FTMO Instant Funding: The Instant Account, Defined

FTMO Instant Funding: The Instant Account in Brief

By PropTrader1 2 min read Published October 28, 2026

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Keep up to 90% of your profits. Start from €79.

Rewards up to 90% — the 1-Step pays from day one.
2-Step fee refunded in full with your first reward.
$650M+ paid to 4.5M+ traders — the 11-year standard.

Get the latest discount (affiliate link)

FTMO instant funding is the Instant Account: pay once, and the account activates on purchase with no evaluation to pass. Sizes $5,000-$100,000, one-time fees of $169/$339/$749/$1,499/$2,999, a 90% reward split, a 10% maximum loss, a 3% max daily loss and a 30% consistency rule; leverage up to 1:100, unlimited trading period (ftmo.com, checked 28 October 2026).

The trade-offs against the evaluations: the fee is several times the 2-Step price at the same size, and per FTMO's refund FAQ (checked 25 October 2026) it is not refundable - the pass-based refund that defines the 2-Step does not exist here. What you buy is time: no 10% target to reach before the split starts.

Who it suits: traders whose strategy is already consistent and who value starting the reward clock on day one. Who it does not: anyone who might fail the account early - the fee is the whole downside and it is not coming back. It is also CFD-only; futures funding at FTMO runs through the evaluations. The price context: FTMO account prices; the model generally: instant funding.

Plain-language risk education for leveraged trading is maintained by the ESMA investor corner.

Part of the firm cluster and the full prop firm glossary.

Frequently Asked Questions

Why is a 50% drawdown harder to recover than a 10% one?

A 50% drawdown requires a 100% gain to recover, while a 10% drawdown only needs 11.1%. Recovery math is exponential. At 30% drawdown you need 42.9% to break even. This is why prop firms cap drawdown at 10-12% rather than higher percentages.

What is the 3-5-7 rule in forex?

The 3-5-7 rule suggests risking 1-3% per trade, keeping total open risk at 5% or less, and limiting single market exposure to 7%. It is a general risk guideline, not a prop firm rule, but following it naturally keeps you within most max drawdown limits.

What is a good maximum drawdown?

For prop firm trading, keeping your actual drawdown under 5% is excellent. Most firms allow 10-12%, but staying well below the limit demonstrates strong risk management and gives you a buffer for unexpected market events.

Is maximum drawdown calculated on balance or equity?

It depends on the firm and drawdown type. Static drawdown is typically calculated on starting balance. Trailing drawdown follows your highest equity. Some firms include floating losses in their calculation, making equity the relevant measure.

What happens when you breach maximum drawdown?

Breaching maximum drawdown results in immediate and permanent account closure. All positions are closed automatically, the challenge is terminated, and there is no refund or appeal. It is the final rule with no second chances.

What is the difference between daily drawdown and maximum drawdown?

Daily drawdown resets every day and limits your loss within a single session. Maximum drawdown is cumulative across the entire challenge or funded period. You can breach max drawdown through many small daily losses that accumulate over time.