Fintokei

Fintokei is a multi‑asset prop trading firm that evaluates traders through 1‑Step, 2‑Step, and 3‑Step challenges and pays performance‑based rewards from virtually funded accounts. The brand launched in 2022 and is operated by Fintokei a.s., a Czech joint‑stock company. Programs range from the entry‑level 3‑phase StartTrader to the 2‑phase ProTrader and the fast 1‑phase SwiftTrader, with bi‑weekly payout cycles and instant approval processing. All trading is executed in a simulated environment with real‑market pricing, and Fintokei is not a broker nor a regulated investment firm.

Platform choice is a core part of the pitch: traders can use MT5 or cTrader, and they can execute directly from TradingView via Fintokei’s cTrader connectivity (MT4/MT5 accounts cannot connect to TradingView). Leverage and rules differ by program; ProTrader and ProTrader Swing are designed for higher leverage and longer holds, while StartTrader and SwiftTrader apply tighter risk caps intended for newer traders or quick evaluations.

The company is headquartered at Masarykova 409/26, 602 00 Brno, Czech Republic. Official materials emphasize transparent rules, explicit prohibited‑practice definitions, and a loyalty/scaling framework that can boost capital and, in some cases, the profit‑share ratio on funded accounts.

Who is it best for? ProTrader and ProTrader Swing suit experienced day and swing traders who want higher leverage (1:100 on FX/gold) and unlimited time per phase, while SwiftTrader will appeal to confident, fast‑moving traders who prefer a one‑step, 10% target with 100% profit split. StartTrader is built for newer prop traders who want a gentler, three‑phase path with structured consistency controls.

Overview and Transparency

Fintokei operates evaluation programs and virtually funded demo accounts; it is not a broker and does not execute client trades in live markets. The legal entity is Fintokei a.s., registered in Brno, Czech Republic, with the address and company identifiers disclosed in corporate terms. The website and Help Center clearly state that trading occurs in a simulated environment using real‑market quotes, and that Fintokei is not regulated because it does not provide regulated investment services.

Broker and Market Access

Fintokei’s platform connectivity includes MT5 and cTrader. TradingView execution is enabled by connecting a Fintokei cTrader account through Purple Trading SC in the TradingView panel. Instrument coverage spans major FX pairs, metals, energies, indices, and selected crypto CFDs, with a live instrument table listing trading hours, typical spreads, and commission lines.

Trustworthiness, Rules and Data Security

Publicly documented rules cover drawdowns, minimum trading days, prohibited practices, payout eligibility, and consistency controls. KYC is required before payouts, and multiple payout rails are available. The firm publishes refund conditions, restricted geographies, and payment‑method specifics, including Walletory e‑wallet disclosures for instant payouts. This level of disclosure helps traders understand operational boundaries before committing capital.

Fintokei runs three primary evaluation tracks plus a swing variant. Key parameters are summarized below; time limits refer to evaluation phases unless noted.

• StartTrader (3‑Step): Profit targets 2% (Phase 1), 3% (Phase 2), 6% (Phase 3); daily loss −3% (from start‑of‑day equity), max loss −6% (static); minimum 3 trading days per phase; max 180 days per phase; consistency caps (max 40% of phase target per day); performance reward (funded) dynamically ranges ~50%–100% (DPR).
• ProTrader (2‑Step): Profit targets 8% (Phase 1) and 6% (Phase 2); daily loss −5% (from SOD equity), max loss −10% (static); minimum 3 trading days per phase; unlimited time per phase; initial funded profit split 80% with potential scaling boosts.
• ProTrader Swing (2‑Step): Same profit targets and losses as ProTrader, but daily loss is balance‑based (EOD balance), allowing overnight holds without equity swings impacting the next day’s daily limit; one published size at $50,000.
• SwiftTrader (1‑Step): Profit target 10% (one phase), minimum 5 trading days, unlimited time; daily loss −3%, max loss −6%; funded profit split 100%; minimum profit per payout +3% of initial balance (varies by size).

Evaluation fees are one‑time and non‑recurring. Phases must also respect the “maximum allowed risk on open trades” rule (−3% of account) and the minimum trading‑day requirement. Passing requires closing all open positions before requesting the next phase.

Trading Rules (funded accounts)

Funded accounts inherit risk parameters from their program. ProTrader/ProTrader Swing funded: daily loss −5% and max loss −10% (static). StartTrader/SwiftTrader funded: daily loss −3% and max loss −6%. All programs monitor loss rules in parallel; breaching either ends the account. The open‑trade risk cap (−3%) applies to a single setup so one position cannot consume the entire daily loss in one shot. Accounts must stay active (at least one closed trade every 30 days) to remain open.

Trading Restrictions

• Allowed: EAs and automation you created or control yourself; hedging within a single account; overnight and weekend holds; trading during news.
• Prohibited: Copy trading or mirrored signals, third‑party/“pass‑my‑challenge” EAs, coordinated opposite trading/hedging across multiple accounts or traders, latency arbitrage, and excessive tick‑scalping (very short‑duration trades under defined thresholds). HFT/latency tactics and masking IP/device sharing are also restricted. “All‑in” passing (hitting an entire phase target in one trade/near‑identical cluster) is explicitly disallowed.

Leverage Structure

• ProTrader & ProTrader Swing: 1:100 FX/gold/silver; 1:50 indices; 1:20 other products.
• StartTrader & SwiftTrader: 1:25 FX/gold/silver; 1:20 indices; 1:10 other products.

Trading is available whenever markets are open; crypto CFDs run 24/5 on Fintokei. You may hold positions over weekends, but gap risk applies. Minimum trading‑day rules: 3 days for StartTrader/ProTrader phases; 5 days for SwiftTrader (and for SwiftTrader payouts).

Fintokei lists instruments across FX, metals, energies, equity indices and selected crypto CFDs, with a public symbol table showing trading hours, average spreads, commission lines, max leverage and min/max order sizes per instrument. Examples include EURUSD, GBPJPY, XAUUSD, XAGUSD, USOIL, UKOIL, US500, US100, GER40, JP225, and a crypto CFD slate (24/5 availability on the platform).

The instrument table also documents order‑size limits (e.g., microlots 0.01 for most assets; very high single‑ticket caps on EURUSD, XAUUSD, and US100 subject to margin). Spreads and commissions vary by product; FX uses a commission model while indices and crypto are commission‑free (see fees section). Understanding these specifics matters because they directly influence effective transaction costs and the room you have under each program’s daily/max loss rules.

Fintokei supports MT5 and cTrader accounts, with TradingView execution available by linking a Fintokei cTrader login to the Purple Trading SC connection in TradingView. Official FAQs also reference MT4 alongside MT5 and cTrader for challenge accounts; however, TradingView connectivity works via cTrader and does not support MT4/MT5 accounts directly. Platform choice does not change stated leverage or pricing. VPN/VPS usage is not addressed as a feature but users must avoid masked or suspicious IP/device patterns per prohibited‑practice rules. Regional access limits apply (e.g., U.S. residents are restricted).

MetaTrader 5 (MT5)Industry‑standard workflow for discretionary and automated FX/CFD trading. Traders benefit from broad indicator libraries, strategy testing, and EA compatibility for self‑built systems. MT5’s order management and depth‑of‑market are adequate for most retail‑style strategies; costs and leverage are defined by the selected Fintokei program.

• Multi‑asset symbols and depth‑of‑market
• Custom indicators/EAs you control yourself
• One‑click trading and alerts

cTraderModern UI with robust order ticketing, cTrader Automate, and native integration to TradingView for execution. Choosing cTrader in MyFintokei lets you connect that account to TradingView’s trading panel (select Purple Trading SC) for chart‑side order entry.

• Advanced charting and order types
• API/automate environment
• Direct TradingView linkage for execution

TradingView (via cTrader)Traders can analyze and execute directly on TradingView by linking a Fintokei cTrader account. This is helpful if your workflow is built around TradingView’s tooling and alerts. Note that MT4/MT5 accounts cannot connect to TradingView.

Mobile TradingFintokei also provides a companion mobile app (iOS/Android) to manage challenges, track stats, and receive payout notifications; platform vendors (MT5, cTrader, TradingView) offer their own mobile apps for on‑the‑go trading.

Beyond the core challenges, Fintokei adds several ecosystem features designed to reward consistency and long‑term participation. A free 14‑day trial is available across programs so traders can test execution flow and the client zone before paying a fee. The public symbols page functions as a live product sheet (hours, spreads, commissions, leverage), reducing guesswork before strategy deployment.

Loyalty Program: Traders earn XP by purchasing challenges, passing phases, and receiving payouts. Tier milestones unlock permanent boosts such as higher funded capital, performance‑reward boosts, free challenges, and incremental increases to daily/max loss on funded accounts. The program is framed as "rewards for progress," not pay‑to‑win, and tiers/boosts are transparently listed.

Scaling: In addition to loyalty boosts, formal scaling terms allow increases in funded balance and, for ProTrader, profit‑share improvements after achieving cumulative profit thresholds within two consecutive months. Provider program appendices outline levels (e.g., moving from 80% to 85% and 90% splits at higher tiers) alongside capital steps.

Education & Content: Blogs, ebooks, and a Help Center glossary cover platform setup, spreads, risk rules, and policy clarifications (e.g., tick‑scalping definition, copy‑trading limitations). The knowledge base includes "long‑form" explanations of why certain restrictions exist and how to trade sustainably within the rule set.

Mobile app: The Fintokei app lets users track challenge progress, unlock app‑only promos, and receive payout notifications. It complements the platform apps used for execution.

Contests & Vouchers: Time‑boxed trading contests and giftable voucher codes appear periodically. Vouchers have specific purchase/refund conditions and expiries, while contest terms cap entries and define winner criteria.

Evaluation Fees

Fees are one‑time per account and depend on size/model. Published ranges: StartTrader $44–$419 (5k–100k); ProTrader $99–$2,399 (10k–400k); ProTrader Swing $319 (50k); SwiftTrader $119–$1,299 (10k–200k). Fees are shown at checkout and do not recur monthly.

Trading Commissions

FX uses a commission model of $3 per side per 1.0 lot ($6 round‑turn per 100,000). Since Aug 11, 2025, index CFDs (e.g., US500, US100, GER40) and crypto CFDs are commission‑free. The live symbols page lists average spreads and commission lines by instrument.

Swap/Holding Costs

Overnight financing (swap) is charged per instrument, with triple‑swap timing on specific weekdays (e.g., FX/metals typically 3× on Wednesday; many other symbols 3× on Friday). Weekend holds are permitted but expose you to gap risk on reopen.

Refund Policy

Refunds are generally not available once you access the Client Zone or place the first trade. If you have not logged in or traded, a refund request within 14 days via email may be accepted. Separate terms apply to vouchers (refundable within 14 days unless redeemed). For SEPA purchase refunds, an administrative fee (e.g., EUR 25) may be deducted. Plan changes may be handled by refunding and repurchasing under specific pre‑trade conditions.

Payment Methods (purchase): credit/debit cards and cryptocurrency are supported; details are displayed on the Japanese “Specified Commercial Transactions Act” disclosure page.

Profit Split

• SwiftTrader: 100% profit split on every funded payout, subject to meeting the program’s minimum profit per payout (+3% of initial balance, size‑based table published).
• ProTrader / ProTrader Swing: Initial funded split 80%; scaling and loyalty boosts can increase the ratio (provider program appendices show tiers that include 85% and 90% at higher milestones).
• StartTrader: Dynamic Performance Reward (DPR) typically ranges from ~50% to 100% depending on trading‑style factors (e.g., days traded, leverage usage, prior payout history, and day‑to‑day consistency).

Payout Eligibility

For ProTrader/ProTrader Swing/StartTrader funded accounts, you can request a payout once at least 14 days have passed since your last processed payout (or since the first trade on that account). For SwiftTrader, you also need to meet the +3% minimum profit per payout threshold and the program’s 5 trading‑day minimum (for the evaluation and for payout scheduling), and 14 days since first trade or previous payout. All open positions must be closed before requesting a withdrawal.

Payout Schedule and Processing

Funding cycles are bi‑weekly (every 14 days). Fintokei advertises instant payout approval in the dashboard; bank transfers are usually processed within 3–5 hours after approval and e‑wallet transfers can arrive within seconds. Crypto payouts are supported, with specific fees disclosed by coin.

Payment Methods

• Bank transfer: SEPA/wire transfers supported.
• E‑wallet: Walletory offers instant wallet‑to‑wallet payouts; onboarding with Walletory is separate and subject to its own terms (not EU‑licensed; supervised in Singapore).
• Crypto: BTC, ETH, USDT, USDC and others are supported; example fees include 2.5% + EUR 10 (ETH/USDT) or 2.5% + EUR 20 (BTC/USDC). Minimum payout is typically 100 USD/EUR (or equivalents), with exceptions for the largest plans and the SwiftTrader minimum‑profit rule.