Detailed Comparison: Funded Trading Plus vs Instant Funding (2025)

London, United Kingdom

Top floor, Rodney Court Building, Rodney Bay, Gros Islet, Saint Lucia

United Kingdom

Saint Lucia

Lewis Mansbridge

Gooey Trade (technology provider)

Liquidity Provider

Refund available within 14 days if no trades have been placed. Evaluation fee refund also available upon reaching 10% profit on the FT+ Trader simulated live account (not applicable to Master or Prestige programs).

• 1-Step Express: first withdrawal from day 1, then every 7 days. Minimum $50.
• 2-Step Classic: first withdrawal 10 days after funded account creation, then every 10 days. Minimum 1% of initial balance.
• Instant: first withdrawal from day 1, then every 7 days. Minimum $50.
• Activation Accounts: every 10 trading days. Requires at least 3% simulated profit and 25% payout consistency. Minimum withdrawal $50.

IF Evolve

On-demand payouts once the funded-stage eligibility requirements are met.

Instant Funding

First withdrawal after 14 days from your first trade; then every 7 days after each new trade.

Instant Funding GO

First withdrawal after 14 days from your first trade; then every 7 days after each new trade. Minimum withdrawal: $25.

Instant Funding Micro, One-Phase Micro, Two-Phase Micro, One-Phase & Two-Phase

On-Demand Payouts, withdraw anytime once eligible.

IF Micro Clarity

On-demand payouts, withdraw anytime once eligible.

One-Phase Clarity

First payout on-demand once the 1.5% minimum is reached; then every 7 days.

Instant Funding Clarity

First withdrawal after 14 days from your first trade; then every 7 days after each new trade.

IF Micro Lite

Payouts every 14 days once eligible; Smart Drawdown must be locked.

• 1-Step Express / Instant: $50
• 2-Step Classic: 1% of the initial balance
• Activation Accounts: $50 after reaching the 3% payout-eligibility threshold

IF Evolve

• $250

Other accounts

• $25

IF Micro Lite

• Net profit of at least 5% of starting balance, before profit split.

IF Evolve

• Maximum 50% of account profit per payout
• Maximum $2,000 per request
• Maximum 5 payouts per account

• 1-Step Express, Instant and Activation Accounts: 1:30
• 2-Step Classic: 1:50

IF Evolve

• 30:1

Other accounts

• 100:1 (30:1 with news trading add-on)

IF Micro Lite

• 30:1

• Commodities (metals): 1:30
• Gold & Silver: 1:20

20:1 (8:1 with news trading add-on)

IF Micro Lite

• 5:1

20:1 (8:1 with news trading add-on)

20:1 (8:1 with news trading add-on)

2:1 (1:1 with news trading add-on)

Available for breached or failed evaluations at a discounted price. Not available for simulated live accounts.

Accounts can't be reset. After a breach, traders must purchase a new account.

Profit split upgrade add-ons available at checkout (e.g., start with 90/10 split).

• Allow major news trading and weekend holding

• Add 10% to profit split

• +5% Best Day (IF Micro up to $50,000): raises Best Day limit from 15% to 20%

• Extended 48-hour trading window (IF1 only)

• Increased best trade limit of 20% (IF1 only)

• IF Micro Lite: +10% profit split (90%).

• 1-Step Express: 10% scaling target
• 2-Step Classic: 20% scaling target; requires 50% consistency, one successful withdrawal and an account active for at least two months
• Instant: 10% scaling target
• Activation Accounts: no scaling plan

Eligible programs can scale up to a $2,500,000 starting balance, with a maximum of $5,000,000 after scaling. Requests are subject to risk review and require no open trades.

Challenge Accounts + Instant Funding Micro + IF Micro Clarity + One-Phase Clarity

+25% to starting balance every 90 days with 10% profit, up to 2× the original account size.

Instant Funding & Instant Funding GO

• Instantly double your account when you reach 10% profit (up to $1,280,000).
• You keep all profit except 5% of starting balance used for scaling.

IF Micro Lite

• +25% to starting balance every 90 days with 10% profit, up to twice the original account size.

• 1-Step Express: 6% relative trailing maximum drawdown; locks at the initial balance
• 2-Step Classic: 8% static drawdown
• Instant: 6% relative trailing maximum drawdown; locks at the initial balance
• Activation Accounts challenge: 6% static maximum drawdown
• Activation Accounts funded: 6% trailing maximum drawdown; locks at the initial balance

IF Evolve

• End-of-Day trailing drawdown. It updates at 17:00 EST from the highest recorded end-of-day balance, only moves upward, and locks permanently at the starting balance.

Instant Funding, Instant Funding GO & Instant Funding Clarity

• Smart Drawdown. Starts at –10% and shifts to –5% once you gain 5%. After that, the drawdown stays fixed at –5% of your starting balance, no matter how much you profit.

IF Micro Clarity & One-Phase Clarity

• 6% trailing drawdown of the starting balance. Trails off closed trades only and never decreases.

Rest of accounts

• Static

IF Micro Lite

• Smart Drawdown locks permanently at -3% of starting balance after a 3% gain in closed-trade balance.

• 1-Step Express, 2-Step Classic and Instant: start at 80%; eligible accounts can scale to 90% at 20% profit and 100% at 30% profit. An optional add-on can start the account at 90%.
• Activation Accounts: fixed 80% profit split; it does not increase over time.

Instant Funding, Instant Funding GO, Instant Funding Micro, One Phase, One Phase Micro, Two Phase, Two-Phase Micro, IF Micro Clarity, One-Phase Clarity, Instant Funding Clarity

• 80%

IF1

• 90%

One-Phase, Two-Phase, and Two-Phase Micro Challenges

• Trade for at least 3 months and achieve a profit of 10% or more
• Contact support to request a review of your results
• Once verified, your profit split will be increased to 90%

Clarity (Micro Clarity, One-Phase Clarity, Instant Funding Clarity)

• Up to 90% with the +10% profit split add-on

• 1-Step Express: 4%, balance based
• 2-Step Classic: 4%, balance based
• Instant: 6%, balance based
• Activation Accounts challenge: 4%, balance based
• Activation Accounts funded: 3%, balance based

IF Evolve

• No Daily Loss limit during either the Challenge or Funded stage.

Instant Funding & Instant Funding GO

• Highest balance or equity recorded at the end of the day (EOD high-watermark)

IF Micro Clarity

• 3% of account value/day. Daily reset at 17:00 EST, recalculated on the higher of balance or equity.

One-Phase Clarity

• 4% of account value/day. Daily reset at 17:00 EST, recalculated on the higher of balance or equity.

Instant Funding Clarity

• No daily drawdown

IF Micro Lite

• Recalculated at 17:00 EST on the higher of balance or equity. Breaching the daily limit closes the account.

• 1-Step Express, 2-Step Classic and Instant: scaling up to a $2,500,000 starting balance, with a $5,000,000 maximum after scaling
• Activation Accounts: maximum $250,000 combined activated capital

$1,000,000 combined starting balance across all programs, including IF Micro Lite. Scaled balances do not count toward this cap.

Activation Accounts: up to 10 activations per month and a maximum of 5 activated accounts at the same time, subject to the $250,000 combined limit. There is no limit on challenges purchased or passed.

IF Evolve

• Up to 5 active Evolve accounts at the same time

Only untraded simulated live accounts can be merged. Maximum merged account size is $200,000 (or $100,000 if the program doesn't offer $200K). Not applicable to 2-Step Classic.

No time limit on any program. Accounts must have at least 1 trade (open and close) every 30 days to remain active.

• IF1: 24 hours
• IF Micro Clarity & One-Phase Clarity: Unlimited
• Rest of accounts (including Instant Funding GO): Unlimited

Activation fee due only after passing, with no payment deadline:

• 25K: $179
• 50K: $299
• 100K: $489
• 200K: $969

No minimum trading days requirement on any program. Account must be active within any 30-day calendar period (at least one trade opened and closed) or it will be hard-breached for inactivity.

IF Evolve

• 5 profitable days of at least 0.25% to pass the Challenge
• Another 5 qualifying days are required for each funded payout

IF Micro Clarity

• 5 profitable trading days per payout cycle, each generating at least 0.5% profit. The count resets after every successful payout.

Activation Accounts cost $4 to start on every available account size. If the challenge is not passed, no further fee is charged.

Instant Funding, Instant Funding GO, Instant Funding Micro, IF1, IF Micro Clarity, One-Phase Clarity: No minimum

• One Phase, One Phase Micro, Two Phase, Two-Phase Micro: 3 days

• IF Micro Lite: No minimum

• You earn 1 point for every $1 spent and you can use points to obtain promotional codes with discounts up to 50%.
• You earn 10% of the final value (after discounts) in points for every purchase.

EAs, Algos and Bots are allowed. Must not be used for copy trading or hedging across accounts. EAs may be requested for review upon evaluation pass. FT+ does not provide support for third-party EAs.

Hedging is allowed on the same account (opposing positions on the same instrument). Hedging across multiple accounts is strictly prohibited.

Scalping is permitted, but not HFT. HFT includes trades held under 60 seconds or a high number of trades per hour.

Violations

• 1–2: Warning + profit deduction
• 3: Account breach

• Symbol Loss Limit (2-Step Classic): Maximum loss per single symbol per day, based on balance at 16:59 EST. Hard breach rule.
• Margin utilization review triggers at milestones (evaluation passes, scaling requests, withdrawals). Not a hard limit but triggers manual risk team review.

Maximum Lot Rule: Full list here

Maximum risk per trade idea — funded accounts

• General limit: 50% of the account's starting daily drawdown.
• Instant Funding: 3% of the starting balance.
• Instant Funding GO and One-Phase Crypto: 2%.
• IF Micro, IF Micro Crypto and IF1: 1%.
• Two-Phase Micro: 2% on accounts up to $50,000 and 1.5% on accounts of $100,000 or more.

Clarity accounts (IF Micro Clarity, One-Phase Clarity)

• No maximum-risk-per-position rule. Instead, a circuit breaker closes all positions if unrealised losses exceed 1.5% (IF Micro Clarity) or 2% (One-Phase Clarity) of the starting balance. The first breach reduces the profit split to 50%; the second closes the account.

IF Micro Lite

• Floating losses exceeding 1% of starting balance close all positions and trigger a strike. Account Drawdown and news-window violations share one strike pool: first strike reduces profit split to 50%; second closes the account.

IF Evolve

News trading is allowed during both the Challenge and Funded stages.

Challenge accounts

One-Phase, Two-Phase → free news trading.

Micro accounts

IF Micro, IF1, One-Phase Micro, Two-Phase Micro → news trading allowed.

Clarity accounts

IF Micro Clarity, One-Phase Clarity → news trading included by default (no add-on required). Straddling prohibited on One-Phase Clarity.

Funded accounts

Instant Funding, Instant Funding GO, Instant Funding Clarity, One-Phase, Two-Phase → news trading only with the Major News Trading add-on. Two-Phase Micro has news trading enabled by default.

News restriction window

Blocks market orders, pending limit orders, and TP/SL triggers on affected instruments:

• Funded accounts: 4 min before + 4 min after news (8 min total).

Warning system (funded accounts: One-Phase, Two-Phase, Instant Funding, Instant Funding GO)

• Up to 2 warnings with profit deductions for trades made inside the restriction window.
• 3rd violation = account breach.
• Profit deductions don't affect daily drawdown, but overall drawdown adjustments still apply.

IF Micro Lite

• Trading on affected instruments is prohibited within 4 minutes before and after major news. Violations count toward the shared strike pool described under maximum risk.

30 days. At least 1 trade (open and close) required every 30 days. Warning email sent 7 days before breach.

60 days

• 1-Step Express: no consistency rule
• 2-Step Classic: 35% during evaluation and 50% when funded; also applies a 3% Symbol Loss Limit
• Instant: no consistency rule
• Activation Accounts challenge: no consistency rule
• Activation Accounts funded: 25%, checked only when requesting a payout; it does not breach the account

No payout consistency rule

• Instant Funding and Instant Funding GO
• One-Phase Clarity and Instant Funding Clarity

Best-day / best-trade rule for payouts

• IF Evolve: the best trading day must not exceed 40% of total profit during both the Challenge and Funded stages.

• IF Micro, IF Micro Crypto, One-Phase Micro and Two-Phase Micro: the best trading day must not exceed 15% of total profit.

• IF1: the most profitable trade must not exceed 15% of total profit.

• IF Micro with the +5% Best Day add-on: 20%.

• One-Phase and Two-Phase: the best trading day must not exceed 40% of total profit.

• IF Micro Clarity: the best trading day must not exceed 20% of total profit.

• IF Micro Lite: best trading day at most 15% of total profit for payout eligibility.

• 1-Step Express: allowed
• 2-Step Classic: allowed
• Instant: not allowed; trades are automatically closed at 4:30 PM EST on Friday
• Activation Accounts: allowed during both challenge and funded phases

• IF Evolve: Overnight and weekend holding are not permitted. All positions close automatically at 17:00 EST.

• Instant Funding, Instant Funding GO: Only allowed with add-on

• IF Micro, IF1, Two-Phase Micro: Allowed without restrictions

• IF Micro Clarity, One-Phase Clarity: Allowed without restrictions, no add-on required

• One Phase, Two Phase: Allowed during evaluation, and during funded phase with add-on

• IF Micro Lite: Weekend holding is not permitted.

• Arbitrage
• Grid trading
• Tick scalping
• Abuse of demo trading conditions
• Account management / passing services
• Hedging across multiple accounts

• Latency Arbitrage
• Tick Scalping
• Account Arbitrage
• Exploiting platform glitches
• Reverse Trading
• Group Hedging
• Group Copying
• Account Management
• High-Frequency Trading (HFT)
• Third-Party EAs
• Account Churning (Rolling)
• One-Sided Bets
• Grid Trading
• Overleveraging
• Gambling

One-Phase, Two-Phase, IF Micro

Martingale is fully permitted. You can add to losing positions and increase lot sizes without restriction.

Instant Funding

Adding to losing positions is allowed, but repeatedly doubling lot sizes after losses is not permitted.