FTMO payouts
Czech RepublicPrague-based prop firm since 2015, selling 1-Step, 2-Step and futures evaluations
Our grade
Excellent
7.6 / 10 · ranked #1 of 10
FTMO payout track record
Payout score 8.4/10
FTMO has paid rewards since 2015 and claims more than $650 million in total; in February 2024 it said its best month had been January 2024 at $9.6 million. Recent Trustpilot reviews describe card payouts within hours and bank wires within about three days, and none of the 44 payout mentions in our 200-review recent sample was negative. The friction sits before the payment: since 2025, traders on Reddit and Trustpilot report reward requests that triggered a risk review and ended in a 1% risk-per-trade-idea cap, a reward refused for one-sided betting or a terminated account. In our 200 negative reviews from June to September 2026, about 6% describe an outright payout denial and 28% describe discretionary enforcement after passing or at payout. We found no record of a firm-wide payout freeze or delay wave.
Why it scored 8.4: Eleven years of rewards with fast card and wire payouts, offset by recurring 2025-2026 reports of rewards refused or capped after discretionary risk reviews.
How FTMO pays out
Split, schedule, methods
- Profit split
- 80% – 90%
- Frequency
- Every 14 days per FTMO Account (immediate for Supreme Premium traders); futures cycles need 4-5 qualifying days
- First payout
- From day 14 after the first trade on the FTMO Account
- Processing time
- Review in 1-2 business days, then usually paid 1-2 business days after invoice approval; reviewers report card payouts within hours
- Minimum
- $20 closed profit for bank wire, $50 for crypto
- Methods
- Bank wire, Visa Direct / Mastercard Send (up to $20,000), Skrill (up to $3,000), Crypto
- Paid out (claimed)
- $650M+ paid in rewards (company claim, October 2026)
Payout terms by program
| Program | Profit split | First payout | Frequency | Consistency rule |
|---|---|---|---|---|
| FTMO Challenge: 2-Step (Standard) | 80%, 90% via Scaling Plan or Premium Programme | From day 14 after the first trade on the FTMO Account | Every 14 days (a new cycle starts after each reward) | None |
| FTMO Challenge: 2-Step (Swing) | 80%, 90% via Scaling Plan or Premium Programme | From day 14 after the first trade on the FTMO Account | Every 14 days (a new cycle starts after each reward) | None |
| FTMO Challenge: 1-Step | 90% | From day 14 after the first trade on the FTMO Account | Every 14 days; rewards cannot be left on the account | Best Day Rule: best day may not exceed 50% of positive days' profit, both to pass and for every reward |
| FTMO Futures Growth | 90% | After 4 qualifying days of $150 / $250 / $300+ profit in a cycle | Each cycle needs 4 qualifying days; withdraw up to 50% of profit, capped at $2,500 / $3,000 / $4,000 per request | Evaluation only: best day may not exceed 40% of total profit |
| FTMO Futures Pro | 90% | After 5 qualifying days of $200 / $300 / $500+ profit in a cycle | Each cycle needs 5 qualifying days; withdraw up to 100% of profit, capped at $5,000 / $6,000 / $8,000 per request | Evaluation only: best day may not exceed 50% of total profit |
Scaling
FTMO Accounts grow 25% every 4 months if you made at least 10% net profit in that period with two or more processed rewards and a positive balance; on the 2-Step the split also rises from 80% to 90%. The cap is $2M across all FTMO Accounts, and Premium Prime and Supreme status lift the base allocation limit from $400K to $600K and $1M.
What traders report about getting paid
From 200 recent Trustpilot reviews
44 reviews in the recent sample mention payouts: 44 positive and 0 negative (0% negative).
Payout complaints · share of negative reviews
- Refunds, payments and pricing15%
Fees kept after an FTMO Account was refused, crypto payments not credited, high prices and a promotion that disappeared at checkout.
- 200K Swing option withdrawn6%
Traders who bought or passed $200K Swing challenges report being switched to Standard accounts with weekend and news limits.
- Payout refused outright6%
Reward requests declined for alleged breaches such as one-sided betting or news and weekend trading on Standard accounts.
Payout praise · share of 4–5★ reviews
- Payouts paid on time30%
Rewards reported within hours by card or crypto and within a few days by bank wire.
Most reported issue overall
Discretionary enforcement after passing or at payout
Reviewers describe 1% risk-per-trade-idea caps, one-sided betting flags and FTMO Accounts refused over alleged cross-account hedging or linked registrations, usually without trade-level evidence and with appeals declared final.
FTMO payout history
Events that affected payouts
Feb 18, 2024 · controversy
US clients cut off amid MetaQuotes crackdown
FTMO stops onboarding US clients and moves existing US accounts from MetaTrader to DXtrade without closing or refunding them. Source
Mar 2026 · controversy
200K Swing accounts withdrawn
Traders report that the Swing option disappeared for $200K accounts and that existing 200K Swing accounts were later switched to Standard. Source
Jul 28, 2026 · rule change
0.7% currency conversion adjustment
Updated terms add a 0.7% adjustment to realized profit or loss booked in a currency other than the account currency. Source
FTMO payout FAQ
Questions traders ask
Does FTMO actually pay out?
Yes. Payout confirmations are a recurring theme in its 53,000+ Trustpilot reviews, and FTMO said its best month had been January 2024 with $9.6 million paid. The realistic risk is not non-payment but a payout review that ends with a refused reward or a new risk cap because FTMO judged your trades one-sided or too risky.
How long do FTMO payouts take?
You can request a reward from day 14 after the first trade on your FTMO Account. FTMO reviews the request within 1-2 business days and usually sends the money 1-2 business days after the invoice is approved. Recent reviewers report Visa Direct and Mastercard Send payouts arriving within hours.
Before buying, read the FTMO rules that most often block payouts.
FTMO rules & hidden risks Visit FTMO