Fintokei is a Czech-based prop firm founded in 2022 offering four evaluation programmes across 1-step, 2-step, and 3-step formats with accounts from $5,000 to $400,000. It supports TradingView, MT5, and cTrader, allows news trading and custom EAs, and processes payouts bi-weekly with an average turnaround of around 3 hours. Use code NEW20 for 20% off your first evaluation.
Rating Breakdown
Pros
- Four distinct programmes covering 1-step, 2-step, and 3-step formats
- SwiftTrader offers 100% profit split from day one
- TradingView, MT5, and cTrader all supported
- News trading allowed across all programmes
- Custom EAs and algorithmic strategies permitted
- Overnight and weekend holding allowed
- Bi-weekly payouts with average 3-hour processing time
- ProTrader scales to $4M allocation through 8 scaling events
- StartTrader entry from $44 — lowest-cost option available
- 3% max risk per open trade enforced — protects against blow-up trades
Cons
- MT4 not supported — a barrier for traders on legacy setups
- Multiple trader reports of account bans without explanation or appeal process
- Consistency penalties can be applied post-challenge, including leverage cuts and profit/loss caps
- SwiftTrader pricing starts at $119 — expensive for a 1-step with only $10K account
- StartTrader has a 180-day total time limit across all three phases
- Crypto withdrawal fees: 2.5% plus a fixed €10–€20 per transaction
- Not regulated by any financial authority
- Profit split on StartTrader starts at just 50% on lower tiers
Account Plans and Pricing
ProTrader Challenge Rules (2-Step)
| Evaluation type | Two-step (Phase 1 + Phase 2) |
| Phase 1 profit target | 8% |
| Phase 2 profit target | 6% |
| Time limit | None |
| Min. trading days | 3 profitable days per phase |
| Max drawdown | 10% (equity-based, midnight UTC snapshot) |
| Daily loss limit | 5% equity-based |
| Max risk per trade | 3% |
| Leverage (forex) | Up to 1:100 |
| Consistency rule | None during challenge; post-funded monitoring applies |
| Profit split | 80% base, scaling to 95% |
| Scaling path | Up to $4M over 8 scaling events |
| Fee refund | Included with first payout |
SwiftTrader Challenge Rules (1-Step)
| Evaluation type | One-step |
| Profit target | 10% |
| Time limit | None |
| Min. trading days | 3 days |
| Max drawdown | 6% |
| Daily loss limit | 3% |
| Max risk per trade | 3% |
| Leverage (forex) | 1:25 (SwiftTrader) / 1:50 (larger accounts) |
| Consistency rule | None during challenge |
| Profit split | 100% from day one |
| Fee refund | Included with first payout |
StartTrader Challenge Rules (3-Step)
| Evaluation type | Three-step |
| Phase 1 profit target | 2% |
| Phase 2 profit target | 3% |
| Phase 3 profit target | 6% |
| Total time limit | 180 days across all three phases |
| Min. trading days | 3 days per phase |
| Max drawdown | 6% |
| Daily loss limit | 3% |
| Max risk per trade | 3% |
| Leverage (forex) | Up to 1:25 |
| Profit split | 50% starting, scaling to 90% |
| Max account size | $100,000 |
| Scaling path | Up to $1M allocation |
Payouts
| First payout eligibility | 14 days after first trade (StartTrader / ProTrader) or after passing evaluation (SwiftTrader) |
| Default payout cycle | Bi-weekly (every 14 days) |
| Average payout time | Approximately 3 hours; fastest recorded 2.8 seconds via e-wallet |
| Profit split | 50–100% depending on programme and tier |
| Payout methods | Credit card, debit / Visa, Apple Pay, Google Pay, crypto |
| Crypto withdrawal fee | 2.5% plus €10–€20 per transaction |
| KYC required | Yes, before first payout |
| Average payout amount | $2,649 (firm-reported) |
Trading Conditions
| Platforms | TradingView, MetaTrader 5, cTrader |
| MT4 | Not supported |
| CFD instruments | Forex pairs, metals, energies, indices, cryptocurrencies |
| Stocks | Not offered |
| Max leverage (forex) | 1:25 (StartTrader / SwiftTrader), 1:100 (ProTrader / ProTrader Swing) |
| News trading | Allowed on all programmes |
| Overnight / weekend holding | Allowed (ProTrader Swing designed for multi-day holds) |
| Expert Advisors (EAs) | Allowed; custom EAs permitted |
| Copy trading (signal providers) | Prohibited |
| Hedging across accounts | Prohibited |
| Martingale / aggressive averaging | Prohibited |
| HFT / tick scalping / latency arb | Prohibited |
| Scaling plan (ProTrader) | Up to $4M over 8 events; optional CySEC-regulated portfolio management path at 3rd scale-up |
| Scaling plan (StartTrader) | Up to $1M allocation |
Our Verdict
Fintokei has built a well-structured product range that addresses three distinct trader types in one platform. StartTrader is the entry-level path with a 3-step format and profit targets as low as 2% per phase — this suits newer traders who need smaller targets and lower pressure. SwiftTrader gives the 100% profit split with a single 10% target for traders who want to keep everything they earn. ProTrader is the professional tier with higher leverage (up to 1:100), wider drawdown room, and a scaling path to $4M. The variety is genuine rather than cosmetic.
The decision to allow news trading and custom EAs across all programmes is a meaningful differentiator. Many firms restrict both. Fintokei’s stance here opens the door to trend traders, macro-driven strategies, and algo traders without forcing workarounds. Overnight and weekend holding is also permitted, which makes ProTrader Swing particularly practical for traders who do not want to close positions at the end of every session.
The payout speed claim — an average of 3 hours, with e-wallet payments sometimes settling in seconds — is one of the faster turnarounds in the space. The bi-weekly cycle is standard and manageable. The 2.5% crypto withdrawal fee plus fixed charges is a real cost for traders who prefer on-chain payments, and worth factoring in before signing up.
The main concern, and one that appears consistently in trader reports, is the account ban issue. Multiple funded traders have reported having accounts closed without a detailed explanation or a clear appeals process. The post-funded consistency monitoring — which can result in leverage cuts to 1:10 forex and daily profit/loss caps — also introduces unpredictability after you have already passed the challenge. Use our consistency calculator to check whether your trading patterns could trigger these rules before you reach the funded stage.
On the platform side, TradingView, MT5, and cTrader cover a wide range of traders, but the absence of MT4 will be a real issue for traders running legacy EAs or who have years of setup invested in MetaTrader 4. This is one of the few firm-level gaps that genuinely limits the addressable audience.
Overall, Fintokei is a solid mid-tier prop firm with some above-average features — particularly the SwiftTrader 100% split and the ProTrader scaling path — but the account management transparency issue pulls the score down from where it would otherwise sit. Traders who are disciplined, use verified strategies, and avoid aggressive patterns will likely have a good experience. Those who trade outside the lines, even innocently, should read the rules carefully before committing.
Fintokei Coupon Code and Discount
The current Fintokei coupon code is NEW20, which gives 20% off your first evaluation. The code ALLE20 applies 20% off any account, including repeat purchases. Both have been verified as active for 2026.
At 20% off: a $100,000 ProTrader evaluation (normally $529) drops to around $423. A $200,000 SwiftTrader (normally $1,299) drops to around $1,039. The evaluation fee is refunded with your first payout regardless of whether you used a discount code.
| Code (new users) | NEW20 |
| Code (all accounts) | ALLE20 |
| Discount | 20% off |
| Applies to | All evaluation programmes and account sizes |
| Last verified | July 2026 |
Frequently Asked Questions
Is Fintokei a legitimate prop firm?
Fintokei was founded in 2022 and is based in Brno, Czech Republic. It has over 1,100 Trustpilot reviews at 4.5 out of 5 and processes payouts with an average turnaround of around 3 hours. It operates a simulated trading environment and is not regulated by a financial authority, which is standard for prop firms. Some traders have reported accounts being closed without detailed explanation, so it is worth reading the rules carefully before committing capital.
What challenge types does Fintokei offer?
Fintokei offers four programmes. StartTrader is a 3-step evaluation with accounts up to $100,000 and targets of 2%, 3%, and 6% per phase. SwiftTrader is a 1-step programme with accounts up to $200,000, a 10% target, and 100% profit split. ProTrader is a 2-step programme with accounts up to $400,000, targets of 8% and 6%, and leverage up to 1:100. ProTrader Swing is a 2-step programme designed for traders who hold positions overnight or across weekends, using balance-based drawdown calculation.
What are the Fintokei drawdown rules?
StartTrader and SwiftTrader use a 3% daily loss limit and a 6% maximum drawdown. ProTrader and ProTrader Swing use a 5% daily loss limit and a 10% maximum drawdown. ProTrader measures the daily loss against equity at midnight UTC. ProTrader Swing measures against account balance. All programmes also enforce a 3% maximum risk per open trade.
What platforms does Fintokei support?
Fintokei supports TradingView, MetaTrader 5, and cTrader. MT4 is not available. Traders who rely on MT4-specific EAs or templates will need to port their setups to MT5 or cTrader before trading with Fintokei.
Is there a Fintokei discount code?
Yes. The code NEW20 gives 20% off your first Fintokei challenge. The code ALLE20 gives 20% off any account, including repeat purchases. Both have been verified as active in 2026. Apply the code at checkout on the Fintokei website.
Ready to try Fintokei?
4 programmes: 1-step, 2-step, and 3-step. TradingView, MT5, cTrader. News trading and EAs allowed. Use code NEW20 for 20% off.
Visit Fintokei →