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Comparison · Forex

Getting paid at RZR Funded and QT Funded

The main difference between these two firms lies in the balance between entry costs and payout speed: while RZR Funded offers extremely cheap entry points for small accounts and a traditional 14-day cycle, QT Funded provides much faster access to capital through 4-day cycles but often requires significant activation fees upon passing.

Updated on

The split

RZR Funded maintains a consistent 80% profit split across all its programs. This can be upgraded to 90% or even 95% by purchasing specific add-ons during the checkout process.

QT Funded offers a more varied structure depending on the plan chosen. The QT ONE accounts start at 70%, the QT TWO and QT Power plans offer 80% (upgradeable to 90%), and the QT INSTANT accounts allow traders to keep 100% of the profits, making it one of the most aggressive splits in the industry.

How often you can withdraw

RZR Funded operates on a standard 14-day cycle for all programs (Express, Enhanced, Instant). Traders can shorten this to a 7-day cycle if they purchase the "Weekly Payout" add-on.

QT Funded is significantly faster for specific accounts. Both QT ONE and QT INSTANT allow for a 4-day payout cycle. The QT TWO and QT Power plans follow the more traditional 14-day cycle.

Minimums and methods

RZR Funded is very accessible for small withdrawals, with a minimum requirement of just $20 for most programs (except EnhancedX, which requires 2% of the starting balance). Payouts are processed via Crypto, Bank Transfer, and PayPal.

QT Funded sets a higher bar, requiring at least $100 (or 1% of the profit) to request a withdrawal. For their INSTANT accounts, they require a 3% profit buffer to be generated before the first payout. They process payments through Crypto, Bank Transfer, and Credit/Debit cards.

What delays a payout

Several rules can postpone or cancel your rewards at both firms. At RZR Funded, the "3-minute rule" is crucial: the majority of your trades must last longer than three minutes. Additionally, the EnhancedX plan enforces a 35% consistency rule, meaning no single day can account for more than 35% of your total profit.

At QT Funded, the main hurdle is the mandatory Stop Loss rule for QT TWO and QT INSTANT funded accounts, which must be placed within 60 seconds of opening a trade. They also apply consistency rules: 35% for QT Power and 30% for QT INSTANT. Furthermore, news trading is strictly restricted in QT TWO funded accounts, with a 10-minute window (5 before/5 after) where no trades can be opened or closed.

What it takes to get there

To reach that first payout, you must first clear the evaluation or purchase an instant account. RZR Funded is the choice for those looking for a low initial investment; you can start a $2,000 challenge for just $39. Their 1-step $100k challenge costs $529. They offer MT4 and MT5 as platforms.

QT Funded’s path is more expensive due to activation fees. For example, the QT Power $100k evaluation costs $400 but requires a $500 activation fee once passed. However, they offer a wider variety of platforms, including MetaTrader 5, cTrader, and TradeLocker. Both firms allow EAs, but QT Funded requires a pre-approval process, whereas Hantec allows them freely as long as they don't use prohibited strategies like HFT or arbitrage.

Which pays out more comfortably

QT Funded pays out more comfortably for the high-frequency or professional trader who values cash flow, as the 4-day payout cycle on QT ONE and INSTANT is hard to beat. However, RZR Funded is much more comfortable for the retail trader starting with a small budget, as there are no hidden activation fees and the minimum withdrawal of $20 makes it very easy to see the first results of your trading.

Frequently asked questions

Which firm is cheaper to start a $100,000 account, RZR Funded or QT Funded?

RZR Funded is cheaper for a standard evaluation, as its 1-step $100k challenge costs $529 and its 2-step costs $599 with no further fees. While QT Funded's QT Power $100k challenge is initially only $400, it requires a $500 activation fee upon passing, bringing the total cost to $900.

Which firm offers faster payouts, RZR Funded or QT Funded?

QT Funded offers faster payouts, as its QT ONE and QT INSTANT plans allow for a withdrawal cycle of every 4 days. RZR Funded requires a minimum of 14 days, which can only be reduced to 7 days if the trader pays for a specific add-on.

Which firm has more restrictive news trading rules, RZR Funded or QT Funded?

RZR Funded is generally more restrictive during the funded phase, prohibiting any opening, closing, or adjusting of trades 3 minutes before and after high-impact news. QT Funded allows order modifications (adjusting SL/TP) during news events and only applies its 10-minute restriction window to the QT TWO plan, exempting QT ONE, Power, and INSTANT from news rules.

Which firm allows the use of EAs with fewer hurdles, RZR Funded or QT Funded?

RZR Funded allows EAs with fewer hurdles, as they can be used immediately on most plans as long as they avoid prohibited strategies. QT Funded requires all EAs to go through a manual pre-approval process before they can be used on their platforms.

Field by field

QT Funded and RZR Funded, side by side

Rules, plans, platforms, leverage, commissions and payouts of both, with the option to see only what differs.

Head to head

47 differences

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Headquarters

Cape Town, South Africa, Western Cape, 7764, ZA

Suite 201, The Catalyst, Cybercity, Ebène, 72201, Mauritius

CEO

Tanswell Sassman

Bashaar Gokal

Country

South Africa

Mauritius

Foundation

2023

2023

Banned Countries
Cyprus, Iran, North Korea (Democratic People's Republic of Korea), Sudan, Syria, Russia
United States
Assets
Forex, Commodities, Indices, Crypto
Forex, Commodities, Indices, Crypto
Brokers
Quant Tekel
Hantec Markets
Refund
Yes

Only when purchasing with add-on

No
Platforms
Metatrader 5, cTrader, TradeLocker
Metatrader 5
Demo Account
Metatrader 5
ID10255137Password6M!3h%PzFrServerQuantTekel-Server
TradeLocker
IDspreads@qtfunded.comPassword5Tagx>J}SnpKServerQTEKEL
Metatrader 4
ID1005PasswordaGXr8ZzServerHantecMarkets-Server3
Metatrader 5
ID155586PasswordH1Trader!2ServerHantec Markets Holding Limited
Payout Methods
Crypto, Transfer, Card
Crypto, Transfer, PayPal
Payment Methods
Crypto, Transfer, Card, PayPal
Card, Crypto, Neteller, PayPal, Transfer, Skrill
Payout Frequency
  • QT ONE: 4-day cycle
  • QT TWO: 14-day cycle
  • QT INSTANT: 4-day cycle
  • QT Power: 14-day cycle for accounts purchased from August 11, 2026. Accounts purchased on or before August 10 receive the first payout on demand, then move to a 14-day cycle.
  • QT 1 Step (BNPL): 14-day standard cycle
  • QT Bonus (promotional accounts): 30-day cycle
  • Express, Enhanced, EnhancedX: 14 days standard, 7 days with "Weekly Payout" add-on. First reward 14 days from first trade.
  • Instant Funding, Instant Lite, Instant24: 14 days standard, 7 days with Weekly Payout add-on.
  • Endurance: 14 days standard, 7 with add-on.
  • Withdrawals processed within 1-2 business days. Minimum reward: $20 for Express and Enhanced; 2% of starting balance for EnhancedX; $20 for Instant Funding.
Alternative Currency
GBP
No data
Minimum Withdrawal

1% of profit ($100 min) — except QT INSTANT: 5% of profit, and a 3% buffer applies (8% profit must be reached before the first payout request).

$20 for Express and Enhanced; 2% of starting balance for EnhancedX; $20 for Instant Funding/Lite/24.

Forex
50:1
50:1
Metals
15:1
20:1
Energies
10:1
15:1
Indices
20:1
15:1
Crypto
1:1
1:1
Forex
4 / lot
5 / lot
Metals
4 / lot
1 / lot
Energies
4 / lot
1 / lot
Indices
4 / lot
0
Crypto
4 / lot
0
Commission-Free Option
Yes
No
Swap Free
Yes
No
Account Reset

Phase 2 reset available with add-on

10% discount for any retakes

Add-ons
Yes
  • Variable Spreads
  • Usage of EA
  • Swap Free
  • 10% Profit Split Extra (80% → 90%)
  • Refund on First Payout
  • 14 Day Payout cycle
  • 7 Day Payout cycle
Yes
Instant
Yes
Yes
One Step
Yes
Yes
Account scaling
Yes
Yes

Once you've successfully completed your Challenge, you'll be able to choose between receiving an RZR Funded account with the same simulated balance as your Challenge account or upgrading your Challenge account at no additional cost.

If you pass the Challenge again with the increased balance, you'll face the same decision: move up to the next simulated balance level or switch to the RZR Funded account.

Two Steps
Yes
Yes
Max Drawdown
  • QT ONE: 6% static
  • QT TWO: 8% static
  • QT INSTANT: 6% trailing, locked at starting balance once a withdrawal is made
  • QT Power: 8% static
  • QT 1 Step (BNPL): 6% trailing
  • Enhanced, EnhancedX: Static
  • Instant Funding, Instant Lite, Express: Trailing (balance based)
Profit Split
  • QT ONE: 70%
  • QT TWO: 80%
  • QT INSTANT: 100%
  • QT Power: 80%
  • QT 1 Step (BNPL): 80%
    Upgradeable to 90% with the "10% Profit Split Extra" add-on on eligible plans.

80% base split on all programs. Up to 90% with the optional 90/10 Profit Share add-on at purchase. Some marketing copy mentions up to 95% with additional add-ons stacking.

Free Trial
No
No
Daily Drawdown
  • QT ONE: 3% trailing (fixed amount, threshold recalculated daily on the higher of previous close balance or equity)
  • QT TWO: 4% fixed (balance-based)
  • QT INSTANT: 3% fixed
  • QT Power: 4% fixed
  • QT 1 Step (BNPL): 3% daily trailing
  • Instant Funding: Balance-based
  • Instant Lite, Express, Enhanced, EnhancedX: Highest balance or equity recorded at the end of the day (EOD high-watermark)
Three Steps
No
Yes
Max Allocation
  • Max total funded allocation: $300,000
  • Max Instant funded allocation: $100,000
  • No duplicate asset trading when at limit

Maximum allocation $400,000 total across all challenge and RZR Funded accounts. Traders can hold multiple accounts of the same size (e.g. 2×$200K at once). Scaling plan up to $200K free of charge (NOT available on Instant Funding).

Merge Accounts
Yes
No
Maximum Trading Days

Unlimited

Unlimited

Minimum Trading Days
  • QT ONE: no minimum on the evaluation (can pass in a single day); 4 days when funded
  • QT TWO: 4 days per phase
  • QT INSTANT: 4 days when funded
  • QT Power: 4 days in each evaluation phase and 4 days per funded payout cycle
  • QT 1 Step (BNPL): no minimum on the evaluation; 5 days when funded
No data
Monthly Competition
No
Yes
Minimum Profitable Days
  • QT TWO: 4 days of +0.5% profit per cycle
  • QT INSTANT: 4 days of +1% profit per cycle
  • QT ONE: not required
No data
Expert Advisor (EA)
Limited

Before using EAs, they must go through a pre-approval process.

Limited

Express, Enhanced, EnhancedX, Endurance

  • EAs allowed as long as they do not perform any restricted strategies.

Instant Funding, Instant Lite, Instant24

  • EAs PROHIBITED on Instant Funding.
VPN
Yes
Yes
Hedging
Yes
Limited

Hedging is allowed within each individual account but PROHIBITED across separate accounts.

Requires Stop Loss
Yes

A Stop Loss must be placed within 60 seconds of opening a trade. Applies to QT TWO and QT INSTANT (funded accounts). QT ONE has no stop loss rule.

No
Scalping
Yes
No

The majority of the traders must last longer than 3 minutes

Stacking / Layering (DCA)
No

Cannot have three or more open positions on the same asset at the same time (only funded account

Yes
Maximum Risk Limit
Yes
  • QT ONE (Funded): 1% max floating loss across all open positions
  • QT TWO (Funded): 1% max floating loss (first violation is a soft breach, second is a hard breach)
  • QT TWO (Evaluation): exposure must stay under 75% of the daily drawdown limit
  • QT INSTANT (Funded): 1% max exposure per instrument
  • QT Power (Evaluation): exposure must stay under 75% of the daily drawdown limit
  • QT Power (Funded): no exposure limit
  • QT 1 Step (BNPL, Funded): 2% floating loss
Yes
  • Proportionate monitoring of excessive or abnormal margin usage. No fixed margin cap per asset or connected accounts.
Copy Trading
Yes

Allowed without restrictions when allocation is lower than $300,000.
Not allowed when the allocation is $300,000 or above.

Yes
News Trading
Limited
  • No new entries or exits within the 10-minute window around a restricted news event (5 minutes before and 5 minutes after).
  • Order modifications ARE permitted during that window: adjusting stop loss, modifying take profit and cancelling orders.
  • Positions or limit orders placed more than 5 minutes before the release (with SL and TP set) may remain open or be triggered during the event.
  • Restricted releases: CPI, FOMC statement and meetings, Non-Farm Payrolls and USD PMI. Red folder events restrict every pair involving that currency and any index priced in it.
  • News source: Forex Factory.
  • The News Rule does NOT apply to QT ONE, QT INSTANT, QT Power or QT 1 Step (BNPL) accounts.
Limited

Challenge phase (Express, Enhanced, EnhancedX, Endurance)

  • No restrictions on trading during news events. Caution advised due to volatility/slippage.

Funded phase (RZR Funded Accounts on Express/Enhanced/EnhancedX)

  • News trading is restricted. Trades may not be opened, closed or adjusted 3 minutes before or after high-impact news events (Forex Factory red folder).

Instant Funding, Instant Lite, Instant24

  • News trading prohibited. Trades may not be opened or closed within 3 minutes before/after high impact news events.
Inactivity Rule
  • QT TWO: no inactivity rule
  • QT INSTANT, QT Power, QT 1 Step (BNPL): 14 days
  • QT ONE: the comparison table states 7 days while the plan article states 14 days; confirm with support before relying on it.
    The period runs from the purchase date if no trade has been placed, or from the most recent closed trade.

If no trade is placed for 30 consecutive days, this is treated as a Hard Breach and the account is closed.

Consistency Rule
Yes
  • QT INSTANT: 30%
  • QT Power: 35% in both evaluation and funded
  • QT 1 Step (BNPL): 20%
  • QT ONE, QT TWO: no consistency rule
Limited

Express Challenge (1 Step)

  • No consistency rule.

Enhanced Challenge (2 Step)

  • No consistency rule.

EnhancedX (2 Step)

  • 35% consistency: (Best day profit / Total profit) * 100 must be ≤ 35%. Calculated on end-of-day equity (00:00 server time). Applies to Challenge AND RZR Funded account stages. Can be removed in challenge phase via "Remove Consistency" add-on (persists in Trader Account). Reward requests withdraw the full account profit, not a partial amount.

Endurance (3 Step)

  • No consistency rule.

Instant Funding

  • No consistency rule.

Instant Lite

  • 20% consistency: (Best day profit / Total profit) * 100 must be ≤ 20%.

Instant24

  • 15% trade consistency.
Hold Weekend
Yes
Limited

Express, Enhanced, EnhancedX, Endurance

  • Weekend holding allowed. Caution advised due to gap risk.
  • Crypto can be traded over the weekend.

Instant Funding, Instant Lite, Instant24

  • Weekend holding NOT allowed. All trades must be closed by Friday 23:45 GMT+3.
Prohibited Strategies
  • All-or-Nothing
  • Latency Trading
  • Arbitrage Trading
  • High-Frequency Trading
  • Tick scalping
  • Reverse Trading or Group Hedging
  • Order book spamming
  • Flooding the server with messages due to incorrect use of algorithm
  • One side betting
  • Trading behaviours that the Risk Department deem Toxic
  • Exploiting platform or pricing errors / latencies
  • Collusion with others to manipulate prices or coordinate trading
  • Scalping for quick profits from minor price changes (majority of trades open <3 minutes)
  • Third-party or marketed strategies to pass the Challenge
  • Automated algorithms for manipulative trading practices
  • Unauthorised access or use of another customer's account
  • Arbitrage between Demo Account and any other account
  • Trading under multiple accounts using different registration details
  • High-Frequency Trading (HFT)
  • Reverse trading / group hedging
  • Overleveraging, overexposure or one-sided bets (≥85% margin across one or connected assets)
  • Hedging across multiple accounts
  • All or nothing trading
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