FTMO US Payout Workflow (Day-14 to Bank): W-9, Bank Proof, Timelines & Troubleshooting

From Day-14 to your bank — no surprises

Exact steps, documents, timelines, fees, and fixes so your first reward hits smoothly.

Updated: August 27, 2025

Quick take: You can request your first reward after 14 days from your first trading day, directly inside Account MetriX — account must be flat (no open or pending orders) and in profit. For the first payout, submit IRS Form W-9 and proof of U.S. bank account ownership. Once the invoice is confirmed, withdrawals are usually processed in 1–2 business days via bank wire (Revolut-supported). Default split is 80%, rising to 90% with Scaling or Prime. Your first reward also refunds 100% of your Challenge fee. Minimum closed profit to enable a wire is $20.

Payout timeline at a glance

When	What you do	System check	Outcome
Day 0	Place your first trade in the Rewards Account	Account MetriX starts counting Day-14 window	“Claim Reward” availability date appears
Day 14+	Account is flat & in profit → click Claim Reward in MetriX	Checks: no open/pending orders; positive P/L	Queued for review; instructions emailed
Same day	Upload W-9 & bank ownership proof (first payout only)	Names must match your FTMO profile	Invoice issued for confirmation
T+0 to T+2 business days	Confirm invoice → FTMO processes withdrawal	Payment rail: bank wire (via Revolut)	Funds sent; fee refund included with first reward

Your first payout: documents & details

What FTMO needs

IRS Form W-9 with your SSN/EIN and matching legal name.
Proof of U.S. bank account ownership — a statement showing your name & account number (screenshots typically accepted if all details are visible).
Account flat at the time of request (no open/pending orders) and in positive profit.

Payment rail & timing

Rail: Bank wire (processed via Revolut).
Processing: Usually 1–2 business days after the invoice is confirmed.
Minimum: Closed profit of $20 to cover transfer fees.

Split levels & fee refund (know what to expect)

Condition	Split	Notes
Standard Rewards Account	80%	Default entitlement on simulated profit
Scaling Plan or Premium (Prime/Supreme)	90%	Unlocked after meeting program requirements
First reward	—	100% Challenge fee refunded along with your reward

Keep it or convert it: FTMO Points option

Prefer to grow your simulated balance instead of withdrawing? You can leave rewards on the account — or convert some/all of the reward to FTMO Points at a value of $1.15 per Point to discount or fully cover a new Challenge.

Pre-claim checklist (copy/paste)

MetriX shows “Claim Reward” available (Day-14 passed).
Account is flat (no open or pending orders).
W-9 ready; bank statement shows your name & account number.
Closed profit ≥ $20.
Invoice details double-checked before confirming.

Ready to trade toward your first payout and fee refund? Start the FTMO US Challenge.

Troubleshooting — fast fixes

Issue	Likely cause	Fix
“Claim Reward” button is greyed out	It’s not Day-14 yet, or you have open/pending orders	Wait until Day-14; flatten the account completely
Invoice not approved	Name mismatch or details incorrect	Match W-9, bank statement, and FTMO profile exactly
Payout delayed	Invoice not confirmed; banking review pending	Confirm invoice; reply to any review email
“Not eligible to receive Rewards” warning	W-9 missing or bank ownership not verified	Submit W-9 & bank proof; ensure legible docs
Wire can’t be initiated	Closed profit < $20 (transfer fee threshold)	Withdraw after next profitable cycle (≥ $20)

FAQ — payouts, fee refunds, and Points

When exactly can I request my first reward?

After 14 days from your first trading day in the Rewards Account. The “Claim Reward” button appears in Account MetriX when eligible.

Do I need to close all trades to request?

Yes. You must be in positive profit with no open positions or pending orders when you request.

What documents are required for the first payout?

Completed IRS Form W-9 and proof of U.S. bank account ownership (statement showing your name & account number).

How long do payouts take?

Typically 1–2 business days after you confirm the invoice.

What reward split do I get?

80% by default; 90% with Scaling Plan or Prime/Supreme status in the Premium Program.

Is there a minimum amount to withdraw?

No strict minimum profit to be entitled — but you need at least $20 in closed profit to cover bank transfer fees.

Can I convert my reward to FTMO Points?

Yes. You can choose FTMO Points (valued at $1.15 per Point) instead of, or in addition to, a cash reward to reduce the cost of your next Challenge.

Does my first reward include a fee refund?

Yes — your Challenge fee is refunded 100% with your first reward.

Why speed matters: get organized early

Use the Free Trial to practice the full request flow (MetriX, Journal, apps) before real rewards are on the line.
Keep a digital folder: W-9.pdf and bank-proof.pdf ready — saves a day when you’re queuing for review.
Plan your payout cycles around your strategy (e.g., monthly, bi-weekly) so invoices and wires line up with your cash-flow.

Ready to turn clean trades into clean payouts?

Pass the Evaluation, keep your account flat & in profit on Day-14, submit W-9 + bank proof, confirm the invoice — done.

Start the FTMO US Challenge

Official resources

Disclosure: FTMO US provides a simulated, educational environment. Performance in simulation does not guarantee real-market results. This article includes a partner affiliate link.