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%
funded in two weeks
signed up after seeing them everywhere on twitter, figured why not. execution during london open is tight enough to scalp if you are into that. payouts are biweekly on funded accounts which is way better than teh monthly firms. i moved up an account tier and the upgrade process took all of five minutes. thier scaling plan doesnt reset your progress if you have one losing month which is rare. tbh
Reliable So Far
Went in for the cheap eval mostly to see what all the fuss was about. the weekly market recap they send is actually worth reading. they sent me a little congrats email with my payout confirmation which was a nice touch. the profit target on phase one is ambitious but not insane. the consistency rule is generous compared to the firms that cap you hard. honestly the smoothest funded experience i have had, would sign up again.
they earned my trust
Third firm i tested this quarter so here is where they landed. overnight swaps are charged but they are upfront about the numbers. support gave me a straight answer about overnight holds instead of dodging the question. platform hasnt frozen on me once in three months of pretty heavy use. they let me run my algo as long as it is not some latency arbitrage exploit. crypto and wire both supported, i did wire and it hit my bank in two business days. still funded, still profitable … still getting paid … that is the test that matters.
finally a firm that pays
My first prop firm so i had no idea what to expect going in. reset on a blown challenge was free which saved me from buying a whole new account. verification took one round of documents and they didnt ask me for ten random things. the scaling lets you double your account size every time you clear a payout milestone. i was funded the same day i passed, no waiting around for a manual review for a week. easily the most drama free firm i have traded with.
ok firm, patchy support
wanted to test the waters with a smaller account first. drawdown is calculated on balance not equity which is fine once you adjust but nobody tells you upfront. the trading conditions are okay, just dont expect raw spreads at this price. spreads are tighter than my last firm but execution is a touch slower. the potential is there … the execution is about sixty percent of the way.
would buy again
Needed a firm that allowed my EA so this is where i ended up. fees are reasonable for what you get and the retake discount softens the blow. slippage outside of high impact news is basically a non issue for me. the profit split bumped up to 90 after i hit a couple targets and it felt earned. the platform let me set custom alerts which actually helped me stick to my risk plan. happy customer … happy wallet … would absolutely do it again.
glad i picked these guys
bought in after they ran a promo i couldn't ignore. i never had to chase support, they actually closed my ticket the same day. i got a small payout bonus for hitting a milestone which was unexpected. the consistency rule is generous enough that one good day doesnt disqualify your whole payout. they did exactly what the website promised, which is rarer than it should be.
legit firm
Decided to try funded trading after years of trading my own cash. got my first payout via crypto and it landed in under an hour after approval. there is a discord and staff actually show up in it occasionally. support answered a dumb question of mine with an actual example instead of a canned reply. their reset option after a breach is cheaper than buying a whole new eval. the leverage is sensible, enough to work with but not enough to wreck yourself by accident. would i do it again? yeah, probably with a bigger account next time.
took my money and gave it back with interest
Jumped in during a discount they were running over the holidays. i tested the live account against the demo with the same setups and it matched. the funded payout split started at 80/20 and scaled up which felt fair. their dashboard is genuinely useful … learned stuff about my own trading just looking at it. the trailing drawdown is reasonable if you size your positions like an adult. they kept their end every single time, that is the whole story.
glad i gave them a shot
First prop firm i actually stuck with long enough to get funded. platform was stable the whole time, no random disconnects during news. the eval took me like 27 trading days total … not fast not slow … just fair. i traded indices mostly and the spreads on those were perfectly fine. they grandfathered my old account rules when they updated their terms which felt fair. not the cheapest, not the flashiest … just reliable … and that is enough.
No payout data available for Fintokei yet.
