Instant Funding prop firm offers 3 types of instant funding accounts. They are Instant Funding No Challenge, Instant Funding IF Micro, and Instant Funding IF1 accounts. Today, we will focus on the first one, the Instant Funding No Challenge account, which offers the possibility of earning 4.5 times higher payouts.

Let us explore Instant Funding no-challenge account sizes and fees, benefits, trading rules, strategies, and prohibitions.

The good news is that none of the instant funding accounts has a profit target, including the instant funding no challenge account. Let us take a detailed look at the Instant Funding Rules [2025 Guide].
 

Instant Funding No-Challenge Account Sizes & Fees

Below we have listed the various account sizes with fees/costs. We have not included the cost of THE addons here. With upgrades with add-ons, the price of the accounts increases significantly.

• $625 - starts at $44
• $1,250 - starts at $84
• $2,500 - starts at $129
• $5,000 - starts at $239
• $10,000 - starts at $459
• $20,000 - starts at $899
• $40,000 - starts at $1849
• $80,000 - starts at $3699
• $120,000 - starts at $5499

Instant Funding No-Challenge Account Highlights

• The instant funding accounts have no profit target or daily drawdown.
• It has a Smart Drawdown of 10% of your initial account balance to meet.
• The payout is weekly, but the first payout is 14 days after your first trade.
• It offers a standard profit split of 80%. There is no scaled profit split.
• Account size doubles every time you earn a 10% profit.
• Maximum account scaling allowed is up to $1.28 million. But you need to achieve a profit of 10%.
• There is no time limit for trading
• There are minimum trading day requirements.
• Strategies - Overnight holding is allowed, but weekend holding is not allowed.
• Upgrades with add-ons - Weekend Holding and major News Trading are allowed.

Instant Funding Account Leverages:

• Currencies leverage: up to 1:100
• Commodities leverage: up to 1:20
• Indices leverage: up to 1:20
• Crypto leverage: up to 1:2

If you upgrade your Instant Funding accounts with news trading, weekend holding, or both addons, the leverage of each instrument changes accordingly.
 

Instant Funding Targets & Rules

These targets and rules help maintain your account in good standing and prevent automatic account closures.

• Payout Rules

For Instant Funding accounts: Your first withdrawal request is after 14 days after your initial trade. After that, you can withdraw every 7 days/weekly following your next trade.

• Profit Target

The good news is that there is no minimum profit target. To request payouts, you first need to maintain the smart drawdown by reaching 5% profit.

• Daily Drawdown 

There is no daily drawdown in Instant Funding no challenge program

• Max Drawdown

Maintain overall maximum losses within 10% of your initial balance. If you exceed this limit, you can lose your account. If you achieve a 5% profit, the max drawdown reduces to 5% of your initial balance. This becomes your static drawdown limit because this level remains permanent.

• Profit Split

The standard profit split is 80%. You can retain 80% of all profits earned. It can be increased to 90%. You need to upgrade with an add-on to add an extra 10% to your profit split.

• Scaling

If you want to double the account size, achieve a profit of 10%. You can repeat it until you reach the maximum scaling limit of #1.28 million. Your Instant Funding no challenge account size doubles each time you achieve a profit of 10% profit. Max scaling up to 1.28M

• Minimum Tarding Days

There is no minimum trading days. A trading day is when you open a new trade. Holding a position from the day does not count as a trading day.

• Overnight & Weekend Holding

In the Instant Funding account, Overnight Holding is allowed, but Weekend Holding is not allowed.

• Leverage

You can increase your position size based on the asset/instrument ype you are trading.

• Currencies – 1:100
• Commodities – 1:20
• Indices – 1:20
• Crypto – 1:2

Instant Funding Prohibited Strategies

Let us now look at the Instant Funding Prohibited Strategies

• Strategies like Gambling or betting
• Grid & Martingale
• High-frequency trading (HFT)

Instant Funding Prohibited Trading Practices

Let us now look at the Instant Funding Prohibited Unfair Trading Practices

• Overleveraging
• Exceeding the permissible Maximum Risk Per Trade limit
• Major News Trading
• Copy Trading
• Expert Advisors (EAs):
• Reverse Trading
• Group Hedging
• Group Copying
• Account management
• Account Churning (Rolling)
• Exploiting System Error
• Exploiting Platforms error
• Exploiting latency and feed error

Instant Funding Smart Drawdown

• Initial Drawdown Starts at -10%.
• After achieving a 5% profit, the new drawdown is -5% of the initial account balance. After this, the drawdown becomes static and stays at -5%.

Instant Funding Allowed Strategies

• Overnight Holding Allowed
• Weekend Holding Allowed

Instant Funding Scaling Rules

For accounts with Smart Drawdown

• You must earn a minimum profit of 10% of the account balance
• You can use 5% of the account’s starting balance for scaling.
• Scale Speed: twice the account size each time you scale.
• Maximum Scaling account balance capping: up to $1,280,000.

For accounts with Static Drawdown

• You must earn a minimum profit of 10% of the account balance after 90 days.
• You need to contact the instant funding support team to request scaling of your account, and you have met the eligibility criteria.
• Scale Speed: +25% of account size once per 90 days.
• Maximum Scaling: 100% of the starting balance.

Profit Split Scaling

• You can enjoy a profit split of 80% for Instant Funding and Instant Funding Micro accounts and 90% for the IF1 account. There is no scaling of profit split available.

Instant Funding Payout Rules

• For IF1 accounts: You can request one payout after the 24-hour account period ends, provided you meet the following conditions:
  – Your best trade does not exceed 15% of your total profit
  – Your net profit is at least 3% of your starting balance
• Withdrawal Methods: Bank transfer and crypto via Rise, direct crypto payments
• Minimum balance at the time of withdrawal: $25.
• Processing Time: Aim to process all payouts within 24 hours of request.

Inactivity

You must trade at least once in 60 days from the date of the purchase of the account. If no trades are placed within 60 days of your account purchase or after the last trade, your account will be closed.

Why these Instant Funding Challenge Rules Matter

By following these  Instant Funding challenge rules, traders and the Instant Funding prop firm can ensure:

• Transparency: Equal opportunities and a level playing field for all traders. It builds trust in the trading process.
• Fairness for all: No unfair trading practices, rather focusing on skill-based trading. Success does not depend on luck, but rather on strategies, analysis, and informed decisions. Traders must not exploit errors, glitches, loopholes, or take unfair advantages.
• Safety: Protection from aggressive traders, excessive risk-taking, and irresponsible trading behaviour.

Conclusion

If you follow these Instant Funding challenge rules, it helps you have emotional control, reduce stress, and help you succeed with consistency. If you need more information about Instant Funding Challenge rules and restrictions, you may get a detailed Instant Funding review on The Trusted Prop. It is a trusted and expendable name in a prop firm review website.

If you think you can start trading with Instant Funding right now, sign up here and start a profitable trading journey.