FTMO vs FXIFY — Full Comparison (Rules, Payouts, Pricing)
On paper, both firms are industry leaders. In practice, the differences are specific enough to matter — and specific enough to make one of them clearly better depending on how you trade.
Quick Comparison Table
| Feature | FTMO | FXIFY | Winner |
|---|---|---|---|
| Founded | 2014 | 2023 | 🏆 FTMO |
| Models | 1-Step, 2-Step, Swing | 1-Phase, 2-Phase, 3-Phase, Lightning, Instant | 🏆 FXIFY |
| Max Allocation | $400K ($1M Supreme Prime) | $400K (scaling to $4M) | 🏆 FXIFY |
| Profit Split | Up to 90% | Up to 100% | 🏆 FXIFY |
| Drawdown Type | Static | Static & Trailing (model dependent) | 🏆 FTMO |
| News Trading | Restricted on funded standard | Fully allowed on standard accounts | 🏆 FXIFY |
| Weekend Holding | Not allowed on funded standard | Allowed on most models | 🏆 FXIFY |
| Fee Refund | No | Yes — on first payout | 🏆 FXIFY |
| Trustpilot | 4.8/5 (42,188 reviews) | 4.4/5 (5,679 reviews) | 🏆 FTMO |
| Hidden Rules Meter | 1.7/10 | 1.5/10 | 🏆 FXIFY |
| Track Record | 11 years | 3 years | 🏆 FTMO |
Challenge Comparison — FTMO
| Challenge | Account Size | Profit Target | Daily Loss | Max Loss | Price |
|---|---|---|---|---|---|
| 2-Step Standard | $10K | 10% / 5% | 5% | 10% | $155 |
| 2-Step Standard | $25K | 10% / 5% | 5% | 10% | $250 |
| 2-Step Standard | $50K | 10% / 5% | 5% | 10% | $345 |
| 2-Step Standard | $100K | 10% / 5% | 5% | 10% | $540 |
| 2-Step Standard | $200K | 10% / 5% | 5% | 10% | $1,080 |
| 1-Step Standard | $10K | 10% | 5% | 10% | $199 |
| 1-Step Standard | $25K | 10% | 5% | 10% | $299 |
| 1-Step Standard | $100K | 10% | 5% | 10% | $499 |
| 2-Step Swing | $100K | 10% / 5% | 5% | 10% | $540 |
Fees non-refundable after first trade.
Challenge Comparison — FXIFY
| Challenge | Account Size | Profit Target | Daily Loss | Max Loss | Price |
|---|---|---|---|---|---|
| 1-Phase | $100K | 10% | 3% | 6% Trailing | ~$499 |
| 2-Phase Classic | $100K | 10% / 5% | 5% | 10% Static | — |
| Lightning | $100K | 5% | — | 4% | ~$279 |
| Instant Funding | $100K | No target | 8% | 8% Trailing | ~$2,974 |
Challenge fees refunded on first payout. Prices indicative — check current offers on site.
Profit Targets
| FTMO | FXIFY | Winner | |
|---|---|---|---|
| 1-Step | 10% | 10% | Draw |
| 2-Step Phase 1 | 10% | 10% | Draw |
| 2-Step Phase 2 | 5% | 4-5% | 🏆 FXIFY |
| Lightning option | — | 5% | 🏆 FXIFY |
| Instant option | — | No target | 🏆 FXIFY |
FXIFY wins on variety — the Lightning Challenge at 5% & Instant Funding with no target give traders more entry points than FTMO's standardized structure.
Drawdown & Risk Rules
| FTMO | FXIFY | Winner | |
|---|---|---|---|
| Daily Loss | 5% | 3%-8% (model dependent) | Draw |
| Max Drawdown | 10% Static | 4%-10% (Static for 2-Phase & Trailing for 1-Phase) | 🏆 FTMO |
| Drawdown Type | Static only | Mixed | 🏆 FTMO |
| Risk per Trade | Discretionary | 2% guideline (some models) | 🏆 FTMO |
FTMO wins on drawdown simplicity — static drawdown on all models means no surprises. FXIFY's trailing drawdown on 1-Phase & Instant accounts is statistically harder to pass than static, even when the percentage looks similar on paper.
That's like two roads both labeled "10 miles" — one is flat highway, the other goes uphill both ways. Same number, very different experience.
Forbidden Trading Practices
| Practice | FTMO | FXIFY | Winner |
|---|---|---|---|
| HFT & Tick Scalping | Prohibited | Prohibited | Draw |
| Latency Arbitrage | Prohibited | Prohibited | Draw |
| Martingale & Grid | Prohibited | Prohibited | Draw |
| Gap Trading | Prohibited | Prohibited | Draw |
| One-sided Bets | Prohibited | Prohibited | Draw |
| Account Rolling | Prohibited | Prohibited | Draw |
| Copy from Third Parties | Prohibited | Prohibited | Draw |
| News Bracketing | Prohibited | Prohibited | Draw |
| Overleveraging | Discretionary | Discretionary | Draw |
| Enforcement Style | Discretionary — FTMO decides | Rule-based — clear thresholds | 🏆 FXIFY |
Both firms prohibit the same practices — the difference is in how violations are determined. FTMO operates on a discretionary framework, meaning they can flag behavior that isn't explicitly listed. FXIFY tends toward clearer thresholds, which makes it easier to know where the line is before you cross it.
News Trading & Weekend Holding
| FTMO | FXIFY | Winner | |
|---|---|---|---|
| News Trading — Evaluation | Allowed | Allowed | Draw |
| News Trading — Funded | Restricted 2 min window | Fully allowed (standard) | 🏆 FXIFY |
| Weekend Holding — Standard | Not allowed | Allowed | 🏆 FXIFY |
| Weekend Holding — Swing | Allowed | — | 🏆 FTMO |
If news trading & weekend holding matter to your strategy — FXIFY wins this category without a fight. FTMO restricts both on standard funded accounts unless you pay for a Swing account upgrade.
EAs & Copy Trading
| FTMO | FXIFY | Winner | |
|---|---|---|---|
| EAs | Allowed | Allowed (pre-approval on some models) | 🏆 FTMO |
| Max server requests | 2,000/day | — | Draw |
| Copy Trading | Own accounts only | Own accounts only | Draw |
| Third-party EAs | Prohibited | Prohibited | Draw |
FTMO is slightly more permissive with EA usage — no pre-approval required on standard models. FXIFY requires written approval for EAs on evaluation accounts, which is a bit like having to submit a CV before your robot is allowed in the building.
Payouts
| FTMO | FXIFY | Winner | |
|---|---|---|---|
| Profit Split | Up to 90% | Up to 100% | 🏆 FXIFY |
| Fee Refund | No | Yes — on first payout | 🏆 FXIFY |
| Payout Frequency | Bi-weekly | Bi-weekly / On-demand | 🏆 FXIFY |
| First Payout | Standard timeline | After first funded trade | Draw |
FXIFY wins on payouts — 100% profit split available, fee refunded on first payout & on-demand options on some models. FTMO's 90% cap & non-refundable fees are the clearest disadvantages in this comparison.
Trust & Track Record
| FTMO | FXIFY | Winner | |
|---|---|---|---|
| Founded | 2014 | 2023 | 🏆 FTMO |
| Trustpilot | 4.8/5 — 42,188 reviews | 4.4/5 — 5,679 reviews | 🏆 FTMO |
| Hidden Rules Meter | 1.7/10 | 1.5/10 | 🏆 FXIFY |
| Industry Recognition | Benchmark firm | Fast-growing challenger | 🏆 FTMO |
FTMO wins on trust by a significant margin — 11 years of payouts & 42,000 Trustpilot reviews is a track record FXIFY simply hasn't had time to build yet. Not a criticism — just math.
Pass Probability Analysis
This is the section most comparison sites skip — but it's the one that actually matters.
Passing depends on three things: profit target difficulty, drawdown flexibility & rule enforcement.
- Static drawdown — predictable, no compression effect
- 2-minute news restriction on funded — manageable
- Discretionary risk management — enforcement at FTMO's judgment
Estimated pass rate probability (average trader): 25%–35%
- Trailing drawdown on 1-Phase & Instant — statistically harder
- Full news trading allowed — advantage for news traders
- Pre-approval required for EAs on some models
Estimated pass rate probability (average trader): 20%–30%
Key insight: FTMO's static drawdown makes it more forgiving for traders who have profitable early days. FXIFY's trailing drawdown on 1-Phase creates compression — the better you do early, the tighter your floor gets.
Difficulty Score
| Firm | Difficulty |
|---|---|
| FTMO 2-Step | 2/5 |
| FXIFY 2-Phase Classic | 2/5 |
| FXIFY 1-Phase | 3/5 |
| FXIFY Lightning | 3/5 |
| FXIFY Instant | 2/5 |
Best For Each Trading Style
FTMO is better for:
- Traders who want the most recognized name in the industry
- Traders who prefer simple, standardized structure
- Traders who don't rely on news trading or weekend holding on funded accounts
- First-time prop traders who want the safest default
FXIFY is better for:
- Traders who want fee refunds on first payout
- News traders & swing traders who need weekend holding
- Traders who want to scale beyond $400K
- Traders comfortable with more model variety
Final Score
| Category | FTMO | FXIFY | Winner |
|---|---|---|---|
| Model Variety | 7/10 | 9/10 | 🏆 FXIFY |
| Drawdown Simplicity | 9/10 | 7/10 | 🏆 FTMO |
| News & Weekend Flexibility | 6/10 | 9/10 | 🏆 FXIFY |
| Payout Structure | 7/10 | 9/10 | 🏆 FXIFY |
| Trust & Track Record | 10/10 | 9/10 | 🏆 FTMO |
| Pass Probability | 8/10 | 7/10 | 🏆 FTMO |
| Value for Money | 8/10 | 9/10 | 🏆 FXIFY |
| Overall | 7.7/10 | 8.1/10 | 🏆 FXIFY |
Final Verdict
FTMO is the industry standard for a reason — 11 years, clean rules & a Trustpilot score that FXIFY hasn't had time to match. If you want the safest, most recognized name in prop trading, FTMO is still the benchmark.
FXIFY wins on almost everything else — more flexibility, better payout structure, fee refunds, news trading on funded accounts & a scaling path to $4M. For traders who know what they want & have traded before, FXIFY offers more value per dollar spent.
If you're choosing your first challenge — pick FTMO. If you've been through a challenge before & know your trading style — FXIFY is worth serious consideration.
Check current exclusive deals before buying:
- View FTMO Challenges
- View FXIFY Discounts
