BETTER$155
14dTIE
PAYOUT DAYS
TIE14d
—
PASS RATE
22%
0—
REVIEW COUNT
BETTER1

INSTANT FUNDING DETAILS

STEPS
1-phase
DRAWDOWN
Fixed
MARKETS
Forex, Commodities, Indices, Crypto
PLATFORMS
MT5, cTrader

FTMO DETAILS

STEPS
2-phase
DRAWDOWN
Fixed
MARKETS
Forex, Indices, Crypto, Commodities, Metals
PLATFORMS
MT4, MT5, cTrader
TYPES
forex, large-cap, multi-asset, Beginner Friendly, Pro Traders, Fast Payout, Large Cap, crypto

Instant Funding PROS

  • +Max funding of $1,280,000 is well above the industry average of $839,272.7
  • +Single-step funding process is faster than the industry average of 1.6 steps
  • +Weekly payouts offer more frequent access to profits than monthly schedules
  • +Profit target of 7% is below the industry average of 7.9%, making evaluation slightly easier to pass

Instant Funding CONS

  • −Min challenge cost of $459 is well above the industry average of $186.7
  • −Days to first payout of 14 is more than double the industry average of 6.5 days
  • −News trading is not allowed, restricting strategy options during high-impact events

FTMO PROS

  • +Profit split of 90% exceeds the industry average of 84.6%.
  • +Fee refund is available
  • +Founded in 2015, giving it one of the longest operational track records in the industry.
  • +Weekend and overnight holding is allowed during evaluation phases.
  • +A recently introduced competitive one-step program.

FTMO CONS

  • −Days to first payout of 14 is more than double the industry average of 6.5.
  • −Profit target of 10% is above the industry average of 8.0%, raising the qualification bar.
  • −News trading is not allowed at funded, restricting strategy options around major economic events.

PROPDNA VERDICT

Instant Funding
Lower trust score (60/100). Faster payouts at 14d. 80% profit split.
FTMO
Higher trust score (61/100). Faster payouts at 14d. 90% profit split.

RELATED LINKS

Instant Funding Full Review →FTMO Full Review →All Comparisons →
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