CFD / FX
FTMO Instant
Standard · $5,000 account
Selected public offer only. Buyer eligibility and other variants are outside this comparison.
Sources checked 19 September – 24 October 2026. Reviewed by a site member and AI assistants. Release pfw-release-2026-10-24-pilot-2, approved 24 October 2026. Each source shows the date it was last checked.
Costs
List price
List price: €169 one-timeAbout $189
About $189 at the European Central Bank's reference rate for 23 October 2026 (€1 = $1.1193). Your card or payment provider may convert at a different rate.
Conditions and limits. €169 one-time fee for the $5,000 account (account currency USD), priced in euros, not refundable.
Official sources: FTMO · Challenges and pricing (checked 23 October 2026); FTMO · FAQ: What fees do you charge, and are they recurrent? (checked 13 October 2026); European Central Bank · Euro foreign exchange reference rates (checked 23 October 2026).
About this rule. The advertised base price of the selected account and how it is billed. A temporary public offer, available without a code, is shown beside it with any conditions the firm states, while a recent check confirms it; codes, optional purchases and unverified buyer charges are excluded.
Compare this rule across accounts
Read the guide: What are you buying when you pay for a challenge?
Fee per $1,000 of opening risk
Fee per $1,000 of opening risk: $378.32ECB rate of 23 Oct 2026
Conditions and limits. The fee is stated in euros and can be paid in other currencies, converted at FTMO's rate and shown before the order is confirmed. PayPal, Skrill and crypto payments carry a 3% fee.
How this is calculated. (List price × charges in a 30-day attempt + activation fee + platform and data fees), in US dollars, divided by the opening loss allowance and multiplied by 1,000.
- List price
- €169 one-time
- In US dollars
- $189.16 for €169
- Exchange rate
- €1 = $1.1193 (ECB reference rate, 23 October 2026)
- Charges in a 30-day attempt
- 1
- Activation fee
- None
- Platform and data fees
- None
- Opening loss allowance
- $500
- Result
- $378.32
Converted at the European Central Bank's euro reference rate for 23 October 2026. It is a reference rate: your card or payment provider may convert at a different rate.
Promotions, coupons and optional add-ons are excluded.
Final buyer charges such as taxes or payment fees are not verified.
Official sources: FTMO · Challenges and pricing (checked 23 October 2026); FTMO · FAQ: What fees do you charge, and are they recurrent? (checked 13 October 2026); FTMO · Trading objectives (Instant) (checked 13 October 2026); European Central Bank · Euro foreign exchange reference rates (checked 23 October 2026).
About this rule. The advertised base cost of a 30-day attempt in US dollars, divided by the opening loss allowance and multiplied by 1,000. A cost scenario for comparing accounts, not an all-in price.
Activation fee
Activation fee: None
Official source: FTMO · FAQ: What fees do you charge, and are they recurrent? (checked 13 October 2026).
About this rule. A mandatory charge to activate a funded account after passing, if any.
Compare this rule across accounts
Read the guide: Reserve activation costs and keep refunds conditional
Platform and data fees
Platform and data fees: None
Official source: FTMO · FAQ: What fees do you charge, and are they recurrent? (checked 13 October 2026).
About this rule. Mandatory platform or market-data charges on top of the list price, if any.
Compare this rule across accounts
Read the guide: What market data is included, and what costs extra?
Payout processing fees
Payout processing fees: FTMO charges no additional commission for Reward withdrawals.
Official source: FTMO · FAQ: How do I withdraw my reward? (checked 13 October 2026).
About this rule. Charges deducted when a payout is sent, which depend on the payment method.
Compare this rule across accounts
Read the guide: How do payout processing fees affect cash received?
Evaluation & risk
Opening loss allowance
Opening loss allowance: $500On the funded account, as there is no evaluation
How this is calculated. The funded account's opening balance minus its opening total-loss floor. The account is bought without an evaluation, so its own allowance is used.
- Funded account opening balance
- $5,000
- Funded account opening total-loss floor
- $4,500
- Result
- $500
Daily loss limits and any trailing of the floor after the opening are separate rules.
Official sources: FTMO · Challenges and pricing (checked 13 October 2026); FTMO · Trading objectives (Instant) (checked 13 October 2026).
About this rule. How much the account can lose from its opening balance before the total-loss rule is broken, using the smallest allowance across the required evaluation phases. An account bought without an evaluation uses its funded account's allowance. It is not daily headroom, live capital or a pass probability.
Compare this rule across accounts
Read the guide: How do you calculate the opening loss allowance?
Difficulty ratio
Difficulty ratio: 0.00No evaluation or profit target
How this is calculated. For each required evaluation phase, the profit target divided by that phase's opening loss allowance. The results are added. The account is bought without an evaluation and has no profit target, so the ratio is 0.
- Required evaluation phases
- None
- Funded account opening loss allowance
- $500
- Result
- 0.00
This describes the shape of the evaluation; it is not a pass probability.
Official sources: FTMO · Challenges and pricing (checked 13 October 2026); FTMO · Trading objectives (Instant) (checked 13 October 2026).
About this rule. Each required phase's profit target divided by that phase's opening loss allowance, added together. More target per dollar of allowed loss gives a higher number; an account bought without an evaluation has no target, so its ratio is 0. It describes the shape of the evaluation, not the chance of passing.
Compare this rule across accounts
Read the guide: How PFW's comparison pages summarize a route
Evaluation route
Evaluation route: FTMO Instant Account, Standard account type: an account bought without an evaluation (no FTMO Challenge or Verification), active once bought. Only one Instant account may be held at a time, including the FTMO Account it leads to.
Official sources: FTMO · FAQ: Who is an FTMO Trader, and how do I become one? (checked 13 October 2026); FTMO · FTMO Instant Account (checked 13 October 2026); FTMO · Comparison table (CFDs) (checked 13 October 2026); FTMO · FAQ: How many accounts can I have? (checked 13 October 2026).
About this rule. The exact variant compared here and the stages between purchase and a funded account.
Compare this rule across accounts
Read the guide: What do one-step, two-step, three-step, and instant funding mean?
Profit targets
Profit targets: None
Conditions and limits. None: no evaluation and no profit target.
Official sources: FTMO · Challenges and pricing (checked 13 October 2026); FTMO · Trading objectives (Instant) (checked 13 October 2026).
About this rule. The profit each required evaluation phase must reach, as a share of the opening balance. An account bought without an evaluation has none.
Compare this rule across accounts
Read the guide: How does the journey from purchase to payout work?
Total and daily loss
Total and daily loss: Max loss 10% ($500), trailing intraday from the highest balance reached on closed positions; the limit starts at $4,500, only rises, and does not reset when a Reward is withdrawn. Max daily loss 3% ($150) below the 00:00 CE(S)T balance.
Official sources: FTMO · Challenges and pricing (checked 13 October 2026); FTMO · Trading objectives (Instant) (checked 13 October 2026).
About this rule. The overall and daily loss limits, how they move, and what balance or equity they are measured against.
Compare this rule across accounts
Read the guide: Why can two “5% daily loss” rules produce different limits?
Minimum days and time limits
Minimum days and time limits: No evaluation, no minimum number of trading days, and an unlimited trading period. Access is suspended if no trade is opened within 30 days of the account being made available.
Official sources: FTMO · Comparison table (CFDs) (checked 13 October 2026); FTMO · FTMO Challenge terms and conditions (12 October 2026) (checked 13 October 2026).
About this rule. The minimum number of trading or profitable days each evaluation phase requires, including any minimum the firm states a consistency rule sets, any time limit for passing, and any inactivity period after which the account is closed.
Payouts
First and later payouts
First and later payouts: Reward claim on the 14th or any following day after the first trade on the account.
Official source: FTMO · FAQ: How do I withdraw my reward? (checked 13 October 2026).
About this rule. When the first payout can be requested and how often later requests are allowed. Waiting periods, qualifying days, review and payment are separate clocks.
Payout minimums and caps
Payout minimums and caps: Minimum closed profit $20 for bank wire, Visa Direct or Mastercard Send, and $50 for crypto; no cap stated for this account.
Official source: FTMO · FAQ: How do I withdraw my reward? (checked 13 October 2026).
About this rule. The smallest request allowed and any limit on how much can be withdrawn per request or cycle.
Funded consistency rules
Funded consistency rules: For a Reward, the Best Day may be at most 30% of total profit; going over is not a breach, but more profit is needed, and total profit counts from zero again after each Reward. No minimum trading days. FTMO Identity must be approved before the first Reward.
Official sources: FTMO · Trading objectives (Instant) (checked 13 October 2026); FTMO · FAQ: How do I withdraw my reward? (checked 13 October 2026); FTMO · FAQ: How does your Consistency rule work? (checked 13 October 2026).
About this rule. Rules on how profit must be spread across days or trades before a funded payout, and any required profitable days.
Published processing time
Published processing time: Review within 1–2 business days; Reward typically sent 1–2 business days after invoice approval.
Official source: FTMO · FAQ: How do I withdraw my reward? (checked 13 October 2026).
About this rule. How long the firm says review and payment take after a request. These are published estimates, not measured times.
Compare this rule across accounts
Read the guide: What do “24-hour,” “instant,” and “on-demand” payouts mean?
Refunds
Fee refund with a reward
Fee refund with a reward: None: the fee is not refunded.
Official source: FTMO · FAQ: Is the entry fee refunded? (checked 13 October 2026).
About this rule. Whether and when the challenge fee is paid back after a successful payout.
Cancellation refund
Cancellation refund: Consumers can cancel within 14 calendar days only before opening the first trade, with the fee refunded within 14 days, under FTMO's terms of 12 October 2026.
Official source: FTMO · FTMO Challenge terms and conditions (12 October 2026) (checked 13 October 2026).
About this rule. Whether a purchase can be cancelled and refunded, and on what conditions.
Trading rules
News trading
News trading: From the start (no evaluation, Standard account type only): no trades opened or closed, including stop-loss or take-profit fills, on affected instruments from 2 minutes before to 2 minutes after selected news. Positions opened earlier may be held. A breach may end the FTMO Instant Account.News trading: restricted.
Official sources: FTMO · FAQ: Can I trade news? (checked 13 October 2026); FTMO · Comparison table (CFDs) (checked 13 October 2026).
News trading by stage
- Funded
- Restricted. On instruments a selected news release affects, no trade may be opened or closed, and no pending order, stop-loss or take-profit may fill, from 2 minutes before to 2 minutes after it. Positions opened earlier may be held. A breach may end the FTMO Instant Account.
Official source: FTMO · FAQ: Can I trade news? (checked 13 October 2026).
About this rule. Restrictions on opening, closing or holding positions around scheduled news.
Compare this rule across accounts
Read the guide: What does a news-trading restriction actually restrict?
Overnight and weekend holding
Overnight and weekend holding: From the start (Standard account type only): positions must be closed before market breaks longer than 2 hours, such as the weekend.Overnight and weekend holding: restricted.
Official sources: FTMO · FAQ: Can I hold positions overnight or over the weekend? (checked 13 October 2026); FTMO · Comparison table (CFDs) (checked 13 October 2026).
Overnight and weekend holding by stage
- Funded
- Restricted. Positions must be closed before any market break longer than 2 hours, such as the weekend.
Official source: FTMO · FAQ: Can I hold positions overnight or over the weekend? (checked 13 October 2026).
About this rule. Whether positions can be held overnight and over the weekend.
Compare this rule across accounts
Read the guide: Which CFD/FX accounts allow overnight and weekend positions?
Expert advisors and copying
Expert advisors and copying: EAs allowed if legitimate; a third-party EA others use counts toward the $400,000 allocation; copying between one's own accounts is not addressed.Expert advisors: allowed.Copying your own trades: allowed (our reading).
Official sources: FTMO · FAQ: Instruments and allowed strategies (checked 13 October 2026); FTMO · FAQ: How many accounts can I have? (checked 13 October 2026).
Expert advisors by stage
- Funded
- Allowed. Your own and third-party EAs are allowed if the trading is legitimate. A third-party EA that others also use can push identical trading over the $400,000 allocation limit.
Official sources: FTMO · FAQ: Instruments and allowed strategies (checked 13 October 2026); FTMO · FAQ: How many accounts can I have? (checked 13 October 2026).
Copying your own trades by stage
- Funded
- Allowed (our reading). FTMO's CFD rules do not say whether you may copy trades between your own accounts. Only one FTMO Instant Account may be active at a time. FTMO's support told us on 5 October 2026 that you may copy between your own FTMO accounts, without manipulative combinations such as opposite or hedging positions across the accounts, and within the $400,000 allocation limit per trader or strategy across all your FTMO accounts. No one else may trade for you or in coordination with you.
Official sources: FTMO · FAQ: How many accounts can I have? (checked 13 October 2026); FTMO · Forbidden trading practices (checked 20 October 2026).
About this rule. Whether automated strategies are allowed and whether trades can be copied between your own accounts.
Compare this rule across accounts
Read the guide: Automation and copying: what actually needs permission?
Contractual penalties
Contractual penalties: No fine stated. Forbidden trading practices or breaches of the risk-management rules can lead to removed trades, termination of the account and all agreements without a refund of the fee, cancelled rewards, and a bar on future use. The trader indemnifies FTMO against certain third-party claims.
Official source: FTMO · FTMO Challenge terms and conditions (12 October 2026) (checked 13 October 2026).
About this rule. Penalties the terms set out for rule breaches beyond failing the account.
Compare this rule across accounts
Read the guide: Is it a prohibition, a condition or a review trigger?
Platforms & eligibility
Platforms
Platforms: MetaTrader 4, MetaTrader 5, cTrader or TradingView, chosen when you buy.
Official source: FTMO · FAQ: Which platforms can I use for trading? (checked 3 October 2026).
About this rule. The platforms the firm offers in this market, with any extra charge or country limit it states. It is the firm's list for all its accounts in the market.
Platform access and eligibility
Platform access and eligibility: MT5 among FTMO's platforms; clients 18 or over; country exclusions; US and Australian clients through affiliated entities.
Official sources: FTMO · Trading platforms (checked 13 October 2026); FTMO · FAQ: Who can join FTMO? (checked 13 October 2026).
About this rule. Who can buy the account: age, identity checks and country restrictions, and any platform limits by country.
Ratings
Not rated. Overall program scores and reliability ratings are not published yet; the figures above are measurements of stated terms, not a verdict.