Fintokei vs Instant Funding
Every figure below is computed from the same normalised dataset, so the two firms are measured on identical terms.
Fintokei vs Instant Funding — the short answer
Instant Funding is the cheaper route to a $100,000 funded account at $219 against $419 for Fintokei — a difference of $200. Fintokei advertises the higher profit split at 100% against 90%. Fintokei uses static maximum drawdown and Instant Funding uses trailing. Across 12 directly comparable measures, Fintokei leads on 5 and Instant Funding on 5.
Where Fintokei wins
- Maximum advertised profit split: 100%
- Phase 1 profit target: 2%
- Daily drawdown limit: 3%
- Maximum drawdown limit: 6%
- Maximum drawdown style: Static
Where Instant Funding wins
- Evaluation cost to a $100,000 account: $219
- Cheapest evaluation cost per $1,000 funded: $1.99
- Cheapest evaluation entry price: $34
- Instant funding to $100,000: $484
- Founded: 2021
4.65
(3 reviews)
4
(1 review)
Cost
Evaluation cost to a $100,000 account
The fairest like-for-like price: entry prices are not comparable when the smallest account differs.
$419
$219
Cheapest evaluation cost per $1,000 funded
$4.19
$1.99
Cheapest evaluation entry price
The smallest account each firm sells — useful for a first attempt, not for comparing value.
$55
$34
Instant funding to $100,000
Priced on a different basis to an evaluation — there is no challenge to pass.
$599
$484
Programme
Evaluation types offered
2-step, instant, 3-step, 1-step
instant, 1-step, 2-step
Maximum advertised profit split
Usually requires a scaling plan or a paid add-on rather than being the default.
100%
90%
Phase 1 profit target
2%
5%
Account sizes sold
$5,000, $10,000, $20,000, $25,000, $50,000 +1 more
$625, $1,250, $2,000, $2,500, $5,000 +10 more
Risk rules
Daily drawdown limit
A larger limit is more room to trade, not a better product.
3%
2%
Maximum drawdown limit
6%
4%
Maximum drawdown style
Static is fixed from your starting balance. Trailing follows your peak and is harder to trade.
Static
Trailing
Drawdown measured on
Equity counts open positions in real time. Balance counts only closed trades.
Equity
Equity
Payouts
Payout frequency
On-demand
Weekly
Payout methods
Bank Transfer, Crypto
Not published
Payment methods accepted
Bank Transfer, Cryptocurrency, Visa, Mastercard
Card, Crypto, Bank Transfer
Platforms & markets
Trading platforms
MT4, MT5, cTrader, TradingView
cTrader, MatchTrader, MT5
Instruments
Metals, Energies, Indicies, Crypto
Forex, Indices, Commodities, Metals +1 more
Maximum forex leverage
More leverage is more flexibility and more risk — neither firm is better here by default.
1:100
1:100
Track record
Community rating
4.7/5 (3)
4.0/5 (1)
Founded
Longer in market is more track record, all else equal.
2022
2021
Company location
Czech Republic
United Kingdom
Prop Firm Pal verification
Verified
Verified
A highlighted cell means that value is more favourable to the trader on a measure with a defensible direction — cheaper, more drawdown room, a lower target. Rows where the better choice depends on how you trade, such as leverage or platform support, are shown without a highlight. Prop Firm Pal earns affiliate commission from some listed firms; this never affects the figures above.
Frequently asked questions
Fintokei and Instant Funding, answered from the data above
Is Fintokei or Instant Funding cheaper?
Instant Funding is cheaper for an evaluation to a $100,000 funded account at $219, against $419 for Fintokei. Entry prices differ too — Fintokei starts at $55 and Instant Funding at $34 — but those are for different account sizes, so they are not a like-for-like comparison.
Which has the better profit split, Fintokei or Instant Funding?
Fintokei advertises the higher maximum at 100%, against 90% at Instant Funding. Note that the advertised maximum usually requires a scaling plan or a paid add-on rather than applying to a first account.
What is the difference in drawdown rules between Fintokei and Instant Funding?
Daily drawdown is 3% at Fintokei and 2% at Instant Funding. Maximum drawdown is 6% and 4% respectively. Fintokei uses a static maximum drawdown while Instant Funding uses a trailing one — a trailing limit follows your peak balance and is materially harder to trade around than a static one fixed to your starting balance.
What platforms do Fintokei and Instant Funding support?
Fintokei supports MT4, MT5, cTrader, TradingView. Instant Funding supports cTrader, MatchTrader, MT5.
Which is rated higher by traders, Fintokei or Instant Funding?
Fintokei scores 4.7/5 from 3 reviews and Instant Funding scores 4.0/5 from 1 review on Prop Firm Pal. Review scores are trader-submitted and are independent of any commercial relationship.
Should I choose Fintokei or Instant Funding?
On the 12 directly comparable measures on this page, Fintokei leads on 5 and Instant Funding on 5, with 2 tied. Which of those measures matters depends on how you trade: cost matters most if you expect to need several attempts, drawdown style matters most if you hold positions overnight, and payout terms matter most once you are funded. Prop Firm Pal does not recommend one firm over another, and earns affiliate commission from some listed firms.