Who Are Fintokei?
If you’ve ever daydreamed about trading the markets without risking your own capital, you’re not alone—and Fintokei prop firm might just be your golden ticket. Fintokei is one of the newer yet quickly emerging players in the proprietary trading space, offering ambitious traders a chance to trade with company-funded accounts after completing a straightforward yet disciplined evaluation process.
At its core, Fintokei is a prop trading firm that evaluates and funds traders, allowing them to keep a generous portion of the profits they earn using firm capital. It’s built on a model that rewards discipline, consistency, and profitability without the need for traders to pony up thousands in trading capital. And let’s face it, in a world where retail traders often get the short end of the stick, that’s a breath of fresh air.
But what makes this prop firm stand out in the increasingly crowded market of trading challenges and funding programs?
Fintokei’s approach is refreshingly transparent, simple to understand, and supportive of both novice and seasoned traders. Unlike some firms with opaque rules or impossible-to-meet standards, Fintokei lays its expectations out clearly. Their challenges are built to filter for sustainable trading strategies rather than one-hit wonders or gambling-style gains.
The Fintokei Model: Simplicity Meets Opportunity
The Fintokei prop firm operates under a classic two-phase evaluation model: a challenge phase followed by a verification phase. If you pass both while maintaining strict adherence to their risk guidelines, you’re funded with real capital—and the chance to pocket up to 90% of your trading profits.
There are no hidden clauses or unnecessary complications. If you trade well, control risk, and meet the targets, you get funded. It’s that simple.
Why This Model Works
Fintokei doesn’t just benefit traders—it also safeguards the firm’s own capital. They’re not looking for high-flyers who flame out after a week of luck. They’re scouting for disciplined traders who can generate consistent returns while minimizing drawdowns. That’s a win-win for both parties.
Plus, with educational support, risk monitoring, and a responsive support team, the firm isn’t just funding traders—it’s building a community.
How the Fintokei Prop Firm Challenge Works
Understanding how the Fintokei prop firm challenge operates is essential if you want to secure a funded trading account without tripping over unexpected restrictions or rules. Fintokei’s model is built around a transparent two-phase challenge system that evaluates your risk management, consistency, and profitability.
Let’s break down each part of the process—from signup to securing a live funded account.
Choose Your Account Size and Profit Split
Before you even place your first trade, Fintokei lets you tailor your challenge to suit your risk appetite and trading style. This flexibility is a big plus, especially compared to other firms that use a one-size-fits-all model.
You’ll start by selecting:
Account size: Options typically range from $10,000 up to $200,000.
Profit split model: Choose between a conservative plan (lower risk, slower growth) or an aggressive one (higher drawdowns allowed, faster funding path).
Fee structure: Fees vary depending on the account size, but they are competitively priced and often come with discounts for repeat users or during promotions.
For instance, if you choose a $100,000 account with an 80/20 profit split (trader keeps 80%), you’ll pay a one-time challenge fee and begin trading under the guidelines associated with that plan.
This level of customization helps traders align the evaluation with their real-world strategies instead of forcing them to adapt to rigid parameters.
Complete the Fintokei Prop Firm Challenge
Here’s where the rubber meets the road. The first phase of the Fintokei challenge is designed to test your ability to generate consistent returns while respecting defined risk limits. It’s a test of skill, not luck.
Phase 1 Challenge Highlights:
Target Profit: Usually between 8-10% of the account balance.
Trading Period: You’re typically given 30 days to reach your target.
Risk Rules: Includes a maximum daily loss (e.g., 5%) and a maximum trailing drawdown (often around 10%).
Sounds intense? It can be—but it’s also realistic. These rules are in place to simulate the pressures of live trading without risking firm capital yet.
Pro Tip: Don’t treat this like a sprint. Go in with a plan, and stick to it. Remember, the goal is to prove you can manage risk—not hit a home run on every trade.
Pass Evaluation and Get Funded
After Phase 1, you’ll move to Phase 2—also known as the Verification Phase. This is where Fintokei further ensures your performance wasn’t a fluke. The profit target is often lower in this phase (usually around 5%), and the trading duration can be extended up to 60 days.
Why this step exists: Fintokei wants to see that you’re not just having a lucky week. They want long-term consistency.
Once you pass Phase 2 while following all the rules, you’re officially a funded trader.
Use code “STT101” for 10% OFF all accounts!
What Are the Options for Funded Accounts?
Fintokei offers three distinct evaluation programs tailored to traders of varying experience levels: StartTrader, ProTrader, and SwiftTrader. Each program presents unique features, account sizes, and evaluation criteria.
StartTrader Program
Account Size (€) | Challenge Fee (€) | Profit Targets | Max Daily Drawdown | Max Overall Drawdown |
5,000 | 44 | Phase 1: 2% Phase 2: 3% Phase 3: 6% | 3% | 6% |
20,000 | 119 | Phase 1: 2% Phase 2: 3% Phase 3: 6% | 3% | 6% |
50,000 | 244 | Phase 1: 2% Phase 2: 3% Phase 3: 6% | 3% | 6% |
Designed for novice traders, the StartTrader program involves a three-phase evaluation process. Traders must achieve profit targets of 2%, 3%, and 6% in each respective phase. The program imposes a maximum daily drawdown of 5% and an overall drawdown limit of 10%. Upon successful completion, traders receive a funded account with a 50% profit split. Account sizes range from €20,000 to €100,000, with challenge fees starting at €119.
ProTrader Program
Account Size (€) | Challenge Fee (€) | Profit Targets | Max Daily Drawdown | Max Overall Drawdown |
10,000 | 99 | Phase 1: 8%Phase 2: 5% | 5% | 10% |
20,000 | 149 | Phase 1: 8%Phase 2: 5% | 5% | 10% |
50,000 | 299 | Phase 1: 8%Phase 2: 5% | 5% | 10% |
Aimed at experienced traders, the ProTrader program consists of a two-phase evaluation: an 8% profit target in Phase 1 and a 5% target in Phase 2. The program enforces a 5% maximum daily drawdown and a 10% overall drawdown limit. Traders can select account sizes from €10,000 up to €400,000, with challenge fees ranging from €99 to €2,399. Successful traders start with an 80% profit split, which can increase up to 95% through the scaling plan.
SwiftTrader Program
Account Size (€) | Challenge Fee (€) | Profit Target | Max Daily Drawdown | Max Overall Drawdown |
1,000 | 79 | 10% | None | 10% |
2,000 | 119 | 10% | None | 10% |
5,000 | 259 | 10% | None | 10% |
For traders seeking immediate access to funded accounts, the SwiftTrader program offers a one-phase evaluation with a 10% profit target. Notably, this program does not impose a daily drawdown limit, though the overall drawdown is capped at 10%. Account sizes range from €1,000 to €50,000, with challenge fees starting at €79. The initial profit split is 50%, with potential increases up to 90% through consistent performance and scaling.
Fintokei’s Rules and Restrictions
When trading with a prop firm, success isn’t just about making profits—it’s about following the rules. And Fintokei prop firm takes its rulebook seriously. These guidelines ensure that funded traders aren’t just profitable, but responsible. If you’re eyeing that funded account, then understanding and respecting these rules is mission-critical.
Let’s walk through the main restrictions and requirements you’ll encounter across Fintokei’s various programs.
Risk Management Guidelines (Trailing Drawdown, Max Daily Loss)
Risk management is the cornerstone of Fintokei’s evaluation system. Whether you’re swinging for the fences or scalping pips in a volatile market, these parameters keep you grounded.
Here’s what you need to watch out for:
- Max Daily Drawdown:
- StartTrader: 3%
- ProTrader: 5%
- SwiftTrader: No daily drawdown
This rule limits how much you can lose from the start of each trading day. Hit the limit—even for one moment—and your challenge or funded account is over.
- Max Overall Drawdown: All programs cap your total drawdown at 6% (StartTrader) or 10% (ProTrader and SwiftTrader). This is a trailing drawdown, meaning it trails your equity peak—so be mindful even during a winning streak.
Pro Tip: Don’t get lulled into overconfidence. Many traders fail not from poor strategy, but from ignoring these limits after early wins.
News Trading, Overnight Holds, and Other Restrictions
Every firm has its quirks, and Fintokei is no exception. Here’s what else you need to be aware of:
- News Trading Restrictions:
News trading is allowed, but not during high-impact releases unless otherwise stated. Some challenges may have specific blackout windows—especially around NFP, CPI, or FOMC events. - Overnight and Weekend Holding:
- StartTrader and ProTrader: You can hold trades overnight and over weekends, but this flexibility is a privilege, not a loophole.
- SwiftTrader: Restrictions may apply depending on account tier—check the program terms for updates.
- Lot Size Restrictions:
While Fintokei doesn’t enforce restrictive lot sizing rules, traders are expected to scale responsibly. Abusing leverage or risking more than your drawdown allows can still lead to a violation—even without a hard rule in place. - Use of EAs or Copy Trading:
Allowed on most programs, but the strategy must be your own. Direct copying of other traders without value-add may result in disqualification.
Consistency and Scaling Rules
Fintokei isn’t just testing whether you can make money—it’s checking how you make it. The firm enforces consistency checks and offers scaling options to reward long-term discipline.
Consistency Checks:
- No One-Hit Wonders: If 80% of your profits come from a single day or trade, you may be flagged.
- Even Distribution Preferred: Fintokei wants to see that your trading edge works across market conditions—not just a lucky spike.
Scaling Opportunities:
- Traders who consistently follow the rules and hit profit milestones may be eligible for scaling up their account size or higher profit splits (up to 95% for ProTrader accounts).
- Some funded traders receive capital increases every few months if performance remains steady and risk is well-managed.
Use code “STT101” for 10% OFF all accounts!
Payment, Withdrawals, and Payout Process
One of the most pressing questions every trader has before joining a Fintokei prop firm challenge is: “When do I get paid, and how much do I keep?” Let’s break down the financial side of your trading journey with Fintokei, from initial fees to taking home your well-earned profits.
Fee Payments (for Challenges and Funded Accounts)
Before stepping into the ring, you’ll need to pay a one-time challenge fee. This varies depending on the program and account size you choose.
Important Note:
Challenge fees for StartTrader and ProTrader are refundable if you pass all phases and reach the first payout milestone as a funded trader.
SwiftTrader fees are not refunded because you receive a live account immediately upon passing a single-phase evaluation.
This fee model is transparent, and unlike some sketchy firms, there are no hidden monthly platform charges or sneaky “maintenance” costs post-funding.
Profit Withdrawals and Payout Schedules
Once you’re trading a funded account, it’s time for the best part: getting paid.
Here’s how Fintokei handles it:
Initial Payout Window:
You can request your first payout after just 14 calendar days of live trading (if profit thresholds are met). This is among the fastest in the prop firm space.Ongoing Payouts:
After the first payout, traders can typically request withdrawals on a bi-weekly or monthly basis, depending on account performance and consistency.Minimum Payout Requirement:
Usually, you need to generate a minimum of 1-2% profit to initiate a withdrawal. But this varies slightly between programs, so always check your trader dashboard for details.Profit Splits:
StartTrader: Starts at 50%, can increase with good performance.
ProTrader: Starts at 80%, scalable to 95%.
SwiftTrader: Starts at 50%, scalable to 90%.
Payment Methods:
Withdrawals are processed via major methods including:Bank transfer
Crypto (BTC, ETH, USDT)
Wise
Skrill/Neteller
Payouts are usually processed within 1–3 business days, and many traders report same-day approvals during peak funding cycles.
Bonus Tip:
Traders who maintain a positive track record and avoid rule breaches often gain access to priority withdrawals and scaling upgrades—so playing by the book pays off, literally.
Comparison: Fintokei vs Other Top Prop Firms
In a market brimming with prop firms, each promising generous profit splits and easy funding, how do you choose the right one? Whether you’re vetting your first prop firm or considering a switch from your current one, this head-to-head look at Fintokei vs other top prop firms will help you see where it shines—and where it still has room to grow.
Fintokei VS FTMO
Feature | Fintokei | FTMO |
Evaluation Phases | 1, 2, or 3 phases (flexible) | 2 phases only |
Min Payout Time | 14 days | 30 days |
Max Profit Split | Up to 95% | Up to 90% |
Min Drawdown | 3% (StartTrader) | 5% daily, 10% overall |
News Trading | Limited | Strict restrictions |
Fees Refundable | Yes (except SwiftTrader) | Yes |
Account Sizes | €1K – €400K | €10K – €200K |
Platform Access | MT4 / MT5 | MT4 / MT5 |
Takeaway:
Fintokei is more flexible with program structures and offers quicker payouts. FTMO has stronger brand recognition, but stricter rules and slower payout cycles.
Fintokei VS The 5ers
Feature | Fintokei | The 5%ers |
Evaluation Model | Multiple options | Instant Funding / Low-Risk Model |
Max Profit Split | Up to 95% | 50% |
Payout Schedule | 14 days or monthly | Monthly |
Growth Plan | Yes, scaling to larger capital | Slow and fixed scaling |
Evaluation Flexibility | 1, 2, or 3 phases | Mostly low leverage, slow model |
Takeaway:
Fintokei offers higher profit potential and more trader freedom. The 5ers caters to ultra-conservative strategies with very slow growth.
Fintokei vs FundedNext
Feature | Fintokei | FundedNext |
Max Profit Split | 95% | 90% |
Evaluation Flexibility | 3 different programs | 2 programs |
Fastest Payout | 14 days | 14 days |
Crypto Withdrawals | Yes | Yes |
Community Support | Growing Discord | Established, large Discord |
Takeaway:
Fintokei rivals FundedNext in payout and split speed, but still building its community and long-term brand equity.
What Sets Fintokei Apart?
Multiple Challenge Paths: Most prop firms lock you into one rigid evaluation method. Fintokei gives you three.
Faster First Payout: Why wait 30+ days to get paid? Fintokei kicks it off in 14 days.
Higher Profit Potential: With up to 95% profit share, Fintokei competes with the most generous firms in the game.
Scalable Options: Choose from small €1K accounts to large €400K evaluations.
Who Should Choose Fintokei?
New Traders: The StartTrader plan is beginner-friendly and forgiving on drawdowns.
Intermediate Traders: ProTrader fits those with proven strategies looking for scale.
Aggressive Traders: SwiftTrader is perfect for confident traders wanting quick capital without a multi-step evaluation.
They are rapidly positioning themselves as a go-to firm for traders looking for control, speed, and profit flexibility—without compromising on professionalism or platform quality.
Fintokei Trust Pilot Reviews
Fintokei has received great customer feedback from its traders on Trust Pilot. With an overall score of 4.8 out of 5 from 121 reviews.
Conclusion
Choosing the right prop firm can make or break your trading career—and Fintokei prop firm brings a refreshing mix of flexibility, fast payouts, fair evaluations, and scalable funding options that truly cater to modern traders.
From beginner-friendly multi-phase challenges to aggressive one-phase evaluations for seasoned pros, Fintokei understands that one size does not fit all. Their transparent fee structure, early payout system, and high profit splits (up to 95%) position them as a standout in a market full of cookie-cutter firms and too-good-to-be-true promises.
But what really seals the deal is their balance of discipline and support. Traders are rewarded for managing risk well, not for chasing lucky wins. And with responsive customer service, ongoing educational support, and regular platform improvements, it’s clear Fintokei isn’t just another startup trying to ride the prop firm wave—they’re building something for the long haul.
So if you’re serious about your trading journey, want to scale without risking personal capital, and prefer a firm that treats you like a pro from Day 1—Fintokei might just be your next best move.
FAQ’s
The Fintokei challenge is an evaluation process where traders prove their skill by meeting specific profit targets within defined risk limits. Once passed, they receive a funded trading account from Fintokei and can earn up to 95% of the profits.
It depends on the program. With SwiftTrader, you can get funded after passing a single-phase challenge, potentially in just a few days. StartTrader and ProTrader require 2–3 phases, usually completed within 30–60 days if targets are met.
Yes—for StartTrader and ProTrader, the challenge fee is fully refunded once you pass all evaluation phases and request your first payout. SwiftTrader fees are not refundable due to instant funding access.
Yes, Fintokei allows EAs and news trading with some limitations. You must follow their outlined risk rules, and some high-impact events may have temporary restrictions. Always check your dashboard for updates.
Fintokei provides access to MetaTrader 4 (MT4) and MetaTrader 5 (MT5)—two of the most widely used platforms in prop trading, compatible with both manual and algorithmic strategies.
Fintokei offers more evaluation flexibility, faster payouts (as soon as 14 days), and higher potential profit splits (up to 95%). It’s ideal for traders seeking a mix of aggressive scaling and beginner-friendly challenges.
