Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | The5ers | FundsCap |
|---|---|---|
| Payout | ||
| Profit Split | 75% → 100% | Up to 90% (2-Step) / 70% (Instant) |
| First Payout | 16 | - |
| Payout Frequency | Monthly (avg 16 days) | On request (up to 72h processing) |
| Max Account Size | $250,000 | $500,000 |
In this independent head-to-head comparison of The5ers vs FundsCap, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
The5ers: Scale to $4 Million. No Upfront Fee Required.
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
Based on our independent scoring methodology, The5ers scores 9.4/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: The5ers scores 9.4/10 vs FundsCap at 8.3/10.
Minimum Fee: The5ers starts from From $15; FundsCap starts from $49. The5ers is cheaper at entry level.
Profit Split: The5ers offers 75% → 100%; FundsCap offers Up to 90% (2-Step) / 70% (Instant). FundsCap has the higher split.
Platforms: The5ers supports MT5 Hedge; FundsCap is on MT4, MT5.
Tradeable Markets: The5ers covers Forex, Metals, Indices, Crypto, Stocks, Commodities; FundsCap offers Forex, Indices, Commodities, Crypto.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how The5ers and FundsCap compare on pricing.
The5ers challenge fees start from From $15. The firm has operated since 2016. They have funded over 262,000+ traders.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
On entry-level pricing, The5ers offers a lower starting fee — an important factor if you are testing with a smaller account first.
The5ers profit split: 75% → 100%. FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). FundsCap delivers the higher cut to traders.
Payout frequency: The5ers pays Monthly (avg 16 days); FundsCap pays On request (up to 72h processing). Faster payouts are better for cash flow management.
Here is our full independent review of The5ers:
The5ers has been funding traders since January 2016, making it one of the two oldest major prop firms in the industry alongside FTMO. Founded by Saul Lokier and headquartered in Raanana, Israel, the firm has funded over 262,000 traders across 149 employees in 23 countries. That track record — nearly a decade of consistent operation — is the foundation of its reputation.
The firm’s standout program is Hyper Growth: a no-upfront-fee model where traders enter a scaling account that doubles with every 10% profit milestone, growing toward a maximum of $4,000,000. For experienced traders with a proven system, it is one of the highest-ceiling funded trading opportunities available.
The5ers suits experienced forex and multi-asset traders who value long-term capital scaling over fast payouts or high initial splits. The progression from small accounts to multi-million dollar funding is the core appeal — the trade-off is slower payout cycles and lower initial profit splits compared to newer competitors.
The Hyper Growth program’s no-fee entry model also makes The5ers uniquely accessible for skilled traders who can’t or prefer not to pay upfront challenge fees. If your strategy produces consistent 10% gains, the doubling scaling plan is one of the most powerful funding structures available.
The5ers offers four distinct programs:
The5ers earns an 8.6 BestProp score. Nearly a decade of operation, 262,000+ funded traders, and the Hyper Growth program’s $4M ceiling make it one of the most legitimate and ambitious funded trading programs available. The no-upfront-fee Hyper Growth entry is genuinely unique at this scale.
The trade-offs are real: monthly payouts with a 16-day average are slower than most competitors, and the initial 75% split on Hyper Growth is below the 80%+ standard elsewhere. Traders who prioritise payout speed or initial split percentage will find better options. But for those building a long-term funded trading career, The5ers’ scaling architecture and decade-long track record are hard to match.
Here is our full independent review of FundsCap:
FundsCap was founded in 2023 and operates through a Saint Lucia-registered entity with a physical office in Costa Rica. The firm has attracted 38,000+ traders and holds a 4.6/5 Trustpilot rating with 89% five-star reviews. FundsCap won two categories at the FundedTrading Awards 2025: Best Two Step Challenge and Best Prop Firm for Beginners. Maximum account size on the 2-Step program is $500,000. All accounts operate on MetaTrader 4 and MetaTrader 5.
The 2-Step program stands out for its 12% maximum drawdown — significantly wider than the 8-10% typical among competitors — paired with a 6% daily loss limit. This gives traders meaningful room to manage normal daily volatility without account termination. Zero payout fees and no inactivity cost outside the 15-day trading requirement add to the operational cleanliness.
2-Step Challenge ($49-$2,389 for $5K-$500K): Phase 1: 8% profit target. Phase 2: 5% profit target. Daily loss: 6% (balance-based). Max drawdown: 12% (balance-based, static). No time limit on either phase. Up to 90% profit split on funded accounts. Minimum account reset fee: 10% of the challenge price. A 15-day inactivity rule applies — at least one trade must be placed within any 15-day window. Best in class for maximum drawdown buffer among standard evaluation programs.
Instant Challenge ($258-$978 for $25K-$100K): No profit target. Daily loss: 3%. Max drawdown: 8% (static). 70% profit split. Immediate funded access without evaluation. Available only up to $100K — smaller range than the 2-Step program. Tighter daily limit (3%) offsets the lower maximum drawdown requirement.
Platforms: MetaTrader 4, MetaTrader 5. Instruments: Forex, Indices, Commodities, Cryptocurrencies. Standard CFD instrument set covering all major categories. $0 withdrawal fees.
FundsCap earns a 7.2 BestProp score. The 12% maximum drawdown on the 2-Step program is the widest buffer available at this price point ($49 for $5K) in the market — this single feature makes FundsCap particularly suitable for traders who employ strategies with higher intraday variance but consistent results over time. The dual FundedTrading Awards 2025 recognition provides third-party validation, and 38,000+ traders on a 4.6/5 Trustpilot is a solid credibility foundation for a two-year-old firm.
Watch points: the Instant Challenge is limited to $100K maximum and pays only 70% — traders seeking both instant access and high split will need to look elsewhere. The 15-day inactivity closure rule is stricter than most competitors. Payout methods are not clearly published on the main website — confirm withdrawal options before purchasing larger accounts. The Saint Lucia/Costa Rica entity structure is common but adds a layer of opacity compared to UK or EU-registered competitors.
Overall, our independent scoring gives The5ers the edge in this 2026 comparison. However, both firms have their merits. If FundsCap better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, The5ers scores higher overall (9.4/10). The best choice depends on your trading style, preferred instruments, and account size.
The5ers offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
FundsCap offers the higher profit split. The5ers: 75% → 100%. FundsCap: Up to 90% (2-Step) / 70% (Instant).
EA policies: The5ers — check the review. FundsCap — check the review. Always verify the latest policy directly with the firm.
News trading: The5ers — check the review. FundsCap — check the review.
Read the full The5ers review → · Read the full FundsCap review →
Based on our scoring methodology, The5ers edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
The5ers offers 75% → 100% profit split, while FundsCap offers Up to 90% (2-Step) / 70% (Instant) profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
The5ers processes first payouts in 16 day(s), while FundsCap takes approximately - day(s). Always verify current payout timelines on the firm's website.
Neither The5ers nor FundsCap are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
