FTMO US Payouts Explained: Timeline, Fees, and Limits

Updated: August 27, 2025

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Quick take

After you pass the FTMO Challenge and Verification in the U.S. configuration, you trade a simulated FTMO Rewards Account. You can request a monetary reward after a minimum of 14 days from your first trading day, if the account is in profit and has no open or pending orders. The baseline share is 80% of simulated profits, with a pathway to 90% under scaling and premium criteria. Your one-time Challenge fee is refunded with your first reward withdrawal.

What “payouts” mean in FTMO US

Throughout FTMO materials you will see the term Reward. That is the FTMO US equivalent of a payout. It is a monetary reward you can request based on simulated profits in your FTMO Rewards Account after you pass the evaluation steps. It is not a withdrawal from a brokerage account. It is a payment tied to your performance in a simulated environment, subject to program rules and agreements.

Timeline: when you can request a reward

• Earliest request: after a minimum of 14 days from your first trading day on the FTMO Rewards Account, provided the account is in profit and you have no open or pending orders at the time of request. Your Client Area shows the remaining days and reveals the “Claim Reward” button when eligible.
• Window: FTMO communications reference a 14–60 day window from your first trade. Some U.S. pages state 15–60 days. Always follow the counter in your Account MetriX, since it reflects your exact eligibility for the current cycle.
• Review time: after you click “Claim Reward,” FTMO queues your account for review and emails next steps typically within 1–2 business days.

Profit split: 80% baseline, up to 90%

In FTMO US, the base reward share is 80% of your simulated profits. With consistent performance and qualification under the Scaling Plan or Premium Program, your split can rise to up to 90%. This mirrors FTMO’s long-running global policy where the 90% tier is tied to meeting specific growth and consistency thresholds.

Fees, refund, and transfer costs

• One-time evaluation fee: You pay once for the Challenge; there are no recurring FTMO program fees. After you pass both stages and process your first reward, FTMO refunds your Challenge fee in full.
• Payout fees: FTMO states it does not add extra commissions for reward withdrawals. Bank or payment networks may charge their own fees to receive funds.
• Taxes: For U.S. participants, FTMO requires an IRS W-9 for the first reward. Rewards may be taxable income. Speak to a tax professional about reporting and estimated taxes.

Methods and speed

For the U.S. configuration, FTMO notes bank wires as the channel for rewards, processed after invoice confirmation. The team typically emails instructions within 1–2 business days once you click “Claim Reward.” On non-U.S. FTMO pages, you will also see options like Visa Direct, Mastercard Send, Skrill, and crypto, but the U.S. configuration focuses on bank wires. Always follow the method shown in your account for your region.

Eligibility and required documents

• U.S. residency or U.S. company: You must be a legal U.S. resident, or a U.S.-incorporated entity with an authorized representative.
• U.S. TIN: A valid U.S. Tax Identification Number is required to receive a reward.
• Bank ownership proof: For the first reward, FTMO may ask for proof of ownership of the U.S. bank account receiving funds. The account name must match your FTMO profile or your company’s legal details.
• Account status: At the moment of request, your FTMO Rewards Account must be in profit with no open trades or pending orders.

How to request your reward step by step

1. Check eligibility: Open Account MetriX and confirm the 14-day counter has reached zero. Ensure your account shows a net profit.
2. Flatten exposure: Close all open positions and cancel pending orders. The system will not accept a request if anything remains open.
3. Click “Claim Reward”: The button becomes available once the day counter and profit conditions are met.
4. Submit documents: If it is your first reward, complete the IRS W-9 and provide any requested proof of bank account ownership.
5. Watch your inbox: FTMO emails instructions within 1–2 business days. Follow the steps to confirm the invoice and complete the transfer process.
6. Plan your next cycle: Decide whether to withdraw on the next window or compound further to build a larger buffer against drawdown.

Examples: what your reward could look like

Limits and common blockers

• Open or pending orders: Any open exposure blocks the “Claim Reward” button.
• Not enough days: The earliest request is after 14 days from your first trading day. Your dashboard shows the exact remaining days.
• Missing W-9 or bank proof: The first reward requires a completed W-9 and proof of U.S. bank account ownership that matches your FTMO profile or company details.
• Program rules: Risk limits and acceptable trading behavior still apply. Breaches can disqualify you from rewards.

Best practices to time your withdrawal

• Use the window: If your edge is performing well, consider compounding early profits and requesting later in the 14–60 day window.
• Avoid news spikes: If your strategy is sensitive to macro events, consider closing positions well before the request to avoid unwanted slippage or last-minute drawdown.
• Think about taxes: Rewards may be taxable income. Coordinate timing with your quarterly estimated taxes.
• Keep records: Save the invoice, payment confirmation, and bank advice for your accountant.

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Quick FAQs

Is there a monthly payout by default?

FTMO’s global materials reference monthly cycles with an option to request after 14 days. In the U.S. configuration, follow the counter in your Account MetriX and the 14–60 day guidance shown in the FTMO US FAQs.

What is the profit split in the U.S.?

Baseline 80% of simulated profits, with a path to up to 90% when you qualify under scaling or premium criteria.

Do I need a minimum profit?

No set minimum, apart from covering any transaction costs. The account must be in profit and have no open or pending orders at the time of request.

How long does processing take?

Once you request and the review begins, FTMO typically emails next steps within 1–2 business days. Transfers follow after invoice confirmation.

Do I get my Challenge fee back?

Yes. FTMO refunds 100% of your initial fee with your first reward withdrawal after passing the evaluation.

Official resources

• FTMO US: How do I withdraw my reward?
• FTMO US: How it works
• FTMO US: Who can join FTMO US
• FTMO Global: Fees are not recurrent + fee refund
• FTMO Global: Reward timing and processing details
• Press release: FTMO and OANDA partnership

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