Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | iFunds | FTUK |
|---|---|---|
| Payout | ||
| Profit Split | 50-80% (inversely linked to max DD chosen) | Up to 80% |
| First Payout | On demand | 14 |
| Payout Frequency | On demand | On Demand (Instant Funding), bi-weekly (Evaluation) |
| Max Account Size | $500,000 | $100,000 |
In this independent head-to-head comparison of iFunds vs FTUK, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
iFunds: No Evaluation. Choose Your Own Max DD. 50-80% Split. 24h Payout Guarantee.
FTUK: Flexible prop trading with Instant Funding, 1-Step, 2-Step, and a Pay After You Pass Flex model.
Based on our independent scoring methodology, FTUK scores 8.6/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: iFunds scores 7.8/10 vs FTUK at 8.6/10.
Minimum Fee: iFunds starts from $250; FTUK starts from $99. FTUK is cheaper at entry level.
Profit Split: iFunds offers 50-80% (inversely linked to max DD chosen); FTUK offers Up to 80%. iFunds has the higher split.
Platforms: iFunds supports MT4, MT5; FTUK is on MT5, Match-Trader, TradeLocker, FTUK XT.
Tradeable Markets: iFunds covers Forex, Metals, Energies, Crypto, Stocks; FTUK offers Forex, Metals, Indices, Crypto, Commodities.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how iFunds and FTUK compare on pricing.
iFunds challenge fees start from $250. The firm has operated since 2024.
FTUK challenge fees start from $99. The firm has operated since 2021. They have funded over 30,000+ traders. Total payouts to date: $12,000,000+.
On entry-level pricing, FTUK offers a lower starting fee — an important factor if you are testing with a smaller account first.
iFunds profit split: 50-80% (inversely linked to max DD chosen). FTUK profit split: Up to 80%. iFunds delivers the higher cut to traders.
Payout frequency: iFunds pays On demand; FTUK pays On Demand (Instant Funding), bi-weekly (Evaluation). Faster payouts are better for cash flow management.
Here is our full independent review of iFunds:
iFunds is operated by iFunds Ltd (Saint Lucia, Registration No. 2024-00154) and Synerjic Ltd (Cyprus, Registration No. 474148), led by CEO Layth Sanjaq. The firm offers a purely instant-funded model — there is no evaluation phase. Traders receive capital immediately and configure their own risk parameters at purchase. iFunds holds a 4.7/5 Trustpilot rating with 93% five-star reviews. Maximum account size is $500,000. Payouts are processed within 24 hours, with a 10% bonus (up to $1,000) if the 24-hour window is missed.
The defining feature of iFunds is its customizable risk-reward model: traders select their maximum drawdown threshold at account purchase (between 6% and 10% of initial balance). A lower chosen drawdown ceiling yields a higher profit split; a higher drawdown tolerance yields a lower split. This places risk management directly in the trader’s hands from day one.
No evaluation. No profit target to begin trading. Traders select a max drawdown level — the lower the max DD they accept, the higher their profit share. The exact split-to-DD mapping is:
There is no daily loss limit on any iFunds account — only the chosen maximum drawdown applies. This gives traders full intraday flexibility; only the total equity drop from the starting balance is monitored.
Note: fees represent a meaningful percentage of account size on smaller accounts ($250 for $2,500 = 10%). This is consistent with instant-funded models where no evaluation filters risk, and reflects the immediacy of funded access. Fees are described as a participation fee — refund terms are governed by iFunds’ separate Refund Policy.
Platforms: MetaTrader 4, MetaTrader 5. Instruments: Stocks, currencies, metals, energies, cryptocurrencies. Leverage: up to 1:100 (dynamic, based on risk level). All instruments accessible on both platforms with the same account.
iFunds earns a 6.5 BestProp score. The customizable risk-reward model is genuinely innovative — letting traders choose their own drawdown tolerance and receive a commensurate profit share puts risk management in the right hands. 4.7/5 Trustpilot with 93% five-star reviews is excellent for a 2024-registered firm. No daily loss limit provides real intraday freedom. EAs, news trading, trade copiers, and multi-IP are all permitted with minimal restrictions. On-demand payouts with a 24-hour guarantee and bonus incentive are strong operational commitments.
The main caution is the fee-to-account-size ratio on small accounts: $250 for a $2,500 funded account is a 10% upfront cost, and the base profit split at the highest drawdown tolerance is only 50%. Traders who want immediate funding of small accounts should run the numbers carefully — at 50% split and $250 fee, the break-even is $500 in gross profit (1 * fee * 2), meaning the account must gain 20% before the trader recups the fee net of split. iFunds works best for confident, disciplined traders who can accept tight drawdown limits in exchange for a higher profit share, or those with access to automated strategies that benefit from no daily DD restriction. The 2024 registration means the track record, while so far positive, is less than two years old.
Here is our full independent review of FTUK:
FTUK (Funded Traders United Kingdom) was founded in December 2021 and has since funded over 30,000 traders globally, paying out $12M+. The firm offers three core evaluation tracks plus a Pay After You Pass Flex model and a newer Futures program. FTUK is notable for broad platform support — MT5, Match-Trader, TradeLocker, and their proprietary FTUK XT platform — though MT5 is unavailable for US-based traders.
Instant Funding provides immediate funded access with no profit target and a trailing drawdown of 6%. The 1-Step Evaluation requires a 10% profit target with an 8% trailing drawdown. The 2-Step Evaluation uses 10%/5% phase targets and an 8% static (balance-based) drawdown. The Flex Challenge allows traders to begin an evaluation at no upfront cost, paying only after passing — a meaningful advantage for risk-averse traders.
Instant Funding and 1-Step accounts use trailing drawdown, which follows equity upward and creates a moving floor. 2-Step accounts use static drawdown based on the initial account balance. News trading is prohibited during all evaluation phases but is permitted on funded accounts. There are no profit targets on funded accounts — traders can manage their funded capital freely.
Martingale, tick scalping, latency arbitrage, reverse arbitrage, hedge arbitrage, and cross-account hedging are all prohibited. HFT is banned. Manual trading strategies are fully supported. Weekend and overnight holding are permitted.
Instant-funded accounts pay on demand. Evaluation-funded accounts have a 14-day waiting period before the first payout. Payments are made via Rise or USDT (TRC20 crypto). FTUK offers scaling potential up to $6.4M for top-performing funded traders.
Overall, our independent scoring gives FTUK the edge in this 2026 comparison. However, both firms have their merits. If iFunds better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, FTUK scores higher overall (8.6/10). The best choice depends on your trading style, preferred instruments, and account size.
FTUK offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
iFunds offers the higher profit split. iFunds: 50-80% (inversely linked to max DD chosen). FTUK: Up to 80%.
EA policies: iFunds — check the review. FTUK — check the review. Always verify the latest policy directly with the firm.
News trading: iFunds — check the review. FTUK — check the review.
Based on our scoring methodology, FTUK edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
iFunds offers 50-80% (inversely linked to max DD chosen) profit split, while FTUK offers Up to 80% profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
iFunds processes first payouts in On demand day(s), while FTUK takes approximately 14 day(s). Always verify current payout timelines on the firm's website.
Neither iFunds nor FTUK are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
