Fintokei
Czech firm with unique JPY payouts and ProTrader 2-step buffer.
20% off every purchase, new and returning customers (stacks with BYEBYEFEE: challenge fee refunded with your first payout, start by 26 Nov)
ProTrader · $100K · list $549
Black Friday is Nov 27. Fintokei Black Friday 2026 →
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EA rules at Fintokei
What Fintokei allows for Expert Advisors and other automation, as we read its rules. Rules change: confirm with the firm before you buy.
Own EA OK
- Self-developed EAs
- No third-party or pass-the-challenge EAs
- No HFT, tick scalping, latency arbitrage or opposite trades across accounts
Fintokei discount codes
Apply at checkout for an instant discount.
PFDEALS
PFDEALS15
BYEBYEFEE
Configure your challenge
Pick model → type → account size to see the exact rules & price for that variant.
Model
Model type
Account size
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Platforms
- Pick a variant to see rules.
Your selection — full details
Phase rules, specific terms, all sizes for the variant you picked above. Updates as you change selection.
Pick a model + type + size above to see details.
Fintokei at a glance
Key rules and pricing across all plans. Verify on the firm’s site — these change frequently.
| Profit target | StartTrader: 3% · SwiftTrader: 6% · ProTrader, ProTrader Swing: 8% |
|---|---|
| Max drawdown | StartTrader: 8% (static) · SwiftTrader: 3% (static) · ProTrader, ProTrader Swing: 10% (static) |
| Daily loss limit | StartTrader: 2% (from start-of-day equity); the first breach is a Soft Breach (positions closed, trading paused until 00:00 UTC), the second fails the account · SwiftTrader: 2% (from start-of-day equity) · ProTrader: 5% (from start-of-day equity)Read the full ruleShow less |
| Consistency rule | ProTrader and ProTrader Swing: none by default. StartTrader (bought from 21 Oct 2026): none, and no daily profit cap by default. SwiftTrader: max 3% of the starting balance per day (evaluation only).Read the full ruleShow lessA 40% payout-cycle rule is only imposed individually under Consistency Rules. |
| Min trading days | 3 |
Show 7 more rulesShow less
| Payout schedule | Approved in seconds, funds sent within 3-5 hours |
|---|---|
| EA / bots | Allowed — the firm answers "Can you use EAs?" with "Yes" on all program pages.Read the full ruleShow lessSelf-developed EAs only in practice: 3rd-party EAs built to pass evaluations, 3rd-party account management, signal copying, tick scalping, HFT and latency/reverse arbitrage are on the published prohibited-practices list |
| News trading | Allowed — no restrictions on trading during high-volatility news events |
| Weekend holding | Allowed — no restrictions |
| Inactivity rule | Account closed if no trade is placed for 30 days (all programs) |
| Cheapest challenge | $34 |
| Trustpilot (estimate) | 4.3/5 from ~1,433 reviews |
Rules and pricing verified 2026-11-08 against Fintokei’s own site.
Fintokei plan rules, drawdown and payout terms
Every figure below is read from Fintokei’s own published plan pages and re-checked 2026-11-08. Where a plan defers part of the fee, the balance is shown beside the price. Open a plan for its rules and its price per account size.
Fintokei StartTrader rules
| Profit target | 3% |
|---|---|
| Daily loss limit | 2% (from start-of-day equity); the first breach is a Soft Breach (positions closed, trading paused until 00:00 UTC), the second fails the account |
| Max drawdown | 8% (static) |
| Min trading days | 3 |
| Consistency rule | None (no consistency rule and no daily profit cap for accounts bought from 21 Oct 2026) |
| Profit split | 80% (flat; payouts capped at $400 per account) |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:25 FX/Gold/Silver, 1:20 Indices, 1:10 other |
| Account size | Price |
|---|---|
| $5,000 | $34 |
Fintokei SwiftTrader rules
| Profit target | 6% |
|---|---|
| Daily loss limit | 2% (from start-of-day equity) |
| Max drawdown | 3% (static) |
| Min trading days | 3 |
| Consistency rule | max 3% of the starting balance from a single day (evaluation only) |
| Profit split | 90% |
| Payout rules | Bi-weekly (every 14 days) |
| EA and trading bots | Restricted - own only, no commercial/HFT |
| Leverage | 1:25 FX/Gold/Silver, 1:20 Indices, 1:10 other |
| Account size | Price |
|---|---|
| $5,000 | $44 |
| $10,000 | $89 |
| $20,000 | $144 |
| $50,000 | $299 |
| $100,000 | $499 |
| $200,000 | $1,099 |
Fintokei ProTrader rules
| Profit target | 8% |
|---|---|
| Phase 2 target | 6% |
| Daily loss limit | 5% (from start-of-day equity) |
| Max drawdown | 10% (static) |
| Min trading days | 3 |
| Consistency rule | None by default (a payout consistency rule can be imposed on individual traders) |
| Profit split | 80% |
| Payout rules | Bi-weekly (every 14 days) |
| EA and trading bots | Restricted |
| Leverage | 1:100 FX/Gold/Silver, 1:50 Indices, 1:20 other |
| Account size | Price |
|---|---|
| $5,000 | $49 |
| $10,000 | $99 |
| $20,000 | $159 |
| $50,000 | $329 |
| $100,000 | $549 |
| $200,000 | $1,249 |
| $400,000 | $2,599 |
Fintokei ProTrader Swing rules
| Profit target | 8% |
|---|---|
| Phase 2 target | 6% |
| Daily loss limit | 5% (from start-of-day balance; breach checked on live equity) |
| Max drawdown | 10% (static) |
| Min trading days | 3 |
| Consistency rule | None by default (a payout consistency rule can be imposed on individual traders) |
| Profit split | 80% |
| Payout rules | Bi-weekly (every 14 days) |
| EA and trading bots | Restricted |
| Leverage | 1:25 FX/Gold/Silver, 1:20 Indices, 1:10 XPD/XPT/NGAS/Crude Oil, 1:2 BTC, 1:1 other crypto |
| Account size | Price |
|---|---|
| $5,000 | $69 |
| $10,000 | $119 |
| $20,000 | $199 |
| $50,000 | $419 |
| $100,000 | $679 |
| $200,000 | $1,499 |
Costs, payouts & platforms
What the account costs to run and how the money actually comes out — fees, payout timing and limits, scaling, and which platforms you can trade on.
| Payout cadence | Every 14 days |
|---|---|
| Platforms | MT5, cTrader, TradingView (MT4 deprecated) |
Strengths & watch-outs
What works in your favour, and the quirks, fees, hidden rules and operational catches we found in Fintokei’s rules and FAQ. Always verify with the firm before purchase.
Strengths
- EAs/automation officially allowed
- High payout split (80-100%)
Watch out for
- Consistency rule applies (see at a glance)
- SwiftTrader overhauled (verified July 2026): 6% target, -2% daily / -3% max loss, 90% reward, min 3 days, max 60 days
Read moreShow less
- Minimum payout amounts: 100 EUR, 100 USD, 2000 CZK, 20,000 JPY
- ProTrader $400K plan has lower minimum payout (120 EUR/USD)
- Payouts every 14 days (not weekly/monthly)
- Crypto withdrawal fees: ETH/USDT 2.5% + 10 EUR; BTC/USDC 2.5% + 20 EUR
- Wire transfers covered by Fintokei (no fee)
- Walletory instant payouts available (separate onboarding)
Show 18 more watch-outsShow 13 more watch-outsShow less
- Leverage by program: ProTrader 1:100 FX/Gold/Silver, 1:50 Indices, 1:20 other; ProTrader Swing 1:25 FX/Gold/Silver, 1:20 Indices, 1:10 other (1:100 until autumn 2026); SwiftTrader 1:25 FX/Gold/Silver, 1:20 Indices, 1:10 other; StartTrader 1:25 FX/Gold/Silver, 1:20 Indices, 1:10 other
- Daily profit cap (+1% from start of day) closes all positions and sets account read-only until UTC midnight - if Consistency Rules trigger this
- ProTrader Swing sets its daily loss limit from the start-of-day balance (open trades excluded), but breaches are still checked on live equity, so floating losses count.
Read moreShow less
Fintokei's Swing page and an August 2026 blog post say open-trade pullbacks won't count against you; the rules FAQ says otherwise, so plan for the equity check
- EA restriction: must be developed/controlled by trader; commercial 'plug-and-play' EAs prohibited
- Tick scalping and HFT are explicitly banned: both are named in the "Prohibited practices" box on the StartTrader, SwiftTrader and ProTrader pages (and in General Terms art.
Read moreShow less
V.2), alongside latency arbitrage, opposite trading/hedging across accounts and 3rd-party EAs built to pass evaluations
- Swap-free re-scoped by the firm: the SwiftTrader table's 'Swap-free trading: Yes' per-size row is gone, and the only surface still publishing swap-free is ProTrader Swing (per-size checkmark row on /programs, the homepage and the Swing page).
Read moreShow less
Whether swap accounts remain available on the other programs is unpublished - ask support before relying on it
- Per-program allocation caps limit total exposure per customer: $200,000 across SwiftTrader and $400,000 across ProTrader and ProTrader Swing combined; StartTrader is capped at 2 lifetime purchases of the $5,000 account, one active at a time
- Payouts are approved in seconds and paid within 3-5 hours, with no account freeze while the payout is processed (firm claim on the program pages; its help centre says StartTrader accounts bought from 21 Oct 2026 get no instant payouts)
- Any account is closed if no trade is placed for 30 days — applies during the evaluation phases too
- StartTrader bought from 21 Oct 2026 is one phase ($5,000, $34, 3% target, 2% daily / 8% max loss, 60 days) and pays a flat 80%, capped at $400 per account across at most 2 payout requests (min 2% profit each); reaching the cap closes the account.
Read moreShow less
Older StartTrader accounts keep the 3-phase rules and the 50-100% Dynamic Performance Reward
- Fintokei Loyalty Program pays XP per milestone (challenge purchase 10-400 XP by program and size, phase passes 150-250 XP, payout approved 300 XP) — and even an account breach earns 50 XP
- StartTrader Soft Breach (from 21 Oct 2026): the first daily-loss hit closes all open positions and pauses trading until 00:00 UTC instead of failing the account; a second hit or any max-loss breach closes it.
Read moreShow less
The challenge and the funded account each get one. StartTrader can only be your first (or first two) Fintokei purchases, and BOGO codes do not apply to it
- A minimum trading day counts per UTC calendar day with any open trade (help centre, updated 27 Oct 2026): one trade held from Monday to Wednesday counts as 3 trading days, so you don't need to open or close a trade each day.
Read moreShow less
It applies to StartTrader, SwiftTrader and ProTrader in both the challenge and the funded phase
How to play Fintokei
Model-specific observations about their rules and mechanics. Educational only — not trading or investment advice.
ProTrader 2-step gives 4.8pp DD buffer — safest path. Unique JPY payout currency for APAC traders. EAs are allowed, but tick scalping, HFT, latency arbitrage and 3rd-party pass-the-challenge EAs are explicitly banned. Swap-free is now only published for ProTrader Swing.
Our team at Fintokei
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Fintokei — frequently asked questions
Does Fintokei have a discount code?
Yes. The Fintokei discount code for November 2026 is PFDEALS: 20% off every purchase, new and returning Fintokei customers (stacks with BYEBYEFEE: challenge fee refunded with your first payout, start by 26 Nov), at checkout. PFDEALS is PropfirmDeals' own Fintokei code, with no published end date; the StartTrader $5K costs $27.20 with it instead of $34. PFDEALS15 is PropfirmDeals' own Fintokei code too: 15% off for existing Fintokei customers at checkout. Every plan's price with it: https://propfirmdeals.org/fintokei-discount-code.html.
Is Fintokei legit and safe?
Fintokei holds an estimated Trustpilot rating of 4.3/5 from roughly 1,433 reviews. As with any prop firm, read the current rules and payout terms before buying, and start with a smaller account size.
Does Fintokei have a consistency rule?
ProTrader and ProTrader Swing: none by default. StartTrader (bought from 21 Oct 2026): none, and no daily profit cap by default. SwiftTrader: max 3% of the starting balance per day (evaluation only). A 40% payout-cycle rule is only imposed individually under Consistency Rules.
What is Fintokei's profit split?
Fintokei's profit split is 80-100%.
How fast does Fintokei pay out?
Approved in seconds, funds sent within 3-5 hours Ongoing cadence: Every 14 days.
Ready to try Fintokei?
Click through with our link — same price as direct. Helps fund PropfirmDeals.
Trading involves risk of capital loss. Past performance does not guarantee future results. This is not financial advice — verify firm rules before purchase.