FTMO Payout Rules 2026: 80%–90% Split, 14-Day Cycle & Fee Refund

FTMO Payout Overview: Key 2026 Specs at a Glance

Once you pass both stages of the evaluation—the FTMO Challenge (10% target) and the Verification (5% target)—and complete KYC/contract signing, you transition to a simulated FTMO Account. Below are the verified 2026 reward rules for FTMO:

How FTMO's 14-Day Profit Split Day Works

On an FTMO Account, your default Profit Split Day is set to one month after your first trade, but FTMO allows you to advance or adjust your Profit Split Day to any date between 14 and 60 calendar days from your first trade.

1. Place Your First Trade: Your payout timer begins the day you open your first position on the FTMO Account.
2. Wait at Least 14 Calendar Days: As long as your account is in net positive profit with no breached FTMO drawdown rules and no open trades at cut-off, you can move your Profit Split Day up to Day 14 in the Client Area.
3. Invoice Confirmation & Fee Refund: On your first Profit Split Day, FTMO adds your 100% Challenge fee refund (for example, €540 on a $100K account) on top of your 80% reward split.
4. Processing Window: Once you confirm the reward invoice in your trader dashboard, FTMO states that payouts are processed within 1 to 2 business days (typically within 8–24 hours via Skrill, crypto, or card transfer).

You can calculate your exact net take-home payout plus fee refund using our Prop Firm Profit Split Calculator.

How to Unlock the 90% Split: FTMO's 4-Month Scaling Plan

Unlike firms that sell a 90% split as a paid checkout add-on, FTMO unlocks its 90% reward split and 25% balance increases through its Scaling Plan. To qualify at the end of a 4-month review cycle, you must meet four objective rules:

1. 10% Net Simulated Profit over 4 Months: Generate at least 10% total net profit across four consecutive monthly cycles (equivalent to an average of 2.5% per month on the initial balance).
2. At Least 2 Profitable Payouts: Process at least two reward withdrawals during the 4-month period.
3. Positive Account Balance at Review: Your account balance must be at or above the baseline starting balance at the moment of scaling assessment.
4. Clean Rule Record: No breaches of the 5% daily loss or 10% static maximum loss limits.

When all four criteria are met, FTMO increases your simulated account allocation by 25% of the original starting balance (up to a $2,000,000 ceiling) and upgrades your reward share from 80% to 90%.

Do You Need to Leave a Buffer in Your FTMO Account After Payout?

When you withdraw 100% of your closed simulated profits on Profit Split Day, FTMO resets your account balance back to your initial starting balance (for example, $100,000). Because FTMO's 10% Maximum Loss is static at $90,000, resetting to $100,000 leaves you with your full $10,000 overall drawdown buffer and $5,000 daily loss buffer.

Optionally, FTMO allows you to leave a portion of your simulated profits inside the account as an extra drawdown cushion for the next cycle rather than withdrawing the full amount.

Multi-Provider Comparison: How FTMO Payouts Compare to Faster Prop Firms

Traders who want shorter payout waiting periods, on-demand reward options, or up to a 100% profit split often compare FTMO against The5ers, FunderPro, BrightFunded, and FundedNext:

• FunderPro is built for traders who prioritize fast reward access, stating an average processing turnaround of roughly 8 hours alongside static drawdown rules (use code hnltrading for 15% off).
• The5ers scales funded accounts at every 10% profit target on Hyper Growth—without waiting for a 4-month timer—and increases profit splits all the way to 100% on upper tiers.
• BrightFunded offers optional weekly payout add-ons at checkout and scales traders up to a 100% split with stated processing under 24 hours.
• See our FundedNext Payout Rules 2026 guide to compare how FundedNext's 15% evaluation phase reward works.

FTMO Payout Rules: Your Questions Answered

How long does it take to get the first payout from FTMO?

You can schedule your first Profit Split Day 14 calendar days after placing the first trade on your funded FTMO Account. Once you confirm the payout invoice, FTMO typically processes the payment within 1 to 2 business days.

Does FTMO refund the evaluation fee?

Yes. FTMO refunds 100% of your initial FTMO Challenge fee together with your first Profit Split withdrawal from the FTMO Account.

Is there a consistency rule on FTMO payouts?

FTMO does not enforce a strict mathematical single-day profit percentage cap on standard FTMO Challenge or Verification accounts, though FTMO's contract terms prohibit abusive gambling practices such as all-in margin exhaustion around news ticks.

What payout methods does FTMO support in 2026?

FTMO supports regular bank wire transfers, instant card transfers (Visa Direct / Mastercard Send up to $20,000), Skrill, and major cryptocurrencies.

Related Prop Firm Guides

• FTMO Drawdown Rules 2026: 5% Daily Loss & 10% Max Loss Explained
• FTMO vs FundedNext 2026: 2-Step Rules, Price and Payouts
• FundedNext Payout Rules 2026: 15% Challenge Share & Reward Cycles
• Prop Firm Profit Split Calculator: Estimate Net Payouts & Fee Refunds
• Side-by-Side Comparison Tool: Compare Prop Firm Rules & Fees