Fintokei at a glance
A one and two-step prop firm reviewed by the Tradelytic team and rated by funded traders.
Fintokei (fintokei.com) is a European multi-asset proprietary trading firm launched in 2020 and backed directly by Purple Trading, an established EU-regulated broker. This institutional backing gives Fintokei significant structural stability, providing traders with genuine market execution conditions, transparent pricing, and direct liquidity feeds without virtual dealer markups. Fintokei offers simulated funded account sizes ranging from €1,000 up to €500,000, with scaling plans capable of pushing total account capital up to €4,000,000 across Forex, Indices, Commodities, Metals, and Crypto CFDs.
Traders can choose from three main evaluation paths: SwiftTrader (a 1-Step challenge featuring instant funded account upgrades), ProTrader (a standard 2-Step challenge featuring an 8% Phase 1 and 6% Phase 2 target), and StartTrader (a low-cost 3-Step challenge). Execution technology is top-tier, featuring full native support for MetaTrader 4, MetaTrader 5, cTrader, and direct TradingView chart execution.
Fintokei operates without arbitrary time limits on its primary challenges, allowing traders to work toward profit targets stress-free. All evaluation tracks support EA automated trading, swing position holding over the weekend, and news trading. Payout processing at Fintokei is among the fastest in the industry, featuring automated near-instant payout approvals (processed in seconds) distributed via crypto or direct bank transfer.
Our verdict
The Tradelytic editorial assessment — independent of any commercial relationship.
Fintokei stands out as one of the most reliable and technologically advanced European prop trading firms on the market. Its direct backing by EU-regulated Purple Trading removes liquidity risks, ensuring transparent trading conditions and ultra-fast payout fulfillment (often approved in under 15 seconds). The inclusion of direct TradingView integration alongside cTrader and MT4/MT5, paired with zero time limits and static drawdown parameters, makes it an ideal environment for technical day traders and swing traders.
The main trade-offs reflect Fintokei’s strict stance against high-risk or gambling-style behavior. While basic challenge rules are clear, Fintokei monitors accounts for “unsustainable trading patterns” (such as single-trade gambling, extreme lot-size spikes, or reliance on high-impact volatility). Accounts flagged for high-risk trading may have discretionary Consistency Rules applied – which cap daily profits at +1% and reduce account leverage to 1:10. Additionally, Gold spreads can run slightly wider during peak market sessions.
Pros & cons
The honest summary, weighed from our testing and trader feedback.
- Backed by Purple Trading (EU-regulated broker) for transparent market execution
- Lightning-fast automated payouts processed in seconds via Crypto and Bank Transfer
- Native platform choice: TradingView, cTrader, MT4, and MT5
- Zero time limits and minimum 3 trading days on evaluations
- Static total drawdown (6% to 10%) that never trails floating equity up
- Swing trading options available (overnight & weekend holding allowed)
- Capital scaling plans reaching up to €4,000,000 with profit splits up to 95%
- Instant evaluation pass upgrades to funded status upon target completion
- Strict anti-gambling Consistency Rules can be applied if trading patterns show excessive risk or reliance on single-day windfalls
- Spreads on Gold (XAUUSD) run slightly higher during volatile sessions
- Maximum risk per open trade rule (recommended <1% risk per setup) monitored strictly
- Regional country restrictions apply (e.g., India, Russia, Belarus)
Who it's for
Here's how to tell if this prop firm is right for you.
- Trade directly on TradingView or cTrader platforms and want native broker execution
- Demand fast payouts and reliable execution backed by an EU-regulated entity
- Are a disciplined risk manager who trades consistent lot sizes with clear stop losses
- Want to take your time passing challenges without deadline pressure
- Swing trade forex, indices, or metals with overnight position holding
- Use high-risk "all-in" position sizing or rely on single high-impact news trades to pass challenges
- Need extreme leverage (1:100+) on volatile crypto or index markets
- Prefer high-frequency tick scalping or latency arbitrage strategies
Fees & platforms
What it costs to trade, and what you'll trade on.
Fintokei charges a one-time challenge fee that varies by account size and challenge type. There is no monthly subscription. Account sizes run from $5,000 to $200,000. For the two-step path, profit targets are set across the Challenge and Verification phases, with the overall drawdown limit capped at 10% of the starting balance. The one-step path consolidates the evaluation into a single phase with a combined profit target before reaching a funded account. The challenge fee is non-refundable if the evaluation is not passed, though a free retry option is available under applicable conditions.
Evaluation Tiers & Pricing at Fintokei
Fintokei provides multiple challenge structures across account sizes from €5K to €200K+: • SwiftTrader (1-Step): 10% Profit Target | 5% Daily Loss | 10% Static Drawdown | Entry from €44 (€5K) to €1,099 (€200K) • ProTrader (2-Step): Phase 1 (8% Target) / Phase 2 (6% Target) | 5% Daily Loss | 10% Static Drawdown | Entry from €49 (€5K) to €679 (€100K) • ProTrader Swing: Same target parameters as ProTrader with custom swing leverage and weekend holding permissions • StartTrader (3-Step): Phase 1 (2%) / Phase 2 (3%) / Phase 3 (6%) | 3% Daily Loss | 6% Max Drawdown | Entry from €44 (€5K)
Drawdown & Risk Rules at Fintokei
Fintokei utilizes Static Drawdown rules. On a ProTrader account (€100,000 initial balance), the 10% total max loss limit remains fixed at €90,000 equity and never trails floating profits upward. The Daily Loss Limit is calculated as 5% of the starting day's balance/equity. Fintokei also enforces a maximum open risk guideline (<1% per trade) to promote long-term capital preservation.
Profit Split & Scaling at Fintokei
Default performance splits start at 80/20 in favor of the trader. Successful traders who demonstrate consistent risk management can scale their account capital up to €4,000,000, unlocking boosted profit splits up to 95%.
Payout Policy at Fintokei
Payouts at Fintokei are processed on-demand after fulfilling initial minimum trading days. Processing is handled via automated payout infrastructure, with approved profit withdrawals arriving in as little as 10 to 15 seconds via supported Crypto channels (USDT/BTC) or 1 – 2 business days via international Bank Wire.
Trading Rules & Restrictions at Fintokei
Key operational rules include: • Time Limits: None on ProTrader or SwiftTrader • Minimum Trading Days: 3 days on evaluation phases • EAs & News Trading: Fully permitted • Consistency & Anti-Gambling Policy: Accounts displaying volatile lot sizing, excessive leverage spikes, or single-day profit concentration (>40% of target in 1 day) may trigger Consistency Rules (capping daily profits at +1% and leverage at 1:10).
Fintokei Trading Platforms
Trading is conducted across four flagship platforms: MetaTrader 4, MetaTrader 5, cTrader, and TradingView. Order execution benefits from Purple Trading’s institutional broker engine, delivering raw spreads and direct market quotes.