Refunds are permitted within 30 days of purchase if you haven't started a challenge.

Payouts are processed every week.

No trading news events or unconventional strategies are allowed.

Jurisdiction Restrictions

Accounts cannot be opened for residents in certain countries, including the USA and North Korea.

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All Forex prop firms

Forex prop firm

FXIFY Review

4.1across 6,321 reviews

Max profit split: 90%
Challenges from: $19
Largest account: $400K
Payouts: bi-weekly
First payout: on-demand

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FXIFY discount code — full terms & discounted prices

How FXIFY compares

Strengths

Challenges start from $19 — cheaper than the typical entry among the 19 forex firms we track.
Up to a 90% profit split — higher than the 80% median among the 19 forex firms we track.
A 4% daily loss limit gives more intraday room than the 3% typical of the 19 forex firms we track.
Overall drawdown is capped at 8%, more room than the 6% median among the 19 forex firms we track.

Trade-offs

Rated 4.1/5 across public trader reviews, below the 4.4 median among the 19 forex firms we track.

FXIFY suits traders who value a lower entry price, a higher profit split, more daily-loss headroom, more overall drawdown room and larger funded accounts.

Ratings

Review score

4.3/ 5

Community rating

3.9/ 5

122 reviews

Ratings aggregated from public trader review scores, verified 2026-08.

About FXIFY

FXIFY is a proprietary trading firm that offers funded trader programs with initial capital ranging from $5,000 to $400,000. The firm supports trading on platforms such as MT4 and MT5, and allows trading in various assets including stocks, forex, and commodities.

Founded

2023

Max profit split

90%

Starting price

$19

Largest account

$400K

Payout frequency

bi-weekly

First payout

on-demand

Profit target

Max drawdown

Platforms

MT4MT5DXTrade

Markets

ForexMetalsIndicesCommoditiesCryptoStocks

Challenges & pricing

FXIFY's cheapest plan is a $2,500 instant-funding account at $19; the largest funded account is $400,000 (from $1,599). In total FXIFY lists 55 plan configurations across 8 account models, with profit splits up to 90%.

FXIFY's Instant Standard runs from a $1,000 instant-funding account at $69 up to $100,000 at $4,249, with a max loss of 8%, a daily loss limit of 8% and a profit split of 80%.

$1K

Instant

Account size

Fee

$69

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

$2.5K

Instant

Account size

Fee

$119

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

$5K

Instant

Account size

Fee

$229

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

$10K

Instant

Account size

Fee

$449

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

$25K

Instant

Account size

Fee

$899

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

$50K

Instant

Account size

Fee

$1,749

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

Best value

$75K

Instant

Account size

Fee

$2,499

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

$100K

Instant

Account size

Fee

$4,249

Profit target: None
Max loss: 8%
Daily loss: 8%
Profit split: Up to 90%

Swipe for more

About the Instant Standard program

Rules that apply to every account size above.

In detail
Max loss	8% trailing (locks at initial balance once 8% profit is reached or a payout is processed)
Evaluation
Min trading days	None (N/A)
Funded account
Funded drawdown	8% trailing
Consistency rule	25% consistency rule · No single trading day’s profit should exceed 25% of your total profit for the payout period
Consistency rule (funded)	None
Max allocation	One active Standard Instant Funded account traded at a time; no scaling with the Instant Funded Program
Payouts
Payout frequency	Every 14 days after the first payout
First payout	14 days
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Trading rules
Weekend holding	Not allowed
Copy trading	Not allowed
Expert advisors	Not allowed
Other restrictions	Allowed · EAs or bots require approval before usage
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT5, DXTrade, TradingView

FXIFY's Instant Lite runs from a $2,500 instant-funding account at $19 up to $100,000 at $399, with no profit target, a max loss of 4% or 4% trailing, a daily loss limit of 3% and profit splits up to 90%.

$2.5K

Instant

Account size

Fee

$19

Profit target: 5%
Max loss: 4%
Daily loss: 3%
Profit split: 80%

$5K

Instant

Account size

Fee

$44

Profit target: 5%
Max loss: 4%
Daily loss: 3%
Profit split: 80%

$10K

Instant

Account size

Fee

$89

Profit target: 5%
Max loss: 4%
Daily loss: 3%
Profit split: 80%

$25K

Instant

Account size

Fee

$169

Profit target: 5%
Max loss: 4%
Daily loss: 3%
Profit split: 80%

$50K

Instant

Account size

Fee

$289

Profit target: 5%
Max loss: 4%
Daily loss: 3%
Profit split: 80%

Best value

$100K

Instant

Account size

Fee

$399

Profit target: None
Max loss: 4% trailing
Daily loss: 3%
Profit split: 90%

Swipe for more

About the Instant Lite program

Rules that apply to every account size above.

Evaluation
Min trading days	5 trading days
Funded account
Funded drawdown	4% trailing
Consistency rule	25% consistency rule · No single trading day’s profit should exceed 25% of your total profit for the payout period
Consistency rule (funded)	20%
Max allocation	No scaling with the Instant Funded Program (the one-active-account rule is stated for Standard Instant accounts)
Payouts
Payout frequency	Every 10 days
First payout	Day 10
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Min days to payout	10
Trading rules
Weekend holding	Not allowed
Copy trading	Not allowed
Expert advisors	Not allowed
Other restrictions	Allowed · EAs or bots require approval before usage
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT5, DXTrade, TradingView

FXIFY's Three Phase runs from a $5,000 3-step account at $39 up to $400,000 at $1,599, with a profit target of 15%, a max loss of 5%, a daily loss limit of 5% and a profit split of 80%.

$5K

3-step

Account size

Fee

$39

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

$10K

3-step

Account size

Fee

$59

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

$15K

3-step

Account size

Fee

$79

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

$25K

3-step

Account size

Fee

$149

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

$50K

3-step

Account size

Fee

$249

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

Best value

$100K

3-step

Account size

Fee

$399

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

$200K

3-step

Account size

Fee

$799

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

$400K

3-step

Account size

Fee

$1,599

Profit target: 5% / 5% / 5%
Max loss: 5% static
Daily loss: 5%
Profit split: Up to 90%

Swipe for more

About the Three Phase program

Rules that apply to every account size above.

Evaluation
Min trading days	5 days
Funded account
Funded drawdown	5% static
Consistency rule	None
Consistency rule (funded)	None
Max allocation	One active account of each size at a time (1 x $5K … 1 x $400K); Scaling Plan grows an account +25% after the first 3 months, then doubles every 3 months, up to 4 scale-ups
Payouts
Payout frequency	Every 30 days; optional 14-day add-on
First payout	On-demand after the first profitable funded trade
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Refund policy	Fee reimbursed with first payout on request
Trading rules
Weekend holding	Allowed
Overnight holding	Allowed
Expert advisors	Allowed
Other restrictions	Allowed · EAs or bots require approval before usage
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT4, MT5, DXTrade, TradingView

FXIFY's One Phase runs from a $5,000 1-step account at $59 up to $400,000 at $2,950, with a profit target of 10%, a max loss of 6%, a daily loss limit of 3% and a profit split of 80%.

$5K

1-step

Account size

Fee

$59

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

$10K

1-step

Account size

Fee

$89

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

$15K

1-step

Account size

Fee

$119

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

$25K

1-step

Account size

Fee

$199

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

$50K

1-step

Account size

Fee

$379

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

$100K

1-step

Account size

Fee

$549

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

Best value

$200K

1-step

Account size

Fee

$1,049

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

$400K

1-step

Account size

Fee

$2,950

Profit target: 10%
Max loss: 6% trailing
Daily loss: 3%
Profit split: Up to 90%

Swipe for more

About the One Phase program

Rules that apply to every account size above.

Evaluation
Min trading days	5 days
Funded account
Funded drawdown	6% trailing
Consistency rule	None
Consistency rule (funded)	None
Max allocation	One active account of each size at a time (1 x $5K … 1 x $400K); Scaling Plan grows an account +25% after the first 3 months, then doubles every 3 months, up to 4 scale-ups
Payouts
Payout frequency	Every 30 days; optional 14-day add-on
First payout	On-demand after the first profitable funded trade
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Refund policy	Fee reimbursed with first payout on request
Trading rules
Weekend holding	Allowed
Overnight holding	Allowed
Expert advisors	Allowed
Other restrictions	Allowed · EAs or bots require approval before usage
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT4, MT5, DXTrade, TradingView

FXIFY's Two Phase (Standard) runs from a $5,000 2-step account at $59 up to $400,000 at $2,950, with a profit target of 15%, a max loss of 10%, a daily loss limit of 4% and a profit split of 80%.

$5K

2-step

Account size

Fee

$59

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

$10K

2-step

Account size

Fee

$89

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

$15K

2-step

Account size

Fee

$119

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

$25K

2-step

Account size

Fee

$199

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

$50K

2-step

Account size

Fee

$379

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

$100K

2-step

Account size

Fee

$549

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

Best value

$200K

2-step

Account size

Fee

$1,049

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

$400K

2-step

Account size

Fee

$2,950

Profit target: 10% / 5%
Max loss: 10% trailing
Daily loss: 4%
Profit split: Up to 90%

Swipe for more

About the Two Phase (Standard) program

Rules that apply to every account size above.

Evaluation
Min trading days	4 days
Funded account
Funded drawdown	10% trailing
Consistency rule	None
Consistency rule (funded)	None
Max allocation	One active account of each size at a time (1 x $5K … 1 x $400K); Scaling Plan grows an account +25% after the first 3 months, then doubles every 3 months, up to 4 scale-ups
Payouts
Payout frequency	Every 30 days; optional 14-day add-on
First payout	On-demand after the first profitable funded trade
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Refund policy	Fee reimbursed with first payout on request
Trading rules
Weekend holding	Allowed
Overnight holding	Allowed
Expert advisors	Allowed
Other restrictions	Allowed · EAs or bots require approval before usage
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT4, MT5, DXTrade, TradingView

FXIFY's Two Phase (Classic) runs from a $5,000 2-step account at $59 up to $100,000 at $549, with a profit target of 15%, a max loss of 10%, a daily loss limit of 4% and a profit split of 80%.

$5K

2-step

Account size

Fee

$59

Profit target: 5% / 10%
Max loss: 10% static
Daily loss: 4%
Profit split: 80% or 100% by payout option

$10K

2-step

Account size

Fee

$89

Profit target: 5% / 10%
Max loss: 10% static
Daily loss: 4%
Profit split: 80% or 100% by payout option

$15K

2-step

Account size

Fee

$119

Profit target: 5% / 10%
Max loss: 10% static
Daily loss: 4%
Profit split: 80% or 100% by payout option

$25K

2-step

Account size

Fee

$199

Profit target: 5% / 10%
Max loss: 10% static
Daily loss: 4%
Profit split: 80% or 100% by payout option

$50K

2-step

Account size

Fee

$379

Profit target: 5% / 10%
Max loss: 10% static
Daily loss: 4%
Profit split: 80% or 100% by payout option

Best value

$100K

2-step

Account size

Fee

$549

Profit target: 5% / 10%
Max loss: 10% static
Daily loss: 4%
Profit split: 80% or 100% by payout option

Swipe for more

About the Two Phase (Classic) program

Rules that apply to every account size above.

Evaluation
Min trading days	4 days
Funded account
Funded drawdown	10% static
Consistency rule	25% consistency rule · No single trading day’s profit should exceed 25% of your total profit for the payout period
Consistency rule (funded)	25%
Max allocation	One active account of each size at a time (1 x $5K … 1 x $400K); Scaling Plan grows an account +25% after the first 3 months, then doubles every 3 months, up to 4 scale-ups
Payouts
Payout frequency	Every 14 days at 80% split, or every 30 days at 100%
First payout	on-demand
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Refund policy	Fee reimbursed with first payout on request
Trading rules
Weekend holding	Allowed
Overnight holding	Allowed
Expert advisors	Allowed
Other restrictions	Allowed · EAs or bots require approval before usage
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT4, MT5, DXTrade, TradingView

FXIFY's Lightning Challenge runs from a $10,000 1-step account at $59 up to $100,000 at $399, with a profit target of 5%, a max loss of 4%, a daily loss limit of 3% and a profit split of 80%.

$10K

1-step

Account size

Fee

$59

Profit target: 5%
Max loss: 4% trailing
Daily loss: 3%
Profit split: Up to 90%

$25K

1-step

Account size

Fee

$149

Profit target: 5%
Max loss: 4% trailing
Daily loss: 3%
Profit split: Up to 90%

$50K

1-step

Account size

Fee

$249

Profit target: 5%
Max loss: 4% trailing
Daily loss: 3%
Profit split: Up to 90%

Best value

$100K

1-step

Account size

Fee

$399

Profit target: 5%
Max loss: 4% trailing
Daily loss: 3%
Profit split: Up to 90%

Swipe for more

About the Lightning Challenge program

Rules that apply to every account size above.

Evaluation
Min trading days	4 days
Funded account
Funded drawdown	4% trailing
Consistency rule	30%
Consistency rule (funded)	30%
Max allocation	One active account of each size at a time (1 x $5K … 1 x $400K); Scaling Plan grows an account +25% after the first 3 months, then doubles every 3 months, up to 4 scale-ups
Payouts
Payout frequency	First after 7 days, then bi-weekly
First payout	on-demand
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Trading rules
Expert advisors	Allowed
Other restrictions	Mandatory stop-loss; news blackout; MT5 only
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT5

FXIFY's Two Phase Pro runs from a $10,000 2-step account at $129 up to $250,000 at $1,350, with a profit target of 12%, a max loss of 8%, a daily loss limit of 4% and a profit split of 80%.

$10K

2-step

Account size

Fee

$129

Profit target: 4% / 8%
Max loss: 8% static
Daily loss: 4%
Profit split: Up to 90%

$25K

2-step

Account size

Fee

$225

Profit target: 4% / 8%
Max loss: 8% static
Daily loss: 4%
Profit split: Up to 90%

$50K

2-step

Account size

Fee

$375

Profit target: 4% / 8%
Max loss: 8% static
Daily loss: 4%
Profit split: Up to 90%

$100K

2-step

Account size

Fee

$599

Profit target: 4% / 8%
Max loss: 8% static
Daily loss: 4%
Profit split: Up to 90%

$150K

2-step

Account size

Fee

$849

Profit target: 4% / 8%
Max loss: 8% static
Daily loss: 4%
Profit split: Up to 90%

$200K

2-step

Account size

Fee

$1,099

Profit target: 4% / 8%
Max loss: 8% static
Daily loss: 4%
Profit split: Up to 90%

Best value

$250K

2-step

Account size

Fee

$1,350

Profit target: 4% / 8%
Max loss: 8% static
Daily loss: 4%
Profit split: Up to 90%

Swipe for more

About the Two Phase Pro program

Rules that apply to every account size above.

Evaluation
Min trading days	4 days
Funded account
Funded drawdown	8% static
Consistency rule	None
Consistency rule (funded)	None
Max allocation	One active account of each size at a time (1 x $5K … 1 x $400K); Scaling Plan grows an account +25% after the first 3 months, then doubles every 3 months, up to 4 scale-ups
Payouts
Payout frequency	Every 10 days
First payout	on-demand
Processing time	Within 3 business days · 1 phase, 2 phase trailing: every 30 days or every 14 days with add-on; Instant funding: every 14 days; Lightning: every 14 days
Min days to payout	10
Refund policy	Fee reimbursed with first payout on request
Trading rules
Weekend holding	Allowed
Overnight holding	Allowed
Expert advisors	Allowed
Other restrictions	$4,000 funded daily-profit cap
Commission / lot	All-in: no commissions on FX, Metals, Crypto, Indices · RAW: FX -$6/lot, Metals – $6/lot, Stocks – 0.35% Round Trip ( RT)
Access
Platforms	MT4, MT5, DXTrade, TradingView

FXIFY FAQs

Answers sourced from FXIFY’s own help center.

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How FXIFY compares

Strengths

Trade-offs

Ratings

About FXIFY

Platforms

Markets

Challenges & pricing

$1K

$2.5K

$5K

$10K

$25K

$50K

$75K

$100K

About the Instant Standard program

$2.5K

$5K

$10K

$25K

$50K

$100K

About the Instant Lite program

$5K

$10K

$15K

$25K

$50K

$100K

$200K

$400K

About the Three Phase program

$5K

$10K

$15K

$25K

$50K

$100K

$200K

$400K

About the One Phase program

$5K

$10K

$15K

$25K

$50K

$100K

$200K

$400K

About the Two Phase (Standard) program

$5K

$10K

$15K

$25K

$50K

$100K

About the Two Phase (Classic) program

$10K

$25K

$50K

$100K

About the Lightning Challenge program

$10K

$25K

$50K

$100K

$150K

$200K

$250K

About the Two Phase Pro program

FXIFY FAQs

Refund Policy

Payout Policy

Trading Restrictions

Jurisdiction Restrictions

Trader reviews

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