AE
3 Years 
Max. allocation$200K
Forex and CFD
Fintokei
Traded on cTrader, MT5 and TradingView.
Markets
Platforms
-
cTrader -
MT5
- TradingView
- Max. allocation
- $400K
Rules at a Glance
Fintokei rules in full
No copy trading or using someone else’s EA/bot (no signal providers, Telegram/Discord copying, or trade mirroring). Max risk on open trades is 3% (based on realized + unrealized loss, per trade idea and per group of open trades). Prohibited practices include latency arbitrage, tick scalping, hedging across accounts, and using multiple profiles under the same identity. We may apply “Consistency rules” like profit caps, leverage reduction, stop loss requirements, or news trading restrictions.
Scaling rules
Fintokei review
Fintokei is a forex and CFD prop firm run by Fintokei a.s. in Brno, Czech Republic, and part of the Purple Group, which created it with the broker Purple Trading SC. It launched in Japan in 2022 and sells accounts in USD, EUR, CZK and JPY. Traders use TradingView, MetaTrader 5 or cTrader on simulated accounts covering forex, metals, energies, indices and crypto CFDs. There are four programs. StartTrader is a three step challenge with targets of 2%, 3% and 6%, a 3% daily limit and a 6% maximum loss, priced from $44 for $5,000 to $419 for $100,000. SwiftTrader is a one step challenge with a 6% target, a 2% daily limit and a 3% maximum loss, from $44 up to $1,099 for $200,000. ProTrader is a two step challenge with targets of 8% and 6%, a 5% daily limit and a 10% maximum loss, from $49 for $5,000 to $2,599 for $400,000. ProTrader Swing uses the same targets with a balance based daily limit and swap free trading, from $69 to $1,499. Performance rewards are 80% on ProTrader, 90% on SwiftTrader and 50% to 100% on StartTrader, and payouts are available every 14 days. Residents and citizens of the United States and India cannot join.
Suits
Disciplined forex and CFD traders who keep risk per idea well under 3% and want payouts approved in seconds on a two step challenge with no time limit.
Less suited to
Avoid Fintokei if you live in or hold citizenship of the United States or India, or if you size single ideas to risk more than 3% of the account.
Pros
- Payout requests are approved automatically within seconds, and Walletory payouts of up to $10,000 arrive almost immediately.
- ProTrader and ProTrader Swing have no time limit on either phase.
- News trading, weekend holding, your own EAs and martingale are all allowed.
- Indices, oil and crypto CFDs carry no commission, and new ProTrader Swing accounts are swap free.
- The Loyalty Program unlocks free challenges, a higher reward ratio and up to 25% more capital as traders earn XP.
Cons
- Losses on any trade idea or group of overlapping trades are capped at 3% of the initial balance, and repeated warnings bring stricter Consistency Rules.
- SwiftTrader combines a 3% maximum loss with a 2% daily limit and a 60 day evaluation window.
- The StartTrader reward is set by a formula and can be as low as 50% of profit.
- Payouts require 14 days between requests, three trading days and all positions closed.
- Residents and citizens of the United States, India and 18 other countries cannot join, and new purchases are paused in 16 more.
Verdict
Fintokei's clearest strength is its payout process. Requests are approved automatically within seconds, the account keeps trading, and payouts of up to $10,000 through the Walletory wallet arrive almost at once, while bank and crypto transfers are sent within one business day. The rules on trading style are fairly open: news trading, weekend holding, your own EAs and, since July 2025, martingale are all permitted, and ProTrader and ProTrader Swing have no time limit on either phase. The Loyalty Program adds XP for activity that unlocks free challenges, a higher reward ratio, larger loss limits and up to 25% more capital. The rules still carry weight. Every program caps the loss on any trade idea, or any group of overlapping trades, at 3% of the initial balance, and repeated warnings can lead to Consistency Rules that cut the reward ratio by 15 or 30 points and reduce leverage. Daily limits are set from a midnight snapshot, so open profit held overnight tightens the next day's limit on ProTrader. SwiftTrader is quick but narrow, with a 3% maximum loss and a 60 day window, and the StartTrader reward follows a formula that can pay as little as 50%. Payouts need 14 days between requests and three trading days, with a $100 minimum. Trustpilot shows a rating of 4.4 from 1,381 reviews. Fintokei suits disciplined forex traders who keep risk per trade small and value quick, predictable payouts.
Payouts
Payouts are performance rewards you can request from your MyFintokei dashboard after you pass KYC, and you must close all open trades before requesting.
Timing and frequency: you can request again only after 14 days from your last payout (or from your first trade).
How fast you get paid: with Instant Payouts, approval is usually seconds, then Walletory wallet-to-wallet up to $10,000 arrives in seconds; other methods (bank wire, crypto, Walletory over $10,000) are sent within 1 business day.
Minimum payout: $100 / €100 / 2,000 CZK / 20,000 JPY (SwiftTrader also requires at least 3% profit).
Important: payouts can only go to accounts held exclusively by you (no third-party payouts).
Leverage and Commissions
| Market | 1 Step | 2 Step | 3 Step | Commission |
|---|---|---|---|---|
| FX | 25:1 | 100:1 | 25:1 | per side ($3) |
| Metals | 25:1 | 100:1 | 25:1 | per side ($3) |
| Indices | 20:1 | 50:1 | 20:1 | commission-free (commission-free) |
| Energy | 10:1 | 20:1 | 10:1 | per side ($3) |
| Crypto | 2:1 | 2:1 | 2:1 | zero commissions (zero commissions) |
Firm Details
- In operation
- 4 years
- Trustpilot
- 4.4 out of 5
- Platforms
- cTrader, MT5, TradingView
- Markets
- FX, Metals, Indices, Energy, Crypto
- Payment methods
- credit or debit card (Visa, Mastercard, Maestro, JCB), Apple Pay or Google Pay, Walletory (only if you’ve had a successful Walletory payout before), crypto transfer (BTC, USDT, USDC, ETH, LTC, MATIC, TRX, SOL), SEPA bank transfer (EUR challenges only), and domestic bank transfer (JPY challenges only).
- Payout methods
- you request it in MyFintokei, and funds can be sent by bank wire transfer, wallet to wallet transfer, or to a crypto wallet you own (you’ll enter the details in the dashboard). You’ll need to complete KYC before you can request a payout.
Questions about Fintokei
Is Fintokei legit?
Fintokei is operated by Fintokei a.s., registered in Brno in the Czech Republic, and belongs to the Purple Group, which also runs the broker Purple Trading SC. It launched in Japan in 2022. The firm is not regulated and states that all accounts are simulated using real market quotes. Trustpilot shows a rating of 4.4 from 1,381 reviews.
How much does a Fintokei challenge cost?
In USD, a $5,000 account costs $44 on StartTrader or SwiftTrader, $49 on ProTrader and $69 on ProTrader Swing. A $100,000 account costs $419, $499, $549 and $679 respectively. The largest ProTrader account, $400,000, costs $2,599. Accounts are also sold in EUR, CZK and JPY at separate prices, and first time buyers are offered a 20% discount code.
What is the difference between ProTrader and ProTrader Swing?
Both use targets of 8% and 6%, a 5% daily limit and a 10% maximum loss with no time limit. ProTrader sets the daily limit from equity at midnight UTC, including open trades, while ProTrader Swing uses the closing balance, so overnight positions do not tighten the next day's limit. ProTrader Swing accounts bought from 15 July 2026 are also swap free.
How fast does Fintokei pay out?
Payout requests are approved automatically, usually within 10 to 20 seconds, and the account stays active. Walletory wallet payouts of up to $10,000 arrive within seconds, while bank transfers, crypto and larger amounts are sent within one business day. Payouts are available every 14 days with a $100 minimum, after identity checks and three trading days.
What is the maximum risk on open trades rule at Fintokei?
Fintokei limits the realised and unrealised loss on any single trade idea, and on any group of trades open at the same time, to 3% of the initial balance. A breach does not close the account, but it triggers a warning, and repeated warnings can lead to Consistency Rules that cut the reward ratio and the available leverage.
Can you use EAs at Fintokei?
Yes, if you built the EA yourself or configured it with your own settings. Running a commercial or free EA unchanged, copying signals or another trader, and letting someone else trade the account are all banned. Tick scalping, latency arbitrage, high frequency trading and hedging across accounts or traders are also prohibited.
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