FXIFY vs FTMO

FTMO is the better prop firm for most traders, while FXIFY is the better choice for traders who prioritise programme flexibility, larger starting allocations and fewer restrictions around news and weekend holding.

If you want the more established option with a longer operating history, a simpler static-loss structure on its flagship 2-Step Challenge and a stronger public reputation footprint, FTMO wins overall.

If you want more evaluation formats, account sizes up to $400,000 on eligible programmes, access to instant-funding products or more freedom to hold positions through weekends and news events, FXIFY has the stronger product range.

There is one important caveat. Neither company has one universal ruleset. FTMO now offers both 1-Step and 2-Step Challenges, while FXIFY offers multiple 1-Phase, 2-Phase, 3-Phase, Lightning and Instant Funding products. The programme you choose can matter more than the brand itself.

FXIFY vs FTMO at a glance

Programme rules change, so the table should be treated as a comparison of the firms' current mainstream offerings rather than a promise that every FXIFY or FTMO account has identical conditions.

Is FXIFY or FTMO better?

FTMO was founded in Prague in 2015. FTMO currently says it has served more than 4.5 million customers and paid more than $650 million in rewards worldwide. Those figures are company-reported rather than independently audited, but the firm's longevity itself is objectively meaningful in an industry where providers frequently enter and leave the market.

FXIFY is substantially newer. The company celebrated its third anniversary in 2026 and has expanded quickly into several evaluation structures, instant funding and larger account configurations. FXIFY's product breadth is arguably better than FTMO's, but more choice also means traders need to read the rules for the specific programme rather than assuming that "FXIFY rules" are universal.

The distinction is simple:

• Choose FTMO if reputation, longevity, predictable risk rules and long-term scaling matter most.
• Choose FXIFY if programme choice, larger initial account options, news trading, weekend holding or faster access to payouts matter more.

FTMO vs FXIFY evaluation rules

The fairest direct comparison is FTMO Challenge: 2-Step versus FXIFY 2-Phase Standard, because both use a 10% Phase 1 profit target followed by a 5% Phase 2 target.

FTMO has the better drawdown rule for most traders

This difference matters more than the headline percentages initially suggest.

FTMO's 2-Step Maximum Loss is static. The maximum-loss boundary is tied to the initial account size rather than following every increase in the account balance. FTMO also gives 2-Step traders a 5% daily loss allowance.

FXIFY's Standard 2-Phase programme has a tighter 4% daily loss limit and uses a 10% trailing maximum drawdown. FXIFY states that its trailing drawdown follows the account's high-water mark rather than behaving as a permanently fixed loss floor.

For a trader whose equity curve moves around significantly before reaching a target, static drawdown is normally easier to manage because profitable progress does not continuously reposition the risk boundary.

That makes FTMO 2-Step the cleaner ruleset for most discretionary traders.

However, this is not the same as saying all FXIFY programmes use trailing drawdown. FXIFY's 2-Phase Classic and newer 2-Phase Pro use static drawdown structures, so traders who prefer FXIFY can avoid the Standard programme's trailing-loss mechanics by selecting a different evaluation.

Which is cheaper: FXIFY or FTMO?

FTMO currently lists its Challenges from €79 for 1-Step and €89 for 2-Step. The 2-Step fee is refundable after successfully completing the process and receiving the first Reward. The FTMO 1-Step fee is not refundable.

FXIFY prices vary considerably by programme and account size. For example, its current 2-Phase lineup includes lower-cost entry accounts as well as larger programmes extending into four-figure purchase prices. FXIFY also sells optional account customisations that can alter leverage, payout frequency or the performance split.

FXIFY states that assessment fees on its standard 1, 2 and 3 Phase programmes can be reimbursed with the first payout.

The practical comparison is therefore not simply:

Which challenge costs less?

It is:

Which rules give your trading strategy the highest probability of reaching a payout before you need to purchase another challenge?

A $50 cheaper evaluation is irrelevant if the drawdown model is materially worse for the way you trade.

FXIFY vs FTMO payouts and profit split

FTMO allows a Reward request from the 14th day after the first trade on an FTMO Account. FTMO says approved Rewards are normally reviewed within one to two business days and subsequently sent within another one to two business days after the relevant withdrawal information is approved.

FTMO's current reward ratios are:

• FTMO 1-Step: 90%
• FTMO 2-Step: 80% initially
• FTMO 2-Step with qualifying Scaling Plan or Premium status: up to 90%

FXIFY's performance split depends much more heavily on the programme. Its current lineup includes up to 100% on 2-Phase Classic, up to 90% on Standard products and an 80% split on 2-Phase Pro.

FXIFY also markets a first payout on demand for its evaluation programmes.

There is, however, a current documentation inconsistency worth knowing about.

FXIFY's Fast Payouts page states that evaluation traders can request their first payout after closing their first successful funded trade, with no minimum trading days. Its current Two Phase programme page still contains wording referring to five minimum trading days before that first withdrawal.

That discrepancy should be confirmed in FXIFY's current account terms or with support before purchasing specifically for the on-demand payout feature.

That is more useful than pretending a marketing headline settles the rule.

Which prop firm has better trading conditions?

News trading

FXIFY says traders on its 1, 2 and 3 Phase accounts can trade through news events, although it reserves the right to act against what it considers improper risk management.

FTMO also allows unrestricted news trading during its evaluation stages. Once on a funded Standard FTMO Account, however, opening or closing affected instruments is restricted from two minutes before until two minutes after selected major macroeconomic releases.

FTMO Swing accounts remove those news restrictions, but the Swing account type is available only through the FTMO 2-Step route.

News traders therefore have the simpler setup at FXIFY.

Weekend holding

FXIFY allows positions to remain open over the weekend on its 1, 2 and 3 Phase programmes.

FTMO permits weekend holding during the evaluation process. Funded Standard accounts must close positions before qualifying weekend or extended market closures, while FTMO Swing accounts allow overnight and weekend holding without those restrictions.

Swing traders can use either firm, but FXIFY offers weekend flexibility across more of its mainstream evaluation products.

Expert Advisors and algorithmic trading

Both firms can accommodate automated trading on eligible products.

FTMO explicitly permits discretionary trading, algorithmic strategies and Expert Advisors provided the strategy remains legitimate, replicable and compliant with its Forbidden Trading Practices.

FXIFY allows Expert Advisors on its standard 1, 2 and 3 Phase challenges and eligible funded stages, although some products and platforms have separate restrictions. DXtrade itself, for example, does not support trading bots.

Algorithmic traders should therefore choose the specific platform and programme combination, not merely the prop-firm brand.

Does FTMO or FXIFY have better trading platforms?

FTMO supports:

• MetaTrader 4
• MetaTrader 5
• cTrader
• TradingView

FTMO discontinued DXtrade as a new platform option in March 2026.

FXIFY's major current programmes offer combinations of:

• MetaTrader 5
• DXtrade
• TradingView

For example, FXIFY confirms all three options for its 2-Phase Pro programme.

The winner depends on the platform:

• Choose FTMO for cTrader or MT4.
• Choose FXIFY for DXtrade.
• Either works for MT5 or TradingView.

Which is more trustworthy: FTMO or FXIFY?

FTMO has operated since 2015. Its official site reports more than 4.5 million customers and more than $650 million paid in rewards. Again, those payout and customer totals are company-reported figures, but the company's decade-plus operating history is a genuine differentiator.

As of 10 September 2026, Trustpilot showed FTMO at 4.8/5 from more than 51,000 reviews.

FXIFY has grown quickly but has a much shorter operating history. As of the same date, Trustpilot showed FXIFY at 4.3/5 from just over 6,200 reviews.

Trustpilot ratings should not be treated as proof that a prop firm is financially safe or that every payout dispute is legitimate. Reviews can be manipulated in either direction and prop-firm agreements still matter.

But when comparing two providers specifically, FTMO's much longer history and considerably larger review footprint give it the credibility advantage.

FXIFY vs FTMO for US traders

FTMO's global site states that clients in the United States can access FTMO services through its affiliated US service at FTMO OANDA.

FXIFY's current general website terms list the United States among restricted jurisdictions where it does not establish accounts.

Some older FXIFY FAQ pages still contain references to platforms available to US clients, so US traders should rely on the latest eligibility terms rather than old platform documentation.

For a US resident comparing the two today, FTMO has the clearer available route.

Who should choose FTMO?

Choose FTMO if you:

• want the more established prop-firm brand
• prefer FTMO 2-Step's static 10% Maximum Loss
• want cTrader or MetaTrader 4
• value a long public operating history
• want a structured scaling route that can reach $2 million in simulated allocation
• are happy waiting at least 14 days before requesting your first Reward
• want a free trial before buying a Challenge
• are comfortable using FTMO Swing if you need unrestricted weekend and news holding

FTMO's Scaling Plan can increase an eligible FTMO Account by 25% every four months, subject to its performance requirements, up to a maximum allocation of $2 million.

Who should choose FXIFY?

Choose FXIFY if you:

• want more programme configurations
• want eligible account sizes up to $400,000
• want static, trailing or alternative evaluation structures to choose from
• regularly trade major news
• regularly hold positions over weekends
• want DXtrade
• prioritise fast first-payout access
• want an Instant Funding option
• are prepared to read the rules for your exact FXIFY product rather than assuming every programme works the same way

The strongest reason to choose FXIFY is not that it is universally "easier". It is that FXIFY gives traders more ways to find a ruleset that matches their existing strategy.

That distinction matters.

Is FXIFY better than FTMO?

FTMO wins on operating history, credibility, its flagship static drawdown structure and long-term scaling. FXIFY wins on programme variety, news and weekend flexibility, larger initial account options and certain payout structures.

The better firm therefore depends on which constraints actually affect your strategy.

Is FXIFY easier to pass than FTMO?

Not necessarily.

FXIFY offers some programmes with lower targets, including 2-Phase Pro, but "easier" depends on the interaction between profit target, daily loss, total drawdown, drawdown type, minimum trading days and consistency requirements.

For example, FXIFY 2-Phase Standard and FTMO 2-Step both require 10% followed by 5%, but FTMO provides a 5% daily loss limit and static 10% Maximum Loss, compared with FXIFY Standard's 4% daily limit and 10% trailing drawdown.

A lower challenge fee or faster payout does not make an evaluation easier to pass.

Does FXIFY pay faster than FTMO?

FTMO allows Reward requests from day 14 after the first trade. FXIFY markets first payouts on demand on its standard evaluation products, although its current website contains conflicting wording about whether minimum trading days still apply.

If payout timing is the deciding factor, verify the exact FXIFY programme terms at checkout rather than relying solely on the headline.

Is FTMO or FXIFY better for swing trading?

FXIFY allows weekend holding and news trading on its 1, 2 and 3 Phase programmes. FTMO's dedicated Swing account removes weekend and news restrictions but is available only through the FTMO 2-Step Challenge.

Final verdict: FXIFY or FTMO?

FTMO is the stronger all-round proposition in 2026. Its longer history, much larger public review footprint, static 10% Maximum Loss on the flagship 2-Step Challenge and established scaling system make it the lower-uncertainty option.

FXIFY becomes more attractive when your trading strategy needs something FTMO's standard structure does not provide. That could mean unrestricted news trading, weekend holding, DXtrade, a larger starting allocation, Instant Funding or a specialised evaluation with different targets and drawdown mechanics.

So the practical answer to FXIFY vs FTMO is:

FTMO wins for most traders. FXIFY wins when flexibility is the deciding factor.

Before purchasing either evaluation, check the current rules for the exact account because prop-firm programmes, promotions, payout conditions and jurisdiction restrictions can change.