Entry price
The cost of starting depends heavily on the chosen path. Mubite offers three models: Instant, One-Step, and Two-Step. A $100,000 Two-Step account costs $729, while the One-Step version rises to $819. Their Instant Funding is significantly more expensive, costing $4,999 for a $100,000 balance, reflecting the lack of an evaluation phase.
QT Funded presents a more complex pricing structure. Their standard $100,000 QT TWO (Two-Step) is cheaper at $550. However, their "QT Power" and "QT 1 Step" plans use a "Buy Now, Pay Later" style: a $100,000 Power account costs only $400 upfront, but requires a $500 activation fee once you pass, bringing the total "real" cost to $900.
What you pay while trading
Operating costs differ by asset class. Mubite is built for crypto via ByBit, charging commissions between 0.02% and 0.05%. They do not charge payout fees, and holding over the weekend is free.
QT Funded charges a flat commission of $4 per lot across Forex, Commodities, and Indices. Unlike Mubite, QT Funded treats certain features as paid extras. If you want to use an EA, you must purchase an addon. Similarly, Swap-free accounts are not standard and require an additional fee. These small costs can erode your profit margin if your strategy involves high frequency or long-term holds.
What mistakes cost you
In prop trading, the cost of a mistake is account termination. Mubite has a unique risk rule: every trade must keep its realized loss below 3% of account equity. Violating this, or exceeding the 6% to 8% maximum drawdown, results in a loss. However, they offer a $100,000 free trial that gives a 20% discount upon completion, effectively lowering the cost of your first "real" mistake.
QT Funded is significantly stricter on its funded accounts. Plans like QT ONE and QT TWO impose a 1% maximum floating loss across all open positions. This means you cannot "wait out" a drawdown even if it hasn't hit the daily limit; hitting 1% in open losses can end your account. Furthermore, forgetting to set a Stop Loss within 60 seconds on a funded QT TWO account is a hard breach.
What it costs to get paid
The "cost" here is time and liquidity. Mubite allows the first payout on demand (after eligibility), but subsequent withdrawals are restricted to 14-day cycles. Crucially, each withdrawal is capped at 5% of the account size. If you make 12% profit, you can only take 5% out, leaving the rest "locked" for the next cycle.
QT Funded varies by plan. QT ONE offers a fast 4-day cycle, but QT TWO has a 14-day cycle and a 5% profit cap per cycle. Any profit above 5% is removed from the account before the new cycle starts, which acts as a ceiling on your earnings. Additionally, QT Funded requires a "buffer" of 3% profit before the first payout on Instant accounts.
Where each one hides its cost
Mubite hides its costs in the "Addons" menu. To get a 90% profit split or to increase your drawdown by 2%, you must pay a +20% surcharge on the initial price. Scaling also costs time: you need 10% profit over 90 days to grow the account by 25%.
QT Funded hides the bulk of its cost in activation fees. While a $50,000 Power account looks like a bargain at $200, the $500 fee required to actually trade the funded capital makes it more expensive than many competitors. They also have a consistency rule (e.g., 30% for Instant accounts) which can delay payouts if one "lucky" day accounts for too much of your profit.
Cheapest for whom
QT Funded is the cheapest option for Forex traders who can pass evaluations quickly and operate under tight 1% floating loss limits. Mubite is the better value for Crypto specialists who need more "room" per trade (3% loss limit) and prefer a transparent price without hidden activation fees, even if the upfront cost is higher.
Frequently asked questions
Which firm is cheaper for a $100,000 challenge, Mubite or QT Funded?
QT Funded is cheaper upfront for a standard two-step challenge, costing $550 for the QT TWO plan compared to $729 at Mubite. However, if you choose the QT Funded Power plan, you pay $400 initially but must pay a $500 activation fee later, making the total cost $900, which is more expensive than Mubite.
Which firm allows the first payout faster, Mubite or QT Funded?
QT Funded can be faster depending on the plan; QT ONE and QT INSTANT offer a 4-day payout cycle. Mubite allows the first payout on demand for One-Step and Two-Step accounts once eligible, but subsequent payouts are locked into a 14-day cycle. QT Funded also requires a 3% profit buffer on Instant accounts before you can withdraw.
Are there higher hidden fees for using EAs in Mubite or QT Funded?
QT Funded has higher specific costs for EAs because they require a paid "Usage of EA" addon and a pre-approval process. Mubite allows self-developed EAs for free as long as you can prove ownership of the strategy, although they prohibit public or third-party bots entirely.
Which firm has stricter risk rules for funded traders, Mubite or QT Funded?
QT Funded is significantly stricter. They enforce a 1% maximum floating loss across all positions on several funded plans and require a Stop Loss within 60 seconds. Mubite allows more flexibility with a 3% realized loss limit per trade and does not mandate Stop Losses, although they are highly recommended.
