Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | FundsCap | FTUK |
|---|---|---|
| Payout | ||
| Profit Split | Up to 90% (2-Step) / 70% (Instant) | Up to 80% |
| First Payout | - | 14 |
| Payout Frequency | On request (up to 72h processing) | On Demand (Instant Funding), bi-weekly (Evaluation) |
| Max Account Size | $500,000 | $100,000 |
In this independent head-to-head comparison of FundsCap 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.
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
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: FundsCap scores 8.3/10 vs FTUK at 8.6/10.
Minimum Fee: FundsCap starts from $49; FTUK starts from $99. FundsCap is cheaper at entry level.
Profit Split: FundsCap offers Up to 90% (2-Step) / 70% (Instant); FTUK offers Up to 80%. FundsCap has the higher split.
Platforms: FundsCap supports MT4, MT5; FTUK is on MT5, Match-Trader, TradeLocker, FTUK XT.
Tradeable Markets: FundsCap covers Forex, Indices, Commodities, Crypto; FTUK offers Forex, Metals, Indices, Crypto, Commodities.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how FundsCap and FTUK compare on pricing.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
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, FundsCap offers a lower starting fee — an important factor if you are testing with a smaller account first.
FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). FTUK profit split: Up to 80%. FundsCap delivers the higher cut to traders.
Payout frequency: FundsCap pays On request (up to 72h processing); FTUK pays On Demand (Instant Funding), bi-weekly (Evaluation). Faster payouts are better for cash flow management.
Here is our full independent review of FundsCap:
FundsCap was founded in 2023 and operates through a Saint Lucia-registered entity with a physical office in Costa Rica. The firm has attracted 38,000+ traders and holds a 4.6/5 Trustpilot rating with 89% five-star reviews. FundsCap won two categories at the FundedTrading Awards 2025: Best Two Step Challenge and Best Prop Firm for Beginners. Maximum account size on the 2-Step program is $500,000. All accounts operate on MetaTrader 4 and MetaTrader 5.
The 2-Step program stands out for its 12% maximum drawdown — significantly wider than the 8-10% typical among competitors — paired with a 6% daily loss limit. This gives traders meaningful room to manage normal daily volatility without account termination. Zero payout fees and no inactivity cost outside the 15-day trading requirement add to the operational cleanliness.
2-Step Challenge ($49-$2,389 for $5K-$500K): Phase 1: 8% profit target. Phase 2: 5% profit target. Daily loss: 6% (balance-based). Max drawdown: 12% (balance-based, static). No time limit on either phase. Up to 90% profit split on funded accounts. Minimum account reset fee: 10% of the challenge price. A 15-day inactivity rule applies — at least one trade must be placed within any 15-day window. Best in class for maximum drawdown buffer among standard evaluation programs.
Instant Challenge ($258-$978 for $25K-$100K): No profit target. Daily loss: 3%. Max drawdown: 8% (static). 70% profit split. Immediate funded access without evaluation. Available only up to $100K — smaller range than the 2-Step program. Tighter daily limit (3%) offsets the lower maximum drawdown requirement.
Platforms: MetaTrader 4, MetaTrader 5. Instruments: Forex, Indices, Commodities, Cryptocurrencies. Standard CFD instrument set covering all major categories. $0 withdrawal fees.
FundsCap earns a 7.2 BestProp score. The 12% maximum drawdown on the 2-Step program is the widest buffer available at this price point ($49 for $5K) in the market — this single feature makes FundsCap particularly suitable for traders who employ strategies with higher intraday variance but consistent results over time. The dual FundedTrading Awards 2025 recognition provides third-party validation, and 38,000+ traders on a 4.6/5 Trustpilot is a solid credibility foundation for a two-year-old firm.
Watch points: the Instant Challenge is limited to $100K maximum and pays only 70% — traders seeking both instant access and high split will need to look elsewhere. The 15-day inactivity closure rule is stricter than most competitors. Payout methods are not clearly published on the main website — confirm withdrawal options before purchasing larger accounts. The Saint Lucia/Costa Rica entity structure is common but adds a layer of opacity compared to UK or EU-registered competitors.
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 FundsCap 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.
FundsCap offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
FundsCap offers the higher profit split. FundsCap: Up to 90% (2-Step) / 70% (Instant). FTUK: Up to 80%.
EA policies: FundsCap — check the review. FTUK — check the review. Always verify the latest policy directly with the firm.
News trading: FundsCap — check the review. FTUK — check the review.
Read the full FundsCap review → · Read the full FTUK 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.
FundsCap offers Up to 90% (2-Step) / 70% (Instant) 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.
FundsCap processes first payouts in - day(s), while FTUK takes approximately 14 day(s). Always verify current payout timelines on the firm's website.
Neither FundsCap 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.
