Forex prop firm
ThinkCapital Review
ThinkMarkets-backed prop firm on ThinkTrader: 1-, 2- and 3-step challenges or Bolt instant funding, $2.5K to $100K
- Max profit split
- 80%
- Challenges from
- $39
- Largest account
- $100K
- Payouts
- Every 14 days; faster with an add-on
- First payout
- 14 days + 3 profitable days; Bolt: 6% profit
How ThinkCapital compares
Strengths
- Overall drawdown is capped at 8%, more room than the 6% median among the 21 forex firms we track.
Trade-offs
- Entry starts at $39 — above the typical starting price among the 21 forex firms we track.
- The largest account is $100K, below the typical ceiling among the 21 forex firms we track.
- Rated 4.0/5 across public trader reviews, below the 4.4 median among the 21 forex firms we track.
ThinkCapital suits traders who value more overall drawdown room; the trade-off is a higher entry price.
Ratings
Ratings aggregated from public trader review scores, verified 2026-10.
About ThinkCapital
ThinkCapital is the prop firm backed by the broker ThinkMarkets, run by TFG (Payments) Limited in London. It sells 26 one-time-fee accounts across four programs: Lightning (one step), Dual Step in Intraday and Swing versions (two steps), Nexus (three steps) and Bolt instant funding with no evaluation, from $2,500 to $100,000. Trading runs on ThinkTrader, with orders also placed from TradingView charts. Funded accounts pay 80% every 14 days, or 90% with an add-on or after scaling; a trader can hold up to $600,000 in funded accounts and scale to $1.5 million. Payouts go out in crypto, through Rise or to a ThinkMarkets live account.
Platforms
Markets
Challenges & pricing
ThinkCapital's cheapest plan is a $2,500 instant-funding account at $39; the largest funded account is $100,000 (from $349). In total ThinkCapital lists 26 plan configurations across 5 account models, with profit splits up to 80%.
ThinkCapital's Lightning runs from a $5,000 1-step account at $59 up to $100,000 at $499, with a profit split of 80%.
About the Lightning program
Rules that apply to every account size above.
| In detail | |
|---|---|
| Profit split | 80% (90% with the Profit Split 90% add-on at +25% of the price, or through scaling) |
| Evaluation | |
| Min trading days | 3 trading days; no maximum |
| Funded account | |
| Funded drawdown | 3% daily and the same 6% trailing floor, locking at the starting balance |
| Consistency rule | None |
| Consistency rule (funded) | None |
| Max allocation | $600,000 in funded accounts per trader across all programs, Bolt included; scaling up to $1.5M overall (the program pages say $1M) |
| Scaling plan | +20% of the starting balance per 3-month review with 10% profit and 4 successful payouts; request it by email. Up to $1.5M overall. |
| Payouts | |
| Payout frequency | Every 14 days from the first funded trade (weekly with the +25% add-on), with 3 profitable days in each cycle |
| First payout | 14 days, 3 profitable days, $100 minimum |
| Processing time | Processed within 3 business days, then 24–48 hours to arrive (bank transfers up to 5 business days) |
| Min days to payout | 3 profitable days per payout cycle: each closes 0.5%+ up on the day's opening balance while above the starting balance |
| Max payout | No maximum; $100 minimum |
| Refund policy | Refundable within 14 days of purchase if the account has not been traded. Otherwise the fee is refunded with the 3rd payout, on the challenges and on Bolt. A $20 admin fee may be withheld from any refund. |
| Trading rules | |
| Weekend holding | Allowed in the challenge and funded stages |
| Overnight holding | Allowed on every account |
| Hedging | Allowed within one account. Hedging or opposite positions across accounts, or with other users, is prohibited. |
| Copy trading | Only between your own ThinkCapital accounts, with ThinkCapital as the master account. Copying other prop or personal accounts, other traders or signal services is prohibited. |
| Expert advisors | Allowed with written approval from the risk team (email support first), for ThinkTrader-compatible tools only: risk or trade managers and bots. ThinkTrader has no MT5-style EAs. |
| Other restrictions | Prohibited: copying other traders, signal services or account management (copiers only between your own ThinkCapital accounts), grid or reverse trading, hedging or opposite positions across accounts or with other users, latency arbitrage, HFT, delayed or external data feeds, gap trading within 15 minutes of a market closing or reopening around scheduled events, and gambling-style risk (sustained 60–70%+ margin use, martingale, all-in trades, account rolling, bursts of sub-60-second scalps). VPN and VPS access is not allowed except ForexVPS. 30 days without a trade breaches the account. |
| Commission / lot | Commission-free on every asset on ThinkTrader; spreads only. Overnight swaps at ThinkMarkets' published rates. |
| Access | |
| Platforms | ThinkTrader, TradingView |
| Payout methods | Crypto (USDT TRC-20 / ERC-20), Rise ($50 monthly fee), ThinkMarkets live account (not US) |
ThinkCapital's Dual Step Intraday runs from a $5,000 2-step account at $59 up to $100,000 at $499, with a profit split of 80%.
About the Dual Step Intraday program
Rules that apply to every account size above.
| In detail | |
|---|---|
| Profit split | 80% (90% with the Profit Split 90% add-on at +25% of the price, or through scaling) |
| Evaluation | |
| Min trading days | 3 trading days per phase; no maximum |
| Funded account | |
| Funded drawdown | 4% daily and 8% static from the starting balance |
| Consistency rule | None |
| Consistency rule (funded) | None |
| Max allocation | $600,000 in funded accounts per trader across all programs, Bolt included; scaling up to $1.5M overall (the program pages say $1M) |
| Scaling plan | +20% of the starting balance per 3-month review with 10% profit and 4 successful payouts; request it by email. Up to $1.5M overall. |
| Payouts | |
| Payout frequency | Every 14 days from the first funded trade (weekly with the +25% add-on), with 3 profitable days in each cycle |
| First payout | 14 days, 3 profitable days, $100 minimum |
| Processing time | Processed within 3 business days, then 24–48 hours to arrive (bank transfers up to 5 business days) |
| Min days to payout | 3 profitable days per payout cycle: each closes 0.5%+ up on the day's opening balance while above the starting balance |
| Max payout | No maximum; $100 minimum |
| Refund policy | Refundable within 14 days of purchase if the account has not been traded. Otherwise the fee is refunded with the 3rd payout, on the challenges and on Bolt. A $20 admin fee may be withheld from any refund. |
| Trading rules | |
| Weekend holding | Not allowed. Funded accounts must be flat before Friday 21:00 UTC or it is a hard breach; in the challenge a weekend hold is not a breach. |
| Overnight holding | Allowed on every account |
| Hedging | Allowed within one account. Hedging or opposite positions across accounts, or with other users, is prohibited. |
| Copy trading | Only between your own ThinkCapital accounts, with ThinkCapital as the master account. Copying other prop or personal accounts, other traders or signal services is prohibited. |
| Expert advisors | Allowed with written approval from the risk team (email support first), for ThinkTrader-compatible tools only: risk or trade managers and bots. ThinkTrader has no MT5-style EAs. |
| Other restrictions | Prohibited: copying other traders, signal services or account management (copiers only between your own ThinkCapital accounts), grid or reverse trading, hedging or opposite positions across accounts or with other users, latency arbitrage, HFT, delayed or external data feeds, gap trading within 15 minutes of a market closing or reopening around scheduled events, and gambling-style risk (sustained 60–70%+ margin use, martingale, all-in trades, account rolling, bursts of sub-60-second scalps). VPN and VPS access is not allowed except ForexVPS. 30 days without a trade breaches the account. |
| Commission / lot | Commission-free on every asset on ThinkTrader; spreads only. Overnight swaps at ThinkMarkets' published rates. |
| Access | |
| Platforms | ThinkTrader, TradingView |
| Payout methods | Crypto (USDT TRC-20 / ERC-20), Rise ($50 monthly fee), ThinkMarkets live account (not US) |
ThinkCapital's Dual Step Swing runs from a $5,000 2-step account at $82 up to $100,000 at $698, with a profit split of 80%.
About the Dual Step Swing program
Rules that apply to every account size above.
| In detail | |
|---|---|
| Profit split | 80% (90% with the Profit Split 90% add-on at +25% of the price, or through scaling) |
| Evaluation | |
| Min trading days | 3 trading days per phase; no maximum |
| Funded account | |
| Funded drawdown | 4% daily and 8% static from the starting balance |
| Consistency rule | None |
| Consistency rule (funded) | None |
| Max allocation | $600,000 in funded accounts per trader across all programs, Bolt included; scaling up to $1.5M overall (the program pages say $1M) |
| Scaling plan | +20% of the starting balance per 3-month review with 10% profit and 4 successful payouts; request it by email. Up to $1.5M overall. |
| Payouts | |
| Payout frequency | Every 14 days from the first funded trade (weekly with the +25% add-on), with 3 profitable days in each cycle |
| First payout | 14 days, 3 profitable days, $100 minimum |
| Processing time | Processed within 3 business days, then 24–48 hours to arrive (bank transfers up to 5 business days) |
| Min days to payout | 3 profitable days per payout cycle: each closes 0.5%+ up on the day's opening balance while above the starting balance |
| Max payout | No maximum; $100 minimum |
| Refund policy | Refundable within 14 days of purchase if the account has not been traded. Otherwise the fee is refunded with the 3rd payout, on the challenges and on Bolt. A $20 admin fee may be withheld from any refund. |
| Trading rules | |
| Weekend holding | Allowed in the challenge and funded stages |
| Overnight holding | Allowed on every account |
| Hedging | Allowed within one account. Hedging or opposite positions across accounts, or with other users, is prohibited. |
| Copy trading | Only between your own ThinkCapital accounts, with ThinkCapital as the master account. Copying other prop or personal accounts, other traders or signal services is prohibited. |
| Expert advisors | Allowed with written approval from the risk team (email support first), for ThinkTrader-compatible tools only: risk or trade managers and bots. ThinkTrader has no MT5-style EAs. |
| Other restrictions | Prohibited: copying other traders, signal services or account management (copiers only between your own ThinkCapital accounts), grid or reverse trading, hedging or opposite positions across accounts or with other users, latency arbitrage, HFT, delayed or external data feeds, gap trading within 15 minutes of a market closing or reopening around scheduled events, and gambling-style risk (sustained 60–70%+ margin use, martingale, all-in trades, account rolling, bursts of sub-60-second scalps). VPN and VPS access is not allowed except ForexVPS. 30 days without a trade breaches the account. |
| Commission / lot | Commission-free on every asset on ThinkTrader; spreads only. Overnight swaps at ThinkMarkets' published rates. |
| Access | |
| Platforms | ThinkTrader, TradingView |
| Payout methods | Crypto (USDT TRC-20 / ERC-20), Rise ($50 monthly fee), ThinkMarkets live account (not US) |
ThinkCapital's Nexus runs from a $5,000 3-step account at $39 up to $100,000 at $349, with a profit split of 80%.
About the Nexus program
Rules that apply to every account size above.
| In detail | |
|---|---|
| Profit split | 80% (90% with the Profit Split 90% add-on at +25% of the price, or through scaling) |
| Evaluation | |
| Min trading days | 3 trading days per phase; no maximum |
| Funded account | |
| Funded drawdown | 4% daily and the same 8% static floor |
| Consistency rule | None |
| Consistency rule (funded) | None |
| Max allocation | $600,000 in funded accounts per trader across all programs, Bolt included; scaling up to $1.5M overall (the program pages say $1M) |
| Scaling plan | +20% of the starting balance per 3-month review with 10% profit and 4 successful payouts; request it by email. Up to $1.5M overall. |
| Payouts | |
| Payout frequency | Every 14 days from the first funded trade (weekly with the +25% add-on), with 3 profitable days in each cycle |
| First payout | 14 days, 3 profitable days, $100 minimum |
| Processing time | Processed within 3 business days, then 24–48 hours to arrive (bank transfers up to 5 business days) |
| Min days to payout | 3 profitable days per payout cycle: each closes 0.5%+ up on the day's opening balance while above the starting balance |
| Max payout | No maximum; $100 minimum |
| Refund policy | Refundable within 14 days of purchase if the account has not been traded. Otherwise the fee is refunded with the 3rd payout, on the challenges and on Bolt. A $20 admin fee may be withheld from any refund. |
| Trading rules | |
| Weekend holding | Allowed in every phase and funded |
| Overnight holding | Allowed on every account |
| Hedging | Allowed within one account. Hedging or opposite positions across accounts, or with other users, is prohibited. |
| Copy trading | Only between your own ThinkCapital accounts, with ThinkCapital as the master account. Copying other prop or personal accounts, other traders or signal services is prohibited. |
| Expert advisors | Allowed with written approval from the risk team (email support first), for ThinkTrader-compatible tools only: risk or trade managers and bots. ThinkTrader has no MT5-style EAs. |
| Other restrictions | Prohibited: copying other traders, signal services or account management (copiers only between your own ThinkCapital accounts), grid or reverse trading, hedging or opposite positions across accounts or with other users, latency arbitrage, HFT, delayed or external data feeds, gap trading within 15 minutes of a market closing or reopening around scheduled events, and gambling-style risk (sustained 60–70%+ margin use, martingale, all-in trades, account rolling, bursts of sub-60-second scalps). VPN and VPS access is not allowed except ForexVPS. 30 days without a trade breaches the account. |
| Commission / lot | Commission-free on every asset on ThinkTrader; spreads only. Overnight swaps at ThinkMarkets' published rates. |
| Access | |
| Platforms | ThinkTrader, TradingView |
| Payout methods | Crypto (USDT TRC-20 / ERC-20), Rise ($50 monthly fee), ThinkMarkets live account (not US) |
ThinkCapital's Bolt runs from a $2,500 instant-funding account at $39 up to $100,000 at $899, with no profit target and a profit split of 80%.
About the Bolt program
Rules that apply to every account size above.
| In detail | |
|---|---|
| Profit target | None — funded from day one. 6% closed profit is needed before the first payout only |
| Profit split | 80% (90% with the Profit Split 90% add-on at +25% of the price, or through scaling) |
| Evaluation | |
| Min trading days | None |
| Funded account | |
| Funded drawdown | 3% daily and the same 6% trailing equity floor, locking at the starting balance |
| Consistency rule | 20% — best day must be 20% or less of total closed profit at each payout request |
| Consistency rule (funded) | 20% best-day cap before every payout; not a breach |
| Max allocation | One Bolt per size, so $192,500 at most, inside the $600,000 funded cap across all programs; scaling up to $500,000 |
| Scaling plan | +20% of the starting balance per 3-month review with 10% profit and 4 payouts on that account, up to $500,000 across Bolt accounts (the Bolt page says +25% after four payouts in two months). |
| Payouts | |
| Payout frequency | Every 14 days from the first trade, or on demand with the +25% add-on; best day within 20% |
| First payout | 14 days and 6% profit, $100 minimum |
| Processing time | Processed within 3 business days, then 24–48 hours to arrive (bank transfers up to 5 business days) |
| Min days to payout | None; 14 days from the first trade unless On-Demand Payouts is added |
| Max payout | No maximum; $100 minimum |
| Refund policy | Refundable within 14 days of purchase if the account has not been traded. Otherwise the fee is refunded with the 3rd payout, on the challenges and on Bolt. A $20 admin fee may be withheld from any refund. |
| Trading rules | |
| Weekend holding | Only with the Weekend Holding add-on (+15%); otherwise close everything before Friday 21:00 UTC or the account breaches |
| Overnight holding | Allowed on every account |
| Hedging | Allowed within one account. Hedging or opposite positions across accounts, or with other users, is prohibited. |
| Copy trading | Only between your own ThinkCapital accounts, with ThinkCapital as the master account. Copying other prop or personal accounts, other traders or signal services is prohibited. |
| Expert advisors | Allowed with written approval from the risk team (email support first), for ThinkTrader-compatible tools only: risk or trade managers and bots. ThinkTrader has no MT5-style EAs. |
| Other restrictions | Prohibited: copying other traders, signal services or account management (copiers only between your own ThinkCapital accounts), grid or reverse trading, hedging or opposite positions across accounts or with other users, latency arbitrage, HFT, delayed or external data feeds, gap trading within 15 minutes of a market closing or reopening around scheduled events, and gambling-style risk (sustained 60–70%+ margin use, martingale, all-in trades, account rolling, bursts of sub-60-second scalps). VPN and VPS access is not allowed except ForexVPS. 30 days without a trade breaches the account. |
| Commission / lot | Commission-free on every asset on ThinkTrader; spreads only. Overnight swaps at ThinkMarkets' published rates. |
| Access | |
| Platforms | ThinkTrader, TradingView |
| Payout methods | Crypto (USDT TRC-20 / ERC-20), Rise ($50 monthly fee), ThinkMarkets live account (not US) |
ThinkCapital FAQs
Answers sourced from ThinkCapital’s own help center.
Four programs, all for a one-time fee. Lightning is a one-step challenge from $59 for $5K to $499 for $100K. Dual Step is a two-step challenge sold in two versions: Intraday ($59 to $499) and Swing ($82 to $698), which allows news trading and weekend holds. Nexus is a three-step challenge and the cheapest way in, from $39 for $5K to $349 for $100K. Bolt is instant funding with no evaluation, from $39 for $2,500 to $899 for $100,000.
Lightning needs 10% in one phase, with a 3% daily loss limit and a 6% trailing max loss. Dual Step needs 9% and then 5%, with a 4% daily limit and a 7% static max loss that widens to 8% once funded. Nexus needs 7%, 6% and then 5%, with 4% daily and 8% static. Bolt has no target, a 3% daily limit and a 6% trailing max loss on equity. The trailing limits on Lightning and Bolt stop moving once they reach your starting balance, which happens when you are 6% up. Targets only count with every trade closed, and there are no time limits.
Every program resets the daily limit at 5 PM New York time. The dollar amount is fixed at a share of your starting balance; the floor for the next day is that amount below where you closed the day. On Lightning, Dual Step Swing and Nexus the floor is set from your closing balance. On Dual Step Intraday and Bolt it is set from your closing equity, so open trades at 5 PM move it. On every program, floating losses count in real time and can breach the account before a trade is closed.
Only on Bolt. Before each Bolt payout, your best single day must be 20% or less of your total closed profit. If it is higher, you keep trading until it dilutes; it is not a breach. Lightning, Dual Step and Nexus have no consistency rule.
Dual Step Swing allows both by default. On Lightning and Nexus you cannot open, close or have orders fill from 2 minutes before to 2 minutes after red-folder news on any pair, unless you buy the News Trading add-on; weekend holding is allowed. Dual Step Intraday bans news trading and weekend holds, and a funded Intraday account must be flat before 21:00 UTC on Friday. Bolt bans trading 5 minutes either side of red-folder news with no add-on, and requires you to close before Friday 21:00 UTC unless you buy the Weekend Holding add-on.
On Lightning, Dual Step and Nexus, payouts run every 14 days from your first funded trade, or weekly with an add-on. Each cycle needs 3 profitable days, each closing at least 0.5% up while the account is above its starting balance. Bolt has no profitable-days rule, but the first payout needs 6% closed profit and the 20% best-day cap; after that there is no target. Bolt pays every 14 days, or on demand with an add-on. The minimum payout is $100.
You can be paid in USDT (TRC-20 or ERC-20), through Rise, or into a ThinkMarkets live trading account. Rise deducts a flat $50 once a month. The ThinkMarkets option is not open to residents of countries ThinkMarkets does not onboard, including the US and Canada. ThinkCapital processes payouts within 3 business days, and the money usually lands within 24 to 48 hours after that. All positions must be closed before you request a payout.
Every program pays 80%. You can raise it to 90% with the Profit Split 90% add-on at checkout, or reach 90% through scaling. On the challenges, scaling adds 20% of your starting balance after a three-month review with 10% profit and four successful payouts, and you have to ask for it by email. Bolt scales on the same terms, up to $500,000 across your Bolt accounts. You can hold up to $600,000 in funded accounts, Bolt included, and scale to $1.5 million overall; the program pages quote $1 million.
Each challenge add-on costs 25% of the account price: Profit Split 90% and Weekly Payouts on every challenge, plus Allow News Trading on Lightning and Nexus. On a $100K Lightning that is $125 each. Bolt's add-ons are Profit Split 90% (25%), On-Demand Payouts (25%) and Weekend Holding (15%). Add-ons are sold at checkout only and cannot be added later.
Yes, within 14 days of purchase if you have not placed a trade. After that, your fee is refunded with your third payout, on the challenges and on Bolt; if you never reach a third payout, there is no refund. ThinkCapital may keep a $20 admin fee from any refund.
ThinkCapital runs on ThinkTrader only, and you can trade from TradingView charts through it. There is no MT4 or MT5. You can trade forex, metals, oil, indices and crypto, except on Bolt, which has no crypto. There is no commission on any asset, only spreads. Lightning uses fixed leverage of 1:30 on forex; Dual Step and Nexus use dynamic leverage up to 1:100 that falls as your position grows; Bolt goes up to 1:50.
Automated tools are allowed on every program, but only ThinkTrader-compatible ones, and you must email support for the risk team's written approval before using one. You may copy trades between your own ThinkCapital accounts, with ThinkCapital as the master account. Copying other traders, signal services or account management is prohibited, as are grid trading, hedging across accounts, latency arbitrage and HFT.
Traders over 18 in most countries, including the US, where only ThinkTrader is available. ThinkCapital does not accept residents or citizens of a list of sanctioned and restricted places that includes Australia, Cyprus, British Columbia, Russia, Iran, Iraq, Vietnam and parts of Ukraine. Traders in Malaysia, Pakistan, Cambodia and Indonesia can buy Bolt only. Buying through a VPN does not get around these rules: such an account will not be funded or paid.
ThinkCapital is backed by ThinkMarkets, a broker regulated in the UK, Australia and Cyprus. The prop firm itself is run by TFG (Payments) Limited from Great Portland Street in London. It offers simulated trading only and is not itself regulated, which its Terms say plainly.
Trader reviews
Loading…
No trader reviews of ThinkCapital yet — be the first to share your experience.
Compare ThinkCapital with other Forex prop firms
Head-to-head pages — ratings, pricing, drawdown rules and payout terms side by side, with the stronger value in each row highlighted.
