Updated: September 7, 2026
On this page
- Quick take
- What “payouts” mean in FTMO US
- 1-Step vs 2-Step: how payouts differ
- Comparison table: 1-Step vs 2-Step payouts
- Timeline: when you can request a reward
- Profit split: 80% to 90%, by challenge type
- Fees, refund, and transfer costs
- Payout method: Revolut bank wire
- Eligibility and required documents
- Payout flow: from claim to funds
- Examples: what your reward could look like
- Limits and common blockers
- Best practices to time your withdrawal
- Quick FAQs
- Official resources
Quick take
After you pass an FTMO US evaluation, either the single-phase FTMO Challenge: 1-Step or the two-phase FTMO Challenge: 2-Step (Challenge plus Verification), you trade a simulated FTMO Rewards Account. You can request a monetary reward after a minimum of 14 days from your first trading day, provided the account is in profit and has no open or pending orders. The 1-Step path pays 90% of simulated profits from your first reward, with no fee refund. The 2-Step path starts at 80%, can scale toward 90% under the Scaling Plan or Premium Program, and refunds your one-time Challenge fee with your first reward.
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 and sign the Signal Provider Agreement. It is not a withdrawal from a brokerage account. It is a payment tied to your performance in a simulated trading environment, subject to program rules and the agreements you accept when you join. For a deeper look at the tax side of these rewards, see our guide on FTMO US taxes, W-9 filing, and payout timing.
1-Step vs 2-Step: How Payouts Differ
FTMO US now runs two evaluation products side by side, and which one you pick changes your payout math from day one.
Single-phase evaluation
- One evaluation phase, no separate Verification step
- 90% reward share from your very first payout
- Entry fee is not refunded after passing
- Identity Verification (KYC/KYB) completes after you pass, before you get Rewards Account access
Challenge, then Verification
- Two phases: FTMO Challenge, then Verification
- 80% baseline reward share, scaling toward 90%
- Entry fee may be refunded with your first reward
- Long-running FTMO structure, familiar to traders coming from FTMO Global
Depends on your priority
- Want the highest split immediately and don’t mind losing the fee: 1-Step
- Want a lower entry split but a refunded fee and a scaling path: 2-Step
- Both share the same 14-day minimum wait and Revolut bank wire payout
Comparison Table: 1-Step vs 2-Step Payouts
| Payout factor | FTMO Challenge: 1-Step | FTMO Challenge: 2-Step |
|---|---|---|
| Starting profit split | 90% from first reward | 80% baseline |
| Path to a higher split | Already at 90% — no scaling needed | Up to 90% via Scaling Plan or Premium Program |
| Challenge fee refund | Not refunded | Refunded in full with first reward |
| Earliest reward request | 14 days from first trade | 14 days from first trade |
| Minimum closed profit | $20 (covers Revolut wire cost) | $20 (covers Revolut wire cost) |
| Payout method | Revolut bank wire | Revolut bank wire |
| Review time | 1–2 business days | 1–2 business days |
| Best for | Traders who want the higher split immediately | Traders who want the fee back and a scaling roadmap |
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. For example, if you start trading on April 1, the button becomes available on April 15.
- Cycle length: some FTMO materials reference a following window of roughly two to eight weeks for a full cycle, but the counter inside your Account MetriX dashboard is always the source of truth for your specific account, since cycle length has shifted as the US product evolved.
- 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% To 90%, By Challenge Type
In FTMO US, your reward share depends on which Challenge you passed. On the 2-Step path, the base reward share is 80% of your simulated profits, with a route to up to 90% once you qualify under the Scaling Plan or Premium Program. On the 1-Step path, you start at 90% of simulated profits right away, in exchange for a non-refundable entry fee.
Fees, Refund, And Transfer Costs
- One-time evaluation fee: You pay once for the Challenge; there are no recurring FTMO program fees. On the 2-Step path, FTMO refunds this fee in full after you pass both stages and process your first reward. On the 1-Step path, the fee is not refunded.
- Payout fees: FTMO states it does not add its own commission on reward withdrawals. Because rewards are paid by Revolut bank wire, FTMO requires a minimum of $20 in closed profit to cover the transfer cost before a reward can be paid out.
- FTMO Points alternative: instead of cashing out, you can convert a reward into FTMO Points, currently valued at roughly $1.15 per point, and apply them toward your next Challenge purchase. Points carry an expiry date shown at the time of conversion.
- Taxes: For U.S. participants, FTMO requires an IRS Form W-9 as part of your first reward. Rewards may count as taxable income. Speak to a tax professional about reporting and estimated taxes.
Payout Method: Revolut Bank Wire
For the U.S. configuration, FTMO pays rewards via Revolut bank wire, processed after invoice confirmation, with instructions typically emailed within 1–2 business days of clicking Claim Reward. This differs from FTMO Global, where non-U.S. traders can also see options like Visa Direct, Mastercard Send, Skrill, and crypto. Those alternate methods are not part of the FTMO US configuration, so always follow the payout option shown inside your own Account MetriX rather than assuming a global FTMO page applies to you.
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.
- Identity Verification (KYC/KYB): completed after you pass your Challenge and before your FTMO Rewards Account is activated.
- 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.
Payout Flow: From Claim To Funds
Here’s the full reward request flow from eligibility to funds landing in your bank account:
Day 14 eligibility
Account MetriX confirms the 14-day counter has cleared and the account is in profit.
Flatten exposure
Close all open positions and cancel pending orders so the request will be accepted.
Claim Reward
Click the Claim Reward button once it appears on your dashboard.
Documents
Submit IRS Form W-9 and proof of U.S. bank ownership (first reward only).
Review
FTMO reviews the request and emails next steps, typically in 1–2 business days.
Revolut wire
Confirm the invoice and receive funds by Revolut bank wire to your U.S. account.
Examples: What Your Reward Could Look Like
1-Step, 90% from day one
- $5,000 profit earns a reward of $4,500.
- $10,000 profit earns a reward of $9,000.
No fee refund applies on this path.
2-Step, 80% baseline
- $5,000 profit earns a reward of $4,000.
- $10,000 profit earns a reward of $8,000.
Your Challenge fee is refunded in full with this first reward.
2-Step, scaled or premium to 90%
- $5,000 profit earns a reward of $4,500.
- $10,000 profit earns a reward of $9,000.
Access to 90% depends on meeting Scaling Plan or Premium Program criteria. Check current requirements before planning around this rate.
All examples exclude the $20 minimum profit requirement for covering the bank wire transfer, which is easily met on any of the amounts above.
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.
- Under $20 in closed profit: Rewards below this threshold cannot cover the Revolut transfer cost and will not process.
- 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.
- Choosing 1-Step and expecting a fee refund: Only the 2-Step product refunds the entry fee. This trips up traders who assume the rule is the same across both.
- Mixing up products: FTMO’s new Futures Beta (launched September 2026) has its own evaluation and payout rules — it is a different product from the FTMO US CFD program covered on this page.
Best Practices To Time Your Withdrawal
- Match your Challenge choice to your goal: if the refundable fee matters more to you than the extra 10% split, 2-Step is the better fit, and vice versa.
- Use the cycle: If your edge is performing well, consider compounding early profits and requesting later in your eligible 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 Revolut transfer advice for your accountant.
Quick FAQs
Is FTMO US still a partnership with OANDA?
FTMO completed its acquisition of OANDA Global Corporation in December 2025. Day to day, the FTMO US program structure is unchanged: JV Prop Corporation runs the Evaluation Process, and OANDA Prop US Corporation runs the FTMO Rewards Account, with no financial regulator overseeing either service.
What is the difference between 1-Step and 2-Step for payouts?
1-Step pays 90% of simulated profits from your first reward but does not refund the entry fee. 2-Step starts at 80%, can scale toward 90%, and refunds the entry fee with your first reward.
What is the profit split in the U.S.?
80% baseline on the 2-Step path, with a route to up to 90% under Scaling Plan or Premium Program criteria. The 1-Step path starts at 90% immediately.
Do I need a minimum profit?
No set minimum, beyond the $20 in closed profit needed to cover the Revolut bank wire transfer cost. The account must also be in profit with 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 by Revolut bank wire after invoice confirmation.
Do I get my Challenge fee back?
Only on the 2-Step path. FTMO refunds 100% of your initial fee with your first reward withdrawal after passing that evaluation. The 1-Step fee is not refundable.
Is FTMO Futures the same as FTMO US?
No. FTMO Futures is a separate Beta program launched in September 2026, traded through NinjaTrader and Tradovate with its own Growth and Pro evaluation tracks. FTMO US refers to the CFD-based 1-Step and 2-Step Challenge program covered in this guide, run through OANDA.
Official Resources
- FTMO US: How do I withdraw my reward?
- FTMO US: 1-Step vs 2-Step Challenge, explained
- FTMO US: Is the entry fee refunded on the 1-Step Challenge?
- FTMO US: How it works
- FTMO US: Who can join FTMO US
- Press release: FTMO completes acquisition of OANDA from CVC
- FTMO Global: Fees are not recurrent + fee refund policy
- The Payout Report: FTMO US taxes, W-9 & payout timing guide
