The5ers: Information and detailed review

Four programs, and they are genuinely different products

The5ers has been operating since 2016 under FIVE PERCENT ONLINE LTD, registered both in Israel (company 515864007) and the UK (12553363). It runs four programs that differ far more than most firms' tiers, and the right one depends less on your budget than on how you trade.

High Stakes is the flagship: a 2-step evaluation on accounts from $2.5K to $100K, with a 10% maximum loss, a 5% daily limit and 1:100 leverage — the loosest risk model and the highest leverage in the catalogue. It splits into two entry tiers, New (10% then 5% target) and Classic (8% then 5%), which are treated as separate programs for account limits.

Hyper Growth is a one-step challenge with a 10% target, a much tighter 6% stop-out and a 3% daily pause, on 1:30 leverage. Its appeal is the growth curve: the account doubles on every 10% target and can reach $4,000,000.

ProGrowth shares Hyper Growth's 6% maximum loss and 3% daily limit but scales conventionally, on sizes from $5K to $50K.

Bootcamp is a 3-step evaluation with the gentlest targets (6%, 6%, 6%, then 5% funded) and the tightest risk (5% max loss, 4% when funded). Its distinguishing feature is how you pay for it.

The newer 1-Step and 2-Step plans, on $100K accounts

Alongside those four sit two simplified plans built around a single $100,000 account, and they are the cleanest products in the range because the rules do not change when you get funded.

The 1-Step asks a 10% target against a 6% maximum loss, a 3% daily limit and a 50% consistency requirement — and those exact same four numbers carry over to the funded account unchanged. Pass and you move straight onto $100,000.

The 2-Step comes in two prices: New at $149 (10% then 5%) and Classic at $179 (8% then 5%). Both run a 10% maximum loss and a 3% daily limit, and crucially carry no consistency rule during either evaluation phase — the 50% requirement appears only once funded.

There is also a $200K tier: $249 for a 10%/5% target or $279 for 8%/5%, with an 80/20 split and no scaling — the balance stays fixed at $200,000. Total buying power across these plans is capped at $600,000 per trader.

Bootcamp splits the fee in two, and the second half is the big one

You pay a small entry fee to start and the rest only when you pass:

• $20K account: $22 entry + $50 on success = $72
• $100K account: $95 entry + $205 on success = $300
• $250K account: $225 entry + $350 on success = $575

The entry price is what appears on comparison tables, so Bootcamp looks three to four times cheaper than it is. It is still good value — The5ers frames it as $475–$715 of funding per dollar spent — but budget for the second payment.

The drawdown grows with your profits instead of trailing behind them

This is the mechanism that most distinguishes The5ers, and it works the opposite way to the trailing models used elsewhere.

The maximum loss is a fixed dollar amount subtracted from your initial balance, and it never moves up behind you. Because the floor stays put while your equity climbs, every dollar of profit you leave in the account widens your room to breathe.

The5ers' own example: a $10,000 Hyper Growth account with a 6% maximum loss closes out at $9,400. Grow it to $10,300 and your drawdown allowance is now $900 rather than $600 — the floor is still $9,400. Keep profits in and the account becomes progressively harder to lose.

The corollary matters just as much: withdrawing reduces the balance and therefore shrinks that cushion back down. The trade-off between taking money out and building safety is explicit and entirely yours to manage.

The limits by program: 10% maximum loss on High Stakes, 6% on Hyper Growth and ProGrowth, 5% on Bootcamp evaluation and 4% funded.

The daily limit takes the higher of balance or equity

Daily limits are measured from a snapshot at 00:00 MT5 server time (GMT+2 in winter, GMT+3 in summer), and the snapshot takes whichever is higher, your balance or your equity.

That detail favours the trader. If your balance is $105,000 but a floating loss puts equity at $104,000, the daily limit is calculated from the $105,000. On a $100K High Stakes account sitting at $110,000 equity at 23:59, the next day's 5% floor is $104,500.

The percentages: 5% on High Stakes, 3% on Hyper Growth, ProGrowth and the 1-Step and 2-Step plans, 3% on funded Bootcamp accounts.

Daily pause versus daily loss: one closes the day, the other kills the account

The distinction is critical and easy to miss because the numbers look identical.

On Hyper Growth at every stage, and on funded Bootcamp accounts, the 3% limit is a Daily Pause. Hit it and all open trades close, the account is disabled, and it reopens the next day at 00:00. You lose the day, not the account.

Everywhere else — High Stakes, ProGrowth, the 1-Step and 2-Step plans — breaching the daily loss terminates the account permanently.

Consistency applies at payout, not as a pass/fail rule

The consistency rule decides when you can withdraw or scale, never whether you failed. The5ers is explicit: exceeding it does not fail your account, and there is no cap on how much you can make in a single day.

The formula is straightforward:

Best trading day ÷ profits from profitable days × 100 = consistency percentage

Under a 50% rule, a best day of $1,500 requires $3,000 in total profit. Under a 30% rule, that same $1,500 day requires $5,000. If you are short, you keep trading until the total catches up.

Two details are worth pinning down. It is calculated on accumulated profitable trades, not net daily profit. And it is measured against your profits, not your account size — a 50% rule on a $100K account does not mean you may make $50,000 in a day.

The 2-Step plan has no consistency rule during the evaluation phases at all; the 50% requirement only appears once you are funded.

A profitable day has a minimum, and it is not just any green day

High Stakes requires 3 profitable trading days to pass each phase and to qualify for scaling. On High Stakes and ProGrowth alike, a day only counts if closed positions produced at least 0.5% of the initial balance. On a $100K account that is $500; on a $5K account, $25.

The calculation is specific: Minimum(midnight balance, midnight equity) − previous day balance. A day that closes $300 up on a $100K account does not count.

Hyper Growth has no minimum days or trades at all for completing Level 1 — you pass the moment you hit the target.

News, weekends and automation

Holding through news is allowed on every program. What is restricted is executing orders around it.

On High Stakes, no order of any kind — market, stop or limit — may execute from 2 minutes before to 2 minutes after a high-impact release, referenced against Forex Factory on server time. If US CPI lands at 15:30, the window is 15:28–15:32. The rule applies to when an order triggers, not when it was placed, so a pending order that fires inside the window counts as a violation.

The penalty is asymmetric in the firm's favour: profits made in the window are deducted and do not count toward your target, while losses are yours to keep. It is classified as a soft breach rather than a termination.

On Hyper Growth and Bootcamp, news trading is allowed with one specific exception: bracketing — placing buy stops and sell stops on both sides of price ahead of a release.

Weekends and automation

Overnight and weekend holding is allowed across all programs. Two warnings from the documentation: indices carry high weekend swaps, and Crude Oil charges a −$20 swap that multiplies by ten over the weekend.

No stop-loss is required. The5ers states this explicitly and for every program, Bootcamp included: you can trade without one, though they recommend against it. What is prohibited is a stealth-mode stop-loss — if you use one, it must be visible in the platform.

EAs are permitted and you may use any you own, provided it does not copy third-party signals, tick scalp, run latency, reverse or hedge arbitrage, perform HFT, or use emulators. One further condition: you must own the EA's source code. Expert advisors that scalp the rollover to exploit the price feed are named specifically, as are EAs from a provider where other traders hold the same positions.

Copy trading between your own accounts is allowed, with a ceiling: once your total managed capital reaches $500K across all programs, copying across accounts stops being permitted. Multiple Bootcamp accounts must each run a different trading method.

The prohibited list

Arbitrage on price discrepancies, high-frequency trading measured in seconds or less, bulk trading (many trades opened simultaneously, which they read as evidence no human is behind the strategy), bracketing around news, exploiting platform errors or price display delays, and trade coordination or copy trading with other people's accounts. Accounts using prohibited EAs are cancelled, banned and not refunded.

Payouts, refunds and the credit that is not money

The first withdrawal comes 14 days after the funded account is activated, then every 2 weeks from the last approved one. If your account scales, the 14-day timer resets from the scaling date — worth knowing before you scale right before a payout.

The minimum is $150 in profit on High Stakes, and processing takes up to 3 business days.

The newer 1-Step and 2-Step plans work to different numbers, and they cap what you can take. Both require a minimum of $250 in profit and limit each cycle to $2,000; the $200K plans raise the cap to $3,000 and pay an 80/20 split. If you are targeting large single withdrawals, those ceilings matter more than the split does. Four methods are supported: Rise, bank transfer, crypto and card, and the commission is 3.5% per withdrawal. Crypto handles requests under $1,500 (USDT on Tron, USDC on Ethereum, ETH or LTC); anything larger goes through Rise, whose email must match your The5ers account.

A payout request puts the account into "waiting for risk" — a routine review that can take up to 72 hours.

The fee comes back in stages, and part of it is not cash

This is where reading carefully pays. On High Stakes, the refund is split three ways:

• Pass Step 1: 10% of the fee as Hub Credits
• Pass Step 2: a further 20% as Hub Credits
• Funded: 70% as a real cash refund, paid with your first payout, provided you have made $150 of profit and held the account 14 days

Hub Credits cannot be withdrawn. They buy new evaluations inside The5ers and nothing else. So on a $545 account, roughly $163 returns as store credit and $381 as money.

The 1-Step plan works differently again: 10% back as Hub Credits on funding, then a 90% cash refund included in your third payout.

Scaling, and the salary above it

High Stakes scales on every 10% target, up to $500,000, with the split running from 80% to 100%. Above that sit fixed monthly payments: reach a $350,000 balance and you earn $4,000 a month; reach $500,000 and it becomes $10,000 a month, credited to the account and withdrawable on the next cycle.

Hyper Growth doubles the account on every 10% target, to a ceiling of $4,000,000. The split starts at 50/50 during evaluation and rises to 75/25 when funded — and it is worth reading the scaling table rather than the headline, because 75/25 holds all the way from $5,000 up to $150,000. The move to 80/20 and beyond only arrives in the upper reaches, at $400,000 and above. "Up to 100%" is the ceiling of a long climb, not the starting point. Milestone bonuses run from $15 up to $1,600, paid as Hub Credits.

Bootcamp scales on every 5%, with the split climbing from 50% to 100%.

Costs, platforms and the practical details

Forex commission is $4 per lot round trip ($2 each way). Indices carry no commission. Crypto, metals and oil use percentage-based commissions. Spreads on EUR/USD, GBP/USD and USD/JPY run 0.2 to 0.9 pips in normal conditions.

There are no recurring or hidden fees. The only later charge is Bootcamp's second instalment.

Swap-free (Islamic) accounts are available on the funded stage, arranged through support rather than at checkout.

Platform choice is permanent, and depends on where you live

Non-US clients can use MetaTrader 5, cTrader or TradingView. US-based clients can only use TradingView. cTrader adds a $10 one-time fee on top of the program price.

The choice is final once purchased and cannot be switched. Check it before ordering.

Leverage varies by asset class as well as program. On High Stakes: forex 1:100, indices and metals 1:25, commodities 1:5, crypto 1:2 — with a temporary reduction to 1:5 on oil for funded $50K and $100K accounts due to volatility. Hyper Growth, ProGrowth and Bootcamp run 1:30.

Instruments cover forex, metals, indices, energies and crypto. Crypto trades weekends; everything else closes Friday night on EET.

Account limits are per program, and they add up

You can hold accounts across programs simultaneously, within each program's own cap:

• High Stakes Classic: 4 accounts — one $2.5K, one $5K, one of either $10K or $25K, one of either $50K or $100K
• High Stakes New: three $2.5K, three $5K, three $10K, one $25K, one of either $50K or $100K
• Hyper Growth: 4 accounts (one $20K, one $10K, two $5K), capped at $40,000 of evaluation capital
• Bootcamp: 4 accounts (one $250K, one $100K, two $20K), each on a different method
• ProGrowth: one of each size

Classic and New count independently, so you can hold both — except at $50K and $100K, where only one across the two is allowed.

Accounts cannot be merged or transferred. Every account stays standalone.

Inactivity, identity and compliance

30 consecutive calendar days without opening a brand-new trade expires the account. Holding an existing position or simply logging in does not reset the timer — you must execute a new order. On High Stakes, funded accounts get 60 days instead of 30.

One email address per trader, with no switching allowed, and the account must be in your legal name — KYC will not clear otherwise. Payment must come from a card in your own name; using someone else's disables the account and the payment is refunded to its source.

Multiple devices and IP addresses are fine from the same primary location, but you must not execute trades from two different IPs at once.

KYC is mandatory after passing, handled by a third party, and requires ID, proof of address and date of birth. The5ers notes it has no control over the outcome, since the check is run externally.

The terms add a step most firms do not: The5ers can require a mandatory video interview, and failing to schedule it within five business days of the request is itself grounds for termination.

Anyone over 18 can join, from any country except 35. The excluded list: Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, Cuba, Congo Republic, Crimea, DR Congo, Donetsk, Eritrea, Guinea, Guinea-Bissau, Iraq, Iran, Israel, Kherson, Laos, Lebanon, Liberia, Libya, Luhansk, Myanmar, North Korea, Palestinian Territory, Papua New Guinea, Russia, South Sudan, Sudan, Somalia, Syria, Vanuatu, Venezuela, Yemen and Zaporizhzhia.

Israel is the surprising entry, given the firm is registered there — a legal constraint rather than a business preference. No trading qualifications are required.

One point on regulation

The5ers states plainly that it is not regulated, on the grounds that it is not a financial institution and provides no financial services. It describes itself as a private equity fund trading its own capital through commercial liquidity providers rather than a retail broker, with funded accounts connected to its internal pool accounts. The broker's identity is deliberately not disclosed.

Summary: who this firm suits

The5ers fits a trader who compounds profits in the account rather than withdrawing everything, and who wants the drawdown working with them instead of against them.

It suits you well because of the risk model above all. The maximum loss never trails, so leaving profits in genuinely widens your margin — the opposite of firms where climbing drags your breach level up behind you. The daily snapshot takes the higher of balance or equity, another quiet advantage. Hyper Growth's daily pause costs you a day, not the account. There are no time limits anywhere, minimum days are modest, and Hyper Growth has none at all. Holding overnight and through weekends is allowed across every program, and the scaling reaches $4M on Hyper Growth or a $10,000 monthly salary on High Stakes.

It suits you poorly if you need regulatory comfort: The5ers says outright it is not regulated and does not name its broker. It is a poor fit if you are in one of the 35 excluded countries, a list that includes Russia, Iraq, Lebanon, Laos, Bosnia and Israel. And if you plan to withdraw everything each cycle, the growing-cushion model works against you — you are resetting your own safety margin every time.

Three things to understand before buying. Bootcamp's advertised price is only the entry fee; the real cost is up to eight times higher and falls due when you pass. Platform choice is permanent and US traders are limited to TradingView. And 30 days without opening a new trade expires the account — an open position is not activity.