Guides / FTMO vs FXIFY

FTMO vs FXIFY: rules compared

FTMO and FXIFY side by side: prices, drawdown, news, weekend and EA rules, and the hidden rules in their terms. Every figure comes from each firm's own site.

Quick take

FXIFY has the higher fine-print score (47 vs 26), meaning fewer or milder hidden rules by our method.
FTMO: 0 of 3 plans clearly allow news trading; FXIFY: 0 of 8.
FTMO: 0 of 3 plans clearly allow weekend holding; FXIFY: 1 of 8.
FTMO: 0 of 3 plans clearly allow EAs; FXIFY: 0 of 8.

Which is better depends on how you trade. “Not found in the pages we read” means we didn't find it in the firm's pages we read. Checked 23 Oct 2026. Not financial advice.

	FTMO	FXIFY
Challenge types	Instant; 1-Step; 2-Step	1-Phase; 2-Phase; 3-Phase; Instant Funding; Lightning
Plans tracked	3	8
Cheapest listed price	€79 ($10,000 1-Step)	$19 ($2.5k Instant Funding - Lite (Trailing))
Daily loss limit	2-Step (Standard/Swing): 5% (Max Daily Loss) 1-Step: 3% Instant: 3%	One Phase (1-Step): 3% (based on prior-day 5PM EST balance) Two Phase - Classic (Static): 4% Two Phase - Standard (Trailing): 4% Two Phase - Pro (Static): 4% Three Phase: 5% Instant Funding - Standard (Trailing): 8% +2 more plans on the firm page
Max loss	2-Step (Standard/Swing): 10%, static 1-Step: 10%, trailing on balance (end of day) Instant: 10%, trailing on balance (intraday)	One Phase (1-Step): 6%, trailing on closed balance until 6% profit then locks at starting balance (also locks after payout) Two Phase - Classic (Static): 10%, static Two Phase - Standard (Trailing): 10%, trailing on closed balance until 10% profit then locks (also locks on payout) Two Phase - Pro (Static): 8%, static Three Phase: 5%, static Instant Funding - Standard (Trailing): 8%, trailing on closed balance, locks at start balance at 8% profit/payout +2 more plans on the firm page
Profit split	2-Step (Standard/Swing): 2-Step: 80% default, 90% with Scaling Plan/Premium Programme; 1-Step and Instant: 90% 1-Step: 90% Instant: 90%	One Phase (1-Step): Up to 90% (90% with +15% split add-on) Two Phase - Classic (Static): Up to 100% Two Phase - Standard (Trailing): Up to 90% (90% with +15% split add-on) Two Phase - Pro (Static): 80% Three Phase: Up to 90% (90% with +15% split add-on) Instant Funding - Standard (Trailing): Up to 90% +2 more plans on the firm page
News trading (plans)	Allowed with conditions: 3/3	Not allowed: 3/8 Allowed with conditions: 5/8
Weekend holding (plans)	Allowed with conditions: 3/3	Allowed: 1/8 Not allowed: 2/8 Allowed with conditions: 5/8
EAs (plans)	Allowed with conditions: 3/3	Not allowed: 3/8 Allowed with conditions: 5/8
Consistency rule (plans)	Has a consistency rule: 2/3 Not found in the pages we read: 1/3	No consistency rule: 2/8 Has a consistency rule: 3/8 Not found in the pages we read: 3/8
Hidden rules found	23 (10 can breach the account)	17 (10 can breach the account)
Fine-print score	26/100	47/100
Rule changes logged	1	0
Platforms	MT4; MT5; cTrader; TradingView	MT4; MT5; DXTrade

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