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48 programmes · 14 firms

Prop firms that refund the fee (as of Oct 2026)

Criterion: The firm refunds the challenge fee with the first or a later payout.

48 programmes from 14 firms (282 account sizes)

Some firms refund the challenge fee, tied to a payout on the simulated account.

A challenge is listed when the firm states a refund with the first or a later payout. If you never reach a payout, nothing is refunded.

So count the fee as a cost: the refund comes with a condition attached.

Not a recommendation: this list filters by the stated rule only. It says nothing about whether a challenge suits you, and it is not investment advice.

48 programmes from 14 firms (282 account sizes)

Sorted by name. There is no ranking.

For 224 more challenges a value the criterion needs is not confirmed; they are left out until the firm confirms it.

Prop firms that refund the fee: matching programmes, sorted by name
ProgrammeAccount sizesList priceCost per 1,000 of bufferValue for the criterionAs of
AquaFunded1 Step FlexUSD 5K–100K5 sizesUSD 64.62 – USD 481.39USD 40.12 – USD 107.70with a later payoutThe fee of the passed account is refunded with the fourth payout; no refund if the account is hard-breached before.03 Nov 2026
AquaFunded1 Step StandardUSD 5K–200K6 sizesUSD 57.08 – USD 875.54USD 72.96 – USD 190.27with a later payoutThe fee of the passed account is refunded with the fourth payout; no refund if the account is hard-breached before.03 Nov 2026
AquaFunded2 Step EliteUSD 5K–100K5 sizesUSD 28 – USD 393.08USD 32.76 – USD 46.67with a later payoutThe fee of the passed account is refunded with the fourth payout; no refund if the account is hard-breached before.03 Nov 2026
AquaFunded2 Step ProUSD 5K–200K6 sizesUSD 20 – USD 559.20USD 27.92 – USD 40.00with a later payoutThe fee of the passed account is refunded with the fourth payout; no refund if the account is hard-breached before.03 Nov 2026
AquaFunded2 Step StandardUSD 5K–200K6 sizesUSD 30.15 – USD 860.68USD 53.79 – USD 95.57with a later payoutThe fee of the passed account is refunded with the fourth payout; no refund if the account is hard-breached before.03 Nov 2026
AquaFundedPay After Pass (Pay Later)USD 2.5K–400K9 sizesUSD 5USD 60.20 – USD 208.00with a later payoutApplies to the USD 5 evaluation fee (general rule: refund with the fourth payout, not after a hard breach). The /pay-later page shows 'One-time fee • 100% Refundable'; AquaFunded does not say explicitly whether the activation fee is refunded as well.03 Nov 2026
Atlas Funded1-StepUSD 5K–200K6 sizesUSD 61 – USD 867USD 61.93 – USD 174.29with a later payoutWith the 3rd consecutive payout on the same account the challenge price actually paid (after discounts, excluding add-ons) is refunded – as Atlas Balance (credit for challenges and add-ons, cannot be withdrawn), not in cash.03 Nov 2026
Atlas Funded1-Step DailyUSD 5K–200K6 sizesUSD 80.50 – USD 1,016.60USD 84.72 – USD 268.33with a later payoutWith the 3rd consecutive payout on the same account the challenge price actually paid (after discounts, excluding add-ons) is refunded – as Atlas Balance (credit for challenges and add-ons, cannot be withdrawn), not in cash.03 Nov 2026
Atlas Funded2-StepUSD 5K–200K6 sizesUSD 43 – USD 816USD 40.80 – USD 86.00with a later payoutWith the 3rd consecutive payout on the same account the challenge price actually paid (after discounts, excluding add-ons) is refunded – as Atlas Balance (credit for challenges and add-ons, cannot be withdrawn), not in cash.03 Nov 2026
Atlas Funded2-Step DailyUSD 5K–200K6 sizesUSD 59.80 – USD 957.95USD 59.87 – USD 149.50with a later payoutWith the 3rd consecutive payout on the same account the challenge price actually paid (after discounts, excluding add-ons) is refunded – as Atlas Balance (credit for challenges and add-ons, cannot be withdrawn), not in cash.03 Nov 2026
Atlas FundedAccessUSD 5K–400K8 sizesUSD 5USD 43.60 – USD 114.00with a later payoutWith the 3rd consecutive payout on the same account the challenge price actually paid (after discounts, excluding add-ons) is refunded – as Atlas Balance (credit for challenges and add-ons, cannot be withdrawn), not in cash. On Access that is only the USD 5 entry fee; the "funded" fee is not refunded. The refund policy (6 Aug 2026) still names the 4th payout for Access.03 Nov 2026
Atlas FundedInstant FundedUSD 5K–400K8 sizesUSD 61 – USD 1,826USD 91.30 – USD 244.00with a later payoutWith the 3rd consecutive payout on the same account the challenge price actually paid (after discounts, excluding add-ons) is refunded – as Atlas Balance (credit for challenges and add-ons, cannot be withdrawn), not in cash. The refund policy (6 Aug 2026) still names the 5th payout for Instant.03 Nov 2026
Atlas FundedInstant ZeroUSD 5K–200K6 sizesUSD 80 – USD 1,297USD 162.13 – USD 400.00with a later payoutWith the 3rd consecutive payout on the same account the challenge price actually paid (after discounts, excluding add-ons) is refunded – as Atlas Balance (credit for challenges and add-ons, cannot be withdrawn), not in cash. The refund policy (6 Aug 2026) still names the 5th payout for Instant.03 Nov 2026
Audacity CapitalAbility Challenge (2 Step)USD 5K–200K6 sizesUSD 49 – USD 1,049USD 34.97 – USD 65.33with the first payout"Reward Bonus" equal to the registration fee with the first payout from the live account, provided the payout exceeds the fee and the account stays compliant.02 Nov 2026
Finotive Funding2 Step Solo FXUSD 2.5K–200K7 sizesUSD 12.50 – USD 600USD 30.00 – USD 50.00with the first payoutRefund to the original payment method upon approval of the first payout request (T&C 8.8.8). Help articles 1101 and 1103 instead say "after 30 days in funded status"; the Terms prevail.03 Nov 2026
For TradersClassic (Forex)USD 6K–100K5 sizesUSD 67 – USD 599USD 74.88 – USD 139.58with a later payoutBonus equal to the challenge fee, added automatically to the fourth payout in the Master account. Not for Instant and Pay After Pass accounts; the article does not distinguish by market.03 Nov 2026
For TradersFast (Crypto)USD 6K–50K4 sizesUSD 59 – USD 469USD 143.33 – USD 179.33with a later payoutBonus equal to the challenge fee, added automatically to the fourth payout in the Master account. Not for Instant and Pay After Pass accounts; the article does not distinguish by market.03 Nov 2026
For TradersFast (Forex)USD 6K–100K5 sizesUSD 49 – USD 469USD 78.17 – USD 136.11with a later payoutBonus equal to the challenge fee, added automatically to the fourth payout in the Master account. Not for Instant and Pay After Pass accounts; the article does not distinguish by market.03 Nov 2026
For TradersFast (Futures)USD 25K–100K3 sizesUSD 139 – USD 339USD 99.50 – USD 139.00with a later payoutBonus equal to the challenge fee, added automatically to the fourth payout in the Master account. Not for Instant and Pay After Pass accounts; the article does not distinguish by market.03 Nov 2026
For TradersFast PRO (Crypto)USD 25K–100K3 sizesUSD 137 – USD 289USD 72.25 – USD 137.00with a later payoutBonus equal to the challenge fee, added automatically to the fourth payout in the Master account. Not for Instant and Pay After Pass accounts; the article does not distinguish by market.03 Nov 2026
For TradersFast PRO (Futures)USD 50K1 sizeUSD 199USD 99.50with a later payoutBonus equal to the challenge fee, added automatically to the fourth payout in the Master account. Not for Instant and Pay After Pass accounts; the article does not distinguish by market.03 Nov 2026
For TradersFast Static (Forex)USD 6K–100K5 sizesUSD 69 – USD 639USD 106.50 – USD 191.67with a later payoutBonus equal to the challenge fee, added automatically to the fourth payout in the Master account. Not for Instant and Pay After Pass accounts; the article does not distinguish by market.03 Nov 2026
FTMOFTMO Challenge 2-StepUSD 10K–200K5 sizesEUR 89 – EUR 1,080EUR 54.00 / 1,000 USD – EUR 100.00 / 1,000 USDwith the first payout29 Oct 2026
FundedNextStellar 1-StepUSD 6K–200K6 sizesUSD 65.99 – USD 1,099.99USD 91.67 – USD 183.31with a later payoutFee refunded with the 3rd reward.29 Oct 2026
FundedNextStellar 2-StepUSD 6K–200K6 sizesUSD 59.99 – USD 1,099.99USD 55.00 – USD 99.98with the first payoutFee refunded with the 1st reward.29 Oct 2026
FundedNextStellar LiteUSD 5K–200K6 sizesUSD 32.99 – USD 798.99USD 49.94 – USD 82.48with a later payoutFee refunded with the 3rd reward.29 Oct 2026
FunderProClassic ChallengeUSD 1K–200K8 sizesUSD 29 – USD 989USD 49.45 – USD 290.00with the first payoutThe challenge fee is credited with the first reward (within 7 days); after an upgrade only the upgrade difference.03 Nov 2026
FunderProOne Phase ChallengeUSD 5K–200K7 sizesUSD 69 – USD 989USD 82.42 – USD 230.00with the first payoutThe challenge fee is credited with the first reward (within 7 days); after an upgrade only the upgrade difference.03 Nov 2026
FXIFYLightning ChallengeUSD 10K–100K4 sizesUSD 59 – USD 399USD 99.75 – USD 149.00with the first payout100% of the fee with the first withdrawal.03 Nov 2026
FXIFYOne PhaseUSD 5K–400K8 sizesUSD 59 – USD 2,950USD 87.42 – USD 196.67with the first payout100% of the original order value including add-ons, paid with the first withdrawal; no refund without profit.03 Nov 2026
FXIFYThree PhaseUSD 5K–400K8 sizesUSD 39 – USD 1,599USD 79.80 – USD 156.00with the first payout100% of the original order value including add-ons, paid with the first withdrawal; no refund without profit.03 Nov 2026
FXIFYTwo Phase Standard (Trailing)USD 5K–400K8 sizesUSD 59 – USD 2,950USD 52.45 – USD 118.00with the first payout100% of the original order value including add-ons, paid with the first withdrawal; no refund without profit.03 Nov 2026
Goat Funded Trader1 StepUSD 5K–200K6 sizesUSD 80 – USD 990USD 82.50 – USD 266.67with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded Trader2 Step GOATUSD 5K–150K6 sizesUSD 20 – USD 780USD 40.00 – USD 73.33with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded Trader2 Step GOAT (1% Floating Loss)USD 5K–150K6 sizesUSD 14 – USD 546.67USD 28.00 – USD 46.67with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded Trader2 Step Promo 100KUSD 100K1 sizeUSD 99USD 12.38with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded Trader2 Step StandardUSD 5K–200K6 sizesUSD 17 – USD 1,198USD 34.00 – USD 93.60with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded TraderInstant GOATUSD 5K–400K8 sizesUSD 108 – USD 2,998USD 124.92 – USD 360.00with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded TraderInstant HEROUSD 5K–400K9 sizesUSD 17 – USD 2,330USD 68.00 – USD 213.34with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded TraderInstant PremiumUSD 5K–150K7 sizesUSD 196 – USD 2,696USD 276.00 – USD 660.00with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Goat Funded TraderPay LaterUSD 5K–200K7 sizesUSD 5USD 62.69 – USD 207.50with a later payoutThe account's fee is refunded with the fourth payout on that account (per the help centre also for Instant and Pay Later accounts; not for Instant Daily). The Refund Policy page on the website does not mention this exception.02 Nov 2026
Maven TradingStandard 2-StepUSD 2K–100K6 sizesUSD 19 – USD 440USD 55.00 – USD 118.75with a later payoutWith the third withdrawal.29 Oct 2026
RebelsFundingRF Bronze (3 Phase)USD 5K–160K6 sizesUSD 42 – USD 669USD 41.81 – USD 84.00with the first payout150% of the programme fee as a "program fee refund bonus" with the first eligible RCF reward. Per Terms 6.15 not a general right to a refund; where offered, it can be taken as Credits (internal discount units) instead of money.03 Nov 2026
RebelsFundingRF DiamondUSD 5K–20K3 sizesUSD 190 – USD 690USD 575.00 – USD 633.33with the first payout100% of the programme fee after passing Level 0. Per the Program Rules the bonus then becomes available "under the applicable conditions"; per the FAQ a refund bonus, where applicable, is included with the first eligible RCF reward. Where the firm offers it, it can be taken as Credits instead of money (Terms 6.15).03 Nov 2026
RebelsFundingRF Silver (2 Phase)USD 5K–80K5 sizesUSD 50 – USD 420USD 52.50 – USD 100.00with the first payout100% of the programme fee as a "program fee refund bonus" with the first eligible RCF reward. Per Terms 6.15 not a general right to a refund; where offered, it can be taken as Credits (internal discount units) instead of money.03 Nov 2026
The Trading PitCFD Prime (2-Phase)USD 2.5K–100K6 sizesEUR 29 – EUR 569unknown1with a later payoutPurchases from 29 Apr 2026: after the 3rd payout; older purchases: after the 1st.29 Oct 2026
The5ersHigh Stakes (Classic)USD 2.5K–100K6 sizesUSD 22 – USD 455USD 56.88 – USD 88.00with the first payout70% of the fee with the first payout (min USD 150 profit, account active ≥14 days); 10% and 20% come earlier as Hub credit after Step 1 and 2.29 Oct 2026
The5ersHigh Stakes (New)USD 2.5K–100K6 sizesUSD 19 – USD 405USD 50.63 – USD 76.00with the first payout70% of the fee with the first payout (min USD 150 profit, account active ≥14 days); 10% and 20% come earlier as Hub credit after Step 1 and 2.29 Oct 2026

Reasons and notes for the numbers in the table

  1. 1Maximum loss not confirmed, so no buffer.
View in the full table (pre-filtered)Background in the guide: Checklist before you buy a prop firm challenge

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