Instant Funding vs RZR Funded

Instant Funding and RZR Funded side by side on price, rules and payouts.

2 firms compared Updated 5 November 2026

Change Firms
Cheapest challenge, RZR Funded
$13
Biggest max. allocation, Instant Funding
$600K

At a Glance

2 firms
TrustpilotNot listed4.4
In operation5 yearsNot listed
CountryGBLC
Cheapest challenge$44PRO, $0.6K$13Instant24, $2KCheapest
Max. allocation$600KBiggest$200K
ProgramsPRO, IF Micro Lite, Lite, IF Micro PRO, IF Evolve, One-Phase Lite, One-Phase PROInstant24, Instant Lite, Instant Funding, Express, Enhanced, EnhancedX, Endurance

Trading Rules

Loss limits are a share of the starting balance. Breaking either limit ends the account.

2 firms
Daily loss limitAcross the firm's programsNone to 4%2% to 6%Most room
Max loss limitAcross the firm's programs4% to 10%3% to 10%
Daily drawdownEOD Balance
Calculated at 00:00 server time from the higher of balance or equity: 5% on Express and Enhanced, 4% on EnhancedX and Endurance, 6% on Instant Funding, 3% on Instant Lite and 2% on Instant24.
Max drawdownOne & Two-Phase: Static
Instant: Earn 5% profit? Your drawdown drops by 5%. One-time only
Express: 6% trailing the closed balance until it locks at the starting balance. Enhanced (10%), EnhancedX (8%) and Endurance (8%): static from the starting balance. Instant Funding: 6% trailing on balance, locking at the starting balance. Instant24 and Instant Lite: 3% and 5% maximum total loss. On Express, Enhanced and Instant Funding the first withdrawal locks the limit at the starting balance.
Minimum trading daysNot listed
None on Express and EnhancedX. Enhanced: 3 profitable days of at least 0.5% per stage and per payout cycle. Endurance: 3 trading days per stage. None on instant accounts.
Time limitNot listedNo time limit on challenges; Instant24 runs for 24 hours from the first trade.
News tradingInstant, One & Two-Phase (Funded): 8m Window No Execution
No restriction during challenges. On funded Hantec Trader accounts, trades cannot be opened or closed from 3 minutes before to 3 minutes after red folder news on Forex Factory. Instant Lite and Instant Funding offer news trading as a paid add on.
Overnight and weekendsInstant, One & Two-Phase (Funded): Overnight Holding Allowed. No Weekend
One & Two-Phase (Evaluation): Weekend Holding
Weekend holding allowed on Express, Enhanced, EnhancedX and Endurance. Instant Funding positions must be closed by 23:45 GMT+3 on Friday unless the weekend add on is bought. Crypto can be traded at weekends.
EAs and copy tradingYes However No 3rd party EAs. Yes However No Copying from Accounts Not Owned by the Trader or Group Trading Arrangements.
Expert Advisors are allowed on challenge accounts and the funded accounts that follow, provided they avoid the prohibited strategies list; EAs and robots are not allowed on Instant Funding. Copy trading rules sit in the prohibited strategies page, which was not reviewed.
Consistency ruleNot listed
None on Express, Enhanced, Endurance and Instant Funding. EnhancedX: best day no more than 35% of total profit, based on end of day equity. Instant Lite 20% and Instant24 15%. Funded accounts also have a 3% maximum open loss (1% on Instant24 and Instant Lite).

Payouts

When and how each firm pays once you are funded.

2 firms
Profit splitNot listed80% by default on challenge accounts, 95% with a paid add on; instant accounts advertise up to 95%
First payoutNot listed
First reward can be requested 14 days after the first trade on the funded account, or on demand with an add on. The firm promises approval within 24 business hours or it doubles the reward, up to $1,000, and states an average payout time of 10 hours.
Payout frequencyFortnightly then weekly for InstantEvery 14 days, or every 7 days with an add on; Instant24 pays once its 24 hour period ends
Minimum payout$25 - 1.5% of Starting Balance or $25 (Higher) for One-Phase & Two-Phase$20
Payout methodsBank transfer and Crypto via Rise, Direct Crypto payments
PayPal, Crypto (USDT, USDC, ETH and BTC), Bank transfer (SWIFT and SEPA), Pix and local methods in Latin America, Africa and Asia Pacific

Platforms and Markets

2 firms
Platforms
  • cTrader
  • MT5
  • Match Trader
  • Platform 5
Markets
  • FX
  • Metals
  • Indices
  • Energy
  • Crypto
  • FX
  • Indices
  • Metals
  • Other Commodities
  • Crypto
Leverage
FX up to 1:100
Indices up to 1:20
Crypto up to 1:2
Other Commodities up to 1:20
Up to 1:50 on major forex pairs (1:33 on USDCHF) per the product specifications; other asset classes not captured
Scaling plan
Duration Requirements: No Time | Instant, 90 Days | One-Phase & Two-Phase
Profit Requirements: 10% | Instant, One-Phase & Two-Phase
Scaling Percentage: 100% | Instant, 25% | One-Phase & Two-Phase
Max Scaling Amount: $1.28m | Instant, Double Starting Capital | One-Phase & Two-Phase
Traders move up by passing the challenge at the next account size at no extra cost, from $2,000 to $200,000, with add ons carried over. Combined funded accounts are capped at $400,000 of simulated allocation. Available on 1, 2 and 3 step challenges.

Rules and prices as each firm lists them on its profile here. Firms change their rules often, so check the firm's own site before you buy. We may earn a commission if you buy through our links. Firms cannot pay to change our ratings.