FXIFY Account Types Compared
FXIFY sells six evaluation types and two instant accounts, and they differ most in drawdown model, payout timing, consistency rules and news limits.
FXIFY sells eight account types: One Phase, three versions of Two Phase (Standard, Classic and Pro), Three Phase, a five day Lightning challenge, Instant Funding and Instant Funding Lite. They differ most in how the maximum loss is measured, when payouts can be taken and whether news, weekends and expert advisors are allowed. List prices on 1 October 2026 ran from $19 for a $2,500 Instant Funding Lite account to $4,249 for $100,000 of Instant Funding.
The evaluation accounts
| Account | Targets | Daily loss | Maximum loss | Minimum days | Sizes and list prices |
|---|---|---|---|---|---|
| One Phase | 10% | 3% | 6% trailing | 5 | $5,000 to $400,000, $59 to $2,950 |
| Two Phase Standard | 10%, then 5% | 4% | 10% trailing | 5 per phase | $5,000 to $400,000, $59 to $2,950 |
| Two Phase Classic | 5%, then 10% | 4% | 10% static | 4 | $5,000 to $100,000, $59 to $549 |
| Two Phase Pro | 4%, then 8% | 4% | 8% static | 3 days of 0.5% or more | $10,000 to $250,000, $129 to $1,350 |
| Three Phase | 5% in each phase | 5% | 5% static | 5 per phase | $5,000 to $400,000, $39 to $1,599 |
| Lightning | 5% within 5 trading days | 3% | 4% trailing | 3 | $10,000 to $100,000, $59 to $399 |
The daily loss is measured from the previous day’s balance at 5 pm EST on every account. The trailing limits follow the highest closed balance and lock at the starting balance once profit equals the drawdown, or once a payout is taken. The static limits never move. Only the evaluations above allow news trading, weekend holding and expert advisors, with two exceptions: Lightning bans news trading and expert advisors, and requires a stop loss on every trade. Leverage is 30:1 as standard on One Phase and Three Phase, with 50:1 on forex and precious metals available as an upgrade at checkout; Two Phase Classic is fixed at 1:30 on majors and gold.
The instant accounts
Instant Funding skips the evaluation. It is sold from $1,000 to $100,000, has an 8% daily loss limit and an 8% trailing maximum loss that locks at the starting balance at 8% profit or after a payout, and pays up to 90%. The first payout comes 14 days after the first trade, then every 14 days. Instant Funding Lite is cheaper, from $2,500 to $50,000, with a 3% daily limit, a 4% trailing limit and a 20% consistency rule, and pays every ten days after at least five trading days. Neither instant account allows news trading, weekend holding, expert advisors, bots or copy trading, and neither refunds its fee.
What happens once funded
| Account | Split | Payouts | Funded rules to note |
|---|---|---|---|
| One Phase, Two Phase Standard, Three Phase | 80%, or 90% with an add on | First on demand after a profitable closed trade, then every 30 days, or 14 with an add on | Fee refunded with the first payout |
| Two Phase Classic | 80% every 14 days or 100% monthly | Chosen at purchase | 25% consistency rule; no fee refund |
| Two Phase Pro | 80% | Every 10 days | $4,000 maximum gain per day; days of 0.5% still required; no fee refund |
| Lightning | Up to 90% | First after 7 days, then every 14 | 30% consistency rule; stop loss required |
On the Classic, no funded day may be more than 25% of total profit, so the best day divided by 0.25 gives the profit needed. On the Pro, trading stops for the day once $4,000 of profit is made.
Worked example
The figures below compare a made up $50,000 account on four evaluation types. They illustrate the rules only.
| $50,000 account | Target in dollars | Daily loss | Maximum loss | List price |
|---|---|---|---|---|
| One Phase | $5,000 | $1,500 | $3,000 trailing | $379 |
| Two Phase Standard | $5,000, then $2,500 | $2,000 | $5,000 trailing | $379 |
| Two Phase Classic | $2,500, then $5,000 | $2,000 | $5,000 static | $379 |
| Three Phase | $2,500 three times | $2,500 | $2,500 static | $249 |
One Phase is the fastest route but has the least room: the $5,000 target sits against a $3,000 floor that follows every new closed high until the account is 6% up. Three Phase is the cheapest, but its $2,500 static limit is the same size as its daily limit, so one bad day can end the account. Standard and Classic share the same price and limits and differ in drawdown type and in the order of their targets.
The trailing floor needs care after a first payout. Suppose a $50,000 One Phase funded account closes at $52,000, so the floor has trailed to $49,000. If the trader takes a payout now, the floor locks at the $50,000 starting balance and the room shrinks from $3,000 to whatever is left above $50,000 after the withdrawal. The drawdown calculator and payout calculator run these figures for other sizes.
Costs and payout terms
All list prices above were shown on fxify.com on 1 October 2026; FXIFY was also running discount codes at the time, so the checkout price can be lower. The minimum payout on every account is $50. Payouts are paid only through Rise, which must be registered with the same email as the FXIFY account; once verification is complete, requests are usually processed within three business days, and the account is read only until approval. There is no commission on forex, metals, crypto or indices on the All In price feed, while the RAW feed charges $6 a lot; stock CFDs cost 0.35% a round trip on both.
A scaling plan applies to all sizes: a 10% return in the first three months, with at least two profitable months, adds 25% to the account, and each later three month period meeting the same test doubles it, up to four times, so a $400,000 account can reach $4 million. A trader may hold one active account of each size across the challenge and funded stages. Firms change their terms often, so confirm the current version before buying.
Which account suits which trader
- One Phase suits confident traders who want one target and an on demand first payout.
- Two Phase Classic suits traders who want a static floor and the option of a 100% monthly split.
- Two Phase Pro suits steady traders who value low targets and payouts every ten days.
- Three Phase suits cost conscious traders who can work inside a 5% static limit.
- Instant Funding suits traders who will pay more to skip the evaluation and do not trade news or hold over weekends.
For FXIFY against other firms, see FXIFY vs FundedNext, Maven Trading vs FXIFY and the FXIFY review.
Common mistakes
- Assuming every account allows news. Lightning and both instant accounts do not.
- Taking an early payout on a trailing account. The floor locks at the starting balance.
- Buying the Classic for the fee refund. Classic, Pro and the instant accounts do not refund it.
- Ignoring the Pro daily cap. Trading stops once $4,000 is made that day.
- Buying two accounts of one size. Only one active account per size is allowed.
Checklist
- Choose between trailing and static loss limits first.
- Check whether your style needs news trading, weekend holding or expert advisors.
- Note the payout timing and any consistency rule once funded.
- Set up Rise with the same email before your first payout.
- Compare the checkout price after any discount code.
For the choice between routes, see instant funding vs evaluation.
Frequently Asked Questions
What account types does FXIFY offer?
FXIFY offers One Phase, Two Phase in Standard, Classic and Pro versions, Three Phase and a five day Lightning challenge, plus two instant accounts, Instant Funding and Instant Funding Lite. The evaluations range from one to three phases with targets of 4% to 10% per phase, and the instant accounts skip the evaluation in exchange for higher prices or tighter limits.
Which FXIFY accounts have a static drawdown?
Two Phase Classic has a 10% static maximum loss, Two Phase Pro 8% and Three Phase 5%. One Phase, Two Phase Standard, Lightning and both instant accounts use a trailing maximum loss that follows the highest closed balance and locks at the starting balance once profit reaches the drawdown amount or a payout is taken.
Can I trade news on FXIFY?
On the One, Two and Three Phase accounts, yes, although FXIFY warns that traders taking significant risk on news trades may be banned for improper risk management. News trading is not allowed on Lightning, Instant Funding or Instant Funding Lite, and the instant accounts also ban weekend holding and expert advisors.
How often does FXIFY pay out?
It depends on the account. One Phase, Two Phase Standard and Three Phase allow a first payout on demand, then every 30 days or every 14 with an add on. Two Phase Classic pays every 14 days at 80% or monthly at 100%, Two Phase Pro and Instant Funding Lite every 10 days, and Instant Funding every 14 days. The minimum is $50.
Does FXIFY refund the challenge fee?
On One Phase, Two Phase Standard and Three Phase, the fee is refunded with the first payout, and Lightning also lists a refund. It is not refunded on Two Phase Classic, Two Phase Pro, Instant Funding or Instant Funding Lite. Buyers who want the refund should check which version of the Two Phase account they are choosing at checkout.