The split
Both firms offer a high profit share, but with different flexibility:
- FTMO Futures: A fixed 90% profit split across all plans (Growth and Pro).
- Upcomers Futures: A default 90% profit split. However, their checkout allows traders to choose between 80%, 90%, or 100%, which adjusts the initial purchase price accordingly.
How often you can withdraw
Accessing your money is relatively fast in both cases, though the rules differ by plan:
- FTMO Futures: Payouts are available on demand once the qualifying-day requirements for the current cycle are met.
- Upcomers Futures: The Classic plan allows withdrawals whenever conditions are met. The Vanguard (instant) plan requires 5 qualifying days for the very first payout. Both firms claim fast processing (same-day or on-demand).
Minimums and methods
FTMO is more accessible for small withdrawals, whereas Upcomers carries higher transaction costs:
- Minimums: FTMO allows withdrawals starting at just $20. Upcomers requires a minimum of $100.
- FTMO Methods: Wise, Revolut, Visa Direct, and Mastercard Send.
- Upcomers Methods: Bank Transfer and Crypto.
- Upcomers Fees: Withdrawals via bank transfer cost $19.90 + 2.49%. Crypto withdrawals cost $19.90 + 30% (reduced to 2.49% if you bought the account with crypto).
What delays a payout
Reaching the "withdraw" button is governed by risk management and consistency rules that can reset your progress:
- Profit Consistency: FTMO requires that your best day does not exceed 40% (Growth) or 50% (Pro) of total profit during the evaluation. Upcomers is much stricter, with a 20% Best Day Rule applied at the time of payout.
- Minimum Profitable Days: FTMO requires 4 to 5 days with specific closed profit targets (ranging from $150 to $500 depending on size). Upcomers Vanguard requires 5 days with at least 0.5% profit each.
- Risk Limits: FTMO uses an end-of-day trailing drawdown. Upcomers uses real-time trailing drawdown (3-4%) and imposes a hard "Maximum Risk Limit" of 1.5% of account size per open trade.
- Payout Caps: Both firms limit early withdrawals. For a 50K account, FTMO caps Growth at $2,500 and Pro at $5,000 per payout. Upcomers uses a tiered system (e.g., $800 for the first payout on a 50K Classic account).
What it takes to get there
The path to funding requires passing a one-step evaluation or paying for instant access:
- Initial Investment: FTMO is far cheaper to start, with evaluations from $119 (50K) to $269 (150K) per month. Upcomers is an "investment" model: a 50K evaluation costs $827.20 (one-time), and a 50K instant account costs $3,300.
- Platforms: FTMO offers industry standards: NinjaTrader, Tradovate, and TradingView. Upcomers is restricted to its own platform, Upcomers X.
- Trading Styles: Both allow news trading and EAs (with restrictions on HFT/arbitrage).
- Restrictions: FTMO prohibits holding positions overnight or over the weekend. Upcomers allows both overnight and weekend holding, making it more suitable for swing traders.
Which pays out more comfortably
FTMO Futures pays out more comfortably for traders who want to test their skills with minimal financial risk, as the subscription cost is low and the consistency rules are more generous (40-50%). It is the better choice for intraday traders using standard platforms like TradingView.
Upcomers Futures is better for high-capital traders who want to skip the evaluation (Vanguard) and need to hold positions over the weekend. However, the friction is higher due to the very strict 20% consistency rule and the significant fees and risk limits per trade.
Frequently asked questions
Which firm is cheaper to start an evaluation, FTMO Futures or Upcomers Futures?
FTMO Futures is significantly cheaper to start. A 50K evaluation at FTMO costs $119 as a monthly subscription, while the same size at Upcomers Futures (Thunderbolt Classic) requires a one-time payment of $827.20. FTMO allows you to attempt the challenge multiple times for the price of one Upcomers evaluation.
Which firm has stricter consistency rules for payouts, FTMO Futures or Upcomers Futures?
Upcomers Futures has much stricter consistency rules. They apply a 20% Best Day Rule, meaning no single day can account for more than 20% of your total profit when you request a payout. In contrast, FTMO Futures allows for more volatility, with a 40% limit for Growth accounts and 50% for Pro accounts.
Can I hold trades over the weekend in FTMO Futures or Upcomers Futures?
Upcomers Futures allows holding positions over the weekend and overnight across all its futures programs. FTMO Futures, however, strictly prohibits holding positions or resting orders after the market closes or during the weekend, which forces all traders to use intraday strategies.
Who offers better payout methods and lower fees, FTMO Futures or Upcomers Futures?
FTMO Futures offers better conditions for withdrawals, with a lower minimum of $20 and no mentioned withdrawal fees, using modern methods like Wise and Revolut. Upcomers Futures requires a $100 minimum and charges significant fees (at least $19.90 plus a percentage) for both bank transfers and crypto withdrawals.




















