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%
Good enough to stay
Jumped in during their Black Friday sale last year. The evaluation rules are clearly documented without hidden gotchas. I hope they stay this good as they grow.
Meh experience overall
My experience has been about average for a prop firm in this tier. Email notifications are timely but the app lacks push notifications. For the price, it is what it is.
Genuine trader-first feel
I started with a small account and have scaled up twice since. News trading is allowed with reasonable restrictions around major releases. Plan to stick with this firm for the foreseeable future.
Scaling plan is motivating
A fellow trader recommended them and I am glad I listened. Leverage and risk tools inside the platform are easy to configure. If you follow the rules, this firm will treat you fairly.
Felt like a legit operation
Found them through a discount code and decided to give them a try. Their dashboard makes it easy to see exactly where you stand at any moment. Would absolutely come back if I were starting over.
Liked the scaling plan
Signed up after someone on Reddit vouched for them. Their affiliate program is transparent and pays out as promised. They punch above their weight compared to bigger competitors.
Avoid if you value your time
Gave them the benefit of the doubt despite some online complaints I read. The refund policy has so many exceptions it is effectively non-existent. Losing faith in prop firms because of experiences like this.
Worth every dollar
First time trying a prop firm, so this was all new to me. Weekend and overnight holding is permitted without swap penalties. I would comfortably recommend them to anyone serious about prop trading.
Exceeded my expectations
Have a funded account here and have been profitable for a while now. The scaling plan is achievable if you trade consistently for a few months. I would comfortably recommend them to anyone serious about prop trading.
Fair interpretation of rules
Ran them in parallel with two other firms for a side-by-side comparison. Spreads during peak hours are reasonable for a prop firm. Will recommend them to my trading circle without hesitation.
No payout data available for Fintokei yet.
