Full FundingTraders Review for 2025 – Features, Payouts, Rules Explained

Funding Traders Prop Firm Review (2025)

If you’re a trader looking for high-payout flexibility, evaluation transparency, and rapid funding options, FundingTraders might be your next big move. Launched in 2023, this prop firm has made waves in the trading world by offering up to 100% profit splits, weekly payouts, and a wide variety of challenges suited for traders of all levels. Whether you prefer a one-step fast track or a two-step evaluation with deeper risk metrics, FundingTraders gives you time-unlimited opportunities to prove your edge. With capital scaling up to $2 million and refund guarantees on the first payout, the firm focuses on rewarding performance, not just rules. Traders also benefit from tight spreads, zero commissions (during evaluations), and full transparency across payout cycles.
In this review, we break down FundingTraders’ trading rules, evaluation models, payouts, and platform reputation so you can decide if it’s the right fit for your prop trading journey.

FundingTraders Prop Firm Overview Table

FundingTraders Prop Firm Overview Table

Pros & Cons of FundingTraders - Quick Comparison

FundingTraders stands out in the crowded prop firm space with its instant funding paths, 100% profit split add-ons, and fast, weekly payouts. Its flexible challenge structures (One-Step, Two-Step, and Legacy) cater to both aggressive and conservative trading styles, while the refund-on-first-payout model shows real trader-first intent. The platform’s MT5 integration and access to a wide range of markets like forex, indices, and crypto offer plenty of trading freedom. That said, the firm does have some quirks, its in-house broker model may raise execution concerns for some, and higher-tier accounts come with steep fees. Also, while FundingTraders promotes freedom, the actual rules and backend structure require close reading to avoid early violations.

✅ Pros
100% Profit Split Available - With the right add-ons, traders can keep the full profits.

Fast Payouts - Weekly withdrawals and first payouts as early as Day 7.

Variety of Challenges - One-Step, Two-Step, and Legacy options for every trader style.

Refund on First Payout - Challenge fee is refunded once you qualify and withdraw.

Tight Spreads + No Commission (Eval Phase) - Great cost-efficiency during testing.

❌ Cons
High Fees for Top-Tier Accounts - Larger challenges can get expensive quickly.

No Publicly Listed Broker Partner - In-house brokerage may raise transparency concerns.

Complex Add-On Pricing - Important perks like 100% split cost extra.

Limited Platform Choice - Only supports MT5, no cTrader or TradingView integration yet.

Strict Risk Rules Hidden in Fine Print - Traders need to read rules carefully to avoid violations.

Challenge Types, Fees, and Profit Split - FundingTraders

FundingTraders has three flexible funding options to accommodate different trader preferences:

• One-Step Challenge: Gets straight to the point. There is a 10 percent profit target with no minimum trading days and drawdown limits.
• Two-Step Challenge: Participants face a more stringent drawdown limit for both phases of the challenge, which is a 10% drawdown followed by a 5% drawdown.
• Instant Funding Model: Skip the evaluation and straightforward pay a fee to receive funding instantly under live conditions.

All paths provide traders with no time limits, weekend trading, scaling opportunities up to $2 million in capital, instant funding model as well as an unmatched 100% profit split. Refund on first payout puts the trader in full control of their progress!

Challenge Comparison Table

One-Step Challenge Breakdown

The One-Step Challenge is perfect for quick funding. With a single 10% target and small drawdowns (4% daily, 5% total), there are no minimum trading days required. Therefore, skill can be assessed without time constraints. After funding, the trader will “start with the same risk parameters” and a 25% consistency requirement while aiming for scaling or bonus tier unlocking.
One-Step Challenge

Why Choose This Challenge?

Steady, Fast Pipeline to Funded Account: best for traders who want to go live asap.
Direct Challenge: Straight forward targets and risk limits. Simple to understand.
No time constraints – Trade as you wish without any pressure.

Two-Step Challenge Breakdown

This option comes with a more gradual approach of earning 8% in Phase 1 with slightly looser drawdowns followed by 5% in Phase 2 while maintaining the 6% daily limit and 12% max-loss cap. The consistency requirement ensures a minimum level of behavioral control in trading along with the option to scale, profit-split add-ons after being funded.

Two-Step Challenge

Why Choose This Challenge?

1.Phased Risk Management – Best suited for traders looking for progression over time.
2.Flexibility in Trading Style – No rush or rigid deadlines.
3.Flexibility in Goals – Add-ons can be applied in full, allowing for 100% profit.

Instant Funding Model Breakdown

Would you like to bypass the evaluation altogether? The instant funding model allows users to trade live instantly with no trading goals and a bare minimum of one day trading. With a ceiling of 6% max drawdown, 3% daily limit, and a lower 15% consistency threshold, this package operates on a fee of $59 while managing accounts up to $100k, which can grow further.

Instant Funding Model

Note how all accounts are increased in value without changing the goals. Instant funding has no evaluation and profit targets. You start live instantly but the drawdown and consistency rules do apply.

Why Choose This Model? 

• With self-discipline comes easier profits as there are no evaluation phases and near instant access to live trade sessions. 
• With no pressure placed on the profit taking focus, low expectations lead to significant profits over time if followed through methodically. 
• Streamlined one-shot access means a day from decision to funding.

Our Review on FundingTraders Challenge Models, Fees, and Profit Split

FundingTraders offers a well-balanced trio of funding models to meet diverse trader needs. The One-Step Challenge is fast and fair, Two-Step provides a structured path, and Instant Funding caters to confident traders ready to dive in. Fees are competitive across the board, with clear paths to 100% profit share via add-ons.

We appreciate the absence of time limits and the flexible drawdown structures, which respect different trading styles. The 25% consistency requirement for challenges and 15% for instant accounts set reasonable benchmarks. However, traders should carefully note the daily drawdown limits, these must be managed tightly to avoid failure.

Bottom line: If you’re disciplined and clear about your risk tolerance, FundingTraders offers a compelling suite of options. Whether you’re looking for fast-track funding, a phased challenge, or instant access, their fee-friendly, target-transparent, and split-skewed-to-you models make strong use of trader capital in 2025.

FundingTraders Scaling Plan

At FundingTraders, rewarding traders with bigger capital allocations is one of their growth philosophy. They want to encourage accountability and performance through better risk management by rewarding the traders through scaling their accounts.  

Key Features of the FundingTraders Scaling Plan:  

• 25% Increase: Each scaling step increases the trader’s account size by 25% of the initial funding amount.
• Every 2 Months: Achieving specific goals over a two consecutive month period is a prerequisite for scaling.  
• 8% Profit Target: This target must be achieved across two months. The traders combined profit must be equal to or greater than 8% of the account set for the two months.  
• 2/2 Months Profitable: Two consecutively profitable months are required to earn the scaling increase.  

How It Works:

Consistency and profitability captures the essence of FundingTraders requirements. A trader must achieve the conditions of 8% profit across two months with two profitable months. Meeting this dramatically enhances account size with 25% cap increase and also increases the capital that can be traded along with the potential returns.
This model focuses on fostering sustainable growth which discourages reckless risk-taking and instead promotes disciplined trading. Traders are compensated for their consistent achievements, which aligns with professional trading standards.  

Our Review on FundingTraders’ Scaling Plan

FundingTraders has a well-defined scaling policy that is favorable and encourages disciplined and sustainable trading. Their balance between monthly consistency targets alongside profit goals creates an incentive system that favors long-term sustainable trading success over high-risk short-term rewards. The reasonable profit milestones and steady intervals increase accessibility for many traders who wish to enhance their accounts over the long term.  
If you wish to develop a funded trading career with incrementable capital allocation, FundingTraders’ scaling plan provides clearly defined steps which make it an attractive value proposition.  

Spreads and Commissions at FundingTraders

FundingTraders implements competitive trading conditions aimed at supporting starter and experienced traders alike. With funding traders’ clear spreads and simple commission guidelines, trading costs are kept low to help maximize profitability. Consistency across instruments in the fee model enhances predictability and clarity when planning trades, which is invaluable.

Our Take on Spreads and Commissions:
The spreads and commissions for FundingTraders are reasonable and within the range of industry benchmarks. Our per lot commission of $6 for all instruments is simplistic, which helps cost-conscious traders to use their resources efficiently and predict expenses. The leverage settings are moderate, balanced, and set to prevent excessive funded risk-taking, making it safer for funded traders who aim for consistent growth.  

Trading Instruments Offered by FundingTraders

For multi-instrument traders who aim to exploit numerous financial markets, we provide a comprehensive collection of trading instruments at FundingTraders. Our offerings comprise:  
Forex (FX): Major, minor, and exotic currency pairs.
Cryptocurrencies: Emerging digital assets with increasing liquidity.
Indices: Marked sectoral index of stock markets worldwide.
Metals: Precious metals, including gold, silver, etc.
 
This enables traders to effectively manage their portfolios and capitalize on profit opportunities across different asset classes. 
Please also note: Different instruments may have varying leverage, contract sizes, spreads, and commissions based on each asset's characteristics and market conditions. 
FundingTraders has made it our priority to offer a flexible, dynamic, and customizable trading environment for its clients, allowing them to implement numerous strategies in different markets.

Trading Rules at FundingTraders

At FundingTraders, the trading rules are made with the intent to guide traders to a more responsible and realistic trading approach and shielding both the trader, as well as the firm. To some extent, these rules assist in minimizing risks, preventing allocative inefficiencies, encouraging fairness in trading, and maintaining an equitable marketplace. Following these rules helps traders retain their funded accounts, qualify for funded account withdrawals, and promotes sustained success.

Trading Practices Allowed and Not Allowed

Other Important Notes

• Consistency Score: If violated, return to trading until equilibrium is regained. No more than 15% of the current PnL can be the largest winning day. This will reset the Consistency Score.
• Biggest Loss vs Biggest Win: To stay compliant, the greatest loss must never exceed the greatest win.
• Unrealistic Trading Practices: Trade execution in excessively short time frames, as well as the placement of abnormal order volumes with the intent to evade reasonable risk, will result in account closure.

Our observations about the Trading Rules at FundingTraders:

FundingTraders has put in place a comprehensive set of rules that are aimed at ethical and responsible trading.

Traders are barred from using high-risk strategies such as grid trading, which along with the combination of daily and maximum drawdown limits, minimum trade holding periods, and balanced copy trade restrictions allows for sustainable trader engagement. Copy trading and Bots are permitted as long as they are used in moderation. No news or weekend trading restrictions seem to curtail freedom but actually protect traders from unpredictable volatility that jeopardizes a trader’s account balance and promote a safer trading environment.

All in all, these restrictions provide the right amount of risk control for traders’ liberty, which benefits serious funded traders as much as possible.

Payment Options and Payout Requirements by FundingTrader

FundingTraders has a well-defined payment and payout framework that is clear and safe. Whether you are commencing a challenge with the platform or requesting a withdrawal of your hard-earned profits, the platform simplifies both payments and withdrawals.

Payment Methods

To facilitate traders globally, FundingTraders accepts a wide range of payment options. Depending on your region, you can typically pay via:

• Credit/Debit Cards
• Cryptocurrencies (USDT, BTC, ETH and others)
• Wire Transfers
• Other Region-Specific Alternative Payment Methods

Through their payment processor partners, traders receive seamless and reliable payments. Payments are processed in either real-time or within a few hours.

Payout Requirements

FundingTraders started offering an 80% profit share as a generous split, and traders are able to request withdrawals based on the terms below:

All payments are made as scheduled within 1-3 business days of approval, and paid out using the method chosen by the trader.

Our Review on FundingTraders Payment Systems

FundingTraders have competitive policies for payouts, especially considering the 14-day wait for the first withdrawal and weekly payments following that. That is faster than many in the industry. They also have a Profit Share of 80% with a possibility of scaling up the account which shows the firm's intention of compensating consistent traders who perform well over time. Traders must be careful about the policies as any infraction means no payments will be made, however, the company cap is set in a way that rewards traders who show proper discipline and high performance.

Countries Restricted by FundingTraders

At FundingTraders, global reach is important, however certain countries are restricted due to international compliance and regulatory frameworks. Traders from these areas do not have the rights to buy or access FundingTraders products or programs.  

Restricted Countries:  

Afganistan  
Kazakhstan  
Mongolia  
Marocco  
Poland  
Russia  
Taiwan  
Ukraine  
Venezuela  
Vietnam  

Notes: Users from the above countries who were already active traders, and who hold challenges or funded accounts may continue to trade and complete KYC for the payouts unless they breach any trading rules.

Our Final Thoughts on FundingTraders

In comparison to other prop trading firms, FundingTraders offers instant funding, multiple account types, competitive spreads, and a dynamic scaling plan. Their clearly defined rules encourage order and discipline while their profit split structure incentivizes growth. The firm is open about their restricted regions and strategies, but they do provide traders with the resources they need to succeed while having realistic expectations.  
If you are a serious trader in need of immediate capital, a pre-established structure, and a tiered benefit system, then FundingTraders is an ideal partner for your trading journey. As with any trading firm, it pays to read the guidelines.