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Comparison · Futures

Getting paid at FTMO Futures and Upcomers Futures

The main difference between these two firms lies in their entry model: FTMO Futures operates on a monthly subscription basis with a very low initial investment, while Upcomers Futures offers instant funding or one-time payment evaluations at a significantly higher upfront cost.

Updated on

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.

Field by field

FTMO Futures and Upcomers Futures, side by side

Rules, plans, platforms, leverage, commissions and payouts of both, with the option to see only what differs.

Head to head

47 differences

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90%off · Exclusive
Headquarters

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

Building A1, IFZA Business Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

CEO

Otakar Suffner

Jakub Zeliska

Country

Czech Republic

United Arab Emirates

Foundation

2015

2023

Banned Countries
Afghanistan, Albania, Angola, Anguilla, Antarctica, Antigua and Barbuda, Australia, Barbados, Belarus, Belize, Bhutan, Bouvet Island, Burkina Faso, Burundi, Cape Verde, Central African Republic, Chad, China, Christmas Island, Cocos (Keeling) Islands, Comoros, Congo (Republic), Cook Islands, Côte d’Ivoire, Cuba, Djibouti, Dominica, Equatorial Guinea, Eritrea, Eswatini, Falkland Islands, Fiji, Gabon, Gambia, Ghana, Grenada, Guinea, Guinea-Bissau, Guyana, Heard and McDonald Islands, Holy See (Vatican City State), Indonesia, Iran, Iraq, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kyrgyzstan, Laos, Lesotho, Liberia, Libya, Malawi, Mali, Marshall Islands, Mauritania, Mayotte, Micronesia, Monaco, Montserrat, Myanmar, Namibia, Nauru, Niger, Niue, North Korea, Papua New Guinea, Russian Federation, Rwanda, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Seychelles, Sierra Leone, Solomon Islands, Somalia, South Georgia and South Sandwich Islands, South Sudan, Sri Lanka, Sudan, Suriname, Svalbard and Jan Mayen, Syria, Tajikistan, Timor-Leste, Togo, Tokelau, Tonga, Tunisia, Turkmenistan, Tuvalu, Ukraine, Uzbekistan, Vanuatu, Venezuela, Vietnam, Western Sahara, Yemen, United States — Arkansas, United States — Delaware, United States — Louisiana, United States — Montana, United States — South Carolina
Afghanistan, Central African Republic, Crimea, Donetsk and Luhansk regions of Ukraine, Cuba, Iran, Iraq, Kosovo, Libya, Mali, Myanmar, North Korea, Palestine, Russia, Somalia, South Sudan, Sudan, Syria, Vanuatu, Venezuela
Assets
Commodities, Indices, Crypto, Forex
Equity Indexes, Metals, Energy, Currencies, Rates, Grains, Livestock, Crypto
Brokers
Tradovate
No data
Platforms
NinjaTrader, Tradovate, Tradingview
Upcomers X, Volumetrica
Payout Methods
Wise, Revolut, Visa Direct, Mastercard Send
Bank Transfer, Crypto
Live Account
Limited

A small group of consistently profitable traders may be invited to a Live Funded Account at FTMO's discretion. It cannot be requested and additional country restrictions apply.

No

Futures accounts are simulated (sim-funded).

Payment Methods
Card, ApplePay, GooglePay, PayPal, Revolut, Skrill, Crypto, Transfer
Card, Crypto, PayPal, Apple Pay, Google Pay
Payout Frequency

On demand once the qualifying-day requirements for the current payout cycle are met.

Classic: whenever the conditions are met. Vanguard: after 5 qualifying days for the first payout. Upcomers states same-day processing after approval.

Maximum Withdrawal

Growth — per payout

  • $50K: up to 50% of available profit, capped at $2,500
  • $100K: up to 50% of available profit, capped at $3,000
  • $150K: up to 50% of available profit, capped at $4,000

Pro — per payout

  • $50K: up to 100% of available profit, capped at $5,000
  • $100K: up to 100% of available profit, capped at $6,000
  • $150K: up to 100% of available profit, capped at $8,000

Classic (payouts 1–5): 25K 500/1,000/1,500/1,500/1,500; 50K 800/1,600/2,400/3,000/3,000; 100K 1,400/2,800/4,200/5,000/6,000; 150K 2,000/4,000/5,000/5,000/9,000; 200K 2,600/5,000/5,000/5,000/12,000; 300K 3,700/5,000/5,000/5,000/18,000; 400K 4,700/5,000/5,000/5,000/23,500 USD. Vanguard (payouts 1–7): 25K 500/1,000/1,500/1,500/1,500/1,500/1,500; 50K 1,000/2,000/3,000/3,000/3,000/3,000/3,000; 100K 1,600/3,200/4,800/5,000/6,000/6,000/6,000; 150K 1,900/3,800/5,000/5,000/9,000/9,000/9,000; 200K 2,300/4,600/5,000/5,000/11,500/12,000/12,000; 300K 3,100/5,000/5,000/5,000/15,500/18,000/18,000 USD. The checkout sells Vanguard 400K, but the current public table does not yet publish its cap; confirm with support.

Minimum Withdrawal

$20

USD 100.

Other Payout Requirements

At least 50% of every requested payout must come from new profit generated during the current payout cycle. US clients must submit Form W-9 and proof of ownership of an eligible US bank account before their first payout.

Realized profit and all positions closed; at least 1% profit since the previous payout. 20% Best Day Rule. Before the first payout, Vanguard requires 5 profitable days with at least 0.5% profit each.

Payout Fee
No data

Bank transfer: USD 19.90 + 2.49%. Crypto: USD 19.90 + 30%; reduced to USD 19.90 + 2.49% when more than 50% of the trader's purchases were paid in crypto.

Account Reset

Evaluation accounts can be reset to their original conditions without changing the monthly billing date. There is no limit on purchased resets.

Limited

Resets are available when offered by Upcomers. A rule-violation reset permanently limits future payouts on that account to 50%.

Add-ons
No
No
Instant
No
Yes

Vanguard offers instant funding with no evaluation.

One Step
Yes
Yes

Thunderbolt Classic is a one-step evaluation with a 6% target.

Account scaling
No
Yes

+35% every 4 months, up to USD 4,000,000, with 15% cumulative growth, at least 2 payouts and a positive final cycle.

Max Drawdown

End-of-day trailing drawdown based on the highest closing balance. It can only move upward and locks permanently once it reaches the initial account balance.

Real-time trailing: 4% on Classic and 3% on Vanguard. It locks at the initial balance after the account grows by that same percentage.

Profit Split

90%

90% selected for these prices. Checkout also allows 80% or 100%, adjusting the price.

Free Trial
No
Limited

Thunderbolt Classic includes an optional Trial Phase; Vanguard has no evaluation.

Daily Drawdown
  • Growth Evaluation: none
  • Growth Sim-Funded: soft limit of $1,000 / $2,000 / $3,000 on 50K / 100K / 150K; positions close and trading pauses until the next day
  • Pro Evaluation and Sim-Funded: hard limit of $1,000 / $1,500 / $2,000 on 50K / 100K / 150K; breach terminates the account

Classic: 3% in evaluation and 2% when funded. Vanguard: 2%. Resets at 5:00 PM ET.

Max Allocation
450,000
1,500,000
Mandatory buffer
Limited

Growth allows withdrawing up to 50% of available profit per cycle, leaving the remainder in the account. Pro allows up to 100%, subject to its payout cap.

No
Maximum Accounts

Unlimited concurrent Evaluations. Maximum 3 concurrent Sim-Funded Accounts across Growth and Pro.

No fixed account-count limit; total funded capital cannot exceed USD 1,500,000 across all Upcomers programs.

Merge Accounts
No
No data
Maximum Trading Days

Unlimited while the monthly subscription remains active.

No time limit to pass Classic; all futures accounts close after 14 calendar days without closing a trade.

Minimum Trading Days

No fixed minimum. The Evaluation must satisfy its consistency rule, which can require multiple trading days.

Classic can be passed in 1 day. Vanguard has no evaluation.

Funded Phase Pricing Model

No activation fee and no recurring charge on Sim-Funded or Live Funded Accounts.

No activation fee or recurring platform/data subscription stated by Upcomers.

Minimum Profitable Days

Growth payout eligibility

  • $50K: 4 days with at least $150 closed profit per day
  • $100K: 4 days with at least $250 closed profit per day
  • $150K: 4 days with at least $300 closed profit per day

Pro payout eligibility

  • $50K: 5 days with at least $200 closed profit per day
  • $100K: 5 days with at least $300 closed profit per day
  • $150K: 5 days with at least $500 closed profit per day

Vanguard requires 5 days with at least 0.5% profit each before the first payout; they do not need to be consecutive.

Position size scaling
Yes

Sim-Funded Accounts start with 2, 4 or 6 mini contracts on the 50K, 100K and 150K sizes. The limit scales with end-of-day profit up to 5, 10 or 15 minis respectively. Ten micros count as one mini.

No

The contract limit depends on account size and does not drop after funding.

Evaluation Phase Pricing Model

Monthly subscription. Market data is included and there is no activation fee. After a hard breach, the trader can buy a reset or wait for the next renewal to receive a fresh Evaluation.

One-time payment based on program, size and profit split. The table shows the regular 90% price before any promotional code.

Expert Advisor (EA)
Yes

Algorithmic trading and EAs are allowed, but manipulative automation, high-frequency strategies and latency arbitrage are prohibited. Third-party EAs can cause duplicated-strategy issues.

Limited

Bots and automation are allowed when the strategy is unique and responsible; no HFT, tick scalping, arbitrage, feed abuse or mass-shared strategies.

VPN
Yes

VPN and VPS use is allowed if the trader remains the sole controller of the account and does not reside in a restricted country.

Limited

Upcomers' general VPN/VPS and identity-verification rules apply.

Hedging
Limited

Opposing positions may be used within one account. Hedging or offsetting directional risk across different accounts, providers or people is prohibited.

Limited

Allowed within the same account; coordinating opposite positions across accounts or people to bypass rules is prohibited.

Requires Stop Loss
No
No
Scalping
Yes

Scalping is allowed when it reflects legitimate market trading. High-frequency and latency-arbitrage strategies are prohibited.

Limited

Normal scalping is allowed; tick scalping and latency exploitation are prohibited.

Maximum Risk Limit
Limited

No fixed percentage is published, but overleveraging, one-sided bets and materially inconsistent position sizing can lead to account action or termination.

Yes

Hard maximum loss of 1.5% of account size per open trade. Positions in the same instrument and direction count as one trade.

Copy Trading
Limited

Copying between accounts owned by the same trader is allowed. Copying signals or decisions from another trader or third party is prohibited.

Limited

Allowed between your own accounts; prohibited between different people.

News Trading
Yes
Yes
Inactivity Rule

Sim-Funded Accounts receive a warning after 30 consecutive inactive days and close after a further 30 inactive days. Live Funded Accounts have no inactivity rule.

Yes

Automatic closure after 14 calendar days without closing a trade; the clock starts at purchase and resets with every closed trade.

Consistency Rule
Limited
  • Growth Evaluation: the best day cannot exceed 40% of total profit
  • Pro Evaluation: the best day cannot exceed 50% of total profit
  • Sim-Funded: no consistency rule
Yes

20% Best Day Rule: the best day cannot represent more than 20% of total profit when requesting a payout.

Hold Weekend
No
Yes
Prohibited Strategies

Exploiting platform or data-feed errors; relying on drawdown protection as the sole exit; offsetting risk across accounts; copying third-party trades; manipulative automation, HFT or latency arbitrage; opening positions within 2% of a CME price limit; holding positions or resting orders after market close; overleveraging, account rolling, spoofing, layering, wash trading or other behaviour that cannot be replicated in a live futures market.

HFT, tick scalping, arbitrage or latency abuse, feed/price abuse, mass-shared strategies, martingale, account rolling and any practice designed to exploit the simulated environment.

Overnight positions
No
Yes
Stacking / Layering (DCA)
No data
Yes
Martingale
No data
No
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