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
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…
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…
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.
OANDA (FTMO Group acquired OANDA Global Corporation, 2025)
Not verified
Status
active
active
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
Engine
FTMO
Instant Funding
ChatGPT
65.9
14.2
Perplexity
60.8
10.8
Gemini
49.3
19
Claude
58
11.2
Google AI Mode
48.7
18.5
Google AI Overview
64.4
20.8
Google top-10
0.8
13.7
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?
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.