FTMO Crypto Prop Firm: Programme Rules and Fees

Overview of FTMO

FTMO offers 31 crypto CFDs with a 0.065% commission, but leverage is capped at 1:3.33 on every coin and funded Standard accounts must close positions before the weekend close or any market break longer than two hours. Crypto traders who want to hold positions over the weekend on a funded account need the Swing account.

Who FTMO Suits

FTMO suits traders who want an established firm, having operated since 2015. Its 2-Step Challenge fee is refunded with the first reward once the evaluation is passed, and it serves United States residents through a partnership with OANDA. Australian residents can use FTMO Australia, operated by VRGK Tech Pty Ltd under ASIC licence number 525757.

Crypto-first traders should weigh the fork before paying. The 31-pair list at 1:3.33 sits well behind the dedicated crypto firms on both depth and leverage, and anyone planning to hold crypto positions over the weekend must take the Swing account, because funded Standard accounts restrict weekend holding and holding through market breaks longer than two hours, and the 1-Step has no Swing option at all.

FTMO Account Models Compared

The Standard 2-Step is the classic FTMO route: two demo phases stand between you and a funded account, each needing at least four trading days, the fee comes back in full with your first reward, and the maximum loss limit is static so a winning account cannot be squeezed by its own gains.

Swing costs roughly a third more at each size and removes exactly the rules that hurt crypto traders. Overnight and weekend holding are allowed, news restrictions do not apply, and the targets and drawdowns are identical to Standard. For anyone trading a 24/7 market with positions held over the weekend, the price gap between Standard and Swing is the real cost of trading crypto with FTMO.

The 1-Step is the cheapest way in and the only model that pays 90% from the first reward, earning those terms through tighter conditions elsewhere: its fee is never refunded, the daily loss limit is 3% rather than 5%, and the maximum loss trails your best end-of-day balance. A Best Day Rule also applies, and with no Swing variant available a funded 1-Step account always carries the Standard weekend and market-break holding restrictions.

Crypto Trading Fees

FTMO charges a one-off fee for each challenge, with nothing recurring behind it. Platforms, data feeds and reward processing all cost nothing, so the entry fee is the complete price of trying, and on the 2-Step it comes back in full with your first reward.

This review does not supply a retained dated quote sample to establish the historical spreads previously described here. Before comparing costs, check the exact commission basis for the instrument you plan to trade, the current bid/ask spread shown on the platform, and the programme conditions that apply to your account. Fee structures can differ by account type and programme, so verify the numbers that apply to you rather than relying on comparisons in this review.

Euro pricing is the one structural niggle. Every rival we compare FTMO with prices in US dollars, so most traders pay a conversion spread on top of the listed fee, and the per-size costs move with the exchange rate. Against that, the 2-Step refund arrives with the first reward rather than being staged across several payouts.

Trading Rules and Drawdown

FTMO's rules differ more by model than by phase, and the sharpest restrictions only arrive after funding, so the fair way to read this table is by column rather than by row.

Both loss limits track equity, meaning open profit and loss counts against you, not just closed results. The daily limit resets at 00:00 CE(S)T against your balance at that moment, and the 2-Step's maximum loss never moves from 10% below your starting balance. Its 1-Step counterpart trails your best end-of-day balance and only comes back down when a reward withdrawal resets the account.

Funding and Withdrawals

FTMO pays on a fixed rhythm rather than a queue. Rewards can be requested every 14 days, the account is reviewed within 1 to 2 business days, and the withdrawal itself lands in a further 1 to 2 business days once the invoice is confirmed.

Profit Split

The split you trade on depends on the route you took in. Passing the 2-Step starts you at 80% of simulated profits, with the Scaling Plan lifting it to 90% once its conditions are met. Qualifying through the 1-Step pays 90% from the first reward, which is the model's core selling point and the counterweight to its tighter drawdown and Best Day Rule. Rewards can also be left on the account instead of withdrawn, building balance and drawdown buffer for larger positions.

Withdrawals

Scaling and Funded-Account Terms

FTMO caps starting capital and then grows it on a published schedule. The maximum initial allocation is $400,000 per trader across all FTMO Accounts combined, whether reached through one large account or several smaller ones, and merging accounts is allowed within that ceiling.

The mechanics are unusually concrete for this industry. Meeting the requirements earns a 25% balance boost each four-month cycle, so a trader at the $400,000 cap moves to $500,000, then $600,000, with the daily and maximum loss limits recalculated on the new balance at the same 5% and 10% proportions. Growth continues to a hard ceiling of $2,000,000, and the 2-Step's split rises to 90% along the way.

Trading Platforms and Tools

Outside the US, FTMO runs MT4, MT5 and cTrader across every challenge type and account size, with the full symbol list available on each. Platform choice carries no fee, and automation is unrestricted, so EAs, copy trading between your own accounts and trade copiers all work without a paid add-on.

MetaTrader 4

MetaTrader 5

cTrader

Desktop, web and mobile versions are available for all three platforms, and FTMO supplements them with its own account dashboard and an application suite covering trade journaling and analysis. The dashboard is where rewards are requested and where the Best Day Rule and drawdown limits are tracked live, which matters more here than at most firms given how much of FTMO's rulebook is measured on end-of-day numbers.

Crypto Markets and Coverage

FTMO lists 31 crypto CFDs, all quoted against the US dollar and all simulated. The list covers every major plus a long mid-cap tail, and Solana is on it, which matters because the nearest general-firm rival cut its crypto list to nine pairs without SOL.

BTC

ETH

SOL

XRP

ADA

DOGE

LTC

AVAX

+23 more

The full list runs BTCUSD, ETHUSD, SOLUSD, XRPUSD, ADAUSD, DOGEUSD, DOTUSD, LTCUSD, BCHUSD, BNBUSD, LNKUSD, XLMUSD, UNIUSD, AAVUSD, ALGUSD, XTZUSD, ETCUSD, XMRUSD, DASHUSD, NEOUSD, ICPUSD, GRTUSD, IMXUSD, FETUSD, MANUSD, SANUSD, GALUSD, VECUSD, NERUSD, BARUSD and AVAUSD.

Leverage

Leverage is the constraint to understand before paying. Every crypto pair runs at 1:3.33, meaning each dollar of simulated balance controls $3.33 of exposure, and the figure is fixed across models and account sizes. That sits above FundedNext's 1:1 but well below the 1:5 the dedicated crypto firms offer on majors, and the account-level leverage FTMO advertises (1:100 Standard and 1:30 Swing) does not apply to crypto, so treat 1:3.33 as the only number that matters here.

Trading Hours and Holding

FTMO vs FundedNext vs Topstep

FundedNext undercuts FTMO on entry price and tops it on maximum split, and Topstep offers the only exchange-listed crypto route, but both trail FTMO on crypto coverage.

FTMO offers 31 crypto CFDs, against nine at FundedNext and two crypto futures contracts at Topstep. Its 2-Step fee is refunded with the first reward, so a passing trader can recover the entry cost. On funded Standard accounts, positions must be closed shortly before the weekend market close, or before a rollover lasting longer than 2 hours; Swing accounts, available only in the 2-Step, have no such restriction.

FundedNext is the value pick of the trio. Entry starts at $32.99 against FTMO's euro pricing, payouts run on a 24-hour cycle with USDT and USDC withdrawals, and the split can reach 95% with a paid add-on. The crypto offer is where it gives the ground back, with nine pairs at 1:1 leverage covering the majors and little else.

Topstep is the structural outlier. Its crypto exposure comes through CME-listed Bitcoin and Ether micro futures rather than simulated CFDs, so pricing and margin follow a regulated exchange, and the firm has operated since 2010, longer than anyone in this comparison. Coverage is the trade-off, two products against FTMO's 31, and the monthly subscription keeps billing until you pass.

Trust and Safety

FTMO discloses its corporate structure in detail. The company has operated since 2015, names its legal entities with street addresses and publishes the legal documents behind its products.

Legal Entities

Every FTMO account is a demo account trading fictitious capital, with the reward being the real-money share of simulated profits. The firm states this plainly across its sites and legal documents rather than burying it, and we treat that candour as a point in its favour, since the prop firms worth avoiding are the ones that blur what is being traded.

Australian residents get something genuinely different. The funded account is issued to them as a financial product, a derivative under Australian law, by an AFSL holder that publishes a Product Disclosure Statement, a Financial Services Guide and a Target Market Determination, bringing ASIC's design and distribution obligations into play. That framework covers Australian clients only, and the product everywhere else remains a demo offering from the Czech entity.

FTMO's homepage reports more than 4.5 million customers, more than $650 million paid in rewards and service to more than 140 countries (checked 9 October 2026).

Our Verdict on FTMO

The 2-Step fee comes back in full with your first reward, the 2-Step drawdown is a static 10%, three platforms run EAs and copy trading without add-on fees, and payouts follow a published 14-day rhythm backed by ten years of processing at scale.

Crypto is where the compromises live. The 31-pair list includes Solana, but leverage is fixed at 1:3.33, and funded Standard and 1-Step accounts must close positions before the weekend close or any market break longer than two hours. The Swing account removes those restrictions for roughly a third more in entry fees, and any crypto trader who holds positions over the weekend should treat Swing as the real FTMO price.

The 1-Step suits a narrower reader than its 90% headline split suggests. Its fee is never refunded, the daily limit tightens to 3%, the drawdown trails your best end-of-day balance, and the Best Day Rule reaches into every payout, with no Swing option to lift the holding bans. Confident intraday traders get the best split in the lineup from day one, and everyone else gets better odds on the 2-Step.