FTMO vs OneFunded Comparison

Buyer-first forex comparison · reviewed July 25, 2026

FTMO vs OneFunded Buyer’s Scorecard

Compare the same account size and the same evaluation type. Then compare total attempt cost, how daily and maximum loss are calculated, whether drawdown is static or trailing, the funded-account rules, platform fit, and evidence of trust. Branded challenge names identify products; they are not decision criteria by themselves.

Decision point	OneFunded	FTMO
Profit target	10% (varies by plan)	10% (Challenge); 5% (Verification, 2-Step)
Daily drawdown	4%–5% (by plan)	3% (1-Step); 5% (2-Step)
Overall/max loss	6%–10% (by plan)	10%
Profit split	Up to 90%	Up to 90%

Advanced checks before paying

• Calculate all-in attempt cost: evaluation or subscription fee, resets, activation, data or platform fees, and payout charges.
• Convert drawdown into a per-trade loss budget and model your normal losing streak.
• Audit funded-stage consistency, qualifying days, minimum balance, payout cap, number of payouts, scaling, and live-account transition.
• Check the contracting entity, recent complaint themes, support answer for your strategy, and a smaller first payout before scaling purchases.

This scorecard surfaces only decision rows without unresolved verification placeholders. Keep each row tied to the exact account size and program described; verify current checkout and official rules before purchasing.

Educational disclaimer: This article is for educational and informational purposes only. It is not financial, investment, or trading advice. Prop firm rules, pricing, and promotions change frequently, so always confirm the current terms on each firm’s official website before purchasing a challenge. Both OneFunded and FTMO operate simulated/demo trading environments: the capital is virtual, trades are not executed in live markets, and all “profits” and “payouts” are performance-based rewards earned within a simulation. Facts in this article were last verified against each firm’s official site in June 2026.

Choosing between OneFunded and FTMO comes down to how you actually trade. FTMO is one of the most established names in the proprietary trading space, built around a structured two-step (and now one-step) evaluation. OneFunded is a newer, faster-moving firm that leans into a single-step path, flexible risk plans, and no time limits. This guide breaks down the rules, drawdown limits, profit splits, and payout schedules of each so you can match the firm to your trading style rather than the hype.

OneFunded vs FTMO at a Glance

Feature	OneFunded	FTMO
Evaluation model	One-step challenge	1-Step or 2-Step Challenge
Account sizes	Up to $200,000	$10K, $25K, $50K, $100K, $200K
Profit target	10% (varies by plan)	10% (Challenge); 5% (Verification, 2-Step)
Daily drawdown	4%–5% (by plan)	3% (1-Step); 5% (2-Step)
Overall/max loss	6%–10% (by plan)	10%
Time limit	None	None
Profit split	Up to 90%	Up to 90%
Payout cycle	14 days (7 days with add-on)	Reward request on day 14 or later after the first trade; review normally takes 1–2 business days and payment is typically sent 1–2 business days after invoice approval (official withdrawal guide)
Plans / tiers	Value, Core, Flash	1-Step, 2-Step
Challenge price	Official starting-price examples reviewed July 25, 2026: Value $29, Core $35, Flash $56, and Instant $79 (official OneFunded guide)	For a comparable $100K 2-Step configuration, €439 promotional / €540 reference when checked July 25, 2026 (official pricing)
Established	Newer firm	Since 2015

Figures verified from each firm’s official site at the time of writing. Cells marked for verification should be confirmed directly with the firm before relying on them.

FTMO the Established Prop Firm Standard

FTMO has been operating since 2015 and is one of the most recognized prop firms in the industry, reporting more than 3.5 million customers worldwide and over $500 million paid in rewards. Its appeal is consistency, a documented, rules-first evaluation that thousands of traders have run before you.

How the FTMO evaluation works

FTMO offers two evaluation paths. The traditional 2-Step Challenge has a Challenge phase with a 10% profit target, followed by a Verification phase with a 5% profit target. Both phases share a 5% maximum daily loss, a 10% maximum loss, and a minimum of 4 trading days. The newer 1-Step Challenge condenses this into a single phase with a 10% profit target, a tighter 3% maximum daily loss, a 10% maximum loss, and a “Best Day” rule that caps your single best day at 50% of your total positive-day profit (so no single day can account for more than half of your winning-day profits).

FTMO account sizes and rules

You can choose simulated accounts of $10,000, $25,000, $50,000, $100,000, or $200,000. The maximum loss is calculated as 10% of the initial simulated capital. In the 2-step model that maximum loss is a static limit, while the 1-step model uses an end-of-day trailing maximum loss that locks in as your balance grows. There is no time limit on the evaluation.

FTMO payouts

Successful FTMO traders can earn up to 90% of their simulated profits as a reward. FTMO also publishes a scaling/reward-growth plan that can increase your allocation over time for consistent performers, so confirm the current terms directly. FTMO’s 2-Step Scaling Plan advertises a 25% account-balance increase every four active months, up to $2 million, after at least 10% net simulated profit, two processed rewards, and a positive balance at scale-up (official Scaling Plan)

OneFunded the Streamlined Prop Firm Challenger

OneFunded is a newer firm built around speed and flexibility. Its core pitch is “just one step to a funded account,” with transparent rules that don’t shift once you’ve started: profit target, drawdown limits, and time frame are all shown up front. The firm reports 25,000+ traders across 165+ countries and $800K+ in payouts to date.

How the OneFunded evaluation works

OneFunded uses a single-step evaluation with three plans, each tuned to a different risk appetite:

• Core is the most flexible plan, with a 5% daily drawdown and 10% overall drawdown, suited to more aggressive intraday styles.
• Value is a more disciplined plan, with a 4% daily limit and 8% overall limit.
• Flash is the most conservative setup, with a 4% daily limit, a 6% overall limit, and a 10% profit target, suited to low-risk, high-speed trading.

All plans use equity-based drawdown with a static maximum drawdown, and there are no deadlines, so you trade at your own pace.

OneFunded account sizes and markets

OneFunded offers simulated account sizes up to $200,000. You can trade across forex (40+ pairs), indices, commodities, and crypto, on MetaTrader 5, cTrader, or TradeLocker (platform availability varies by region).

OneFunded payouts

Traders who pass the evaluation and qualify for a funded account can keep up to 90% of simulated profits. Payouts run on a 14-day cycle, or a 7-day cycle with an add-on. OneFunded also points to larger allocations over time for traders who show consistency.

OneFunded vs FTMO Head to Head

Evaluation structure. FTMO gives you a choice between the classic two-step path and a one-step path, which suits traders who want a proven, conventional structure. OneFunded is single-step by design, with plan-level risk choices baked in. If you value optionality in the evaluation itself, FTMO has two distinct routes. If you value a faster single path with risk plans, OneFunded is more direct.

Drawdown flexibility. OneFunded’s three-plan system (4%–5% daily, 6%–10% overall) lets you self-select how much intraday room you want. FTMO’s drawdown is fixed by evaluation type, either 3% daily on the 1-step or 5% daily on the 2-step, with a 10% maximum loss across the board. Aggressive intraday traders may prefer OneFunded’s Core plan. Rule-followers who want a single well-known standard may prefer FTMO.

Profit splits and payouts. Both firms advertise up to 90% profit splits, so the differentiator is cadence. OneFunded’s 14-day (or optional 7-day) cycle is clearly stated. Confirm FTMO’s current payout timing directly, as it has evolved. Reward request on day 14 or later after the first trade; review normally takes 1–2 business days and payment is typically sent 1–2 business days after invoice approval (official withdrawal guide)

Track record. FTMO’s decade-long history and large reported payout figures give it an edge on longevity and brand recognition. OneFunded is newer, so its track record is shorter, which risk-averse traders should factor in.

Prop Firm Trust and Track Record

The two firms operate at very different scales, and this is worth considering as much as any rule. FTMO has been operating since 2015 and reports more than 3.5 million customers and over $500 million paid in rewards. OneFunded is a much newer firm and reports 25,000+ traders and $800K+ in payouts to date. These figures are self-reported by each company and measured differently, but the gap in operating history and reported scale is large. Newer prop firms can change rules or wind down with little notice, so traders who prioritize longevity should factor counterparty stability into the decision, not just the headline rules and splits.

Which Prop Firm Fits Your Trading Style

Rather than telling you which firm to pick, here is how specific rules map to common priorities, so you can match them to your own strategy and risk tolerance:

• If you want the most intraday drawdown room, compare OneFunded’s Core plan (5% daily / 10% overall) against FTMO’s 2-Step (5% daily / 10% max loss). Both give similar daily headroom.
• If you want a single, widely-documented standard, FTMO’s fixed-rule 1-Step or 2-Step path may suit you, since thousands of traders have run the same rulebook.
• If faster payout cadence matters, note OneFunded’s stated 14-day cycle (7-day with an add-on), and confirm FTMO’s current cadence before deciding. Reward request on day 14 or later after the first trade; review normally takes 1–2 business days and payment is typically sent 1–2 business days after invoice approval (official withdrawal guide)
• If operating history and reported scale matter most, FTMO’s record since 2015 is the larger and longer-established of the two.

There is no universal “better” firm. The right choice depends on your strategy, your risk tolerance, your jurisdiction, and how quickly you want to be paid.

Frequently Asked Questions

Page-one comparison check · US desktop results reviewed August 6, 2026

What to verify before choosing FTMO or OneFunded

Decision summary: The headline account size and profit split do not identify the better fit on their own. Compare the complete cost, loss calculation, first-payout path, platform route, and restrictions for two specific programs before paying.

Decision point	How to compare it
Total cost and fee lifecycle	Compare the purchase price with reset, activation, platform, data, add-on, tax, and fee-refund conditions for the exact account path.
Country and identity access	Confirm eligibility for your residence and citizenship, accepted identity documents, payment method, platform availability, and payout provider before checkout.
Support and dispute path	Save the applicable rule version and confirm the support, appeal, and dispute route before buying, especially when your strategy needs written clarification.
Strategy restrictions	Check news, weekend holding, copy trading, automated systems, scalping, HFT, hedging, and account-sharing rules for both the evaluation and funded stage.
Payment, refund, and tax details	Check accepted payment methods, refund eligibility, taxes, currency conversion, chargeback restrictions, and whether a promotion changes any refund term.

Promotions and program rules can change independently. Use this page to narrow the choice, then confirm every decision-critical term in each firm’s current official program document, checkout, and trader agreement. Screenshots or saved copies help if a rule changes after purchase.

The Bottom Line

OneFunded and FTMO solve the same problem in different ways. FTMO is the established, rules-first option with a long track record and a choice of one- or two-step evaluations. OneFunded is the streamlined, flexible option with a single-step path, plan-based drawdown, and a clear 14-day payout cycle. Match the structure to your trading style: pick FTMO if you want a proven standard, or OneFunded if you want flexibility and speed.

Next step: Before you buy, open each firm’s official rules page side by side, confirm the current pricing and any active discounts, and choose the account size and drawdown plan that match how you actually trade, not the largest account you can afford.

Trading carries a high level of risk. This article is educational and not financial advice. Confirm all rules, pricing, and availability on each firm’s official website before making a decision.

Research and disclosure

How this comparison was reviewed

Basis

Document-based comparison of official product pages, trading objectives, and help-center material cited in this page.

Scope

FTMO and OneFunded programs and the exact account comparisons stated on this page. Other firms and changing checkout promotions are outside this comparison.

Limitations

BestProps did not purchase an account or perform first-hand trading, support, identity-check, or payout testing for this comparison. Recheck current terms before purchase.

Commercial state

BestProps currently has no active affiliate or sponsor relationship with FTMO, OneFunded, or any firm named on this page. Any future relationship will be disclosed next to affected links and in this record.

Editorial methodology · Corrections · Commercial disclosure