Instant funding prop firms (2026): FTMO Instant vs FundedNext Stellar Instant
Instant funding accounts skip the challenge: you pay once and trade a funded (simulated) account straight away. Of the firms we track, two publish full instant-account rules and prices on their own sites — FTMO and FundedNext — so this page compares those two honestly rather than padding the list.
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The trade-off is cost. FTMO's $100K Instant account is €2,999, versus €540 for its $100K 2-Step Challenge, and instant fees are not refunded.
Last checked · Sources listed at the bottom of the page.
Our verdict
Pick FTMO Instant if you want larger sizes (up to $100K) and a 90% reward from the start. Pick FundedNext Stellar Instant if you want the cheapest way in ($59.99 for $2K) and no daily loss limit. If you can pass an evaluation, a 2-step challenge is far cheaper per dollar of account size.
Best for larger instant accounts
$5K to $100K, 90% reward, no profit target, unlimited trading period; 3% daily and 10% trailing max loss.
Visit FTMO
Cheapest instant account
$2K from $59.99, no daily loss limit, 6% trailing max loss, on-demand payout at 5% growth.
Visit FundedNext
Instant funding accounts compared
Figures read from each provider's official website. Last checked . “Not confirmed” means we could not verify it on an official page. Prices and rules change — check the provider's site before you buy.
Some links on this page may earn TraderFolio a commission, at no extra cost to you. It never changes the figures shown. How we compare · Affiliate disclosure · Risk warning
| Feature | FTMO Instant | FundedNext Stellar Instant |
|---|---|---|
| Account sizes and price | $5K €169 · $10K €339 · $25K €749 · $50K €1,499 · $100K €2,999 | $2K $59.99 · $5K $149.99 · $10K $299.99 · $20K $599.99 |
| Fee type | One-time, non-refundable | One-time, non-refundable |
| Profit target | None | None |
| Daily loss limit | 3% | None |
| Max loss | 10% trailing on balance (intraday) | 6% trailing |
| Reward split | 90% | 70% (tiers 1–2), 80% from tier 3 |
| Consistency rule | 30% | Not confirmed |
| Payouts | On request (see FTMO terms) | On demand at 5% growth, or bi-weekly with ≥1% profit |
| Largest account | $100K | $20K |
| Leverage | Up to 1:100 | Not confirmed |
FTMO prices in euros; FundedNext in US dollars. FundedNext runs promotional prices below the list prices shown.
Instant funding vs a challenge: the cost difference
At FTMO, a $100K Instant account costs €2,999 one-time and is non-refundable; the $100K 2-Step Challenge costs €540 and is refunded with your first reward. Instant accounts make sense if you value time over cost or cannot trade under evaluation pressure — not because they are cheaper.
Why other 'instant' firms aren't listed
Some firms market one-step or fast-track programs as instant. For example, The5ers' Hyper Growth is a one-step evaluation with a 10% target, not an instant account. We only list programs where the firm's own site confirms there is no evaluation and publishes prices and rules.
FAQ
Which prop firms offer instant funding?
Among the firms we track, FTMO (Instant account, $5K–$100K) and FundedNext (Stellar Instant, $2K–$20K) publish full instant-funding rules and prices on their own sites.
How much does an instant funded account cost?
FTMO Instant ranges from €169 for $5K to €2,999 for $100K. FundedNext Stellar Instant ranges from $59.99 for $2K to $599.99 for $20K. Both fees are one-time and non-refundable.
Is instant funding better than a challenge?
Usually not on price. FTMO's $100K Instant account is €2,999 versus €540 for the $100K 2-Step Challenge, which is also refundable. Instant accounts trade cost for speed and no profit target.
Do instant funding accounts have a daily loss limit?
FTMO Instant has a 3% daily loss limit and a 10% trailing max loss. FundedNext Stellar Instant has no daily loss limit but a 6% trailing max loss.
Is a prop firm challenge fee a safe way to start trading?
Treat the fee as money you can lose. Most traders do not pass evaluations, funded accounts are usually simulated, and firms can change their rules. Read the firm's own terms before paying and see our risk warning.
Sources (4)
Official pages only. Last checked
Instant accounts up to $100K: FTMO
Visit FTMO