Funded Trading Plus vs The Funded Trader (2026) — Which Is Better?

## Overview

Funded Trading Plus is a UK-based prop firm established in 2013 that offers two distinct pathways to funding: an instant funding option with no evaluation required, and a traditional evaluation-based challenge program. The Funded Trader is a newer alternative that focuses on providing lower-cost access to funded accounts through multiple challenge types, targeting traders who want flexibility in how they prove themselves. Both firms operate in the proprietary trading space—providing capital to retail traders in exchange for a profit split—but they serve different trader profiles and risk tolerances.

## Pricing Comparison

Funded Trading Plus charges a flat $119 per month, making it the significantly more expensive option upfront. This monthly fee applies whether you're enrolled in their evaluation program or utilizing the instant funding feature. The higher cost reflects the comprehensive 24/7 support, access to five different trading platforms, and their established track record of payouts ($19.5M+ distributed).

The Funded Trader undercuts this substantially at $65 per month—a 45% savings compared to Funded Trading Plus. For a trader planning a 12-month engagement, this amounts to $648 saved annually. However, The Funded Trader's cost advantage becomes questionable when you factor in their lower starting profit split (80% versus the potential for 100% with Funded Trading Plus) and their documented history of payout delays. A trader earning $5,000 monthly profits faces meaningful differences: at 80% split, they net $4,000; at 100%, they keep $5,000. Over time, the $119/month investment in Funded Trading Plus may offset its higher fee if it delivers faster, more reliable payouts and consistent 90-100% splits.

Neither firm advertises a free trial or money-back guarantee. Funding is accessed only after evaluation or after purchasing instant funding access.

## Key Features Head-to-Head

**Profit Split Structure**: Funded Trading Plus offers scalable splits reaching 100% for high-volume or consistent traders through their growth program. The Funded Trader's splits top out at 90% but typically start at 80%, meaning a trader on their base tier keeps less per trade. Advantage: **Funded Trading Plus** for serious traders seeking maximum profit retention.

**Platform Diversity**: Funded Trading Plus supports five trading platforms including cTrader and DXTrade, giving traders flexibility to switch if one platform experiences downtime or doesn't suit their strategy. The Funded Trader supports MT4, MT5, and cTrader—solid coverage but one fewer option. For traders with platform-specific strategies or those who want redundancy, Funded Trading Plus wins. Advantage: **Funded Trading Plus**.

**Capital Scaling**: Funded Trading Plus scales traders up to $2.5 million in funded capital. The Funded Trader maxes out at $600,000. For traders aspiring to manage larger capital pools, Funded Trading Plus offers roughly 4x the ceiling. However, reaching $2.5M requires consistent profitability and adherence to rules. Advantage: **Funded Trading Plus** for ambitious capital builders.

**Challenge Flexibility**: The Funded Trader explicitly allows news trading and Expert Advisors (EAs) on most challenges, which appeals to algorithmic traders and those who trade macroeconomic events. Funded Trading Plus's rule enforcement is described as strict, suggesting less flexibility around trading style. Advantage: **The Funded Trader** for algo and news traders.

**Account Access Speed**: Funded Trading Plus's instant funding option (no evaluation phase) is unique among the two. Traders can begin trading live capital immediately after purchase. The Funded Trader requires completing a challenge, which takes days to weeks depending on the trader's pace. Advantage: **Funded Trading Plus** for traders who want to start immediately.

**Customer Support and Reliability**: Funded Trading Plus maintains a 4.7/5 Trustpilot rating with 24/7 support availability. The Funded Trader's 3.9/5 rating reflects payout delays and rule-change friction reported by users. Traders needing confidence in payouts and responsive support should note this 0.8-point difference. Advantage: **Funded Trading Plus**.

## Who Should Choose Funded Trading Plus

- **Established traders with capital to invest upfront**: The $119/month fee is justified if you're consistently profitable and want to scale capital quickly. Reaching 100% profit splits and $2.5M in funding justifies the cost.

- **Algorithm and systematic traders seeking platform diversity**: If you've developed strategies across multiple platforms or want failover redundancy, the five-platform ecosystem is a tangible advantage over competitors.

- **Traders who value fast payouts and customer trust**: The Trustpilot rating differential and 24/7 support matter most to traders who cannot afford delays between profit realization and account crediting.

- **Speed-focused traders who want instant funding**: If you're ready to trade today and willing to pay for that access, Funded Trading Plus's instant funding option eliminates the evaluation waiting period entirely.

## Who Should Choose The Funded Trader

- **Budget-conscious traders in evaluation phase**: If you're testing the prop trading waters and want to minimize sunk costs while you evaluate the business model, $65/month is significantly less painful than $119.

- **Algorithmic and news traders**: If your strategy involves EAs or trading macroeconomic news—both explicitly allowed on most challenges—The Funded Trader's rule set is more permissive than Funded Trading Plus's stricter enforcement.

- **Traders targeting $100K-$600K funding size**: If you're comfortable scaling in the $100K-$600K range and don't need $2.5M, The Funded Trader's maximum is sufficient, and you save $648 annually in fees.

- **Traders comfortable with risk in exchange for lower fees**: If you can tolerate slower support response times and have read the payout delay reviews but believe you won't encounter those issues, the cost savings may be worth the calculated risk.

## The Verdict

Funded Trading Plus is the objectively stronger choice for professional traders who can absorb the $119/month fee and prioritize payout reliability, support quality, and capital scaling—the 0.8-point Trustpilot gap and documented payout issues at The Funded Trader are red flags that override lower pricing. Choose The Funded Trader only if you're capital-constrained during the evaluation phase, rely heavily on EAs or news trading, or have independently verified that payout delays are resolved. For traders with proven profitability, the $648 annual premium for Funded Trading Plus pays for itself through faster capital access and higher profit splits.