Maven Trading Account Types Compared

Maven Trading sells seven forex and CFD account types: Standard 1 Step, 2 Step and 3 Step challenges, an Omo 2 Step, a Buy Now Pay Later 1 Step, and two instant accounts, Instant and Mini. List prices on 1 October 2026 ran from $13 for a $2,000 3 Step to $472 for a $100,000 Omo, and most accounts pay 80%. The tight limits are what set Maven apart: several accounts allow only 2% to 3% of loss, and every trader’s withdrawals are capped at $10,000 in any rolling 30 days.

The challenge accounts

Daily loss is measured from the higher of balance or equity at 00:00 UTC. The Standard 2 Step needs three profitable days of at least 0.5% in each phase, and again before each funded withdrawal; the Omo needs four in each phase and when funded, and must be completed within 180 days. There is no time limit on the Standard accounts, but no account may go more than 30 calendar days without a trade. Expert advisors are not allowed on any account, weekend holding is allowed on all of them, and forex leverage is 75:1.

The instant accounts

Instant gives a funded account at once, from $15 for $2,000 to $380 for $100,000. It has a 2% daily limit, a 3% trailing maximum loss and a 1% cap on floating loss at any moment. A payout needs 3% profit and a best day of no more than 20% of total profit. Mini, from $17 to $440, is a single payout account: the trader has 24 hours from the first trade, one position at a time held for at least 150 seconds, the same 1%, 2% and 3% limits, and a 70% split. Its payout needs 3% profit and a largest winning trade below 15% of total profit, after which the account closes.

How funded accounts pay

The Omo and Buy Now Pay Later accounts also carry the M2 Account Saver: if open losses reach 2% of the balance, all trades are closed and the split drops to 50% for good, and a second trigger closes the account. On funded accounts, once profit in a payout cycle passes $5,000, no single day or trade may count for more than 50% of it; larger days are cut back to the 50% mark. Payouts above $5,000 also bring a risk interview.

Worked example

The figures below describe made up $10,000 accounts and a made up $100,000 funded account. They illustrate the rules only.

The Instant account shows how tight these limits are: two positions each $55 in the red would breach the $100 floating loss cap before either stop was hit. On the 1 Step, equity of $10,300 at any point lifts the floor to $9,785, 5% below that high, because the limit follows the equity high rather than the closing balance.

Now take the $100,000 funded Standard account. In one cycle the trader makes $6,000 on day 1 and $2,000 on each of days 2 and 3, a total of $10,000. Because profit passed $5,000 and the best day is 60% of it, the $6,000 day is cut back to $4,000, level with the other days combined, and $8,000 can be withdrawn, paying $6,400 at 80%. Profit above $10,000 in a rolling 30 day window would be voided altogether. The payout calculator, drawdown calculator and consistency rule calculator run these checks for other figures.

Costs and payout terms

The prices above are list prices shown on maventrading.com on 1 October 2026, when a 10% code for all accounts and a 40% code for Omo challenges were advertised. Challenge fees are refunded with the third withdrawal. Payouts go through Rise, which charges $20, or by direct bank transfer in some countries, including South Africa, Nigeria, Kenya and Ghana. Commission is $4 a round trip on forex and $6 on metals and energy, with no swaps. A trader can hold up to $200,000 of funded starting capital. The scaling plan adds 25% after 10% profit over four months with at least one payout a month, up to $1,000,000. A lost funded account can be bought back, from $200 for $2,000 to $6,000 for $100,000. Firms change their terms often, so confirm the current version before buying.

Which account suits which trader

• Standard 2 Step suits traders who want the widest static floor and regular payouts, and can avoid the two minute news window.
• Standard 3 Step suits very disciplined traders who want the lowest fees and can live with a 3% floor.
• Omo 2 Step suits traders who trade news and can meet four profitable days per stage.
• Buy Now Pay Later suits traders who want to risk $5 upfront and can pass with a 4% target.
• Instant and Mini suit short term traders who accept very small loss limits in exchange for skipping the challenge.

For Maven against other firms, see Maven Trading vs FXIFY, the Maven Trading review and cheapest prop firms.

Common mistakes

• Treating a small fee as a small risk. The 3 Step and instant accounts allow only 2% to 3% of loss.
• Holding a winner through red folder news. On Standard accounts, even a take profit filling in the window breaks the rule.
• Chasing more than $10,000 a month. Profit above the rolling cap is voided.
• Using an expert advisor. They are banned on every Maven account.
• Letting open losses reach 2% on Omo or Buy Now Pay Later. The Account Saver halves the split permanently.

Checklist

• Compare the dollar floor, not just the fee.
• Check the news rule for the account type you choose.
• Count profitable days of 0.5% where required.
• Plan withdrawals around the 10 business day cycle and the $10,000 cap.
• Set up Rise or check bank transfer availability before the first payout.