Dossier · Independent review
Fintokei: the dossier
Fintokei is a parent-backed prop firm (part of the Purple fintech group) with broad platform support, a high account ceiling, and multiple challenge structures.
Short verdict
Fintokei stands out for established backing and strong platform support; watch out for multiple challenge types with differing splits/targets can be confusing for newcomers.
The Prop Examiner verdict-in-brief
Established backing and strong platform support; verify per-plan drawdown and payout terms.
100%
Profit split (up to)
$44
Entry price (from)
$400K
Max funding (headline)
Scorecard
Five dimensions, scored 0–5
4.0
avg
- Pricing & value
- 4.0/5
- Profit split
- 4.0/5
- Payout speed
- 4.0/5
- Rules flexibility
- 4.0/5
- Transparency
- 4.0/5
Advertised vs verified
At a glance
Advertised claims vs what we could verify. “Up to” figures are maximums; rows flagged verify before launch are unconfirmed.
- Founded
- Brand launched ~2022 (part of Purple Trading group)verified
- Headquarters
- Prague, Czech Republic (third-party reported; not stated on homepage)verified
Every figure traces to the cited & dated sources below.
What actually binds you
Key trading rules
Where challenges are won or lost — sourced from Fintokei’s own pages. Rules vary by product; the per-plan breakdown follows.
| 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 |
Rules verified from Fintokei's homepage on the access date. Trailing vs static drawdown per plan, the consistency rule, and the full prohibited-style list were not fully clarified. StartTrader carries a 180-day time limit; higher tiers are generous or unlimited.
EAs, algos, bots & copy trading
Automation & AI policy
MIXED — your own/self-controlled EAs and AI strategies are welcome, but commercial bots, copy trading, account mirroring, tick scalping and latency arbitrage are banned.
| Policy area | What the firm states |
|---|---|
| Expert Advisors (EAs) | Limited — own/self-built EAs allowed; "custom-built EAs developed and fully controlled by you" and "simple automation tools or scripts to execute your own strategy faster" are permitted. Third-party/commercial EAs are allowed only if customized with your own parameters and logic; "buying or copying commercial EAs or signal packages created by someone else" and "free public bots or black-box systems where you don't know how they work" are prohibited. |
| Algorithmic trading | Limited — allowed when you are "the creator or full owner of the strategy and understand how it works"; trading robots designed to pass/circumvent the evaluation are strictly prohibited. |
| Copy trading | Banned — "copying trades from a signal provider, another trader, Telegram/Discord channel," "following a 'master' account... through trade mirroring or copier tools," and "letting another person or a 3rd party provider... trade on your account" are all prohibited. Manually executing ideas inspired by others is allowed only if not syncing trades in real time. |
| HFT / tick scalping | Banned — tick scalping and latency arbitrage trading are explicitly listed as prohibited; opposite trading/hedging across multiple accounts is also banned. |
| Trading bots / AI | Limited — "AI-generated strategies that you've created, adjusted, and tested yourself" are allowed; black-box/third-party bots and robots built to pass the challenge are prohibited. Core principle: "if you're not making the decisions... we can't assess your trading ability." |
| News trading | Not addressed — these EA/copy-trading FAQ pages contain no explicit news-trading rule (verify the full prohibited-strategy list).verify |
| Automation platforms | TradingView, MetaTrader 5, cTrader (MT5/cTrader support EAs/automation natively). |
Verbatim policy from Fintokei. Items flagged verifyare unconfirmed — check the firm’s terms for your product. Educational information, not trading advice.
Looking to compare automation rules across firms? See our best prop firms for AI, algo & EA trading ranking.
What you trade on & what binds the funded account
Platforms & funded-account rules
What binds a funded account: platforms, post-funding consistency, scaling, refunds, time and position limits, weekend / news rules. Each value links its ↗ source; = explainer; verify = unconfirmed.
Trading platforms provided
Payouts & timing
First payout
SwiftTrader: first payout unlocked after hitting the first 10%+ profit milestone, then bi-weekly. StartTrader/ProTrader: first-payout timing not separately published. Fee typically refunded with the first payout on passing. verify
Profit-split scaling
StartTrader 50%–100% (dynamic Performance Reward); SwiftTrader 100%; ProTrader 80% initial. Payouts every 14 days; min withdrawal $100; instant-payout option.
Refundable fee
One-time fee; refund of the fee is typically returned with the first payout on passing (common Fintokei practice). No separate activation fee. verify
Funded consistency rule
Virtually Funded (funded) — max 1% of profit (calculated from starting balance) may come from a single day; max risk on open trades -3%. Eval phases use a 40%-of-target single-day cap. Gambling detection can trigger additional consistency enforcement (stop-loss requirement, max risk/day caps, daily profit cap, reduced leverage, news restriction).
Funded-account rules & cost
Cost
Cheapest entry = ProTrader $10K @ $99 one-time (StartTrader $5K @ $44 is the lowest absolute price). Range ~$44 (StartTrader $5K) up to $2,399 (ProTrader $400K). One-time evaluation fee (not a monthly subscription — forex/CFD firm).
Time limit
StartTrader 180 days max per phase; SwiftTrader & ProTrader no time limit per phase; Virtually Funded / funded account has no time limit (only the 1-trade/30-day activity rule).
Inactivity rule
Must open at least 1 trade per 30 days; if no open trade in any 30-day period the account is closed. Applies to evaluation and funded.
Max position / lot limit
No fixed lot/contract cap; risk is constrained via leverage (FX/Gold/Silver 1:25, Indices 1:20, other 1:10 on Start/Swift; 1:100/1:50/1:20 on ProTrader) and the -3% max-risk-on-open-trades rule. Setting maximum daily lot exposure can be imposed only as gambling-enforcement.
4 plans · per-plan detail
Rules by account plan
Every plan’s model, rules and size/price matrix. = explainer · ↗ source = firm’s page · verify = unconfirmed. Compare against other firms →
StartTrader
Three-step evaluation with up to 100% profit split, a 2% profit target and on-demand payouts — suited to patient traders who don't mind a longer, lower-pressure runway to funding.
Sizes & price
| Account size | Entry price |
|---|---|
| $5K | $44 |
| $20K | $119 |
| $50K | $244 |
| $100K | $419 |
Time limit 180 days max per phase; Virtually Funded has no time limit. (Earlier research cited a $10K size — current page lists $5K/$20K/$50K/$100K.) $50K is most popular.
Rules sourced from official pages — StartTrader rules hub. Promo terms change; confirm at checkout.
SwiftTrader
One-step evaluation with up to 100% profit split, a 10% profit target and weekly payouts — suited to confident traders who want funding quickly without a second phase.
Sizes & price
| Account size | Entry price |
|---|---|
| $10K | $119 |
| $20K | $179 |
| $50K | $369 |
| $100K | $599 |
| $200K | $1,299 |
Max trading period unlimited (1 trade / 30 days required). One trade must close per month. $50K is most popular.
Rules sourced from official pages — SwiftTrader rules hub. Promo terms change; confirm at checkout.
ProTrader
Two-step evaluation with up to 80% profit split, a 8% profit target and weekly payouts — suited to steady, risk-controlled traders happy to prove consistency over two phases.
Sizes & price
| Account size | Entry price |
|---|---|
| $10K | $99 |
| $20K | $159 |
| $50K | $319 |
| $100K | $529 |
| $200K | $1,149 |
| $400K | $2,399 |
Higher leverage than StartTrader/SwiftTrader (FX 1:100). No time limit per phase.
Rules sourced from official pages — ProTrader rules hub. Promo terms change; confirm at checkout.
ProTrader Swing
Two-step evaluation — suited to steady, risk-controlled traders happy to prove consistency over two phases.
Sizes & price
| Account size | Entry price |
|---|---|
| $50K–$400K range (earlier research) | Not statedverify |
The official ProTrader page mentions ProTrader Swing but provides no separate pricing/leverage/split, and the program-overview FAQ lists only ProTrader / StartTrader / SwiftTrader. Treat ProTrader Swing as an UNVERIFIED trading-style note under ProTrader (news/weekend holding generally permitted; leverage typically reduced for overnight/weekend holding) rather than a distinct program until a dedicated official page is confirmed.
Rules sourced from official pages — ProTrader Swing rules hub. Promo terms change; confirm at checkout.
Rule glossaryEvery term on this page, in plain English
- Profit target
- The percentage gain a trader must achieve on a challenge or evaluation account to advance to the next phase or become funded. It is usually measured against the starting balance and must be met without breaching any loss limit.
- Max daily loss
- A cap on how much an account may fall within one trading day, measured from either the day's starting balance or starting equity. Breaching it typically fails the account, even if the overall loss limit is untouched.
- Max overall loss
- Also called maximum total loss or overall drawdown — the furthest an account may fall from its baseline before it is failed. Whether the baseline is fixed or moves with profits depends on the drawdown type.
- Static drawdown
- A maximum-loss level calculated once from the starting balance and held fixed for the life of the account. Profits do not raise it, so the buffer below your equity grows as you gain.
- Trailing drawdown
- A maximum-loss level that follows the account upward as it reaches new equity or balance highs, locking in some gains. Once it ratchets up it usually does not fall back, so giving back profits can still breach it.
- End-of-day (EOD) drawdown
- A trailing drawdown that recalculates from the highest end-of-day balance rather than intraday peaks. Open-trade spikes during the day do not move the limit — only the closing figure does.
- Minimum trading days
- A requirement to place trades on a set number of distinct days before an account can pass a phase or request a payout. It discourages passing on a single lucky trade.
- Consistency rule
- A limit on how concentrated profits may be — for example, no single day may account for more than a set percentage of total profit. It is meant to reward steady performance over one-off windfalls; breaching it can delay a payout or block a pass.
- Profit split
- The percentage of profits a funded trader keeps, with the rest retained by the firm (e.g. an 80% split means the trader keeps 80%). Advertised "up to" splits are usually ceilings reached only at higher tiers or after scaling.
- Scaling plan
- A structured path that increases a funded trader's account size (and sometimes profit split) after meeting performance and consistency conditions. Terms and timelines vary widely between firms.
- Leverage
- The ratio between position size and the capital backing it (e.g. 1:100 means $1 controls $100 of exposure). Higher leverage amplifies both gains and losses against your drawdown limits.
- Evaluation / challenge
- A simulated trading test — sometimes called a challenge — where a trader must hit a profit target without breaking the rules to earn a funded (or simulated-funded) account. It usually carries a one-time fee.
- Instant funding
- A product that skips the evaluation and grants a funded account immediately, typically for a higher upfront fee and often with stricter rules, lower initial splits, or tighter drawdown than evaluation paths.
- 1-step
- An evaluation that funds a trader after one phase, requiring a single profit target to be hit within the loss limits. Fewer phases can mean a tighter target or drawdown.
- 2-step
- An evaluation split into two phases, each with its own profit target, before funding. The two-phase structure is the most common model across the industry.
- 3-step
- An evaluation with three sequential phases before funding, usually with lower per-phase targets spread across the stages. More phases can mean a longer path but gentler individual targets.
- Payout / withdrawal cycle
- The schedule and conditions for withdrawing funded profits — for example, on-demand, bi-weekly, or monthly, sometimes after a minimum profit or a set number of trading days. Early-payout terms and minimums vary by firm.
- Prohibited strategies
- Approaches a firm bans in its rules — breaching them can void profits or fail an account. Commonly restricted styles include martingale, grid, certain hedging or arbitrage, high-frequency or tick scalping, news trading, copy trading, and all-in gambling-style bets.
- Martingale
- A strategy that raises trade size after each loss in an attempt to recover prior losses with one win. Firms often prohibit it because it concentrates risk and can blow through drawdown limits quickly.
- Grid trading
- A system that places a ladder of buy and sell orders at fixed intervals regardless of direction. It is frequently restricted because it can build large, correlated exposure that strains risk limits.
- Hedging
- Opening opposing positions in the same or correlated instruments to offset risk. Some firms allow internal hedging but prohibit hedging across accounts or between traders to game evaluations.
- Arbitrage
- Profiting from price discrepancies between brokers, feeds, or instruments, including latency arbitrage. It is commonly banned because it can exploit a firm's simulated pricing rather than reflect genuine market skill.
- HFT / tick scalping
- High-frequency trading and tick scalping involve large numbers of trades held for seconds or less, often automated. Firms frequently restrict them, sometimes via minimum hold-time rules, because they can exploit feed latency.
- News trading
- Opening or holding positions through scheduled high-impact news events to capture volatility. Some firms restrict trading within a window around major releases on evaluation or funded accounts.
- Copy trading
- Automatically replicating one account's trades onto others, or copying signals from a third party. Firms often limit it to a trader's own accounts and prohibit copying between unrelated traders.
- Expert Advisors (EAs)
- Algorithms or robots — often MetaTrader Expert Advisors — that place trades automatically. Policies range from fully allowed to banned; many firms permit personal EAs but forbid shared or exploit-oriented bots.
- Gambling / all-in
- Staking an outsized share of the account on a single trade in hope of a fast pass. Firms restrict it because it relies on luck rather than risk management and undermines consistency rules.
Educational definitions only — not trading advice, and no outcome is guaranteed. The exact meaning of any rule depends on the firm’s own terms for your specific product; always verify there before relying on it.
Want the full reference? See the prop-firm rule glossary.
The field, in bars
How the profit split compares
Headline (“up to”) maximum vs the field — ceilings gated behind tiers or scaling, not what every trader gets.
Profit split — headline maximum (%)
Higher is betterBalanced view
Pros, cons & open risks
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.
Do this first
What to verify before buying
Confirm each of these for your exact product:
- 01Whether your chosen plan's max drawdown is trailing or static.
- 02The full prohibited-strategy list and any news/weekend-holding restrictions.
- 03Payout methods, fees, and the exact minimum-profit-per-payout rule.
- 04The legal entity and jurisdiction governing the simulated-account contract.
- 05That the promo code (NEW20/RELOAD50) applies to your chosen challenge and size.
The Prop Examiner
Our verdict
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.
Reference link
Go to Fintokei
Common questions
Fintokei FAQ
- What is Fintokei's profit split?
- StartTrader 50–100%; SwiftTrader 100%; ProTrader/Swing 80%. Confirm the split for the exact product you buy, as it can vary by model and tier.
- How fast does Fintokei pay out?
- Every two weeks; advertised average payout time '3h 4m'. Payout speed and eligibility depend on the product and on meeting the firm's rules; no payout is guaranteed.
- What account sizes does Fintokei offer?
- StartTrader $5K–$100K; SwiftTrader $10K–$200K; ProTrader $10K–$400K; Swing $50K–$400K. Headline maximums are ceilings reached via scaling, not the size you start with.
- Does Fintokei have a discount code?
- The Prop Examiner has no affiliate relationship with Fintokei at this time. Check Fintokei's own site for any current promotions and confirm the total at checkout.
- Is Fintokei worth it?
- Established backing and strong platform support; verify per-plan drawdown and payout terms. Read the rules for your exact product, treat headline numbers as ceilings, and start with the smallest suitable plan — prop challenges are simulated/educational products and most buyers do not reach a payout.
Cited & dated
Sources
Every figure traces to a Fintokei source below, accessed on the date 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
Sponsored · firm-neutral
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