Head to head
Fintokei vs FTMO
FTMO grades higher overall, 8.4 to 6.2. Across 21 measurable rows, Fintokei comes out ahead on 5 and FTMO on 14.
Key differences
In short
- A $100K evaluation is cheaper at Fintokei ($419 vs $567 at FTMO).
- FTMO has the stronger payout record (9.3 vs 6.1).
- Fintokei carries more hidden-rule risk (5.3 vs 2.5), led by: provider program discretion clause ('article 37').
- FTMO allows more capital ($2,000,000 vs $700,000).
- Only Fintokei sells 3-step programs.
- MT4, NinjaTrader, Tradovate are only available at FTMO.
Fintokei vs FTMO, side by side
The better value in each row is marked
| Criterion | ||
|---|---|---|
| Grade | ||
| Overall score | C6.2 | A8.4 |
| Payouts | 6.1 | 9.3 |
| Transparency | 6.2 | 7.4 |
| Rules & trading conditions | 6.0 | 6.5 |
| Reputation | 6.2 | 9.5 |
| Platforms & execution | 7.1 | 9.2 |
| Support | 6.0 | 8.4 |
| Evidence | ||
| Trustpilot | 4.4 (1.4K) | 4.8 (53K) |
| Pass rate | 21%Reported | 10%Reported |
| Hidden risk | 5.3 HighHidden risk 5.3 out of 10, High | 2.5 ModerateHidden risk 2.5 out of 10, Moderate |
| Negative recent reviews | 14% | 1.5% |
| Offer | ||
| $100K challenge | $419 | $567 |
| Cheapest account | $44 | $90 |
| Max allocation | $700K | $2M |
| Max profit split | 100% | 90% |
| Payouts | Every 14 days per funded account | Every 14 days per FTMO Account (immediate for Supreme… |
| Programs | 1-step, 2-step, 3-step | 1-step, 2-step |
| Current offer | 20% OFF· NEW20 | — |
| Company | ||
| Headquarters | Brno, Czech Republic | Prague, Czech Republic |
| Years in business | 4 | 11 |
| Trading | ||
| Platforms | TradingView, MT5, cTrader | MT4, MT5, cTrader, TradingView, NinjaTrader, Tradovate |
| Assets | Forex, Metals, Energies, Indices | Forex, Indices, Metals, Commodities, Energies, Crypto, Stocks, Futures |
| EAs | Restricted | Restricted |
| News trading | Restricted | Restricted |
| Weekend holding | Allowed | Restricted |
| Copy trading | Not allowed | Restricted |
| Hedging | Not allowed | Restricted |
Brno, Czech RepublicWhich should you choose?
By trading style
| You are… | Pick | |
|---|---|---|
| Beginners | Either | Fintokei: StartTrader is cheap ($44-$419) with a free trial and gradual 3-phase difficulty, but the funded-stage 1% daily consistency cap and discretionary termination risk are a lot for a first prop account to absorb. |
| Experienced traders | FTMO | A static 10% drawdown, scaling to $2M and an 11-year payout record suit disciplined traders who keep risk near 1% per idea. |
| Swing traders | Fintokei | ProTrader Swing is purpose-built for this style: swap-free, a balance-based daily limit that ignores open overnight positions, and news trading explicitly allowed. |
| Scalpers | FTMO | Scalping is allowed, but a simulated delay of up to 200 ms plus frequent complaints about slippage and gold spreads hurt short-term edges. |
| EA & algo traders | FTMO | EAs are allowed within 2,000 server requests a day, but third-party EAs risk the $400K per-strategy cap shared with other users. |
| News traders | Either | Fintokei: Allowed and even promoted on ProTrader Swing, but one-off high-volatility news trades on the other three programs risk being classed as prohibited one-sided betting. |
Verdicts
Fintokei verdict
Fast payouts and published rules, until the discretionary Consistency clause decides your trading looks too good
Best for: Disciplined swing and position traders who keep daily risk near 1% and want ProTrader Swing's overnight-friendly structure.
Avoid if: You trade news spikes, scalp sub-10-second entries, run EAs to pass, or plan to scale risk up fast right after your first payout.
FTMO verdict
Still the benchmark for getting paid, but read the risk clauses before you size up
Best for: Disciplined day and swing traders who risk about 1% per trade idea and value an 11-year payout record over the cheapest fee.
Avoid if: You pass challenges with oversized positions, run copy or group setups across accounts, or need rules that cannot be tightened after you pass.
Fintokei vs FTMO FAQ
Questions traders ask
Is Fintokei better than FTMO?
On our grading FTMO scores higher overall (8.4 vs 6.2, grade A vs C). The better choice depends on your style: compare the rules rows above before buying.
Which is cheaper, Fintokei or FTMO?
At list price a $100K evaluation costs $419 at Fintokei and $567 at FTMO, so Fintokei is cheaper. The smallest accounts start at $44 and $90. Discounts change often, so check the offers page.
Which pays out more reliably, Fintokei or FTMO?
FTMO has the stronger payout score (Fintokei 6.1 vs FTMO 9.3). Fintokei pays every 14 days per funded account; FTMO pays every 14 days per ftmo account (immediate for supreme premium traders); futures cycles need 4-5 qualifying days.
Which has fewer hidden rules, Fintokei or FTMO?
FTMO has the lower Hidden Risk score (Fintokei 5.3, high; FTMO 2.5, moderate). Each review lists the specific rules behind the score.
Is it easier to pass Fintokei or FTMO?
Fintokei: 21% (reported). FTMO: 10% (reported). Estimates are a guide to difficulty only; drawdown type and daily loss rules matter as much as the target.
Compare Fintokei or FTMO with another firm
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