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Fintokei

Czech Republic (Fintokei a.s., Brno) · fintokei.com · checked 2026-10-23

12Fine-print score (provisional)1 docs read · Provisional (not ranked)
VPN banMin hold timeNews limitsGag clausePayout cap

Plans

Every value links to its source. Not published by firm means the firm doesn't publish it. Not verified yet means we haven't found it yet. ⚠ Not confirmed means we have a value but could not find it on the firm's live pages on 24 Oct 2026.

From$39 promo
Targetphase1: 8% · phase2: 6%
Daily DD5% (equity based)
Max DD10% (type not explicitly stated)
Split80% initial ProTrader performance reward

💱 Prices USD (struck-through list price with promo code NEW20 shown on page; both recorded)

Sizes & prices
$5K $49 LIST$5K $39 PROMO$10K $99 LIST$10K $79 PROMO$20K $159 LIST$20K $127 PROMO$50K $329 LIST$50K $263 PROMO$100K $549 LIST$100K $439 PROMO$200K $1,249 LIST$200K $999 PROMO$400K $2,599 LIST$400K $2,079 PROMO
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Profit target
phase1: 8% · phase2: 6%
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Daily drawdown
5% (equity based)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Max drawdown
10% (type not explicitly stated)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Consistency rule
Not published by firm not published
source ↗checked 2026-10-23
Min trading days
3 trading days per phase (max unlimited)
Gap-fill note: Accounts purchased after 15 Jul 2026: 3 separate trading days (a day counts if a trade is open/active on that server-time calendar day; no need to open/close daily). Support article says accounts bought before 15.7.2026 had the 5-day variant ('3 or 5 days').
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
News trading
News trading allowed
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Weekend / overnight
Allowed
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
EAs
EAs allowed; third-party EAs made to pass evaluations prohibited
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Copy trading
Prohibited: copying trades from other persons' signals or third-party managed accounts
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Leverage FX
1:100
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Leverage gold
1:100 on FX, Gold and Silver
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Gold commission / spread
Not published by firm not published
source ↗checked 2026-10-23
Payout split
80% initial ProTrader performance reward; higher via Loyalty Program Boost (tier based) - exact ceiling not published in the articles read. Old scaling program retired 21 Jan 2026 and replaced by Capital Scaling Boost (up to 25% more capital)
Gap-fill note: Article dated 20 Jan 2026; Scaling: https://support.fintokei.com/en/articles/8409193-what-is-scaling. Consistency Rules CR1 reduce reward ratio by 15 percentage points
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Payout frequency
Payout approved in seconds; Fintokei's pages differ on payment timing: the SwiftTrader page says money is sent within 3-5 hours, the payouts page says requests are processed within 24 hours (within seconds by e-wallet)
source ↗checked 2026-10-24✓ matched live page 24 Oct 2026
Platforms
TradingView, MetaTrader 5, cTrader
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026

Hidden rules 23

Read clause by clause from the firm's legal documents. Grouped by what happens if you break the rule. Tap a rule to see the exact quote and clause.

Account breach 14

Hitting the profit target in one trade, or in a few similar trades on one instrument in one day, counts as gambling.
“Achieving the Profit Target in one trade (or in a few similar trades on the same instrument within one day)”

Clause V.2(xvii) · consistency gambling · applies to: All challenges and funded · source ↗

Using the same or similar strategy or trades as your mentor or other Fintokei customers is prohibited. ⚑ flagged
“Use the same or similar strategy and/or place the same or similar trades as your mentor, or as other Customers”

Clause V.2(vi) · copy trading account sharing · applies to: All · source ↗

⚑ FLAG: very broad; this could catch students of the same course.

Your trading IP must match the region of your billing address, and connecting from several countries or masking your IP (VPN) is banned. ⚑ flagged
“Trading IP’s must show from the same region as the billing address.”

Clause V.2(x) · ip vpn device · applies to: All · source ↗

⚑ FLAG: this applies to travelling traders.

Two customers can't share a trading device, and nobody else, family included, can access your account.
“Share 1 electronic device used for trading on Fintokei demo accounts between multiple Customers”

Clause V.2(vii)-(viii) · ip vpn device · applies to: All · source ↗

Tick scalping or HFT that opens and closes trades within 'seconds to minutes' is banned. ⚑ flagged
“by opening and closing trades within a matter of seconds to minutes”

Clause V.2(i) · banned strategies · applies to: All · source ↗

⚑ AMBIGUOUS: 'minutes' has no lower limit.

You can't rely entirely on third-party signals or bots, or use EAs built to pass evaluations.
“Rely entirely on signals, bots or software from third parties”

Clause V.2(ii)-(iii) · banned strategies · applies to: All · source ↗

Hedging or opposite trades across your accounts or with other customers, plus front-running, are banned.
“Perform hedging or opening opposite trades across multiple accounts or by a group of multiple Customers”

Clause V.2(xii)-(xiv) · banned strategies · applies to: All · source ↗

Blowing several accounts in a row ('irresponsible' cumulative losses) is itself a prohibited practice.
“leading to breaches of multiple of these accounts and resulting in the excessive cumulative losses”

Clause V.2(xvii) · consistency gambling · applies to: All · source ↗

Exceeding a 'maximum risk on open trades', defined only in the FAQ, is prohibited. ⚑ flagged
“exceed the maximum risk on open trades, which is further defined in the FAQs”

Clause V.2(xvii) · risk per trade stop loss · applies to: All · source ↗

⚑ The limit isn't in the T&C.

Receiving an 'excessive' number of warnings is a breach in itself, as is exceeding the broker's max open orders. ⚑ flagged
“Receive the excessive amount of warnings”

Clause V.2(xviii)-(xix) · lot position caps · applies to: All · source ↗

⚑ The numbers are only in the FAQ.

Employees of, or anyone engaged with, any other prop firm or broker can't use Fintokei. ⚑ flagged
“shall not be provided to any individual who is employed by, affiliated with, or otherwise engaged - directly or indirectly - with any proprietary trading firm, broker”

Clause II.3 · country kyc · applies to: All · source ↗

⚑ AMBIGUOUS: 'engaged' could include affiliates or partners of other firms.

Maximum risk on open trades 3% (realised+unrealised loss on a single trade idea, and on a group of open trades, vs initial balance); a Trade Idea = trades with same symbol+direction with any time overlap. Breach = gambling practice (warning first). Recommended 0.5-1%
“How it works: If you open three separate BUY positions on XAUUSD, and their open durations overlap at any point, they are grouped together as one single "Trade Idea". The Rule: If your total realised or unrealised loss across these overlapping XAUUSD trades exceeds the maximum allowed risk threshold (e.g., 3% of your initial account balance) at any moment, it is considered a breach.”

Clause (see source) · risk per trade stop loss · applies to: see rule · source ↗

Copy trading and third-party EAs forbidden (own/customised EA allowed; copying own trades from other firms allowed; reversed/opposite copying prohibited; letting others trade your account prohibited); first detections -> warning email, repeats escalate. Multiple profiles/registrations prohibited
“Copying reversed / opposite trades from the account of yourself or someone else held with a different prop firm or a broker. Letting another person or a 3rd party provider to trade on your account on your behalf (manual or automated).”

Clause (see source) · copy trading account sharing · applies to: see rule · source ↗

Prohibited practices collection includes tick scalping, latency arbitrage, opposite trading/hedging across accounts or traders, multiple profiles, multiple IPs from many countries/masked IPs, and unauthorised third-party payment. The high-risk and gambling collection covers one-sided betting without a strategy, overleveraging without a strategy, account rolling, ALL-IN trading to hit the profit target in one trade, and oversized risk. Martingale/aggressive averaging is now allowed but not recommended.
“Martingale and Aggressive Averaging: now allowed but not recommended What is the definition of Tick scalping? What is the definition of Latency arbitrage trading ? What is the definition of Opposite trading or Hedging across multiple accounts or traders ? ... using multiple IP addresses from many countries when connecting to your Fintokei Demo accounts or masking the IP addresses? What is unauthorized third-party payment? ... What is the definition of One-sided betting without a strategy? What is Overleveraging without a strategy? What is Account rolling ? What is ALL-IN Trading and why is it forbidden to achieve Profit Target in one trade? How do we define the Oversized risk?”

Clause (see source) · banned strategies · applies to: see rule · source ↗

Profit voided 1

A breach can suspend all your accounts with no reward payouts, or force you to restart challenges.
“suspend any and all Fintokei demo accounts without any further notice. In such case, you are not entitled to any performance reward payouts”

Clause V.3(ii) · deny void change rules · applies to: All · source ↗

Payout delayed or denied 3

Fintokei can refuse the funded contract after KYC 'for any or no reason'.
“reject entering into the Virtually funded phase Contract for any or no reason”

Clause VIII.6 · country kyc · applies to: After passing · source ↗

Excessive warnings (counted since 1 Jun 2025, all accounts): 3 warnings -> max open-trade risk cut from 3% to 1% (or Consistency Rules L1); 6 warnings -> Consistency Rules L2 on all accounts + possible KYC; 10+ -> profile/cooperation may be terminated
“We started to count this as of 1.6.2025 ... After 3 warnings (received as of 1.6.2025) ... you will need to follow a stricter Maximum Risk on open trades, decreased from 3% to 1%. ... In more serious or combined cases, we may apply Consistency Rules - level 1 directly. ... After 6 warnings (received as of 1.6.2025) We may: Apply Consistency Rules - level 2 to all your active and future accounts. Require you to verify your identity and pass the KYC (if not done already) ... After receiving 10 or more warnings altogether (as of 1.6.2025) Your profile and our cooperation may be terminated from the platform”

Clause (see source) · consistency gambling · applies to: see rule · source ↗

Consistency Rules are NOT standard conditions; Fintokei applies them to a small minority of traders, usually after previous warnings or when it detects gambling-style or unsustainable patterns (help article dated 19 Aug 2026). CR1: open-trade risk at or below 1% and reward ratio reduced by 15 percentage points. CR2 adds a daily profit cap of +1% of starting balance, leverage cut to 1:10 FX / 1:5 other, and reward ratio reduced by 30 points. Other possible restrictions: mandatory stop losses, reduced leverage, daily lot cap, news restriction, no instant payouts, 40% consistency rule for payout eligibility, net-positive payout policy, Dynamic Performance Reward. Restrictions carry over to accounts the current account upgrades to.
“These restrictions are not part of the standard evaluation conditions, and we apply them only to a very minor part of our traders, usually after the previous warnings. ... CR1 — Consistency Rules, first level Applied as an initial measure in less severe cases: You must keep your maximum risk on open trades at or below 1%. Your Performance Reward ratio is reduced by 15 percentage points from your program baseline ... CR2 — Consistency Rules, full level Applied in more serious or repeated cases: You must keep your maximum risk on open trades at or below 1%. Daily Profit Cap: Maximum daily profit will be capped at +1% (calculated from the Starting Balance). The leverage is reduced to 1:10 for FX and 1:5 for all other instruments. Your Performance Reward ratio is reduced by 30 percentage points ... require you to use Stop Losses and limit your maximum risk per trade, per account or per day cap your maximum daily profit* reduce leverage set your maximum daily lot exposure ... restrict trading during news restrict instant payouts apply 40% Consistency rule** for the Payout request eligibility apply a Net positive payout policy*** for the Payout request eligibility apply Dynamic Performance Reward”

Clause (see source) · consistency gambling · applies to: see rule · source ↗

Info 5

If flagged, Fintokei can cap your daily profit, set a max daily lot size, force stop-losses, ban news trading or cut leverage, possibly indefinitely and on future challenges too.
“cap your maximum daily profit ... set your maximum daily lot exposure ... Consistency rules may apply even on any new Fintokei challenge purchased by you in the future”

Clause V.3(iii) · payout daily profit caps · applies to: All · source ↗

A non-disclosure and non-disparagement clause applies. ⚑ flagged
“Non-disclosure and Non-disparagement obligations”

Clause XXIV · dispute jurisdiction · applies to: All · source ↗

⚑ FLAG: this is a gag clause.

Terms can change with a month's notice or simply by posting the update. ⚑ flagged
“after giving you one month’s notice or by posting updates and changes to our website”

Clause XXVI.1 · deny void change rules · applies to: All · source ↗

⚑ AMBIGUOUS: 'or by posting' could make the notice period meaningless.

Czech law applies, and the Municipal Court in Brno handles disputes.
“governed by the laws of the Czech Republic ... Municipal court in Brno”

Clause XXV.3 · dispute jurisdiction · applies to: All · source ↗

Martingale and aggressive averaging are now allowed, but the firm does not recommend them. ⚑ flagged
“You will not be penalized for using Martingale or Aggressive Averaging. Your account will not be breached solely for applying these strategies.”

Clause Help centre article body (dated July 28, 2025) · banned strategies · applies to: All plans · source ↗

⚑ Article body read 24 Oct 2026; it also says "As of July 28, 2025 , Martingale Trading & Aggressive Averaging is no longer listed among our prohibited trading practices".

Legal documents read: General Terms V16 (Oct 2026) PDF

Firm-reported payouts

⚠ Reported by the firm, not independently verified. These are the firm's own claims, copied from its website, press releases and official X account. We haven't checked them. Words like "verified" inside a quote are the firm's, not ours.

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Not published by firm

We looked for these and the firm doesn't publish them, or only gives them on request or inside the platform.

Rule change history

· Minimum trading days (ProTrader): 5 days (the earlier variant) → 3 separate trading days per phase · source ↗

Full change log · 🔔 Follow Fintokei for alerts