TFC against FTMO, the long version.
Most traders land here comparing the two. Here is the whole record, printed: where we win, where FTMO wins, and what it costs to find out. If FTMO’s wire transfers and pricing already work for you, stay. If you’re tired of waiting a week to be paid, read on.
- Entry
- $39 / ~$89
- Payout
- <24h / 1-2 days
- Split
- to 90% / to 90%
- Mobile money
- Yes / None
- Eval window
- 60 days / 30 days
TFC Funder Ltd · UK Reg. 17173699 · on the Companies House public register · newer than FTMO, and built for the markets they treat as an afterthought
The arithmetic
What the same account costs twice.
I currently pay FTMO for a account.
FTMO
$540
TFC Funder
$399
Same $100K account, $141 less per attempt: 26% cheaper before the SWITCH10 code even applies. And the $39 entry tier ($5K)? FTMO doesn’t sell one.
Switch & save another 10% · SWITCH10The ledger
Six rows that decide it, on the record.
Entry price, payout speed, payout rails, split, trading days, drawdown. The last row goes to FTMO; we print it anyway.
The full record · 16 rows
Where TFC wins
Speed, price, and rails.
01
Paid where you live, in under 24 hours
EcoCash, M-Pesa, MTN MoMo, Airtel, or USDT straight to your wallet, most payouts clear inside a day. FTMO pays by wire: fine for Europe, painful everywhere banking is slow.
02
Cheaper entry at every size
Our 2-Step starts at $39 for a $5K account, a tier FTMO doesn't sell. At $10K it's $79 against ~$89, and the gap widens at $25K, $50K, $100K, and $200K.
03
No minimum trading days on 1-Step
Hit the target and pass. FTMO requires 4 trading days minimum even if you're done sooner.
04
Twice the evaluation window
60 days against FTMO's 30. More time means less pressure, and less pressure means fewer forced trades.
05
Built for the markets others skip
Mobile-money checkout and payouts, local rails, support that answers on WhatsApp in minutes. TFC is built for the traders most prop firms treat as an afterthought.
Something FTMO can’t offer
TFC will be hosting in-person bootcamps and masterclasses across Africa: live sessions, real skill-building, traders working through challenges shoulder to shoulder. Members only; pass a challenge, get the invite. FTMO operates remote-only, with no physical presence in Africa.
Where FTMO is stronger
Five things FTMO does better.
Printed in the same type as our wins. If these are your deciding factors, FTMO is the right choice and we’d rather you make it informed.
01
A decade of operation
FTMO has run prop challenges since 2015 and has paid out hundreds of millions of dollars worldwide. TFC launched in 2026, a fraction of that operational history.
02
Published payout archive
FTMO publishes monthly payout reports with names, amounts, and countries. If a public ten-year track record is your deciding factor, FTMO has one. Ours starts now.
03
Wider 1-Step drawdowns
FTMO allows 5% daily on 1-Step against our 3%. If you specifically want the wider 1-Step buffer, FTMO is the right call. Our 2-Step has identical drawdowns and costs less at every size.
04
Global brand recognition
FTMO is the most-recognized prop firm on earth: trading press, broker partnerships, the default reference point in every retail prop discussion.
05
More platforms
FTMO supports MT4, MT5, cTrader, and DXTrade. TFC runs on TradeLocker only. If your whole setup lives in MetaTrader, FTMO fits it today.
The verdict
An honest recommendation.
Pick TFC if
- You trade from Africa, the Middle East, South Asia, or anywhere wires are slow or expensive
- You want payouts on EcoCash, M-Pesa, MTN MoMo, Airtel, or USDT, settled in under 24 hours
- You’re price-sensitive: cheaper at every tier, from $39
- You want to pay with mobile money or crypto, not just card
- You want support that answers on WhatsApp in minutes
Pick FTMO if
- You’re in Europe on SEPA wires; you won’t feel the payout delta
- You want the wider 1-Step daily drawdown (5% against our 3%)
- A public ten-year payout archive matters more to you than price or speed
- Your setup lives in MT4, MT5, or cTrader and you don’t want to move it
Coming from FTMO?
The switch takes five minutes.
No migration paperwork. Your FTMO strategy works here the same way; the rules are nearly identical. Four commitments, written into how we operate:
01
Same rules, lower price
If you've already passed FTMO's rules, ours are familiar. Only the price is different.
02
Support in minutes, not days
No ticketing system. The team reads every WhatsApp message and replies in minutes.
03
Fee refunded on payout #1
Same guarantee as FTMO: pass, get paid, and your challenge fee comes back.
04
10% off your first switch
Code SWITCH10 at checkout, stacked on top of our already-lower base pricing.
How it works
01
Pick your challenge
Same size, same phase (1-Step or 2-Step) as your FTMO account. Our 2-Step rules mirror FTMO's almost exactly.
02
Apply SWITCH10 at checkout
10% off on top of the lower base price. Pay by mobile money, card, or crypto, whatever works where you are.
03
TradeLocker credentials in minutes
Web, mobile, or desktop, nothing to install. Manual trading only, the same rule as FTMO's challenge.
Common questions
Asked and answered.
Is TFC Funder cheaper than FTMO?
Yes. TFC's 2-Step starts at $39 for a $5K account, a tier FTMO doesn't sell, and $79 at $10K against FTMO's ~$89. At larger sizes TFC is typically 15-30% cheaper.
How long do TFC payouts take vs FTMO?
TFC processes payouts in under 24 hours, to mobile money or crypto. FTMO takes 1-2 business days by wire, plus 3-5 days of banking settlement on the receiving end. For traders in emerging markets the gap is even larger.
Does TFC pay to mobile money?
Yes: EcoCash, M-Pesa, MTN MoMo, and Airtel Money, plus USDT, BTC, and ETH anywhere on earth. FTMO pays by wire or regional processors only, with no mobile money and no crypto.
What's the profit split at TFC vs FTMO?
TFC offers up to 90%. FTMO starts at 80% and reaches 90% after scaling. Both get to 90%; TFC gets there faster.
Which firm has easier rules?
Comparable. Both run 1-Step and 2-Step evaluations with similar targets and drawdowns. The differences: TFC has no minimum trading days on 1-Step (FTMO requires 4) and gives 60 days instead of 30; FTMO gives a wider 1-Step daily drawdown (5% vs 3%).
The safety net stays on
Fee refunded on your first payout.
Same guarantee as FTMO: pass, earn a payout, and the challenge fee comes back. So the real question is price and payout speed. On both, the ledger above speaks for itself.
TFC Funder Ltd · London · UK Reg. 17173699