Fintokei SwiftTrader

6 %

2 %

other basis

Reset: 00:00 UTC

a breach ends the account

Help centre: "−2% calculated from Equity", recalculated at 00:00 UTC. The one-step-challenge page says instead "calculated from the initial balance". A hit ends the account.

3 % · static

The floor stays fixed at the starting balance minus the limit.

Static, calculated from the initial balance.

3 days

Calendar day (UTC) with at least one open, executed trade; a trade held over several days counts for each day. If days are missing you keep trading without penalty until the count is met.

60 days

60 calendar days; per the one-step page finishing in fewer than 3 or more than 60 days is "game over".

≤ 3 % · other formula

other consequence

Daily profit cap in the evaluation phase only: on one trading day (00:00–00:00 UTC) at most 3% of the initial balance may be earned, i.e. half the 6% target. Example 100K: max USD 3,000 per day, so the USD 6,000 target takes at least two days. The SwiftTrader articles do not describe the consequence separately; in general Fintokei describes the daily profit cap like this: when reached, open trades are closed and the account is read-only until 00:00 UTC (not a breach); level = previous day's end-of-day equity + cap amount.

Simulated account

Per the terms, no trading at Fintokei is real: challenge and "funded" accounts are demo accounts with virtual funds and no order is executed on a real market. The performance reward is paid in real money.

2 %

other basis

Reset: 00:00 UTC

a breach ends the account

Help centre: "−2% calculated from Equity", recalculated at 00:00 UTC. The one-step-challenge page says instead "calculated from the initial balance". A hit ends the account.

3 % · static

The floor stays fixed at the starting balance minus the limit.

Static, calculated from the initial balance.

none

The 3% daily profit cap applies only in the evaluation phase. Individual consistency rules remain possible.

3 days

Calendar day (UTC) with at least one open, executed trade; a trade held over several days counts for each day. If days are missing you keep trading without penalty until the count is met.

90 %, up to 100 %

With the Loyalty Program up to 100% (cap); only for newly purchased or activated accounts.

Individual consistency rules cut the ratio by 15 or 30 percentage points.

14 days

Once profit reaches at least 3% of the initial balance (USD 150 at 5K to USD 6,000 at 200K) and at least 14 days have passed since the first trade on the "funded" account; at least 3 trading days, positions closed, KYC done. Approval usually within seconds.

every 14 days

Every 14 days from the last payout; each payout again needs at least 3% profit on the initial balance. The account stays active after the request.

– not documented for this version

Bank and e-wallet payouts: per the FAQ Fintokei covers the transfer fees. Crypto: 2.5% plus EUR 10 (ETH, USDT) or EUR 20 (BTC, USDC), other coins 2.5%. The terms say each party bears its own transfer costs; the exchange rate on the payout date applies.

no refund

Per the terms the fee is the consideration for the whole challenge and is not refunded. Only the time-limited BYEBYEFEE promotion (purchases 12 Oct–26 Nov 2026, first payout by 31 Dec 2026) reimburses the fee paid with the first payout.

The former scaling plan was replaced on 21 Jan 2026 by the Loyalty Program's Capital Scaling Boost: depending on the XP tier up to 25% more virtual capital on newly activated "funded" accounts (challenges always start at the original size). Maximum allocation: ProTrader and ProTrader Swing combined USD/EUR 400,000, SwiftTrader USD/EUR 200,000; only the boost goes beyond.

The account is closed if no trade is opened or closed within 30 calendar days. An account not activated within 30 days is suspended (reactivation on request within 6 months).

allowed

Trading before, during and after major news is allowed; it can be restricted as part of individual consistency rules.

allowed

Holding overnight allowed; swaps are charged or credited daily.

allowed

Positions may be held over the weekend; trading itself is not possible at weekends (crypto CFDs are 24/5 too).

restricted

Own or self-customised EAs allowed. Prohibited: third-party EAs, bots or signals without your own settings, EAs built to "pass" evaluations, tick scalping (trades under 10 seconds above 10% of volume), HFT, latency arbitrage; max 200 open or pending orders.

restricted

Copying other people's trades (signal providers, mentors, master accounts) and third-party account management are prohibited. Copying your own trades from other prop firm or broker accounts is allowed, reverse copying is not.

allowed

Only within the same account. Hedging across several accounts or clients, including accounts outside Fintokei, is a breach.

Forex 1:25 · gold-silver 1:25 · Indices 1:20 · xpd-xpt-oil-ngas 1:10 · btc 1:2 · other-crypto 1:1

Crypto CFDs: BTC 1:2, others 1:1 (all programmes). The symbol table on fintokei.com/symbols shows partly different SwiftTrader values (e.g. gold 50:1); this record follows the programme page and the leverage FAQ of 15 Jul 2026.

3 %

Realised plus open loss of a "trade idea" (same symbol, same direction, overlapping in time) and of all simultaneously open trades may never exceed 3% of the initial balance. A breach does not lose the account but triggers warnings and possibly consistency rules.