Detailed Comparison: The5ers vs Finotive (2025)

Innovation One Building, Level 2, DIFC, Dubai, United Arab Emirates

14 Haroshet st, Raanaa, Israel

Oliver Newland

Saul Lokier

United Arab Emirates

Israel

2021

2016

Liquidity Provider

Full refund if profitable 30 days after funding.

Solo FX: The Dashboard and launch announcement say the fee is refunded after 30 funded days if the account is profitable. Schedule 10A-1 says it is refunded upon approval of the first Reward Payment Request. Finotive's Terms state that the Schedule prevails; confirm with support before purchase.

High Stakes: Full refund after passing evaluation.

• Summer 1-Step: 10% of the evaluation fee in Hub Credits once funded.
• Summer 2-Step: 10% Hub Credits after Step One, 20% after Step Two, and 70% fee refund with the third payout.

• Rise: 3.5% per withdrawal
• Crypto: 3.5% per withdrawal
• Bank Transfer: 3.5% + any fees charged by the receiving bank
• Hub Credits: no commission

First payout on demand

• Standard Challenge, Pro Challenge and Instant Standard: 7 days
• Instant Lite: 14 days
• Solo FX: weekly payouts; first request after 14 calendar days in Simulated Funded Status

• First withdrawal: 14 days after your funded account is activated.
• Subsequent withdrawal requests: Every 2 weeks from your last approved withdrawal.
• High Stakes Program: Withdrawals available once a minimum profit of $150 has been reached, subject to the 14-day waiting period.

Crypto: $1,500

• High Stakes $50K: $3,000 payout cap per cycle.
• High Stakes $100K: $4,000 payout cap per cycle.
• Summer 2-Step $100K: $2,000 payout cap per withdrawal.
• Summer 2-Step $200K: $3,000 payout cap per withdrawal.

$4

• High Stakes $2.5K-$25K: $150
• High Stakes $50K: $300
• High Stakes $100K: $500
• Summer Plan: $250

• 2-Step Standard, 2-Step Pro: 100:1
• 1-Step Standard, 1-Step Pro: 50:1
• Instant Standard: 33:1
• Instant Lite: 25:1
• Solo FX: 33:1

• High Stakes: 100:1
• Hyper-Growth: 30:1
• ProGrowth: 30:1
• Bootcamp: 30:1

• 2-Step Standard, 2-Step Pro: 20:1
• 1-Step Standard, 1-Step Pro: 10:1
• Instant Standard, Instant Lite: 5:1

• High Stakes: 25:1
• Hyper-Growth: 25:1
• ProGrowth: 25:1
• Bootcamp: 25:1

• 2-Step Standard, 2-Step Pro: 10:1
• 1-Step Standard, 1-Step Pro, Instant Standard, Instant Lite: 5:1

• High Stakes: 25:1
• Hyper-Growth: 25:1
• ProGrowth: 25:1
• Bootcamp: 25:1

• 2-Step Standard, 2-Step Pro: 5:1
• 1-Step Standard, 1-Step Pro: 4:1
• Instant Standard, Instant Lite: 2:1

• 2-Step Standard, 2-Step Pro: 2:1
• 1-Step Standard, 1-Step Pro, Instant Standard, Instant Lite: 1:1

• High Stakes: 2:1
• Hyper-Growth: 0.6:1
• ProGrowth: 0.6:1
• Bootcamp: 0.6:1

• High Stakes: 5:1
• Hyper-Growth: 1.5:1
• ProGrowth: 1.5:1
• Bootcamp: 1.5:1

The5ers do offer Swap Free accounts on theFunded stage, reach out via support chat or email help@the5ers.com to request yours.

Funded Stage Refresh

• A refresh can only be requested when your account balance is within 10% of the Maximum Drawdown limit
• Resets your account balance back to the original starting equity
• Preserves your profit split rate and any progress made in the Scaling Plan
• There is a maximum of 3 refreshes per funded account
• The price depends on the size of the account

• Swap Free (price depends on the size of the account)
• Weekend Holding for Instant Accounts (20% of account fee)

• Standard Challenge
• Pro Challenge

Every 90 days, traders who meet performance and consistency targets see their account balance grow by 30% and their profit split increase by 5%, without ever having to sacrifice withdrawals.

More detail about it can be found on this link

Hyper-Growth:

High Stakes & ProGrowth:

Bootcamp:

Summer Plan $100K:

The $200,000 Summer 2-Step does not scale; its balance remains fixed at $200,000.

• Standard Challenge
• Pro Challenge

Static

Balance-based

• Standard Challenge: 80% (up to 95% scaling)
• Pro Challenge: 100%
• Instant Standard: 75% (up to 90%)
• Instant Lite: 70% (up to 85%)

Bootcamp and Hyper-Growth: Starts at 50%. It grows up to 100% through scaling
High Stakes and ProGrowth: Starts at 80%. It grows up to 100% through scaling
Summer Plan $100K: 75%/25% (fixed across scaling tiers, limited-time)
Summer 2-Step $200K: 80%/20% (fixed; no scaling, limited-time)

Balance-based

Highest balance or equity recorded at the end of the day (EOD high-watermark).

Daily pause (only Bootcamp): The 3% daily pause applies only to funded accounts. Traders can continue trading the very next day at 00:00 MT5 Server Time.

ProGrowth: 3% daily loss (highest between starting equity or starting balance of the day at MT5 Server Time). No daily pause.

Summer Plan: The EOD calculation uses the higher of balance or equity. Reaching the daily loss limit permanently terminates the account.

• Challenge Accounts (Standard): Up to $600,000 in purchased capital, scalable to $2,040,000
• Pro Challenge Accounts: Up to $600,000 in purchased capital, scalable to $2,040,000
• Instant Funding (Standard): Up to $200,000 in purchased capital, scalable to $680,000
• Instant Funding Lite: Up to $200,000 in purchased capital, scalable to $680,000

High Stakes

• Up to 3 accounts on each of the $2.5K, $5K, and $10K sizes (10% / 5%)
• One account of either $10K or $20K
• One account of either $60K or $100K

ProGrowth

3 accounts max, one of each size ($5K, $10K, and $20K).

Hyper-Growth

$40,000. (eg. you can have 4 X $10K, or 2 X $20K accounts all adding to the max starting capital of $40K)

Bootcamp

3 accounts (one $250K account + two $100K accounts). Each account must have a different trading method.

Summer Plan

Up to 6 active accounts. Two accounts may be purchased together.

Maximum aggregate buying power: $600,000 per trader.

• Up to one $200K 10/5 account and one $200K 8/5 account at the same time.
• Both $200K accounts total $400K, leaving up to $200K for additional $100K Summer Plan accounts.

Unlimited

Hub Credits are used to purchase new programs and are valid for 3 months.

They can be earned through weekly competitions, progress in the High Stakes program, or live stream giveaways.

Minimum profitable days number must be met every time a trader wants to pass an evaluation phase, scale a funded account or request a payout. A day is considered profitable when it reaches at least 0.5% profit

• Challenge 1 Step: 3 days
• Challenge 2 Step: 2 days
• Instant Standard: 0 days
• Instant Lite: 5 days
• Finotive Pro 1 Step: 3 days
• Finotive Pro 2 Step: 2 days
• Solo FX: 4 days with at least 0.5% each

High Stakes: 3 days to pass evaluation (+0.5%)
ProGrowth: 3 profitable days (+0.5% of initial balance)

• Solo FX: all Expert Advisors and automated execution tools are prohibited
• Other programmes: pre-purchased or mass-market “plug-and-play” EAs are not allowed

• Solo FX: VPNs, proxies and location masking are prohibited
• Other programmes: Finotive's Terms prohibit masked or unstable connections when they impair verification of identity, location or account control

• Solo FX: stop loss is not required
• Other programmes: stop loss is required

• Hyper-Growth, ProGrowth and High Stakes: Not mandatory
• Bootcamp: Mandatory. You are not permitted to expose more than 2% of your starting account balance to risk, and the stop-loss must be placed within three minutes of opening any trade.

Solo FX has no specific scalping, rapid-trade-opening, trades-under-60-seconds or HFT restriction. Latency arbitrage and execution abuse remain prohibited.

Floating drawdown is calculated per symbol against the initial account balance.

• Instant Funding: 1.5%. The first confirmed breach produces a formal warning. From the second confirmed breach onward, each separate event records one strike and reduces that payout cycle's reward payment to 10%.
• Funded Challenge and Funded Pro: 2%. Each confirmed breach records one strike and reduces that payout cycle's reward payment to 10%.
• Challenge and Pro evaluation phases: 2%. It is monitored for the progression report but does not trigger a real-time strike or account closure.
• Solo FX: 2.5% during Simulated Funded Status only. A confirmed breach records one strike and reduces that payout cycle's reward payment to 10%.

Bootcamp: Risking more than 2% of the account balance in a single position will be considered a risk violation.

If you have multiple Bootcamp accounts, they will need to be traded with different strategies

When managing $500,000 or more including all your accounts, you are not allowed copy trades between accounts anymore

News trading is allowed. For Solo FX, the Dashboard and launch announcement prohibit news straddling, but Schedule 10A-1 disapplies the Terms section that prohibits it. Confirm this contradiction with Finotive before trading news.

• Hyper-Growth, ProGrowth and Bootcamp: Allowed (except bracketing)
• High Stakes: Not allowed to open/close orders 2 minutes before/after the release (profit deduction only)

Pro accounts — from the 31st funded day

• Weekly trade count and instrument volume must remain within ±25% of the averages recorded during the Pro Challenge and the first 30 funded days.
• During every rolling 90-day period, realised and unrealised profit, including rewards already paid, must total at least 5% of the initial balance.
• Breaching either condition downgrades the account to the equivalent standard funded account and permanently removes the Pro benefits.

Instant Funding Standard and Lite

• At payout, the single most profitable closed trade must contribute less than 60% of total positive realised profit. Requesting a payout while the condition remains active records one Conditional Strike and reduces that payout cycle's reward payment to 10%.

Solo FX

• No specific consistency rule or single-trade profit dependency.

• Summer 1-Step: 50% consistency in Evaluation and Funded Trader stages.
• Summer 2-Step: no consistency rule in Evaluation.
  • $100K funded accounts: 50% applies to profits used for withdrawals or scale-up.
  • $200K funded accounts: 50% applies to profits used for withdrawals; these accounts do not scale.

Weekend holding is available through the optional Weekend Holding Add-On on Instant Funding accounts. Without it, all non-crypto positions must be closed before Friday's 17:00 New York market close; Finotive recommends closing at least 10 minutes earlier. Each confirmed breach records one strike and reduces that payout cycle's reward payment to 10%. Five cumulative strikes permanently close the account.

• Excessive notional volume (not applicable to Solo FX; its exposure is governed by 1:33 margin)
• High-frequency stacking, including correlated instruments (not a Solo FX-specific restriction; latency arbitrage and execution abuse remain prohibited)
• Martingale or grid strategies
• News straddling (the Solo FX dashboard and announcement prohibit it, but Schedule 10A-1 disapplies section 7.9; confirm with support)
• Using ultra-tight stops just to mask oversized lots

• Arbitrage Trading
• High-Frequency Trading (HFT)
• Bulk Trading
• News Bracketing Strategy
• Exploitation of System Errors or Price Glitches
• Trade Coordination / Copy Trading
• One-Sided Trading Strategies
• Rollover Night Scalping Using Expert Advisors
• Third-Party Expert Advisors (Copy Trading EAs)
• Use of Expert Advisors Without Source Code Ownership
• Tick Scalping
• Hedge Arbitrage Trading
• Reverse Arbitrage Trading
• Account Sharing or Account Reselling
• Account Management Services / "Pass Your Challenge" Services