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.
Full FTMO and FXIFY Reviews
Frequently Asked Questions
Which is cheaper, FTMO or FXIFY?
FXIFY is cheaper to start, with a minimum challenge fee of $79. FTMO starts at $89 and FXIFY starts at $79. Cheaper entry doesn't always mean better value — check the profit split, account ceiling, and payout reliability before deciding.
Which has the better profit split, FTMO or FXIFY?
FTMO offers 80% and FXIFY offers 80% (up to 90%). Note: most prop firms scale the split with consecutive payouts, so the headline number is just the starting point.
Can I run the same EA on both FTMO and FXIFY?
Yes — both firms support MT4 and MT5 and cTrader and DXtrade, so any EA compiled for those platforms will run on both. You'd still need to verify each firm's news-trading and scalping rules to make sure your strategy is allowed.
Which is more reputable, FTMO or FXIFY?
FTMO (founded 2015) has the longer track record. FXIFY was founded in 2023 and is still building its payout reputation. For larger account sizes the older firm is usually the safer pick.
Which is better for swing traders, FTMO or FXIFY?
Swing traders need to check two things: (1) whether the firm allows weekend holds, and (2) whether the daily drawdown is static or trailing. Trailing DD is brutal for swing positions because intraday peak equity becomes the new floor. See the Pros/Cons section above for each firm's specifics.
Can I use both FTMO and FXIFY simultaneously?
Yes — most prop firms allow you to hold multiple accounts at different firms (their rules apply only to their own accounts). Some traders deliberately diversify across 2-3 firms to reduce single-firm risk and stack payouts.