FTMO US: Pricing, Scaling, and Premium Program Explained

FTMO US Pricing – how it actually works

For US residents, FTMO runs a two-step Evaluation – the FTMO Challenge then Verification – followed by the FTMO Rewards Account if you pass. The cost you pay up front is a one-time Challenge fee. There are no recurring platform or monthly charges, and the fee is refunded 100% with your first reward withdrawal after you become an FTMO Verified Prop Trader.

Rules that influence cost-benefit

Because risk rules determine your probability of passing, they indirectly determine your net cost. In the US Evaluation the key rules are Maximum Daily Loss 5% and Maximum Loss 10%; the Minimum Trading Days are 4 in each stage. Profit Target is higher in the Challenge and lower in Verification. See FTMO’s “How to pass” guide for the current definitions.

Rule	What it means for you
Max Daily Loss 5%	Hit this intraday (including floating P/L) and you fail that stage – plan daily risk well.
Max Loss 10%	The overall risk buffer across open and closed P/L.
Minimum 4 trading days	At least one new trade must be opened on each counted day.
Platform	US product is MT5 only, netting mode, FIFO – no hedging.

Scaling Plan – grow simulated balance and lift your reward split

Once you are trading a Rewards Account, FTMO’s Scaling Plan lets consistent traders increase their simulated balance and earn up to 90% of simulated profits as rewards. Reviews are processed on a bi-weekly basis, and FTMO highlights an average processing time measured in hours, not days, for reward requests. Typical eligibility requires a positive balance and meeting growth conditions over rolling months.

Scaling requirement	What to do	What you unlock
Consistency window	Trade for at least 4 months and process at least 2 reward withdrawals	Becomes eligible for a scale-up review
Performance threshold	Reach at least 10% total net profit over the window	Balance increase – typically +25% per step when criteria are met
Reward split boost	Meet Scaling Plan conditions and maintain discipline	Up to 90% of simulated profits as a real reward
Scale-up cap	Continue meeting criteria	Scale up to a simulated $2,000,000 cap over time

Reward withdrawals – timeline and paperwork

US traders can request a reward from day 15 after the first trade on the Rewards Account, up to day 60. Rewards are typically processed quickly after invoice confirmation and the account must be flat when you claim. First-time US reward recipients must submit IRS W-9 and verify a US bank account in their name.

Premium Program – Prime and Supreme, explained

Think of Premium as a performance tier on top of the base Scaling Plan. Hit the milestones and you unlock additional benefits – including a free Challenge, higher capital limits and other perks. Premium is tied to a specific order and can be lost if you fail accounts or breach the program terms.

How to qualify

What you get in Premium

Benefit	Prime	Supreme
Reward split on simulated profits	Up to 90%	Up to 90%
Free FTMO Challenge	1× free of the same size	Includes Prime benefits
Max capital allocation	Increased to $600k	Extended to $1,000,000 simulated funds
Discounts	10% on new purchases	Prime discounts apply
Rollover bonus	5% bonus on the next Rewards Account after 30 days	Prime bonuses apply
Operational perks	—	No Maximum Daily Loss, immediate reward processing, and industry exposure via Quantlane assessment

US-specific trading setup – what’s different

Key stats you can use right now

• 3M+ customers have engaged with FTMO globally, with $400M+ paid in rewards and a 4.8 Trustpilot score highlighted on the US pages.
• Rewards request window – from day 15 up to day 60 after first trade.
• Processing – FTMO shows typical reward processing measured in hours once invoices are confirmed.

Eligibility and the fine print for US traders

FTMO US is available only to adults who are US residents or US-incorporated entities, subject to KYC and tax documents. FTMO US and the Rewards Account are simulated-only environments – there is no client relationship with OANDA Corporation’s brokerage and no regulatory protections as a brokerage customer. Some US states are currently not supported for registration.

Eligibility pointer	Details
Residency	US residents and US-incorporated entities only for the US product
Tax & banking	W-9 required on first payout and proof of a US bank account in your name
Availability	Certain states are excluded – check the current FAQ before ordering
Regulatory note	US product is not a brokerage account – entirely simulated environment

Cost vs. value – when the numbers make sense

If you plan for 4 to 8 measured trading days per stage, risk 0.5% to 1% per setup, and keep daily loss far from 5%, the probability of passing rises. The one-time fee then becomes recoverable with the first payout – and the long-run upside starts once you qualify for Scaling and Premium. The US product’s MT5, FIFO, and no-hedging rule set keeps execution disciplined and straightforward.

Step into the US product today

• Read the How to pass guide – understand every rule before you start.
• Check the Simulated Assets list and trading hours.
• Bookmark the Trading Updates page for platform maintenance times.
• Explore Performance Coaching if you want mindset support while you scale.

Disclosure: This article includes a partner affiliate link. Trading performance in a simulated environment does not guarantee similar results in real markets.