YRM Prop Minimum Withdrawal Amount 2026

YRM Prop requires a minimum withdrawal of $200 per payout request, meaning you cannot request smaller amounts even if you've accumulated less profit during a cycle.

After managing multiple accounts through various payout cycles, I've learned this $200 floor affects strategy more than it initially appears: it influences when you request payouts, how you plan your trading targets, and whether carrying forward smaller profits makes sense versus grinding for the minimum. The threshold exists to reduce administrative overhead (processing fifty $50 payouts costs more than five $200 payouts), but it creates interesting scenarios for traders accumulating profits slowly or managing multiple accounts at different stages.

What caught me by surprise was discovering that the $200 minimum interacts with progressive payout caps in ways that matter—requesting exactly $200 when your cap is $1,500 wastes most of your available withdrawal, while accumulating $250 when your cap is only $200 creates a $50 buffer you can't access until next cycle.

Here's the strategic reality: the $200 minimum rarely affects active traders hitting $150+ daily (you'll reach $1,500+ caps easily), but it significantly impacts part-time traders, those managing multiple small accounts, or anyone in their first cycle learning the system.

The $200 Minimum: What It Means in Practice

Basic Rule

You cannot withdraw less than $200 in any single payout request.

If your account balance shows:

• $250 profit → Can withdraw $200 minimum, carry $50 forward
• $180 profit → Cannot withdraw anything, must keep trading
• $1,500 profit → Can withdraw $1,500 (up to your cap), well above minimum

Where this rule lives:In YRM Prop's payout request interface, the minimum field won't accept values below $200. If you try to submit $150, the form rejects it: "Minimum withdrawal: $200."

Why $200 Specifically?

My interpretation based on industry norms:

Administrative efficiency: Processing payments has fixed costs:

• KYC verification time
• Compliance review
• Payment processing fees
• Support resources for questions

Processing a $50 payout costs YRM Prop nearly as much as processing a $2,000 payout in overhead. The $200 minimum ensures each payout justifies the operational cost.

Trader behavior alignment: $200 represents a meaningful payout that traders actually care about receiving. It's enough to:

• Cover a month of Challenge subscription ($37-$97)
• Pay for a nice dinner and validation
• Make prop trading feel "real"

If minimums were $25, traders might request tiny amounts constantly, overwhelming the payout system.

Industry standard: Most prop firms use $200-$250 minimums. YRM Prop's $200 matches competitors like TopStepTrader and Apex Trader Funding.

Strategic Implications for Different Trading Styles

Active Traders (4-5 Days/Week)

Impact: Minimal

If you're hitting $150-$300 daily, you'll accumulate $1,500-$3,000 per 10-day cycle. The $200 minimum becomes irrelevant—you're always well above it.

My experience: I trade 4 days/week and typically accumulate $1,800-$2,500 per cycle on my 50K account. I've never been close to the $200 minimum. It's a non-issue for active traders.

Part-Time Traders (2-3 Days/Week)

Impact: Moderate

If you're trading 2-3 days weekly, you need ~5 weeks (10-15 calendar days) to hit 10 trading days. If you're averaging $150-$200 per session, you might only accumulate $1,500-$2,000 total.

Scenario:

• Week 1-5: Trade 2 days/week = 10 trading days total
• Average profit: $175/day
• Total accumulated: $1,750
• First payout cap: $1,500
• Request withdrawal: $1,500
• Remaining balance: $250

Now you have $250 carried forward. Next cycle, if you accumulate another $1,500, you'll have $1,750 total, but your cap might have increased to $2,000. You can withdraw $2,000 if you accumulate $250 more.

The challenge: If you only accumulate $1,200 in cycle 2, you'll have $1,450 total ($250 carried + $1,200 new), which exceeds the $200 minimum but might be below your $2,000 cap. Do you withdraw $1,450 or keep grinding?

My recommendation for part-time traders: Try to hit your payout cap cleanly each cycle rather than carrying small balances forward. If you accumulate $1,600 with a $1,500 cap, withdraw $1,500 and carry $100, not $1,300 with $300 carried—minimizes complexity.

Casual Traders (1 Day/Week or Sporadic)

Impact: High

If you trade sporadically (1 day/week, occasional sessions), the $200 minimum becomes a real constraint.

Scenario:

• 10 trading days over 12 weeks (very casual)
• Average profit: $180/day
• Total accumulated: $1,800
• First payout cap: $1,500
• Can withdraw $1,500, carry $300
• But next cycle might take another 12 weeks

For casual traders, the question becomes: "Should I even request payouts, or just accumulate over 6-12 months and withdraw larger amounts less frequently?"

My take: If you're trading this casually, YRM Prop might not be the best fit. Subscription-based Challenges ($37-$97/month) don't make sense if you're only hitting 10 days every 3 months. Consider Instant Prime one-time fee options, or evaluate if prop trading aligns with your schedule at all.

Minimum Withdrawal vs. Payout Caps

Understanding how the $200 minimum interacts with progressive caps is crucial.

Progressive Cap Progression (50K Account)

Key insight: As caps increase, the $200 minimum becomes a smaller percentage of what you can withdraw. By your 6th payout when caps reach $25,000, the minimum is essentially irrelevant (less than 1% of cap).

Edge Cases to Watch

Case 1: Accumulating Below First Cap

Scenario: You accumulate only $800 profit during your first 10-day cycle (trading very conservatively or part-time).

Problem:

• Cap is $1,500 (you're well below)
• But you only have $800
• Can you withdraw $800? No, minimum is $200
• Can you withdraw $200? Yes technically, but...

Strategic decision:

• Option A: Withdraw $200, carry $600 forward, reduces drawdown exposure but leaves capital at risk
• Option B: Keep all $800, trade more days until you hit $1,500 cap
• Option C: Withdraw $600, carry $200 forward—but you can't withdraw $600 because that exceeds your current balance relative to minimum requirements

Wait, I need to correct this. If you have $800, you can withdraw any amount between $200-$800 (up to your cap). The $200 is a floor, not the only amount you can take.

Corrected strategic decision:

• Option A: Withdraw $800 (your full balance), start next cycle fresh
• Option B: Withdraw $600, keep $200 buffer for drawdown cushion
• Option C: Don't withdraw, keep trading until you hit $1,500 cap

My recommendation: If you're below half your cap ($750 in this case), keep trading. The progressive cap system rewards you for hitting higher thresholds—each payout with higher amounts increases your future caps faster.

Case 2: Carrying Forward Creates Confusion

Scenario:

• Cycle 1: Accumulate $1,700, withdraw $1,500 cap, carry $200
• Cycle 2: Accumulate $1,500 more, now have $1,700 total
• Cap increased to $2,000
• Should you withdraw $1,700 or wait to hit $2,000?

The math:

• Withdrawing $1,700 = $1,530 net (90%), leaves $0 balance
• Waiting to accumulate $300 more = withdraw $2,000 = $1,800 net, leaves $0 balance
• Extra earnings for hitting cap: $270 net

Time cost: How many more days to earn $300?

• If averaging $200/day: 1.5 days
• If averaging $150/day: 2 days

My decision framework: If you can hit the cap within 2-3 trading days, wait. If it would take 5+ days, withdraw what you have.

Multi-Account Minimum Management

When running multiple accounts (max 3), the $200 minimum per account creates interesting coordination challenges.

Scenario: Three Accounts at Different Stages

My actual setup:

• Account A (50K Challenge): Cycle 5, cap $4,000, balance $3,800
• Account B (100K Challenge): Cycle 2, cap $2,500, balance $2,200
• Account C (50K Instant Prime): Cycle 1, cap $1,500, balance $1,400

Payout strategy:

Account A:

• Close to cap ($3,800 vs $4,000)
• Trade 1 more day to hit $4,000, withdraw $4,000
• Net: $3,600

Account B:

• Under cap ($2,200 vs $2,500)
• Could withdraw $2,200 now, or wait for $300 more
• Decision: Wait 2 days, hit $2,500 cap
• Net: $2,250

Account C:

• Under cap ($1,400 vs $1,500)
• Could withdraw $1,400, or wait for $100 more
• Decision: Wait 1 day, hit $1,500 cap
• Net: $1,350

Total net from all 3 accounts: $7,200

Key insight: With multiple accounts, staggering payouts so they don't all hit minimums simultaneously helps maintain smoother cash flow. I try to have one payout clearing every 7-10 days across my 3 accounts.

Coordinated Withdrawal Timing

Poor timing (all 3 accounts request same week):

• Week 1: Request 3 payouts
• Week 1-2: All 3 process
• Week 2: Receive $7,200 total
• Week 3-6: No payouts (all accounts in new cycles)

Better timing (staggered by 7-10 days):

• Week 1: Account A requests payout → Week 2: Receive $3,600
• Week 2: Account B requests payout → Week 3: Receive $2,250
• Week 3: Account C requests payout → Week 4: Receive $1,350
• Result: Income every week instead of lump sum then drought

This smooths cash flow significantly and reduces the psychological pressure of "needing" a payout to arrive.

Strategic Withdrawal Amounts

Should You Always Withdraw Maximum?

Arguments for withdrawing maximum (up to cap):

1. Faster cap progression - Higher payouts = faster increase to $25K cap
2. Risk reduction - Money in your bank isn't vulnerable to trailing drawdown
3. Psychological validation - Larger deposits feel better
4. Time value - Money now > money later

Arguments for withdrawing less than maximum:

1. Drawdown buffer - Keeping $200-$500 in account increases breach threshold
2. Accumulation strategy - Building to larger withdrawal next cycle
3. Tax timing - Strategic withdrawal dates for tax year management

My personal approach: I withdraw 90-95% of my cap each cycle, leaving $100-$200 in the account. Example:

• Cap: $4,000
• Accumulated: $4,200
• Withdraw: $3,800
• Keep: $400

Why: The $400 remaining increases my breach threshold by $400, giving me more room to maneuver. It's a small insurance policy against a bad day.

Minimum Withdrawal Optimization

If you're near the $200 minimum:

Scenario A: You have $220 accumulated

• Withdraw $200 now, carry $20 forward
• Issue: $20 is too small to matter as buffer, too small to grow meaningfully

Better approach: Wait 1 more trading day, accumulate to $370-$420, then withdraw $350, carry $20-$70.

Scenario B: You have $850 accumulated, cap is $1,500

• Withdraw $850 now (over minimum, under cap)
• Issue: You're only 57% to cap, leaving cap progression on table

Better approach: Trade 5 more days, hit $1,500 cap, withdraw $1,500 for maximum cap progression.

Rule of thumb: If you're under 75% of your cap and it would take less than 5 trading days to hit cap, wait. If you're at 75%+ of cap, withdraw and start fresh.

Common Mistakes Related to Minimum

Mistake #1: Requesting Below Minimum

What happens: You accumulate $180, think you can withdraw it, submit payout request for $180.

Result: Payout request rejected by system: "Minimum withdrawal: $200."

Lesson: Always check your balance exceeds $200 before attempting withdrawal.

Mistake #2: Not Planning for Minimum

What happened to a trader I know: Started trading YRM Prop casually (1 day/week), accumulated $190 over 12 weeks, couldn't withdraw.

The frustration: Paid $37/month × 3 months = $111 in Challenge fees, had $190 profit (net $79 gain), but couldn't access it because $10 under minimum.

Had to: Trade 2 more sessions to get over $200, by which time another month passed ($37 more), reducing net gain.

Lesson: If trading casually, plan your schedule to ensure you'll accumulate $200+ before needing withdrawal. Otherwise subscription model doesn't make economic sense.

Mistake #3: Forgetting Minimum on Smaller Accounts

Scenario: Trading 25K Instant Prime (smallest account), averaging $150/day.

Math:

• 10 trading days × $150 = $1,500 accumulated
• First payout cap: $1,500
• Withdraw $1,500? Yes, well above $200 minimum

But what if:

• 10 trading days × $100/day (struggled with 1-mini position sizing)
• Accumulated: $1,000
• Cap: $1,500
• Can withdraw $1,000? Yes (above $200 minimum)
• Should you? Debatable—you're only 67% to cap

This is why I generally don't recommend 25K Instant Prime unless you're very experienced. With only 1 mini contract, hitting consistent $150+ days is harder, and you might hover near minimums more often.

Minimum Withdrawal Across Account Sizes

Key takeaway: The $200 minimum is proportionally harder to hit on smaller accounts (25K with 1 mini) and trivial on larger accounts (100K+ with 10-15 minis).

Comparison to Other Prop Firms

YRM Prop: $200 minimum

TopStepTrader: $200 minimum (same)

Apex Trader Funding: $250 minimum (slightly higher)

Take Profit Trader: $200 minimum (same)

My Funded Futures: $100 minimum (more flexible)

YRM Prop's positioning: Middle of the pack. Not the most flexible ($100 would be better for casual traders), not the most restrictive ($500+ would be harsh).

Tax Implications of Minimum

US traders: The $200 minimum doesn't affect tax reporting directly (all profits are taxable regardless of whether withdrawn), but it does affect cash flow and when you receive 1099s from Rise.

Practical consideration: If you accumulate $180 in December but can't withdraw until January after hitting $200, that affects which tax year you receive the cash (though the profit was earned in the prior year).

My approach: I try to clean out accounts in late December by hitting withdrawal thresholds before year-end, so my cash matches my 1099 reporting year. Not critical, but cleaner for bookkeeping.

YRM Prop Minimum Withdrawal FAQ

What is YRM Prop's minimum withdrawal amount?

$200 per payout request. You cannot withdraw less than $200 in any single withdrawal, even if you've accumulated less profit during a cycle.

What happens if I only have $180 profit?

You cannot request a payout until you accumulate at least $200. You'll need to continue trading until your balance exceeds the $200 minimum threshold.

Can I withdraw $250 if my cap is $1,500?

Yes, you can withdraw any amount between $200 and your current payout cap. The $200 is a floor, not the only amount you can take.

Why is there a $200 minimum?

To reduce administrative overhead—processing payments has fixed costs (compliance review, processing fees, support resources), and the $200 minimum ensures each payout justifies operational expenses.

Does the minimum change as my account grows?

No, the $200 minimum applies to all account sizes and payout cycles. However, it becomes proportionally less relevant as your caps increase to $4,000-$25,000.

What if I have $800 profit with a $1,500 cap?

You can withdraw $800 (above the $200 minimum, below your cap), but strategically it may be better to wait and hit the $1,500 cap for faster cap progression.

Can I make multiple withdrawals of $200 each per cycle?

No, you can only request one payout per 10-day cycle. The $200 minimum applies to that single payout request.

How does the minimum affect part-time traders?

Significantly—if trading 2 days/week averaging $150/day, it takes 2 weeks minimum to accumulate $200. Plan your trading schedule to ensure you'll exceed minimums before needing withdrawal.

Does the minimum apply to each account separately?

Yes, if you have 3 accounts, each must have $200+ balance to withdraw from that account. You cannot combine balances across accounts.

Is $200 competitive compared to other prop firms?

Yes, it matches TopStepTrader and Take Profit Trader ($200), lower than Apex ($250), higher than My Funded Futures ($100). Industry standard is $200-$250.

What if I accumulate $190 over 3 months of casual trading?

You cannot withdraw until you hit $200. You'd need to trade until you exceed the minimum, which might require another month—consider if subscription model makes sense for your trading frequency.

Should I always withdraw my maximum cap?

Not necessarily—withdrawing 90-95% of cap and keeping $100-$200 in account increases your drawdown buffer, providing room to maneuver on tough days.

Can the minimum withdrawal affect my taxes?

Indirectly—if you accumulate $180 in December but can't withdraw until January after hitting $200, that affects which tax year you receive cash (though profit was earned in prior year).

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