Entry price
The initial investment differs significantly depending on the chosen path. QT Funded focuses on low-cost entry points, especially in its "Power" and "TWO" series, while Fundex maintains a more traditional pricing model without back-end activation surprises.
- For a $100,000 account, Fundex charges $529 for its Classic 2-Step. QT Funded charges $550 for the TWO plan.
- The "cheapest" $100k account is QT Funded Power at $400, but this is misleading as it requires a $500 activation fee once funded, bringing the real cost to $900.
- At the $10,000 level, QT Funded TWO is very aggressive at $70, compared to $89 at Fundex.
- Fundex offers a Pro 2-step for $100,000 at $749, which buys a higher profit split (80%) from the start.
What you pay while trading
Beyond the purchase price, the cost of execution determines your daily "burn rate." QT Funded uses a traditional commission model, whereas Fundex relies more on spreads and specific crypto fees.
- QT Funded charges a flat commission of $4 per lot across most assets. This makes high-frequency trading or scalping easy to calculate but adds a fixed cost to every trade.
- Fundex charges commissions on crypto between 0.02% and 0.06%. For other assets, the cost is built into the spread via Pure Market.
- QT Funded offers a "Commission Free" option, but this usually results in wider spreads, which is an invisible cost that can be higher than the commission itself.
- Fundex provides a free $1,000 test account, allowing you to sample execution costs without risking capital, a feature QT Funded lacks.
What mistakes cost you
In prop trading, a mistake often results in a lost account, making the "cost of a reset" or the strictness of risk rules a major financial factor.
- Fundex Classic has a 3-minute minimum holding time during evaluation. Closing a trade earlier is a mistake that costs you a warning first, and eventually the account.
- QT Funded TWO and INSTANT require a Stop Loss within 60 seconds. Forgetting this is an expensive error that leads to a soft or hard breach.
- Fundex limits risk per trade to 3% of the balance during evaluation. This prevents "all-in" gambling but forces a more disciplined, and perhaps slower, growth curve.
- QT Funded Power and INSTANT have consistency rules (35% and 30%). If one trade earns too much of your profit, you must keep trading to "balance" the account, which increases the time-cost and the risk of hitting a drawdown.
What it costs to get paid
The real value of a firm is how much of the profit actually reaches your bank account after splits, fees, and limits.
- Fundex allows on-demand payouts processed within 24 hours. There are no profit caps, meaning if you earn $20,000, you keep your full share (70-80%).
- QT Funded TWO and 1-Step (BNPL) have a 5% profit cap per cycle. Any profit above this is removed by the firm, significantly increasing the "cost" of being a highly successful trader.
- QT Funded INSTANT offers a 100% profit split, but you must reach an 8% profit buffer before the first withdrawal, and a 3% buffer applies thereafter.
- Minimum withdrawals are lower at Fundex ($50) compared to QT Funded ($100), making it cheaper to extract small gains.
Where each one hides its cost
Every firm has "friction" points that delay or reduce your earnings.
- QT Funded hides its cost in activation fees and consistency rules. The Power account seems like a bargain at $400, but the $500 fee and the 35% consistency rule act as a significant tax on your time and capital.
- Fundex hides its complexity in its "B-Book" logic. Their terms state that funded accounts can be switched to B-Book (simulated) and that payouts are "discretionary bonuses." While they pay quickly, the legal structure gives the firm more control over the "cost" of your success.
- Fundex Classic also has a minimum trading day requirement of 5 days with a specific notional value (5% of balance), preventing you from passing too quickly with "lucky" small trades.
Cheapest for whom
QT Funded is the cheapest for the "budget" trader who wants to practice with a $10,000 account for just $70 and doesn't mind the strict stop-loss rules or profit caps. It is also the better choice for those who need MetaTrader 5 or cTrader, as Fundex is more limited in platform choice.
Fundex is the cheapest for the high-volume or high-profit trader. Despite the higher upfront cost for a $100,000 account, the absence of profit caps and the 24-hour payout window mean you realize your gains much faster. It is specifically designed for those who want to trade crypto and tokenized assets without the payout delays common in the industry.
Frequently asked questions
Which firm is cheaper for a $100,000 2-step evaluation, Fundex or QT Funded?
QT Funded is technically cheaper upfront if you choose the Power account ($400), but it becomes much more expensive once you pass because of a $500 activation fee. If you prefer a single payment, Fundex Classic at $529 is cheaper than the $550 required for the QT Funded TWO account.
Which firm pays its traders faster, Fundex or QT Funded?
Fundex is significantly faster, processing payouts on demand within a maximum of 24 hours, including weekends. In contrast, QT Funded operates on cycles that range from 4 days (QT ONE/INSTANT) to 14 days (QT TWO/Power), meaning you have to wait longer to access your profits.
Between Fundex and QT Funded, which one has more restrictive risk rules?
QT Funded is generally more restrictive due to its mandatory Stop Loss rule (must be placed within 60 seconds on TWO/INSTANT plans) and consistency rules that cap how much a single trade can contribute to your profit. Fundex allows more freedom in trading style but imposes a 3% max loss per trade limit during the evaluation phases.
Do Fundex and QT Funded both allow the use of Expert Advisors (EAs)?
Yes, but with different costs and hurdles. QT Funded requires a pre-approval process before you can use an EA and may require an add-on for certain plans. Fundex allows EAs as long as the strategy is your own, but it strictly prohibits high-frequency trading (HFT) and arbitrage, which are common in many commercial EAs.
