X 
Funded Review 2026
4.9 out of 10
The short answer
X Funded’s main appeal is a combination that most prop firms do not pair together: weekly payouts and up to 100% profit split. At most CFD prop firms, weekly payouts are either unavailable or locked behind a paid add-on. X Funded offers them as a default, which matters to traders who want faster access to their earnings rather than waiting 30 days.
How the 4.9 adds up
Score note. Traders on Trustpilot reported payouts denied between July and September 2026 over IP addresses, stop-loss placement and timing rules, and one reported a three-month wait, while three other recent reviewers say they were paid. In its reply to one complaint, the firm pointed to a 5-minute stop-loss rule; 42% of the firm's 585 reviews are 1-star and Trustpilot has withheld its rating for a guideline breach. Our score was lowered from 5.0 to 4.9 after our payout-trouble rule capped its payout score at 4.0.
3 plans
Challenge rules
1 Phase Challenge Rules
| Evaluation type | One-step |
| Profit target | 10% |
| Time limit | None |
| Min. trading days | 5 days |
| Max drawdown | 6% static |
| Daily loss limit | 4% |
| Consistency rule | None during challenge |
| News trading | Allowed in challenge |
| Weekend holding | Not permitted |
| Inactivity limit | 30 days |
| Entry price | From €115 ($10K account) |
2 Phase Challenge Rules
| Evaluation type | Two-step (Phase 1 + Phase 2) |
| Phase 1 profit target | 8% |
| Phase 2 profit target | 5% |
| Time limit | None |
| Min. trading days | 5 days per phase |
| Max drawdown | 10% static |
| Daily loss limit | 5% |
| Consistency rule | None during challenge |
| News trading | Allowed in challenge |
| Weekend holding | Not permitted |
| Inactivity limit | 30 days |
| Entry price | From €89 ($10K account) |
Funded Account Rules
| Monthly profit target | 1% (minimum active requirement) |
| Max drawdown | 6% static (1-Phase funded) / 10% static (2-Phase funded) |
| Daily loss limit | 4% (1-Phase) / 5% (2-Phase) |
| Consistency rule | 45% — no single day can exceed 45% of total profit |
| Max risk per trade | 1% |
| Min. trading days | 5 days per cycle |
| Min. active days per month | 14 |
| News trading | Not permitted (close positions 5 min before) |
| Weekend holding | Not permitted |
| Inactivity limit | 30 days |
| Profit split | Up to 100% |
| Payout frequency | Weekly |
| Max account allocation | $1,000,000 |
Our verdict: 4.9 out of 10
The challenge rules are clean. No consistency rule applies during either the 1-Phase or 2-Phase evaluation, so a strong single day of trading will not count against you during the challenge. That is a meaningful difference from firms like FXIFY, which apply a 30% consistency rule across the board. The 2-Phase entry from €89 on a $10K account is also competitive on price.
The platform situation is the clearest limitation. X Funded runs cTrader exclusively. Traders already using MT4 or MT5 — which is most of the market — will need to adapt. cTrader is a capable platform with good charting and depth of market access, but it is not interchangeable with MetaTrader for traders who have built strategies around those platforms’ specific features or broker-specific infrastructure.
On funded accounts, the rules tighten considerably. News trading is not permitted and positions must be closed at least five minutes before scheduled news events. Overnight and weekend holding is also not allowed. The 45% consistency rule kicks in on the funded phase, though at 45% it is more lenient than the 30% rule many other firms apply. A 1% monthly activity target also applies, meaning funded traders need to stay active. Use our consistency calculator to check whether your trading patterns meet the funded account rules.
The company structure is worth noting. XFunded LTD is registered in Saint Lucia, and payment processing is handled by a separate UAE entity. This dual-entity structure is not unusual in the prop firm space, but traders should read the terms carefully before depositing. The firm does not yet have the same public payout history as more established operators, which introduces some additional uncertainty.
Multiple traders on Forex Peace Army and Trustpilot report a similar pattern with X Funded: payout requests getting denied over rules they say were not clearly stated upfront, or not enforced until a withdrawal was on the table. Complaints mention a correlation rule missing from the firm’s published rules page, disputes over platform-generated default stop losses, and disagreements about which news source counted for news-trading restrictions. At least one case was formally escalated on Forex Peace Army against X Funded’s parent entity. This does not confirm wrongdoing, but the recurring theme across independent complaints is worth flagging for traders reading the rules closely before funding a challenge.
Overall, X Funded is a reasonable option for cTrader traders who value weekly payouts and a clean challenge structure. The funded account restrictions on news and overnight positions will rule it out for some strategies, but for traders running intraday systems on cTrader, the combination of fast payouts and flexible profit split is genuinely competitive.
X Funded in numbers
- Account Sizes
- $10K to $300K
- 1-Phase Target
- 10%
- 2-Phase Targets
- 8% / 5%
- Max Drawdown
- 6% (1-phase)
- Daily Loss Limit
- 4% (1-phase)
- Profit Split
- Up to 100%
- Min. Trading Days
- 5
- Platform
- cTrader
6 tiers available
No time limit
Phase 1 / Phase 2
10% static on 2-phase
5% on 2-phase
On funded accounts
Both challenge types
Forex, crypto, indices
10 pros, 8 cons
Pros
- Weekly payouts — faster than most prop firms
- Up to 100% profit split on funded accounts
- No consistency rule during challenge phases
- EAs and trade copiers permitted
- 1:100 leverage on forex, crypto, and indices
- Commission-free trading
- No time limit on either challenge type
- Instant Funding option available
- Scale path up to $1M account allocation
- 2-Phase entry from €89 on $10K account
Cons
- cTrader only — no MT4 or MT5 support
- No news trading allowed on funded accounts
- No overnight or weekend holding permitted
- 45% consistency rule applies on funded phase
- Newer firm with limited public payout track record
- Incorporated in Saint Lucia; UAE entity handles payments
- 1-Phase has tight 6% static drawdown
- 1% monthly profit target required on funded accounts
Payouts and trading conditions
Trading Conditions
| Platform | cTrader |
| Markets | Forex, crypto, indices |
| Max leverage | 1:100 |
| Commission | Commission-free |
| Expert Advisors | Allowed |
| Trade copiers | Allowed |
| News trading (challenge) | Allowed |
| News trading (funded) | Not permitted |
| Overnight holding | Not permitted |
| Weekend holding | Not permitted |
| Max account allocation | $1,000,000 |
| Company registration | XFunded LTD, Saint Lucia |
More on X Funded
Score revised July 2026: 7.5 to 6.0. We had payout reliability at 7.5. Independent evidence does not support that. Trustpilot has removed a number of reviews for this firm as fake, which undermines the rating itself. Traders document a withdrawal request going 4 weeks and 27 support emails with no reply, and a $5,000 payout denied because the trader used Investing.com rather than the firm’s preferred news calendar. A third-party tracker notes denied-withdrawal complaints reported repeatedly across Reddit and review sites. Rules and cost still score reasonably, but this is not a firm we can call reliable on payouts. See our methodology.
X Funded discount code
X Funded's own site lists code CYBER40: “Cyber Monday 40% OFF with the code CYBER40”
We read this on x-funded.com on 8 November 2026. Firm codes change often and some apply only to certain accounts or new customers, so check the final price at checkout.
Use code CYBER40 at X Funded3 alternatives to X Funded
Firms in the same category with a comparable score, each offering something X Funded does not.
Next Level Funded6.3scores 6.3 and offers a refunded fee on passing and on-demand payouts.
AudaCity7.5scores 7.5 and offers a refunded fee on passing.
Prop Shop Trader7.4scores 7.4 and offers end-of-day drawdown.
X Funded is one of 106 CFD and forex prop firms we rank. See where it places in our full CFD and forex prop firm rankings.
Is X Funded a legitimate prop firm?
X Funded operates through XFunded LTD, incorporated in Saint Lucia (company number 2026-00127), with payment processing handled by Otherside LLC in Sharjah, UAE. All accounts use simulated trading environments with virtual funds, which is standard for the prop firm industry. It is not regulated by a financial authority.
What challenge types does X Funded offer?
X Funded offers three programmes: a 1-Phase Challenge with a 10% profit target and 6% max drawdown, a 2-Phase Challenge with 8% in Phase 1 and 5% in Phase 2 at 10% max drawdown, and Instant Funding with no evaluation. Account sizes range from $10,000 to $300,000 across six tiers.
What platform does X Funded use?
X Funded uses cTrader exclusively. MT4 and MT5 are not supported. cTrader covers forex, crypto, and indices with 1:100 leverage and commission-free trading. Traders who rely on MetaTrader-specific tools or EAs built for MT4/MT5 will need to adapt their setup.
How often does X Funded pay out?
X Funded pays weekly by default, which is faster than most prop firms that default to monthly cycles. Profit split goes up to 100% on funded accounts. A minimum of 14 active trading days per month is required on the funded account.
Review date:
Best for
cTrader traders who want weekly payouts, up to a 100% split, and EAs plus trade copiers permitted.
Avoid if
You trade news or hold positions: funded accounts ban news trading and overnight or weekend holds, and a 45% consistency rule applies once funded.
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