Entry price
The upfront cost varies significantly depending on the level of risk you are willing to accept and the speed at which you want to be funded.
- Fintokei $100,000 ProTrader (2-Step): $549.
- Funding Traders $100,000 2-Step Pro6 (6% Drawdown): $419.
- Funding Traders $100,000 2-Step Pro10 (10% Drawdown): $539.
- Fintokei $100,000 SwiftTrader (1-Step): $499.
- Funding Traders $100,000 1-Step (10% Trailing): $539.
- Funding Traders $100,000 Instant Funded: $679.
While Funding Traders seems cheaper at first glance, it offers "Add-ons" at checkout that alter the price. For example, removing minimum trading days costs an extra 25%, and getting a 14-day payout cycle instead of 21 days is an additional fee. Fintokei includes 14-day payouts and no maximum trading days in its ProTrader accounts by default. Fintokei also has a loyalty program where you earn XP for every purchase, eventually leading to free challenges, while Funding Traders offers a 150% refund bonus as a paid add-on.
What you pay while trading
Operating costs are invisible but erode your profit split every day.
- Commissions: Funding Traders charges $3 per lot by default. Fintokei charges $6 per lot on Forex, Metals, and Energies, though Indices are commission-free.
- Leverage: Fintokei offers up to 100:1 on its ProTrader account, allowing for lower margin requirements. Funding Traders limits Forex to 50:1.
- Profit Split: Both firms start at an 80/20 split. Funding Traders allows you to pay for a 90% or 100% split at checkout. Fintokei's SwiftTrader goes up to 90% by default, and their StartTrader has a dynamic reward that can reach 100% based on trading behavior.
What mistakes cost you
In prop trading, the cost of a mistake is account termination. The drawdown type defines how much "breathing room" you are actually buying.
- Drawdown Type: Fintokei uses Static Drawdown for all evaluations. This means your loss limit never moves toward your balance. Funding Traders uses Trailing Drawdown for its 1-Step and Instant accounts, which is "more expensive" for the trader because the limit follows your peak profit, making it harder to keep the account during a drawdown.
- Risk Rules: Funding Traders imposes a strict 2% maximum risk per trade idea. Exceeding this is a breach. Fintokei does not have a hard stop-loss requirement or a risk-per-trade cap, but it does limit "tick scalping" (trades under 10 seconds) to 10% of total volume.
- Recovery: Funding Traders offers a "Revive" feature for Phase 1 Pro accounts, but it costs the original price of the account plus a percentage of the profit target achieved.
What it costs to get paid
The time and fees associated with withdrawing your money are the final hurdles.
- Frequency: Fintokei pays every 14 days. Funding Traders defaults to 21 days for Pro accounts (unless you pay for the 14-day add-on) and 7 days for Instant accounts.
- Withdrawal Fees: Fintokei charges 2.5% on crypto payouts (plus fixed fees for BTC/ETH). Funding Traders has no specified fee for crypto but requires a $200 minimum for bank transfers via Rise.
- Consistency Barriers: Funding Traders has a 50% consistency rule (no single day can earn more than half your total profit). Fintokei only applies a 40% rule to its StartTrader accounts; for others, consistency rules are only triggered after warnings regarding high-risk behavior.
Where each one hides its cost
Funding Traders hides its real cost in the checkout process. To get a competitive 2-step account with no minimum days and a 14-day payout, you will end up paying significantly more than the base price. Also, their "Instant Funding" requires a 3% profit buffer (Safety Cushion) that you can never withdraw; if you try to withdraw it, the account is closed.
Fintokei hides its cost in higher commissions ($6 vs $3) and crypto withdrawal fees. Additionally, while they allow EAs, their "Consistency Rules" are somewhat subjective, as the firm can reduce your leverage to 1:10 if they deem your style "unsustainable" after a warning.
Cheapest for whom
Funding Traders is the cheaper choice for the disciplined Swing Trader who wants a static 2-step account (Pro6 or Pro10) and doesn't mind waiting 21 days for the first payout to avoid extra fees. It is also the only option for those willing to pay a premium for Instant Funding to skip evaluations entirely.
Fintokei is cheaper for the Active Day Trader who values high leverage (100:1) and static drawdown. Even though the entry price is higher, the lack of "Safety Cushions" and the inclusion of bi-weekly payouts as standard makes it a more transparent financial commitment for those who don't want to deal with a menu of add-ons.
Frequently asked questions
Which 100,000 evaluation is cheaper to start, Fintokei or Funding Traders?
Funding Traders is cheaper for a 2-step evaluation, with its Pro6 account starting at $419, compared to $549 for Fintokei's ProTrader. However, the Funding Traders price can increase if you add features like "No Minimum Trading Days" or "14-Day Payouts," which are often standard or more accessible in Fintokei.
Which firm has lower trading commissions, Fintokei or Funding Traders?
Funding Traders has lower commissions at $3 per lot, whereas Fintokei charges $6 per lot on Forex and Metals. This makes Funding Traders more cost-effective for high-volume scalpers, although Fintokei offers commission-free trading on Indices and Crypto.
Who pays out faster, Fintokei or Funding Traders?
Fintokei is generally faster by default, offering payouts every 14 days on all accounts. Funding Traders requires 21 days for its Pro accounts unless you pay for an add-on, although their Instant Funded accounts can pay out as quickly as every 7 days.
Which firm is more expensive if I violate a risk rule, Fintokei or Funding Traders?
Funding Traders can be more expensive to recover because violating a rule usually requires buying a new account, although they offer a "Revive" option for Phase 1 that costs the full account price plus a profit-based fee. In Fintokei, the cost is the loss of the initial fee, but their static drawdown makes it less likely to hit a breach compared to the trailing drawdown found on Funding Traders' 1-step accounts.
