Build clean allocation: 2×$200k → $400k → Prime → Supreme
Exact merge rules, eligibility checklists, and what changes at each tier—U.S. specifics only.
Start the FTMO US ChallengeUpdated: August 27, 2025 · U.S. program
Quick take: Standard cap per trader/strategy builds efficiently to $400k simulated funds via two $200k FTMO Rewards Accounts and a merge. From there, Prime increases the ceiling to $600k and 90% reward size; sustained performance unlocks Supreme with a $1,000,000 ceiling and No Maximum Daily Loss. FTMO cites 3M+ customers and $400M+ paid in rewards across its ecosystem with a 4.8 Trustpilot display (site stats, not financial advice).
Merge rules (U.S.) — what’s allowed and what isn’t
| Scenario | Allowed? | What FTMO requires | Why it matters |
|---|---|---|---|
| Merge 2×$200k Rewards → $400k | Yes | Both accounts ≥ initial balance, not in drawdown, no reward due at merge time | This is the canonical path to a $400k master account |
| Merge 4×$100k → $400k for Supreme | No | Supreme specifically requires 2×$200k merged or a single $400k purchased in Prime | Avoids wasted effort on ineligible combinations |
| Combine multiple Rewards into one master | By request | Accounts at/above initial balance; no drawdown; no reward currently due | Consolidation simplifies risk and reward logistics |
Prime status — the mid-tier that changes your economics
How to qualify for Prime
- No failed FTMO Rewards Account in the last 4 months.
- 4 reward cycles (same order), each with at least 4% profit from initial balance (not required to be consecutive).
Prime benefits (U.S.)
| Benefit | What you get | Why it helps |
|---|---|---|
| Higher ceiling | $600k max allocation | Room to scale without extra merges |
| Reward upgrade | 90% share | More net on the same strategy output |
| Free Challenge | 1× free FTMO Challenge (size = approved Rewards size) | Low-cost path to add allocation |
| $400k product unlocked | 10% discount applies | Direct route to 400k without two $200k runs |
| Ongoing discounts/bonus | 10% off new purchases; 5% rollover bonus* | Compounds savings; *withdrawable after 30 days |
Supreme status — what changes at the top
Eligibility snapshot
- No failed FTMO Rewards Account in the last 4 months.
- Active $400k Rewards Account (2×$200k merged or $400k purchased in Prime).
- 3 months in Prime + 3 additional rewards at ≥4% each (not necessarily consecutive).
Supreme benefits
| Benefit | What changes | Practical impact |
|---|---|---|
| Allocation ceiling | Up to $1,000,000 | Run larger size within rules |
| Risk framework | No Maximum Daily Loss | Smoother daily trade management |
| Reward timing | Immediate reward | Improved cash-flow cadence |
| Extras | Badges/certificates; possible Quantlane path (assessment required) | Credibility & career optionality |
Planning Supreme? Start with the end in mind: 2×$200k → merge to $400k, then complete the Prime tenure.
Open your first $200k Challenge.
Roadmap: from first pass to Supreme (U.S. only)
| Phase | Milestone | Focus | Output |
|---|---|---|---|
| 1 — First allocation | Pass $200k Challenge & Verification | Risk <1%/idea; 4+ trading days per stage | 1× $200k Rewards Account |
| 2 — Duplicate | Add a second $200k | Keep correlation in check; same rules | 2× $200k Rewards |
| 3 — Consolidate | Merge to $400k | Accounts ≥ initial; no drawdown; no reward due | 1× $400k master Rewards |
| 4 — Enter Prime | 4 rewards ≥4% (same order) | Bi-weekly/monthly claims when flat & in profit | $600k ceiling; 90% reward size |
| 5 — Go Supreme | 3 months in Prime + 3 rewards ≥4% | Consistency; protect equity into review windows | $1M ceiling; No MDL; immediate reward |
U.S.-specific perks that support the plan
- News & weekend holds allowed on the FTMO account type US—useful for event or swing strategies.
- First reward after 14 days from first trade (when flat & in profit; 1–2 business days processing after invoice confirmation).
- Scaling Plan can raise reward size to 90% and increment account balance by +25% per successful 4-month cycle (≥10% total net profit; ≥2 processed rewards; positive balance).
Ready to build cleanly toward Prime & Supreme?
Run two $200k routes, merge at the right time, and manage reward cycles deliberately.
Start the FTMO US ChallengeFAQs — quick clarifications
Can I use 4×$100k to apply for Supreme?
No. Supreme requires 2×$200k merged to $400k or a single $400k purchased in Prime. A 4×$100k path is not eligible for Supreme.
What are the merge conditions?
Accounts must be at/above initial balance, not in drawdown, and no reward may be due at the time of merging.
How long until I can request the first reward?
After a minimum of 14 days from your first trading day in the Rewards Account—when flat and in profit. Processing typically completes within 1–2 business days after invoice confirmation.
What statistics support FTMO’s scale?
FTMO displays 3M+ customers, $400M+ paid in rewards, and a 4.8 Trustpilot score on its site (as of Aug 27, 2025).
Official resources
- Supreme: eligibility & requirements
- Why 4×$100k merge isn’t eligible for Supreme
- Merging conditions & account rules
- Prime: benefits
- Scaling Plan: requirements & benefits
- How it Works (90% rewards & 100% fee refund)
- Reward timing (Day-14), processing & docs
- FTMO scale stats
Disclosure: FTMO US provides a simulated, educational environment. Performance in simulation does not guarantee live-market results. This article includes a partner affiliate link.