Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | FundsCap | FundYourFX |
|---|---|---|
| Payout | ||
| Profit Split | Up to 90% (2-Step) / 70% (Instant) | 70-80% |
| First Payout | - | 1 |
| Payout Frequency | On request (up to 72h processing) | On Demand (within 24 hours) |
| Max Account Size | $500,000 | $200,000 |
In this independent head-to-head comparison of FundsCap vs FundYourFX, 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.
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
FundYourFX: One of the most affordable prop firms with refundable fees and 24-hour payouts.
Based on our independent scoring methodology, FundYourFX scores 8.8/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: FundsCap scores 8.3/10 vs FundYourFX at 8.8/10.
Minimum Fee: FundsCap starts from $49; FundYourFX starts from $16. FundYourFX is cheaper at entry level.
Profit Split: FundsCap offers Up to 90% (2-Step) / 70% (Instant); FundYourFX offers 70-80%. FundsCap has the higher split.
Platforms: FundsCap supports MT4, MT5; FundYourFX is on Match Trader.
Tradeable Markets: FundsCap covers Forex, Indices, Commodities, Crypto; FundYourFX offers Forex, Indices, Crypto, Commodities.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how FundsCap and FundYourFX compare on pricing.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
FundYourFX challenge fees start from $16. The firm has operated since 2021. They have funded over 220,000+ traders. Total payouts to date: $36,000,000+.
On entry-level pricing, FundYourFX offers a lower starting fee — an important factor if you are testing with a smaller account first.
FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). FundYourFX profit split: 70-80%. FundsCap delivers the higher cut to traders.
Payout frequency: FundsCap pays On request (up to 72h processing); FundYourFX pays On Demand (within 24 hours). Faster payouts are better for cash flow management.
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.
Here is our full independent review of FundYourFX:
FundYourFX was founded in 2021 and operates out of Hong Kong. The firm is consistently ranked among the most affordable prop firms in the industry, with 1-Step Classic evaluations starting at $21 for a $5,000 account. With over $36 million paid to traders and a Trustpilot rating of 4.7/5 from more than 3,600 reviews, FundYourFX has earned strong trader credibility.
The 1-Step Classic is the flagship program — a single-phase evaluation with a refundable fee, 10% profit target, and 80% profit split on funded accounts. The 1-Step Pay After Pass (PAP) has an even lower upfront cost but a higher 12% profit target and a reduced 70% profit split on the funded side. Both programs use the Match Trader platform exclusively.
Both 1-Step programs use a 4% daily drawdown and 6% maximum static drawdown. There is no consistency rule, no minimum trading days, and no time limit — traders can take as long as needed to hit the profit target. EAs and weekend holding are fully permitted.
Payouts are processed within 24 hours via crypto or bank wire transfer. The fee on the 1-Step Classic is refundable — traders get their evaluation fee back with their first funded payout. The firm has paid out over $36 million to date across its trader base.
Both 1-Step programs scale funded accounts up to $6 million. There is no news trading restriction on funded accounts.
Overall, our independent scoring gives FundYourFX 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, FundYourFX scores higher overall (8.8/10). The best choice depends on your trading style, preferred instruments, and account size.
FundYourFX 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. FundsCap: Up to 90% (2-Step) / 70% (Instant). FundYourFX: 70-80%.
EA policies: FundsCap — check the review. FundYourFX — check the review. Always verify the latest policy directly with the firm.
News trading: FundsCap — check the review. FundYourFX — check the review.
Read the full FundsCap review → · Read the full FundYourFX review →
Based on our scoring methodology, FundYourFX 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.
FundsCap offers Up to 90% (2-Step) / 70% (Instant) profit split, while FundYourFX offers 70-80% profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
FundsCap processes first payouts in - day(s), while FundYourFX takes approximately 1 day(s). Always verify current payout timelines on the firm's website.
Neither FundsCap nor FundYourFX 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.
