UK platform spreads follow scheduled time bands, with variable spreads on commodities also available. Pricing details - TradeNation website ↗.
TradeNation · Desktop & mobile
Trading comparison tool
288 account options
Prop firms
Provider
Plan
Payment
Fee
Steps
Account size
Base split
Payout (Days)
Website
Instant Funding
One-Phase Lite USD 50,000 - MetaTrader 5 - Commission Free
One-time
$284
1
$50K
80%
—
Plan details: One-Phase Lite USD 50,000 - MetaTrader 5 - Commission Free
Entry fee
$284Quoted currency: USDPrice type: Base price before coupons and optional add-onsBilling: one timeTax: Supplier tax terms conflict; final tax amount is not confirmedSource: Entry feeLast verified:
Billing terms
No, we do not charge any monthly fees. Our programs require only a one-time payment, with no recurring charges. 1 One-time payment You pay once at checkout for your challenge or account, and that’s it — no subscriptions, no recurring billing, and no surprise charges later. 2 What about commissions? Commission-free accounts have no per-trade commissions either. RAW spreads accounts do carry per-lot commissions — see Instrument commissions for the exact rates. Related articles More on how commissions work if you’re on a RAW spreads account. Instrument commissions The exact per-lot commission rates that apply to RAW spreads accounts. Read the article → What instruments do you have? The full range of instruments available across accounts. Read the article →Source: Billing termsLast verified:
Commission terms
Commission-free accounts have no commissions. The following commissions apply exclusively to RAW spreads accounts — the same rates apply across every programme, including IF Micro Lite. 1 Currencies All pairs: $5 per lot ZAR Accounts R80 per lot 2 Metals All instruments: $5 per lot ZAR Accounts R80 per lot 3 Commodities All instruments: $2 per lot ZAR Accounts R36 per lot 4 Crypto All cryptocurrencies: $1 per lot ZAR Accounts R16 per lot 5 Indices USD-based: $2 per lot Other indices: Approximately $2 per lot (varies with interest rates/exchange rates of the base currency) ZAR Accounts R36 per lot Related articles More on account fees and lot size limits. Do we have any Monthly Fees? No recurring fees — just the one-time challenge fee and, on RAW spreads accounts, these commissions. Read the article → Maximum Lot Sizes The lot size limits that apply per asset class. Read the article →Source: Commission termsLast verified:
Aggregate account limits
There’s a combined cap of $1,000,000 across all account types and challenge types, based on starting balance only. It’s one total limit, not a separate $1,000,000 per programme. This means scaling doesn’t count against your cap. If an account grows through a scaling plan, only the original starting balance is counted — the scaled-up portion is excluded. For example: if you already have $200,000 allocated in Instant Funding Pro and $400,000 in One-Phase Pro, that’s $600,000 of your $1,000,000 cap used, leaving $400,000 of headroom for other challenge types. If that One-Phase Pro account later scales from $400,000 to $500,000, your allocation used still counts as $400,000, not $500,000 — so your remaining headroom stays at $400,000 rather than shrinking. If you are trading in ZAR, the equivalent exchange is true: R 16,000,000 in starting balances. Related articles More on scaling and growing your allocation across accounts. How do I scale up my account balance? How scaling plans work, and why the scaled-up portion doesn’t count toward your combined cap. Read the article → How can I withdraw profits? How payouts work once an account qualifies, across every account type. Read the article →Source: Aggregate account limitsLast verified:
Platform eligibility
If you are in the US, Match-Trader is the only platform available. For global clients not based in the US, we offer MetaTrader 5 and cTrader as well as Match-Trader. 1 Match-Trader Available to all clients, including US-based traders. Guides: log in, place a trade, manage positions, switch accounts, view instrument info. 2 cTrader Available to clients outside the US. Guides: log in, place a trade, switch accounts, view symbol specifications, switch units to lots. 3 MetaTrader 5 Available to clients outside the US, alongside cTrader and Match-Trader. 4 Switching platforms Want to move between platforms on an existing account? See Can I switch trading platforms? for how that works. Related articles More on switching platforms and live trading conditions. Can I switch trading platforms? How to move between platforms on an existing account. Read the article → Are trades executed on live markets? Every platform runs on the same real-time market data. Read the article →Source: Platform eligibilityLast verified:
Verification terms
Everything you need to know about account verification process (kyc) — answered simply, with nothing hidden in the small print. 1 When Do I Need to Complete KYC? Verification is required when you pass a Funded Challenge for Challenge Accounts or reach the payout stage for Instant Funding Accounts. Completing KYC is mandatory to enable your simulated funded account or process payouts. If you encounter any difficulties with verification, please contact our support team at support@instantfunding.com. 2 What Information Is Required for KYC? To help you prepare for verification, please ensure you have: Government-Issued ID: Passport, driver’s license, or permanent residence ID. Proof of Address: Utility bill or bank statement. Financial Information: Bank account details or proof of income. Verification Documents: A selfie holding your ID. For successful verification, please provide valid and clearly visible documents. Please note that verification is conducted through SumSub and must be confirmed before your funded account can be activated or payouts processed. Instant Funding does not have the authority to make final verification decisions. 3 What Is KYC Abuse? KYC abuse includes any actions that compromise the integrity of the verification process, such as: Submitting Fake Documents: Providing forged or false identification. Identity Theft: Using someone else’s identity to access services. Multiple Accounts: Creating accounts under different names or identities. Misrepresentation: Providing false information about your identity, address, or financial status. 4 What Happens If KYC Abuse Is Detected? KYC abuse may lead to: Immediate suspension of your account. Permanent bans from our services. Legal action, including fraud-related proceedings. Reporting to regulatory and law enforcement authorities. 5 How to Stay Compliant with KYC Requirements? To avoid issues and ensure compliance, follow these steps: Provide accurate and truthful information during the KYC process. Keep all submitted documents valid and up to date. Use one account and avoid registering under different identities. Notify us of any changes to your personal information so we can update our records. Maintain IP consistency: If your trading IP location does not match your KYC IP location, you may be asked to verify this via travel documentation. 6 Why Is KYC Important? KYC ensures compliance, security, and trust across our platform. By following KYC guidelines, traders contribute to a secure and compliant trading environment for everyone.Source: Verification termsLast verified:
Withdrawal methods and fees
Everything you need to know about how can i withdraw profits — answered simply, with nothing hidden in the small print. 1 For One-Phase Lite account: Your first withdrawal is available instantly you generate the profit at funded stage. Minimum withdrawal is 1.5% of your starting balance. Payout cycle following first payout is 7 days. For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Your first payout is available 14 days after your first trade. After the first payout, you can withdraw every 7 days after placing a new trade. For IF Micro Clarity, IF Micro Pro, IF Micro Crypto, One-Phase Micro, One-Phase Pro, Two-Phase and Two-Phase Micro simulated funded accounts: you can use On-Demand Payouts to withdraw profits whenever you qualify, without waiting for scheduled dates. For One-Phase Crypto: your first withdrawal is available after your net profit reaches at least 1.5% of your starting balance, and you have completed a minimum of 7 trading days (at least one trade opened per day), after that, every 7 days. For IF Micro Clarity: To become eligible for an On-Demand Payout you must complete at least 5 profitable trading days, with each qualifying day generating a minimum of 0.5% profit. You must also meet the 20% Best Day Rule and the 3% minimum withdrawal threshold. Once a payout has been processed, the Minimum Profitable Days requirement resets, and you must complete another 5 profitable trading days before becoming eligible for your next payout. 2 Available Withdrawal Methods We offer both RISE withdrawals and direct crypto withdrawals. Crypto withdrawals are processed in USDC (ERC-20) and are typically faster, with less KYC required. 3 How to Request a Withdrawal For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Ensure all trades are closed and Smart Drawdown is locked in. For Instant Funding Micro, IF Micro Crypto, One-Phase Micro, One-Phase, Two-Phase and Two-Phase Micro simulated funded accounts: Verify you meet the On-Demand Payout qualifications and close all active trades before requesting your withdrawal. For One-Phase Crypto: Ensure the payout conditions are met, and close all active trades before requesting your withdrawal. Go to your dashboard and choose your preferred withdrawal method. Choose the amount (minimum $25). 4 Processing Times Standard processing: Within 48 business hours. Weekend/UK Bank Holiday requests: Extra business day applies. 5 Important: SWIFT Transfer Returns If a bank transfer is returned due to incorrect banking details, you’ll be charged SWIFT processing fees for both the outgoing and return transactions. Please verify your banking information carefully before submitting. IF Micro Lite — Fixed 14-day cycle, not On-Demand: Unlike its Micro-family siblings above, IF Micro Lite is not an On-Demand Payouts product — payouts run on a fixed 14-day cycle, minimum 5% withdrawal, and Smart Drawdown must be locked in first. See the IF Micro Lite FAQ.Source: Withdrawal methods and feesLast verified:
Minimum age terms
2.5 By agreeing to these GTC, you represent that you are at least 18 years of age or older or otherwise above the legal age of capacity in your country of residence (if different) and you are accessing the Services solely from one of the countries for which the Services are made available.Source: Minimum age termsLast verified:
Jurisdiction terms
4.2. The Customer further undertakes, when using the Services, and in particular when performing simulated trades in a simulated environment, to act in accordance with this Agreement, any third parties’ terms and conditions, applicable legal regulations, and other rules which the Customer is obligated to adhere to when using the Services (and in line with the specific Jurisdiction in which they reside). 4.3 Instant Funding shall not provide Services to a Customer that: (i) is of nationality or is residing in Restricted Jurisdictions; (ii) is established or incorporated or has a registered office in Restricted Jurisdictions; (iii) is subject to the relevant international sanctions; or (iv) has a criminal record related to financial crime or terrorism. Restricted Jurisdictions means countries determined as such by Instant Funding and published on our website and is contained within our AML Policy.Source: Jurisdiction termsLast verified:
Tax policy
9.3 All service charges are inclusive of all taxes. If the Customer is an entrepreneur (trader), he/she is obliged to fulfil their tax obligations in connection with the use of our Services in accordance with applicable law, and in the event of an obligation, he/she are obliged to pay tax or other fees properly. 9.4 You can pay the fee or the selected option of the Challenge by a payment card, via a bank transfer, or using other means of payment, currently available on our Website. 9.5 All fees stated or referred to in these GTC: a. are non-cancellable and non-refundable after 1 placed trade or 14 days or as otherwise required by applicable consumer laws; b. are exclusive of value added tax, which shall be added to Instant Funding’s invoice(s) at the appropriate rate.Source: Tax policyLast verified:
Refund policy
Our Cancellation and Refund Policy Your Right to withdraw from the Agreement and to request a refund. • ou have the right to withdraw and request a refund of your purchase within 14 Y calendar days from the purchase of the Instant Funding Challenge Account(s). • lease note that, your purchase may only be cancelled and refunded if you have not P performed any demo trades on the online trading account and a cancellation request email has been received by Instant Funding within 14 days of the purchase of the Challenge Account(s). • dministration Fee:A non-refundable administrationfee of $25 USD will be deducted A from all refunds. This fee covers the costs Instant Funding incurs once your purchase has been processed, including the creation of your account on our systems and on the trading platform, and the platform fees paid to third party providers for that account. • our request for a refund must be sent to the following e-mail address Y support@instantfunding.iowithin the specified timelimit. We will confirm receipt of your request without undue delay. • ll refunds will be refunded via the same the payment method used to originally A purchase the Challenge Account(s). We will action a refund within 14 business days of a refund being agreed between Instant Funding and yourself. The duration of this to be reflected in your account will vary and depend upon the payment method used. • Instant Funding is entitled to immediately withdraw from the Contract in the case of any breach by the Customer, as specified in Clause 7 of our General Terms and Conditions. Source: Refund policyLast verified:
A cap on how much you can lose in a single day. Breaching it closes the account. Limit 4% of account value / day Resets 17:00 EST (rollover) Learn more → Recalculated at 17:00 EST on the higher of your Balance (excl. open trades) or Equity (incl. open trades). Example: balance $10,000, equity $10,500 → next-day limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Maximum loss mechanism
Your maximum lifetime loss, trailing your highest closed balance. One-Phase Lite 6% of starting balance Learn more → Example: $10,000 start → trailing drawdown sits at $9,400. Reach a closed balance of $10,500 and it moves up to $9,900. It trails off closed trades only and never drops back down.Source: Maximum loss mechanismLast verified:
Profit split conditions
How much of your trading profit you keep. Standard 80% of net profit With add-on Up to 90% Learn more →Source: Profit split conditionsLast verified:
Payout conditions
A flexible payout structure once you reach the funded stage. First payout On-demand Minimum withdrawal 1.5% Payout cycle Every 7 days Consistency rule None Learn more → Your first payout is available on demand — request it any time, subject to a 1.5% minimum withdrawal. After that, payouts every 7 days. Note: the 7-day cycle begins from your first trade.Source: Payout conditionsLast verified:
Minimum trading days policy
No minimum trading-day requirement on this account — trade at your own pace. One-Phase Lite None requiredSource: Minimum trading days policyLast verified:
News trading policy
Enabled by default on all stages — trade freely around major economic events. One-Phase Lite Included Learn more → News straddling, or any execution designed to gain an unfair advantage, is not permitted.Source: News trading policyLast verified:
Holding policy
Hold trades overnight and through the weekend — no add-on required. Overnight Included Weekend Included Learn more →Source: Holding policyLast verified:
Scaling policy
Grow your account up to double its original size as you trade well. Growth +25% per 90 days Trigger 10%+ gain over 90 days Cap Up to 2× starting size Learn more → Grow 10%+ over a 90-day period, email support@instantfunding.com with subject “Scaling Request” (Account ID + confirmation), and we add 25% of your starting balance. Repeatable every 90 days up to 2×.Source: Scaling policyLast verified:
Account drawdown policy
If unrealised losses on your open positions exceed 2% of your starting balance, the system closes everything automatically. First time, your account moves to a 50% profit split and stays active — your second chance. A second breach closes the account permanently.Source: Account drawdown policyLast verified:
Instruments
Trade any instrument across our market feeds — 65 instruments over four asset classes: major & minor currency pairs, major & minor indices, cryptocurrencies, and commodities.Source: InstrumentsLast verified:
Inactivity policy
If no trade is placed within 60 days of your account purchase, or within 60 days of your last trade, the account is automatically closed.Source: Inactivity policyLast verified:
One sided bets policy
All-or-nothing directional positions that rely on a single outcome instead of managed risk.Source: One sided bets policyLast verified:
Grid trading policy
Opening multiple layered positions at set price intervals to build exposure automatically. This includes both traditional grid trading, where orders are placed above and below the current set price, and one-directional grid trading, where multiple positions are continuously layered in the same direction (i.e. order book spamming). Grid-style behaviour is restricted because it can create uncontrolled risk across the account.Source: Grid trading policyLast verified:
Hft policy
Trades held 60 seconds or less, or an unusually high number of trades per hour.Source: Hft policyLast verified:
Copy trading policy
Copying trades, signals or management from accounts that aren’t your own. Your own accounts are fine.Source: Copy trading policyLast verified:
Automated trading policy
Public third-party expert advisors are restricted. First-party EAs you build yourself are allowed.Source: Automated trading policyLast verified:
Group hedging policy
Opposite positions across accounts, or coordinated positions across traders, to eliminate risk.Source: Group hedging policyLast verified:
Account management policy
Anyone other than the owner trading the account, or identical-setting group copying. Breaches KYC/AML.Source: Account management policyLast verified:
Currencies – 1:30 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:30 leverage on currencies, you can trade positions worth $30,000 using $1,000 of your balance. Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.Source: Leverage termsLast verified:
One-Phase Lite USD 50,000 - MetaTrader 5 - RAW Spreads
One-time
$284
1
$50K
80%
—
Plan details: One-Phase Lite USD 50,000 - MetaTrader 5 - RAW Spreads
Entry fee
$284Quoted currency: USDPrice type: Base price before coupons and optional add-onsBilling: one timeTax: Supplier tax terms conflict; final tax amount is not confirmedSource: Entry feeLast verified:
Billing terms
No, we do not charge any monthly fees. Our programs require only a one-time payment, with no recurring charges. 1 One-time payment You pay once at checkout for your challenge or account, and that’s it — no subscriptions, no recurring billing, and no surprise charges later. 2 What about commissions? Commission-free accounts have no per-trade commissions either. RAW spreads accounts do carry per-lot commissions — see Instrument commissions for the exact rates. Related articles More on how commissions work if you’re on a RAW spreads account. Instrument commissions The exact per-lot commission rates that apply to RAW spreads accounts. Read the article → What instruments do you have? The full range of instruments available across accounts. Read the article →Source: Billing termsLast verified:
Commission terms
Commission-free accounts have no commissions. The following commissions apply exclusively to RAW spreads accounts — the same rates apply across every programme, including IF Micro Lite. 1 Currencies All pairs: $5 per lot ZAR Accounts R80 per lot 2 Metals All instruments: $5 per lot ZAR Accounts R80 per lot 3 Commodities All instruments: $2 per lot ZAR Accounts R36 per lot 4 Crypto All cryptocurrencies: $1 per lot ZAR Accounts R16 per lot 5 Indices USD-based: $2 per lot Other indices: Approximately $2 per lot (varies with interest rates/exchange rates of the base currency) ZAR Accounts R36 per lot Related articles More on account fees and lot size limits. Do we have any Monthly Fees? No recurring fees — just the one-time challenge fee and, on RAW spreads accounts, these commissions. Read the article → Maximum Lot Sizes The lot size limits that apply per asset class. Read the article →Source: Commission termsLast verified:
Aggregate account limits
There’s a combined cap of $1,000,000 across all account types and challenge types, based on starting balance only. It’s one total limit, not a separate $1,000,000 per programme. This means scaling doesn’t count against your cap. If an account grows through a scaling plan, only the original starting balance is counted — the scaled-up portion is excluded. For example: if you already have $200,000 allocated in Instant Funding Pro and $400,000 in One-Phase Pro, that’s $600,000 of your $1,000,000 cap used, leaving $400,000 of headroom for other challenge types. If that One-Phase Pro account later scales from $400,000 to $500,000, your allocation used still counts as $400,000, not $500,000 — so your remaining headroom stays at $400,000 rather than shrinking. If you are trading in ZAR, the equivalent exchange is true: R 16,000,000 in starting balances. Related articles More on scaling and growing your allocation across accounts. How do I scale up my account balance? How scaling plans work, and why the scaled-up portion doesn’t count toward your combined cap. Read the article → How can I withdraw profits? How payouts work once an account qualifies, across every account type. Read the article →Source: Aggregate account limitsLast verified:
Platform eligibility
If you are in the US, Match-Trader is the only platform available. For global clients not based in the US, we offer MetaTrader 5 and cTrader as well as Match-Trader. 1 Match-Trader Available to all clients, including US-based traders. Guides: log in, place a trade, manage positions, switch accounts, view instrument info. 2 cTrader Available to clients outside the US. Guides: log in, place a trade, switch accounts, view symbol specifications, switch units to lots. 3 MetaTrader 5 Available to clients outside the US, alongside cTrader and Match-Trader. 4 Switching platforms Want to move between platforms on an existing account? See Can I switch trading platforms? for how that works. Related articles More on switching platforms and live trading conditions. Can I switch trading platforms? How to move between platforms on an existing account. Read the article → Are trades executed on live markets? Every platform runs on the same real-time market data. Read the article →Source: Platform eligibilityLast verified:
Verification terms
Everything you need to know about account verification process (kyc) — answered simply, with nothing hidden in the small print. 1 When Do I Need to Complete KYC? Verification is required when you pass a Funded Challenge for Challenge Accounts or reach the payout stage for Instant Funding Accounts. Completing KYC is mandatory to enable your simulated funded account or process payouts. If you encounter any difficulties with verification, please contact our support team at support@instantfunding.com. 2 What Information Is Required for KYC? To help you prepare for verification, please ensure you have: Government-Issued ID: Passport, driver’s license, or permanent residence ID. Proof of Address: Utility bill or bank statement. Financial Information: Bank account details or proof of income. Verification Documents: A selfie holding your ID. For successful verification, please provide valid and clearly visible documents. Please note that verification is conducted through SumSub and must be confirmed before your funded account can be activated or payouts processed. Instant Funding does not have the authority to make final verification decisions. 3 What Is KYC Abuse? KYC abuse includes any actions that compromise the integrity of the verification process, such as: Submitting Fake Documents: Providing forged or false identification. Identity Theft: Using someone else’s identity to access services. Multiple Accounts: Creating accounts under different names or identities. Misrepresentation: Providing false information about your identity, address, or financial status. 4 What Happens If KYC Abuse Is Detected? KYC abuse may lead to: Immediate suspension of your account. Permanent bans from our services. Legal action, including fraud-related proceedings. Reporting to regulatory and law enforcement authorities. 5 How to Stay Compliant with KYC Requirements? To avoid issues and ensure compliance, follow these steps: Provide accurate and truthful information during the KYC process. Keep all submitted documents valid and up to date. Use one account and avoid registering under different identities. Notify us of any changes to your personal information so we can update our records. Maintain IP consistency: If your trading IP location does not match your KYC IP location, you may be asked to verify this via travel documentation. 6 Why Is KYC Important? KYC ensures compliance, security, and trust across our platform. By following KYC guidelines, traders contribute to a secure and compliant trading environment for everyone.Source: Verification termsLast verified:
Withdrawal methods and fees
Everything you need to know about how can i withdraw profits — answered simply, with nothing hidden in the small print. 1 For One-Phase Lite account: Your first withdrawal is available instantly you generate the profit at funded stage. Minimum withdrawal is 1.5% of your starting balance. Payout cycle following first payout is 7 days. For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Your first payout is available 14 days after your first trade. After the first payout, you can withdraw every 7 days after placing a new trade. For IF Micro Clarity, IF Micro Pro, IF Micro Crypto, One-Phase Micro, One-Phase Pro, Two-Phase and Two-Phase Micro simulated funded accounts: you can use On-Demand Payouts to withdraw profits whenever you qualify, without waiting for scheduled dates. For One-Phase Crypto: your first withdrawal is available after your net profit reaches at least 1.5% of your starting balance, and you have completed a minimum of 7 trading days (at least one trade opened per day), after that, every 7 days. For IF Micro Clarity: To become eligible for an On-Demand Payout you must complete at least 5 profitable trading days, with each qualifying day generating a minimum of 0.5% profit. You must also meet the 20% Best Day Rule and the 3% minimum withdrawal threshold. Once a payout has been processed, the Minimum Profitable Days requirement resets, and you must complete another 5 profitable trading days before becoming eligible for your next payout. 2 Available Withdrawal Methods We offer both RISE withdrawals and direct crypto withdrawals. Crypto withdrawals are processed in USDC (ERC-20) and are typically faster, with less KYC required. 3 How to Request a Withdrawal For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Ensure all trades are closed and Smart Drawdown is locked in. For Instant Funding Micro, IF Micro Crypto, One-Phase Micro, One-Phase, Two-Phase and Two-Phase Micro simulated funded accounts: Verify you meet the On-Demand Payout qualifications and close all active trades before requesting your withdrawal. For One-Phase Crypto: Ensure the payout conditions are met, and close all active trades before requesting your withdrawal. Go to your dashboard and choose your preferred withdrawal method. Choose the amount (minimum $25). 4 Processing Times Standard processing: Within 48 business hours. Weekend/UK Bank Holiday requests: Extra business day applies. 5 Important: SWIFT Transfer Returns If a bank transfer is returned due to incorrect banking details, you’ll be charged SWIFT processing fees for both the outgoing and return transactions. Please verify your banking information carefully before submitting. IF Micro Lite — Fixed 14-day cycle, not On-Demand: Unlike its Micro-family siblings above, IF Micro Lite is not an On-Demand Payouts product — payouts run on a fixed 14-day cycle, minimum 5% withdrawal, and Smart Drawdown must be locked in first. See the IF Micro Lite FAQ.Source: Withdrawal methods and feesLast verified:
Minimum age terms
2.5 By agreeing to these GTC, you represent that you are at least 18 years of age or older or otherwise above the legal age of capacity in your country of residence (if different) and you are accessing the Services solely from one of the countries for which the Services are made available.Source: Minimum age termsLast verified:
Jurisdiction terms
4.2. The Customer further undertakes, when using the Services, and in particular when performing simulated trades in a simulated environment, to act in accordance with this Agreement, any third parties’ terms and conditions, applicable legal regulations, and other rules which the Customer is obligated to adhere to when using the Services (and in line with the specific Jurisdiction in which they reside). 4.3 Instant Funding shall not provide Services to a Customer that: (i) is of nationality or is residing in Restricted Jurisdictions; (ii) is established or incorporated or has a registered office in Restricted Jurisdictions; (iii) is subject to the relevant international sanctions; or (iv) has a criminal record related to financial crime or terrorism. Restricted Jurisdictions means countries determined as such by Instant Funding and published on our website and is contained within our AML Policy.Source: Jurisdiction termsLast verified:
Tax policy
9.3 All service charges are inclusive of all taxes. If the Customer is an entrepreneur (trader), he/she is obliged to fulfil their tax obligations in connection with the use of our Services in accordance with applicable law, and in the event of an obligation, he/she are obliged to pay tax or other fees properly. 9.4 You can pay the fee or the selected option of the Challenge by a payment card, via a bank transfer, or using other means of payment, currently available on our Website. 9.5 All fees stated or referred to in these GTC: a. are non-cancellable and non-refundable after 1 placed trade or 14 days or as otherwise required by applicable consumer laws; b. are exclusive of value added tax, which shall be added to Instant Funding’s invoice(s) at the appropriate rate.Source: Tax policyLast verified:
Refund policy
Our Cancellation and Refund Policy Your Right to withdraw from the Agreement and to request a refund. • ou have the right to withdraw and request a refund of your purchase within 14 Y calendar days from the purchase of the Instant Funding Challenge Account(s). • lease note that, your purchase may only be cancelled and refunded if you have not P performed any demo trades on the online trading account and a cancellation request email has been received by Instant Funding within 14 days of the purchase of the Challenge Account(s). • dministration Fee:A non-refundable administrationfee of $25 USD will be deducted A from all refunds. This fee covers the costs Instant Funding incurs once your purchase has been processed, including the creation of your account on our systems and on the trading platform, and the platform fees paid to third party providers for that account. • our request for a refund must be sent to the following e-mail address Y support@instantfunding.iowithin the specified timelimit. We will confirm receipt of your request without undue delay. • ll refunds will be refunded via the same the payment method used to originally A purchase the Challenge Account(s). We will action a refund within 14 business days of a refund being agreed between Instant Funding and yourself. The duration of this to be reflected in your account will vary and depend upon the payment method used. • Instant Funding is entitled to immediately withdraw from the Contract in the case of any breach by the Customer, as specified in Clause 7 of our General Terms and Conditions. Source: Refund policyLast verified:
A cap on how much you can lose in a single day. Breaching it closes the account. Limit 4% of account value / day Resets 17:00 EST (rollover) Learn more → Recalculated at 17:00 EST on the higher of your Balance (excl. open trades) or Equity (incl. open trades). Example: balance $10,000, equity $10,500 → next-day limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Maximum loss mechanism
Your maximum lifetime loss, trailing your highest closed balance. One-Phase Lite 6% of starting balance Learn more → Example: $10,000 start → trailing drawdown sits at $9,400. Reach a closed balance of $10,500 and it moves up to $9,900. It trails off closed trades only and never drops back down.Source: Maximum loss mechanismLast verified:
Profit split conditions
How much of your trading profit you keep. Standard 80% of net profit With add-on Up to 90% Learn more →Source: Profit split conditionsLast verified:
Payout conditions
A flexible payout structure once you reach the funded stage. First payout On-demand Minimum withdrawal 1.5% Payout cycle Every 7 days Consistency rule None Learn more → Your first payout is available on demand — request it any time, subject to a 1.5% minimum withdrawal. After that, payouts every 7 days. Note: the 7-day cycle begins from your first trade.Source: Payout conditionsLast verified:
Minimum trading days policy
No minimum trading-day requirement on this account — trade at your own pace. One-Phase Lite None requiredSource: Minimum trading days policyLast verified:
News trading policy
Enabled by default on all stages — trade freely around major economic events. One-Phase Lite Included Learn more → News straddling, or any execution designed to gain an unfair advantage, is not permitted.Source: News trading policyLast verified:
Holding policy
Hold trades overnight and through the weekend — no add-on required. Overnight Included Weekend Included Learn more →Source: Holding policyLast verified:
Scaling policy
Grow your account up to double its original size as you trade well. Growth +25% per 90 days Trigger 10%+ gain over 90 days Cap Up to 2× starting size Learn more → Grow 10%+ over a 90-day period, email support@instantfunding.com with subject “Scaling Request” (Account ID + confirmation), and we add 25% of your starting balance. Repeatable every 90 days up to 2×.Source: Scaling policyLast verified:
Account drawdown policy
If unrealised losses on your open positions exceed 2% of your starting balance, the system closes everything automatically. First time, your account moves to a 50% profit split and stays active — your second chance. A second breach closes the account permanently.Source: Account drawdown policyLast verified:
Instruments
Trade any instrument across our market feeds — 65 instruments over four asset classes: major & minor currency pairs, major & minor indices, cryptocurrencies, and commodities.Source: InstrumentsLast verified:
Inactivity policy
If no trade is placed within 60 days of your account purchase, or within 60 days of your last trade, the account is automatically closed.Source: Inactivity policyLast verified:
One sided bets policy
All-or-nothing directional positions that rely on a single outcome instead of managed risk.Source: One sided bets policyLast verified:
Grid trading policy
Opening multiple layered positions at set price intervals to build exposure automatically. This includes both traditional grid trading, where orders are placed above and below the current set price, and one-directional grid trading, where multiple positions are continuously layered in the same direction (i.e. order book spamming). Grid-style behaviour is restricted because it can create uncontrolled risk across the account.Source: Grid trading policyLast verified:
Hft policy
Trades held 60 seconds or less, or an unusually high number of trades per hour.Source: Hft policyLast verified:
Copy trading policy
Copying trades, signals or management from accounts that aren’t your own. Your own accounts are fine.Source: Copy trading policyLast verified:
Automated trading policy
Public third-party expert advisors are restricted. First-party EAs you build yourself are allowed.Source: Automated trading policyLast verified:
Group hedging policy
Opposite positions across accounts, or coordinated positions across traders, to eliminate risk.Source: Group hedging policyLast verified:
Account management policy
Anyone other than the owner trading the account, or identical-setting group copying. Breaches KYC/AML.Source: Account management policyLast verified:
Currencies – 1:30 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:30 leverage on currencies, you can trade positions worth $30,000 using $1,000 of your balance. Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.Source: Leverage termsLast verified:
Every 21 or 14 days | The default first payout is available 21 days after the first trade on a funded account for the trading period.Stage: fundedSource: Payout conditionsLast verified:
Profit split conditions
FundingTraders offers a default profit split of 80% to the trader and 20% to the firm. For those seeking a higher payout, add-ons are available during checkout to increase the profit split to 90% or even 100%.Stage: fundedSource: Profit split conditionsLast verified:
The fees for the Services are denominated in USD. Payment of these fees in other currencies is not permitted. Also, all fees are exclusive of all taxes or payment processing fees.Source: Purchase fee conditionsLast verified:
Payment methods
The Client may settle the fee for the chosen service option using a Payment Card, Bank Transfer, Crypto Currency, or through other payment methods currently made available by the Company on the website.Source: Payment methodsLast verified:
Residency and age conditions
The Services are designed exclusively for individuals aged 18 and older, residing in countries where the Services are offered. By registering on the Website, the Client affirms that he or she are at least 18 years old. Individuals under 18 are not permitted to use the Services.Source: Residency and age conditionsLast verified:
Restricted customer conditions
The Company will not offer Services to any Client who: (6.5.1) Nationals or residents of the following Restricted Jurisdictions: Syria, North Korea, Cuba, or Iran; (6.5.2) a company is established, incorporated, or maintains a registered office within Restricted Jurisdictions; (6.5.3) is under international sanctions; or (6.5.4) possesses a criminal record related to financial crime or terrorism. (6.5.5) owners or the management of a competitive firm.Source: Restricted customer conditionsLast verified:
Verification conditions
The Client consents to provide the Company with any Know Your Client (KYC) information requested by the Company at any point, which includes, but is not limited to, the following requirements: (7.1.1) Proof of Identity: A valid form of identification such as an ID card, Passport, or Driving License, which must have at least 3 months remaining before expiration. (7.1.2) Proof of Address: A recent document — including but not limited to a Utility Bill, Bank Statement, Government Document, or Broadband Bill — that is dated within the last 3 months and confirms the Client's address. (7.1.3) A Selfie Verification: A Photo or Video live verification of the Client through 3rd party KYC Verification SumSub.Source: Verification conditionsLast verified:
Account service model
All accounts made available through the services are simulated demo accounts, which stand as a valuable educational initiative designed to evaluate traders' performance and foster a comprehensive learning environment for all Clients. No live capital is traded, and no investment services are provided by the Company.Source: Account service modelLast verified:
Refund conditions
Refunds are not issued once at least one simulated demo transaction has been executed on the assessment account. Where the assessment account remains completely inactive (no transactions opened), the Client may request a refund within 7 calendar days of purchase, provided there was no activity on the Client account, or no more than 3 lessons have been accessed or completed.Source: Refund conditionsLast verified:
Mt5 eligibility
MT5 accounts are available to traders in most countries, but we cannot offer them to clients in the USA. If you are based in the USA you can still trade with us on Match-Trader, which is available worldwide. A small number of other jurisdictions are restricted and those are listed in our terms, so contact support if you are not certain whether your country is covered.Source: Mt5 eligibilityLast verified:
Matchtrader eligibility
Yes. Match Trader is available to traders worldwide, including clients in the USA. This is the platform to choose if you are based in the USA, because MT5 accounts are not offered there.Source: Matchtrader eligibilityLast verified:
Platform automation conditions
Match Trader runs in the browser with TradingView charting built in, and it is available worldwide including the USA. MetaTrader 5 is a desktop platform that also has web and mobile versions, and it supports Expert Advisors and custom indicators. If you want automation choose MetaTrader 5. If you want to log in and trade from any machine without installing software, choose Match Trader.Source: Platform automation conditionsLast verified:
Trial conditions
The CTI Free Trial is a free, 14-day test drive of City Traders Imperium’s real trading conditions, no strings attached. You get a $100,000 demo account on MetaTrader 5 or Match-Trader, running the exact spreads, commissions and execution used on every funded CTI account. No payment. No card. No evaluation. No targets. Just put us to the test, and if you like what you see, buying a funding program afterward is entirely optional. City Traders Imperium has been funding traders since 2018, so you’re testing a firm with a real track record, not a startup.Source: Trial conditionsLast verified:
Trial payout conditions
The conditions are identical: same platforms, same spreads, same execution you’d get on any CTI account, challenge or funded. The only difference is there are no profit targets, no rules to pass and no payouts, because the trial exists to test the firm, not to evaluate you.Source: Trial payout conditionsLast verified:
Your share of the simulated profit from the CTI funded account. You start from 80% profit share then it increases to 90% once you qualify for the Bronze level, then to 100% once you qualify for the Silver level of the CTI VIP Program. No add-ons. No extra fees.Stage: base and conditional vip progressionSource: Profit split conditionsLast verified:
Once you’re funded, get rewarded with an 80% profit share as a starting point. Request your 1st payout in as little as 7 days.Stage: funded first requestSource: Payout conditionsLast verified:
Plan details: FundedNext Stellar 2-Step $50,000 — standard swap
Entry fee
$299.99Stage: challenge purchaseQuoted currency: Dollar symbol; currency not confirmedPrice type: original purchase without couponSource: Entry feeLast verified:
News Trading in the Challenge Phase You are free to open, close, or hold trades during high-impact news events. No restrictions or profit adjustments apply during the Challenge Phases. News Trading in the FundedNext Account Once you transition to the FundedNext Account, a News Profit Split Rule applies: Time Window: 5 minutes before and 5 minutes after any listed high-impact news event. Profit Adjustment: Only 40% of profit from trades opened or closed within this 10-minute window will be counted toward your account balance. Losses: Losses during this window are fully applied and not adjusted. Applies to both market execution and pending orders (SL/TP triggers included).Stage: challenge and fundedSource: News trading policyLast verified:
Weekend holding policy
Weekend holding is allowed on the Challenge Accounts, FundedNext Account, Free Monthly Competition Accounts, and Free Trial Accounts at FundedNext.Stage: challenge and fundedSource: Weekend holding policyLast verified:
Maximum loss basis
Calculated as a percentage of the initial balance, fixed per account model.Stage: model general ruleSource: Maximum loss basisLast verified:
you may request your Refundable Fee for the subscription fee with your first Performance Reward from the FundedNext Account.Stage: fundedSource: Refund policyLast verified:
MT4; MT5; Match-Trader; cTraderStage: challenge and fundedSource: PlatformsLast verified:
Platform conditions
Accounts with balances of $100,000 and $200,000 cannot be purchased, modified, reset, or topped up on the cTrader and Match-Trader platforms, except for U.S. traders using Match-Trader accounts. TradingView is currently supported only for market analysis. All trade executions must be done on other platforms like MT4, MT5, etc. Due to high demand, the TradingView execution feature is temporarily paused while we work on optimization. We appreciate your patience and will relaunch it soon with improved performance. Traders from the USA can only use Match-Trader as a trading platform.Stage: challenge and fundedSource: Platform conditionsLast verified:
Traders on accounts of $50,000 and above must trade fully manually on MetaTrader 4 or MetaTrader 5, both in Challenge and FundedNext accounts. Please note that EA and bot trading are not allowed on cTrader and Match-Trader, regardless of account sizeStage: challenge and fundedSource: Automated trading conditionsLast verified:
Copy trading is: ✅ Allowed between Challenge Accounts owned by the same trader ❌ Strictly prohibited between accounts owned by different individuals Traders can merge FundedNext Accounts instead of copy trading for easier management, with a maximum allocation of $300,000.Stage: challenge onlySource: Own account copy conditionsLast verified:
Swap Charges Apply to Overnight Holding While you are allowed to hold positions overnight, these trades will accumulate swap charges, which are calculated based on the instrument type are visible directly in MT5, (Right-click on a pair > Select “Specification”) do count toward your daily loss calculation Triple Swap Days: Forex & Commodities: 3x swaps on Wednesday Indices: 3x swaps on Friday Crypto: 3x swap on Friday (MT4, MT5, cTrader); Wednesday (Match-Trader) Stock: 3x swap on Friday (MT4, MT5, cTrader); Wednesday (Match-Trader) Example: If you hold a gold (XAUUSD) position through Wednesday night, you'll be charged three days’ worth of swaps. This affects your floating P&L and can trigger risk-related breaches if not monitored. Note: The Swap will not apply to the Swap-Free Account.Stage: challenge and fundedSource: Holding conditionsLast verified:
Once you transition to the FundedNext Account, a News Profit Split Rule applies: Time Window: 5 minutes before and 5 minutes after any listed high-impact news event. Profit Adjustment: Only 40% of profit from trades opened or closed within this 10-minute window will be counted toward your account balance. Losses: Losses during this window are fully applied and not adjusted. Applies to both market execution and pending orders (SL/TP triggers included).Stage: fundedSource: News conditionsLast verified:
Instruments
Forex; Indices; Commodities; Crypto; StockStage: challenge and fundedSource: InstrumentsLast verified:
$319.97Quoted currency: ZARPrice type: Base price before coupons and optional add-onsBilling: one timeTax: Supplier tax terms conflict; final tax amount is not confirmedDisplay currency: USD equivalentConversion rate date: 2026-11-11Source: Entry feeLast verified:
Billing terms
No, we do not charge any monthly fees. Our programs require only a one-time payment, with no recurring charges. 1 One-time payment You pay once at checkout for your challenge or account, and that’s it — no subscriptions, no recurring billing, and no surprise charges later. 2 What about commissions? Commission-free accounts have no per-trade commissions either. RAW spreads accounts do carry per-lot commissions — see Instrument commissions for the exact rates. Related articles More on how commissions work if you’re on a RAW spreads account. Instrument commissions The exact per-lot commission rates that apply to RAW spreads accounts. Read the article → What instruments do you have? The full range of instruments available across accounts. Read the article →Source: Billing termsLast verified:
Commission terms
Commission-free accounts have no commissions. The following commissions apply exclusively to RAW spreads accounts — the same rates apply across every programme, including IF Micro Lite. 1 Currencies All pairs: $5 per lot ZAR Accounts R80 per lot 2 Metals All instruments: $5 per lot ZAR Accounts R80 per lot 3 Commodities All instruments: $2 per lot ZAR Accounts R36 per lot 4 Crypto All cryptocurrencies: $1 per lot ZAR Accounts R16 per lot 5 Indices USD-based: $2 per lot Other indices: Approximately $2 per lot (varies with interest rates/exchange rates of the base currency) ZAR Accounts R36 per lot Related articles More on account fees and lot size limits. Do we have any Monthly Fees? No recurring fees — just the one-time challenge fee and, on RAW spreads accounts, these commissions. Read the article → Maximum Lot Sizes The lot size limits that apply per asset class. Read the article →Source: Commission termsLast verified:
Aggregate account limits
There’s a combined cap of $1,000,000 across all account types and challenge types, based on starting balance only. It’s one total limit, not a separate $1,000,000 per programme. This means scaling doesn’t count against your cap. If an account grows through a scaling plan, only the original starting balance is counted — the scaled-up portion is excluded. For example: if you already have $200,000 allocated in Instant Funding Pro and $400,000 in One-Phase Pro, that’s $600,000 of your $1,000,000 cap used, leaving $400,000 of headroom for other challenge types. If that One-Phase Pro account later scales from $400,000 to $500,000, your allocation used still counts as $400,000, not $500,000 — so your remaining headroom stays at $400,000 rather than shrinking. If you are trading in ZAR, the equivalent exchange is true: R 16,000,000 in starting balances. Related articles More on scaling and growing your allocation across accounts. How do I scale up my account balance? How scaling plans work, and why the scaled-up portion doesn’t count toward your combined cap. Read the article → How can I withdraw profits? How payouts work once an account qualifies, across every account type. Read the article →Source: Aggregate account limitsLast verified:
Platform eligibility
If you are in the US, Match-Trader is the only platform available. For global clients not based in the US, we offer MetaTrader 5 and cTrader as well as Match-Trader. 1 Match-Trader Available to all clients, including US-based traders. Guides: log in, place a trade, manage positions, switch accounts, view instrument info. 2 cTrader Available to clients outside the US. Guides: log in, place a trade, switch accounts, view symbol specifications, switch units to lots. 3 MetaTrader 5 Available to clients outside the US, alongside cTrader and Match-Trader. 4 Switching platforms Want to move between platforms on an existing account? See Can I switch trading platforms? for how that works. Related articles More on switching platforms and live trading conditions. Can I switch trading platforms? How to move between platforms on an existing account. Read the article → Are trades executed on live markets? Every platform runs on the same real-time market data. Read the article →Source: Platform eligibilityLast verified:
Verification terms
Everything you need to know about account verification process (kyc) — answered simply, with nothing hidden in the small print. 1 When Do I Need to Complete KYC? Verification is required when you pass a Funded Challenge for Challenge Accounts or reach the payout stage for Instant Funding Accounts. Completing KYC is mandatory to enable your simulated funded account or process payouts. If you encounter any difficulties with verification, please contact our support team at support@instantfunding.com. 2 What Information Is Required for KYC? To help you prepare for verification, please ensure you have: Government-Issued ID: Passport, driver’s license, or permanent residence ID. Proof of Address: Utility bill or bank statement. Financial Information: Bank account details or proof of income. Verification Documents: A selfie holding your ID. For successful verification, please provide valid and clearly visible documents. Please note that verification is conducted through SumSub and must be confirmed before your funded account can be activated or payouts processed. Instant Funding does not have the authority to make final verification decisions. 3 What Is KYC Abuse? KYC abuse includes any actions that compromise the integrity of the verification process, such as: Submitting Fake Documents: Providing forged or false identification. Identity Theft: Using someone else’s identity to access services. Multiple Accounts: Creating accounts under different names or identities. Misrepresentation: Providing false information about your identity, address, or financial status. 4 What Happens If KYC Abuse Is Detected? KYC abuse may lead to: Immediate suspension of your account. Permanent bans from our services. Legal action, including fraud-related proceedings. Reporting to regulatory and law enforcement authorities. 5 How to Stay Compliant with KYC Requirements? To avoid issues and ensure compliance, follow these steps: Provide accurate and truthful information during the KYC process. Keep all submitted documents valid and up to date. Use one account and avoid registering under different identities. Notify us of any changes to your personal information so we can update our records. Maintain IP consistency: If your trading IP location does not match your KYC IP location, you may be asked to verify this via travel documentation. 6 Why Is KYC Important? KYC ensures compliance, security, and trust across our platform. By following KYC guidelines, traders contribute to a secure and compliant trading environment for everyone.Source: Verification termsLast verified:
Withdrawal methods and fees
Everything you need to know about how can i withdraw profits — answered simply, with nothing hidden in the small print. 1 For One-Phase Lite account: Your first withdrawal is available instantly you generate the profit at funded stage. Minimum withdrawal is 1.5% of your starting balance. Payout cycle following first payout is 7 days. For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Your first payout is available 14 days after your first trade. After the first payout, you can withdraw every 7 days after placing a new trade. For IF Micro Clarity, IF Micro Pro, IF Micro Crypto, One-Phase Micro, One-Phase Pro, Two-Phase and Two-Phase Micro simulated funded accounts: you can use On-Demand Payouts to withdraw profits whenever you qualify, without waiting for scheduled dates. For One-Phase Crypto: your first withdrawal is available after your net profit reaches at least 1.5% of your starting balance, and you have completed a minimum of 7 trading days (at least one trade opened per day), after that, every 7 days. For IF Micro Clarity: To become eligible for an On-Demand Payout you must complete at least 5 profitable trading days, with each qualifying day generating a minimum of 0.5% profit. You must also meet the 20% Best Day Rule and the 3% minimum withdrawal threshold. Once a payout has been processed, the Minimum Profitable Days requirement resets, and you must complete another 5 profitable trading days before becoming eligible for your next payout. 2 Available Withdrawal Methods We offer both RISE withdrawals and direct crypto withdrawals. Crypto withdrawals are processed in USDC (ERC-20) and are typically faster, with less KYC required. 3 How to Request a Withdrawal For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Ensure all trades are closed and Smart Drawdown is locked in. For Instant Funding Micro, IF Micro Crypto, One-Phase Micro, One-Phase, Two-Phase and Two-Phase Micro simulated funded accounts: Verify you meet the On-Demand Payout qualifications and close all active trades before requesting your withdrawal. For One-Phase Crypto: Ensure the payout conditions are met, and close all active trades before requesting your withdrawal. Go to your dashboard and choose your preferred withdrawal method. Choose the amount (minimum $25). 4 Processing Times Standard processing: Within 48 business hours. Weekend/UK Bank Holiday requests: Extra business day applies. 5 Important: SWIFT Transfer Returns If a bank transfer is returned due to incorrect banking details, you’ll be charged SWIFT processing fees for both the outgoing and return transactions. Please verify your banking information carefully before submitting. IF Micro Lite — Fixed 14-day cycle, not On-Demand: Unlike its Micro-family siblings above, IF Micro Lite is not an On-Demand Payouts product — payouts run on a fixed 14-day cycle, minimum 5% withdrawal, and Smart Drawdown must be locked in first. See the IF Micro Lite FAQ.Source: Withdrawal methods and feesLast verified:
Minimum age terms
2.5 By agreeing to these GTC, you represent that you are at least 18 years of age or older or otherwise above the legal age of capacity in your country of residence (if different) and you are accessing the Services solely from one of the countries for which the Services are made available.Source: Minimum age termsLast verified:
Jurisdiction terms
4.2. The Customer further undertakes, when using the Services, and in particular when performing simulated trades in a simulated environment, to act in accordance with this Agreement, any third parties’ terms and conditions, applicable legal regulations, and other rules which the Customer is obligated to adhere to when using the Services (and in line with the specific Jurisdiction in which they reside). 4.3 Instant Funding shall not provide Services to a Customer that: (i) is of nationality or is residing in Restricted Jurisdictions; (ii) is established or incorporated or has a registered office in Restricted Jurisdictions; (iii) is subject to the relevant international sanctions; or (iv) has a criminal record related to financial crime or terrorism. Restricted Jurisdictions means countries determined as such by Instant Funding and published on our website and is contained within our AML Policy.Source: Jurisdiction termsLast verified:
Tax policy
9.3 All service charges are inclusive of all taxes. If the Customer is an entrepreneur (trader), he/she is obliged to fulfil their tax obligations in connection with the use of our Services in accordance with applicable law, and in the event of an obligation, he/she are obliged to pay tax or other fees properly. 9.4 You can pay the fee or the selected option of the Challenge by a payment card, via a bank transfer, or using other means of payment, currently available on our Website. 9.5 All fees stated or referred to in these GTC: a. are non-cancellable and non-refundable after 1 placed trade or 14 days or as otherwise required by applicable consumer laws; b. are exclusive of value added tax, which shall be added to Instant Funding’s invoice(s) at the appropriate rate.Source: Tax policyLast verified:
Refund policy
Our Cancellation and Refund Policy Your Right to withdraw from the Agreement and to request a refund. • ou have the right to withdraw and request a refund of your purchase within 14 Y calendar days from the purchase of the Instant Funding Challenge Account(s). • lease note that, your purchase may only be cancelled and refunded if you have not P performed any demo trades on the online trading account and a cancellation request email has been received by Instant Funding within 14 days of the purchase of the Challenge Account(s). • dministration Fee:A non-refundable administrationfee of $25 USD will be deducted A from all refunds. This fee covers the costs Instant Funding incurs once your purchase has been processed, including the creation of your account on our systems and on the trading platform, and the platform fees paid to third party providers for that account. • our request for a refund must be sent to the following e-mail address Y support@instantfunding.iowithin the specified timelimit. We will confirm receipt of your request without undue delay. • ll refunds will be refunded via the same the payment method used to originally A purchase the Challenge Account(s). We will action a refund within 14 business days of a refund being agreed between Instant Funding and yourself. The duration of this to be reflected in your account will vary and depend upon the payment method used. • Instant Funding is entitled to immediately withdraw from the Contract in the case of any breach by the Customer, as specified in Clause 7 of our General Terms and Conditions. Source: Refund policyLast verified:
A cap on how much you can lose in a single day. Breaching it closes the account. Limit 4% of account value / day Resets 17:00 EST (rollover) Learn more → Recalculated at 17:00 EST on the higher of your Balance (excl. open trades) or Equity (incl. open trades). Applies at every stage — Phase 1, Phase 2, and Funded.Source: Daily loss policyLast verified:
Maximum loss mechanism
Your maximum account loss limit — a static threshold, not a trailing one. Limit 10% of starting balance (static) Applies Every stage — Phase 1, Phase 2, and Funded Unlike a trailing drawdown, this limit is fixed to your starting balance and doesn’t move as your balance grows. Breaching it closes the account.Source: Maximum loss mechanismLast verified:
Profit split conditions
How much of your trading profit you keep. Standard 80% of net profit After an Account Drawdown breach (Funded) 50% of net profit No add-on tiers on this product — 80% is the flat standard split for both challenge stages and Funded.Source: Profit split conditionsLast verified:
Minimum trading days policy
A minimum number of active trading days required before progressing. Phase 1 3 days minimum Phase 2 3 days minimum Funded NoneSource: Minimum trading days policyLast verified:
Payout conditions
Withdraw your profit as soon as you meet the conditions — there’s no fixed payout day. Type On-demand Consistency rule 35% Best Day Rule (Funded only) Minimum profit 1.5% of starting balance Learn more → Your best trading day must not exceed 35% of your total profit, and your net profit must reach at least 1.5% of your starting balance. Once met, request any time from your dashboard.Source: Payout conditionsLast verified:
News trading policy
Enabled by default on all Two-Phase ZAR accounts — trade freely around major economic events. Two-Phase ZAR Included Learn more → News straddling, or any execution designed to gain an unfair advantage, is not permitted.Source: News trading policyLast verified:
Holding policy
Hold trades overnight and through the weekend — no add-on required. Overnight Included Weekend Included Learn more →Source: Holding policyLast verified:
Account drawdown policy
A secondary, tighter risk check tracked at every stage — separate from Max Drawdown. If unrealised losses on your open positions exceed 2% of your starting balance, that counts as one breach. Two breaches at any stage close the account. Once Funded, a single breach instead moves your account to a 50% profit split as a first warning — a second breach after that closes it permanently.Source: Account drawdown policyLast verified:
Instruments
Trade any instrument across our market feeds — 65 instruments over four asset classes: major & minor currency pairs, major & minor indices, cryptocurrencies, and commodities.Source: InstrumentsLast verified:
Inactivity policy
If no trade is placed within 60 days of your account purchase, or within 60 days of your last trade, the account is automatically closed.Source: Inactivity policyLast verified:
One sided bets policy
All-or-nothing directional positions that rely on a single outcome instead of managed risk.Source: One sided bets policyLast verified:
Grid trading policy
Opening multiple layered positions at set price intervals to build exposure automatically. This includes both traditional grid trading, where orders are placed above and below the current set price, and one-directional grid trading, where multiple positions are continuously layered in the same direction (i.e. order book spamming). Grid-style behaviour is restricted because it can create uncontrolled risk across the account.Source: Grid trading policyLast verified:
Hft policy
Trades held 60 seconds or less, or an unusually high number of trades per hour.Source: Hft policyLast verified:
Copy trading policy
Copying trades, signals or management from accounts that aren’t your own. Your own accounts are fine.Source: Copy trading policyLast verified:
Automated trading policy
Public third-party expert advisors are restricted. First-party EAs you build yourself are allowed.Source: Automated trading policyLast verified:
Group hedging policy
Opposite positions across accounts, or coordinated positions across traders, to eliminate risk.Source: Group hedging policyLast verified:
Account management policy
Anyone other than the owner trading the account, or identical-setting group copying. Breaches KYC/AML.Source: Account management policyLast verified:
Currencies – 1:30 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:30 leverage on currencies, you can trade positions worth $30,000 using $1,000 of your balance. Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.Source: Leverage termsLast verified:
Two-Phase ZAR ZAR 400,000 - MetaTrader 5 - RAW Spreads
One-time
$319.97
2
$24.1K
80%
—
Plan details: Two-Phase ZAR ZAR 400,000 - MetaTrader 5 - RAW Spreads
Entry fee
$319.97Quoted currency: ZARPrice type: Base price before coupons and optional add-onsBilling: one timeTax: Supplier tax terms conflict; final tax amount is not confirmedDisplay currency: USD equivalentConversion rate date: 2026-11-11Source: Entry feeLast verified:
Billing terms
No, we do not charge any monthly fees. Our programs require only a one-time payment, with no recurring charges. 1 One-time payment You pay once at checkout for your challenge or account, and that’s it — no subscriptions, no recurring billing, and no surprise charges later. 2 What about commissions? Commission-free accounts have no per-trade commissions either. RAW spreads accounts do carry per-lot commissions — see Instrument commissions for the exact rates. Related articles More on how commissions work if you’re on a RAW spreads account. Instrument commissions The exact per-lot commission rates that apply to RAW spreads accounts. Read the article → What instruments do you have? The full range of instruments available across accounts. Read the article →Source: Billing termsLast verified:
Commission terms
Commission-free accounts have no commissions. The following commissions apply exclusively to RAW spreads accounts — the same rates apply across every programme, including IF Micro Lite. 1 Currencies All pairs: $5 per lot ZAR Accounts R80 per lot 2 Metals All instruments: $5 per lot ZAR Accounts R80 per lot 3 Commodities All instruments: $2 per lot ZAR Accounts R36 per lot 4 Crypto All cryptocurrencies: $1 per lot ZAR Accounts R16 per lot 5 Indices USD-based: $2 per lot Other indices: Approximately $2 per lot (varies with interest rates/exchange rates of the base currency) ZAR Accounts R36 per lot Related articles More on account fees and lot size limits. Do we have any Monthly Fees? No recurring fees — just the one-time challenge fee and, on RAW spreads accounts, these commissions. Read the article → Maximum Lot Sizes The lot size limits that apply per asset class. Read the article →Source: Commission termsLast verified:
Aggregate account limits
There’s a combined cap of $1,000,000 across all account types and challenge types, based on starting balance only. It’s one total limit, not a separate $1,000,000 per programme. This means scaling doesn’t count against your cap. If an account grows through a scaling plan, only the original starting balance is counted — the scaled-up portion is excluded. For example: if you already have $200,000 allocated in Instant Funding Pro and $400,000 in One-Phase Pro, that’s $600,000 of your $1,000,000 cap used, leaving $400,000 of headroom for other challenge types. If that One-Phase Pro account later scales from $400,000 to $500,000, your allocation used still counts as $400,000, not $500,000 — so your remaining headroom stays at $400,000 rather than shrinking. If you are trading in ZAR, the equivalent exchange is true: R 16,000,000 in starting balances. Related articles More on scaling and growing your allocation across accounts. How do I scale up my account balance? How scaling plans work, and why the scaled-up portion doesn’t count toward your combined cap. Read the article → How can I withdraw profits? How payouts work once an account qualifies, across every account type. Read the article →Source: Aggregate account limitsLast verified:
Platform eligibility
If you are in the US, Match-Trader is the only platform available. For global clients not based in the US, we offer MetaTrader 5 and cTrader as well as Match-Trader. 1 Match-Trader Available to all clients, including US-based traders. Guides: log in, place a trade, manage positions, switch accounts, view instrument info. 2 cTrader Available to clients outside the US. Guides: log in, place a trade, switch accounts, view symbol specifications, switch units to lots. 3 MetaTrader 5 Available to clients outside the US, alongside cTrader and Match-Trader. 4 Switching platforms Want to move between platforms on an existing account? See Can I switch trading platforms? for how that works. Related articles More on switching platforms and live trading conditions. Can I switch trading platforms? How to move between platforms on an existing account. Read the article → Are trades executed on live markets? Every platform runs on the same real-time market data. Read the article →Source: Platform eligibilityLast verified:
Verification terms
Everything you need to know about account verification process (kyc) — answered simply, with nothing hidden in the small print. 1 When Do I Need to Complete KYC? Verification is required when you pass a Funded Challenge for Challenge Accounts or reach the payout stage for Instant Funding Accounts. Completing KYC is mandatory to enable your simulated funded account or process payouts. If you encounter any difficulties with verification, please contact our support team at support@instantfunding.com. 2 What Information Is Required for KYC? To help you prepare for verification, please ensure you have: Government-Issued ID: Passport, driver’s license, or permanent residence ID. Proof of Address: Utility bill or bank statement. Financial Information: Bank account details or proof of income. Verification Documents: A selfie holding your ID. For successful verification, please provide valid and clearly visible documents. Please note that verification is conducted through SumSub and must be confirmed before your funded account can be activated or payouts processed. Instant Funding does not have the authority to make final verification decisions. 3 What Is KYC Abuse? KYC abuse includes any actions that compromise the integrity of the verification process, such as: Submitting Fake Documents: Providing forged or false identification. Identity Theft: Using someone else’s identity to access services. Multiple Accounts: Creating accounts under different names or identities. Misrepresentation: Providing false information about your identity, address, or financial status. 4 What Happens If KYC Abuse Is Detected? KYC abuse may lead to: Immediate suspension of your account. Permanent bans from our services. Legal action, including fraud-related proceedings. Reporting to regulatory and law enforcement authorities. 5 How to Stay Compliant with KYC Requirements? To avoid issues and ensure compliance, follow these steps: Provide accurate and truthful information during the KYC process. Keep all submitted documents valid and up to date. Use one account and avoid registering under different identities. Notify us of any changes to your personal information so we can update our records. Maintain IP consistency: If your trading IP location does not match your KYC IP location, you may be asked to verify this via travel documentation. 6 Why Is KYC Important? KYC ensures compliance, security, and trust across our platform. By following KYC guidelines, traders contribute to a secure and compliant trading environment for everyone.Source: Verification termsLast verified:
Withdrawal methods and fees
Everything you need to know about how can i withdraw profits — answered simply, with nothing hidden in the small print. 1 For One-Phase Lite account: Your first withdrawal is available instantly you generate the profit at funded stage. Minimum withdrawal is 1.5% of your starting balance. Payout cycle following first payout is 7 days. For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Your first payout is available 14 days after your first trade. After the first payout, you can withdraw every 7 days after placing a new trade. For IF Micro Clarity, IF Micro Pro, IF Micro Crypto, One-Phase Micro, One-Phase Pro, Two-Phase and Two-Phase Micro simulated funded accounts: you can use On-Demand Payouts to withdraw profits whenever you qualify, without waiting for scheduled dates. For One-Phase Crypto: your first withdrawal is available after your net profit reaches at least 1.5% of your starting balance, and you have completed a minimum of 7 trading days (at least one trade opened per day), after that, every 7 days. For IF Micro Clarity: To become eligible for an On-Demand Payout you must complete at least 5 profitable trading days, with each qualifying day generating a minimum of 0.5% profit. You must also meet the 20% Best Day Rule and the 3% minimum withdrawal threshold. Once a payout has been processed, the Minimum Profitable Days requirement resets, and you must complete another 5 profitable trading days before becoming eligible for your next payout. 2 Available Withdrawal Methods We offer both RISE withdrawals and direct crypto withdrawals. Crypto withdrawals are processed in USDC (ERC-20) and are typically faster, with less KYC required. 3 How to Request a Withdrawal For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Ensure all trades are closed and Smart Drawdown is locked in. For Instant Funding Micro, IF Micro Crypto, One-Phase Micro, One-Phase, Two-Phase and Two-Phase Micro simulated funded accounts: Verify you meet the On-Demand Payout qualifications and close all active trades before requesting your withdrawal. For One-Phase Crypto: Ensure the payout conditions are met, and close all active trades before requesting your withdrawal. Go to your dashboard and choose your preferred withdrawal method. Choose the amount (minimum $25). 4 Processing Times Standard processing: Within 48 business hours. Weekend/UK Bank Holiday requests: Extra business day applies. 5 Important: SWIFT Transfer Returns If a bank transfer is returned due to incorrect banking details, you’ll be charged SWIFT processing fees for both the outgoing and return transactions. Please verify your banking information carefully before submitting. IF Micro Lite — Fixed 14-day cycle, not On-Demand: Unlike its Micro-family siblings above, IF Micro Lite is not an On-Demand Payouts product — payouts run on a fixed 14-day cycle, minimum 5% withdrawal, and Smart Drawdown must be locked in first. See the IF Micro Lite FAQ.Source: Withdrawal methods and feesLast verified:
Minimum age terms
2.5 By agreeing to these GTC, you represent that you are at least 18 years of age or older or otherwise above the legal age of capacity in your country of residence (if different) and you are accessing the Services solely from one of the countries for which the Services are made available.Source: Minimum age termsLast verified:
Jurisdiction terms
4.2. The Customer further undertakes, when using the Services, and in particular when performing simulated trades in a simulated environment, to act in accordance with this Agreement, any third parties’ terms and conditions, applicable legal regulations, and other rules which the Customer is obligated to adhere to when using the Services (and in line with the specific Jurisdiction in which they reside). 4.3 Instant Funding shall not provide Services to a Customer that: (i) is of nationality or is residing in Restricted Jurisdictions; (ii) is established or incorporated or has a registered office in Restricted Jurisdictions; (iii) is subject to the relevant international sanctions; or (iv) has a criminal record related to financial crime or terrorism. Restricted Jurisdictions means countries determined as such by Instant Funding and published on our website and is contained within our AML Policy.Source: Jurisdiction termsLast verified:
Tax policy
9.3 All service charges are inclusive of all taxes. If the Customer is an entrepreneur (trader), he/she is obliged to fulfil their tax obligations in connection with the use of our Services in accordance with applicable law, and in the event of an obligation, he/she are obliged to pay tax or other fees properly. 9.4 You can pay the fee or the selected option of the Challenge by a payment card, via a bank transfer, or using other means of payment, currently available on our Website. 9.5 All fees stated or referred to in these GTC: a. are non-cancellable and non-refundable after 1 placed trade or 14 days or as otherwise required by applicable consumer laws; b. are exclusive of value added tax, which shall be added to Instant Funding’s invoice(s) at the appropriate rate.Source: Tax policyLast verified:
Refund policy
Our Cancellation and Refund Policy Your Right to withdraw from the Agreement and to request a refund. • ou have the right to withdraw and request a refund of your purchase within 14 Y calendar days from the purchase of the Instant Funding Challenge Account(s). • lease note that, your purchase may only be cancelled and refunded if you have not P performed any demo trades on the online trading account and a cancellation request email has been received by Instant Funding within 14 days of the purchase of the Challenge Account(s). • dministration Fee:A non-refundable administrationfee of $25 USD will be deducted A from all refunds. This fee covers the costs Instant Funding incurs once your purchase has been processed, including the creation of your account on our systems and on the trading platform, and the platform fees paid to third party providers for that account. • our request for a refund must be sent to the following e-mail address Y support@instantfunding.iowithin the specified timelimit. We will confirm receipt of your request without undue delay. • ll refunds will be refunded via the same the payment method used to originally A purchase the Challenge Account(s). We will action a refund within 14 business days of a refund being agreed between Instant Funding and yourself. The duration of this to be reflected in your account will vary and depend upon the payment method used. • Instant Funding is entitled to immediately withdraw from the Contract in the case of any breach by the Customer, as specified in Clause 7 of our General Terms and Conditions. Source: Refund policyLast verified:
A cap on how much you can lose in a single day. Breaching it closes the account. Limit 4% of account value / day Resets 17:00 EST (rollover) Learn more → Recalculated at 17:00 EST on the higher of your Balance (excl. open trades) or Equity (incl. open trades). Applies at every stage — Phase 1, Phase 2, and Funded.Source: Daily loss policyLast verified:
Maximum loss mechanism
Your maximum account loss limit — a static threshold, not a trailing one. Limit 10% of starting balance (static) Applies Every stage — Phase 1, Phase 2, and Funded Unlike a trailing drawdown, this limit is fixed to your starting balance and doesn’t move as your balance grows. Breaching it closes the account.Source: Maximum loss mechanismLast verified:
Profit split conditions
How much of your trading profit you keep. Standard 80% of net profit After an Account Drawdown breach (Funded) 50% of net profit No add-on tiers on this product — 80% is the flat standard split for both challenge stages and Funded.Source: Profit split conditionsLast verified:
Minimum trading days policy
A minimum number of active trading days required before progressing. Phase 1 3 days minimum Phase 2 3 days minimum Funded NoneSource: Minimum trading days policyLast verified:
Payout conditions
Withdraw your profit as soon as you meet the conditions — there’s no fixed payout day. Type On-demand Consistency rule 35% Best Day Rule (Funded only) Minimum profit 1.5% of starting balance Learn more → Your best trading day must not exceed 35% of your total profit, and your net profit must reach at least 1.5% of your starting balance. Once met, request any time from your dashboard.Source: Payout conditionsLast verified:
News trading policy
Enabled by default on all Two-Phase ZAR accounts — trade freely around major economic events. Two-Phase ZAR Included Learn more → News straddling, or any execution designed to gain an unfair advantage, is not permitted.Source: News trading policyLast verified:
Holding policy
Hold trades overnight and through the weekend — no add-on required. Overnight Included Weekend Included Learn more →Source: Holding policyLast verified:
Account drawdown policy
A secondary, tighter risk check tracked at every stage — separate from Max Drawdown. If unrealised losses on your open positions exceed 2% of your starting balance, that counts as one breach. Two breaches at any stage close the account. Once Funded, a single breach instead moves your account to a 50% profit split as a first warning — a second breach after that closes it permanently.Source: Account drawdown policyLast verified:
Instruments
Trade any instrument across our market feeds — 65 instruments over four asset classes: major & minor currency pairs, major & minor indices, cryptocurrencies, and commodities.Source: InstrumentsLast verified:
Inactivity policy
If no trade is placed within 60 days of your account purchase, or within 60 days of your last trade, the account is automatically closed.Source: Inactivity policyLast verified:
One sided bets policy
All-or-nothing directional positions that rely on a single outcome instead of managed risk.Source: One sided bets policyLast verified:
Grid trading policy
Opening multiple layered positions at set price intervals to build exposure automatically. This includes both traditional grid trading, where orders are placed above and below the current set price, and one-directional grid trading, where multiple positions are continuously layered in the same direction (i.e. order book spamming). Grid-style behaviour is restricted because it can create uncontrolled risk across the account.Source: Grid trading policyLast verified:
Hft policy
Trades held 60 seconds or less, or an unusually high number of trades per hour.Source: Hft policyLast verified:
Copy trading policy
Copying trades, signals or management from accounts that aren’t your own. Your own accounts are fine.Source: Copy trading policyLast verified:
Automated trading policy
Public third-party expert advisors are restricted. First-party EAs you build yourself are allowed.Source: Automated trading policyLast verified:
Group hedging policy
Opposite positions across accounts, or coordinated positions across traders, to eliminate risk.Source: Group hedging policyLast verified:
Account management policy
Anyone other than the owner trading the account, or identical-setting group copying. Breaches KYC/AML.Source: Account management policyLast verified:
Currencies – 1:30 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:30 leverage on currencies, you can trade positions worth $30,000 using $1,000 of your balance. Temporary update: Due to increased market volatility, leverage on Metals, Oil, and Indices is temporarily set to 1:5 on funded accounts only. Standard leverage will be restored once market conditions stabilize.Source: Leverage termsLast verified:
The fees for the Services are denominated in USD. Payment of these fees in other currencies is not permitted. Also, all fees are exclusive of all taxes or payment processing fees.Source: Purchase fee conditionsLast verified:
Payment methods
The Client may settle the fee for the chosen service option using a Payment Card, Bank Transfer, Crypto Currency, or through other payment methods currently made available by the Company on the website.Source: Payment methodsLast verified:
Residency and age conditions
The Services are designed exclusively for individuals aged 18 and older, residing in countries where the Services are offered. By registering on the Website, the Client affirms that he or she are at least 18 years old. Individuals under 18 are not permitted to use the Services.Source: Residency and age conditionsLast verified:
Restricted customer conditions
The Company will not offer Services to any Client who: (6.5.1) Nationals or residents of the following Restricted Jurisdictions: Syria, North Korea, Cuba, or Iran; (6.5.2) a company is established, incorporated, or maintains a registered office within Restricted Jurisdictions; (6.5.3) is under international sanctions; or (6.5.4) possesses a criminal record related to financial crime or terrorism. (6.5.5) owners or the management of a competitive firm.Source: Restricted customer conditionsLast verified:
Verification conditions
The Client consents to provide the Company with any Know Your Client (KYC) information requested by the Company at any point, which includes, but is not limited to, the following requirements: (7.1.1) Proof of Identity: A valid form of identification such as an ID card, Passport, or Driving License, which must have at least 3 months remaining before expiration. (7.1.2) Proof of Address: A recent document — including but not limited to a Utility Bill, Bank Statement, Government Document, or Broadband Bill — that is dated within the last 3 months and confirms the Client's address. (7.1.3) A Selfie Verification: A Photo or Video live verification of the Client through 3rd party KYC Verification SumSub.Source: Verification conditionsLast verified:
Account service model
All accounts made available through the services are simulated demo accounts, which stand as a valuable educational initiative designed to evaluate traders' performance and foster a comprehensive learning environment for all Clients. No live capital is traded, and no investment services are provided by the Company.Source: Account service modelLast verified:
Refund conditions
Refunds are not issued once at least one simulated demo transaction has been executed on the assessment account. Where the assessment account remains completely inactive (no transactions opened), the Client may request a refund within 7 calendar days of purchase, provided there was no activity on the Client account, or no more than 3 lessons have been accessed or completed.Source: Refund conditionsLast verified:
Mt5 eligibility
MT5 accounts are available to traders in most countries, but we cannot offer them to clients in the USA. If you are based in the USA you can still trade with us on Match-Trader, which is available worldwide. A small number of other jurisdictions are restricted and those are listed in our terms, so contact support if you are not certain whether your country is covered.Source: Mt5 eligibilityLast verified:
Matchtrader eligibility
Yes. Match Trader is available to traders worldwide, including clients in the USA. This is the platform to choose if you are based in the USA, because MT5 accounts are not offered there.Source: Matchtrader eligibilityLast verified:
Platform automation conditions
Match Trader runs in the browser with TradingView charting built in, and it is available worldwide including the USA. MetaTrader 5 is a desktop platform that also has web and mobile versions, and it supports Expert Advisors and custom indicators. If you want automation choose MetaTrader 5. If you want to log in and trade from any machine without installing software, choose Match Trader.Source: Platform automation conditionsLast verified:
Trial conditions
The CTI Free Trial is a free, 14-day test drive of City Traders Imperium’s real trading conditions, no strings attached. You get a $100,000 demo account on MetaTrader 5 or Match-Trader, running the exact spreads, commissions and execution used on every funded CTI account. No payment. No card. No evaluation. No targets. Just put us to the test, and if you like what you see, buying a funding program afterward is entirely optional. City Traders Imperium has been funding traders since 2018, so you’re testing a firm with a real track record, not a startup.Source: Trial conditionsLast verified:
Trial payout conditions
The conditions are identical: same platforms, same spreads, same execution you’d get on any CTI account, challenge or funded. The only difference is there are no profit targets, no rules to pass and no payouts, because the trial exists to test the firm, not to evaluate you.Source: Trial payout conditionsLast verified:
Your share of the simulated profit from the CTI funded account. You start from 80% profit share then it increases to 90% once you qualify for the Bronze level, then to 100% once you qualify for the Silver level of the CTI VIP Program. No add-ons. No extra fees.Stage: base and conditional vip progressionSource: Profit split conditionsLast verified:
Once you’re funded, get rewarded with an 80% profit share as a starting point. Request your 1st payout in as little as 7 days.Stage: funded first requestSource: Payout conditionsLast verified:
There is no minimum number of trading daysStage: funded simSource: Payout scheduleLast verified:
Payout conditions
To request your first payout you need to reach the first payout profit goal, satisfy the consistency rule, stay above every risk threshold and complete identity, tax and payment verification.Stage: funded simSource: Payout conditionsLast verified:
Your highest profitable day divided by the net profit of the payout cycle. The maximum is 20% for the first payout, 25% for the second and 30% from the third onwards.Stage: funded simSource: Payout consistency conditionsLast verified:
Instant Funding
IF Micro Lite ZAR 800,000 - MetaTrader 5 - Commission Free
One-time
$338.08
0
$48.3K
80%
14
Plan details: IF Micro Lite ZAR 800,000 - MetaTrader 5 - Commission Free
Entry fee
$338.08Quoted currency: ZARPrice type: Base price before coupons and optional add-onsBilling: one timeTax: Supplier tax terms conflict; final tax amount is not confirmedDisplay currency: USD equivalentConversion rate date: 2026-11-11Source: Entry feeLast verified:
Billing terms
No, we do not charge any monthly fees. Our programs require only a one-time payment, with no recurring charges. 1 One-time payment You pay once at checkout for your challenge or account, and that’s it — no subscriptions, no recurring billing, and no surprise charges later. 2 What about commissions? Commission-free accounts have no per-trade commissions either. RAW spreads accounts do carry per-lot commissions — see Instrument commissions for the exact rates. Related articles More on how commissions work if you’re on a RAW spreads account. Instrument commissions The exact per-lot commission rates that apply to RAW spreads accounts. Read the article → What instruments do you have? The full range of instruments available across accounts. Read the article →Source: Billing termsLast verified:
Commission terms
Commission-free accounts have no commissions. The following commissions apply exclusively to RAW spreads accounts — the same rates apply across every programme, including IF Micro Lite. 1 Currencies All pairs: $5 per lot ZAR Accounts R80 per lot 2 Metals All instruments: $5 per lot ZAR Accounts R80 per lot 3 Commodities All instruments: $2 per lot ZAR Accounts R36 per lot 4 Crypto All cryptocurrencies: $1 per lot ZAR Accounts R16 per lot 5 Indices USD-based: $2 per lot Other indices: Approximately $2 per lot (varies with interest rates/exchange rates of the base currency) ZAR Accounts R36 per lot Related articles More on account fees and lot size limits. Do we have any Monthly Fees? No recurring fees — just the one-time challenge fee and, on RAW spreads accounts, these commissions. Read the article → Maximum Lot Sizes The lot size limits that apply per asset class. Read the article →Source: Commission termsLast verified:
Aggregate account limits
There’s a combined cap of $1,000,000 across all account types and challenge types, based on starting balance only. It’s one total limit, not a separate $1,000,000 per programme. This means scaling doesn’t count against your cap. If an account grows through a scaling plan, only the original starting balance is counted — the scaled-up portion is excluded. For example: if you already have $200,000 allocated in Instant Funding Pro and $400,000 in One-Phase Pro, that’s $600,000 of your $1,000,000 cap used, leaving $400,000 of headroom for other challenge types. If that One-Phase Pro account later scales from $400,000 to $500,000, your allocation used still counts as $400,000, not $500,000 — so your remaining headroom stays at $400,000 rather than shrinking. If you are trading in ZAR, the equivalent exchange is true: R 16,000,000 in starting balances. Related articles More on scaling and growing your allocation across accounts. How do I scale up my account balance? How scaling plans work, and why the scaled-up portion doesn’t count toward your combined cap. Read the article → How can I withdraw profits? How payouts work once an account qualifies, across every account type. Read the article →Source: Aggregate account limitsLast verified:
Platform eligibility
If you are in the US, Match-Trader is the only platform available. For global clients not based in the US, we offer MetaTrader 5 and cTrader as well as Match-Trader. 1 Match-Trader Available to all clients, including US-based traders. Guides: log in, place a trade, manage positions, switch accounts, view instrument info. 2 cTrader Available to clients outside the US. Guides: log in, place a trade, switch accounts, view symbol specifications, switch units to lots. 3 MetaTrader 5 Available to clients outside the US, alongside cTrader and Match-Trader. 4 Switching platforms Want to move between platforms on an existing account? See Can I switch trading platforms? for how that works. Related articles More on switching platforms and live trading conditions. Can I switch trading platforms? How to move between platforms on an existing account. Read the article → Are trades executed on live markets? Every platform runs on the same real-time market data. Read the article →Source: Platform eligibilityLast verified:
Verification terms
Everything you need to know about account verification process (kyc) — answered simply, with nothing hidden in the small print. 1 When Do I Need to Complete KYC? Verification is required when you pass a Funded Challenge for Challenge Accounts or reach the payout stage for Instant Funding Accounts. Completing KYC is mandatory to enable your simulated funded account or process payouts. If you encounter any difficulties with verification, please contact our support team at support@instantfunding.com. 2 What Information Is Required for KYC? To help you prepare for verification, please ensure you have: Government-Issued ID: Passport, driver’s license, or permanent residence ID. Proof of Address: Utility bill or bank statement. Financial Information: Bank account details or proof of income. Verification Documents: A selfie holding your ID. For successful verification, please provide valid and clearly visible documents. Please note that verification is conducted through SumSub and must be confirmed before your funded account can be activated or payouts processed. Instant Funding does not have the authority to make final verification decisions. 3 What Is KYC Abuse? KYC abuse includes any actions that compromise the integrity of the verification process, such as: Submitting Fake Documents: Providing forged or false identification. Identity Theft: Using someone else’s identity to access services. Multiple Accounts: Creating accounts under different names or identities. Misrepresentation: Providing false information about your identity, address, or financial status. 4 What Happens If KYC Abuse Is Detected? KYC abuse may lead to: Immediate suspension of your account. Permanent bans from our services. Legal action, including fraud-related proceedings. Reporting to regulatory and law enforcement authorities. 5 How to Stay Compliant with KYC Requirements? To avoid issues and ensure compliance, follow these steps: Provide accurate and truthful information during the KYC process. Keep all submitted documents valid and up to date. Use one account and avoid registering under different identities. Notify us of any changes to your personal information so we can update our records. Maintain IP consistency: If your trading IP location does not match your KYC IP location, you may be asked to verify this via travel documentation. 6 Why Is KYC Important? KYC ensures compliance, security, and trust across our platform. By following KYC guidelines, traders contribute to a secure and compliant trading environment for everyone.Source: Verification termsLast verified:
Withdrawal methods and fees
Everything you need to know about how can i withdraw profits — answered simply, with nothing hidden in the small print. 1 For One-Phase Lite account: Your first withdrawal is available instantly you generate the profit at funded stage. Minimum withdrawal is 1.5% of your starting balance. Payout cycle following first payout is 7 days. For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Your first payout is available 14 days after your first trade. After the first payout, you can withdraw every 7 days after placing a new trade. For IF Micro Clarity, IF Micro Pro, IF Micro Crypto, One-Phase Micro, One-Phase Pro, Two-Phase and Two-Phase Micro simulated funded accounts: you can use On-Demand Payouts to withdraw profits whenever you qualify, without waiting for scheduled dates. For One-Phase Crypto: your first withdrawal is available after your net profit reaches at least 1.5% of your starting balance, and you have completed a minimum of 7 trading days (at least one trade opened per day), after that, every 7 days. For IF Micro Clarity: To become eligible for an On-Demand Payout you must complete at least 5 profitable trading days, with each qualifying day generating a minimum of 0.5% profit. You must also meet the 20% Best Day Rule and the 3% minimum withdrawal threshold. Once a payout has been processed, the Minimum Profitable Days requirement resets, and you must complete another 5 profitable trading days before becoming eligible for your next payout. 2 Available Withdrawal Methods We offer both RISE withdrawals and direct crypto withdrawals. Crypto withdrawals are processed in USDC (ERC-20) and are typically faster, with less KYC required. 3 How to Request a Withdrawal For Instant Funding Pro, Instant Funding Clarity and Instant Funding Lite accounts: Ensure all trades are closed and Smart Drawdown is locked in. For Instant Funding Micro, IF Micro Crypto, One-Phase Micro, One-Phase, Two-Phase and Two-Phase Micro simulated funded accounts: Verify you meet the On-Demand Payout qualifications and close all active trades before requesting your withdrawal. For One-Phase Crypto: Ensure the payout conditions are met, and close all active trades before requesting your withdrawal. Go to your dashboard and choose your preferred withdrawal method. Choose the amount (minimum $25). 4 Processing Times Standard processing: Within 48 business hours. Weekend/UK Bank Holiday requests: Extra business day applies. 5 Important: SWIFT Transfer Returns If a bank transfer is returned due to incorrect banking details, you’ll be charged SWIFT processing fees for both the outgoing and return transactions. Please verify your banking information carefully before submitting. IF Micro Lite — Fixed 14-day cycle, not On-Demand: Unlike its Micro-family siblings above, IF Micro Lite is not an On-Demand Payouts product — payouts run on a fixed 14-day cycle, minimum 5% withdrawal, and Smart Drawdown must be locked in first. See the IF Micro Lite FAQ.Source: Withdrawal methods and feesLast verified:
Minimum age terms
2.5 By agreeing to these GTC, you represent that you are at least 18 years of age or older or otherwise above the legal age of capacity in your country of residence (if different) and you are accessing the Services solely from one of the countries for which the Services are made available.Source: Minimum age termsLast verified:
Jurisdiction terms
4.2. The Customer further undertakes, when using the Services, and in particular when performing simulated trades in a simulated environment, to act in accordance with this Agreement, any third parties’ terms and conditions, applicable legal regulations, and other rules which the Customer is obligated to adhere to when using the Services (and in line with the specific Jurisdiction in which they reside). 4.3 Instant Funding shall not provide Services to a Customer that: (i) is of nationality or is residing in Restricted Jurisdictions; (ii) is established or incorporated or has a registered office in Restricted Jurisdictions; (iii) is subject to the relevant international sanctions; or (iv) has a criminal record related to financial crime or terrorism. Restricted Jurisdictions means countries determined as such by Instant Funding and published on our website and is contained within our AML Policy.Source: Jurisdiction termsLast verified:
Tax policy
9.3 All service charges are inclusive of all taxes. If the Customer is an entrepreneur (trader), he/she is obliged to fulfil their tax obligations in connection with the use of our Services in accordance with applicable law, and in the event of an obligation, he/she are obliged to pay tax or other fees properly. 9.4 You can pay the fee or the selected option of the Challenge by a payment card, via a bank transfer, or using other means of payment, currently available on our Website. 9.5 All fees stated or referred to in these GTC: a. are non-cancellable and non-refundable after 1 placed trade or 14 days or as otherwise required by applicable consumer laws; b. are exclusive of value added tax, which shall be added to Instant Funding’s invoice(s) at the appropriate rate.Source: Tax policyLast verified:
Refund policy
Our Cancellation and Refund Policy Your Right to withdraw from the Agreement and to request a refund. • ou have the right to withdraw and request a refund of your purchase within 14 Y calendar days from the purchase of the Instant Funding Challenge Account(s). • lease note that, your purchase may only be cancelled and refunded if you have not P performed any demo trades on the online trading account and a cancellation request email has been received by Instant Funding within 14 days of the purchase of the Challenge Account(s). • dministration Fee:A non-refundable administrationfee of $25 USD will be deducted A from all refunds. This fee covers the costs Instant Funding incurs once your purchase has been processed, including the creation of your account on our systems and on the trading platform, and the platform fees paid to third party providers for that account. • our request for a refund must be sent to the following e-mail address Y support@instantfunding.iowithin the specified timelimit. We will confirm receipt of your request without undue delay. • ll refunds will be refunded via the same the payment method used to originally A purchase the Challenge Account(s). We will action a refund within 14 business days of a refund being agreed between Instant Funding and yourself. The duration of this to be reflected in your account will vary and depend upon the payment method used. • Instant Funding is entitled to immediately withdraw from the Contract in the case of any breach by the Customer, as specified in Clause 7 of our General Terms and Conditions. Source: Refund policyLast verified:
Your maximum account loss limit starts at 6% and tightens to 3% once you lock in profit. Starting limit 6% of starting balance (static) Lock-in trigger +3% gain on Balance (not Equity) Post lock-in 3% of starting balance Learn more → Once your Balance (excluding open trades) reaches +3% of your starting balance, your drawdown limit moves from 6% to 3% and stays there. Equity gains on open trades don’t trigger the lock-in — profit must be realised.Source: Maximum loss mechanismLast verified:
Daily loss policy
A cap on how much you can lose in a single day. Breaching it closes the account. Limit 3% of account value / day Learn more →Source: Daily loss policyLast verified:
Profit split conditions
How much of your trading profit you keep. Standard 80% of net profit With add-on 90% of net profit After a first strike 50% of net profit A first strike — whether from an Account Drawdown breach or a news-window violation — moves your split to 50%. See the Risk Management Toolkit for how strikes work.Source: Profit split conditionsLast verified:
Payout conditions
Payouts run on a 14-day cycle once you meet the conditions. Cycle Every 14 days Minimum withdrawal 5% of starting balance Consistency rule 15% Best Day Rule Smart Drawdown Must be locked in (3%) Your best trading day must not exceed 15% of your total profit, your net profit must reach at least 5% of your starting balance, and your Smart Drawdown must have locked in at 3% before a payout can be requested.Source: Payout conditionsLast verified:
News trading policy
Not allowed on IF Micro Lite — a restricted window applies around major economic events. IF Micro Lite Not allowed Restricted window 4 minutes either side of a news event 1st violation Strike — profit split moves to 50% 2nd strike Account breach Learn more → Placing a trade within 4 minutes either side of a major news event counts as one strike. Strikes are shared with Account Drawdown — one of each still results in a breach.Source: News trading policyLast verified:
Weekend holding policy
Holding trades through the weekend is not permitted on IF Micro Lite. Weekend Not allowed Learn more →Source: Weekend holding policyLast verified:
Account drawdown policy
A secondary, tighter risk check — separate from Smart Drawdown. If unrealised losses on your open positions exceed 1% of your starting balance, that counts as one strike. A first strike moves your account to a 50% profit split as a warning; a second strike closes the account permanently.Source: Account drawdown policyLast verified:
Strike policy
Account Drawdown breaches and news-window violations draw from the same strike pool. Your first strike from either rule moves your profit split to 50%; your second strike — from either rule, in any combination — is a breach that closes the account. One Account Drawdown strike plus one news-window strike therefore also results in a breach.Source: Strike policyLast verified:
Risk parameters
Maximum lot limits apply per asset class, and grid trading and one-sided bets are monitored as backstop risk parameters. See Prohibited Practices for the full detail.Source: Risk parametersLast verified:
Inactivity policy
If no trade is placed within 60 days of your account purchase, or within 60 days of your last trade, the account is automatically closed.Source: Inactivity policyLast verified:
One sided bets policy
All-or-nothing directional positions that rely on a single outcome instead of managed risk.Source: One sided bets policyLast verified:
Grid trading policy
Opening multiple layered positions at set price intervals to build exposure automatically. This includes both traditional grid trading, where orders are placed above and below the current set price, and one-directional grid trading, where multiple positions are continuously layered in the same direction (i.e. order book spamming). Grid-style behaviour is restricted because it can create uncontrolled risk across the account.Source: Grid trading policyLast verified:
Currencies – 1:30 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:30 leverage on currencies, you can trade positions worth $30,000 using $1,000 of your balance.Source: Leverage termsLast verified:
