FXIFY vs FTMO: Deep Dive Comparison for Prop Traders

FXIFY vs FTMO: At-a-Glance Comparison

Account Sizes & Challenge Fees: Who Offers More Firepower?

FTMO accounts range from $10,000 to $200,000, with challenge fees from $155 to $1,080. FXIFY offers a much broader range, starting at just $1,000 and scaling to $400,000. However, the top-tier FXIFY challenge costs $1,899—nearly double FTMO's max fee.

• FTMO: $100K account challenge = $655; $200K = $1,080
• FXIFY: $100K = $499; $200K = $999; $400K = $1,899

If you want a small account, FXIFY's $1K and $5K options offer a low-cost way to get started. But for large accounts, FTMO's $200K cap means you'll need to scale, while FXIFY's $400K option is available upfront—if you can stomach the fee.

Drawdown, Profit Targets & Payouts: The Rules That Matter

Drawdown & Daily Loss Limits

Both firms set a 10% max drawdown and 5% daily drawdown. For a $50K account, this means you can't lose more than $2,500 in a single day and $5,000 overall. No edge here—rules are equally strict.

Profit Targets

Both require a 10% profit target to pass the challenge. On a $100K account, that's $10,000 in profit. This target is demanding, especially within FTMO's 30-day Phase 1 window.

Profit Split

Both start at an 80/20 split, scaling up to 90/10 for top performers. For example, if you make $20,000 in a payout period, you keep $16,000 at 80%—and $18,000 at 90% if you qualify for top tier.

Payout Timing

• FTMO: Reliable monthly payouts, with a track record of on-time payments.
• FXIFY: Allows first withdrawal on demand, potentially offering quicker access to profits.

Leverage & Trading Conditions: Subtle Edges

FTMO offers 1:100 leverage, while FXIFY gives 1:50. Double the leverage at FTMO means you can take larger positions with less margin, but also face higher risk of breaching drawdown limits.

For traders using EAs or high-frequency strategies, FTMO's higher leverage may allow more flexibility. FXIFY's lower leverage will force more conservative position sizing and may be a limiting factor for aggressive day traders.

Trading Rules: News, Weekend, and EAs

• Both allow news trading, weekend holding, and EAs.
• FTMO restricts swing trading during major news events—so if you hold positions through FOMC or NFP, check the fine print.
• FXIFY's challenge types vary—some have stricter rules, so read each program's T&Cs carefully.

Bottom line: Both are flexible, but FTMO's news restrictions can catch swing traders off guard. FXIFY's rules can change between account types, so verify before you start.

Scaling Plans: How Big Can You Grow?

FTMO Scaling

After four months of consistent profitability, FTMO can scale your account up to $2 million. This is one of the most generous scaling plans in the industry. For context, if you start with $100K, you can double to $200K, then $400K, and so on, provided your trading meets their criteria each time.

FXIFY Scaling

FXIFY offers "institutional-grade" scaling, but the concrete path is less transparent. The public cap is $400K, and while they mention further scaling, the requirements are described as "tough" and may involve additional evaluation or capital allocation hurdles.

Instrument Selection & Platform Choice

• FTMO: Forex, indices, commodities, crypto, stocks—broad coverage, strong platform stability.
• FXIFY: Over 300 symbols, including stocks, but platform selection is more limited.

If you trade niche instruments or want flexibility, FTMO's multi-asset access is a plus. FXIFY's wide symbol list is good, but check platform compatibility if you rely on specific tools.

Evaluation Process & Challenge Experience

FTMO

FTMO's evaluation is known for being strict but transparent. You get 30 days for Phase 1 and 60 days for Phase 2, with a minimum of 4 trading days. Free retakes are available if you don't hit the target but stay within risk limits.

FXIFY

FXIFY offers an unlimited trading period, which is a huge advantage if you want to take your time. Minimum trading days are 5—just one more than FTMO. However, some FXIFY programs have more restrictive rules (e.g., stricter lot sizes or maximum position limits), so check the details.

Fees & Value: What Are You Really Paying For?

FTMO's challenge fees are higher than some competitors, but you get a highly trusted brand, robust infrastructure, and proven payout reliability. FXIFY's fees are lower at the entry level, but rise steeply for $400K accounts.

Both refund your fee if you pass the challenge and get funded. However, if you plan to scale with FTMO, you may end up paying multiple challenge fees as you move up. With FXIFY, you can buy straight into a $400K account—but that's a $1,899 one-off risk.

Reputation, Support, and Community

• FTMO: 4.8/5 rating, considered the industry gold standard. Widely trusted, strong educational resources, and responsive support.
• FXIFY: 4.4/5 rating, newer but gaining traction. Support is generally responsive, but the brand doesn't have FTMO's longevity or scale.

If reliability and reputation are your top priorities, FTMO is still the benchmark. FXIFY is solid, but less proven at scale.

Who Should Choose FTMO?

• Traders seeking a proven, reliable prop firm with $2M scaling potential.
• Those comfortable with a strict 30-day challenge window and higher challenge fees.
• Anyone needing 1:100 leverage or wanting to trade a wide range of instruments on robust platforms.
• Swing traders who can work within FTMO's news event restrictions.

Who Should Choose FXIFY?

• Traders wanting to start small ($1K, $5K) or go big right away ($400K).
• Those who need unlimited time to pass the challenge.
• Traders who want first withdrawal on demand and quick access to profits.
• Algorithmic traders who need to run EAs, news trading, and weekend holding across many symbols.

Non-Obvious Trade-Offs: What Most Reviews Miss

• Leverage vs. Drawdown: FTMO's 1:100 leverage is a double-edged sword. It's great for advanced risk managers, but makes it easier to breach daily loss limits if you're not careful.
• Challenge Duration: FXIFY's unlimited period is a hidden edge for part-time traders or those with inconsistent schedules.
• Scaling Certainty: FTMO's scaling plan is transparent and reliable. FXIFY's is more opaque—if you want to manage $2M+, FTMO is the safer bet.
• Fee Structure: FXIFY's $400K challenge fee is steep. If you fail, your sunk cost is high. FTMO's stepwise scaling spreads the risk over time.
• Rules Variation: FXIFY's multiple challenge types mean you must read the fine print for each. FTMO's rules are more standardized.

Bottom Line: Which Firm Wins for You?

FTMO remains the industry leader for reliability, scaling, and platform quality. Its 4.8/5 rating, up to $2M scaling, and strong trader community make it the safest choice for serious traders aiming for long-term growth—even if the challenge is tough and the fees are higher.

FXIFY is the flexible upstart. It offers unique options for ultra-small or ultra-large accounts, unlimited time to pass, and fast first withdrawals. If you want to trade $400K right away or need the breathing room of unlimited challenge duration, FXIFY is worth considering—just factor in the higher risk and potential for strict rules depending on your chosen program.

Still on the fence? Use the PropSurvivalEngine comparison tool to model your own numbers, or check each firm's risk health grade before you commit.