Withdrawal options vary widely depending on the firm and where you live. This guide maps the major methods as of mid-2026 and suggests the best pick for each region.
If you specifically want the profit split sent to a crypto wallet, the firm-by-firm breakdown of coins, chains, minimums and arrival speed lives in Prop firms that pay out in crypto. This page is the general map of every method.
Six main withdrawal methods
1. Crypto (USDC / USDT)
- Processing: typically within 24 hours
- Fee: the firm’s own cut ranges from 0% to 3.5%; the trader pays the network fee on top
- Minimum: $50–$100
- Supported by: FTMO, Fintokei, The5%ers, Goat Funded Trader, FundedNext, FundingPips, Hola Prime, E8 Markets, FXIFY, City Traders Imperium and many others
The fastest route — but “crypto” does not automatically mean “cheap”. The percentage the firm deducts varies enormously between firms, and that is what actually moves your net. US residents have KYC-driven restrictions.
2. Rise
- Processing: 1–3 business days
- Fee: depends on the firm (The5%ers 3.5%, Goat Funded Trader 2%), plus Rise’s own conversion fee
- Minimum: $100
- Supported by: The5%ers, Goat Funded Trader, FundedNext, Maven Trading
A peer-to-peer cross-border payments platform, popular in Asia and Africa. FTMO does not list Rise among its payout methods (checked 2026-07-29).
3. Wise (formerly TransferWise)
- Processing: 1–2 business days (depends on currency pair)
- Fee: usually free at the firm; Wise FX margin (1–2%) on the trader
- Minimum: $50–$200
- Supported by: fewer firms list Wise officially than you would expect. FTMO and The5%ers do not name Wise as a payout method as of 2026-07-29
Wise being a good transfer service and a prop firm offering it as a payout route are two different things. Check the firm’s own payout page before funding an account.
4. Bank wire (SWIFT)
- Processing: 3–7 business days
- Fee: intermediary bank fees (tens of dollars), receiving-side fees on the trader
- Minimum: varies widely — from $20 in closed profit at FTMO up to around $1,000 elsewhere
- Supported by: nearly all firms
The most reliable option and the slowest. For large withdrawals (>$5,000), the firms without a percentage cut are the ones that come out ahead.
5. SEPA (EU residents)
- Processing: 1 business day
- Fee: free or low
- Minimum: €50–€100
- Supported by: mostly EU-based firms (Fintokei names SEPA on its official payouts page). Many firms only say “bank transfer” without specifying SEPA
Fastest intra-EU method.
6. PayPal / Skrill / Neteller
- Processing: 1–2 business days
- Fee: usually free at the firm; receiving fees (e.g., PayPal’s 2.9%) on the trader
- Minimum: $100–$200
- Supported by: Skrill at FTMO (up to $3,000 per payout) and Goat Funded Trader (up to $5,000 per payout). PayPal support is limited
Convenient, but the per-payout caps are low enough that these do not work for large withdrawals.
What major firms support
The comparison table shows payout cycles; for the actual method list, the firm’s help center has the latest:
| Firm | Crypto | Bank transfer | Rise | Other |
|---|---|---|---|---|
| FTMO | ✓ | ✓ | – | Visa Direct / Mastercard Send (up to $20,000), Skrill (up to $3,000) |
| The5%ers | ✓ | ✓ | ✓ | Hub Credit (0% fee, but not withdrawable — it only buys programs) |
| Fintokei | ✓ | ✓ | – | E-wallet (Walletory), SEPA, cards |
| Goat Funded Trader | ✓ (up to $4,000 per payout) | ✓ (up to $10,000 per payout) | ✓ (no cap) | Skrill (up to $5,000 per payout) |
| FundingPips | ✓ (USDC/USDT) | ✓ | – | SEPA |
| FundedNext | ✓ | ✓ | ✓ | – |
| E8 Markets | ✓ | ✓ | – | SEPA |
| Hola Prime | ✓ | ✓ | – | – |
| Topstep | – | ✓ (US ACH) | – | – |
| Apex | – | ✓ (US ACH) | – | – |
The FTMO, The5%ers, Fintokei and Goat Funded Trader rows were re-checked against each firm’s official pages on 2026-07-29. The remaining rows are unchanged from public information as of 2026-06-22 — confirm current options in each firm’s help center.
What the firm deducts
This matters more to your net than the method list does. What we could confirm on official pages:
| Firm | Firm-side fee |
|---|---|
| FTMO | None — it states it charges no additional commission on reward withdrawals. Minimum closed profit is $20 for bank wire, $50 for crypto |
| Goat Funded Trader | 2% on every payout, $100 minimum withdrawal |
| Fintokei | Crypto: 2.5% + €10 (ETH, USDT) or 2.5% + €20 (BTC, USDC). Bank transfer fees are covered by Fintokei. Minimums are €100 / $100 / ¥20,000 |
| The5%ers | 3.5% on Rise, crypto and bank transfers alike. Only Hub Credit is 0%, and that cannot be withdrawn |
The point people miss: the evaluation fee is paid once, the payout fee is paid every time you get paid. On a $2,000 payout the firm’s cut is $0 at FTMO and $70 at The5%ers. Picking a firm because its challenge is $50 cheaper is undone within one or two payouts.
With The5%ers the 3.5% applies to every cash route equally, so switching from crypto to a bank transfer does not avoid it. (The 0% Hub Credit is store credit for buying programs, not a withdrawal.)
Where a flat component exists, small payouts suffer most. Taking €200 out of Fintokei in BTC costs 2.5% (€5) plus €20 — €25, or 12.5% of the payout. The same €200 in USDT costs €15 (7.5%), and by bank transfer the fee is covered by the firm.
For coin- and chain-level detail and a speed comparison, see Prop firms that pay out in crypto.
Best choice by region
- US residents: ACH bank transfer is the default — some futures props are ACH only. Where an FX firm offers crypto, it is faster.
- EU residents: SEPA is the fastest and cheapest. Crypto is also available.
- UK residents: bank transfer is the baseline; crypto lands faster where the firm supports it.
- Asia / Africa residents: Crypto is the practical choice, and some firms also offer Rise.
- Middle East residents: Crypto is the main route.
- Australia / NZ residents: bank wire (SWIFT) is the baseline, with crypto or Rise at some firms.
Cautions
- The first withdrawal takes longer: KYC verification (2–7 business days) must clear before your first withdrawal, so have your documents ready early.
- Mind the minimum: with a $300 minimum and $200 in monthly profit, you are waiting two cycles before you can withdraw.
- Look at the shape of the fee: if the firm’s cut is purely a percentage (The5%ers’ 3.5%), splitting withdrawals changes nothing. Where there is a flat component (Fintokei’s €10–20) or a network fee, consolidating into fewer, larger withdrawals pays off.
- If a firm winds down: some firms run tiered refunds; many do not. The FundingTicks case is a relatively orderly example.
The comparison table has each firm’s payout cycle and processing speed.
This page is informational and is not investment advice. Methods change; check the firm’s help center before funding an account.