Important Notice: General Trading Guidelines Apply
All traders must follow the rules and standards outlined in our General Trading Guidelines.
Failure to follow these rules may result in warnings, restrictions, or account termination, depending on the severity of the violation.
For full details, please review the General Trading Guidelines before trading on any account type.
NOTE: These rules apply to Instant Funding accounts purchased from May 20 onwards.
If your account was purchased before May 20, kindly proceed to this article instead: https://help.fundingtraders.com/en/articles/11383098-instant-funding-old
Rules and Objectives
Any violation of a hard breach rule or trading objective will result in the immediate termination of the account.
Daily Loss Limit - 3%
The daily drawdown rule at FundingTraders requires that a trader’s equity or balance must never fall below -3% of the account size, measured relative to the higher of the day’s starting balance or starting equity. This rule is enforced in real-time and includes floating losses from open positions.
Daily Drawdown Calculation
Drawdown Limit: 3% of the account size.
Reference Value: Calculated from the higher of the starting day’s balance or equity.
If either equity or balance drops below this threshold at any point during the day, the rule is breached and the account is subject to termination.
Example 1: Higher Equity at Start of Day
Start of Day:
Balance: $10,000
Equity: $10,500 (open trade in profit)
Reference (Higher Value): $10,500
Drawdown Limit: $300 (3% of $10,000)
Violation Threshold: $10,500 - $300 = $10,200
Breach: If equity drops below $10,200 at any point, the rule is violated.
Example 2: Higher Balance at Start of Day
Start of Day:
Balance: $10,500 (closed trade in profit yesterday)
Equity: $10,000 (currently floating a $500 loss)
Reference (Higher Value): $10,500
Drawdown Limit: $300 (3% of $10,000)
Violation Threshold: $10,500 - $300 = $10,200
Breach: If balance falls below $10,200 at any point, the rule is violated.
This mechanism is designed to enforce discipline and risk management, ensuring traders do not overexpose their capital within a single trading day.
Maximum Loss Limit
6% | This is trailing until 3% profit is made. Once 3% profit is made, maximum drawdown locks to initial account size.
Example 1:
Challenge account size: $50,000
6% of Challenge account size: -$3,000
Highest Recorded Balance: $50,500
Max. Daily Loss: $47,500
Example 2:
Challenge account size: $50,000
6% of Challenge account size: -$3,000
Highest Recorded Balance: $54,500
Max. Daily Loss: $50,000
Note: The maximum drawdown for Instant Funding accounts DOES NOT reset upon payout.
Maximum Risk Limit
You are only entitled to risk 1% of the initial account balance. This means the your floating PnL (Profit and Loss) must not drop to -1% of your initial account balance relative to your current balance. This is collective of all active trades.
Example 1:
Initial Account Balance: $50,000
Current Balance: $50,000
1% of Initial Account Balance: $500
Maximum Loss Allowed (Floating PnL): -$500
Minimum Equity Before Breach: $49,500
You are only entitled to risk 1% of the account. This means that your floating PnL must not drop to -$500, and your equity must never fall below $49,500 at any point — or it will be considered a violation.
Example 2:
Initial Account Balance: $50,000
Current Balance: $52,000
1% of Initial Account Balance: $500
Maximum Loss Allowed (Floating PnL): -$500
Minimum Equity Before Breach: $51,500
Minimum Profitable Days
To remain eligible for payouts, FundingTraders requires that within every 30-day period, you achieve at least 5 profitable days, each earning a minimum of 0.25% of your account balance.
Requirement
In each 30-day period, you must have at least 5 separate days where you generate a profit of 0.25% or more of your starting balance.
Example
Account Size: $50,000
0.25% of $50,000: $125
Start Date: If you place your first trade on September 10, 2025
Requirement: You must record 5 distinct days each with at least $125 profit between September 10, 2025, and October 9, 2025.
How the 30-Day Period Resets
The period restarts after every payout.
If no payout occurs, it restarts automatically after 30 days from the date of your first trade in the current period.
This rule encourages sustained, consistent trading performance and helps ensure that profits are not generated from a single windfall day but instead reflect disciplined, repeatable strategies. Failure to meet this requirement will result in immediate account termination.
Guidelines
Additional account and trading guidelines.
News Trading
Funded Phase Rules
News trading is strictly prohibited.
🔴 Having any open trades during news events will result into account termination
Timing Restrictions
During high-impact news events, trading is restricted within a 10-minute window, spanning:
5 minutes before the high-impact event
5 minutes after the high-impact event
(For trades placed before July 25, 2025, a longer 20-minute window applies instead:
10 minutes before the event
10 minutes after the event
These restrictions replace the standard 10-minute timeframe for qualifying trades.)
Affected Instruments
All currency pairs linked to the news event are restricted, along with indices tied to the relevant currency’s economic news.
For example:
US30 will be flagged during medium- or high-impact US news events.
DAX will be restricted during EUR-related news events.
JPN225 will be restricted during JPY-related news events.
These instruments are subject to the same news-trading guidelines and restrictions.
Special Exceptions/Key Differences
No exceptions are provided. The rule is enforced universally regardless of when trades were opened, the trading strategy employed, or the trader's intent. All positions must be managed to avoid the restricted time windows completely.
Can I hold trades overnight/weekend allowed?
Instant Funding accounts are allowed to hold trades overnight but cannot hold or open trades during the weekends. All open trades across every instrument, including crypto, must be closed at least one hour before market close on Friday.
Weekend Trading Rule
No Holding or Opening Trades During Weekends
All positions must be fully closed at least one hour before trading hours end on Friday. This applies to all instruments, including crypto assets.
Automatic Failure for Violations
If any trade is opened or remains open during weekend and is detected, the account will be immediately marked as failed.
Purpose
This restriction helps protect accounts from volatility, gap risk, and unpredictable price movements that frequently occur during weekend market closures.
Widened Spreads on Daily Rollover
During the Asian market open, spreads may widen significantly. Incorporate this into your trading plan to avoid unexpected losses or margin issues.
Swap Rates Apply
Swap rates (overnight fees) are charged for positions held overnight or over weekends. Review the relevant terms for your account type to understand potential costs.
By staying informed and integrating these considerations into a sound risk management strategy, traders can make the most of this flexibility while minimizing potential drawbacks. FundingTraders is committed to supporting a transparent and trader-friendly environment.
Leverage
FundingTraders supports up to 1:50 leverage, with specific ratios for each instrument class to suit different trading strategies and manage risk appropriately.
1:50 leverage on FX Majors gives scalpers and day traders the flexibility to capture intraday price movements with smaller margin requirements.
Lower leverage on other asset classes reflects their unique volatility and risk profiles.
All traders are encouraged to use leverage responsibly and practice robust risk management to maximize opportunity without exposing accounts to excessive risk.
This tiered leverage structure ensures both opportunity and account protection, aligning with FundingTraders’ focus on sustainable trading.
FX: 1:50
Indices: 1:20
Metals: 1:20
Crypto: 1:2
Energies: 1:10
Commissions
For Instant Funding accounts at FundingTraders, the commission is $6/lot roundtrip on all instruments, except Indices.
Commission: $6/lot roundtrip (applies to all instruments except Indices)
Purpose: This fee structure supports operational costs and is clearly defined so traders can manage costs effectively.
Payout
Payout eligibility requirements and information
Consistency Score
The Consistency Score is a trading rule designed to encourage sustainable and reliable profit generation, not just high-risk, one-off gains. A trader’s largest profit day should not exceed 15% of total profits to qualify for payout eligibility. Partial trades are counted on the day the position is fully closed. This ensures profit allocation reflects actual realized outcomes, not interim fluctuations.
The Consistency Score puts a threshold to the influence of outlier trading days, ensuring payouts are reserved for traders with steady performance. The largest trading day’s profit must be less than or equal to 15% of the total profit at any point. If the score exceeds this limit, trading must continue until compliance is achieved.
How to Calculate
(Highest Trading Day Profit / Total Trading Days PNL) x 100 = Consistency Score
To qualify for payouts, the result should not be greater than 15%.
How to Lower Your Score
If the Consistency Score is above 15%, use this formula to find the minimum total profits needed to meet the rule:
Highest Trading Day Profit / 0.15 = Required Total Trading Days Profits
Quick Examples
Example 1
Total Trading Days PNL: $12,000
Largest trading day: $1,800
Consistency Score = 100 × (1,800 / 12,000) = 15%, Eligible
Example 2
Total Trading Days PNL: $8,000
Largest trading day: $2,000
Consistency Score = 100 × (2,000 / 8,000) = 25%, Not eligible
To become eligible: $2,000 / 0.15 = $13,333.33
Keep trading until Total Trading Days Profits are at least $13,333.33
Example 3
Total Trading Days PNL: $6,000
Largest trading day: $900
Consistency Score = 100 × (900 / 6,000) = 15%, Eligible
Summary
To ensure payout eligibility, keep the largest profit day at or below 15% of current profits at all times. This approach rewards consistent, lower-risk trading performance and discourages a reliance on single large trades or lucky events.
Biggest Loss MUST NOT EXCEED Biggest Win
The rule at FundingTraders is: Your biggest loss on the account must not be greater than your biggest win. If your largest loss is bigger than your largest win, you must continue trading until your biggest win surpasses your biggest loss.
Rule: The value of your single largest losing trade must not exceed your single largest winning trade.
What Happens if Violated: You'll have to continue trading. This ensures your risk/reward remains healthy and one outsized loss cannot overshadow your trading record.
Example
Account Example
Your biggest win: $1,000
Your biggest loss: $1,200
Result
Since $1,200 (biggest loss) > $1,000 (biggest win), you must keep trading until you achieve a single trade win greater than $1,200.
How to Comply
Suppose your next trade nets $1,350 profit. Now, your biggest win is $1,350, which exceeds your biggest loss of $1,200. You become eligible for payout and meet the requirement.
This rule is designed to promote responsible risk management and discourage outsized losses relative to trading gains.
Safety Cushion
For Instant Funding accounts, the first 3% profit on the account is not withdrawable, serving as a mandatory buffer to protect against a breach of the daily loss limit. This 3% is always calculated from the initial account size, not on accumulated profits.
How Does the Cushion Work During Payouts?
When you request a payout
The account is automatically reset to the initial account balance plus the remaining 3% safety cushion (as long as you do not include the cushion amount in your withdrawal request). This means you can keep trading while your payout is processed, with no trading interruption.
Important:
Requesting a payout that includes the 3% cushion will lead to account termination. This is because the cushion is needed to keep your drawdown limit safe.
Key Reminders
Do NOT add the safety cushion to your withdrawal amount unless you intend to close the account.
The cushion is a risk control measure meant to protect both the trader and the platform.
This rule ensures you always have a buffer to absorb unforeseen losses and remain compliant with loss limits.
Minimum Balance for Payout
To be eligible for a payout with a FundingTraders account, you must earn at least 1% profit based on your initial account balance before making a withdrawal request.
Payout Eligibility Rule
Minimum Profit Requirement
You must achieve a profit greater than 1% of your starting account balance to qualify for a payout.
Example
Account Size: $100,000
Safety Cushion: $3,000 (3% of $100,000)
1% Threshold: $1,000
Eligibility
To request a payout, you must have at least $104,000 in your account ($100,000 initial balance + $1,000 profit + $3,000 cushion).
This requirement helps ensure that payouts are only available to traders who demonstrate meaningful, sustained account growth while maintaining all other risk management criteria.
Payout Schedule
Every 14 days | The default first payout is available 14 days after the first trade on a funded account for the trading period.
🔥 NEW Add-on: On-Demand Payout
Allows traders to request payouts anytime once eligible
Still requires meeting consistency score and 3% cushion requirements
Unlike other prop firms, we want to make sure that you have regular access to the hard-earned profits you have made.
Payout is only valid if the trader does not violate any trading rule or go against the signed terms of use agreement.
Any suspicious activities upon review of the account can delay this process. Please cooperate with us in order to receive your profit split quicker if it is a false alert.
Profit Split
FundingTraders offers a default profit split of 90% to the trader and 10% to the firm. For those seeking a higher payout, add-ons are available during checkout to increase the profit split to 100%.
Payout Process
1. Go to the Payouts tab
Open your dashboard and click the $ icon.
2. Click “Request Payout”
Select the account showing available profit.
3. Enter your 2FA code
Type the 6-digit code from your authenticator app.
4. Review your payout details
Check your profit, profit split, and refund amount.
5. Choose your payout method
Select Rise or Crypto, then enter the required details.
1. Rise (Bank Transfer)
Processing Time: 24–48 hours, weekends not included
Minimum Payout: $200
Method: Direct bank transfer via Rise Pay
How to Collect:
Sign up at Rise: https://pay.riseworks.io/auth/register
Request payout through the FundingTraders dashboard
Receive your payout bonus!
Bank transfer and crypto withdrawal both available via Rise.
2. Crypto (via Coinbase Commerce)
Processing Time: 24–48 hours, weekends not included
Minimum Payout: $50
Eligibility: Crypto payout available only if Rise is not an option
Primary Method: USDT-ERC20 via Coinbase Commerce
How to Collect:
Request payout through the dashboard
Provide your account number and crypto wallet address
Receive your payout bonus!
Notes:
All positions and limit orders must be closed before placing a payout request.
Payouts are subject to minimum thresholds, depending on the payout method.
This setup ensures both speed and flexibility while letting traders maintain market activity due to the account reset feature during payout processing.
6. Submit your request
Click REQUEST PAYOUT.
7. Confirmation screen
You’ll see “Payout Completed.” once you have successfully requested the payout.
8. Check your email
You’ll receive a confirmation with all payout details.
9. Track status
Your payout will appear under Previous Payouts with its current status.
Refund Bonus Upon Payout
FundingTraders provides a Refund Bonus as a unique benefit for traders who reach their first payout. When you qualify, the fee you paid for your evaluation phase is refunded, helping you maximize your trading rewards.
What is the Refund Bonus?
Upon reaching your first payout, you receive a refund of the amount paid for your evaluation phase.
How is the refund processed?
Card Payments: Refunded directly to the same card originally used.
Crypto Payments (USDT-ERC-20): Refunded to a USDT-ERC20 address; you will be asked for this address via email after you receive your payout notice which looks like this
Timing
The refund is processed together with your first payout.
Example
If you paid $149 for your evaluation and passed, your first payout will include the profit share you earned plus the $149 refund.
Important Notes
The refund bonus is issued only with your first payout.
Make sure your original payment method remains valid at the time of payout.
For expired or problematic payment methods, contact FundingTraders support to arrange an alternative.
The refund bonus applies to all account types except Instant Funding.
Account Reset While Payout is Being Processed
For Instant Funding accounts, payout requests trigger an automatic reset to the initial account balance plus the 3% safety cushion (as long as the cushion is not included in the payout request). This allows traders to continue trading without interruption while their payout is being processed, ensuring continued market activity during the withdrawal process.
If an account fails within 48 hours of a payout request, the payout will be denied. The account will then be reinstated, and the payout amount will be credited back to the account balance.
It is essential to understand how the 3% safety cushion applies to payouts:
The first 3% profit of the account is non-withdrawable, as it functions as a buffer against the maximum drawdown limit.
If the 3% cushion is excluded from the payout request, it will remain in the account after withdrawal, continuing to serve as protection against loss violations.
If the 3% cushion is included in the payout request, the account will be immediately marked as failed, since this would breach the maximum loss limit. However, the payout request itself will still be processed and completed.
This 3% cushion is calculated based on the initial account size, not on accumulated profits.