At a glance
- FTMO publishes different reward ratios by product: 90% for 1-Step and Instant accounts, and a default 80% for 2-Step accounts with routes to 90% under specified conditions.
- FTMO says 2-Step reward claims can be requested from the 14th day after the first trade; review and payment processing then take additional business days.
- FundingPips publishes different reward cycles and reward options by account model; the maximum advertised percentage is not necessarily the default or most frequent option.
- Minimum profitable days, consistency rules, withdrawal caps, buffers and open-position requirements can all affect payout eligibility.
The payout terms to compare
| Term | What it controls | Why it matters |
|---|---|---|
| Profit split / reward ratio | Share of eligible simulated profit paid as a reward | A higher percentage may be offset by tighter eligibility or longer payout intervals |
| First payout window | Earliest date or trading day a request can be submitted | An account can be funded immediately but still require a waiting period |
| Recurring payout cycle | Weekly, bi-weekly, on-demand or milestone-based requests | Determines cash-flow timing after the first withdrawal |
| Minimum / maximum request | Smallest eligible payout and any cap per request | Can delay access to small balances or limit large withdrawals |
| Eligibility checks | Minimum days, consistency, drawdown, identity and closed positions | Passing the account does not automatically make every profit withdrawable |
Official example: FTMO reward process
FTMO's withdrawal FAQ says a reward claim can be requested on the 14th or any following day after the first trade on the relevant FTMO Account. Open positions and pending orders must be closed before submitting the claim. FTMO says it reviews the request and notifies the trader within 1–2 business days; after approval and invoice processing, the reward is typically sent within a further 1–2 business days.
FTMO lists a 90% reward ratio for accounts initiated from its 1-Step Challenge and Instant Account. Accounts initiated from the 2-Step Challenge have a default 80% ratio, with 90% available if Scaling Plan or Premium Programme conditions are met. These are product-specific published terms, not a universal FTMO ratio.
Reward options at FundingPips
FundingPips lists several account models and reward cycles. Its Standard model includes weekly, bi-weekly and on-demand options with different percentages and conditions. The 35% consistency score applies to the On-Demand reward cycle in the Standard model; the Weekly and Bi-Weekly cycles are not subject to that specific requirement.
Do not compare a firm's maximum on-demand split with another firm's standard weekly split as if they were equivalent. Compare the exact model, reward cycle, consistency calculation, minimum days and payout cap.
Payout due diligence checklist
- Record the first eligible payout date and the recurring interval.
- Confirm the profit split for your chosen product and whether upgrades are conditional or paid add-ons.
- Check minimum and maximum payout amounts, payout caps and any account buffer.
- Check whether open trades must be closed and whether the loss limit resets after withdrawal.
- Read identity, invoice, payment-method and country restrictions.
- Check whether the payout is a contractual reward from a simulated programme or a withdrawal from a brokerage account.
A payout schedule is not a payout guarantee
Published policies explain eligibility and processing steps; they do not prove that every individual claim will be approved. A firm may review trading conduct, identity, account ownership, risk limits and compliance before payment. Community payout reports are useful context but are not audited payout rates.
Frequently asked questions
Does a 100% profit split mean I receive all profits immediately?
No. The split only describes the share of eligible profit. Payout timing, consistency rules, minimum days, caps and review procedures still apply.
How long does FTMO take to pay rewards?
FTMO says it reviews a submitted claim and notifies the trader within 1–2 business days; after approval and invoice processing, payment is typically sent within another 1–2 business days.
Can a payout reset my drawdown?
Not necessarily. FTMO specifically warns that the Maximum Loss Limit on its Instant Account does not reset after a reward withdrawal. Check the exact product.
Official sources
Provider rules can change. Check the linked product terms and FAQs before purchasing; the official source takes precedence over this summary.
PropCoupons is an independent comparison and discount-listing website. This research is informational, not financial advice or a guarantee of payout. Product terms and availability may change.