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%
Better than the hype
I was skeptical at first because of how polished their marketing looked. Leverage and risk tools inside the platform are easy to configure. They have earned my loyalty with how they handle the basics.
Second funded account here now
I was skeptical at first because of how polished their marketing looked. The trailing drawdown is calculated the way most traders expect. This is the kind of operation that makes prop trading feel legitimate.
Paid out in crypto same day
Was looking for a firm that supported my specific trading style. Educational content on their site is genuinely useful, not just marketing fluff. My default answer when people ask which prop firm to try.
Solid choice for beginners
Coming off a few good months of retail trading, I wanted leverage. Reporting and tax documents at year end were accurate and easy to download. Five stars from me, with no significant reservations.
Multiple payouts, zero issues
Used their instant funding option instead of the traditional evaluation. News trading is allowed with reasonable restrictions around major releases. If they keep this up, they deserve to become one of the bigger names.
Retained funding for months
A friend in my trading group has a funded account here and spoke highly of it. I have had zero unexpected rule changes since I started here. I have zero regrets about putting my evaluation fee here.
Payouts without drama
Switched here after a couple of disappointing experiences elsewhere. Their refund policy on challenge fees when you get funded is a nice touch. For the price, the value you get is hard to beat.
Held overnight with no penalty
Came from a retail trading background and wanted to see what prop was about. KYC was handled in under a day once I submitted everything. Happy to keep trading here and would sign up again if I had to.
Great experience overall
A friend in my trading group has a funded account here and spoke highly of it. Support responds in a timely manner and actually understands what you are asking. Rare to see a prop firm that delivers this consistently.
Five payouts in, still happy
Just received my fourth payout, so I figured it was time to leave a review. Email updates about new features arrive regularly without being spammy. In an industry full of mixed reputations, this one stands out positively.
No payout data available for Fintokei yet.
