FTMO vs Instant Funding (2026): rules, payouts, fees and AI visibility compared

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Data refreshed 24 Sep 2026 · Compiled by David Ispiryan · FTMO facts verified by BrokerCatalogue research desk (from the firm's own site) on 2026-09-24 · Instant Funding facts verified by BrokerCatalogue research desk (from the firm's own site) on 2026-09-24

FTMO

AI visibility score 47.5 / 100 · AI visibility rank #1 · Founded 2015

FTMO is a proprietary trading firm based in Prague, Czech Republic, founded in 2015. It offers one-step, two-step evaluations on forex, indices, commodities, crypto, stocks, futures. Funded accounts go up to $200,000…

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Instant Funding

AI visibility score 14.7 / 100 · AI visibility rank #7 · Founded 2022

Instant Funding is a proprietary trading firm based in London, United Kingdom, founded in 2022. It offers one-step, two-step, instant-funding evaluations on forex, indices, commodities, crypto. Funded accounts go up to $400,000…

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FTMO (Prague, Czech Republic, founded 2015) scores 47.5 / 100 on the Q3 2026 AI Visibility Index (rank #1 of 76 prop firms), named in 58% of AI answers, runs One-step, Two-step evaluations, funds accounts up to $200,000 (scaling to $2M), pays a 80% (up to 90%; 90% on 1-Step) profit split and offers cTrader, DXtrade, MT4, MT5, TradingView. Instant Funding (London, United Kingdom, founded 2022) scores 14.7 / 100 on the Q3 2026 AI Visibility Index (rank #7 of 76 prop firms), named in 22% of AI answers, runs Instant funding, One-step, Two-step evaluations, funds accounts up to $400,000 challenge / $80,000 instant (scaling to $3,840,000), pays a 80% (up to 90%) profit split and offers cTrader, Match-Trader, MT5.

Verdict at a glance

  • FTMO leads on AI visibility, how often AI names it, AI sentiment, track record, asset-class range and platform choice.
  • Instant Funding leads on choice of evaluation models and maximum allocation.
  • Level on profit split.

Scored on 9 measurable dimensions where both prop firms have verified data. Dimensions missing for either side are excluded rather than guessed. This is a data summary, not a recommendation.

FTMO vs Instant Funding: side-by-side data

CriteriaFTMOInstant Funding
AI visibility score47.5 / 10014.7 / 100
AI visibility rank#1#7
Named in AI answers58%22%
AI sentiment (0–100)5417
Founded20152022
HeadquartersPrague, Czech RepublicLondon, United Kingdom
Evaluation modelsOne-step, Two-stepInstant funding, One-step, Two-step
Asset classesCommodities, Crypto, Forex, Futures, Indices, StocksCommodities, Crypto, Forex, Indices
PlatformscTrader, DXtrade, MT4, MT5, TradingViewcTrader, Match-Trader, MT5
Maximum allocation$200,000 (scaling to $2M)$400,000 challenge / $80,000 instant (scaling to $3,840,000)
Profit split80% (up to 90%; 90% on 1-Step)80% (up to 90%)
Challenge fee from€79 (1-Step $10k); €89 (2-Step $10k)Not verified
Account sizes$10k, $25k, $50k, $100k, $200k$625, $1.25k, $2.5k, $5k, $10k, $20k, $40k, $80k (instant), $25k, $50k, $100k, $200k, $400k (challenge)
Payout frequencybi-weekly (on demand after 14 days)14 days after first trade then weekly (Instant); on demand (One-Phase)
Daily drawdown limit5% (2-Step); 3% (1-Step)none (Instant); 3% (One-Phase)
Maximum drawdown10% static (2-Step); trailing 10% end-of-day (1-Step)10% (locks to 5% after 5% profit) (Instant)
Minimum trading days4 (2-Step); none (1-Step)none
Time limitnonenone
News tradingRestrictedRestricted
Weekend holdingRestrictedRestricted
EAs / algos allowedRestrictedNot verified
Broker backingOANDA (FTMO Group acquired OANDA Global Corporation, 2025)Not verified
Statusactiveactive

Highlighted cells mark the stronger value where a direction is objectively better (e.g. more licences, lower fees). "Not verified" means the field is not yet in our catalogue for that prop firm — we never fill gaps with estimates.

AI visibility by engine: FTMO vs Instant Funding

EngineFTMOInstant Funding
ChatGPT65.914.2
Perplexity60.810.8
Gemini49.319
Claude5811.2
Google AI Mode48.718.5
Google AI Overview64.420.8
Google top-100.813.7

Scores 0–100 from the Pipswire AI Visibility Index, Q3 2026. Higher means the engine names the firm more often and more favourably.

FTMO vs Instant Funding: common questions

Which prop firm do AI assistants recommend more, FTMO or Instant Funding?

FTMO scores higher on the Q3 2026 Pipswire AI Visibility Index (47.5 / 100 vs 14.7 / 100), which measures how often ChatGPT, Perplexity, Gemini, Claude and Google name a firm when traders ask which prop firm to use.

What profit split do FTMO and Instant Funding pay?

FTMO pays 80% (up to 90%; 90% on 1-Step); Instant Funding pays 80% (up to 90%) (as published on each firm's site when we last checked).

Which platforms do FTMO and Instant Funding support?

FTMO: cTrader, DXtrade, MT4, MT5, TradingView. Instant Funding: cTrader, Match-Trader, MT5.

How do the drawdown rules compare at FTMO and Instant Funding?

FTMO: maximum drawdown 10% static (2-Step); trailing 10% end-of-day (1-Step), daily 5% (2-Step); 3% (1-Step). Instant Funding: maximum drawdown 10% (locks to 5% after 5% profit) (Instant), daily none (Instant); 3% (One-Phase).

Keep comparing

FTMO

Instant Funding

Risk warning: prop firms are not regulated brokers or investment firms. Evaluations are paid, fees are usually non-refundable, most accounts are simulated, and a firm can change its rules or stop paying out. Most participants fail the evaluation. Nothing on this page is financial advice; read the firm's terms before you pay. Full risk disclosure.