FXIFY vs The Funded Trader: Which Prop Firm Wins in 2026?

Side-by-side breakdown of rules, fees, payouts and who should pick which.

Quick Verdict

The Funded Trader wins on value with a lower entry fee ($39 vs $79) with equal or larger max account size. FXIFY may still win on payout reliability and trader reputation if those matter more to you.

Head-to-Head Comparison

MetricFXIFYThe Funded Trader
Founded20232022
HQLondon, UKDelaware, USA
MarketForex/CFDForex/CFD
Minimum fee$79$39
Account size range$10,000 – $400,000$5,000 – $400,000
Profit split80% (up to 90%)80% (up to 90%)
PayoutsBi-weekly (on-demand after 2 payouts)Bi-weekly
Challenge model1-step, 2-step, or 3-step (trader picks)Standard 2-step, Rapid 1-step, Royal, Knight (3-step)
PlatformsMT4, MT5, cTrader, DXtradeMT4, MT5, DXtrade, Match-Trader

FXIFY Pros

  • Choice of 1/2/3-step models: pick your own difficulty vs reward curve
  • Up to $400K account size: largest in the industry
  • Add-ons (no time limit, 90% split, 125% refund) let you customise risk
  • UK-regulated parent makes payouts legally enforceable

The Funded Trader Pros

  • 4 challenge variants to match trading style
  • Low entry fee ($39) for $5K account: cheapest way to test
  • No consistency rule on most programs
  • Community-driven with active Discord support

Who Should Pick Which?

Pick FXIFY if: Traders who want to customise challenge parameters rather than accept fixed rules.

Pick The Funded Trader if: Traders wanting a cheap entry point or multiple challenge formats to test.

Test Both Against Your Strategy Before You Pay

Run your backtest through JPTradingCapital's Prop Firm Checker. We evaluate your trades against FXIFY's and The Funded Trader's exact rulesets and tell you which one your strategy would actually pass.

Open the Prop Firm Checker →

If the decision is really about who runs the evaluation rather than which firm, our prop firm challenge passing service trades it for you on either firm. The account is bought in your name and we take no share of your payouts.

Full FXIFY and The Funded Trader Reviews

Frequently Asked Questions

Which is cheaper, FXIFY or The Funded Trader?
The Funded Trader is cheaper to start, with a minimum challenge fee of $39. FXIFY starts at $79 and The Funded Trader starts at $39. Cheaper entry doesn't always mean better value. Check the profit split, account ceiling, and payout reliability before deciding.
Which has the better profit split, FXIFY or The Funded Trader?
FXIFY offers 80% (up to 90%) and The Funded Trader offers 80% (up to 90%). Note: most prop firms scale the split with consecutive payouts, so the headline number is just the starting point.
Can I run the same EA on both FXIFY and The Funded Trader?
Yes, both firms support MT4 and MT5 and DXtrade, so any EA compiled for those platforms will run on both. You'd still need to verify each firm's news-trading and scalping rules to make sure your strategy is allowed.
Which is more reputable, FXIFY or The Funded Trader?
FXIFY (founded 2023) has the longer track record. FXIFY was founded in 2023 and is still building its payout reputation. For larger account sizes the older firm is usually the safer pick.
Which is better for swing traders, FXIFY or The Funded Trader?
Swing traders need to check two things: (1) whether the firm allows weekend holds, and (2) whether the daily drawdown is static or trailing. Trailing DD is brutal for swing positions because intraday peak equity becomes the new floor. See the Pros/Cons section above for each firm's specifics.
Can I use both FXIFY and The Funded Trader simultaneously?
Yes, most prop firms allow you to hold multiple accounts at different firms (their rules apply only to their own accounts). Some traders deliberately diversify across 2-3 firms to reduce single-firm risk and stack payouts.