⚠️ FTUK changed its lineup in September 2026. Lightning, One Step, One Step SIM and Two Step are no longer sold. Forex is now two programs, Flex Challenge (pay after you pass) and Instant Funding; futures is Instant Sim. Reviews that still list five models are out of date.
Account Sizes
$5K–$200K
Monthly Cost
From $9
Platforms
MT5, Match-Trader, TradeLocker
Is FTUK Worth It? Our Honest FTUK Review
FTUK is a forex prop firm founded in 2021, best known for its “Pay After You Pass” Flex Challenge: a $9 start, a 4% target, and on-demand payouts that FTUK reports at about an hour on average. Since September 2026 it sells just two forex programs plus one futures product. Here is the full picture.
Worth it if you want to pay only after you pass: Flex costs $9 to start, is a single step with a 4% target, has no stop-loss rule, and pays out on demand in about an hour. Skip it if you want a high split from day one — splits start at 60–65% and reach 90% only after six 10% profit levels.
30% off your challenge.
Details last checked 21 Sep 2026.
Jump to: Current models · Flex pricing · Futures · Verdict · FAQ
Pros
- Pay After You Pass: $9 to start Flex, the activation fee only after you pass
- Lowest target we track on a one-step evaluation: 4%, no time limit, 1 minimum day
- On-demand payouts, reported at about an hour on average
- No stop-loss requirement; news trading and weekend holding allowed
- Split scales to 90% across six levels on both forex programs
Cons
- Less choice than before: after the September 2026 cleanup there are only two forex programs, Flex and Instant
- MT5 isn't available for US traders; check platform availability for your country before committing
- Three separate legal entities (Wyoming, Netherlands, Saint Lucia), worth reading the Terms to understand which one you're actually contracting with
- The split starts low, 60% on Flex and 65% on Instant, and only reaches 90% after six profit levels; small withdrawals stay at the base rate
- On Flex the real cost is the activation fee: $56 at $5K, rising to $672 at $100K, due once you pass
Current Models (September 2026)
| Model | Market | Phases | Target | Daily DD | Max DD | Payouts | Split |
|---|---|---|---|---|---|---|---|
| Flex Challenge | Forex | 1 | 4% | 5% | 6% trailing | Instant, on demand | 60% → 90% |
| Instant Funding | Forex | 0 | None (20% consistency) | 5% | 6% trailing | Instant | 65% → 90% |
| Instant Sim | Futures | 0 | 6% payout target | EOD lock | EOD | Instant | — |
No stop-loss requirement, news trading and weekend holding allowed on the forex programs. Checked on ftuk.com, 21 Sep 2026.
On a funded Flex account, payouts are on demand once you meet the consistency score: at the starting level your best single day must be no more than 20% of the profit you are requesting. News trading and weekend holding are allowed on both forex programs.
Instant Funding Pricing
Instant Funding skips the evaluation: you trade a funded account from day one, with a 20% consistency rule and no minimum trading days. List prices, before any promo code:
| Size | Price |
|---|---|
| $5,000 | $109 |
| $10,000 | $179 |
| $25,000 | $349 |
| $50,000 | $649 |
| $100,000 | $1,199 |
FTUK runs promo codes on Instant Funding most of the time; at our check the price was about 30% lower at checkout.
Flex Challenge Pricing ("Pay After You Pass")
Flex’s entry fee is a flat $9 across every size; the bulk of the cost is the activation fee, which you only pay once you’ve actually passed the challenge:
| Size | Entry Fee | Activation Fee | Total |
|---|---|---|---|
| $5,000 | $9 | $56 | $65 |
| $10,000 | $9 | $98 | $107 |
| $25,000 | $9 | $204 | $213 |
| $50,000 | $9 | $374 | $383 |
| $100,000 | $9 | $672 | $681 |
| 0,000 | |||
| $100,000 | $9 | $672 | $681 |
| $100,000 | $9 | $672 | $681 |
Futures: Instant Sim
FTUK’s futures product is now Instant Sim: no evaluation, no activation fee and no profit target to qualify — you start on a funded sim account from $25K to $150K and work towards a 6% payout target, with an end-of-day drawdown. The older Flex Futures page is currently password-protected and not sold publicly.
- Sizes: $25K, $50K, $100K, $150K
- No evaluation, no activation fee
- Payout target: 6%
- Drawdown: end-of-day, with a daily drawdown lock
- Platform: FTUK XT
Company
FTUK operates through three entities: FTUK LLC (Wyoming, USA), NexData-Solutions B.V. (Utrecht, Netherlands), and FTUK Markets Ltd (Saint Lucia). Restricted countries include North Korea, Iran, Libya, Somalia, South Sudan, Sudan, Syria, and Yemen; MT5 specifically is also unavailable to US and UAE traders even where the firm otherwise operates.
Verdict
FTUK’s standout is the entry cost: at $9 to start, Flex is the cheapest way we track to test a one-step evaluation, and the 4% target with no time limit is genuinely forgiving. Payouts are on demand once you meet the consistency score, and FTUK reports an average of about an hour.
The trade-off is the split. Both forex programs start at 60–65% and only reach 90% after six levels of 10% profit, and withdrawing in small pieces keeps you at the base rate. For an SMC/ICT trader who takes fewer, larger withdrawals, that structure is workable; for someone who wants frequent small payouts, a firm with a flat 80–90% split will pay more.
FAQ
Is FTUK legit?
FTUK has been operating since 2021, reports 30,000+ traders and $12M+ paid out across 133+ countries, and discloses three legal entities (Wyoming, Netherlands, Saint Lucia) in its terms.
Which programs does FTUK offer now?
Since September 2026: Flex Challenge (forex, to start, activation fee after you pass), Instant Funding (forex, no evaluation) and Instant Sim (futures). Lightning, One Step and Two Step were discontinued.
How does the FTUK profit split scale?
Flex starts at 60% and Instant Funding at 65%. Each time you reach 10% profit you move up a level, to 90% at level six. The higher rate only applies if you withdraw the whole level’s profit in one request; smaller withdrawals are paid at the base rate.
How fast does FTUK pay out?
FTUK reports a 60-minute average payout time, faster than the 24-hour guarantees several competitors advertise.
Does FTUK have a discount code?
As of our last check, yes: SUMMER30 for 30% off. Confirm it’s still live at checkout.
FTUK Discount Code
30% off your challenge.
Details last checked 21 Sep 2026.