Funded Trading Plus Review 2026

What Makes Funded Trading Plus Different?

Most prop firms launched after 2020 share a recognisable template: a challenge format, a profit target, and a countdown timer. Pass or fail, move on. Funded Trading Plus (FT+) is built around a different set of priorities, and its history goes some way to explaining why.

The firm traces its origins to Trade Room Plus, an online trading community founded in 2013. When challenge-based prop funding emerged as the dominant retail model, the team behind Trade Room Plus built FT+ in 2021 on the back of nearly a decade of trader education experience. In an industry where firms regularly appear and disappear within months, that longer track record carries weight.

The most visible operational difference is the absence of time limits across all programs: on the 1-Step Experienced Trader Program, the 2-Step Classic, or any of the Prestige variants. For traders who have seen challenges expire just short of their target, this is a meaningful structural difference.

Profit split progression is another area where FT+ stands apart. The base rate for funded traders is 80%, which is competitive but unremarkable. What follows is less common: the split moves to 90% when cumulative simulated profit reaches 20%, and to 100% at 30%. According to the website, both upgrades are automatic.

FT+ also offers genuine instant funding through its Master Program. Rather than working through an evaluation, traders can access a funded account from day one. Account sizes start at $5,000 and reach $100,000. The cost is considerably higher than evaluation programs, but the absence of any challenge phase is a real option for experienced traders who prefer not to go through a prolonged assessment.

At checkout, traders can also choose from an optional add-on system:

• An accelerated profit split (starting at 85% or 90% from day one).
• Faster payout cycles of 5 or 3 days.
• A 15% account size boost.
• Expanded scaling up to $5 million.

The firm's community is one of the larger ones in the sector. According to the FT+ website, its Discord server has more than 50,000 members, covering active traders, payout confirmations, and strategy discussions. FT+ also received the International Business Magazine award for Most Trusted Trading Firm UK 2025.

Pros & Cons - Our Verdict

What Funded Trading Plus Does Well

• No time limits on any challenge
• Profit split reaches up to 100%
• Challenge fee refunded on passing
• Instant funding available from day one
• Active 50,000-member Discord community

Where Funded Trading Plus Falls Short

• Instant funding fees are very expensive
• $7 per lot commission on many instruments
• Consistency rule limits single-day profit
• Unregulated, registered in Saint Lucia
• EA source code may be requested

The Bottom Line

Funded Trading Plus is a strong option for intermediate to experienced traders who value flexibility over speed and want realistic access to a 100% profit split. The pricing is competitive for evaluation accounts, though instant funding costs are significantly higher than most alternatives. As an unregulated firm, the usual cautions apply when committing larger sums.

Account Options & Pricing Breakdown

Funded Trading Plus offers three distinct program types. Each targets a different trading profile and risk appetite, so understanding the full structure before selecting an account is worthwhile.

Program Overview

Experienced Trader Program (1-Step)

The 1-Step program is designed for traders who want a single-phase evaluation. According to the website, traders pass by hitting a 10% profit target while staying within the drawdown rules, with no time limit. The fee for a $10,000 account starts at $99 and rises to $999 for the $200,000 size. Challenge fees are fully refundable upon passing the evaluation.

Classic and Advanced Programs (2-Step)

The Classic and Advanced programs use a two-phase format, with a 7% profit target in each phase. Account sizes run from $10,000 to $100,000, with fees between $89 and $549. The main difference between Classic and Advanced lies in the consistency rule and daily drawdown structure. Traders should review the specific terms for their chosen variant on the FT+ website before committing.

Master Program (Instant Funding)

The Master Program provides access to a funded account from day one, with no evaluation phase. The trade-off is cost: a $5,000 instant funded account is priced at $249, and a $100,000 account at $4,499. These fees are substantially higher than evaluation programs for comparable account sizes. FT+ positions this option for experienced traders who have confidence in their consistency and want to generate payouts without first going through a challenge.

Add-ons and Upgrades

The checkout add-on system lets traders customise their package. Available add-ons include:

• Accelerated profit split (starting at 85% or 90% from day one rather than 80%)
• Faster payout cycle (upgrade to 5-day or 3-day schedule)
• Account size boost (15% increase on the selected account size)
• Enhanced scaling (expands maximum account size to $5 million from the standard $2.5 million)

Commissions and Fees

A $7 round-turn commission applies per lot on forex, metals, energy, and other commodity instruments. Indices and crypto carry no commission charge. There are no monthly subscription fees on any program. Reset fees are available if a trader breaches an account and wants to restart without purchasing a new challenge.

Challenge Structure & Trading Rules

The rules governing each program are among the most consequential details to review before committing. FT+ operates several distinct structures, and drawdown calculations vary meaningfully by program type.

Experienced Trader Program (1-Step) - Drawdown Rules

This program applies two drawdown limits:

• Daily drawdown: 4% daily equity drawdown. The daily limit resets at 16:59 EST. The limit is calculated from whichever is higher (account equity or balance) at the snapshot moment each day.
• Maximum drawdown: 6% relative balance-based drawdown, trailing from the high-water mark on closed balance. As your closed balance increases, the floor rises with it.

Classic and Advanced Programs (2-Step) - Drawdown Rules

• Daily drawdown: 4% daily equity drawdown, calculated using the same end-of-day snapshot methodology as the 1-Step program.
• Maximum drawdown: 8% relative balance-based drawdown, trailing from the high-water mark on closed balance. As closed balance grows, the floor rises.

Master Program (Instant Funding) - Drawdown Rules

• Daily drawdown: 6% daily equity drawdown: the most permissive daily limit across all FT+ programs, reflecting the higher cost of instant funding access.
• Maximum drawdown: 6% relative balance-based drawdown, trailing from the high-water mark. This is a trailing balance drawdown that rises with closed balance.

Profit Targets by Phase

General Trading Rules

• No time limit on any evaluation phase
• Consistency rule: no single trading day may account for more than 35% of total profits
• News trading: permitted on all programs except the Master (Instant Funding) Program
• Expert Advisors (EAs): permitted; FT+ may request the source code for compliance review
• Copy trading: prohibited between unrelated accounts
• Grid trading, arbitrage, and hedging: prohibited
• Weekend holding: permitted on most programs (verify per program on the FT+ website before trading)
• No minimum trading days on 1-Step, Classic, or Advanced programs (Prestige requires 3 minimum profitable days)

Trading Environment & Conditions

Funded Trading Plus operates a simulated trading environment. Traders execute on broker statements that reflect real market conditions, with daily statements provided to funded account holders.

Platforms

FT+ supports two trading platforms:

• MetaTrader 5 (MT5)
• MatchTrader

Both are available on mobile. Traders who want to assess the environment before committing can access a $100,000 demo account at 1:30 leverage, a practical option for anyone evaluating multiple firms before deciding where to place their challenge fee.

Instruments

The available instrument categories across FT+ programs are:

• Forex: Major, minor, and exotic currency pairs
• Indices: Major global equity indices
• Commodities - Metals: Gold, silver, and related metals
• Commodities - Energy: Oil and energy products
• Other Commodities: Additional commodity instruments
• Crypto: Cryptocurrency pairs (available on eligible programs)

Leverage

Maximum leverage is 1:30 across all programs. This aligns with the leverage limits that retail traders in regulated European markets would recognise, though FT+ itself is not regulated by any financial authority.

Commission Structure

FT+ charges a $7 round-turn commission per lot on forex, metals, energy, and other commodity instruments. Indices and crypto carry no per-trade commission. Traders running high-frequency or high-volume strategies on forex and metals should factor this cost carefully into their expected performance calculations, since it directly affects net simulated profit figures.

Execution Type

All trading at FT+ takes place in a CFD-based simulated environment. Traders receive daily broker statements confirming positions and P&L. The firm's website describes the environment as reflecting live market spreads and conditions.

Payouts, Profit Splits & Scaling

Profit Split Structure

Funded traders begin at an 80% profit split. According to the FT+ website, the split upgrades automatically as cumulative simulated profit milestones are reached:

• 80%: Base split from the start of funded status
• 90%: Unlocked after reaching 20% cumulative simulated profit
• 100%: Unlocked after reaching 30% cumulative simulated profit

Traders who purchase the accelerated split add-on at checkout can start at 85% or 90% from day one, bypassing the 80% base rate.

Payout Timing and Frequency

Payout availability varies by program:

• Experienced Trader (1-Step): first withdrawal available from day one of funded status
• Master Program (Instant Funding): first withdrawal available from day one
• Classic/Advanced (2-Step): first withdrawal after 10 calendar days, then every 10 days thereafter

Traders who purchase the payout cycle add-on can upgrade to a 5-day or 3-day cycle on eligible programs. The minimum withdrawal amount is $50 above the account's starting balance.

Withdrawal Methods and Processing

FT+ accepts deposits via Visa, Mastercard, bank transfer, and cryptocurrency. Payouts are processed via bank transfer and cryptocurrency. According to the website, crypto withdrawals can process as quickly as 24 hours, while bank transfers are subject to standard processing times that vary by bank and destination country.

Before each payout, FT+ carries out a risk review (an assessment of the overall trading strategy). Traders with consistent, rule-compliant records report smooth payout experiences. Those with borderline compliance or strategic concerns may encounter extended review periods.

Scaling Pathway

Standard scaling allows funded accounts to grow to $2.5 million in simulated capital, triggered at 10% profit milestones. Traders who purchase the enhanced scaling add-on can extend this ceiling to $5 million. The structure rewards consistent profitable trading rather than single large draws, which aligns with the 35% consistency rule outlined in the Challenge Structure section.

Trader Experience & Support

The trader experience at FT+ is one of the firm's more consistently praised attributes in user reviews, particularly around the payout process and community structure.

Dashboard and Account Management

The FT+ dashboard displays current drawdown levels, daily limit tracking, breach status, and profit progress. Funded traders can monitor proximity to drawdown limits and track progress toward profit split upgrades. The interface is available through all supported platforms rather than a proprietary web portal alone, giving traders flexibility in how they manage their accounts.

Support Channels

According to the FT+ website, support is available through:

• 24/7 live chat on the main website
• Email support
• Phone support
• Ticket system
• Discord community (50,000+ members)

The Discord server functions as both a support channel and a community space. It includes a payout proof channel where funded traders post withdrawal confirmations: a transparency feature that prospective traders frequently cite when assessing the firm's credibility.

Educational Resources

FT+ educational offering has expanded considerably in recent years. The firm now provides a dedicated Education Hub featuring platform tutorials, trading guides, FAQs, trading psychology content, onboarding resources, and interviews with funded traders.

While these resources offer useful supplementary material and help traders navigate both trading and FT+ products, the overall educational package remains relatively lightweight compared to firms offering structured courses, mentorship programs, or comprehensive trading academies. Traders seeking extensive education as part of their prop firm experience may still need additional external resources.

Reputation and User Feedback

FT+ holds a Trustpilot rating in the range of 4.4 to 4.7 out of 5, drawn from more than 2,600 reviews. Positive reviews frequently reference payout speed, platform availability, and support team quality. Where negative reviews appear, they tend to focus on account terminations following strategy reviews or drawdown disputes - a pattern broadly consistent with other firms operating at comparable scale in the prop sector.

Funded Trading Plus vs The Competition

Funded Trading Plus competes primarily with established mid-tier prop firms. The table below compares key metrics across four firms:

FT+ holds a clear advantage in profit split ceiling (100% vs 90% at FTMO and FundingPips) and platform variety. Its no-time-limit policy matches The5ers and is more permissive than FTMO and FundingPips. The instant funding option separates it from FTMO and FundingPips entirely.

The primary trade-off relative to competitors is the $7/lot commission on forex and commodities, which is absent from some rival structures. FTMO's longer operating history and widely recognised brand also carry weight for traders evaluating trust signals. Traders who want regulatory oversight will find that all four firms in this comparison are unregulated.

Conclusion

Funded Trading Plus is a well-established firm in the hybrid prop trading space, combining evaluation programs and instant funding under one roof. Its no-time-limit structure, 100% profit split ceiling, and active Discord community are genuine differentiators that experienced traders will find appealing.

The firm is best suited to intermediate and experienced traders who are confident in their strategy, comfortable with the $7/lot commission on core instruments, and want flexibility in how they access funded capital. Traders seeking lower instant funding costs may find The5ers' instant funding structure more accessible at the entry level. Those who prioritise regulatory oversight will need to look beyond FT+ and its closest competitors - all major prop firms in this segment currently operate without financial regulation.

All trading at FT+ is conducted in a simulated environment using virtual funds. Payouts represent rewards drawn from simulated performance, not returns from live capital. As with all unregulated prop firms, due diligence before committing capital is advisable.

Frequently Asked Questions

Is Funded Trading Plus a legitimate prop firm?

Funded Trading Plus is a registered business operating since 2021, built on Trade Room Plus, a trading community active since 2013. It holds a Trustpilot rating above 4.4 from over 2,600 reviews and is not regulated by a financial authority, consistent with most prop firms in the sector.

How long does a payout take at Funded Trading Plus?

Crypto withdrawals can process as quickly as 24 hours according to the FT+ website, while bank transfers vary by bank and country. The first payout on 1-Step and Instant Funding programs is available from day one; 2-Step accounts require a 10-calendar-day wait. A risk review is conducted before each payout.

How difficult is it to pass the Funded Trading Plus challenge?

The 2-Step Classic requires 7% in each phase; the 1-Step targets 10% in a single phase. There is no time limit on any evaluation, and the 35% consistency rule prevents any single day from accounting for more than 35% of total profits.

What platforms can you trade on with Funded Trading Plus?

FT+ supports MT5 and MatchTrader, available on mobile and desktop. A $100,000 demo account at 1:30 leverage is available for platform testing before committing.

Is Funded Trading Plus suitable for beginner traders?

FT+ targets intermediate to experienced traders and offers no structured educational content beyond blog posts and trader interviews. Beginners without a consistent, rule-compliant strategy are likely to find the challenge requirements and consistency rule difficult to meet.

What happens if I breach the drawdown limit?

A drawdown breach closes the account. Challenge accounts can be reset for a fee; funded accounts require a new evaluation or instant funding purchase. Drawdown type (equity vs balance, trailing vs static) varies by program - review the specific rules before trading.

Can I use an Expert Advisor (EA) with Funded Trading Plus?

Yes, EAs are permitted, though FT+ may request the source code for compliance review. EAs using prohibited strategies such as grid trading, arbitrage, or hedging will result in account termination regardless of profitability.