FTMO Payout Rules Explained: Profit Split, Timing & Withdrawal Methods (2026)

FTMO payout rules allow eligible FTMO Traders to request a Reward from the 14th day after their first placed trade, provided the account is in profit, all positions and pending orders are closed, and the Trading Objectives and Account Agreement have been fulfilled. FTMO then reviews the request – typically within 1-2 business days – before sending the Reward.

Many traders still lose part of their earnings simply by misreading this timeline: assuming the 14-day window starts on account creation rather than the first trade date, or overlooking the extra requirements that apply to FTMO US accounts.

The sections below walk through the full payout process – from eligibility and timing to withdrawal limits, Global vs US requirements, and the rules that can block a Reward.

1. FTMO payout rules – profit split, how much do you keep? 

FTMO pays traders 80% of simulated profits by default, with the option to raise that to 90% once specific conditions are met. Which split applies to you from day one, though, depends entirely on which challenge product you chose.

The 80/20 split is the standard starting point for FTMO Challenge: 2-Step accounts. From there, traders can move up to a 90% split in two ways: by meeting the requirements of the Scaling Plan, or by qualifying for the Premium Programme.

According to official terms on ftmo.com, qualifying for the Scaling Plan requires satisfying four core criteria: completing at least 4 months as an FTMO Trader, generating a minimum 10% net simulated profit, securing at least two processed Rewards, and maintaining a positive balance at scale-up.

Meeting these benchmarks triggers a 25% balance increase every four months. This progression allows traders to scale their capital up to a maximum of $2,000,000, while permanently upgrading their profit split to 90%.

Some third-party review sites describe slightly different Scaling Plan conditions, such as “10% over three consecutive profitable months.” That phrasing reflects an older version of the program. The figures above come straight from FTMO’s current official page and should be treated as the accurate benchmark.

2. FTMO Challenge – 1-Step vs 2-Step: payout rules are different too 

FTMO’s 1-Step and 2-Step accounts follow different payout structures. 1-Step pays 90% from the very first Reward, while 2-Step starts at 80% and rises to 90% through the Scaling Plan or Premium Programme.

The difference isn’t only the split percentage – it also affects whether Rewards can be rolled back into the account balance.

2.1. Profit split from day one – 90% (1-Step) vs 80%→90% via Scaling 

The 1-Step Challenge pays 90% of simulated profits from the first Reward, with no Scaling Plan requirement.

However, the Reward can still only be requested from the 14th day after your first trade – 1-Step removes the scaling requirement, not the waiting period.

The 2-Step Challenge starts at 80%, but allows Reward rollover – keeping profits on the account to build a larger drawdown buffer, with a minimum rollover amount of $20.

Reaching 90% on a 2-Step account requires qualifying for the Scaling Plan or Premium Programme first.

2.2. Premium Programme benefits apply only in limited scope for 1-Step traders 

The Premium Programme has two status levels – Prime and Supreme – followed by a potential career path with Quantlane, a traditional proprietary trading firm under the FTMO Group.

The Premium Programme and the Scaling Plan run independently, and traders can join both at once. For 1-Step traders specifically, joining brings no additional split increase — since 1-Step already starts at 90%. 1-Step traders also remain ineligible for the rollover bonus. Outside these two exceptions, Premium Programme benefits are identical across both challenge types. 

Prime requires: an active FTMO Account, no failed FTMO Accounts in the previous 4 months, and at least 4 successful Reward withdrawals of 4% or more. Benefits include a 90% split (for accounts not already on 1-Step), a free Challenge re-entry, and up to $600,000 in capital allocation.

Supreme requires: an active $400K Prime account, maintaining Prime status for at least 3 months, and processing 3 additional Rewards at 4%+ profit each. It removes the Maximum Daily Loss limit, unlocks immediate Reward withdrawals, and raises the capital ceiling to $1M.

3. When can you request your first FTMO payout? 

You can request your first Reward from the 14th day after your first placed trade on that account, or any day after – not from the day the account was funded or activated. This single distinction resolves the most common source of confusion around FTMO’s payout timing.

For example, if you place your first trade on April 1, the earliest you can submit a Reward request is April 15. This calculation applies identically on both FTMO Global and FTMO US.

Two conditions must be met at the time of the request: the account needs to be showing a positive profit, and there can be no open positions or pending orders. FTMO’s FAQ does not describe any fixed cycle for subsequent requests – only the first payout has an explicit 14-day condition.

4. How FTMO payouts work, step by step 

FTMO’s payout process starts once you become eligible on day 14 after your first trade. From there, you submit a Reward request in Account MetriX, complete FTMO’s review, and receive the funds after approval. 

1. Confirm eligibility inside Account MetriX: at least 14 days since your first trade, and a positive account balance.
2. Close all open positions and pending orders.
3. Submit the Reward claim directly through Account MetriX.
4. FTMO reviews the request, typically within 1- 2 business days.
5. Once approved, submit the required payout details through the FTMO Traders portal.
6. The Reward is sent within another 1- 2 business days after the invoice is approved.

In practice, the full process from request to funds received usually takes about 2-4 business days. FTMO US follows the same flow, with one extra mandatory step on the first Reward – covered below.

5. Withdrawal methods & limits 

FTMO offers four withdrawal methods, each with its own limits.

FTMO does not charge its own commission on Reward withdrawals. The $20 and $50 minimums exist purely to cover third-party transaction costs from banks or blockchain networks, not fees collected by FTMO itself.

6. FTMO Global vs FTMO US – payout rules are different 

FTMO Global and FTMO US use the same core Reward timing and profit-split structure – 14 days from first trade, 80% → 90% split.

What differs is paperwork: FTMO US traders must submit IRS Form W-9 and prove ownership of a qualifying US bank account as part of their first Reward request. Fintech/digital platforms like Wise or Chime are not accepted – only a licensed, fully regulated bank.

This isn’t a minor formality. A trader who cannot complete the W-9 process or prove bank ownership becomes ineligible to receive any Rewards, even after trading profitably.

6.1. Withdrawal method, tax forms & regulatory disclaimer compared 

FTMO’s official terms are explicit about the bank requirement: fintech and digital payment platforms like Wise or Chime are not accepted – only a licensed, fully regulated US bank qualifies.

Residents of certain US states may also face extra eligibility restrictions. Traders should verify their specific location requirements directly on ftmo.oanda.com before trading.

6.2. Profit split & Reward cap – Global vs US compared 

Based on FTMO US’s official FAQ, the split structure mirrors FTMO Global exactly: up to 90% of simulated profits, starting at 80% on the base product and rising to 90% through the Scaling Plan. There is no confirmed difference in split percentage or reward cap between the two regions.

6.3. Which entity processes your payout? 

JV Prop Corporation, a US-registered company under the FTMO Group, handles the Evaluation Process.

Meanwhile, OANDA Prop US Corporation (under the OANDA Group) manages the Rewards Account. This operates through a Signal Provider Program, requiring US traders to sign a Signal Provider Agreement rather than a standard brokerage contract.

This matters practically: FTMO US is structured as an educational, simulated program. It does not create a brokerage relationship with OANDA’s regulated brokerage arm, so traders don’t receive the same regulatory protections that come with a licensed brokerage account.

7. Worked example: how much you’d actually receive 

On a $100,000 FTMO account generating $10,000 in profit, you would receive $8,000 at the 80% split or $9,000 at the 90% split, before any third-party transaction costs.

Here’s how those figures work: at the base 80% split, FTMO retains $2,000. Once the account qualifies for the Scaling Plan and moves to 90%, the same $10,000 yields $9,000 – a $1,000 improvement on identical trading performance.

A 1-Step account reaches that same $9,000 immediately, on its very first Reward, without needing four months and two processed Rewards to get there.

Side by side, these numbers make the structural trade-off between the two challenge types concrete rather than abstract.

8. Rules that can block your payout 

Only funded-stage violations – not evaluation-stage rule breaches – can block a Reward you’ve already earned.

Evaluation-stage rules decide whether you pass and get funded:

• Maximum Daily Loss: 5% (2-Step) / 3% (1-Step)
• Maximum Loss: 10% overall
• Minimum Trading Days: 4 days (2-Step only) – 1-Step has no fixed day count, but the Best Day Rule effectively requires multiple profitable days
• Best Day Rule (1-Step only): your best day can’t exceed 50% of total Positive Days’ Profit. Going over isn’t a violation – you just keep trading until the ratio drops to 50% or below.

Funded-stage rules can forfeit a Reward you’ve already earned:

• Exploiting pricing or platform errors
• Coordinated trading across linked accounts
• Unauthorized high-speed software
• Gap trading: opening/closing trades within 2 minutes before or after a restricted news release, or within 2 hours of a market closing for 2+ hours

Excessive server requests from EA use, artificial profit-splitting to dodge the Best Day Rule, and account sharing also fall into this category. Consequences range from removal of specific trades up to forfeiture of pending Rewards or termination of the trader agreement, depending on severity.

9. How much has FTMO paid out in total? 

As of the most recent figures published directly on ftmo.com, FTMO has paid out more than $650 million in Rewards to traders worldwide, across 4.5 million-plus customers in over 140 countries, with a Trustpilot rating of 4.8 out of 5. This total climbs continuously, so it’s worth re-checking the live figure on ftmo.com before citing it elsewhere.

10. Similar prop firms & how their payout rules compare 

This comparison focuses purely on payout mechanics – split, timing, and methods – not the full scope of each firm’s evaluation rules. If you’re weighing FTMO more broadly, our full FTMO review covers the Challenge structure, pricing, and trading conditions in more depth, and our prop firm comparison page is a useful next stop if payout speed specifically is your priority.

11. FAQs

12. Conclusion

Successfully receiving your trading rewards comes down to disciplined account management and strict adherence to official FTMO payout rules. By double-checking your 14-day first trade timestamp, closing all open positions before submitting a request, and choosing the right withdrawal channel, you can ensure your reward processing remains fast and predictable.

To see how FTMO ranks against alternative evaluation providers in terms of payout speed, profit split potential, and payout limits, check out our guide to the best prop firms or Prop Firm Guides on H2T Funding.

What payout method do you plan to use for your next reward withdrawal? Feel free to drop a comment below with your questions or personal experiences, and our team will be happy to support you!