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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.
Evidence desk · Independent analysisLast updated
Established backing and strong platform support; verify per-plan drawdown and payout terms.
The established benchmark: long track record, transparent objectives, documented scaling plan; $200K per-account ceiling before scaling.
Advertised maximums
The numbers, head-to-head
Headline figures from the structured plan data for each firm. “Up to” splits and max funding are ceilings reached via tiers or scaling — not the figure every trader gets.
Profit split — headline maximum (%)
Higher is betterFintokeiBest
100%
FTMO
90%
Entry price — lowest advertised ($)
Lower is betterFintokeiBest
$44
FTMO
$155
Max funding — headline ($)
Higher is betterFintokeiBest
$400K
FTMO
$200K
Our 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.
Visit Fintokei's official siteDirect link to the firm’s official siteDirect link to Fintokei's official site. We earn no commission and are not affiliated with Fintokei.
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.
Visit FTMOWe may earn a commission. Any current discount is applied at checkout; confirm the total before paying.
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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