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:
Instant Funding
IF Micro Lite USD 10,000 - cTrader - Commission Free
One-time
$99
0
$10K
80%
14
Plan details: IF Micro Lite USD 10,000 - cTrader - Commission Free
Entry fee
$99Quoted 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:
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:
Plan details: IF Micro Lite USD 10,000 - cTrader - RAW Spreads
Entry fee
$99Quoted 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:
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:
IF Micro Lite USD 10,000 - MatchTrader - Commission Free
One-time
$99
0
$10K
80%
14
Plan details: IF Micro Lite USD 10,000 - MatchTrader - Commission Free
Entry fee
$99Quoted 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:
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:
IF Micro Lite USD 10,000 - MatchTrader - RAW Spreads
One-time
$99
0
$10K
80%
14
Plan details: IF Micro Lite USD 10,000 - MatchTrader - RAW Spreads
Entry fee
$99Quoted 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:
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:
IF Micro Lite USD 10,000 - MetaTrader 5 - Commission Free
One-time
$99
0
$10K
80%
14
Plan details: IF Micro Lite USD 10,000 - MetaTrader 5 - Commission Free
Entry fee
$99Quoted 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:
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:
IF Micro Lite USD 10,000 - MetaTrader 5 - RAW Spreads
One-time
$99
0
$10K
80%
14
Plan details: IF Micro Lite USD 10,000 - MetaTrader 5 - RAW Spreads
Entry fee
$99Quoted 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:
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:
Plan details: Trading Combine 100K — Standard purchase path
Entry fee
$99Stage: evaluationQuoted currency: Dollar symbol; currency not confirmedPrice basis: base before optional discountsBilling: monthlyTax: may be added at checkoutSource: Entry feeLast verified:
The MLL is a trailing limit. It rises as your end-of-day balance grows, but never moves down. Once it reaches your starting balance, it locks permanently.Stage: evaluationSource: Maximum loss conditionsLast verified:
Your single best day of profit must stay at or below 55% of your Profit Target. If it exceeds that, your Profit Target increases. You'll need to earn more to pass.Stage: evaluationSource: Consistency conditionLast verified:
5 winning days of $150+ Net P&L. Days don't need to be consecutive. A day locks in at 4:00 PM CT. The trading day your Payout is requested doesn't count toward your next 5. Positive net profit since your last Payout. You must have earned at least $0.01 since your last Payout. Your first Payout is exempt.Stage: fundedSource: Payout condition standardLast verified:
3 trading days with at least 1 trade per day. Stay at or below the 40% Consistency Objective. Your largest single day cannot exceed 40% of your total net profit. Days lock in at 4:00 PM CT. The trading day your Payout is requested doesn't count toward your next 3. For example, if your best trading day’s profit is $2,000, your total net profit must be at least $5,000 ($2,000 ÷ 0.4). This ensures that profits are distributed across multiple trading days, promoting consistent trading behavior.Stage: fundedSource: Payout condition consistencyLast verified:
Topstep is a day trading program. All positions must be closed by 3:10 PM CT every weekday. You can resume trading at 5:00 PM CT. No swing trading. No Forex. Trading Hours Session Hours Sunday open 5:00 PM CT Weekday close 3:10 PM CT Weekday reopen 5:00 PM CT Friday close 3:10 PM CT (closed till Sunday at 5:00 PM) All open positions and pending orders begin to automatically cancel at 3:10 PM CST. Avoid opening new positions after 3:08 PM CT — Risk Managers begin flattening at that time. It's still your responsibility to be flat by 3:10 PM CT. If you're trading a product with an earlier daily close than 3:10 PM CT, you must exit before that product's close.Stage: evaluation and express fundedSource: Holding conditionsLast verified:
Yes, with conditions. Topstep won't help set up or troubleshoot automated strategies, and no exceptions are made for errant trades or malfunctions. Test on your Practice Account first and review Prohibited Conduct and Prohibited Trading Strategies before going live. You can also use a trade copier to duplicate trades across multiple accounts. See What is a Trade Copier?Stage: evaluationSource: Automated trading conditionsLast verified:
Platforms
TopstepXStage: evaluation and express fundedSource: PlatformsLast verified:
Trade Copier Trade Copier The Trade Copier lets you mirror trades from a Lead account to 1 or more Follower accounts automatically — so you can run the same strategy across multiple accounts without placing every order manually. Lead account — where you place your trades Follower account(s) — where those trades are copied to ✋ Before you connect accounts, please know: The Lead account must have the lowest Maximum Position Size (MPS) of all accounts in the group. Running a 50K, 100K, and 150K? The 50K is your Lead. If your Lead and Follower accounts are at different Scaling Plan tiers — meaning their margin requirements differ — the Trade Copier may disconnect automatically at the start of a new trading day. Always verify your copy trading settings at the start of each session. Trade copying is only available for Trading Combine® and Express Funded Account® accounts. Live Funded Account® accounts cannot use the Trade Copier. Filled orders on Follower accounts only appear in the Order Log after they're filled — not when placed. While a Follower account is connected, you can't trade it directly. If the order buttons are greyed out, the account is still linked. Remove it in Settings to trade it independently. Executions are mirrored — but exact fill price and timing may vary slightly due to slippage, liquidity, and market conditions. Turning off the Trade Copier mid-trade will immediately flatten all Follower accounts. Linking / Unlinking If the Lead hits its Daily Loss Limit or is auto-liquidated, all Follower accounts are flattened with it and no further trades copy while the Lead is locked out. The accounts stay linked — copying resumes when the Lead can trade again. You may unlink the accounts manually to trade the followers separately. If the Lead hits its Maximum Loss Limit, the account is permanently violated; unlink the Followers in Settings to trade them independently. If you select Liquidate Only when setting your PDLL/PDPT, when one of these violations fires on a follower, that account does get dropped from the copier before it's flattened. If you select Liquidate and Block when setting your PDLL/PDPT, when one of these violations fires on a follower, the account is locked out. It auto-resumes the next trading and does not get removed from Trade Copier. If the Scaling plan does not match between the Leader and followers - follower account will be automatically removed at the start of the trading day When a Payout request is submitted, Follower accounts are automatically unlinked. Check your settings at the start of every session. ⚠️ Important: Please read more about how copy trading can affect potential for hedging here. Risk Settings for Follower Accounts Follower accounts support a Personal Daily Loss Limit (PDLL) and/or Personal Daily Profit Target (PDPT). Trade Limits, Symbol Blocks, and Contract Limits are not available on Follower accounts. Where to find Settings: In TopstepX, Settings is the gear icon on the left side of the screen. Setting Up the Trade Copier Go to Settings → Copy Trading. Select your Lead account and check your Follower accounts. Click Save Changes. Turning Off the Trade Copier Go to Settings → Copy Trading. Click Clear → Save Changes. Adding or Removing Follower Accounts Go to Settings → Copy Trading. Check or uncheck accounts under Follow → Save Changes. Using the Trade Copier on Mobile Open TopstepX in your mobile browser. Tap 3 dots → Trading → Copy Trading. Select your Lead, check your Followers, tap Save Changes.Stage: evaluation and express fundedSource: Own account copy conditionsLast verified:
Although FTMO Traders trade with simulated capital only, they are entitled to receive a Reward in the form of real money once they generate a profit on their FTMO Account, provided all Trading Objectives are fulfilled and the FTMO Account Terms & Conditions are followed.Stage: fundedSource: Payout conditionsLast verified:
Payout request terms
You request a Reward claim in the Account MetriX. This can be done on the 14th or any following day after the first trade is placed on the specific account. All open positions and pending orders must be closed before requesting the Reward. If you trade on the FTMO Instant Account and have not completed your FTMO Identity yet, you will be asked to complete it when you request your first Reward. We cannot start processing your Reward until your FTMO Identity is approved.Stage: fundedSource: Payout request termsLast verified:
Payout methods
Rewards can be paid out via bank wire transfer, instant transfer through Visa Direct / Mastercard Send (up to $20,000), Skrill (up to $3,000), or cryptocurrencies.Stage: fundedSource: Payout methodsLast verified:
You can access a simulated trading environment and trade asset classes. The full list of available instruments is published on our Symbols page and shown on your trading platform. Your trading style is up to you. As long as your trading is legitimate and in line with proper risk management, conforms to the real market conditions, and does not constitute Forbidden Trading Practices, we have no reason for limiting or restricting your trading strategy, whether it’s discretionary trading, algorithmic trading or EAs. When trading, keep in mind that your trading style should be replicable on live accounts to generate the same results as on your FTMO Challenge, FTMO Account or FTMO Instant Account. We do not require you to use a Stop-loss (although it’s generally advisable to always have certain safety measures in place). You can trade all the instruments and assets that are available in your trading platform (Forex, Indices, Commodities, Stocks, Crypto,…). If you intend to use trading robots (Expert Advisors – EAs), keep in mind that if you use an EA from a third party, there might be other traders already using the same EA and therefore exactly the same strategy. By using a third-party EA, you potentially run a risk of being denied the FTMO Account if you exceed the maximum capital allocation rule. Please note that platform servers have a limit of 200 orders at a time and 2000 max positions per day, as well as limited acceptance of server messages (orders and order modifications such as updates of TP/ SL and updates of limit orders). If your EA causes hyperactivity to a platform server, we might alert you and ask you to adjust the EA logic or parameters of your strategy. Please beware of practices that have nothing in common with serious trading. If we identify such practice, we reserve our right to take the necessary action to mitigate risk. This might vary from removing the conflicting positions, rebalancing the account, or terminating the account completely and ceasing our cooperation altogether. You may refer to the Forbidden Trading Practices page for more information on what constitutes Forbidden Trading Practices. Please use our services with genuine intentions and show us your edge in the markets and consistency that you can be proud of.Stage: evaluation and fundedSource: Automated trading conditionsLast verified:
FTMO restricts holding positions through market breaks longer than 2 hours for all accounts, excluding the exceptions mentioned below. You must close all open positions before the break begins. Violating this rule may result in termination of an FTMO Account / FTMO Instant Account. This restriction does not apply to: any Swing type accounts any accounts in the FTMO Challenge or Verification With these accounts, you can hold your trades freely over any longer market closure (e.g. the weekend), provided that the Forbidden Trading Practices are avoided. Trading hours depend on the specific instrument and may vary due to market conditions, holidays, or other events. Current trading hours are always available directly in the trading platform and on the Symbols page and Trading Updates page.Stage: evaluation and fundedSource: Holding conditionsLast verified:
FTMO restricts order execution for 2 minutes before and 2 minutes after selected news releases for all accounts, excluding the exceptions mentioned below. You are allowed to hold open positions on the targeted instruments if they were opened more than 2 minutes before the restricted event. This restriction applies to any order execution, including your Stop Loss, Take Profit or any other pending orders. Violating this rule may result in termination of an FTMO Account / FTMO Instant Account. A restriction applies only to symbols that include the affected currency/symbol. Trading on non-targeted instruments is not restricted. For example, during the US NFP release, you may trade EURGBP or AUDNZD; however, you must not open or close trades on USDJPY or GBPUSD within the time window of 2 minutes before and 2 minutes after the NFP release. This restriction does not apply to: any Swing type accounts any accounts in the FTMO Challenge or Verification phase. With these accounts, you can trade during any news freely, provided that the Forbidden Trading Practices are avoided. The following table lists all restricted events and the affected simulated assets. The news release schedule can also be monitored in our Economic Calendar, where these restricted events are marked by the note “Restricted event“. Affected simulated instruments (currency-based) Macroeconomic announcements USD Forex pairs with the USD currency involved Gold (XAUUSD) US Indices (US2000.cash, US500.cash, US100.cash, US30.cash) DXY US announcements: Federal Funds Rate & Statement Non-Farm Employment Change Unemployment Rate & Wages Advance GDP q/q FOMC Meeting Minutes CPI y/y EUR Forex pairs with the EUR currency involved EU announcements: Main Refinancing Rate GBP Forex pairs with the GBP currency involved UK announcements: Official Bank Rate & MPC Votes CPI y/y CAD Forex pairs with the CAD currency involved Canadian announcements: Overnight Rate/BOC Rate Statement CPI m/m Employment Change/Unemployment Rate AUD Forex pairs with the AUD currency involved Australian announcements: Cash Rate & RBA Statement Employment Change/Unemployment Rate CPI m/m CPI y/y GDP q/q NZD Forex pairs with the NZD currency involved New Zealand announcements: Official Cash Rate & RBNZ Rate Statement Employment Change/Unemployment Rate CPI q/q GDP q/q CHF Forex pairs with the CHF currency involved Swiss announcements: SNB Policy Rate Other affected simulated instruments Announcements Crude Oil (USOIL.cash, UKOIL.cash) Crude Oil InventoriesStage: evaluation and fundedSource: News conditionsLast verified:
One-Phase Lite USD 10,000 - cTrader - Commission Free
One-time
$100
1
$10K
80%
—
Plan details: One-Phase Lite USD 10,000 - cTrader - Commission Free
Entry fee
$100Quoted 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:
