FTMO 2-Step fee refund: budget until the first reward
Separate the upfront fee from a conditional refund and build a cash budget without assuming that passing means payment.
Refund belongs to the product
The official refund FAQ distinguishes 2-Step from 1-Step and Instant. For 2-Step, the initial purchase fee is refunded when the first reward withdrawal is requested, using the original payment method. This is not an upfront discount.
Sources for this section
Diagram explained
A possible refund does not finance the purchase
- Hypothetical fee €200
- Separate tools €50
- Initial cash €250
Two milestones before cash returns
Completing the evaluation comes before identity verification and the account agreement. A reward also requires eligible simulated profit and compliance. Treat the purchase fee as money you may not recover, rather than spend a forecast refund twice.
Sources for this section
Official programme rules, checked 27 October 2026 Official programme rules, checked 27 October 2026
A hypothetical cash budget
Assume a chosen checkout costs €200 and you set aside €50 for unrelated tools. Your planned cash outlay is €250. Even if the €200 later qualifies for return, you still need €250 initially. These are illustrative amounts, not FTMO prices or a recommended budget.
Sources for this section
Official programme rules, checked 27 October 2026 Official programme rules, checked 27 October 2026
Save the evidence at purchase
Save the product name, account type, currency, final invoice and refund FAQ. Check personal eligibility separately; a Vietnamese-language website does not approve every applicant. Revisit the rulebook before the first reward request.
Sources for this section
Official programme rules, checked 27 October 2026 Official programme rules, checked 27 October 2026
Your next step
Sources and scope
Sources are provider publications. Conditions may vary by entity, country, account and program. Recheck before signing up.