FTMO vs Atlas Funded

On the numbers: FTMO pays the higher profit split; FTMO rates higher on Trustpilot. The right choice depends on which of those you weigh most - the rules, pricing and payout detail below is where they really separate.

FTMO

1/2-step eval. 90% split, on-demand payouts.

Visit →

Atlas Funded

multiple eval. 90% split, on-demand payouts.

Visit →

At a glance

	FTMO	Atlas Funded
TradingBay Rating	9.5 ★	7.6
Category	Forex	Forex
Founded	2015	2024
Profit Split	Up to 90% ★	Up to 80%
Payout Cycle	On demand	Bi-weekly
Account Sizes	$10K–$200K	$5K–$400K
Cheapest Challenge	€155	$38
Platforms	MetaTrader 4, MetaTrader 5, cTrader	MT5, TradeLocker, Match-Trader
Trustpilot	4.8 ★	4

Which is cheaper at $50K and $100K?

Prices shown in each firm's own currency or billing model, so not every size has a like-for-like winner.

	FTMO	Atlas Funded
$25K account	€250	$148
$50K account	€345	$228
$100K account	€540	$368
$200K account	€1,080	$668

Rules head-to-head

Drawdown type is the rule that catches most traders out - read it before the profit split.

	FTMO	Atlas Funded
Rules grade	A - Clear, well-documented and stable ★	C - Flexible headline rules, demanding fine print
Drawdown type	2-Step: static 10% Maximum Loss. 1-Step: end-of-day trailing 10% Maximum Loss (recalculated 00:00 CE(S)T, only moves up; fully resets after each reward withdrawal)	Static max overall loss on 1 Step (7%), 1 Step Pro (6%), 2 Step (10%), 2 Step Pro (8%), 3 Step (8%) and Access funded stage (6%); trailing on Instant Funded (5%, locks at breakeven after 5% profit) and $1 Pay Later 1-Step (8%)
Daily loss limit	5% (2-Step) / 3% (1-Step) of initial capital, on equity, recalculated daily at 00:00 CE(S)T	1 Step 4%, 1 Step Pro 3%, 2 Step 5%, 2 Step Pro 5%, 3 Step 4%, Instant 3%, Access/Pay Later 5% (3% funded) - based on previous day's highest balance or equity, resets midnight UTC
Profit target	2-Step: 10% then 5%. 1-Step: 10%. No target on the funded FTMO Account	1 Step 11%; 1 Step Pro 9%; 2 Step 9%/5%; 2 Step Pro 8%/5%; 3 Step 6%/6%/6%; Pay Later 2-Step 6%/4%; $0/$1 Access 4%; Instant none
Consistency rule	1-Step only: Best Day Rule - best day must not exceed 50% of Positive Days' Profit (applies to the Challenge and the FTMO Account; not a breach, just blocks passing/payout until diluted)	None on standard evaluations; Instant Funded 20%; $1 Pay Later 1-Step funded 25% (blocks payout, not a breach)
News trading	Allowed throughout the Evaluation Process; funded Standard accounts restricted around selected news releases; Swing accounts unrestricted	Allowed during evaluation (before, during and after major news)
EAs / automation	Allowed; HFT/latency arbitrage and other Forbidden Trading Practices prohibited	Allowed on all stages, evaluation and funded
Weekend holding	Funded Standard accounts must close overnight/weekend positions; Swing accounts may hold. No restriction during the Evaluation Process	Allowed - overnight and weekend holding permitted at all stages
Min trading days	4 trading days per phase (2-Step only); none on 1-Step or the FTMO Account	1 Step 5 (1% profit/day), 1 Step Pro 4 (1%/day), 2 Step 5/phase (0.5%/day), 2 Step Pro 5/phase (0.5%/day), 3 Step 4/phase (0.5%/day), Instant 5 (1%/day); waivable via add-on
Time limit	No time limit on any phase	Unlimited on all models

Payouts head-to-head

	FTMO	Atlas Funded
Profit split (full terms)	2-Step: 80% base, up to 90% via Scaling Plan. 1-Step: flat 90%	80% default, upgradeable to 100% via checkout add-on (+20% fee); Pro models add 5-15% of evaluation-phase profits
Payout frequency	On demand from 14 days; processed on a bi-weekly cycle, ~8h average processing	Default: first reward 14 days after first funded trade, then every 14 days (Instant: 28 then 14; 1 Step Pro: every 30); weekly / bi-weekly / on-demand via add-ons; 24h Payout Reward Guarantee
First payout	From 14 calendar days after first trade on the FTMO Account	After 14 days by default (Instant Funded: 28 days; 1 Step Pro: 30 days); on-demand or weekly with add-ons
Minimum payout	-	$100
Scaling	Scaling Plan: 25% balance increase per 4-month cycle (requires 10%+ net profit over the window, at least 2 processed rewards and a positive balance), reward upgraded to 90%, up to a $2,000,000 maximum initial balance	Scaling plan available for consistently profitable traders (reviewed individually); maximum active funded allocation is $400,000 per trader (e.g. 4 x $100K). Challenge fee refunded on the 4th payout (5th on Instant Funded); 1 Step Pro pays 15% of evaluation profits on the 3rd reward, 2 Step Pro pays 5% (Step 1) + 10% (Step 2).

Who should choose which?

Choose FTMO if…

· The headline profit split matters most (90% vs 80%).

· You want clearer, more stable rules (rules grade A vs C).

· Independent reputation matters to you (Trustpilot 4.8 vs 4).

Choose Atlas Funded if…

· You'd rather not trade under a consistency rule.

· You run EAs or automated strategies.

· You swing trade and hold over the weekend.

· You want an instant-funded option with no evaluation.