Instant Funding vs FTMO
Quick answer: Instant Funding comes out ahead in our head-to-head, winning 3 of 5 decided metrics. Here is the full breakdown so you can decide for your own strategy.
Rating shape
Four scoring dimensions, overlaid.
| Metric | Instant Funding | FTMO |
|---|---|---|
| Up Trade Funded score | 82 | ✓94 |
| Profit split | 90% | 90% |
| Max payout (verified) | ✓Up to 90% split | Uncapped (14-day) |
| Cheapest account | $119 | ✓$79 |
| Max capital | ✓$200K | $2M |
| Exclusive discount | ✓20% | 10% |
| Evaluation | Instant | 2-step |
| Payout speed | 2-5 days | 1-2 days |
| Payout method | Bank / Crypto | Bank / Crypto / Skrill |
| Promo code | RADAR20 | RADAR |
The verdict
Instant Funding is our pick in this match-up. A convenient, high-volume pick for traders who want to skip the challenge with instant funding, or take a cheaper one-step route. Mind the tighter instant-account drawdown.
Prefer the other option? FTMO: FTMO is the gold standard for serious traders who value a bulletproof payout record over cheap entry. With OANDA now under its roof, it's the most structurally secure name in the space. Pay full price, but sleep well.
Instant Funding vs FTMO — FAQ
Is Instant Funding better than FTMO?+
On our data, Instant Funding edges it — winning 3 of the compared metrics, including a Up Trade Funded score of 82/100. But the right pick depends on your market and budget; see the table above.
Which is cheaper, Instant Funding or FTMO?+
FTMO has the lower entry price (from $79), before exclusive discount codes are applied.
More comparisons
Figures compiled from each firm's official website and Prop Firm Match, last updated July 2026. "Visit" links are affiliate links.