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Clarity Traders vs FTMO

Clarity Traders vs FTMO: low entry prices, no minimum days and USDT payouts against a long track record, a static 2-Step drawdown and fiat payout methods. Includes a worked $100,000 example.

November 5, 2026

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Clarity Traders and FTMO both sell forex and CFD evaluations up to $200,000, plus an instant account with no evaluation, but they are built for different traders. FTMO has operated since 2015, publishes a detailed rulebook and pays by bank wire, card, Skrill or crypto. Clarity Traders is newer and cheaper to start, has no minimum days to pass, and pays only in USDT, with several features sold as paid add-ons. This comparison uses each firm's official pages as we checked them in November 2026. FundedTime has a commercial partnership with Clarity Traders. Its score and the facts below use the same method and sources as every other firm we cover.

Clarity Traders vs FTMO at a glance

Clarity TradersFTMO
MarketForex/CFDForex/CFD
FundedTime score6.6/108.8/10
Data statusPartially verified (drawdown type, daily-loss basis and country rules not published)Verified
Listed priceFrom $55 (Two Step) and $59 (One Step); Instant $95 ($5k) to $1,499 ($200k)From €89 (2-Step) and €79 (1-Step) on the global site; per-size prices not published in a readable table
Pricing modelOne-time fee; paid add-onsOne-time fee
Fee refundableOnly with the paid Refund Guarantee add-on (after first payout)Yes on 2-Step (refunded with first reward); no on 1-Step and Instant
Max account size$200,000$200,000 per account (Scaling Plan up to $2,000,000 across accounts)
Max profit split70% first payout, 80% second, 90% from third; 100% with paid add-on90% (1-Step, Instant); 2-Step starts at 80%, 90% via Scaling Plan
Profit target8% / 5% (Two Step); 10% (One Step); none (Instant)10% / 5% (2-Step); 10% (1-Step)
Daily loss limit5% (Two Step); 4% (One Step); 3% (Instant); balance or equity basis not published5% (2-Step); 3% (1-Step); equity-based
Max drawdown8% (Two Step) / 6% (One Step) in evaluation; 10% once funded; 5% (Instant)10% static (2-Step); 10% EOD trailing (1-Step)
Drawdown typeInstant: trailing; evaluation and funded limits not labelled static or trailingStatic (2-Step); end-of-day trailing (1-Step)
Minimum trading daysNone to pass; 7 trading days before any payout4 per phase (2-Step); none (1-Step)
Consistency ruleNone in evaluation; funded: no day above 20% of the requested payout (10% on Instant)1-Step only: best day 50% or less of total closed profit
News tradingAllowed on all accountsAllowed in evaluation; 2-minute window blocked on funded Standard accounts (Swing exempt)
EAs / botsOnly with the paid EA's Allowed add-on; HFT banned; trades must stay open 60 secondsAllowed, with server limits and forbidden-practice rules
First payoutAfter 7 funded trading days and an ID checkDay 14 after first trade on the FTMO Account
Payout frequencyEvery 14 days (7 with paid Express Payouts add-on)On request once eligible (no fixed cycle)
Payout methodsUSDT (ERC-20) onlyBank wire, Visa Direct/Mastercard Send, Skrill, crypto
PlatformsTradeLocker, MT5MT4, MT5, cTrader, TradingView (via OANDA)
US tradersNot published; ask supportYes, through affiliated US entity (ftmo.oanda.com)
TrustpilotRating withheld by Trustpilot (316 to 334 reviews)4.8 (55,579 reviews)

Rows marked "not published" or "not verified" could not be confirmed on the official pages we reviewed in November 2026.

FundedTime scores

Clarity Traders scores 6.6/10 and ranks eighth of the 11 forex and CFD firms we track. FTMO scores 8.8/10 and ranks first. Scores follow our published methodology, including how much we could verify, and are not a guarantee of results.

Pricing and fees

Clarity Traders publishes "from" prices for its evaluations: Two Step from $55 and One Step from $59. Its Instant page lists full prices: $95 for $5,000, $139 for $10,000, $279 for $25,000, $415 for $50,000, $789 for $100,000 and $1,499 for $200,000. Fees are one-time and not refunded by default. Paid add-ons include a Refund Guarantee (full fee back after the first successful payout), Express Payouts, 100% Rewards, EA's Allowed, Double Leverage and Trade on Weekends; add-on prices are not published, and we did not find a reset option.

FTMO publishes only starting prices, in euros, on its global site: from €89 for the 2-Step, €79 for the 1-Step and €169 for the Instant Account. We could not find a readable per-size table, so a like-for-like $100,000 price comparison is not possible. FTMO's fee is one-time with no activation or hidden fees, and the 2-Step fee is refunded in full with the first reward; 1-Step and Instant fees are not refunded.

Rules and drawdown

On the two-phase products, Clarity's Two Step asks for 8% then 5%, with a 5% daily limit and an 8% maximum loss during the evaluation that widens to 10% once funded. FTMO's 2-Step asks for 10% then 5%, with a 5% daily limit and a 10% static maximum loss throughout. Clarity has no minimum days to pass; FTMO requires 4 trading days per phase. Neither has a time limit.

Clarity's One Step uses a 10% target, a 4% daily limit and a 6% evaluation maximum loss. FTMO's 1-Step uses a 10% target, a 3% daily limit, a 10% end-of-day trailing maximum loss and, for orders from 12 October 2026, a best-day rule of 50% of total closed profit. Clarity's Instant has a 3% daily limit and a 5% trailing maximum loss.

Clarity's FAQ does not say whether its daily limit is measured on balance or equity, when it resets, or whether its evaluation and funded limits are static or trailing; it says only that the account closes if equity falls below the limit at any time. FTMO documents both: the daily floor is the day's opening balance at midnight Prague time minus 5% of initial capital, checked against equity, and the 2-Step floor never moves.

Funded-stage rules differ sharply. Every Clarity funded account needs 7 trading days before a payout and applies a consistency rule measured against the requested payout: no single day may exceed 20% of the request on One Step and Two Step, or 10% on Instant. Every Clarity trade must stay open at least 60 seconds. FTMO's 2-Step has no consistency rule, but its funded Standard accounts block new orders 2 minutes either side of selected high-impact news and must be flat before weekend breaks; the Swing account type removes both at 1:30 leverage. Clarity permits high-impact news trading on all accounts.

Automation: Clarity allows EAs only with the paid EA's Allowed add-on and bans HFT and latency arbitrage. FTMO allows EAs within server limits and its forbidden-practices rules, while warning about third-party EAs.

Worked example: $100,000 Two Step against the FTMO 2-Step

Phase 1. On Clarity the target is $108,000 and the floor $92,000; on FTMO the target is $110,000 and the floor $90,000. Both allow $5,000 of loss in a day. Suppose you make +$3,000, −$2,000, +$4,200 and +$2,900 over four days. You reach $108,100, which passes Clarity's Phase 1 on day 4. On FTMO you still need another $1,900, and you have just met the 4-day minimum.

A bad run. A string of losses totalling $8,500 from the start would breach Clarity's $92,000 evaluation floor but leave FTMO's 2-Step with $1,500 of room.

Three funded payouts of $5,000 profit each.

  • Clarity Traders: 70%, 80% and 90% give $3,500, $4,000 and $4,500, or $12,000 in USDT. Each request needs no day above $1,000 (20% of $5,000) and at least 7 trading days.
  • FTMO 2-Step: 80% each time gives $4,000 three times, or $12,000, plus the 2-Step fee refunded with the first reward. The split rises to 90% only through the Scaling Plan.

Over three payouts the take-home is the same before fees. Clarity pays less early and more from the third payout; FTMO adds the fee refund without an add-on. Model your own figures with the drawdown calculator and position size calculator.

Payouts

Clarity becomes eligible after 7 funded trading days and a completed ID check, then pays every 14 days, or every 7 with Express Payouts. Each request is reviewed for rule compliance, with attention to the 60-second rule and HFT, and approved rewards are paid in USDT (ERC-20). The FAQ does not publish a minimum or a processing time.

FTMO's first reward can be requested on day 14 after the first trade on the funded account, then on request once eligible. The split is 80% on the 2-Step (90% via the Scaling Plan or Premium Programme) and 90% on 1-Step and Instant. Methods are bank wire, Visa Direct or Mastercard Send, Skrill and crypto, with minimums of $20 (wire and card) and $50 (crypto). FTMO reviews requests within 1 to 2 business days and sends approved rewards within a further 1 to 2. See the Clarity Traders payout guide and FTMO payout guide.

Platforms and US access

Clarity offers TradeLocker and MT5 and does not publish a full instrument list. FTMO supports MT4, MT5, cTrader and TradingView (through OANDA), with 1:100 leverage on Standard accounts. FTMO serves US residents through an affiliated entity at ftmo.oanda.com. Clarity does not publish a restricted-country list or say whether US residents are accepted, so ask support first.

Reputation

FTMO held 4.8 on Trustpilot from 55,579 reviews in November 2026. Trustpilot was withholding Clarity's rating for a guidelines breach and said it had removed fake reviews; between 316 and 334 reviews were listed. Clarity reviewers praise low prices and smooth payouts, while some report denied payouts over trades closed within about 60 seconds.

Who each firm suits

Clarity Traders

Traders who want a low entry price, no minimum days, unrestricted news trading and a split that reaches 90% from the third payout, and who are comfortable with USDT payouts and a 60-second minimum trade time.

FTMO

Traders who want a long record, a fully documented static-drawdown 2-Step, a fee refund without an add-on, fiat payout methods and a confirmed route for US residents.

Which should you choose if…

  • You scalp trades under a minute: FTMO, since Clarity requires 60 seconds per trade.
  • You trade high-impact news once funded: Clarity, or FTMO's Swing account.
  • You need bank payouts: FTMO.
  • You want the cheapest entry: Clarity, from $55.
  • You live in the US: FTMO through ftmo.oanda.com; confirm Clarity eligibility with support.

Bottom line

FTMO scores 8.8/10 and ranks first of the 11 forex and CFD firms we track; Clarity Traders scores 6.6/10 and ranks eighth. FTMO's lead comes from its record, documentation and payout options. Clarity can make sense for a low-cost, news-friendly trader who accepts its add-ons and crypto-only payouts.

Read the full Clarity Traders review and FTMO review, see Clarity Traders vs FundedNext and FTMO vs FundedNext, or compare more firms in the comparison tool.

Sources (checked November 2026): Clarity Traders: claritytraders.com/faq, claritytraders.com/instant, trustpilot.com/review/claritytraders.com; FTMO: ftmo.com/en/trading-objectives, ftmo.com/en/2-step-challenge, ftmo.com/en/1-step-challenge, ftmo.com/en/faq/how-do-i-withdraw-my-profits, ftmo.com/en/faq/who-can-join-ftmo, trustpilot.com/review/ftmo.com.

FAQ

Is Clarity Traders or FTMO cheaper?

Clarity Traders starts lower: Two Step from $55, One Step from $59 and Instant from $95. FTMO starts from €89 for the 2-Step and €79 for the 1-Step, but refunds the 2-Step fee with the first reward.

How do Clarity Traders and FTMO pay out?

Clarity Traders pays only in USDT (ERC-20), every 14 days after 7 funded trading days. FTMO pays by bank wire, card, Skrill or crypto, with the first reward available from day 14.

What profit split does each firm pay?

Clarity Traders pays 70% on the first payout, 80% on the second and 90% from the third, or 100% with a paid add-on. FTMO's 2-Step pays 80%, rising to 90% through the Scaling Plan; its 1-Step and Instant pay 90%.

What is Clarity Traders' 60-second rule?

Every trade must stay open at least 60 seconds. Shorter trades can lead to restrictions or denied payouts. FTMO has no minimum trade duration.

Can US traders use Clarity Traders or FTMO?

FTMO serves US residents through its affiliated site ftmo.oanda.com. Clarity Traders does not publish whether US residents are accepted, so ask support before buying.

Educational content only, not financial advice. Trading involves substantial risk of loss. Prop firm rules change often; check the firm's official terms. Some links may be affiliate links; see our disclosure.

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