Funded Trading Plus currently offers three simulated-account routes: 1-Step Express, 2-Step Classic and Instant. Their most important difference is not the number of evaluation phases. Express and Instant use relative trailing maximum loss, while Classic uses a fixed maximum-loss floor but adds consistency and symbol-loss rules. Traders should choose the drawdown and payout structure their normal strategy can survive, then consider price.
This review was checked against Funded Trading Plus’ official program pages and help center on July 18, 2026. Programs called Master, Experienced, Advanced, Premium or Prestige are legacy and are not current purchases. Promotional prices and add-ons can change at checkout.
Express, Classic and Instant place risk in different places
| Program | Evaluation | Target | Daily loss | Maximum loss | Standard split | Reward cycle |
|---|---|---|---|---|---|---|
| 1-Step Express | One phase | 10% | 4% | 6% relative trailing | 80% | Day 0, then 7 days |
| 2-Step Classic | Two phases | 7% + 7% | 4% | 8% static | 80% | Every 10 days |
| Instant | None | None | 6% | 6% relative trailing | 80% | Day 0, then 7 days |
All three are simulated programs. No customer trades real firm capital through these accounts. Successful traders may receive real-world performance rewards funded by Funded Trading Plus under its contracts and risk policies.
Express is simpler, but relative drawdown follows gains
Express requires one 10% simulated-profit target. It permits overnight and weekend holding, has no stop-loss requirement and no evaluation time limit. The 4% daily loss is based on the prior daily balance snapshot. The 6% maximum-loss amount trails the highest closed balance until the floor reaches the initial account balance, where it locks.
That trailing structure reduces usable cushion after profitable days. On a 100K account, the maximum-loss distance is $6,000. If the closed-balance high rises, the threshold rises with it. A later withdrawal does not move the high-water mark downward, so traders must calculate post-withdrawal room rather than focusing only on the amount eligible for payment.
Express has no published soft consistency rule on its current product page. After passing, the simulated funded account can request a minimum $50 reward as soon as it is profitable, with later requests every seven days. The current rules are on the official Express program page.
Classic trades a second phase for a fixed loss floor
Classic requires 7% simulated profit in each of two phases. Its 8% maximum-loss level is static: the floor is set from starting balance and does not rise when the account reaches new highs. This gives profitable traders more stable room than a relative trailing model.
The trade-off is more rule complexity. The current product page lists a 35% consistency score during the challenge and 50% after qualification. It also lists a 3% symbol-loss limit. Multiple positions in the same instrument are aggregated for that rule, so splitting one XAU/USD idea into several tickets does not split the risk.
Classic rewards require at least 1% growth and satisfaction of the account objectives. The standard cycle is every ten calendar days. Scaling requires 20% new simulated profit, at least one prior reward, consistency compliance, symbol-rule compliance and a minimum two-month activity period before the first request.
The Classic help article confirms the 7%/7%, 4% daily and 8% static core limits. The current checkout page adds the consistency and symbol-loss conditions, which should be saved with the purchase.
Instant removes the evaluation, not the drawdown
Instant begins directly in simulated funded conditions and has no profit target. A trader can request a minimum $50 reward after becoming profitable, subject to review, then request every seven days. The standard split is 80%.
Instant uses a 6% balance-based relative trailing maximum loss and a 6% daily loss based on the prior closed balance. It does not require a stop loss. Unlike Express and Classic, weekend holding is prohibited: positions must close by 4:30 p.m. Eastern on Friday or the system closes them at prevailing prices.
The convenience is expensive. At the time checked, the official page displayed a standard $4,499 fee for a 100K Instant account and a temporary code price of $3,149.30. That promotion is not a permanent list price and should not be hard-coded into a long-term comparison. Current conditions are in the Instant program documentation.
Current checkout prices need an account size
The previous TradingToolsHub page used very low headline prices without matching them to a current account size. Current official pages displayed a 100K Express or Classic standard fee of $549 when checked, with a temporary 30% code price of $384.30. Other sizes have different checkout totals.
Funded Trading Plus charges one-time program fees rather than monthly subscriptions. A failed evaluation or breached account requires another purchase or an eligible reset. Add-ons can increase cost: the current pages offer paid adjustments for reward split, scaling, drawdown or reward frequency depending on program.
Use the exact checkout total, including VAT and add-ons, when comparing firms. A coupon should not be presented as the permanent base price.
New challenge fees are not refunded
The old review promised that evaluation fees would be refunded with the first payout. That is false for current Express and Classic accounts launched on February 7, 2026. Funded Trading Plus states that these new challenge programs do not offer a challenge-fee refund.
Some legacy programs had conditional refunds after reaching 10% simulated profit in the funded phase, while Master and Prestige fees were not refundable. Those legacy rules should not be applied to a new purchase. The distinction is explicit in the official fee-refund policy.
Daily loss and maximum loss are both hard rules
The daily threshold is recalculated from a snapshot of prior balance or equity according to the program’s method. If equity or balance falls through the current daily figure, the account is breached. It is not a soft pause that reopens the next day.
Relative maximum loss uses the highest closed-balance watermark and a fixed percentage amount derived from starting balance. The threshold stops rising when it reaches starting balance. Static drawdown remains fixed from the beginning.
Classic’s symbol-loss rule creates an additional hard limit. Risk across all positions in one symbol is combined. Traders using correlated positions should also review the broader risk and prohibited-practices policies rather than assuming only the headline percentages matter.
Scaling is conditional, not automatic
Express and Instant describe 10% scaling milestones. Classic uses a 20% milestone and additional activity conditions. Scaling requests are subject to risk review, require closed profit to remain in the account and cannot skip levels.
The standard material references scaling toward $2.5 million, while some checkout add-ons advertise an enhanced path to $5 million. Those are simulated balance ceilings, not cash allocations delivered to a personal brokerage account. Funded Trading Plus reserves discretion over scaling approval.
Platform and regional availability must be checked at checkout
The available platform list changes by location. Current UK pages displayed Match-Trader and MetaTrader 5 for some challenge routes, while the company’s disclaimer says MetaTrader 5 is unavailable through its operating entity in the United States. An older claim of five universally available platforms is therefore unsafe.
These are CFD-style simulated instruments, not exchange-traded futures accounts or direct stock ownership. Traders in restricted jurisdictions should not attempt to circumvent location controls; the company warns that incompatible residency can prevent account progression.
Who should choose each program?
Express fits a trader who wants one evaluation, weekend holding and no consistency score, and who can manage a trailing high-water-mark floor. Classic fits someone willing to complete two phases and obey consistency and symbol limits in exchange for a stable 8% maximum-loss threshold. Instant fits a well-tested trader who values immediate reward eligibility enough to justify the much higher upfront cost and weekend restriction.
None is a good choice for someone who has not modelled daily loss, withdrawal cushion and per-symbol exposure. The firm earns revenue from program fees; the trader benefits only when received rewards exceed purchases, resets and transaction costs.
Our current assessment
Funded Trading Plus offers meaningful structural choice rather than three cosmetic versions of one challenge. Classic’s static drawdown is the clearest risk advantage. Express has the simplest evaluation path. Instant provides immediate simulated-funded access but is difficult to justify without an established profitable process.
The largest concerns are high standard pricing, hard daily and symbol rules, trailing drawdown on Express and Instant, location-dependent platforms and rapid program changes that make old reviews unreliable. Read the exact product page and contract attached to the account; do not rely on legacy Master, Prestige or refunded-fee claims.