Prop firms whose payouts run weekly, daily or on demand after the first withdrawal, with each program's first-payout rule, ongoing frequency, split at that frequency and methods, plus the buffers, caps and consistency checks that apply.
This guide explains how FTMO pays its funded traders: when the first reward becomes available, how often you can withdraw, what share you keep and which methods FTMO lists. We checked November 2026 against FTMO's official rules and withdrawal FAQ, using the facts in our FTMO review. FTMO accounts are simulated, and rewards depend on following its rules, so confirm current terms in your client area before you request a payout.
FTMO payout terms at a glance
| Term | FTMO |
|---|---|
| First payout | From day 14 after your first trade on the FTMO Account |
| Frequency | On request when eligible; no fixed calendar cycle published |
| Minimum | $20 of closed profit (bank wire, card); $50 (crypto) |
| Caps | Card transfers $20,000; Skrill $3,000 |
| Profit split | 80% on 2-Step (90% via Scaling Plan or Premium Programme); 90% on 1-Step and Instant |
| Methods | Bank wire, Visa Direct or Mastercard Send, Skrill, crypto |
| Processing time | Review in 1 to 2 business days, then typically 1 to 2 business days to send |
| Fee refund | 2-Step fee refunded with the first reward; 1-Step and Instant not refunded |
When is the first payout?
You can request your first reward on the 14th day, or any later day, after your first trade on the funded FTMO Account. The clock starts with that first funded trade, not with the day you passed the Challenge or the day the account was issued, so a slow start pushes your first payout back.
Before the request goes in, all positions and pending orders must be closed. That matters for traders who hold positions for several days: plan to be flat on the day you want to request, rather than discovering at the last minute that an open trade blocks you.
There is no minimum number of trading days on the funded account and no profit target, so the 14-day wait is the main timing condition. The amount you can withdraw is your closed profit above the starting balance.
How often can you withdraw?
FTMO's withdrawal help article does not set a fixed cycle after the first reward. Later rewards are requested when you are eligible rather than on a published weekly or monthly calendar. In practice, this means checking your client area for when the request option becomes available again, rather than assuming a set number of days.
Payout history also matters for growth. The Scaling Plan raises 2-Step and 1-Step funded accounts by 25% every four months when you have made at least 10% net profit and at least two processed rewards in that period, up to $2,000,000 across all FTMO Accounts. Instant Accounts are excluded. If you plan to scale, taking regular rewards is part of qualifying, not a distraction from it.
Profit split explained
Your share depends on the product you bought:
- 2-Step Challenge: 80%, rising to 90% under the Scaling Plan or the Premium Programme.
- 1-Step Challenge: 90%.
- Instant Account: 90%.
Worked example. Say you have $6,000 of closed profit on a funded account when you request your first reward.
- On a 2-Step account at 80%, you receive $6,000 × 0.80 = $4,800, and FTMO keeps $1,200. Because this is your first 2-Step reward, the challenge fee is refunded on top. The refund equals the fee you paid, which depends on the account size you bought.
- On a 1-Step or Instant account at 90%, the same $6,000 pays $6,000 × 0.90 = $5,400, with no fee refund.
- A 2-Step account that has reached 90% through the Scaling Plan or Premium Programme would also pay $5,400.
So the 1-Step pays $600 more on this reward, but the 2-Step gives the fee back. Which comes out ahead on a first payout depends on the fee you paid; after the first reward, the 10-point split difference is the main gap. Our profit calculator lets you run your own figures.
Payout methods and fees
FTMO lists four ways to receive rewards: bank wire, Visa Direct or Mastercard Send card transfers, Skrill and cryptocurrency. Availability can depend on your country, so check what your client area offers before you rely on one method.
The minimum is $20 of closed profit for bank wire and card transfers and $50 for crypto. Card transfers are capped at $20,000 and Skrill at $3,000, so a large reward may need bank wire or crypto. FTMO says it does not charge its own withdrawal fee. Your bank, card issuer or crypto network may still charge their own fees, which FTMO does not control.
On timing, FTMO says it reviews requests within 1 to 2 business days and typically sends approved rewards within a further 1 to 2 business days. Weekends and bank holidays are not business days, so a Friday request can take longer in calendar terms.
Rules that can block or reduce a payout
- Daily and maximum loss: these still apply on the funded account. The daily limit is 5% of initial capital on the 2-Step and 3% on the 1-Step and Instant, measured on equity. The 2-Step maximum loss is a static 10%; the 1-Step uses a 10% end-of-day trailing limit, and the Instant Account an intraday balance-based trailing 10%. A breach ends the account and any unrequested profit with it. On a new 1-Step account, a reward withdrawal resets the trailing floor to 90% of initial capital.
- Consistency: the 2-Step has none. The 1-Step requires your best day to be 50% or less of total closed profit (orders from 12 October 2026). The Instant Account's comparison row lists a 30% consistency figure. See prop firm consistency rules.
- News: on funded Standard and Instant accounts, execution is blocked from 2 minutes before to 2 minutes after selected high-impact releases, including stops and take-profits triggered in that window. Swing accounts are exempt.
- Weekend holding: funded Standard accounts must close positions before market breaks longer than two hours, including weekends. Swing accounts are exempt.
- Forbidden practices: FTMO restricts tools that exploit platform delays, excessive server requests and opposite positions across connected accounts, and someone else trading your account is prohibited.
- Identity checks: FTMO runs an identity check called FTMO Identity. We could not read the article explaining when it is required, so confirm the timing early rather than at your first payout.
Step-by-step: how to request a payout
- Wait until at least day 14 after your first trade on the FTMO Account.
- Close all positions and cancel pending orders.
- Complete any identity verification your client area asks for.
- Open the reward request in your client area and check the amount and split shown.
- Choose a payout method, keeping the $20 or $50 minimum and the card and Skrill caps in mind.
- Submit the request and allow 1 to 2 business days for review and a further 1 to 2 business days for the transfer.
Before you request a payout checklist
- Confirm you are still inside the daily and maximum loss limits. Our drawdown calculator shows how much room you have left.
- On a 1-Step account, check that your best day is no more than 50% of total closed profit.
- Make sure every position and pending order is closed.
- Estimate your take-home amount at 80% or 90% with the profit calculator.
- Check which payout methods are offered in your country and whether your reward exceeds the card or Skrill cap.
For the full picture on FTMO's pricing, rules and score, read our FTMO review. To see how FTMO's payout terms stack up, browse our payout guides or use the comparison tool.
Sources: ftmo.com/en/how-it-works, ftmo.com/en/trading-objectives, ftmo.com/en/2-step-challenge, ftmo.com/en/1-step-challenge, ftmo.com/en/faq/who-can-join-ftmo, ftmo.com/en/faq/how-do-i-withdraw-my-profits, ftmo.com/lp/ftmo-challenge-1-step-vs-2-step/us.
FAQ
When can I request my first FTMO payout?
On the 14th day, or any later day, after your first trade on the funded FTMO Account, once all positions and pending orders are closed.
What profit split does FTMO pay?
80% on 2-Step accounts, rising to 90% under the Scaling Plan or Premium Programme, and 90% on 1-Step and Instant accounts.
How long does an FTMO payout take?
FTMO says it reviews requests within 1 to 2 business days and typically sends approved rewards within a further 1 to 2 business days.
What is the minimum FTMO withdrawal?
$20 of closed profit for bank wire and card transfers, and $50 for crypto. Card transfers are capped at $20,000 and Skrill at $3,000.
Does FTMO refund the challenge fee?
The 2-Step fee is refunded with your first reward. The 1-Step and Instant Account fees are not refunded.
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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