Head-to-head · Independent comparison
Fintokei vs FTMO
How Fintokei and FTMO stack up on profit split, pricing, payouts and the rules that bind a funded account — advertised claims separated from what we could verify.
Established backing and strong platform support; verify per-plan drawdown and payout terms.
The established benchmark: long track record, transparent objectives, documented scaling plan; $200K per-account ceiling before scaling.
Advertised maximums
The numbers, head-to-head
Headline figures from the structured plan data for each firm. “Up to” splits and max funding are ceilings reached via tiers or scaling — not the figure every trader gets.
Profit split — headline maximum (%)
Higher is betterEntry price — lowest advertised ($)
Lower is betterMax funding — headline ($)
Higher is betterOur editorial scorecard (0–5)
Who wins each dimension
| Dimension | Fintokei | FTMO | Edge |
|---|---|---|---|
| Pricing & value | 4.0 | 3.0 | Fintokei |
| Profit split | 4.0 | 4.0 | Tie |
| Payout speed | 4.0 | 4.0 | Tie |
| Rules flexibility | 4.0 | 4.0 | Tie |
| Transparency | 4.0 | 5.0 | FTMO |
Scores are The Prop Examiner’s editorial assessment, not user reviews. See our methodology.
Advertised vs verified
At a glance
Fintokei
FTMO
What actually binds you
Key trading rules compared
Fintokei
| Phase / model | Rule | Published value |
|---|---|---|
| StartTrader (P1/P2/P3) | Profit target | 2% / 3% / 6% |
| SwiftTrader | Profit target | 10% |
| ProTrader (P1/P2) | Profit target | 8% / 6% |
| Varies | Daily loss limit | -3% to -5% depending on program |
| Varies | Max overall loss | -6% to -10% (trailing vs static per plan not confirmed)verify |
| StartTrader | Minimum trading days | 3 days |
| SwiftTrader | Minimum trading days | 5 trading days |
| ProTrader | Minimum trading days | 3 profitable days |
| All | Consistency | Max risk per trade cited at -3%; SwiftTrader needs +3% per payoutverify |
| All | Prohibited styles | Full list not confirmed; simulated/demo environmentverify |
FTMO
| Phase / model | Rule | Published value |
|---|---|---|
| 1-Step | Profit target | 10% |
| 2-Step | Profit target | 10% (phase 1) + 5% (phase 2) |
| 1-Step | Daily loss limit | 3% |
| 2-Step | Daily loss limit | 5% |
| All | Max loss | 10% (1-Step uses end-of-day trailing) |
| 2-Step | Minimum trading days | 4 days |
Rules vary by product. For a plan-by-plan comparison, use the account comparison tool.
Balanced view
Pros & cons
Fintokei
Strengths
- Backed by an established parent (Purple fintech group), with public payout reporting in the press.
- Three platform choices including TradingView, MetaTrader 5, and cTrader.
- Large account ceiling (up to $400K) and varied challenge structures incl. a swing option.
- Advertises fast average payout time and a performance reward from day one.
- Time limits are generous or unlimited on SwiftTrader/ProTrader.
Cons & open risks
- Multiple challenge types with differing splits/targets can be confusing for newcomers.
- Trailing vs static drawdown is not fully clarified per plan on the homepage.
- HQ and the precise legal entity are not stated on the homepage.
- Firm explicitly notes no regulated investment services and a simulated/demo environment.
- StartTrader carries a 180-day time limit, unlike the unlimited higher tiers.
FTMO
Strengths
- Long operating history and one of the most widely reviewed prop firms.
- Clear, published trading objectives and a documented scaling plan.
- 2-Step fee is refunded with the first reward.
- Both 1-Step (90% split) and 2-Step models available.
Cons & open risks
- Account sizes top out at $200K per account (scaling needed beyond that).
- 1-Step fee is not refunded after passing.
- Live checkout pricing and promos were not exposed without the purchase flow.
- As with all prop challenges, most buyers do not reach a payout.
Our take
Which should you choose?
These two are closely matched — "better" depends on what you trade and the rules you can live within. Read each verdict, then verify the figures for your exact product before buying.
Fintokei is a relatively well-established, parent-backed prop firm with broad platform support, a high account ceiling, and transparent fast-payout messaging. Buyers should map the differing splits, targets, and drawdown types across StartTrader/SwiftTrader/ProTrader to their own style. The Prop Examiner has no affiliate relationship with Fintokei at this time.
FTMO is the established benchmark in this space: a long track record, transparent objectives, and a documented scaling plan. The main limitations are a $200K per-account ceiling before scaling and a 1-Step fee that is not refunded. We could not confirm live pricing without entering checkout, so price-shop on the day you buy.
Affiliate disclosure: The Prop Examiner is an independent project and may earn a commission if you sign up through some of our links. We are not affiliated with any firm reviewed. Trading challenges are simulated/educational products; no profits or payouts are guaranteed.
Common questions
Fintokei vs FTMO FAQ
- Is Fintokei or FTMO better?
- Our independent ratings: Fintokei 4.0/5, FTMO 4.4/5. They are closely matched on our scorecard — the right pick depends on your market, budget and the rules you can trade within.
- Which is cheaper to start, Fintokei or FTMO?
- Lowest advertised entry price: Fintokei from $44, FTMO from $155. Fintokei has the lower starting price, but compare like-for-like account sizes — cheapest is not always best value.
- Which has the higher profit split, Fintokei or FTMO?
- Headline ("up to") maximums: Fintokei 100%, FTMO 90%. Fintokei advertises the higher ceiling — but top splits are usually gated behind tiers or scaling, not what every trader gets.
- Does Fintokei or FTMO pay out faster?
- Fintokei: Every two weeks; advertised average payout time '3h 4m'. FTMO: 2-Step rewards processed bi-weekly; ~8h avg processing stated. Payout speed and eligibility depend on the product and on meeting each firm's rules; no payout is guaranteed.
Cited & dated
Sources
Figures trace to each firm’s own pages, accessed on the dates shown. Re-verify before relying on any number — pricing and promos change.
- 1.Fintokei — homepage / prop-trading page· accessed 2026-06-17
- 2.Fintokei — About us· accessed 2026-06-17
- 3.FTMO — how it works· accessed 2026-06-17
- 4.FTMO — trading objectives· accessed 2026-06-17
- 5.FTMO — reward, growth & scaling plan· accessed 2026-06-17
- 6.FTMO — why is there a fee (refund terms)· accessed 2026-06-17
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