The split
In both firms, the standard profit share is 90% for the trader. At Boxcar Trading, this split is consistent across its Prime, Flex, and Payout plans. FTMO Futures also maintains a 90% split for both its Growth and Pro accounts. The main distinction in earning potential is not the percentage, but the caps: FTMO Growth and Pro have specific maximum payout amounts per cycle (ranging from $2,500 to $8,000 depending on account size), whereas Boxcar’s "Payout" plan has no additional per-request cap once the buffer is met.
How often you can withdraw
Boxcar Trading allows for daily payout requests once eligibility is met. For the Prime plan, this starts after 3 trading days, while Flex and Funded plans require 5 days per cycle. FTMO Futures offers payouts on demand, but you must first meet the "qualifying day" requirements for the current cycle, which essentially means you can withdraw as soon as you complete the minimum profitable days.
Minimums and methods
This is where the two firms diverge sharply. FTMO Futures is extremely accessible, allowing withdrawals from just $20. They use modern fintech methods like Wise, Revolut, and Visa/Mastercard Direct. Boxcar Trading, on the other hand, has a much higher minimum withdrawal of $500 gross. Their supported methods are more traditional, focusing on Bank Transfers and Crypto.
What delays a payout
Several rules can stand between your profit and your bank account:
- Consistency Rules: Boxcar applies a 40% consistency rule per funded cycle for Prime and 20% for the Funded plan. FTMO Futures applies consistency during the evaluation (best day cannot exceed 40-50% of total profit) but removes it for the Sim-Funded stage.
- Minimum Profitable Days: FTMO requires 4 to 5 separate days with a minimum closed profit (between $150 and $500 depending on the plan) before you can request a payout.
- Mandatory Buffers: Boxcar Prime and Payout require you to keep a buffer in the account (Initial Balance + Max Drawdown + $100) that cannot be withdrawn. FTMO Growth requires you to leave 50% of the profit in the account, while the Pro plan allows 100% withdrawal of available profit.
- The "Live" Transition: At Boxcar, after 5 approved payouts, you move to a Live review process which involves KYC and a separate contract, potentially pausing the immediate flow of simulated payouts.
What it takes to get there
To reach the payout stage, you must first survive the evaluation or purchase direct access.
- Investment: Boxcar offers one-time fees (e.g., $50 for a 25K Flex evaluation or $230 for 25K direct funding). FTMO Futures requires a monthly subscription (starting at $119/month for Growth 50K), meaning the clock is always ticking on your costs.
- Risk Limits: Both use End-of-Day (EOD) trailing drawdown. Boxcar's floor stops at the initial balance + $100. FTMO’s floor stops at the initial balance. Boxcar also offers a Daily Loss Limit (DLL) as an option or requirement depending on the plan.
- Platforms and Style: Boxcar is a powerhouse for Rithmic users, supporting NinjaTrader, Quantower, and Bookmap. FTMO Futures focuses on Tradovate, NinjaTrader, and TradingView. Both allow EAs and news trading (with limitations on Boxcar’s Payout plan), but Boxcar is more restrictive regarding hedging across accounts.
Which pays out more comfortably
The choice depends on your capital and trading frequency. FTMO Futures pays out more comfortably for "micro-withdrawers" or beginners who want to see their first $50 or $100 quickly, thanks to their $20 minimum and lack of funded consistency rules. Boxcar Trading is better suited for professional-scale traders who prefer a one-time investment without monthly fees and plan to withdraw larger amounts ($500+) while utilizing advanced order-flow tools like Bookmap or Sierra Chart.
Frequently asked questions
Which is cheaper to start with, Boxcar Trading or FTMO Futures?
Boxcar Trading is generally cheaper in the long run because it offers one-time payments for its evaluations. For example, a 50K Flex account costs $90 as a single payment. FTMO Futures uses a monthly subscription model, starting at $119 per month for a 50K Growth account. If it takes you several months to pass and reach a payout, Boxcar’s cost remains fixed while FTMO’s investment continues to grow every 30 days.
Which firm has a lower minimum withdrawal, Boxcar Trading or FTMO Futures?
FTMO Futures has a significantly lower minimum withdrawal of only $20. In contrast, Boxcar Trading requires a minimum of $500 gross per request. This makes FTMO much more accessible for traders who want to secure small profits frequently, whereas Boxcar requires a more substantial profit cushion before allowing any capital to be taken out.
Can I use EAs and automation on both Boxcar Trading and FTMO Futures?
Yes, both firms allow automated strategies and EAs, but with different caveats. Boxcar allows them as long as they follow account rules and avoid HFT or "unrealistic" simulated fills. FTMO Futures also allows EAs but warns against "manipulative automation" and notes that using third-party EAs can lead to issues if other traders are using the exact same strategy, which is prohibited.
Does Boxcar Trading or FTMO Futures offer more trading platforms?
Boxcar Trading offers a much wider variety of platforms because it uses the Rithmic data feed. You can use NinjaTrader, RTrader Pro, MotiveWave, Quantower, Sierra Chart, Jigsaw, Bookmap, ATAS, and MultiCharts. FTMO Futures is more limited, supporting only NinjaTrader, Tradovate, and TradingView. If you rely on specialized tools like Sierra Chart or Bookmap, Boxcar is the only viable option.






















