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Product evidence · 10 products · 7 source pages
FTMO vs FXIFY (2026): 2 vs 8 Products
Compare 10 current products across 7 first-party source pages — funded cost, split, drawdown and payout rules without flattening one product into a firm-wide answer.
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FTMO
TFH 9.2/10- Products2 fresh
- Starting splits80–90%
- DrawdownsStatic / EOD trailing
FXIFY
TFH 8.1/10- Products8 fresh
- Starting splits80%
- DrawdownsTrailing / Static / Not published
Evidence summary
Data-driven comparison · checked Aug 28, 2026
We track 2 FTMO products and 8 from FXIFY that pass the 30-day source-freshness gate, last verified 2026-08-28. FTMO offers EUR one-time; FXIFY offers USD one-time at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
Product-level: FTMO vs FXIFY
The table above compares the two firms. This one compares the products you actually buy — 10 of them, each with its own price, split, drawdown rule and source date.
We track 2 FTMO products and 8 from FXIFY that pass the 30-day source-freshness gate, last verified 2026-08-28.
FTMO offers EUR one-time; FXIFY offers USD one-time at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
FTMO's own products disagree on 16 terms. On evaluation steps it is 1-step on FTMO Challenge: 1-Step, versus 2-step on FTMO Challenge: 2-Step. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
Cost to funded, matched by account size
$10K account
FTMO offers EUR one-time; FXIFY offers USD one-time at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| FTMO Challenge: 1-StepFTMO · One-time · 90% split | €79Published fee (EUR) | €88at 90% split | — | — |
| FTMO Challenge: 2-StepFTMO · One-time · 80% split | €89Published fee (EUR) | €111at 80% split | — | — |
| Three PhaseFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.15vs 5% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.19vs 6% trailing max DD | 2 |
| Two Phase ClassicFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.11vs 10% max DD | 2 |
| Two Phase StandardFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.11vs 10% trailing max DD | 2 |
| Two Phase ProFXIFY · One-time · 80% split | $129One-time fee | $161at 80% split | 0.20vs 8% max DD | 2 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
$25K account
FTMO offers EUR one-time; FXIFY offers USD one-time at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| FTMO Challenge: 1-StepFTMO · One-time · 90% split | €199Published fee (EUR) | €221at 90% split | — | — |
| FTMO Challenge: 2-StepFTMO · One-time · 80% split | €250Published fee (EUR) | €313at 80% split | — | — |
| Three PhaseFXIFY · One-time · 80% split | $149One-time fee | $186at 80% split | 0.15vs 5% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.17vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% trailing max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $225One-time fee | $281at 80% split | 0.14vs 8% max DD | 2 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
$50K account
FTMO offers EUR one-time; FXIFY offers USD one-time at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| FTMO Challenge: 1-StepFTMO · One-time · 90% split | €319Published fee (EUR) | €354at 90% split | — | — |
| FTMO Challenge: 2-StepFTMO · One-time · 80% split | €345Published fee (EUR) | €431at 80% split | — | — |
| Three PhaseFXIFY · One-time · 80% split | $249One-time fee | $311at 80% split | 0.12vs 5% max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $375One-time fee | $469at 80% split | 0.12vs 8% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.16vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% trailing max DD | 1 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
$100K account
FTMO offers EUR one-time; FXIFY offers USD one-time at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| FTMO Challenge: 1-StepFTMO · One-time · 90% split | €499Published fee (EUR) | €554at 90% split | — | — |
| FTMO Challenge: 2-StepFTMO · One-time · 80% split | €540Published fee (EUR) | €675at 80% split | — | — |
| Three PhaseFXIFY · One-time · 80% split | $399One-time fee | $499at 80% split | 0.10vs 5% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.11vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% trailing max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $599One-time fee | $749at 80% split | 0.09vs 8% max DD | 1 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
$200K account
FTMO offers EUR one-time; FXIFY offers USD one-time at this tier. No currency-and-billing class appears on both sides, so we neither convert currencies nor rank a recurring floor against a fixed total.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| FTMO Challenge: 1-StepFTMO · One-time · 90% split | €999Published fee (EUR) | €1,110at 90% split | — | — |
| FTMO Challenge: 2-StepFTMO · One-time · 80% split | €1,080Published fee (EUR) | €1,350at 80% split | — | — |
| Three PhaseFXIFY · One-time · 80% split | $799One-time fee | $999at 80% split | 0.10vs 5% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $1,049One-time fee | $1,311at 80% split | 0.11vs 6% trailing max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $1,049One-time fee | $1,311at 80% split | 0.07vs 10% trailing max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $1,099One-time fee | $1,374at 80% split | 0.09vs 8% max DD | 1 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
Rule-by-rule, product by product
Each cell shows every value that firm's current products hold. Where a firm disagrees with itself the products are named — those are the rows a firm-level table has to flatten, and the ones that decide whether your strategy is allowed. 16 of 16 rows split this way in this matchup.
| Term | FTMO | FXIFY |
|---|---|---|
| Evaluation steps | 1-stepFTMO Challenge: 1-Step 2-stepFTMO Challenge: 2-Step | 2-stepTwo Phase Classic, Two Phase Standard, Two Phase Pro 1-stepOne Phase, Lightning Challenge Instant fundingInstant Funding Standard, Instant Funding Lite 3-stepThree Phase |
| Profit split | 80%FTMO Challenge: 2-Step 90%FTMO Challenge: 1-Step | 80%One Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not publishedInstant Funding Standard, Instant Funding Lite, Lightning Challenge |
| Drawdown method | EOD trailingFTMO Challenge: 1-Step StaticFTMO Challenge: 2-Step | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge StaticTwo Phase Classic, Three Phase Not publishedTwo Phase Pro |
| Daily loss cap | 3%FTMO Challenge: 1-Step 5%FTMO Challenge: 2-Step | 3%One Phase, Instant Funding Lite, Lightning Challenge 4%Two Phase Classic, Two Phase Standard, Two Phase Pro 5%Three Phase 8%Instant Funding Standard |
| Max loss cap | 10% | 10%Two Phase Classic, Two Phase Standard 4%Instant Funding Lite, Lightning Challenge 8%Two Phase Pro, Instant Funding Standard 5%Three Phase 6%One Phase |
| Funded drawdown | EOD trailingFTMO Challenge: 1-Step StaticFTMO Challenge: 2-Step | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge StaticTwo Phase Classic, Three Phase Not publishedTwo Phase Pro |
| Min trading days | 4FTMO Challenge: 2-Step NoneFTMO Challenge: 1-Step | 5One Phase, Three Phase, Instant Funding Lite NoneTwo Phase Classic, Two Phase Standard, Instant Funding Standard 3Two Phase Pro, Lightning Challenge |
| Max trading days | Unlimited | UnlimitedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Instant Funding Lite 5Lightning Challenge |
| Consistency rule | 50%FTMO Challenge: 1-Step None publishedFTMO Challenge: 2-Step | None publishedOne Phase, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard 20%Instant Funding Lite 25%Two Phase Classic 30%Lightning Challenge |
| First payout after | 14 days | Not publishedOne Phase, Two Phase Classic, Two Phase Standard, Three Phase 10 daysTwo Phase Pro, Instant Funding Lite 14 daysInstant Funding Standard 7 daysLightning Challenge |
| Payout frequency | On demand | MonthlyOne Phase, Two Phase Classic, Two Phase Standard, Three Phase Bi-weeklyInstant Funding Standard, Lightning Challenge Not publishedTwo Phase Pro, Instant Funding Lite |
| News trading | Conditional | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not allowedInstant Funding Standard, Instant Funding Lite, Lightning Challenge |
| Weekend holding | Conditional | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge Not allowedInstant Funding Standard, Instant Funding Lite |
| Overnight holding | Conditional | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge Not publishedInstant Funding Standard, Instant Funding Lite |
| EAs / algos | Conditional | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not allowedInstant Funding Standard, Instant Funding Lite, Lightning Challenge |
| Copy trading | Not published | ConditionalOne Phase, Two Phase Classic, Two Phase Standard, Three Phase Not allowedTwo Phase Pro, Instant Funding Standard, Instant Funding Lite, Lightning Challenge |
Sources (7 first-party pages, latest capture Aug 28, 2026)
- FTMO — FTMO Challenge: 1-Stepcaptured Aug 28, 2026
- FTMO — FTMO Challenge: 2-Stepcaptured Aug 28, 2026
- FXIFY — Instant Funding Lite, Instant Funding Standardcaptured Aug 10, 2026
- FXIFY — Lightning Challengecaptured Aug 10, 2026
- FXIFY — One Phasecaptured Aug 10, 2026
- FXIFY — Three Phasecaptured Aug 10, 2026
- FXIFY — Two Phase Classic, Two Phase Pro, Two Phase Standardcaptured Aug 10, 2026
Every figure above is read from these pages. Products older than 30 days are removed from the comparison until they are recaptured, so a missing product means stale data, not a discontinued plan.
Firm-level context
These directory fields describe the firms, not a universal product rule. The sourced product tables above decide the exact fee, split, drawdown and trading conditions.
Spec
FTMO
FXIFY
Founded
2015
2022
Platforms
MT4 · MT5 · cTrader · DXTrade
MT4 · MT5 · DXTrade · TradingView
Assets
Forex · Crypto · Indices · Commodities · Stocks
Forex · Indices · Commodities · Crypto
Payout Methods
Bank wire · Skrill · Crypto
Bank wire · Rise · Crypto
Trustpilot: FTMO vs FXIFY
Scored out of 5 by Trustpilot users, not by us. Where Trustpilot has pulled a firm's aggregate rating we say so rather than leaving a blank.
FTMO
FXIFY
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