Fintokei
Fintokei is a Czech firm that launched in 2023 and has so far managed to stay out of trouble. Hidden rules score is low, pass rate is decent.. and the reviews don't have that suspiciously positive energy that usually means someone's been busy on Trustpilot. Early days though.
(41% of complaints)
Who Is This Firm For?
About Fintokei
The guardrails are there, they make sense, & most of what you need to know is written where you can find it before you pay — not after you've already taken three hits to the wallet.
- Founded
- 2022
- Max Allocation
- $400,000
- Leverage
- 1:100
- Commissions
- $3/lot
Pros
- - Risk defined by actual numbers — 3% max on open trades calculated by SL or VaR, whichever is lower
- - Rehabilitation approach — restrictions applied before termination when behavior flags
- - Tick scalping threshold clearly defined — over 10% of trades under 10 seconds triggers warning, not instant termination
- - Account structure rules simple and clean — one trader, one identity, one strategy
- - Order size limits disclosed transparently before trading — no hidden surprises at execution
- - 30-day inactivity rule — standard, no artificial pressure
Cons
- - Gambling-like behavior can trigger 40% consistency rule, daily caps and news restrictions retroactively
- - Multiple IPs across different countries not allowed — travel patterns may trigger review
- - Achieving full profit target in one or a few trades not allowed — consistency required throughout
- - Hedging across accounts or traders strictly prohibited
- - Paying for someone else's account not allowed — no gifted challenges
- - One device shared between multiple users not permitted
Support ignored my tickets
A colleague had a bad experience here and I foolishly did not listen. Their consistency rule is nearly impossible to satisfy in real trading. This review will probably get buried by their affiliate reviewers.— Verified Trader (noor k.) See all reviews
The 3% risk rule is calculated from your stop loss or VaR — whichever is lower. Set your SL before you size your position, not after. If your trading gets flagged for gambling-like behavior, expect restrictions to be added before termination — read what triggers the 40% consistency rule before you hit a strong day that suddenly doesn't count toward your payout.
Trading Conditions
Drawdown System
- Maximum risk on open trades: 3% — calculated by SL or VaR, whichever is lower
- Inactivity: 30 days without trade — account inactive
- Profit target cannot be achieved in one or a few trades — consistency required
- If gambling-like behavior detected: reduced leverage and max lot exposure limits applied
High-Frequency & Fast Trading
- Tick scalping defined as: trades opened and closed within 10 seconds
- Over 10% of trades under 10 seconds: warning, then potential termination
- Not Allowed:
- HFT strategies based purely on speed
- One-sided betting during volatility
- All-in trades
- Account rolling
Low Liquidity & Timing
- News trading restrictions may be applied if gambling-like behavior is detected — not a default rule
- No specific session time restrictions in standard conditions
- Multiple IPs across different countries: not allowed
- IP masking: not allowed
- One-sided bets during volatile market conditions: prohibited
Loss-Chasing & Gambling
- Not Allowed:
- All-in trades
- Overleveraging without a strategy
- Account rolling
- One-sided betting during volatility
- If gambling-like behavior detected, Fintokei may apply:
- Mandatory stop loss usage
- Risk limits per trade and per day
- Daily profit and loss caps
- 40% consistency rule for payouts
- Net positive payout requirements
Risk Management
- Maximum open trade risk: 3% (SL or VaR, whichever is lower)
- Multiple profiles: not allowed
- One device shared between multiple users: not allowed
- Paying for another trader's account: not allowed
- Hedging across accounts or traders: prohibited
- Multiple IPs across different countries: not allowed — travel must not look like multiple users
- Maximum order size per instrument: disclosed transparently before trading
Fintokei – Trading Conditions
Risk Management — The Core Philosophy
- Maximum risk on open trades: 3%
- Calculated based on: Stop Loss or VaR (Value at Risk), whichever is lower
Most firms say "don't overleverage" and leave the definition somewhere between vague and legally convenient. Fintokei gave you an actual number and an actual calculation method. You can take risk — just don't turn someone else's capital into a personal stress test.
Account Structure Rules
One principle runs through everything here: one trader = one identity = one strategy.
- Multiple profiles → not allowed
- One device shared between multiple users → not allowed
- Paying for someone else's account → not allowed
Simple, clean & remarkably hard to fool around without making it very obvious you're trying to.
Check Fintokei's Challenge Types HERE
Profit Target Logic
- Achieving the entire target in one or a few trades → not allowed
Consistency over lucky spikes. It's the difference between "I got it once" and "I can do it again" — & Fintokei is only interested in funding the second kind of trader.
Tick Scalping Rule
- Defined as: trades opened and closed within 10 seconds
- Over 10% of trades in this category → warning, then potential termination
This isn't about banning speed but about making sure your strategy isn't just "click fast and hope" — which, based on the fact that this rule exists, is apparently more common than it should be.
Strategy & Behavior Restrictions
Not allowed:
- One-sided betting during volatility
- All-in trades
- Account rolling
- Overleveraging without a strategy
Side note: overleveraging with a strategy is apparently fine. Overleveraging without a strategy is where the line gets drawn. The distinction is subtle but the consequences aren't.
IP & Access Rules
- Multiple IPs across different countries → not allowed
- Masking your IP → not allowed
You can travel. You just shouldn't look like five different people doing it simultaneously. The system notices, & "I was on holiday in three countries at once" is not a support ticket category.
Hedging & Trade Structuring
- Hedging across accounts or traders → prohibited
Each account stands on its own merit. No clever balancing tricks between accounts — which is either reassuring or inconvenient, depending on what you were planning.
Consistency Rules — When Things Get Messy
If gambling-like behavior is detected, Fintokei may apply:
- Mandatory Stop Loss usage
- Risk limits per trade & per day
- Daily profit & loss caps
- Reduced leverage
- Max lot exposure limits
- News trading restrictions
- 40% consistency rule for payouts
- Net positive payout requirements
Most firms terminate the account when things go sideways. Fintokei apparently believes in rehabilitation first. Not the most fun feature — but arguably one of the most realistic ones in the industry.
You can also check our comparison between Fintokei compares to Top One Trader
Order Size & Execution
- Maximum order size depends on instrument
- Full details provided transparently before trading
No hidden surprises. You know the limits before you hit them — which is the bare minimum & somehow still not universal in this industry.
Inactivity Rule
- 30 days of inactivity → account inactive
Standard. No unnecessary pressure, no infinite parking & no surprises.
Final Take
Fintokei is one of the few firms where the rules feel like they were written by someone who trades, rather than someone who spent an afternoon copying competitor T&Cs and adding extra restrictions for fun.
Consistent, disciplined, long-term approach — you'll feel comfortable here. Aggressive, shortcut-driven, or convinced that one big trade fixes everything — you'll find out quickly why each of these rules exists. Not to block you, but to make sure you're trading like someone who could do this for a living.
Which, when you think about it, is the whole point.
Features & Support
ProTrader
Step 1 8.0%
Step 2 6.0%
SwiftTrader
Step 1 10.0%
Step 2 N/A
ProTrader
Step 1 8.0%
Step 2 6.0%
StartTrader
Step 1 2.0%
Step 2 3.0%
SwiftTrader
Step 1 10.0%
Step 2 N/A
ProTrader
Step 1 8.0%
Step 2 6.0%
StartTrader
Step 1 2.0%
Step 2 3.0%
SwiftTrader
Step 1 10.0%
Step 2 N/A
ProTrader
Step 1 8.0%
Step 2 6.0%
ProTrader Swing
Step 1 8.0%
Step 2 6.0%
StartTrader
Step 1 2.0%
Step 2 3.0%
SwiftTrader
Step 1 10.0%
Step 2 N/A
ProTrader
Step 1 8.0%
Step 2 6.0%
SwiftTrader
Step 1 10.0%
Step 2 N/A
ProTrader
Step 1 8.0%
Step 2 6.0%
StartTrader
Step 1 2.0%
Step 2 3.0%
real firm, real money
they popped up on a youtube ad and against my better judgement i clicked. partial closes and trailing stops both worked exactly like they should. they refunded my eval fee when i got funded which was a nice surprise. the challenge timer is generous, i never felt rushed into bad trades. i emailed about a deduction i didnt understand and they explained it within the hour. no drama, no excuses, just a balance that hit my account on time.
payout came early actually
only tried them because a friend got a referral bonus. overnight swaps are charged but they are upfront about teh numbers. the rules are written in plain english so i actually knew what id get banned for before i started. execution during london open has been clean even when spreads widen everywhere else. kyc was painless, uploaded my id and got verified the same afternoon. bro had one weird order rejection and they tracked it to a platform bug and credited me back.
legit firm, got paid
I blew my first acount in two days like an absolute clown. monthly fee on teh challenge is honestly cheap compared to what others charge for the same size. the funded payout split started at 80/20 and scaled up which felt fair. you can request a payout any day once youre funded, no waiting for some fixed cycle. i moved up an account tier and the upgrade process took all of five minutes. three payouts deep and still no nasty surprises, that is my whole verdict. tbh
In It For The Long Haul
Heard about them on a youtube review and figured i'd see for myself. i renewed my challenge this month which is basically my whole review right there. the profit target on phase one is ambitious but not insane. their server uptime during the last nfp was flawless from where i sat. the trailing drawdown is reasonable if you size your positions like an adult. would i do it again? yeah, probably with a bigger account next time.
funded in two weeks
Jumped in during a 30% off promo, figured worst case i learn something. the buffer between daily loss and max loss gives you breathing room on a bad day. trades closed at my stop exactly, no requote nonsense or sneaky slippage at the level. drawdown is end of day based not intraday so a quick wick against me doesnt kill the account. the challenge rules are strict but at least they are written in plain english for once. the rules never moved on me, that alone makes them a keeper.
better than i expected
Third firm i tested this quarter so here is where they landed. i requested a payout three times and all three landed inside teh promised window. their scaling plan doesnt reset your progress if you have one losing month which is rare. getting verified for a payout needed an id and a selfie, standard stuff, painless. idk but two thumbs up, payout landed before the email even did.
does what it says
Rolled the dice on these guys after my last firm jacked up their fees. got my first payout via crypto and it landed in under an hour after approval. i never had to chase support, they actually closed my ticket the same day. i had a losing month and they did not nuke my account, just the usual rules applied. the minimum trading days is low so you can get funded fast if youre actually profitable.
passed second attempt
My first prop firm so i had no idea what to expect going in. i scaled twice and each bump was a real size jump not some token gesture. leverage is reasonable, not the reckless stuff that blows beginners up. platform was stable the whole time, no random disconnects during news. their live chat actually connected me to a person not a bot loop for twenty minutes. the news trading rules are clearly listed so theres no nasty surprise after you pass. a year of payouts later and i still have nothing bad to say.
not bad at all
Signed up on a whim after a podcast mention. i got a small payout bonus for hitting a milestone which was unexpected. no hidden gotchas on the payout page, what they say is what you actually get. you get a real account dashboard with trade history and stats not just a balance number. i can run my own ea on their platform and it ran without any weird restrictions. i came in skeptical and i am leaving funded, draw your own conclusions.
finally a firm that pays
Decided to try funded trading after years of trading my own cash. idk but i passed phase two and teh payout eligibility kicked in exactly when they said it would. execution during london open is tight enough to scalp if you are into that. support replied way faster than my actual broker which is kinda sad when you think about it. they paused my consistency tracker when i asked for a couple weeks off, super flexible.
No payout data available for Fintokei yet.
