Blueberry Funded vs FTMO: Which Prop Firm Fits Your Trading Style in 2026

Blueberry Funded and FTMO sit at opposite ends of the funding-model spectrum: one leans into instant funding and fast payouts, the other leans into a long track record and a fully codified rulebook. This comparison lines up pricing, drawdown limits, payout cadence, and platform access across both firms so you can match the structure to how you actually trade.

Blueberry Funded vs FTMO: The Core Difference

The fundamental split between these two firms is structural, not just cosmetic. Blueberry Funded, operating since 2024 out of Saint Vincent and the Grenadines with Blueberry Markets as its named broker, offers instant funding accounts alongside 1-step and 2-step evaluations across 31 distinct account offerings. Traders who don't want to sit through a challenge phase can pay more upfront and get funded on day one.

FTMO, operating since 2014 in the Czech Republic, sticks entirely to evaluation-based funding. There's no instant option here: every trader passes through a 1-step or 2-step challenge across 10 account sizes ranging from $10,000 to $200,000.

Payout cadence is another sharp divide. Blueberry's standard accounts pay out every 14 days, with 7-day and on-demand payout add-ons listed as optional extras. FTMO pays every 30 days across all its offerings. For traders who prioritize cash flow over building a long track record with a single firm, that difference alone can be decisive.

Company Background and Track Record

FTMO has been operating since 2014, giving it a longer public track record than Blueberry Funded, which has been operating since 2024. That gap matters if you weigh firm longevity heavily when deciding where to risk evaluation fees and trading time.

Blueberry Funded routes trades through its own named broker, Blueberry Markets, which gives it direct control over execution infrastructure. FTMO's firm facts don't list a named in-house broker, which is typical of firms that route through multiple liquidity partners rather than a single house brand.

Account currency is a smaller but practical difference: Blueberry Funded runs accounts in USD, while FTMO runs in EUR. If you're transacting primarily in one currency or the other, this affects conversion friction on both funding and payouts.

Evaluation Models: Instant Funding vs Structured Challenges

Blueberry's product range is built around three tiers: Lite instant funding, Elite instant funding, and standard evaluations. The Lite and Elite instant funding accounts skip the evaluation stage entirely, available at every listed size from $1,250 up to $100,000. There's no profit target to hit before getting a funded account, you pay the fee and start trading live capital immediately.

Alongside those, Blueberry runs standard 1-step evaluations (10% profit target) and 2-step evaluations (10% in phase one, 5% in phase two), giving traders who'd rather prove themselves cheaply before scaling up a lower-cost path onto the same account sizes.

FTMO offers only the evaluation route: 1-step accounts require a 10% profit target, and 2-step accounts require 10% in phase one followed by 5% in phase two. There is no instant funding tier at FTMO at all. One rule specific to FTMO's 1-step accounts is worth flagging here: a 50% Best Day Rule caps how much of your total positive-day profit can come from a single day. Breaching it doesn't end the account, but the percentage has to fall back under 50% before you can continue toward payout, and the rule resets after payouts on FTMO 1-step accounts.

Pricing Across Comparable Account Sizes

At the $10,000 level, Blueberry's 2-step evaluations run from $70 to $90 depending on the specific offering, and its 1-step sits at $75. FTMO's $10,000 1-step costs $79 and its 2-step costs $89. Prices are close enough at this size that the deciding factor is usually the model (instant vs evaluation) rather than the fee.

At $100,000, the gap widens slightly. Blueberry's 2-step evaluations run $620 to $650 and its 1-step is $550. FTMO's $100,000 1-step is $499 and its 2-step is $540, both a bit cheaper than Blueberry's equivalent evaluations before any discount is applied.

Blueberry's instant funding accounts cost considerably more upfront because they bypass the evaluation phase entirely, for example the $100,000 Lite instant account is listed at $850. That premium buys immediate funded status instead of a challenge.

Blueberry currently lists a 30% discount via coupon code PFT30 across its evaluation prices. That code is database-listed, not confirmed as currently active or unexpired, so check it at checkout before using it as the basis for a pricing decision. If it applies, it changes the effective cost comparison against FTMO meaningfully.

Side-by-Side Comparison

Drawdown Limits and Profit Targets

Blueberry's drawdown structure varies by account type. Lite instant funding accounts use the tightest limits: 2% daily loss and 4% max loss. Elite instant funding accounts and standard 2-step evaluations allow 5% daily loss and 10% max loss, while Blueberry's 1-step evaluations sit at 4% daily loss and 6% max loss.

FTMO's structure is simpler: 1-step accounts allow 3% daily loss and 10% max loss, while 2-step accounts allow 5% daily loss and 10% max loss. Both firms use identical profit target structure for their 2-step paths, 10% in phase one and 5% in phase two, so that part of the comparison is a wash.

Worth noting: Blueberry's own documentation states it has removed traditional consistency rules across its 1-step, 2-step, and instant challenge models, with no payout restriction based on a "best trading day" and no fixed daily profit percentage cap. That stands in direct contrast to FTMO's 50% Best Day Rule on 1-step accounts. If you trade with occasional large winning days, that structural difference is worth weighing carefully.

Payouts, Splits, and Withdrawal Methods

Both firms start traders on an 80% profit split as standard. Blueberry lists the ability to scale up to a 90% split through its scaling or add-on program, which rewards traders who stick with the firm over multiple payout cycles.

Withdrawal methods differ meaningfully. Blueberry pays out via crypto or Riseworks only, no traditional bank transfer or e-wallet option is listed. FTMO pays out via bank transfer, crypto, or Skrill, which gives traders more conventional options if they'd rather avoid crypto rails altogether.

The payout cycle gap is the most operationally significant difference here. Blueberry's default cycle is every 14 days, with 7-day and on-demand add-ons listed as further options, versus FTMO's flat 30-day cycle. For traders who depend on trading income for regular cash flow, that's a real structural advantage on Blueberry's side, assuming the payout methods on offer work for your situation.

Platforms, Instruments, and Rulebook Style

Platform access differs by firm. Blueberry Funded supports TradeLocker, MT4, MT5, and DXtrade. FTMO supports cTrader, MT4, and MT5. Traders committed to a specific platform, especially cTrader or DXtrade users, should check this list before committing to either firm.

Asset coverage is close but not identical. Blueberry covers crypto, metals, fx, indices, and other commodities. FTMO covers fx, metals, crypto, energy, indices, and stocks, adding stock and energy exposure that Blueberry doesn't list, but Blueberry's "other commodities" category isn't mirrored in FTMO's list either.

Rulebook style is where the two firms diverge philosophically. FTMO publishes a detailed, fixed rulebook: weekend trading is prohibited for funded non-swing accounts, there's a $400,000 capital allocation limit per strategy per person, a 4-day minimum trading requirement, and a 30-day inactivity rule with the option to freeze an account for 7 days to 6 months instead of losing it to inactivity.

Blueberry takes a different approach with its hyperactivity rule: rather than publishing fixed thresholds, it monitors for excessive lot sizing, unrealistic trading frequency, and gambling-style execution, and reviews accounts manually if activity looks unsustainable. That's less predictable on paper but potentially more forgiving for traders whose style doesn't fit neatly into fixed numerical caps.

Which Firm Suits Which Trader

Traders who want to skip the evaluation phase entirely and start trading funded capital immediately, and who value the faster 14-day payout cycle, are better served by Blueberry Funded's instant funding accounts. The tradeoff is a higher upfront cost and payout methods limited to crypto and Riseworks.

Traders who prefer a firm with a longer public track record (operating since 2014) and a fully codified, predictable rulebook, and who are comfortable with a 30-day payout cycle, may prefer FTMO. Its broader payout methods (bank transfer, crypto, Skrill) and cTrader support also matter for traders with specific platform or withdrawal needs.

Cost-sensitive traders should not assume Blueberry is automatically cheaper. Compare Blueberry's PFT30-discounted evaluation prices directly against FTMO's listed prices at the same account size, and confirm the coupon is live at checkout rather than assuming it based on the database listing.

Finally, traders who need cTrader, or who want direct stock and energy exposure, should lean toward FTMO's platform and asset list. Traders who want TradeLocker or DXtrade, or who care about Blueberry's broader commodities category, should check Blueberry's offering against their platform requirements first.

Frequently asked questions

Does Blueberry Funded offer instant funding without an evaluation?

Yes. Blueberry Funded's Lite and Elite instant funding accounts skip the evaluation stage entirely, available at sizes from $1,250 up to $100,000. These accounts cost more upfront than equivalent evaluations since they bypass the challenge phase.

Does FTMO offer any instant funding accounts?

No. FTMO's account offerings are limited to 1-step and 2-step evaluations across account sizes from $10,000 to $200,000. There is no instant funding tier listed for FTMO.

What is FTMO's Best Day Rule?

FTMO applies a 50% Best Day Rule on its 1-step Challenge and 1-step Account: your single best trading day cannot exceed 50% of your total positive days' profit. Violating it does not breach the account, but you must trade the percentage back under 50% before continuing toward payout, and the rule resets after payouts.

How often do Blueberry Funded and FTMO pay out?

Blueberry Funded's standard accounts pay out every 14 days, with 7-day and on-demand payout add-ons listed as options. FTMO pays out every 30 days across all its account offerings.

What profit split do traders start with at each firm?

Both firms start traders on an 80% profit split as standard. Blueberry Funded lists the ability to scale up to a 90% split through its scaling or add-on program.

Is the PFT30 discount code guaranteed to work at checkout?

No. The PFT30 code offering 30% off is database-listed for Blueberry Funded, but a listed code is not proof it is currently active or unexpired. Confirm the discount applies at checkout before factoring it into your cost comparison.

Data as of 2026-08-19.

Risk disclaimer: Trading carries a substantial risk of loss and is not suitable for everyone. Prop-firm evaluations charge fees and most traders do not pass. Nothing here is financial advice; figures can change, so verify current terms with the firm before purchasing.

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