9 Prop Firms With Different Rules for Account Merging

Understanding the rules around account merging when you’re trading with multiple prop firms can really change the way I look after my trading capital and plan my overall strategy. Each prop firm has its own rules on account eligibility, max combined funding, profit splits, and drawdown limits.

Some firms allow traders to combine eligible funded accounts, while others enforce strict restrictions. In this guide, I will review Prop Firms With Different Rules for Account Merging. I will cover their main requirements, restrictions, and other critical factors traders should be aware of before making a decision.

How to Choose the Best Prop Firm for Account Merging?

Check Account Merging Policies Choose a prop firm that has clearly defined merging policies and check whether funded accounts can be merged under the current terms and eligibility requirements.

Review Maximum Capital Limits: Ensure that the maximum combined funding allocation for each firm allows you to combine accounts without violating ownership or allocation limits while still achieving your capital goals.

Check Eligible Account Types Before buying additional evaluations, make sure the firm allows merging accounts from different challenge models, funding programs, trading platforms, or account sizes.

Understand the Profit Split Rules: Review the profit sharing percentages before and after the merge to see if consolidating will have any impact on your earnings, qualification for rewards, payout requirements or scaling potential.

Drawdown Requirements Analysis Know your daily loss limits, maximum drawdown allowance, and how balances are calculated to gage the impact of your combined accounts on your risk exposure and your capacity to stay eligible for a funded account.

Trading Platform Compatibility: Choose a company that is compatible with your selected trading platform and ensure that accounts on different platforms or in different account currencies can be successfully combined.

Check Fees and Restrictions: Be aware of the costs of merging accounts, minimum requirements, and any limitations on account status or trading methods that may cause complications during the consolidation process.

Review Current Firm Policies: Merge after contacting customer support and reading the official documentation. Getting it in writing helps avoid misunderstandings about eligibility for the account, the combined capital, and the trading rules that apply.

9 Prop Firms With Different Rules for Account Merging

• FTMO – Allows eligible funded accounts to be merged when they share the same account type and currency, helping traders manage capital through a single account.
• FundedNext – Supports account merging for eligible funded accounts, while challenge accounts are not eligible for consolidation.
• Funding Pips – Permits merging of qualifying funded accounts under specific program requirements and allocation limits.
• The5ers – Generally operates with separate account structures, and account merging is not a standard feature.
• Topstep – Uses independent funded accounts, with no traditional account-merging system available.
• E8 Markets – Allows traders to hold multiple accounts, but account-merging availability depends on the firm’s current policies.
• FXIFY – Supports multiple funded accounts and may permit consolidation of eligible accounts subject to firm rules.
• MyFundedFX – Traders can operate multiple accounts, though risk and performance metrics remain tied to each account individually.
• Blue Guardian – Allows multiple funded accounts within maximum allocation limits, with accounts typically managed separately.

1. FTMO

Traders are able to submit a request to combine eligible FTMO Accounts. The accounts should be from the same product, in the same base currency and satisfy the merging conditions of the firm. Already Traded Accounts can qualify after the reward has been withdrawn. The combined account has a combined balance, the drawdown limits are adjusted.

The general maximum allocation per trader or strategy before scaling is $400,000 for FTMO . Program conditions apply . The combination of Swing and Standard accounts may affect the resulting account type. Merging is irreversible, so traders must make sure they are compatible before proceeding.

2. FundedNext

Traders can combine eligible funded accounts on FundedNext up to a balance of $300,000. And you can’t merge challenge phase accounts, both accounts have to be of the same challenge model. Open trades must be closed and the trading cycle must be completed. Accounts with negative balances are not eligible. Some platform combinations like cTrader and Match-Trader can not be merged.

The combined account uses the lower reward share percentage of the two original accounts. Accounts scaled-up are also subject to restrictions. Traders should check the current status before merging as the merged account may no longer be eligible for some scaling benefits.

3. Funding Pips

FundingPips allows traders to combine eligible Master Accounts, however, the accounts must follow the same trading model. For example, two 1-Step Flex Master Accounts can be combined, but different models cannot. According to the published policy, FundingPips Zero does not allow merging.

The firm’s maximum allocation is $400,000 across active Evaluation and Master Accounts, inclusive of the merged account. Merging is permanent, and the platform and rewards cycle of the merged account will follow the merged account configuration.

Traders should not assume that merging increases their profit percentage, but should check the appropriate payout schedule and risk rules, as reward-sharing options vary by cycle.

4. The5ers

The5ers has different funding programs namely High Stakes, Hyper Growth, Bootcamp and ProGrowth. Its published guidance sets out how many active accounts traders can have under each program, but this should not be confused with permission to merge accounts. For example, the High Stakes Classic program allows four active accounts in its size combinations, but other programs have different limits.

Traders are advised to check directly with support for their specific funded account to be consolidated. Check program compatibility, account allocation, drawdown requirements and if any written approval is needed for multiple accounts before making a decision.

5. Topstep

Topstep emphasizes futures trading and employs Trading Combine, Express Funded Account (XFA) and Live Funded Account stages. Traders can hold more than one Trading Combine, but standard XFA rules limit you to five funded-level accounts, unless program exceptions apply. But multiple accounts are not the same as combining the accounts under 1 account.

When Topstep moves a trader to a Live Funded Account, Topstep may consolidate any eligible XFA balances, subject to Topstep’s transfer and reserve rules. XFA payouts are usually on a 90/10 profit split and traders are required to stick to the Maximum Loss Limit and any applicable consistency requirements.

6. E8 Markets

E8 Markets allows traders to roll up two or more eligible SimFi Performance accounts before the beginning of trading, if they are for the same product. Published merging policy excludes E8 Signature and E8 Pro products and SimFi Challenge accounts cannot be merged.

Maximum allocations vary by product: E8 One and E8 Pro are limited to $500,000 per market, while E8 Zero and Signature have their own limits by number of accounts.

Traders should verify the risk parameters, profit sharing terms and drawdown rules of the resulting account for their chosen product. These conditions are to ask for the product compatibility before the merge.

7. fxify

FXIFY allows traders to use multiple accounts, but there are some limitations on account sizes and combinations. According to its published allocation guidance, eligible traders under the policy are allowed one active account for each size from $5,000 to $400,000. This is not the same as combining account balances into one account.

FXIFY’s terms state that balances generally cannot be transferred or combined between or across individual products unless an exception is made. The funding programs have profit splits of up to 90/10, and the drawdown conditions depend on the challenge you choose. Traders should obtain written confirmation before assuming separate accounts are mergeable.

8. MyFundedFX

Traders should first check the current operating brand and relevant account agreement for MyFundedFX before relying on older account-merging information. The available research was unable to confirm any reliable, current official source establishing its exact merging permissions, maximum combined capital, and eligible account combinations.

Thus, a specific account limit or merging allowance should not be presented as a fact. Traders wishing to combine funded accounts should contact the firm’s support team to confirm the eligibility of challenge accounts, whether the combined account retains the original profit split and drawdown limits, and whether funded accounts can be combined. The best is written confirmation before making any irreversible changes to the account.

9. Blue Guardian

With Blue Guardian, traders can buy several challenge accounts, but the company’s published rules limit the amount of money that can be actively allocated across funded account types to $400,000. Its guidance distinguishes between evaluation accounts and funded accounts, meaning that permission to hold more than one account does not automatically become permission to combine them.

The firm also operates a scaling program, where higher allocation may be available based on performance criteria and the relevant program rules. Traders will need to check directly whether their particular funded account types can be combined, and whether doing so will change their profit split, payout schedule, or loss limits. Review the existing rules to help you avoid exceeding your limits on allocations.

Risks and Limitations of Account Merging

Reduced Trading Flexibility: Depending on the firm’s rules for account management, merging accounts might limit your ability to manage different trading strategies, risk levels, and positions independently.

Risks of Combined Drawdowns: Drawdown limits could be modified in a merged account, so it’s important to understand how daily loss and maximum loss thresholds will work with the combined balance.

Account compatibility restrictions Some prop firms only allow the merging of accounts of the same challenge model, platform, currency or funding program which limits the combinations available.

Reduced Profit Share. Some companies might reduce the profit sharing rate from the original accounts, which might affect the percentage of rewards you get after combining.

Maximum Capital Limits: A lot of firms have maximum allocation limits, meaning traders can’t group accounts if the combined funding is over the acceptable limit, even if each account is eligible on its own to be merged.

Permanent Merging Decisions: Certain companies allow permanent account merging, which means traders can’t later split the balances or revert to their original account configurations if their trading needs evolve.

Loss of Account Benefits: Mergers may affect access to scaling plans, promotional benefits, payout cycles or specific program features depending on the firm’s policies and account circumstances.

Policy Changes and Violations . Requests may be rejected, payouts unnecessarily complicated, or accounts terminated if merging does not comply with the firm’s current terms due to outdated information or misunderstanding of the rules.

Conclusion

To summarize, the choice of the best prop firm for account merging depends on the examination of its policies, maximum capital limits, eligible account types, profit splits, and drawdown rules. Companies like FTMO, FundedNext, FundingPips, The5ers, and E8 Markets have different rules that traders need to know before merging accounts.

Consolidation can mean easier account management and access to combined trading capital, but it can also come with restrictions, less flexibility or impact on profit-sharing conditions. Therefore, traders should review official guidelines, verify current eligibility criteria and contact customer support before merging accounts to be able to make informed decisions and avoid unnecessary risks.

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