FTMO Pricing 2026: Account Sizes and Challenge Fees

FTMO pricing must be read with the fee rule. The cheapest sticker price belongs to 1-Step, while the 2-Step fee can return with the first Reward.

The matrix below is the Standard global EUR configuration embedded on FTMO.com. Regional taxes, currencies, conditional offers and Swing selection can change checkout.

What are the current FTMO Standard prices?

These are one-time base fees displayed by FTMO on August 12, 2026. They are not a promise that every visitor, tax location or currency sees the same final amount.

What does the FTMO 100K account cost?

The current base price is €499 for 100K 1-Step Standard and €540 for 100K 2-Step Standard. FTMO also displays conditional live offers of €449 and €439 respectively for eligible visitors without an active relevant account.

The conditional price can make 2-Step appear cheaper than 1-Step for that visitor. It should not be used in an evergreen savings table because eligibility and campaign state can change.

Which FTMO fee is refundable?

The 2-Step Challenge fee is reimbursed with the first Reward. A trader must pass both evaluation phases, receive the FTMO Account and complete a qualifying Reward request.

The 1-Step fee is non-refundable. Passing faster does not create a later fee reimbursement. This is the most important economic difference after the risk rules.

How should you compare 1-Step and 2-Step cost?

For a trader who never reaches a Reward, 1-Step costs less at every displayed base tier. For a trader who does reach a first Reward, the 2-Step fee can become an interim cost rather than a permanent one.

Cost also includes evaluation difficulty. A cheaper route with tighter daily loss, EOD trailing maximum loss and Best Day can produce more repurchases for a mismatched strategy.

How much risk room does each size provide?

The 10% maximum-loss amount looks equal at the start, but 1-Step trails from qualifying end-of-day balances while 2-Step remains static. Usable lifetime risk therefore diverges after profitable days.

What does FTMO Swing cost?

FTMO says the public homepage price matrix applies to Standard accounts. Swing is selected only inside a 2-Step configuration, and a fixed public Swing matrix was not verified.

Do not copy a third-party Swing table into a purchase decision. Open the 2-Step configurator, select Swing and record the final pre-payment total for the chosen size and currency.

Does FTMO have a public coupon code?

No public PTV-specific FTMO code or fixed affiliate percentage was verified. The tracked FTMO link remains active, but it does not justify promising a discount.

FTMO can run direct or eligibility-based offers. A checkout price is evidence for that transaction, not a permanent rule for every future visitor.

Are there monthly or activation fees?

FTMO presents the Challenge fee as a one-time payment. The current flow does not list a separate activation payment for receiving an FTMO Account.

Provider conversion, tax or payment-method charges can still affect the final cost. The official order summary is the only place to confirm the charged currency and total.

Which FTMO size should you buy?

Choose from risk room, not status. Translate the daily and maximum loss into the strategy currency, then compare the fee with the number of normal losing trades the account can absorb.

A larger simulated balance can encourage larger nominal position sizes without improving the percentage rules. The best size is the smallest one that fits normal strategy variance and operational needs.

What is the effective cost after a successful first Reward?

For 2-Step, the base fee is reimbursed with the first Reward, so the long-run entry cost can fall to payment, tax or conversion friction rather than the full sticker price. That outcome is conditional on passing both phases and becoming Reward-eligible. It should not be described as a free evaluation at checkout.

For 1-Step, the fee remains a permanent acquisition cost. The product compensates with one evaluation phase and a 90% share, but the trader should compare expected repurchase frequency under the tighter rules. A €79 account can become more expensive than an €89 account if the strategy repeatedly fails the trailing mechanic.

How should currencies and taxes be handled?

The public matrix is in euros while the simulated-capital labels are shown in dollars. The payment card can settle in another currency, and local tax treatment can change the charged total. A base-price comparison should therefore keep the original currency instead of converting at a rate that will be stale tomorrow.

Use the final order summary for the actual amount and save it with the account agreement. If a conditional offer appears, note the eligibility text and expiration state. That evidence supports the purchase record without turning a private or temporary checkout state into a public promise.

Why is a larger FTMO account not automatically cheaper?

The fee per nominal dollar often falls at larger sizes, but nominal capital is not usable risk. A $200K label with a 3% daily amount still has a hard $6,000 daily budget, and 1-Step can tighten its lifetime floor after profitable end-of-day balances.

Compare fee per dollar of initial maximum loss, then compare that loss mechanic with the strategy. A larger account can reduce relative fee while increasing behavioral pressure and absolute exposure. Buy the smallest tier that supports normal position sizing without touching hard limits.

How can you compare FTMO value without marketing math?

Start with the base fee in its listed currency. Add any tax or payment conversion shown at checkout. Then divide that total by the initial maximum-loss amount, not the simulated balance. This produces a rough cost-per-risk-dollar comparison without pretending the account balance is spendable capital.

Next adjust for the mechanic. A static 2-Step floor preserves profit cushion, while a 1-Step floor can rise. Two accounts with the same initial 10% amount can therefore have different usable risk after a winning week. No single ratio captures that movement, so the product rules still need to be modeled.

Finally include refund economics. The 2-Step fee can return with the first Reward; 1-Step does not. Keep the two outcomes separate: failed-evaluation cost and successful-first-Reward cost. Combining them into one best-case number hides the actual decision.

This approach may point to a smaller tier than the marketing page emphasizes. That is fine. The account should be purchased for strategy fit and repeatable risk, not because the largest balance creates the largest visual promise.

The bottom line

FTMO 1-Step is the lower sticker-price path, while 2-Step has stronger fee-recovery economics after a first Reward. Use the Standard base matrix as a reference, treat conditional 100K deals as temporary, and price Swing directly in the configurator.

Frequently Asked Questions

How much does FTMO cost?

Current global Standard base prices begin at €79 for 1-Step and €89 for 2-Step at the $10K size. The complete matrix rises by account size.

How much is the FTMO 100K challenge?

FTMO lists a €499 base price for 100K 1-Step Standard and €540 for 100K 2-Step Standard. Conditional offers can display different live amounts.

What is the cheapest FTMO account?

The current cheapest global Standard base option is the $10K 1-Step at €79. The comparable 2-Step Standard base price is €89.

Is FTMO 1-Step cheaper than 2-Step?

Yes at current Standard base prices across the five displayed sizes, but 1-Step is non-refundable while the 2-Step fee is reimbursed with the first Reward.

Does FTMO have a discount code?

No public PTV coupon code or fixed affiliate discount was verified for this update. The tracked affiliate URL can be used, but checkout controls any live offer.

Why does FTMO show a lower 100K price?

FTMO currently displays conditional 100K offers for visitors without the relevant active account. These are eligibility-based live deals, not universal evergreen base prices.

Are FTMO Swing prices the same as Standard?

FTMO does not publish a reliable fixed Swing matrix in the public homepage widget. It says the displayed matrix applies to Standard accounts, so Swing must be priced in the configurator.

Is the FTMO fee recurring?

FTMO presents the Challenge fee as a one-time fee rather than a monthly subscription.

Is the FTMO fee refundable?

The 2-Step fee is reimbursed with the first Reward. The 1-Step fee is non-refundable.

Does FTMO charge an activation fee?

FTMO does not list a separate funded-account activation fee in the current product flow. The evaluation fee treatment differs by route.

Which FTMO size is best value?

There is no universal best size. Compare usable daily and maximum loss in euros or dollars against the fee and normal strategy variance.