FXIFY vs FTMO (2026)
A broad, multi-program firm against the long-established one with fewer plans. The real difference is which drawdown rule you get, and that depends on the plan you pick at FXIFY.
Disclosure: this page contains affiliate links. If you buy through the FXIFY or FTMO links I may earn a commission, at no extra cost to you. FTMO has paid me, but that does not make it the better choice for you, so I've judged both on their rules.
Short answer: the two firms split on drawdown. FTMO's 2-Step has a 10% static maximum loss, 10% then 5% targets and a 5% daily limit. FXIFY offers many more programs, and its drawdown type changes by plan: Standard (10% / 5% targets) trails, Classic and Pro are static, and One Phase, Instant and Lightning trail. FXIFY has lower entry tiers, a choice of instant and one-day plans, and allows EAs and news on its evaluation programs (per a third party). FTMO has the longer record, a refund on the 2-Step fee, and a higher Trustpilot score (4.8 vs 4.3, FTMO's own display against Trustpilot). FXIFY also carries unproven payout-denial allegations. Pick the exact plan, not the firm.
Side by side
| FXIFY | FTMO | |
|---|---|---|
| Has it paid me? | No. I haven't traded FXIFY | Yes, four times in 2026 ($26,138.16) |
| Programs | One Phase, Two Phase (Standard, Classic, Pro), Three Phase, Instant Funding, Lightning | 1-Step, 2-Step, Instant |
| Account sizes | $5,000 to $400,000 across programs (Instant up to $50K, Lightning up to $100K) | “Up to $200,000”; full size list not on the pages I read |
| Profit target | Standard 10% then 5%. Classic 5% then 10%. Pro 4% then 8%. One Phase 10%. Lightning 5%. Instant none | 2-Step 10% then 5%. 1-Step 10%. Instant none listed |
| Drawdown type | Standard trailing 10% (highest closed balance). Classic static 10%. Pro static 8%. One Phase trailing 6%. Three Phase static 5%. Instant trailing 8%. Lightning trailing 4% | 2-Step static 10%. 1-Step end-of-day trailing 10% (never decreases). Instant intraday balance-based trailing 10% |
| Daily loss | Standard, Classic, Pro 4%. One Phase 3%. Three Phase 5%. Instant 8%. Lightning 3%. Measured from the previous day's 5 PM EST closing balance, on real-time equity | 2-Step 5%. 1-Step 3%. Instant 3%. Reset at 00:00 Prague time from the prior day's closing balance |
| Consistency / best day | None on Standard and One Phase (FXIFY blog). Pro has none but a $4,000 daily profit cap. Classic 25% (funded) and Lightning 30% are third-party figures | 1-Step: best day at most 50% of total profit (orders from 12 October 2026; older accounts differ). Instant: 30%. 2-Step: none stated. Going over is not a breach; you keep trading |
| Minimum trading days | Homepage says no minimum for payouts. Evaluation days vary by program (third-party: about 3–5). Check the program page | 2-Step: 4 per phase (a day counts if you open a position), none once funded. 1-Step and Instant: none stated |
| Time limit | “Unlimited days” | Homepage says “no time limit”; unclear if that covers the challenge |
| Fees (one-time) | Pro (official blog): $129 for 10K up to $1,350 for 250K; 50K is $375, 100K is $599. Standard and Classic start around $59 for 5K per a third party (CryptoSlate); sources differ on One Phase, so I've left it out | No official price page readable. Third-party: 2-Step 50K €345, 100K €540; 1-Step 50K €319, 100K €499. Promos change these |
| Fee refund | Refunded with your first payout on request for 1, 2 and 3 Phase. Pro is not refundable (third-party) | 2-Step fee refunded after your first Reward request. 1-Step not refundable |
| Profit split | 80% base (third-party), up to 90% with a paid add-on | Instant 90%. 2-Step starting split not on the pages I read; the Scaling Plan reaches 90% |
| First payout | On demand from the first funded day on 1, 2 and 3 Phase, $50 minimum. Bi-weekly payouts are a paid add-on. Third-party: reviews take 2–3 business days | Not on the pages I read. For me, about 2–3 days to process. Scaling Plan: 4 months, 10% net profit and 2 Rewards for +25% growth |
| Platforms | TradingView, MT5, DXTrade (Lightning is MT5 only) | MT4, MT5, TradingView, cTrader |
| Instruments | “150+ symbols” incl. stocks; leverage 30:1 FX and gold, 10:1 indices, 5:1 oil, 2:1 stocks | Forex, indices, commodities, crypto, stocks |
| News / EAs | Allowed on One, Two and Three Phase; banned on Instant and Lightning (third-party) | Not checked |
| Trustpilot | 4.3/5 from 6,539 reviews (October 29, 2026) | 4.8/5 shown on ftmo.com (not verified by me) |
| Company | FXIFY Solutions Limited (UK company number 14451720), launched 2023. Not available to US residents | “Since 2015” |
Where the sources disagree
Drawdown: the biggest difference
FTMO's 2-Step is the simpler rule set: 10% maximum loss, static, so your floor never moves. FTMO's 1-Step trails your highest end-of-day balance, and its Instant account uses an intraday balance-based trail. FXIFY has more variety. Classic (static 10%) and Pro (static 8%) are the two with no trailing component, while Standard (10% / 5% targets), One Phase, Instant and Lightning trail. Don't assume a plan is static because its targets look familiar: Standard has the same 10% / 5% targets as FTMO's 2-Step but trails. If you only trade static drawdown on CFD firms, as I do, check the plan's drawdown type before you pay. Trailing vs end-of-day drawdown explains how the types differ.
Fees, refunds and payouts
FXIFY's entry tiers are lower, but its programs differ on refunds: 1, 2 and 3 Phase fees can be refunded with your first payout on request, while Pro is reportedly not refundable. FTMO's 2-Step fee comes back after your first Reward request; the 1-Step does not. FXIFY lets you request a payout from the first funded day on its standard programs, with a $50 minimum, but a 90% split and bi-weekly payouts are paid add-ons. Third-party sources add limits such as a $4,000 daily profit cap on Pro. FTMO's pages I read don't give a starting split or payout timing, so I can only speak to my own experience: about 2–3 days, four times. I can't say the same for FXIFY.
Where FXIFY wins
- Choice. One, Two and Three Phase, Instant and Lightning, with sizes from $5,000.
- Static options. Classic (10%) and Pro (8%) are static.
- Early payouts. On demand from the first funded day on its standard programs, per FXIFY's homepage.
- EAs and news allowed on One, Two and Three Phase, per a third party.
Watch out (FXIFY): several plans trail, and rules differ per plan, so it is easy to buy the wrong one. Trustpilot reviews and a competing reviewer describe payouts denied for alleged latency arbitrage with no trade-level evidence; FXIFY says it can't disclose its methods. These are allegations I have not verified. Other flags: a 60-day inactivity breach, paid add-ons for the 90% split and bi-weekly payouts, rule changes during 2026, and it is not available to US residents. Reviewers state its licence differently (Mauritius vs Labuan) and I haven't checked a register. I haven't traded FXIFY and it hasn't paid me, so start small and test a first payout.
Where FTMO wins
- Static 10% on the 2-Step and a fee refunded with your first Reward.
- Four platforms, including cTrader, plus TradingView.
- A long track record. FTMO says it has operated since 2015 and displays a 4.8/5 Trustpilot score on its own site (not verified by me). It has paid me four times.
Watch out (FTMO): its entry tiers appear higher than FXIFY's cheapest plans (third-party prices), I couldn't read an official price list, and the 1-Step fee is not refundable. The 1-Step trails end-of-day and has a 50% best-day rule on orders from 12 October 2026. On Instant accounts a withdrawal can breach the loss limit once the balance is above 110% of the start. The 2-Step needs 4 trading days per phase. It is a simulated-account service, not a regulated broker relationship, and so is FXIFY. I haven't searched regulator registers for either firm.
FXIFY fits if…
- You want a choice of program types, including instant or one-day plans
- You'll pick a static plan (Classic or Pro) and read the plan's rules first
- You accept payout-denial complaints and will test a small first payout
FTMO fits if…
- You want a static 10% drawdown and a refundable 2-Step fee
- You prefer a firm operating since 2015 with a visible rating
- You accept a higher fee, an unverified price list and 4 minimum trading days
FAQ
Is FXIFY or FTMO cheaper?
FXIFY has lower entry tiers according to its official Pro pricing and third-party listings for Standard and Classic. FTMO's fees come from third-party sites only, so check both checkout pages. FTMO's 2-Step fee is refunded after your first Reward request; FXIFY refunds 1, 2 and 3 Phase fees with your first payout on request.
Is FXIFY's drawdown static or trailing?
It depends on the plan. Per FXIFY's own blog: Classic is static 10%, Pro static 8% and Three Phase static 5%. Standard, One Phase, Instant and Lightning trail. FTMO's 2-Step is static 10%.
Has FTMO or FXIFY paid you?
FTMO has: four payouts in 2026, $26,138.16 in total. FXIFY has not paid me, and I haven't traded it.
Do FTMO and FXIFY allow EAs and news trading?
For FXIFY, a third-party source says EAs and news are allowed on One, Two and Three Phase and banned on Instant and Lightning. I didn't check FTMO's rule, so read its page before relying on either.
Are there discount codes?
I don't list any code for either firm. FXIFY runs its own public sales, which change often, so check the checkout for the current price.
Are these firms regulated brokers?
No. Both run simulated accounts, not a regulated brokerage relationship for your trading. I haven't searched regulator registers for either.
Full reviews: FXIFY · FTMO · E8 vs FTMO · FTMO vs FundedNext · Trailing vs end-of-day drawdown · all CFD firms