Funded Trading Plus review: challenges, rules and payouts

Challenges from

$99

$10K account

Profit split

80%

best on offer

Programs

Instant, 1-step, 2-step

8 challenges

Accounts up to

$100K

Relative, Static drawdown

Overview

Funded Trading Plus (FT+) has been around since 2021 and was bought by Instant Funding in May 2026. It offers simulated forex, index, commodity and crypto CFD accounts on MT5 and Match-Trader. It suits traders who want quick access to payouts and don't need the fee back.

How the evaluation works

1-Step Express: a 10% target, a 4% daily loss limit and a 6% max loss. The max loss trails your closed balance until it reaches the starting balance.
2-Step Classic: 7% in each phase, with a 4% daily and 8% static overall limit.
Instant: no evaluation, with a 6% daily limit and a 6% max loss that trails the same way as the 1-Step.
Pass Now Pay Later: a $4 one-step challenge with a 2% target. You pay the activation fee only if you pass.

Rules worth knowing

The 2-Step Classic has a 35% consistency rule in both phases and 50% once funded. It also has a 3% symbol loss limit: losing more than 3% on a single instrument in a day closes the account. Instant accounts can't hold over the weekend, and open trades are closed at 4.30pm EST on Friday. You can hedge within one account but not across accounts. Copy trading is only allowed between your own accounts. Accounts need a trade every 30 days.

Getting paid

Every program starts at an 80% split. It rises to 90% once a funded account reaches 20% profit. On the 1-Step and Instant you can request a payout from day one, with a $50 minimum, then every 7 days. The 2-Step pays from day 10 and every 10 days after. Payouts go out in crypto or through Rise, and the new programs don't refund the fee.

At a glance

Platforms: MetaTrader 5, Match-Trader
Payouts: Crypto, Rise
Founded: 2021

Good

No minimum trading days on the 1-Step Express
Payout requests from day one on 1-Step and Instant
Split rises to 90% after 20% profit on funded accounts
EAs allowed within the abuse rules

Watch for

No fee refund on the current programs
Consistency rule and 3% symbol loss limit on the 2-Step Classic
Instant accounts are expensive and can't hold over the weekend

Challenges

Every account Funded Trading Plus sells. Sort by any column.

Program						Drawdown			Payouts
1-Step Express1-step	$10K	$99	10%	4%	6%	Relative	80%	None	7 days
1-Step Express1-step	$50K	$349	10%	4%	6%	Relative	80%	None	7 days
1-Step Express1-step	$100K	$549	10%	4%	6%	Relative	80%	None	7 days
2-Step Classic2-step	$25K	$169	7% / 7%	4%	8%	Static	80%	None	10 days
2-Step Classic2-step	$50K	$319	7% / 7%	4%	8%	Static	80%	None	10 days
2-Step Classic2-step	$100K	$549	7% / 7%	4%	8%	Static	80%	None	10 days
InstantInstant	$5K	$249	None	6%	6%	Relative	80%	None	7 days
InstantInstant	$25K	$1,099	None	6%	6%	Relative	80%	None	7 days

Trading rules

What the funded account lets you do. Restricted means allowed with conditions; check the firm's terms.

News tradingNot checked yet

Expert advisors / botsAllowed

Copy tradingRestricted

Weekend holdingRestricted

Overnight holdingAllowed

HedgingRestricted

Not available to residents of AF, BI, BY, CU, ER, GN, GW, IR, KP, LR, LY, MM, PG, RU, SD, SO, SS, SY, VN, VU, YE, ZW.

Payouts

How you get paid

Methods: Crypto, Rise
Frequency: 7 days · 10 days
First payout: after 10 days

Profit split by program

1-Step Express: up to 80%
2-Step Classic: up to 80%
Instant: up to 80%

What traders say

Scores from the sites traders use, and our summary of what they're saying, checked 6 October 2026.

TrustpilotRead the threadschecked 6 October 2026 ↗Prop Firm Match4.3/ 572 reviews · checked 6 October 2026 ↗Forex Peace ArmyRead the threadschecked 6 October 2026 ↗MyfxbookRead the threadschecked 6 October 2026 ↗RedditRead the threadschecked 6 October 2026 ↗

Funded Trading Plus has a long record of positive reviews, and it scores 4.3 on Prop Firm Match from about 70 verified traders. Its Trustpilot page, with roughly 2,650 reviews, no longer shows a score: Trustpilot says it removed a number of fake reviews, and review sites that quoted 4.4 earlier in 2026 now report the score as hidden. Since Instant Funding bought the firm in May 2026, a share of reviewers say things have changed for the worse.

What traders like

Fast payouts. Many reviewers say payouts landed within a day, with the first available from day one of funding.
Few restrictions. Traders like the absence of consistency rules on most programs, and being allowed to hold over weekends and trade the news.
Support. Prop Firm Match reviewers often name individual support staff who sorted out a problem quickly.
Long-term payers. Several traders on Reddit and Trustpilot describe many payouts over one to two years without trouble.

Common complaints

Bans after passing. Some reviewers say accounts were closed at the KYC stage or for copy trading or excessive risk, and that the reason given was vague.
Worse conditions. Several Trustpilot and Reddit posters say spreads, swap costs and fills have got worse, and that older, looser challenges were replaced with trailing drawdown and consistency rules.
The sale to Instant Funding. A number of long-time customers say they are unhappy with the new ownership and that replies have slowed.
Forex Peace Army disputes. A handful of one-star reports there allege manipulated account figures.

Recently

August 2026: review sites note the Trustpilot score is hidden and that some reviewers report slower responses since the post-acquisition systems move.
September 2026: a Trustpilot reviewer describes delays getting credentials after passing a pass-and-pay account, and the firm replied that it was looking into it.