Detailed Comparison: FTMO vs Finotive (2025)

Innovation One Building, Level 2, DIFC, Dubai, United Arab Emirates

Praga 1, Calle Purkynova 2121/3, 110 00, Czech Republic

Oliver Newland

Otakar Suffner

United Arab Emirates

Czech Republic

2021

2015

Liquidity Provider

Full refund if profitable 30 days after funding.

Solo FX: The Dashboard and launch announcement say the fee is refunded after 30 funded days if the account is profitable. Schedule 10A-1 says it is refunded upon approval of the first Reward Payment Request. Finotive's Terms state that the Schedule prevails; confirm with support before purchase.

(Only 2-Step Challenge) Full refound after first payout

100%

First payout on demand

• Standard Challenge, Pro Challenge and Instant Standard: 7 days
• Instant Lite: 14 days
• Solo FX: weekly payouts; first request after 14 calendar days in Simulated Funded Status

14 days

$4

• Bank transfer: $20
• Crypto: $50

• 2-Step Standard, 2-Step Pro: 100:1
• 1-Step Standard, 1-Step Pro: 50:1
• Instant Standard: 33:1
• Instant Lite: 25:1
• Solo FX: 33:1

• Standard: 100:1
• Swing: 30:1

• 2-Step Standard, 2-Step Pro: 20:1
• 1-Step Standard, 1-Step Pro: 10:1
• Instant Standard, Instant Lite: 5:1

• Standard: 30:1
• Swing: 9:1

• 2-Step Standard, 2-Step Pro: 10:1
• 1-Step Standard, 1-Step Pro, Instant Standard, Instant Lite: 5:1

• Standard: 50:1
• Swing: 15:1

• 2-Step Standard, 2-Step Pro: 5:1
• 1-Step Standard, 1-Step Pro: 4:1
• Instant Standard, Instant Lite: 2:1

• Standard: 3.33:1
• Swing: 1:1

• 2-Step Standard, 2-Step Pro: 2:1
• 1-Step Standard, 1-Step Pro, Instant Standard, Instant Lite: 1:1

• Standard: 3.33:1
• Swing: 1:1

Funded Stage Refresh

• A refresh can only be requested when your account balance is within 10% of the Maximum Drawdown limit
• Resets your account balance back to the original starting equity
• Preserves your profit split rate and any progress made in the Scaling Plan
• There is a maximum of 3 refreshes per funded account
• The price depends on the size of the account

• Swap Free (price depends on the size of the account)
• Weekend Holding for Instant Accounts (20% of account fee)

• Standard Challenge
• Pro Challenge

Every 90 days, traders who meet performance and consistency targets see their account balance grow by 30% and their profit split increase by 5%, without ever having to sacrifice withdrawals.

More detail about it can be found on this link

Requirements

• Minimum of 4 months cycle
• At least 10% total net simulated profit in the 4-months trading window, date to date
• Process at least 2 rewards
• Positive account balance at the time of scale-up

Benefits

• Upgraded reward to 90%
• $2M scale-up cap
• Continuous increase when criteria are met

• Standard Challenge
• Pro Challenge

• Standard Challenge: 80% (up to 95% scaling)
• Pro Challenge: 100%
• Instant Standard: 75% (up to 90%)
• Instant Lite: 70% (up to 85%)

90%

Balance-based

Equity based

• Challenge Accounts (Standard): Up to $600,000 in purchased capital, scalable to $2,040,000
• Pro Challenge Accounts: Up to $600,000 in purchased capital, scalable to $2,040,000
• Instant Funding (Standard): Up to $200,000 in purchased capital, scalable to $680,000
• Instant Funding Lite: Up to $200,000 in purchased capital, scalable to $680,000

Unlimited

• 1-Step: 0 days
• 2-Step Phase 1 and 2: 4 days

Minimum profitable days number must be met every time a trader wants to pass an evaluation phase, scale a funded account or request a payout. A day is considered profitable when it reaches at least 0.5% profit

• Challenge 1 Step: 3 days
• Challenge 2 Step: 2 days
• Instant Standard: 0 days
• Instant Lite: 5 days
• Finotive Pro 1 Step: 3 days
• Finotive Pro 2 Step: 2 days
• Solo FX: 4 days with at least 0.5% each

• Solo FX: all Expert Advisors and automated execution tools are prohibited
• Other programmes: pre-purchased or mass-market “plug-and-play” EAs are not allowed

• Solo FX: VPNs, proxies and location masking are prohibited
• Other programmes: Finotive's Terms prohibit masked or unstable connections when they impair verification of identity, location or account control

• Solo FX: stop loss is not required
• Other programmes: stop loss is required

Solo FX has no specific scalping, rapid-trade-opening, trades-under-60-seconds or HFT restriction. Latency arbitrage and execution abuse remain prohibited.

Floating drawdown is calculated per symbol against the initial account balance.

• Instant Funding: 1.5%. The first confirmed breach produces a formal warning. From the second confirmed breach onward, each separate event records one strike and reduces that payout cycle's reward payment to 10%.
• Funded Challenge and Funded Pro: 2%. Each confirmed breach records one strike and reduces that payout cycle's reward payment to 10%.
• Challenge and Pro evaluation phases: 2%. It is monitored for the progression report but does not trigger a real-time strike or account closure.
• Solo FX: 2.5% during Simulated Funded Status only. A confirmed breach records one strike and reduces that payout cycle's reward payment to 10%.

News trading is allowed. For Solo FX, the Dashboard and launch announcement prohibit news straddling, but Schedule 10A-1 disapplies the Terms section that prohibits it. Confirm this contradiction with Finotive before trading news.

Standard

Not allowed to execute any new trade or close an existing trade (including stop loss or take profit) on the targeted instrument in the window of 2 minutes before until 2 minutes after the release of the below news announcements.

Swing

No restrictions.

Pro accounts — from the 31st funded day

• Weekly trade count and instrument volume must remain within ±25% of the averages recorded during the Pro Challenge and the first 30 funded days.
• During every rolling 90-day period, realised and unrealised profit, including rewards already paid, must total at least 5% of the initial balance.
• Breaching either condition downgrades the account to the equivalent standard funded account and permanently removes the Pro benefits.

Instant Funding Standard and Lite

• At payout, the single most profitable closed trade must contribute less than 60% of total positive realised profit. Requesting a payout while the condition remains active records one Conditional Strike and reduces that payout cycle's reward payment to 10%.

Solo FX

• No specific consistency rule or single-trade profit dependency.

• 1-Step: To pass the FTMO Challenge: 1-Step or to be eligible for a Reward on an FTMO Account, your profit from the Best Day must not represent more than 50% of your total profit.
• 2-Step: No consistency rule.

Weekend holding is available through the optional Weekend Holding Add-On on Instant Funding accounts. Without it, all non-crypto positions must be closed before Friday's 17:00 New York market close; Finotive recommends closing at least 10 minutes earlier. Each confirmed breach records one strike and reduces that payout cycle's reward payment to 10%. Five cumulative strikes permanently close the account.

Standard

In an FTMO Challenge or Verification, you don't have to close your positions during the weekend. However, once you become an FTMO Trader and get an FTMO Account, you are required to close your positions just before the markets close for the weekend or if the rollover (market break) is longer than 2 hours.

Swing

No restrictions.

• Excessive notional volume (not applicable to Solo FX; its exposure is governed by 1:33 margin)
• High-frequency stacking, including correlated instruments (not a Solo FX-specific restriction; latency arbitrage and execution abuse remain prohibited)
• Martingale or grid strategies
• News straddling (the Solo FX dashboard and announcement prohibit it, but Schedule 10A-1 disapplies section 7.9; confirm with support)
• Using ultra-tight stops just to mask oversized lots

• Overleveraging
• Overexposure
• One-sided bets
• Account Rolling