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Instant Funding
One-Phase Lite USD 25,000 - MetaTrader 5 - RAW Spreads
One-time
$185
1
$25K
80%
—
Plan details: One-Phase Lite USD 25,000 - MetaTrader 5 - RAW Spreads
Entry fee
$185Quoted 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:
Plan details: Instant Funding Lite USD 5,000 - cTrader - Commission Free
Entry fee
$191Quoted 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 loss is limited to 10% of your starting balance, managed through a hybrid drawdown model that tightens once you lock in profit. Starting limit 10% of starting balance Lock-in trigger +5% gain on account balance Post lock-in 5% of starting balance Learn more → Example: with a $10,000 starting balance, your account can’t initially drop below $9,000. Once you make 5% profit ($500), your max drawdown level adjusts to $9,500.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 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 at rollover → next day’s limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Payout conditions
Your first withdrawal is available 14 days after your initial trade — after that, you can withdraw every 7 days following your next trade. First payout 14 days after your initial trade Then Every 7 days after your next trade Minimum $25 Learn more → To request: ensure all trades are closed and your Smart Drawdown is locked in, then choose your withdrawal method and amount from your dashboard.Source: Payout conditionsLast verified:
Scaling policy
Double your account size after achieving a minimum 10% gain — up to a maximum balance of $1,280,000. Requirement Minimum 10% gain, all trades closed Reward Account balance doubles instantly Maximum $1,280,000 balance Learn more → When scaling, only 5% of your account’s starting balance is used, while you keep the remaining profit. The scaling button appears on your dashboard home screen once your account is eligible.Source: Scaling policyLast verified:
News trading policy
Permitted only with the Swing add-on, which gives full access to trade during high-impact events. Without add-on Restricted — 4 minutes either side of a major news event With Swing add-on Included Learn more → Without the Swing add-on, trades executed within 4 minutes before or after a major news event are restricted — profits from such trades may be adjusted, and accounts reset if necessary. See the full list of affected news events via the link above.Source: News trading policyLast verified:
Holding policy
Overnight holding is included. Weekend holding requires the Swing add-on. Overnight Included Weekend Swing add-on required Learn more → Without the Swing add-on, close all positions before the market closes on Friday to avoid a breach.Source: Holding policyLast verified:
Position size limits
Clear limits on total lot sizes per asset class. Multiple positions within the same category are counted together when calculating total volume. Account size FX Commodities / Metals Indices Crypto $1,250 0.5 0.04 0.25 0.1 $2,500 1 0.08 0.5 0.25 $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $20,000 8 0.6 4 2 $40,000 16 1.2 8 4 $80,000 32 2.4 16 8 Learn more → Violating the Maximum Lot Rule results in a full account reset.Source: Position size limitsLast verified:
Risk per trade policy
You may not risk or lose more than 2% of your starting account balance at any time on a single trade idea. Limit 2% of starting balance per trade idea Breach type Hard breach Learn more → A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes counts as the same trade idea and does not reset the limit.Source: Risk per trade policyLast 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 – 1:100 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:100 leverage on currencies, you can trade positions worth $100,000 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:
Plan details: Instant Funding Lite USD 5,000 - cTrader - RAW Spreads
Entry fee
$191Quoted 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 loss is limited to 10% of your starting balance, managed through a hybrid drawdown model that tightens once you lock in profit. Starting limit 10% of starting balance Lock-in trigger +5% gain on account balance Post lock-in 5% of starting balance Learn more → Example: with a $10,000 starting balance, your account can’t initially drop below $9,000. Once you make 5% profit ($500), your max drawdown level adjusts to $9,500.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 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 at rollover → next day’s limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Payout conditions
Your first withdrawal is available 14 days after your initial trade — after that, you can withdraw every 7 days following your next trade. First payout 14 days after your initial trade Then Every 7 days after your next trade Minimum $25 Learn more → To request: ensure all trades are closed and your Smart Drawdown is locked in, then choose your withdrawal method and amount from your dashboard.Source: Payout conditionsLast verified:
Scaling policy
Double your account size after achieving a minimum 10% gain — up to a maximum balance of $1,280,000. Requirement Minimum 10% gain, all trades closed Reward Account balance doubles instantly Maximum $1,280,000 balance Learn more → When scaling, only 5% of your account’s starting balance is used, while you keep the remaining profit. The scaling button appears on your dashboard home screen once your account is eligible.Source: Scaling policyLast verified:
News trading policy
Permitted only with the Swing add-on, which gives full access to trade during high-impact events. Without add-on Restricted — 4 minutes either side of a major news event With Swing add-on Included Learn more → Without the Swing add-on, trades executed within 4 minutes before or after a major news event are restricted — profits from such trades may be adjusted, and accounts reset if necessary. See the full list of affected news events via the link above.Source: News trading policyLast verified:
Holding policy
Overnight holding is included. Weekend holding requires the Swing add-on. Overnight Included Weekend Swing add-on required Learn more → Without the Swing add-on, close all positions before the market closes on Friday to avoid a breach.Source: Holding policyLast verified:
Position size limits
Clear limits on total lot sizes per asset class. Multiple positions within the same category are counted together when calculating total volume. Account size FX Commodities / Metals Indices Crypto $1,250 0.5 0.04 0.25 0.1 $2,500 1 0.08 0.5 0.25 $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $20,000 8 0.6 4 2 $40,000 16 1.2 8 4 $80,000 32 2.4 16 8 Learn more → Violating the Maximum Lot Rule results in a full account reset.Source: Position size limitsLast verified:
Risk per trade policy
You may not risk or lose more than 2% of your starting account balance at any time on a single trade idea. Limit 2% of starting balance per trade idea Breach type Hard breach Learn more → A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes counts as the same trade idea and does not reset the limit.Source: Risk per trade policyLast 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 – 1:100 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:100 leverage on currencies, you can trade positions worth $100,000 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:
Plan details: Instant Funding Lite USD 5,000 - MatchTrader - Commission Free
Entry fee
$191Quoted 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 loss is limited to 10% of your starting balance, managed through a hybrid drawdown model that tightens once you lock in profit. Starting limit 10% of starting balance Lock-in trigger +5% gain on account balance Post lock-in 5% of starting balance Learn more → Example: with a $10,000 starting balance, your account can’t initially drop below $9,000. Once you make 5% profit ($500), your max drawdown level adjusts to $9,500.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 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 at rollover → next day’s limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Payout conditions
Your first withdrawal is available 14 days after your initial trade — after that, you can withdraw every 7 days following your next trade. First payout 14 days after your initial trade Then Every 7 days after your next trade Minimum $25 Learn more → To request: ensure all trades are closed and your Smart Drawdown is locked in, then choose your withdrawal method and amount from your dashboard.Source: Payout conditionsLast verified:
Scaling policy
Double your account size after achieving a minimum 10% gain — up to a maximum balance of $1,280,000. Requirement Minimum 10% gain, all trades closed Reward Account balance doubles instantly Maximum $1,280,000 balance Learn more → When scaling, only 5% of your account’s starting balance is used, while you keep the remaining profit. The scaling button appears on your dashboard home screen once your account is eligible.Source: Scaling policyLast verified:
News trading policy
Permitted only with the Swing add-on, which gives full access to trade during high-impact events. Without add-on Restricted — 4 minutes either side of a major news event With Swing add-on Included Learn more → Without the Swing add-on, trades executed within 4 minutes before or after a major news event are restricted — profits from such trades may be adjusted, and accounts reset if necessary. See the full list of affected news events via the link above.Source: News trading policyLast verified:
Holding policy
Overnight holding is included. Weekend holding requires the Swing add-on. Overnight Included Weekend Swing add-on required Learn more → Without the Swing add-on, close all positions before the market closes on Friday to avoid a breach.Source: Holding policyLast verified:
Position size limits
Clear limits on total lot sizes per asset class. Multiple positions within the same category are counted together when calculating total volume. Account size FX Commodities / Metals Indices Crypto $1,250 0.5 0.04 0.25 0.1 $2,500 1 0.08 0.5 0.25 $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $20,000 8 0.6 4 2 $40,000 16 1.2 8 4 $80,000 32 2.4 16 8 Learn more → Violating the Maximum Lot Rule results in a full account reset.Source: Position size limitsLast verified:
Risk per trade policy
You may not risk or lose more than 2% of your starting account balance at any time on a single trade idea. Limit 2% of starting balance per trade idea Breach type Hard breach Learn more → A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes counts as the same trade idea and does not reset the limit.Source: Risk per trade policyLast 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 – 1:100 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:100 leverage on currencies, you can trade positions worth $100,000 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:
Plan details: Instant Funding Lite USD 5,000 - MatchTrader - RAW Spreads
Entry fee
$191Quoted 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 loss is limited to 10% of your starting balance, managed through a hybrid drawdown model that tightens once you lock in profit. Starting limit 10% of starting balance Lock-in trigger +5% gain on account balance Post lock-in 5% of starting balance Learn more → Example: with a $10,000 starting balance, your account can’t initially drop below $9,000. Once you make 5% profit ($500), your max drawdown level adjusts to $9,500.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 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 at rollover → next day’s limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Payout conditions
Your first withdrawal is available 14 days after your initial trade — after that, you can withdraw every 7 days following your next trade. First payout 14 days after your initial trade Then Every 7 days after your next trade Minimum $25 Learn more → To request: ensure all trades are closed and your Smart Drawdown is locked in, then choose your withdrawal method and amount from your dashboard.Source: Payout conditionsLast verified:
Scaling policy
Double your account size after achieving a minimum 10% gain — up to a maximum balance of $1,280,000. Requirement Minimum 10% gain, all trades closed Reward Account balance doubles instantly Maximum $1,280,000 balance Learn more → When scaling, only 5% of your account’s starting balance is used, while you keep the remaining profit. The scaling button appears on your dashboard home screen once your account is eligible.Source: Scaling policyLast verified:
News trading policy
Permitted only with the Swing add-on, which gives full access to trade during high-impact events. Without add-on Restricted — 4 minutes either side of a major news event With Swing add-on Included Learn more → Without the Swing add-on, trades executed within 4 minutes before or after a major news event are restricted — profits from such trades may be adjusted, and accounts reset if necessary. See the full list of affected news events via the link above.Source: News trading policyLast verified:
Holding policy
Overnight holding is included. Weekend holding requires the Swing add-on. Overnight Included Weekend Swing add-on required Learn more → Without the Swing add-on, close all positions before the market closes on Friday to avoid a breach.Source: Holding policyLast verified:
Position size limits
Clear limits on total lot sizes per asset class. Multiple positions within the same category are counted together when calculating total volume. Account size FX Commodities / Metals Indices Crypto $1,250 0.5 0.04 0.25 0.1 $2,500 1 0.08 0.5 0.25 $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $20,000 8 0.6 4 2 $40,000 16 1.2 8 4 $80,000 32 2.4 16 8 Learn more → Violating the Maximum Lot Rule results in a full account reset.Source: Position size limitsLast verified:
Risk per trade policy
You may not risk or lose more than 2% of your starting account balance at any time on a single trade idea. Limit 2% of starting balance per trade idea Breach type Hard breach Learn more → A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes counts as the same trade idea and does not reset the limit.Source: Risk per trade policyLast 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 – 1:100 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:100 leverage on currencies, you can trade positions worth $100,000 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:
Plan details: Instant Funding Lite USD 5,000 - MetaTrader 5 - Commission Free
Entry fee
$191Quoted 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 loss is limited to 10% of your starting balance, managed through a hybrid drawdown model that tightens once you lock in profit. Starting limit 10% of starting balance Lock-in trigger +5% gain on account balance Post lock-in 5% of starting balance Learn more → Example: with a $10,000 starting balance, your account can’t initially drop below $9,000. Once you make 5% profit ($500), your max drawdown level adjusts to $9,500.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 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 at rollover → next day’s limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Payout conditions
Your first withdrawal is available 14 days after your initial trade — after that, you can withdraw every 7 days following your next trade. First payout 14 days after your initial trade Then Every 7 days after your next trade Minimum $25 Learn more → To request: ensure all trades are closed and your Smart Drawdown is locked in, then choose your withdrawal method and amount from your dashboard.Source: Payout conditionsLast verified:
Scaling policy
Double your account size after achieving a minimum 10% gain — up to a maximum balance of $1,280,000. Requirement Minimum 10% gain, all trades closed Reward Account balance doubles instantly Maximum $1,280,000 balance Learn more → When scaling, only 5% of your account’s starting balance is used, while you keep the remaining profit. The scaling button appears on your dashboard home screen once your account is eligible.Source: Scaling policyLast verified:
News trading policy
Permitted only with the Swing add-on, which gives full access to trade during high-impact events. Without add-on Restricted — 4 minutes either side of a major news event With Swing add-on Included Learn more → Without the Swing add-on, trades executed within 4 minutes before or after a major news event are restricted — profits from such trades may be adjusted, and accounts reset if necessary. See the full list of affected news events via the link above.Source: News trading policyLast verified:
Holding policy
Overnight holding is included. Weekend holding requires the Swing add-on. Overnight Included Weekend Swing add-on required Learn more → Without the Swing add-on, close all positions before the market closes on Friday to avoid a breach.Source: Holding policyLast verified:
Position size limits
Clear limits on total lot sizes per asset class. Multiple positions within the same category are counted together when calculating total volume. Account size FX Commodities / Metals Indices Crypto $1,250 0.5 0.04 0.25 0.1 $2,500 1 0.08 0.5 0.25 $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $20,000 8 0.6 4 2 $40,000 16 1.2 8 4 $80,000 32 2.4 16 8 Learn more → Violating the Maximum Lot Rule results in a full account reset.Source: Position size limitsLast verified:
Risk per trade policy
You may not risk or lose more than 2% of your starting account balance at any time on a single trade idea. Limit 2% of starting balance per trade idea Breach type Hard breach Learn more → A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes counts as the same trade idea and does not reset the limit.Source: Risk per trade policyLast 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 – 1:100 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:100 leverage on currencies, you can trade positions worth $100,000 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:
Plan details: Instant Funding Lite USD 5,000 - MetaTrader 5 - RAW Spreads
Entry fee
$191Quoted 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 loss is limited to 10% of your starting balance, managed through a hybrid drawdown model that tightens once you lock in profit. Starting limit 10% of starting balance Lock-in trigger +5% gain on account balance Post lock-in 5% of starting balance Learn more → Example: with a $10,000 starting balance, your account can’t initially drop below $9,000. Once you make 5% profit ($500), your max drawdown level adjusts to $9,500.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 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 at rollover → next day’s limit is 4% of $10,500 = $420.Source: Daily loss policyLast verified:
Payout conditions
Your first withdrawal is available 14 days after your initial trade — after that, you can withdraw every 7 days following your next trade. First payout 14 days after your initial trade Then Every 7 days after your next trade Minimum $25 Learn more → To request: ensure all trades are closed and your Smart Drawdown is locked in, then choose your withdrawal method and amount from your dashboard.Source: Payout conditionsLast verified:
Scaling policy
Double your account size after achieving a minimum 10% gain — up to a maximum balance of $1,280,000. Requirement Minimum 10% gain, all trades closed Reward Account balance doubles instantly Maximum $1,280,000 balance Learn more → When scaling, only 5% of your account’s starting balance is used, while you keep the remaining profit. The scaling button appears on your dashboard home screen once your account is eligible.Source: Scaling policyLast verified:
News trading policy
Permitted only with the Swing add-on, which gives full access to trade during high-impact events. Without add-on Restricted — 4 minutes either side of a major news event With Swing add-on Included Learn more → Without the Swing add-on, trades executed within 4 minutes before or after a major news event are restricted — profits from such trades may be adjusted, and accounts reset if necessary. See the full list of affected news events via the link above.Source: News trading policyLast verified:
Holding policy
Overnight holding is included. Weekend holding requires the Swing add-on. Overnight Included Weekend Swing add-on required Learn more → Without the Swing add-on, close all positions before the market closes on Friday to avoid a breach.Source: Holding policyLast verified:
Position size limits
Clear limits on total lot sizes per asset class. Multiple positions within the same category are counted together when calculating total volume. Account size FX Commodities / Metals Indices Crypto $1,250 0.5 0.04 0.25 0.1 $2,500 1 0.08 0.5 0.25 $5,000 2 0.15 1 0.5 $10,000 4 0.3 2 1 $20,000 8 0.6 4 2 $40,000 16 1.2 8 4 $80,000 32 2.4 16 8 Learn more → Violating the Maximum Lot Rule results in a full account reset.Source: Position size limitsLast verified:
Risk per trade policy
You may not risk or lose more than 2% of your starting account balance at any time on a single trade idea. Limit 2% of starting balance per trade idea Breach type Hard breach Learn more → A trade idea includes all open positions on the same instrument in the same direction (Buy or Sell). Closing and reopening a position in the same direction on the same instrument within 10 minutes counts as the same trade idea and does not reset the limit.Source: Risk per trade policyLast 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 – 1:100 Commodities – 1:20 Indices – 1:20 Crypto – 1:2 How much you can multiply your position size. Leverage varies by asset type. Example: with 1:100 leverage on currencies, you can trade positions worth $100,000 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:
IF Micro Lite USD 25,000 - cTrader - Commission Free
One-time
$193
0
$25K
80%
14
Plan details: IF Micro Lite USD 25,000 - cTrader - Commission Free
Entry fee
$193Quoted 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 25,000 - cTrader - RAW Spreads
Entry fee
$193Quoted 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 25,000 - MatchTrader - Commission Free
One-time
$193
0
$25K
80%
14
Plan details: IF Micro Lite USD 25,000 - MatchTrader - Commission Free
Entry fee
$193Quoted 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:
Check what happens after passing: account type, trading permissions and payout conditions. Required trading days and calendar waiting days are different.
