Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | FTMO | Fintokei |
|---|---|---|
| Payout | ||
| Profit Split | 80% → 90% | 80% → 100% |
| First Payout | 30 | — |
| Payout Frequency | Bi-weekly (first after 30 days) | On-demand (avg 3h 4m) |
| Max Account Size | $200,000 | $400,000 |
In this independent head-to-head comparison of FTMO vs Fintokei, 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.
FTMO: The Original Prop Firm, Proven Since 2015
Fintokei: 3-Hour Payouts. TradingView Platform. €4M Scaling.
Based on our independent scoring methodology, FTMO scores 9.8/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: FTMO scores 9.8/10 vs Fintokei at 9.3/10.
Minimum Fee: FTMO starts from $155; Fintokei starts from $44. Fintokei is cheaper at entry level.
Profit Split: FTMO offers 80% → 90%; Fintokei offers 80% → 100%. Fintokei has the higher split.
Platforms: FTMO supports MT4, MT5, cTrader, DXtrade; Fintokei is on TradingView, MT5, cTrader.
Tradeable Markets: FTMO covers Forex, Metals, Indices, Crypto, Stocks; Fintokei offers Forex, Metals, Energy, Indices.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how FTMO and Fintokei compare on pricing.
FTMO challenge fees start from $155. The firm has operated since 2015. They have funded over 3,500,000+ traders. Total payouts to date: $500M+.
Fintokei challenge fees start from $44. The firm has operated since 2023.
On entry-level pricing, Fintokei offers a lower starting fee — an important factor if you are testing with a smaller account first.
FTMO profit split: 80% → 90%. Fintokei profit split: 80% → 100%. Fintokei delivers the higher cut to traders.
Payout frequency: FTMO pays Bi-weekly (first after 30 days); Fintokei pays On-demand (avg 3h 4m). Faster payouts are better for cash flow management.
Here is our full independent review of FTMO:
FTMO is the firm that defined the modern prop trading industry. Founded in January 2015 in the Czech Republic, FTMO pioneered the two-phase evaluation model that dozens of firms have since copied, and remains the benchmark against which every funded trading program is measured. With $500M+ paid out to traders across 140+ countries and a 4.8/5 Trustpilot rating, its track record is unmatched in the space.
The firm operates on simulated capital — funded accounts use fictitious funds that mirror live market conditions, with profits paid as rewards. This structure is explicitly stated and legally compliant across most jurisdictions. For traders who want certainty above all else, FTMO remains the default choice.
FTMO suits professional and semi-professional traders who trade forex, metals, indices, or commodities on MetaTrader, cTrader, or DXtrade. The evaluation process is disciplined and methodical — it rewards consistent traders, not lucky ones.
It is less suitable for traders seeking instant funding, very short payout cycles, or crypto futures trading. FTMO’s monthly payout model and 30-day waiting period for the first reward are trade-offs you accept for the credibility and payout certainty that come with the most established name in the industry.
FTMO offers two evaluation formats, plus a free trial:
Challenge fees are refunded on your first profit reward. Account sizes from $10,000 to $200,000, with scaling up to $400,000 through FTMO’s Scaling Plan.
2-Step Program:
1-Step Program:
News trading is restricted on Standard 2-Step FTMO Accounts but allowed during the evaluation phases. Swing accounts have no such restrictions.
FTMO supports the widest platform range in the prop firm industry:
Tradable assets cover forex pairs, metals (gold, silver), indices, commodities, and crypto (CFDs). This is one of the broadest instrument sets in funded trading.
FTMO earns a 9.1 BestProp score — the highest we award. It is not the cheapest, fastest, or most flexible prop firm. But it is the most proven, with a decade of operation, $500M+ paid, and a transparent legal structure that has been tested across multiple regulatory environments.
If you are a serious trader looking for a funded account you can build a long-term career on, FTMO is where you start. The 30-day first payout and monthly cycle are the only real trade-offs, and they are worth it for the certainty you get in return.
Here is our full independent review of Fintokei:
Fintokei is the prop trading product of Purple, a Czech fintech group with roots going back to 2011. The platform itself launched in 2023 under CEO David Varga and has rapidly built a reputation for two things: industry-leading payout speed (3 hours 4 minutes average) and genuine program diversity — four distinct evaluation paths covering beginners through professional traders.
Headquartered in Brno, Czech Republic, Fintokei is EU-based and positions itself as a transparent, education-first firm. Up to three free trial accounts are available before any purchase, and all programs come with a built-in loyalty program for active traders.
Fintokei suits a wide range of traders thanks to its four-program structure. The StartTrader 3-step path with 2%/3%/6% incremental targets is genuinely designed for traders still building consistency — not just labelled as a beginner product. The SwiftTrader 100% profit split with no phase 2 target is one of the most competitive single-step offers available for experienced traders. ProTrader’s $400,000 maximum account size and €4M scaling ceiling attract serious full-time traders.
Note: Fintokei covers forex, metals, energies, and indices but does not currently offer crypto or stock CFDs on its own platform. Traders who need crypto exposure should look at crypto-specific prop firms.
Four evaluation paths:
Fintokei supports three platforms — a notably different combination from most competitors:
Tradable instruments: forex pairs, CFD metals, CFD energies, CFD indices. Zero commission on oil and indices. Max risk per trade: 3% across all programs.
Fintokei earns an 8.4 BestProp score. The 3-hour payout average is the fastest we have seen. The TradingView platform integration is unique in the prop firm space. The SwiftTrader 100% profit split and the €4M scaling ceiling are both class-leading features. The EU foundation and Purple fintech group backing provide credibility that many standalone prop firms lack.
The trade-offs: no crypto or stocks, StartTrader’s 50% starting split is low, and the 180-day maximum time limit on StartTrader adds pressure for beginners. For forex and commodities traders who prioritise payout speed, platform quality, and high scaling ceilings, Fintokei is one of the strongest offerings in the 2026 prop firm landscape.
Overall, our independent scoring gives FTMO the edge in this 2026 comparison. However, both firms have their merits. If Fintokei 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, FTMO scores higher overall (9.8/10). The best choice depends on your trading style, preferred instruments, and account size.
Fintokei offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
Fintokei offers the higher profit split. FTMO: 80% → 90%. Fintokei: 80% → 100%.
EA policies: FTMO — check the review. Fintokei — check the review. Always verify the latest policy directly with the firm.
News trading: FTMO — check the review. Fintokei — check the review.
Read the full FTMO review → · Read the full Fintokei review →
Based on our scoring methodology, FTMO 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.
FTMO offers 80% → 90% profit split, while Fintokei offers 80% → 100% profit split. Check each firm's current terms as these can change.
Yes! FTMO has code BESTPROP. Fintokei has code BESTPROP. Use these at checkout to save on your challenge fee.
FTMO processes first payouts in 30 day(s), while Fintokei takes approximately a variable timeframe. Always verify current payout timelines on the firm's website.
Neither FTMO nor Fintokei 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.
