Build your comparison
Fintokei vs FTMOwhich prop firm deserves your challenge fee?
Quick verdict
Safer counterparty
FTMO
Faster payouts
Fintokei
Better for smaller budgets
Fintokei
Rule stability
Too close to call
Feature comparison
| Feature |  Fintokei |  FTMO | Winner |
|---|---|---|---|
| Starting price | $44 | $79 | Fintokei |
| Challenge model | 1-step, 2-step, 3-step | 1-step, 2-step | Tie |
| Max funding | $400K | $2M | FTMO |
| Max profit split | 100% | 90% | Fintokei |
| Payouts | Bi-weekly (14-day cycle), instant processing | On demand | Tie |
| Track record | Established 2023 | Established 2015 | FTMO |
| Trader rating | New — no ratings yet | New — no ratings yet | Tie |
| Headquarters | 🇨🇿 Czech Republic | 🇨🇿 Czech Republic | Tie |
| Overall score | 80 | 81 | FTMO |
Both firms are scored from our ongoing research — the score dials above update as new data and trader input land. Read the full breakdowns on the Fintokei review and the FTMO review.
Fintokei — strengths & weaknesses
Pros
- Backed by Purple Holding / Purple Trading, a broker group operating since 2011 — real LP-sourced quotes
- Industry-first instant payouts, advertised as fast as 2.8 seconds; bi-weekly 14-day cycle
- Four programs across 1-, 2- and 3-step models, entries from $44
- Up to 100% profit split on SwiftTrader; ProTrader scales to $400K
- No time limit on the flagship ProTrader; MT5, cTrader and TradingView supported
Cons
- Simulated-account model and explicitly unregulated (no regulated investment service provided)
- Narrow instruments — FX and CFDs on metals, energies and indices only; no crypto, no stocks
- Recurring complaints about discretionary 'internal risk management' and account reviews
- Scaling program retired in January 2026 and replaced mid-cycle — current progression terms are in flux
FTMO — strengths & weaknesses
Pros
- Ten-year payout record, now backed by ownership of the OANDA brokerage group
- On-demand payouts averaging ~8 hours to process, with the challenge fee refunded at first payout
- New 1-Step Challenge pays 90% from the first payout; 2-step rules unchanged and time-unlimited
- Stable, transparent rules that are never applied retroactively — plus the excellent MetriX dashboard
Cons
- Pricing above newer discount-driven rivals
- Standard funded accounts restrict news trading (2-minute window) and weekend holding — you must pick Swing to avoid both
- No futures product, no TradingView or DXtrade; crypto is a handful of CFDs
80
VS81
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