FTMO vs XPIPS: Head-to-Head Comparison (2026)
Verdict: Who Wins?
FTMO
5 wins
Decisive Win
Best For:
FTMO
FTMO
Visual Comparison
Head-to-Head Comparison
| FTMO | Metric | XPIPS |
|---|---|---|
| 8.3/10 | PFM Score | - |
| 4.8/5 (42,594) ★ | TrustPilot | 3/5 (286) |
| A+ ★ | Safety Grade | - |
| 79 B+ ★ | Trust Score | 37.3 F |
| Up to 90% | Profit Split | 85% (1-Step), 80% (2-Step), 65% (Instant Funding, upgradable to 80% via paid add-on); 100% from the 3rd scale-up ★ |
| Maximum Daily Loss Amount, which is 5% of the Initial Simulated Capital (2-Step) or 3% (1-Step) | Daily Drawdown | - |
| Bi-weekly (every 14 days) | Payout Frequency | 30 calendar days after your first trade |
| $79 | Starting Price | $49 ★ |
| Proprietary | Technology | White-Label |
| cTrader, MT5, MT4 | Platforms | MT5 |
| No | Direct Path to Funded | No |
| Czech Republic | Country | United Arab Emirates |
| Jan 2015 | Established | - |
| 10 options | Challenge Options | 11 options |
Price Comparison by Account Size
Cheapest challenge price at each account size (where both firms offer the same size)
| Account Size | FTMO | XPIPS | Savings |
|---|---|---|---|
| $10K | $79 ★ | $99 | Save $20 |
| $25K | $199 | $199 | Same price |
| $50K | $319 ★ | $349 | Save $30 |
| $100K | $439 ★ | $550 | Save $111 |
| $200K | $999 | $989 ★ | Save $10 |
FTMO vs XPIPS: Detailed Analysis
FTMO and XPIPS are both CFD firms.
Pricing
In terms of pricing, XPIPS is more affordable with challenges starting at $49, which is $30 less than FTMO's starting price of $79. FTMO offers 10 challenge options, while XPIPS offers 11.
Account Sizes
On account sizing, FTMO offers account sizes from $10 to $200 across 5 funding tiers, while XPIPS offers account sizes from $5 to $200 across 6 funding tiers. Picking the right tier matters because both the entry cost and the maximum capital you can scale to are tied to the account size you start with.
Trading Platforms
For trading platforms, FTMO supports cTrader, MT5 and MT4, while XPIPS runs on MT5. If you already trade on a specific platform, this can be the deciding factor between the two.
Profit Split & Payouts
FTMO offers Up to 90% profit split, while XPIPS offers 85% (1-Step), 80% (2-Step), 65% (Instant Funding, upgradable to 80% via paid add-on); 100% from the 3rd scale-up. FTMO pays out Bi-weekly (every 14 days), and XPIPS pays out 30 calendar days after your first trade.
Risk & Drawdown Rules
FTMO lists its daily drawdown rule as "Maximum Daily Loss Amount, which is 5% of the Initial Simulated Capital (2-Step) or 3% (1-Step)".
Payout Methods
XPIPS supports withdrawals via Crypto.
Trust & Safety
For trust and reputation, FTMO has a 4.8/5 TrustPilot rating with 42,594 reviews, while XPIPS has 3/5 with 286 reviews.
Who Should Choose Which
So who should pick which? FTMO is the stronger choice for trust & reputation and fast payouts, while XPIPS is the better fit for budget-conscious traders and maximum profit potential.
Overall, FTMO edges ahead winning 5 out of 7 categories we compared. However, the best choice depends on your specific needs - both firms have their strengths.
Pros & Cons
FTMO
Pros
Cons
Pros
Cons
Frequently Asked Questions
Which is better, FTMO or XPIPS?
FTMO scores higher overall, winning 5 out of 7 comparison categories including Overall Rating, TrustPilot, Safety Grade. However, the best choice depends on your trading goals and priorities.
Which is cheaper, FTMO or XPIPS?
XPIPS has the lower starting price at $49. FTMO offers 10 challenge options starting from $79, while XPIPS offers 11 options starting from $49.
Which has better reviews, FTMO or XPIPS?
FTMO has a higher TrustPilot rating of 4.8/5. FTMO has 42,594 reviews while XPIPS has 286.
Which offers a higher profit split, FTMO or XPIPS?
XPIPS offers a higher maximum profit split. FTMO offers Up to 90% while XPIPS offers 85% (1-Step), 80% (2-Step), 65% (Instant Funding, upgradable to 80% via paid add-on); 100% from the 3rd scale-up.
How fast do FTMO and XPIPS pay out?
FTMO has Bi-weekly (every 14 days) payouts while XPIPS offers 30 calendar days after your first trade payouts. Payout speed can be an important factor when choosing a prop firm.
Are FTMO and XPIPS legit?
Both firms have been independently verified by PropFirmMap. FTMO holds a A+ safety grade and a 4.8/5 TrustPilot rating. XPIPS holds a unrated safety grade and a 3/5 TrustPilot rating. Safety grades are based on payout history, community trust signals, and regulatory transparency.
Which is better for beginners, FTMO or XPIPS?
XPIPS may be more accessible for beginners due to its lower entry price. When starting out, consider challenge cost, drawdown rules, and profit split. Use the comparison table above to find which firm fits your experience level and risk tolerance.
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