FTMO vs FXIFY: Which Prop Firm Wins in 2026?
Side-by-side breakdown of rules, fees, payouts and who should pick which.
Quick Verdict
FXIFY wins on value — lower entry fee ($79 vs $89) with equal or larger max account size. FTMO may still win on payout reliability and trader reputation if those matter more to you.
Head-to-Head Comparison
| Metric | FTMO | FXIFY |
|---|---|---|
| Founded | 2015 | 2023 |
| HQ | Prague, Czech Republic | London, UK |
| Market | Forex/CFD | Forex/CFD |
| Minimum fee | $89 | $79 |
| Account size range | $10,000 – $200,000 | $10,000 – $400,000 |
| Profit split | 80% | 80% (up to 90%) |
| Payouts | Monthly (on-demand after first) | Bi-weekly (on-demand after 2 payouts) |
| Challenge model | 2-step (Challenge + Verification) | 1-step, 2-step, or 3-step (trader picks) |
| Platforms | MT4, MT5, cTrader, DXtrade | MT4, MT5, cTrader, DXtrade |
FTMO Pros
- Longest-running major prop firm — proven track record since 2015
- Strong reputation and reliable payouts (TrustPilot 4.8)
- Generous 80% profit split, scalable to 90%
- Allows EAs, scalping and news trading on most accounts
FXIFY Pros
- Choice of 1/2/3-step models — pick your own difficulty vs reward curve
- Up to $400K account size — largest in the industry
- Add-ons (no time limit, 90% split, 125% refund) let you customise risk
- UK-regulated parent makes payouts legally enforceable
Who Should Pick Which?
Pick FTMO if: Serious traders who value reputation and payout reliability over cheap fees.
Pick FXIFY if: Traders who want to customise challenge parameters rather than accept fixed rules.
Test Both Against Your Strategy — Before You Pay
Run your backtest through JPTradingCapital's Prop Firm Checker — we evaluate your trades against FTMO's and FXIFY's exact rulesets and tell you which one your strategy would actually pass.