Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Fintokei | FundsCap |
|---|---|---|
| Payout | ||
| Profit Split | 80% → 100% | Up to 90% (2-Step) / 70% (Instant) |
| First Payout | — | - |
| Payout Frequency | On-demand (avg 3h 4m) | On request (up to 72h processing) |
| Max Account Size | $400,000 | $500,000 |
In this independent head-to-head comparison of Fintokei 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.
Fintokei: 3-Hour Payouts. TradingView Platform. €4M Scaling.
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
Based on our independent scoring methodology, Fintokei scores 9.3/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: Fintokei scores 9.3/10 vs FundsCap at 8.3/10.
Minimum Fee: Fintokei starts from $44; FundsCap starts from $49. Fintokei is cheaper at entry level.
Profit Split: Fintokei offers 80% → 100%; FundsCap offers Up to 90% (2-Step) / 70% (Instant). FundsCap has the higher split.
Platforms: Fintokei supports TradingView, MT5, cTrader; FundsCap is on MT4, MT5.
Tradeable Markets: Fintokei covers Forex, Metals, Energy, Indices; FundsCap offers Forex, Indices, Commodities, Crypto.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Fintokei and FundsCap compare on pricing.
Fintokei challenge fees start from $44. The firm has operated since 2023.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
On entry-level pricing, Fintokei offers a lower starting fee — an important factor if you are testing with a smaller account first.
Fintokei profit split: 80% → 100%. FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). FundsCap delivers the higher cut to traders.
Payout frequency: Fintokei pays On-demand (avg 3h 4m); FundsCap pays On request (up to 72h processing). Faster payouts are better for cash flow management.
Here is our full independent review of Fintokei:
Fintokei is the prop trading product of Purple, a Czech fintech group with roots going back to 2011. The platform itself launched in 2023 under CEO David Varga and has rapidly built a reputation for two things: industry-leading payout speed (3 hours 4 minutes average) and genuine program diversity — four distinct evaluation paths covering beginners through professional traders.
Headquartered in Brno, Czech Republic, Fintokei is EU-based and positions itself as a transparent, education-first firm. Up to three free trial accounts are available before any purchase, and all programs come with a built-in loyalty program for active traders.
Fintokei suits a wide range of traders thanks to its four-program structure. The StartTrader 3-step path with 2%/3%/6% incremental targets is genuinely designed for traders still building consistency — not just labelled as a beginner product. The SwiftTrader 100% profit split with no phase 2 target is one of the most competitive single-step offers available for experienced traders. ProTrader’s $400,000 maximum account size and €4M scaling ceiling attract serious full-time traders.
Note: Fintokei covers forex, metals, energies, and indices but does not currently offer crypto or stock CFDs on its own platform. Traders who need crypto exposure should look at crypto-specific prop firms.
Four evaluation paths:
Fintokei supports three platforms — a notably different combination from most competitors:
Tradable instruments: forex pairs, CFD metals, CFD energies, CFD indices. Zero commission on oil and indices. Max risk per trade: 3% across all programs.
Fintokei earns an 8.4 BestProp score. The 3-hour payout average is the fastest we have seen. The TradingView platform integration is unique in the prop firm space. The SwiftTrader 100% profit split and the €4M scaling ceiling are both class-leading features. The EU foundation and Purple fintech group backing provide credibility that many standalone prop firms lack.
The trade-offs: no crypto or stocks, StartTrader’s 50% starting split is low, and the 180-day maximum time limit on StartTrader adds pressure for beginners. For forex and commodities traders who prioritise payout speed, platform quality, and high scaling ceilings, Fintokei is one of the strongest offerings in the 2026 prop firm landscape.
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 Fintokei 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, Fintokei scores higher overall (9.3/10). The best choice depends on your trading style, preferred instruments, and account size.
Fintokei 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. Fintokei: 80% → 100%. FundsCap: Up to 90% (2-Step) / 70% (Instant).
EA policies: Fintokei — check the review. FundsCap — check the review. Always verify the latest policy directly with the firm.
News trading: Fintokei — check the review. FundsCap — check the review.
Read the full Fintokei review → · Read the full FundsCap review →
Based on our scoring methodology, Fintokei 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.
Fintokei offers 80% → 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.
Fintokei processes first payouts in a variable timeframe, while FundsCap takes approximately - day(s). Always verify current payout timelines on the firm's website.
Neither Fintokei 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.
