Funded Trading Plus (often written FT+ or fundedtradingplus) is a UK-based CFD prop firm that sells evaluations for simulated accounts from $5,000 to $200,000 and pays a share of simulated profits to traders who pass. The most useful thing to understand before buying is that its programs differ in more than price. The 1-Step Express, 2-Step Classic, Instant Funding and Activation Accounts each use a different drawdown model, leverage table, consistency setup and payout schedule. A trader who fits one program can fail another for reasons unrelated to skill.
Who operates Funded Trading Plus
The firm is based in the United Kingdom and is led by CEO Simon Massey. Trading runs on MetaTrader 5 and Match-Trader, with EightCap named as broker partner. All trading is simulated: a “funded” account here is a simulated account whose results determine payouts, not a live brokerage account holding your money.
The firm reports more than $19.5 million paid to traders since 2021, across more than 180 countries. The figure is self-reported and has not been independently verified. Payout methods are Rise and crypto.
Only the account owner may trade, buy and manage an FT+ account. Account sharing, third-party management and paying with someone else’s payment method are prohibited and can cause KYC problems at payout. Traders in Russia-occupied areas of Ukraine, including Kherson, Crimea, Donetsk and Luhansk, are on the restricted list. Pakistan was recently added as a supported country on the same terms as other regions.
Programs, targets and costs
1-Step Express
The 1-Step Express is a single evaluation phase. The $100K version has a 10% profit target, a 4% daily loss limit and a 6% trailing maximum loss, with no time limit, no minimum trading days and, per the firm’s promotional terms, no consistency rule. Its list price is $549 as a one-time fee, shown at $439.20 with the discount on display when we checked. Account sizes for this program run from $10,000 to $200,000.
The ratio between target and drawdown matters here. Needing 10% while only being allowed to lose 6% on a trailing basis means the account has less room than the target suggests. A run that reaches +5% and then gives back 6% from that peak would breach, even though the account would still be below its starting balance by only about 1%.
2-Step Classic
The 2-Step Classic spreads the target across two phases, with 8% in Phase 1 and 5% in Phase 2. Maximum total drawdown across the firm’s programs ranges from 6% to 10%.
The 2-Step Classic carries a rule the other programs do not: a 3% per-symbol loss limit, enforced as a hard breach. No single instrument may lose more than 3% in simulated equity, measured against the prior day’s balance. Several open trades on the same instrument count as one position for this test.
Hypothetical example: on a $100K 2-Step account that closed yesterday at $101,000, the per-symbol cap today is $3,030 (3% of $101,000). If you hold three EUR/USD trades that are down $1,200, $1,000 and $900 in floating equity, the combined $3,100 exceeds the cap and the account breaches, even if your overall daily loss is well within limits. Because the test uses equity, unrealized losses count before you close anything.
Instant Funding
Instant Funding skips the evaluation and starts you on a funded simulated account. Its key operational restriction: all trades must be closed by 4:30 pm EST on Friday, or the system closes them automatically. Weekend holding, which is allowed on the other programs, is not available here. Leverage is also lower than on the 1-Step for most asset classes.
Activation Accounts
Activation Accounts work on a pass-now, pay-later structure. They cost $4 to start at every size, and a second activation fee is due only if you pass and move to the funded stage:
- $25K: $4 to start, $179 on pass
- $50K: $4 to start, $299 on pass
- $100K: $4 to start, $489 on pass
If you fail, the $4 is the whole cost. The firm states this is not credit: there is no lender, no interest and no repayment schedule, just two separate service fees.
The evaluation is one phase with a 2% profit target, 4% daily loss, 6% static maximum drawdown and 1:30 leverage. There is no time limit, no minimum trading days and no consistency rule during evaluation.
The funded stage is stricter. There is no profit target, but the daily loss tightens to 3% and the 6% maximum drawdown becomes trailing until it locks at the starting balance. Before a payout request, you need at least 10 trading days, 3% simulated profit, and no single day accounting for more than 25% of total profit.
The low entry fee shifts the cost to the moment you pass. At $100K, $493 in total fees is not far below the 1-Step’s $549 list price, so the saving comes mainly from not paying the larger fee on failed attempts.
Leverage by program and asset class
Leverage differs by program, which changes position sizing and margin use:
| Asset | Instant | 1-Step | 2-Step |
|---|---|---|---|
| FX | 1:30 | 1:30 | 1:50 |
| Metals | 1:20 | 1:30 | 1:20 |
| Indices | 1:20 | 1:30 | 1:20 |
| Energy | 1:5 | 1:30 | 1:5 |
| Crypto | 1:2 | 1:30 | 1:2 |
The 1-Step applies 1:30 across all listed classes. The 2-Step has the highest FX leverage but much lower energy and crypto leverage. On Instant Funding, crypto at 1:2 requires half a position’s notional value in margin, which limits crypto exposure.
How the trailing drawdown and lock work
Instant Funding, 1-Step Express and funded Activation accounts use a trailing maximum drawdown that follows the highest balance reached and stops trailing once it reaches the initial account balance. From that point the floor stays at the starting balance permanently.
Hypothetical example, using a $100K account with a 6% trailing limit:
- At the start, the floor is $94,000.
- If the balance peaks at $103,000, the floor rises to $97,000.
- If the balance peaks at $106,000, the floor reaches $100,000 and locks there.
- Further gains to $110,000 do not move the floor; it remains $100,000.
Withdrawals do not lower the high-water mark. If your balance peaked at $104,000 (floor $98,000) and you withdraw $3,000, the balance drops to $101,000 but the floor stays at $98,000. Your buffer shrinks from $6,000 to $3,000, so withdrawing before the lock leaves less room against the drawdown.
Trading rules
News trading. Allowed at all times, including high-impact releases, but “boom or bust” trades that risk all or most of the balance on one release are prohibited. The restriction is on position size, not timing.
Minimum trading days. None on Instant Funding, 1-Step Express or 2-Step Classic. Activation Accounts require 10 trading days at the funded stage.
Consistency. Activation’s funded stage applies the 25% best-day cap described above, checked at payout only. The firm’s rules also set a cap of 35% of total net profit during evaluation and 50% at funded payout, based on closed positions only, without naming the program it covers.
Terms to confirm before buying. Three conditions are unclear. The 2-Step Classic targets of 8% in Phase 1 and 5% in Phase 2 conflict with a firm announcement describing the program as having “7% targets.” The 35% and 50% consistency cap is not tied to a named program, and neither is the third payout structure below. Check the checkout page and current rules for the program and size you choose before relying on a single large day or a payout schedule.
EAs and bots. Expert advisors, algorithms and bots are permitted if they follow program rules. Arbitrage, grid trading, tick scalping and high-frequency trading are banned. EAs may not be used for group copy trading or hedging across accounts, and FT+ does not support third-party EAs.
Copy trading. You may copy between your own accounts, including personal accounts and other prop firms’ accounts. Copying another trader, or letting others copy you, is prohibited and can lead to profits being voided. Trades do not need identical open and close times to be flagged: overlapping trades in the same market and direction across different traders’ accounts can trigger a review. Through a partnership with Prop Firm One, traders can copy their own trades across accounts at different prop firms from one platform.
Inactivity. Evaluation and funded accounts expire only if there is no trading activity for 30 days.
Prohibited practices. Beyond the news, EA and copy-trading limits above, the firm’s terms ban excessive risk on a single trade or cumulatively, over-leveraging, one-sided bets, trading contrary to real market practice, and exploiting price feeds or the simulated environment.
Risk reviews. FT+ runs risk reviews when you pass an evaluation, request scaling or ask for a withdrawal. Reviews focus on margin utilization, and set thresholds trigger a manual check by the risk team. A trader who passes with very high margin use may face a review at exactly the point they expect to be paid.
Payouts and scaling
There are three payout structures:
- 1-Step Express (funded): 80% split, or 90% with an add-on. First payout on demand, later payouts every 7 days, or every 3 days with an add-on. Minimum payout $50.
- Activation Accounts (funded): 80% split, every 10 trading days, minimum threshold of 3% of the initial balance, minimum amount $50.
- A third structure, not tied to a named program: 80% split, or 85% with an add-on, every 10 calendar days, with a minimum payout of 1% of the initial balance.
On the 1-Step, the 80% split means a $4,000 simulated profit yields $3,200 to the trader before any add-on. With the 90% add-on it would be $3,600, so the add-on’s price should be weighed against the profit you realistically expect to withdraw.
Instant Funding, 1-Step Express and 2-Step Classic each have their own scaling plan, growing accounts up to $2.5 million. For Instant Funding and 1-Step Express, the ceiling rises to $5 million if you buy the scale-up add-on at checkout. Activation Accounts have no scaling plan.
Strengths and trade-offs
Strengths supported by the rules:
- Four structures, including a one-phase challenge, an instant account and a low-entry Activation model.
- No minimum trading days on three programs and no time limit on the 1-Step.
- News trading and weekend holding on most programs.
- An on-demand first payout on the 1-Step.
- Copy trading between your own accounts, including at other firms.
Trade-offs:
- A 6% trailing limit against the 1-Step’s 10% target leaves a narrow buffer until the lock.
- The base split is 80%; higher splits cost extra.
- The 2-Step’s 3% per-symbol hard breach punishes concentration in one instrument.
- Instant Funding forces flat weekends and uses low energy and crypto leverage.
- Funded Activation accounts tighten the daily loss and add a consistency check.
- Margin-based risk reviews at payout add a discretionary step.
How we checked Funded Trading Plus
We visited fundedtradingplus.com on 13 November 2026, connecting from Tallinn, Estonia. The home page opened normally. Its footer names two companies. Acello Ltd is described as incorporated in England and Wales with company number 12696083, at 30 Old Bailey, London, EC4M 7AU. IF Pro Ltd is described as incorporated in Saint Lucia with company registration number 2025-00056. We saw no risk warning on the page. Several pages would not open for us from Estonia: About Us, Terms & Conditions, and the separate Instant Funding, one-step and two-step challenge pages were all blocked. For the detail we fell back on the home page and the help center.
On the home page we clicked “Instant Funding” to expand the plan details. The $100k 1-Step Express showed a total fee of $549.00 USD, with $439.20 USD beside it, which we take to be the current discounted price. The listed rules were a 10% simulated profit target, a 4% maximum daily loss (balance based), a 6% trailing maximum loss, 1:30 leverage and an 80% reward split, with rewards “Day 0, then every 7 days”. The help center’s drawdown information and payout pages loaded without trouble. One wrinkle. A help article on daily drawdown works through an example at 3%, so it probably describes a different program. We never reached a checkout page and cannot say whether an account is needed before paying.
At Companies House, the UK company register, we searched 12696083 on 13 November 2026. The record returned ACELLO LTD, a Private limited Company, status Active, incorporated 24 June 2020, at the same Old Bailey address the footer gives. IF Pro Ltd we did not look up in any Saint Lucia register.
When we read Trustpilot on 13 November 2026, the company had 4/5 from 2,671 reviews, with 89% five-star and 4% one-star, and it had replied to all 8 of the newest. The Wayback Machine’s first capture of the domain is dated 2021-04-13. The site’s figure of $19.5M+ in trader rewards is the firm’s own claim, and with the terms page blocked we could not confirm how the rules read in full.
Who it may suit
The 1-Step Express fits a trader who wants a single phase with no deadline and can keep drawdown tight relative to the target. The 2-Step Classic fits someone who spreads risk across instruments and wants higher FX leverage. Instant Funding suits intraday traders who never hold over the weekend. Activation Accounts suit traders who expect several failed attempts and can work within the stricter funded-stage limits.
Traders who rely on large single-day wins, grid systems or high-frequency strategies are poorly matched to the rule set.
Alternatives
| Provider | Score | Fee | Split | Payouts | |
|---|---|---|---|---|---|
| 5.0/10 | — | — | — | Review | |
| 7.2/10 | $290 | 80% | 30/10 days | Review | |
| 7.1/10 | $245 | 80%/95% (Add-On) | 14 Days | Review |