Atlas Funded vs Funded Trading Plus: Which Prop Firm Is Better in 2026?

Quick Comparison Table

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Funded Trading Plus doesn't generate the same buzz as some of the bigger names in prop trading. They've stayed relatively under the radar, quietly building a user base without the controversy or drama that's plagued other firms.

Atlas Funded took a different route. They launched in 2024, made noise with their pay-after-you-pass model, and positioned themselves as the firm that actually trusts traders to prove themselves first.

One plays it quietly. The other came out swinging.

But marketing aside, which firm actually delivers better terms? That's what this comparison breaks down.

What Is Atlas Funded?

Most prop firms operate on a simple premise: pay first, trade later, hope you don't lose your fee. Atlas Funded decided that the model was broken.

They launched in 2024 with the Atlas Access program, where you take the challenge before spending anything. Pass, and you pay. Fail, and you walk away without a hole in your wallet. It's a bet on the trader rather than against them.

The company runs out of Saint Lucia with teams in the UAE and UK. Accounts max out at $300k each, or $400k total across multiple accounts. Profit splits go to 100% with an upgrade. Payouts land within 24 hours, backed by a $1,000 penalty if they're late.

Evaluations come in 1-Step, 2-Step, and 3-Step versions. Instant funding is there for anyone who wants to skip the proving ground. Trading happens on TradeLocker, Match Trader, or MT5 for non-U.S. clients.

What Is Funded Trading Plus?

Funded Trading Plus started in 2021 as an offshoot of Trade Room Plus, a UK-based live trading room that had been running since 2013. The founders saw the same problem most retail traders face: skill without capital doesn't pay the bills.

The firm was built with input from Wall Street and London trading professionals, including prop traders, brokers, and liquidity providers. CEO Simon Massey leads operations, with the company registered in both the UK (London and Manchester offices) and St. Lucia.

FT+ has built a reputation for straightforward rules and trader-friendly policies. News trading and hedging are allowed. Payouts are reportedly fast. Support runs 24/7. They offer 1-step, 2-step, and instant funding options, making it accessible for different experience levels.

With a 4.4 rating on Trustpilot from over 3,000 reviews, they've earned decent trust without generating much controversy. Not flashy, but consistent.

Account Types and Funding Options

Pricing and structure vary wildly between these two. One keeps things affordable, the other charges a premium for certain paths.

Atlas Funded Account Types

Atlas Funded built their lineup around removing barriers.

• Instant Funding exists for traders who have no interest in proving themselves first. Accounts from $5,000 to $300,000, 100% profit split, no hoops.
• It has the cheapest 1-Step Challenge that keeps it simple. Hit 11%, get funded.
• 2-Step Challenge adds a second phase. The standard version asks for 9%, then 5%. Pro tweaks the numbers slightly.
• 3-Step Challenge chops things into three 6% targets. Smaller bites for traders who prefer gradual progress.
• Atlas Access removes the financial gamble. Attempt the evaluation without paying. Only hand over the fee once you've passed. Available for 1-Step and 2-Step.

The maximum single account sits at $300k. Hold multiple accounts, and you can manage up to $400k total.

Funded Trading Plus Account Types

FT+ offers four main programs, none with time limits.

• Master Program is their instant funding option. No evaluation, immediate access, 80% profit split that can scale to 100%. The catch is the price. A $100k account costs around $2,250. There's also a 6% trailing drawdown to manage.
• Experienced Program is a 1-step challenge with a 10% profit target and 6% trailing max drawdown. Quick path if you can handle trailing drawdowns.
• Advanced Program runs two phases at 10% then 5%, with a 10% trailing max drawdown. No weekend holding allowed.
• Prestige Program also runs two phases, but uses static drawdown instead of trailing. Better for swing traders who hold positions longer. Comes in Lite (6% target per phase) and Pro (10% target) versions.

Account sizes range from $12,500 to $200,000 for initial purchase. Scaling can take you up to $2.5 million over time.

No pay-after-you-pass option exists. You pay upfront, though the Advanced and Prestige programs refund your fee with your first funded payout.

Comparison Table – Account Types

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Verdict: Atlas gets you in cheaper and lets you try before you buy. FT+ charges more than double for comparable accounts and wants payment upfront every time.

The $2.5 million scaling ceiling at FT+ is impressive, but you're paying a premium to chase it. For most traders, Atlas offers a more accessible starting point.

Profit Splits Compared

Both firms start at the same place but take different roads to get you to 100%.

Atlas Funded Profit Split

Atlas starts everyone at 80%. Want 100%? Pay for the upgrade, and it's yours immediately. No milestones, no waiting, no profit thresholds to hit first.

Funded Trading Plus Profit Split

FT+ also starts at 80%, but getting higher requires performance. Hit 20% total profit on your account, and you can request an upgrade to 90%. Reach 30% total profit, and you unlock 100%.

It's a fair system if you're planning to stick around. But for traders who want maximum earnings from day one, hitting 20-30% profit before unlocking better splits means leaving money on the table during your best early trades.

FT+ does offer add-ons at checkout to start with higher splits, but that's an extra cost on top of already higher fees.

Comparison Table – Profit Splits

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Verdict: Atlas wins on simplicity. Pay once, keep everything from the start. FT+ makes you earn your way to 100%, which sounds fair until you realize your biggest wins might come before you've unlocked the best split. If you're confident in your trading, Atlas lets you capture full value immediately.

Payout Speed and Withdrawal Terms

You made a profit. Now, how long until it's actually yours?

Atlas Funded Payout Policy

Atlas runs on-demand payouts. Request whenever you want, and they process within 24 hours. If they miss that window, $1,000 gets added to your withdrawal. No games, no excuses.

Default cycle is 30 days, with add-ons available for weekly or bi-weekly access. No minimum withdrawal on most accounts. Access Challenge has a $50 floor.

Funded Trading Plus Payout Policy

FT+ payout eligibility varies by program. Advanced Program lets you request from day one if you're in profit. Premium requires 7 days plus 3 minimum profitable days (at least 0.5% profit each). Prestige programs have their own conditions tied to profitable trading days.

The firm is also known for offering a flat $50 flat minimum withdrawal across all account sizes. After your first withdrawal, subsequent requests can be made every 7 or 14 days, depending on the program. Processing takes around two business days, though risk reviews can extend that. All trades must be closed before you can request.

No late payout penalty exists. If something delays your withdrawal, you wait.

Comparison Table – Payouts

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Verdict: Atlas Funded is faster and more flexible. FT+ isn't bad, but the program-dependent rules, higher minimums on larger accounts, and lack of a late guarantee make it the slower, more complicated option.

Trading Rules and Restrictions

Rules are where prop firms reveal their true expectations. Tight restrictions suggest they're betting against you. Flexible ones suggest they actually want you to succeed.

Atlas Funded Trading Rules

Daily drawdown ranges from 4-5% depending on account type. Maximum drawdown sits between 6-10%. Both are calculated from the balance.

No minimum trading days. No time limits on challenges. No consistency rules limiting how you distribute your profits across trades.

News trading is allowed during evaluations. On funded accounts, profits from trades within 5 minutes of high-impact events may be adjusted, but your account stays intact.

Atlas Funded is also among the few firms that permit weekend holding. You just can't open new positions on Saturday or Sunday. Stop losses aren't mandatory. Strategies built primarily on sub-3-minute trades are prohibited.

Funded Trading Plus Trading Rules

FT+ uses two drawdown models. Trailing drawdown applies to Experienced (6%), Advanced (10%), and Master (6%) programs. Your drawdown follows your equity high-water mark until you hit 6-10% profit, then it locks at your starting balance. Prestige programs use a static drawdown at 10%, which doesn't trail.

Minimum trading days depend on the program. Experienced, Advanced, and Master have none. Prestige requires 3 days. No time limits exist on any evaluation.

No formal consistency rules, though Prestige programs require consistent lot sizing. You can't blast a huge position to pass and then switch to micro-lots.

News trading is fully allowed on both evaluations and funded accounts. FT+ is one of the few firms that lets you keep profits from red folder events.

FT+ updated their Master Program in late 2025 to allow weekend holding for Crypto and certain indices, provided the trader uses the updated Match-Trader or DXTrade platforms. 

Stop losses aren't mandatory. No minimum trade duration, though HFT and latency arbitrage are prohibited.

30-day inactivity rule applies. No trades for 30 days, and your account expires.

Comparison Table – Trading Rules

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Verdict: Close call. FT+ actually edges ahead on news trading since they don't adjust profits from high-impact events. But Atlas wins on simplicity. One set of rules instead of memorizing which restrictions apply to which program. Both firms are relatively trader-friendly, but Atlas requires less homework.

Trading Platforms and Instruments

The platform you trade on matters more than most people think. A clunky interface or missing features can throw off your entire routine.

Atlas Funded Platforms

Atlas keeps it to three. TradeLocker, MetaTrader 5, and Match Trader. Desktop, web, and mobile all covered. U.S. traders won't have MT5 access thanks to the MetaQuotes situation, so TradeLocker and Match Trader become the default options stateside. No MT4, no cTrader.

Funded Trading Plus Platforms

FT+ spreads things across four platforms. MetaTrader 5, cTrader, Match-Trader, and DXtrade. More choices, including cTrader for traders who swear by its interface. Same MT5 restrictions apply for U.S. clients. EAs run on MT5 and cTrader if automation is part of your strategy.

Instruments

Both firms hit similar marks. Forex, indices, commodities, and crypto. No stocks on either side.

FT+ runs 1:30 leverage on forex, metals, and energies. Crypto drops to 1:2. Indices and crypto trade commission-free while forex trading carries a standard round-turn fee.

Atlas covers majors, minors, and exotics on forex. Commodities include metals, energy, and agricultural products. Indices span U.S., European, and Asian markets.

Comparison Table – Platforms & Instruments

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Verdict: FT+ takes platform variety with cTrader and DXtrade in the mix. Atlas has TradeLocker, which FT+ doesn't. Instruments are a wash. Pick based on which platform you actually want to use daily.

 Key Takeaways – Atlas Funded vs Funded Trading Plus

• Best for instant funding: Atlas Funded. Their instant funding costs a fraction of FT+'s Master Program. A $100k instant account runs $2,250 at FT+ versus a few hundred at Atlas.
• Best profit split: Atlas Funded. Both reach 100%, but Atlas lets you pay for it upfront. FT+ makes you earn 30% total profit before unlocking the same split.
• Fastest payouts: Atlas Funded. On-demand processing within 24 hours with a $1,000 penalty if late. FT+ takes around two business days and offers no guarantee.
• Most flexible rules: Tie with caveats. FT+ allows full news trading without profit adjustments, which Atlas doesn't. But FT+ has program-dependent weekend holding rules and a 30-day inactivity policy. Atlas keeps rules consistent across all accounts.
• Best for beginners: Atlas Funded. Lower entry fees, smaller minimum account sizes ($5k vs $12.5k), and the Access program remove the risk of losing money on failed challenges.
• Best for experienced traders: Depends on your goals. Atlas for simplicity and faster payouts. FT+ if you want scaling potential up to $2.5 million and don't mind earning your way to better splits.
• Best platform variety: Funded Trading Plus. Four platforms, including cTrader and DXtrade versus Atlas's three.
• Best scaling potential: Funded Trading Plus. $2.5 million ceiling beats Atlas's $400k cap.

Overall Winner: Atlas Funded wins for most traders. Lower fees, simpler rules, faster payouts, and a pay-after-you-pass option that FT+ doesn't offer. Funded Trading Plus isn't a bad choice, especially if you're chasing long-term scaling or need cTrader access. But for traders who want to get funded affordably and get paid quickly, Atlas creates fewer obstacles.

Conclusion

Funded Trading Plus is a solid firm. Four years in business, no major scandals, trader-friendly rules, and serious scaling potential for those willing to grind toward $2.5 million.

But the price of entry is steep. Instant funding at $2,250 for a $100k account. Profit splits that require 30% total profit before you keep everything. Rules that change depending on which program you picked.

Atlas Funded strips away that complexity. Pay after you pass. Get your money in 24 hours. Keep 100% from the start if you want it. No guessing which rules apply to your account.

FT+ rewards patience. Atlas rewards performance.

Stop overpaying for funding. Get started with Atlas Funded today.

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