FTMO vs FXIFY
FTMO
FXIFY
Computed verdict
There isn't a current verified offer on both firms, so we don't call a cost winner. On the overall score, FTMO comes out ahead (83 vs 70).
The verdict is computed from verified data and recomputes when the data changes. It is not an opinion and no commercial arrangement alters it. Methodology
Rule by rule
Max loss is 10% of initial balance — static on the 2-Step and end-of-day trailing on the 1-Step — measured on equity, so floating losses count.
A 4–10% trailing drawdown by program off the closed-balance high that locks at the starting balance once you gain that percentage or request your first payout — withdrawing all profit leaves you with zero buffer. On the 1-Phase, FXIFY's own pages disagree: two rules FAQs say 6%, the how-it-works page says 10% trailing. Size to 6%.
Hard daily limit of 5% (2-Step) or 3% (1-Step) of initial capital, recalculated at CET midnight and applied to equity — touching it for an instant fails the account.
A 3–5% daily limit by program based on the previous day's balance; the standard Instant account's is in documented conflict between 'none' and '8%'.
The 2-Step has no consistency rule at all; the 1-Step requires your best day to stay within 50% of your positive days' profit to pass, never failing the account.
Standard programs document no consistency rule; Lightning caps your best day at 30% of total profits and Instant Lite at 20%, withholding the payout (not the account) until met.
Two phases: 10% ($5,000) in Phase 1 and 5% ($2,500) in Verification, minimum 4 days each; 10% ($5,000) max overall loss, 5% ($2,500) daily.
Phase 1 8% ($4,000), Phase 2 5% ($2,500), minimum 4 days each; static 10% ($5,000) max overall loss. Lightning plan: FXIFY's Lightning FAQ gives 5 trading days to hit the target; its how-it-works page says 7. Plan on 5.
On-demand payouts from day 14 after your first trade, at a 90% split (1-Step) or 80% rising to 90% (2-Step), with the 2-Step entry fee refunded with your first withdrawal.
First payout on demand after your first closed trade on the live account, then monthly (or bi-weekly with an add-on), at up to a 90% split — the base without add-ons is unpublished — with the fee 100% refunded at first payout.
$50K 1-Step Challenge: one-time EUR 319, read first-hand from FTMO's own promo page on 2026-09-08, where the fees are stated one-time and non-refundable. FTMO prices in euros and we do not convert. We hold no primary price for the 2-Step and publish none. No subscription or activation fee is documented on the pages we reviewed, which is not the same as a confirmed absence.
FXIFY's per-size price grids did not render on the pages we fetched, so we publish no $50K figure. The one price we confirmed first-hand is One Phase $5K at $250; the firm also advertises Lightning "from as low as $59", Instant "From $69" and Instant Lite "From $19". The evaluation fee is described as 100% refundable with your first payout. We found no activation fee but could not confirm its absence, and the ~20% codes in circulation come from affiliates, not from FXIFY's own pages.