Funded Trading Plus Review May 2026

Funded Trading Plus (FTP, also known as FT+) is a proprietary trading firm founded in 2021 by Simon Massey, James F. and Michael C. The firm is registered in the UK as FTP London Ltd, with offices in Manchester. The company started in 2013 as Trade Room Plus, a live trading education room that ran successfully for over 12 years. It has evolved and later became the prop firm that is today. The company's education heritage shaped the firm's rule design and trader support infrastructure.

Funded Trading Plus is the only major forex prop firm where the profit split reaches 100%. Hit 30% total profit on a funded account and every dollar of profit from that point forward is yours. No other firm in the space offers a zero-take rate at that threshold. That structure, combined with no time limits on any evaluation, a $50 minimum payout, customizable payout cycles (down to every 3 days), and scaling to $2.5 million, has earned Funded Trading Plus $19.5M+ in total trader payouts since 2021.

In February 2026, FTP launched FT+ 2.0, a comprehensive restructuring based on five years of internal data and payout analysis. The previous lineup of overlapping programs was simplified into three core products: Instant Funding, 1-Step Express, and 2-Step Classic. The goal, as per Simon Massey's words: "We spent months analyzing five years of internal data and payout history to see exactly where our traders succeed."

FTP has 60,000+ traders across 180 countries, and a 4.4/5 Trustpilot rating with 2,600+ reviews. The firm partners with Eightcap (ASIC-regulated) and ThinkMarkets as its broker infrastructure. CEO Simon Massey is publicly visible, personally responds to Trustpilot reviews, and actively participates in the firm's community. Funded Trading Plus won Best Instant Funding Prop Firm 2025 at the Funded Trading Awards.

This review covers the firm's three core programs, every drawdown mechanic, the FT+ 2.0 restructuring, and what sets this firm apart. Read on to understand if this is the right prop firm for you.

What Does the Path to 100% Profit Split in Funded Trading Plus Look Like?

Funded Trading Plus uses a performance-based split progression:

• 80% at the start,
• 90% once total account profit reaches 20%,
• and 100% once total profit reaches 30%.

📌 At the 100% tier, the firm takes nothing. Every dollar of simulated profit becomes the your own payout.

On a $100,000 account, reaching the 100% tier means accumulating $30,000 in total profit, including amounts already withdrawn. At that point, there is no firm share deducted from any future payout. This is not a marketing gimmick with impossible conditions. A trader pulling $2,000-$3,000 per month from a $100K account reaches the 100% tier in roughly 10-15 months.

The main nuance we tested here is that some traders report that large withdrawals can affect the profit calculation. The documentation on this interaction between withdrawals and split tiers is not fully detailed. We advise you to verify exactly how withdrawals affect the running total before relying on the 100% tier for financial planning.

The Three Core Programs

FT+ 2.0 streamlined the product lineup into three paths. Each uses different drawdown mechanics, payout timing, and trade flexibility.

💡 For traders comparing across the industry, see our forex prop firm challenges page.

1. Instant Funding

The Instant program skips the evaluation entirely. You receive immediate access to a funded account with no profit targets. Daily loss limit is 6%, the maximum drawdown is 6% trailing and leverage is 1:30. The profit split starts at 70%, scaling to 90%. The payouts are available from day one and there are no minimum trading days. Also, the swap fees were removed as part of the FT+ 2.0 launch, a meaningful cost reduction for positions held multiple days.

The Instant program carries the highest fees. A $100K Instant account costs approximately $2,250. The trade-off is eliminating evaluation risk completely and gaining immediate payout access.

❌ Weekend holding is not allowed on Instant accounts; all trades must close on Friday.

❌ News trading is not allowed on Instant accounts.

2. 1-Step Express

The 1-Step Express requires a 10% profit target in a single phase. The daily loss is 4%; it is calculated from the previous day's closing balance at 4:59 PM EST, balance-based. The maximum drawdown is 6% trailing, and once the trailing drawdown reaches 6% above the starting balance, it locks. Leverage is 1:30, there are no minimum or maximum trading days, no time limit, and no consistency rule.

The profit split starts at 80%, with progression to 90% (at 20% total profit) and 100% (at 30%). The payouts are available from day 0, then every 7 days for this program.

The 1-Step Express is the most popular program. The $100K account is $549. The trailing drawdown locks after the account grows by 6%, which means it eventually behaves like static drawdown for traders who build early profit.

✅ News trading is allowed (subject to policy).

✅ Weekend holding is allowed.

✅ EAs are permitted.

3. 2-Step Classic

Before, there were Advanced, Premium, and Prestige variants, but now the 2-Step Classic has been restructured in FT+ 2.0 into a single streamlined option. The current 2-Step uses a 10% target in Phase 1 and 5% in Phase 2. The daily loss limit is 4-5% depending on the specific variant. The maximum drawdown is 8% static and a minimum of 3 profitable days (0.5% per day) is required. There is no time limit got this option and the Leverage is up to 1:50.

The static 8% drawdown on the 2-Step Classic is the most forgiving option in the FTP lineup. The floor never moves regardless of profits earned. This makes it the safest choice for swing traders who want a fixed risk boundary.

✅ Weekend holding is allowed.

✅ News trading is allowed (subject to policy).

Important to verify: FTP previously offered multiple 2-Step variants (Advanced, Premium, Prestige, Prestige Lite, Prestige Pro) with different drawdown types. The FT+ 2.0 restructuring simplified these, but the exact current parameters may still vary. Verify the precise rules for the 2-Step Classic at fundedtradingplus.com before purchasing.

💡 For a comparison of how static and trailing drawdown differ, see our guide to trailing drawdown vs. EOD drawdown.

Instant Funding, 1-Step & 2-Step Challenges Compared

Take a look at the parameters for each program. You will notice that the platforms available change depending on the program and account size.

Trading Rules and Restrictions in FTP

We strongly advise you to read this section and amplify your knowledge with FTP's help center. Here's a summary of the most important trading rules and prohibited behaviors for you to start with:

Drawdown Mechanics by Program

• The 1-Step Express uses trailing drawdown that locks once the account grows by 6% above the starting balance. After locking, the floor stops moving and effectively becomes static.
• The 2-Step Classic uses static drawdown. This means that the floor reached never moves.
• The Instant program uses trailing drawdown that does not lock.

Understanding which drawdown type applies to your program is the single most important detail before purchasing.

What Is Allowed?

After reviewing this firm, we can confirm that there are no lot size restrictions. Check it out:

✅ EAs and automated trading are permitted on all programs.

✅ Hedging within the same account and Scalping are also allowed.

✅ Overnight holding is allowed on 1-Step and 2-Step programs.

✅ No consistency rule applies, except for the 3 profitable day minimum on the 2-Ste.

What Is Restricted?

❌ Weekend holding and News trading aren't allowed on Instant accounts.

❌ Hedging across multiple accounts is prohibited.

❌ There is a 30-day inactivity policy: no trade within 30 days results in account closure.

❌ Certain high-risk strategies are banned to maintain trading environment integrity.

Platform Selection and Costs

FTP supports four platforms: Match-Trader, MetaTrader 5, cTrader (additional $25 fee), and DXtrade. If you wish to switch platforms after the registration, it will cost you $25. This switch is only allowed before the trading starts.

Most traders use MT5 or Match-Trader. The cTrader surcharge and switching fee can be considered as a minor friction point. It will always be better to choose the proper platform from the very beginning.

Payouts and Scaling: All About FTP's Schedule and Pricing

FTP offers one of the most flexible payout structures in the industry. The default payout cycle is every 7 days. Additionally, the paid add-ons at checkout allow you to select 3-day or 5-day cycles. 

Your payouts process within 24-48 hours via bank transfer or cryptocurrency, what you prefer. There are no withdrawal fees from FTP's side, and Swap fees have been removed on Instant accounts since the FT+ 2.0 update.

💡 Surprisingly, the minimum payout is $50, the lowest we have analyzed so far in the industry.

The Scaling Plan

Each time you hit a 10% profit on your current balance, FTP increases the account by 25%. Drawdown percentages remain unchanged, so the dollar-based buffer grows with the account.

There are no time requirements or consistency conditions for scaling. You will be able to request the scale-up through a support ticket, and the adjustment processes within two business days. The maximum allocation reaches $2.5 million (some sources reference $5 million for elite performers). Among best prop firms, this ceiling is at the upper end of the market.

Pricing and Payment Methods

All evaluation fees are one-time payments. The company doesn't have monthly subscriptions so you don't have to worry about recurring payments. The evaluation fees on 1-Step and 2-Step are refundable with the first funded payout. However, Instant fees are non-refundable.

Payment methods include: credit/debit cards (Visa, Mastercard) and cryptocurrency.

📌 About promotions: FTP runs periodic promotional codes. Check our prop firm deals page for active discounts.

📌 Note: Pricing is approximate and varies by program variant and add-ons selected. For ecample, choosing cTrader adds $25, payout frequency add-ons (3-day, 5-day cycles) carry additional charges too. Verify the exact pricing on the official FTP website.

Instruments and Trading Conditions

We navigated the Tradable Assets offered by the firm and these are the instruments available: Forex Pairs (Majors and Minors), FX Exotics, Spot Metals, Commodities, Indices, and Cryptocurrencies. The firm does not publish a precise instrument count, but the coverage across asset classes is standard for a multi-asset prop firm. Leverage is 1:30 on 1-Step and Instant programs, up to 1:50 on the 2-Step. Leverage also varies by symbol and asset class.

Independent reviews we analyzed suggest that spreads are competitive on major pairs but vary by platform. Commission structures depend on the broker (Eightcap or ThinkMarkets). There are no Swap fees on Instant accounts plus the evaluation accounts don't carry swap charges on any program.

PropIQ: Built-In Trader Education

Funded Trading Plus is a prop firm that operates a formal education department alongside its funding programs. PropIQ is the firm's education initiative, led by Andrew Lockwood, Head of Trader Education. PropIQ offers data-driven webinars, 1-on-1 mentorship sessions, live masterclasses, and video content through the firm's YouTube channel and blog. You can be part of their webinar by registering to this live session where you will learn from real FT+ trading information.

Lockwood's mentorship covers trading psychology, discipline, and strategy refinement. Multiple Trustpilot reviews specifically name his mentorship as a turning point. 

This education layer is a direct extension of the firm's Trade Room Plus origins. Simon Massey and the founding team ran a live trading room for 12 years before launching the prop firm. That background means FTP's rules are designed by people who traded live in front of audiences, not by fintech developers who never executed a trade.

💡 Pro Tip: Learn more, be ready. For general evaluation strategies, see our guide on how to pass a prop firm evaluation.

Countries with Limitations

Funded Trading Plus is available to traders in 165+ countries. However, due to international sanctions regimes and compliance obligations under AML and CFT policies, FTP is unable to provide services, including purchases, refunds, or payout transfers, to traders in the following countries. Traders in these regions should not place any orders.

Fully prohibited (services unavailable): Cuba, North Korea (DPRK), Syria, Iran (Islamic Republic), Myanmar, Pakistan, Vietnam.

Partially restricted (specific regions only): Ukraine — Crimea, Donetsk, Luhansk, Kherson, and Zaporizhzhya only

If you are a trader in any of these locations, FTP cannot guarantee that purchases will be refunded or that simulated profits will be transferred to you. FTP reserves the right to update this list at its sole discretion. Always check the legal disclaimer footer on fundedtradingplus.com for the current list.

Restrictions exist to prevent violations of sanctions imposed by international regulatory bodies, to reduce the risk of facilitating money laundering, and to comply with financial regulations in specific jurisdictions. US traders are accepted; FTP explicitly supports this and it is listed as a program feature.

Refund Policy

Funded Trading Plus operates a two-pathway refund structure. The applicable pathway depends on whether you have traded the account and which program you purchased.

Pathway 1: 14-day no-trade refund (all programs)

A full refund is available on evaluation and Master program purchases if no simulated trades have been placed within the first 14 calendar days of purchase. Once the first simulated trade is executed, this right is forfeited immediately.

Pathway 2: Performance-based fee refund (evaluation programs only)

For the Experienced (1-step), Advanced, and Premium programs, FTP will refund the original program fee once the trader reaches a 10% simulated profit on their FT+ Trader simulated live account. This must be requested; it is not automatic.

The right to a refund is waived at the moment the first simulated trade is placed, even within the 14-day cancellation period. You should be certain of their program choice before executing any trade.

Inactivity Rules

Funded Trading Plus does not impose a time limit to complete any evaluation or to trade on a funded account. However, all accounts, both evaluation phases and FT+ Trader simulated live accounts, are subject to an inactivity policy required by FTP's partnered brokers to maintain server stability.

• Inactivity threshold: 30 calendar days. No trade placed (open + close) within any 30-day period.
• Consequence: Hard breach + account closure applies to all programs including instant funding.
• Warning email: 7 days before the 30-day limit. You will get a system email notifying of approaching inactivity breach.

What counts as activity? At least one completed trade (position opened AND closed) within the 30-day period counts as an activity in your account.

How to Get Started with Funded Trading Plus

These are the steps we followed to start trading with this firm:

1. Visited fundedtradingplus.com and selected a program (Instant, 1-Step Express, or 2-Step Classic).
2. Chose an account size ($10K to $200K are available).
3. Selected a platform (Match-Trader, MT5, cTrader +$25, or DXtrade). We went for Match-Trader and paid zero fees.
4. Chose add-ons (faster payout cycle, scaling plan, profit split upgrade are some options).
5. Add any active promotional code at this pout, at checkout.
6. Completed our payment via credit card.
7. Received the account credentials and connected to our chosen platform.
8. Traded the evaluation (because we chose the 1-Step program). But you can begin trading immediately if you choose the Instant program.

After all of these main steps were completed, we had to pass the evaluation and complete KYC with our government-issued ID. 

Company Details

All programs at Funded Trading Plus operate in a simulated environment with virtual funds. Traders are compensated in real USD based on simulated profits in accordance with FT+ Terms & Conditions. No real trading capital is provided or traded.

Who Is Funded Trading Plus Best For?

Based on a full review of FTP's programs, rules, pricing, support structure, and trader feedback, Funded Trading Plus is best suited to the following trader profiles:

Ideal for:

• Traders who want flexibility and no time limits, no mandatory minimum days on most programs
• Swing and long-term traders who need overnight and weekend holding
• News traders (most programs permit this)
• EA and algo traders (via cTrader)
• US-based traders looking for a compliant, accessible prop firm
• Traders focused on long-term scalability (up to $2.5M)
• Those who value high profit splits (up to 100%)
• Traders who prioritize fast payouts and low minimums ($50)

Less suited for:

• Traders seeking MetaTrader 4 (MT4), these are not supported
• Budget-focused traders — pricing is above average vs. some competitors
• Traders who require Islamic (swap-free) accounts
• Weekend traders on the Advanced or Master programs (no weekend holding allowed)
• News traders using the Master (instant) program

Conclusion

Funded Trading Plus has earned its reputation as one of the most trader-friendly prop firms operating today. Founded in 2021 as an extension of Trade Room Plus, with roots going back to 2013, FTP is run by experienced traders who built the firm around the frustrations they encountered in other platforms. That origin showed us the design of their programs: clear rules, no time pressure, fast payouts, and support that traders consistently describe as responsive and honest.

The firm's standout strengths are its scalability (up to $2.5M in virtual capital), its profit split structure (starting at 80% and reaching 100% for consistent performers), and its genuine flexibility. News trading, EA trading on cTrader, overnight holding, and weekend holding are all permitted across most programs. The minimum withdrawal of $50 from day one is a huge advantage. Additionally, their weekly payout cycles thereafter makes FTP one of the most accessible firms if you want consistent cash flow.

There are real trade-offs to acknowledge too. Firstly, the pricing of their programs sits above the industry average, particularly for instant funding. Secondly, leverage is capped at 1:30 on evaluation accounts, and MT4 is not supported. Finally, while the Trustpilot rating of 4.4 is genuine and backed by high volume, FTP operates without formal FCA regulation, a standard characteristic of the prop firm sector, but one traders should factor into their decision.

Funded Trading Plus represents a strong and credible choice if you are a trader looking for fair rules, fast access to profits, and a firm that has consistently paid out and stayed solvent. It is particularly well-suited to US traders, who value long-term scaling, and those who want a firm with an active community and transparent communication.