RaiseMyFunds vs FTMO: Which Challenge to Choose in 2026?

## RaiseMyFunds vs FTMO: Which Challenge to Choose in 2026? RaiseMyFunds and FTMO target the same trader with contrasting approaches: one focuses on a high initial profit split (85%) and no time limits, while the other focuses on institutional solidness and a comprehensive ecosystem. Here is the detailed comparison to help you choose according to your profile. ## Summary - [Pricing and Account Sizes](#prix-et-tailles-de-comptes) - [Trading Conditions](#conditions-de-trading) - [Profit Split and Payouts](#profit-split-et-paiements) - [Platforms and Reliability](#plateformes-et-fiabilite) - [Which Model for Which Profile?](#quel-modele-pour-quelle-profil) ## Pricing and Account Sizes RaiseMyFunds starts at €49 for a $10,000 account, up to €950 for $200,000. FTMO starts at €89 ($10,000 Challenge account) and goes up to €1,085 for $200,000. On small accounts, RaiseMyFunds is significantly more accessible. ## Trading Conditions RaiseMyFunds: 10% then 5% targets, 5% daily drawdown, 10% max drawdown, no time limit, but a 45% consistency rule on profits. FTMO: 10% then 5% targets (with conditional Advantage account at 10%), 5% daily drawdown, 10% max drawdown, 30-day time limit per phase, but no consistency rule. Key takeaway: if you trade slowly, RaiseMyFunds removes clock pressure; if you rely on aggressive single trades, FTMO accepts large trades better. ## Profit Split and Payouts RaiseMyFunds pays 85% from the first payout (up to 90% with scaling to $1M), first withdrawal after 14 days then bi-weekly. FTMO pays 80% up to 90% with scaling, first withdrawal after 14 trading days then on-demand. ## Platforms and Reliability RaiseMyFunds is limited to MT5 (demo account raw spreads via RaiseFX), with a Trustpilot score of 3.5. FTMO offers MT4, MT5, cTrader, and DXtrade, with a 4.5 Trustpilot rating and the longest track record in the market. On reliability and tool choice, FTMO clearly dominates. ## Which Model for Which Profile? RaiseMyFunds if: you want maximum split from the start (85%), trade without time pressure, and keep initial costs low (from €49). FTMO if: you seek maximum reliability, complete platform choices, and on-demand withdrawals. To dive deeper, read our [avis complet RaiseMyFunds](https://fundedtrader.fr/blog/fiche-raisemyfunds), our [test complet FTMO](https://fundedtrader.fr/blog/fiche-ftmo) and the [comparateur de prop firms](https://fundedtrader.fr/blog/challenge-1-phase-vs-2-phase-prop-firm-2026) for 1-phase vs 2-phase models. --- Have your challenge validated by our team regardless of the firm: [Fundedtrader.fr/challenges](https://fundedtrader.fr/challenges). Open an account [RaiseMyFunds ici](https://live.raisemyfunds.co/buy-funded?affiliate=KGEMBI35) or [FTMO ici](https://join.ftmo.com/IGvGmzqwDqrFVsKOsTNB).