FTMO Challenge Discount: Every Way to Pay Less for Your Next Challenge

FTMO does not run constant sales. There is no permanent coupon code, no loyalty percentage that stacks with every purchase, and no "buy one get one free" challenge deal. The published discounts are the Prime Programme (10% off FTMO Challenges) and the fee refund that returns your fee after your first payout.

Here is every way to reduce what you actually pay for an FTMO challenge, ranked from most impactful to least.

Does FTMO Offer Discounts?

Not in the way most traders expect. FTMO does not run flash sales, does not publish promo codes on social media, and does not offer volume discounts for buying multiple challenges at once.

What FTMO does offer is a small number of structured discount paths that reward repeat, profitable traders. These are not marketing gimmicks. They are built into the platform.

Here is every discount mechanism FTMO currently supports:

Seasonal promos are the ones traders chase hardest and catch least. FTMO runs them maybe once or twice a year, and not in every year: the verified record of what FTMO has done on Black Friday covers 2023, 2024 and the Cyber Monday sale of 2025. When they happen, they are announced on the FTMO website and email list, not buried in a YouTube video or a Discord channel.

If you are waiting for a promo to start your first challenge, stop waiting. The fee refund on its own is worth more than any seasonal discount, because it returns 100% of the fee rather than slicing 15% off the top.

Offer Status, Checked 25 October 2026

Coupon aggregators rank for this page by listing codes that never worked. Here is the state of every FTMO saving, verified against ftmo.com on 25 October 2026.

That table is the whole answer to "is there an FTMO discount code". There is not, and the two savings that are real, the 2-Step refund and the conditional $100K pricing, are worth far more than the 10% to 20% codes aggregators advertise.

Black Friday 2026: Expected, Not Confirmed

Black Friday falls on Friday 27 November 2026. As of 28 October 2026, FTMO has announced nothing for it, so treat any "FTMO Black Friday discount" you see this early as speculation. Based on the firm's own record, a seasonal offer is expected but not confirmed.

The verified history gives the shape, not a promise. FTMO ran 20% off in 2023 and 10% off undiscounted challenges in November 2024 (both from FTMO's own channels, documented in our FTMO Black Friday history). In 2025 there was no Black Friday-window offer at all: the verified seasonal sale was a Cyber Monday 20% on 1 December 2025, and the conditional $100,000 promo ran alongside it.

So the honest expectation for 2026 is a short window somewhere between late November and 1 December, at roughly 10-20% off, announced only on ftmo.com and FTMO's email list.

How to check if it is live right now: look for the promo banner on the ftmo.com homepage and compare the checkout price against the standing figures in our FTMO account prices guide. If the price at checkout matches €399/€439 on the $100K accounts and nothing else is advertised, no seasonal discount is running. I will update this section the day anything is confirmed.

The Fee Refund: The Biggest "Discount"

This is the discount most traders overlook because it does not feel like a discount. It feels like a refund, and refunds happen after the fact, not at checkout.

But the math is simple, with one boundary. On the 2-Step, FTMO returns 100% of the challenge fee with your first reward, every euro of it. On the 1-Step and the Instant Account, FTMO’s refund FAQ (checked 25 October 2026) states the fee is not refundable.

The catch is obvious: you only get the refund if you pass. Fail the challenge, and the fee is gone. No partial refund, no credit toward a retry, no consolation prize.

This is why the fee refund is both the biggest discount and the most conditional one. It rewards the outcome (passing) rather than the intent (buying). For traders who are prepared and have run the free trial, the refund makes FTMO effectively free. For traders who buy a $200K challenge on impulse and fail in three days, the €1,080 is gone.

Plan for at least two attempts when you budget. If you pass on the first try, the cost was zero. If you fail once and pass on the second, you paid one entry fee. That is still cheaper than most traders expect, because the refund on the successful attempt covers that challenge's fee.

The refund applies to the 2-Step at every account size, with no exclusions. FTMO’s refund FAQ (checked 25 October 2026) excludes the 1-Step and Instant Account fees. It remains the most generous refund policy among the major prop firms, but it is a 2-Step benefit, not a sitewide one.

Prime Programme: 10% Off FTMO Challenges

The Prime Programme is FTMO's loyalty tier for profitable funded traders. It is not a discount club you buy into. You earn it by performing on a funded account.

How to qualify:

• Hold an active FTMO Account.
• Complete at least 4 reward withdrawals of 4% or more.
• Have no failed FTMO Account initiated from the 1-Step or 2-Step Challenge in the past four months.
• Your account must have come from the 1-Step or 2-Step Challenge. Instant accounts do not qualify.

Once you hit Prime status, the perks are real:

• 10% discount on FTMO Challenges. FTMO does not state on its Premium Programme page that this stacks with any other offer.
• One free FTMO Challenge, paid in FTMO Points. FTMO does not state a size or a euro value for it on the Premium Programme page.
• 90% profit split (overrides the 2-Step base of 80%).
• Max capital allocation of $600,000. Prime traders also get access to the $400,000 FTMO Challenge product.
• 15% off the FTMO Shop.
• Dedicated customer support agent.

The 10% discount on new challenges is the part that matters for this guide. Here is what it does to the fee table:

FTMO also runs a conditional promo on the $100K account, checked 23 October 2026: €399 on the 1-Step and €439 on the 2-Step, available only if you do not already have an active FTMO account. The table uses list prices because the promo can end without notice.

The savings are real but not transformative. On the $100K 2-Step, you save €54. On the $200K 2-Step, you save €108. Meaningful, but not the reason to chase Prime status.

The free challenge is the bigger deal, but FTMO lists it as paid in FTMO Points, not as a stated account size, so I cannot put a reliable euro value on it. Treat it as a bonus, not a number to budget around.

My take: do not plan your trading around qualifying for Prime. Plan your trading around passing the challenge and getting funded. Prime is a reward that shows up after you are already profitable, not a shortcut to get there.

Is There a PassPropTradingFirms Discount?

FTMO's Premium Programme page publishes one recurring challenge discount: 10% for qualified Prime traders. It does not publish partner rates or a PassPropTradingFirms code, and I have no verified code to hand out, so this page does not promise one.

If FTMO or a partner is running a code when you buy, it will show at checkout before you pay. Check it there rather than trusting a page, including this one.

What a discount does not do is change the rules. A cheaper challenge still has the same daily loss limit, the same drawdown rules, and the same consistency requirement on the 1-Step. Saving €20 on a fee does not make the challenge easier to pass.

Do not let a discount rush you into buying before you are ready. A failed challenge costs the full fee, and the €20 you saved does not cover it.

Start With the Free Trial

The free trial is the single most underused discount in the FTMO ecosystem. It costs nothing, it runs for 14 days, and it puts you on the actual FTMO platform with the actual challenge rules baked in.

It is not a simulated demo with fake rules. It is the real dashboard, the real daily loss counter, the real drawdown tracker, and the real Account MetriX interface. The only difference is that you are not paying for it.

Unlimited retries means you can take the free trial as many times as you want. Run your strategy for 14 days. If you stay inside the rules and hit the profit target, you are probably ready for the paid challenge. If you breach the daily loss limit on day 3, you just saved yourself €79-€1,080.

The free trial is especially valuable if you are deciding between the 1-Step and the 2-Step. Run both on the trial. The 1-Step's 3% daily loss limit will either feel comfortable or feel suffocating. That information is worth more than a 10% discount code.

For a deeper walkthrough of the free trial and how to use it as a diagnostic tool, see our FTMO Free Trial guide.

Start Small: The €79/$10K Path

The cheapest way into FTMO is the $10K 1-Step Challenge at €79. That is the floor. No promo code needed and no partner link required.

Here is why the $10K is the smart starting point even if you can afford a $100K account:

• Lower risk of loss. If you fail, you lose €79, not €540 or €999. That is the cost of a mediocre dinner, not a car payment.
• Same rules. The daily loss limit, drawdown rules, and consistency rule are proportional. A $10K challenge tests the exact same skill set as a $100K challenge, just with smaller dollar amounts on the screen.
• Fee refund still applies (2-Step only). Pass the $10K 2-Step, get funded, receive your first reward, and the €89 comes back. The 1-Step fee is not refunded.
• Psychological safety. Trading a $10K account with €79 at risk is different from trading a $200K account with €1,080 at risk. The rules are the same, but the emotional weight is not. Most traders trade better when the financial pressure is lower.

The objection I hear: "But the $10K payout is too small to matter." At 90% profit split on a 5% monthly return, a $10K funded account generates about $450/month. That is not life-changing money, but it is real money, and it proves you can do it. Scale up after you have proven the skill.

For a full breakdown of the $10K challenge math, see our FTMO $10K challenge guide.

FTMO Discount vs Cheaper Firms

Here is the question most discount-hunters do not ask: is the discount enough to make FTMO competitive, or should you start with a cheaper firm instead?

The answer depends on what you are optimizing for.

The firms that sit alongside FTMO in the ranking are compared on fee, split and rules, before any discount.

The structural point: the 2-Step fee refund makes the entry cost irrelevant for a passed trader. You pay €540 for a $100K 2-Step, pass, get funded, take your first reward, and the €540 comes back. The cheaper firm that charged €250 and does not refund the fee actually costs you more in the scenario that matters.

Where cheaper firms win: if you are not confident you will pass, the lower entry cost means lower downside. Failing a €250 challenge hurts less than failing a €499 challenge. If you are on your first or second attempt at any prop firm, starting cheaper is the rational move.

My recommendation: start cheap to learn the rules, then move to FTMO when you are passing consistently. The fee refund makes FTMO the better long-term value, but only if you are ready for it.

For the full FTMO cost breakdown across all account sizes, see our FTMO account prices guide.