Moneta Funded
88% profit split, and your own EAs are explicitly allowed.
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EA rules at Moneta Funded
What Moneta Funded allows for Expert Advisors and other automation, as we read its rules. Rules change: confirm with the firm before you buy.
Our team has an account here and is testing it now.
Own EA OK
- Self-developed EAs on all programs except Sprint
- No martingale, grid, HFT, order spamming or latency arbitrage
Moneta Funded discount codes
No public discount code is listed for Moneta Funded right now.
Configure your challenge
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Your selection — full details
Phase rules, specific terms, all sizes for the variant you picked above. Updates as you change selection.
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Moneta Funded at a glance
Key rules and pricing across all plans. Verify on the firm’s site — these change frequently.
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| Profit target | 10% (1-Step); 3% (1-Step Daily); 5% (2-Step P1) -> 10% (P2); 10% per level across 11 Phoenix levels; None (Instant Funding / Instant Funding Pro); multiplier-based (Sprint)Read the full ruleShow less |
|---|---|
| Max drawdown | 5% trailing with a lock (1-Step relaunched 30 September 2026 on the Instant Funding risk engine; 1-Step accounts bought before the relaunch keep 6% static); 2% static (1-Step Daily); 6% static (Phoenix); 10% static, or 8% on the lower-cost option (2-Step); 5% trailing (Instant Funding — 6% for accounts opened before 2026-07-02); 8% trailing (Instant Funding Pro).Read the full ruleShow lessOn the relaunched 1-Step, on 1-Step Daily, and on Instant Funding and Instant Funding Pro accounts bought after 21 September 2026 the Maximum Loss Level locks at the initial balance as soon as a payout is APPROVED - your buffer after the first payout is only the profit left in the account |
| Daily loss limit | 3% (1-Step/Phoenix/Instant Funding); 1% (1-Step Daily); 5% standard or 4% on the lower-cost option (2-Step); 4% (Instant Funding Pro).Read the full ruleShow lessThe mechanism is the same on every program: at the 22:00 UTC rollover the system takes the higher of your balance or equity and subtracts the daily loss amount to set that day's breach level, and the account breaches if equity - including floating losses on open trades - drops below that level at any point in the day. The daily loss amount is a fixed percentage of your initial account size, so the buffer does not grow as the account grows |
| Consistency rule | Instant Funding only — 15% or 20% of total profit in any single 24h period, selected at purchase (15% is priced lower), and it resets after each payout. No consistency rule on Instant Funding Pro, 1-Step, 1-Step Daily, 2-Step or PhoenixRead the full ruleShow less |
| Min trading days | 2-Step Challenge Standard: 3 profitable days per phase (each at least 0.5% of initial balance) · 1-Step Challenge Standard, Phoenix Scaling Program Standard: 3 profitable days (each at least 0.5% of initial balance) · 1-Step Daily Standard: NoneRead the full ruleShow less |
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| Minimum hold time | No published minimum hold time — the firm calls trades held for seconds or minutes 'normal'. What is banned is HFT: strategies relying primarily on extremely short holding times, rapid order placement or execution speed |
|---|---|
| Min profitable days | 3 profitable days (1-Step, including the 30 September 2026 relaunch; 2-Step per phase; Phoenix); none (1-Step Daily, Instant Funding or Instant Funding Pro).Read the full ruleShow lessA profitable day = closed profit of at least 0.5% of the initial balance, measured midnight-to-midnight server time |
| Payout schedule | 24-48 business hours after approval, $100 minimum withdrawal. Payout methods are crypto (USDC-ERC20, USDT-ERC20, USDT-TRC20) or a direct payout to a Moneta Markets account |
| EA / bots | Self-developed EAs allowed; copy trading only between Moneta Funded accounts owned by the same person (no external master account). EAs are not allowed on the Sprint Challenge.Read the full ruleShow lessMartingale, grid/hedging, HFT, tick scalping, order spamming, latency arbitrage, one-sided betting, gamifying the evaluation and reverse trading across accounts are prohibited |
| News trading | No opening or closing trades within 5 minutes before or after high-impact (red folder) news on 1-Step/2-Step/Instant Funding; Sprint also bans gap, market-open and market-close trading.Read the full ruleShow lessInstant Funding Pro and the Phoenix Scaling Program are the exceptions — news trading is fully allowed on both. Carve-out: a trade opened at least 2 hours before the scheduled event may close inside the restricted window, including a close triggered by Take Profit or Stop Loss. The firm uses the ForexFactory red-folder calendar and applies the block to every instrument tied to the affected currency |
| Weekend holding | Allowed |
| Max leverage | 2-Step: 1:100 FX, 1:30 metals, 1:25 indices, 1:10 energy, 1:2 crypto. All other programs (1-Step, Instant, Instant Pro, Sprint, Phoenix): 1:30 FX, 1:10 metals, 1:8 indices, 1:3 energy, 1:1 crypto |
| Inactivity rule | Accounts with no trade placed within 30 days are breached |
| Cheapest challenge | $25 |
| Trustpilot (estimate) | 4.6/5 from ~297 reviews |
Rules verified 2026-10-03; prices last checked 2026-05-22, against Moneta Funded’s own site.
Details last changed .
Moneta Funded plan rules, drawdown and payout terms
Every figure below is read from Moneta Funded’s own published plan pages and re-checked 2026-05-22. 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.
Moneta Funded 2-Step Challenge Standard rules
| Profit target | 5% |
|---|---|
| Phase 2 target | 10% |
| Daily loss limit | 5% of initial balance (standard) or 4% (lower-cost option) |
| Max drawdown | 10% of initial balance (standard) or 8% (lower-cost option), static |
| Drawdown type | Static |
| Min trading days | 3 profitable days per phase (each at least 0.5% of initial balance) |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:100 FX / 1:30 metals / 1:25 indices / 1:10 energy / 1:2 crypto |
| Account size | Price |
|---|---|
| $5,000 | $39 |
| $10,000 | $69 |
| $25,000 | $149 |
| $50,000 | $289 |
| $100,000 | $449 |
Moneta Funded 1-Step Challenge Standard rules
| Profit target | 10% |
|---|---|
| Daily loss limit | 3% of initial balance, measured on equity including floating losses |
| Max drawdown | 5% of initial balance, trailing with a lock (same mechanic as Instant Funding); locks at the initial balance once a payout is approved. 1-Step accounts bought before the 30 September 2026 relaunch keep 6% static |
| Drawdown type | Trailing |
| Min trading days | 3 profitable days (each at least 0.5% of initial balance) |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $5,000 | $49 |
| $10,000 | $89 |
| $25,000 | $189 |
| $50,000 | $289 |
| $100,000 | $489 |
Moneta Funded 1-Step Daily Standard rules
| Profit target | 3% |
|---|---|
| Daily loss limit | 1% of initial balance, measured on equity including floating losses (22:00 UTC rollover snapshot) |
| Max drawdown | 2% of initial balance (static - does not trail); locks at the initial balance once a payout is approved |
| Drawdown type | Static |
| Min trading days | None |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | Daily - max $1,000 per request on $50K, $2,000 on $100K |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
Moneta Funded Instant Funding Standard rules
| Daily loss limit | 3% of initial account size |
|---|---|
| Max drawdown | 5% of balance or equity, whichever is higher (trailing; 6% for accounts opened before 2026-07-02). Stops trailing once it reaches the starting balance; on accounts bought after 21 September 2026 it also locks at the starting balance once a… |
| Drawdown type | Trailing |
| Consistency rule | 15% or 20% of total profit in a single 24h period, selected at purchase; resets after each payout |
| Profit split | 60% or 88% (selected at purchase — 60% costs less) |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $5,000 | $350 |
| $10,000 | $600 |
| $50,000 | $2,750 |
Moneta Funded Phoenix Scaling Program Standard rules
| Profit target | 10% per level, 11 levels ($2,500 -> $2,000,000) |
|---|---|
| Daily loss limit | 3% of initial balance |
| Max drawdown | 6% of initial balance (static) |
| Drawdown type | Static |
| Min trading days | 3 profitable days (each at least 0.5% of initial balance) |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | Bi-weekly (every 14 days) |
| News trading | Allowed |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $2,500 | $25 |
| $5,000 | $45 |
| $10,000 | $85 |
| $20,000 | $165 |
Moneta Funded Sprint Challenge Standard rules
| Profit target | Multiplier-based (2x or 5x) within a 1, 2, 4 or 8 hour time limit — miss it and the challenge fails |
|---|---|
| Consistency rule | None |
| Profit split | 100% |
| Payout rules | Paid within 48 hours of completion |
| EA and trading bots | EAs are not allowed on Sprint |
| News trading | Prohibited, as are gap, market-open and market-close trading |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $10,000 | $30 |
| $50,000 | $150 |
| $100,000 | $300 |
Moneta Funded Instant Funding Pro Standard rules
| Daily loss limit | 4% of initial account size |
|---|---|
| Max drawdown | 8% of balance or equity, whichever is higher (trailing). Stops trailing once it reaches the starting balance; on accounts bought after 21 September 2026 it also locks at the starting balance once a payout is approved |
| Drawdown type | Trailing |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | First payout on demand once $100 is reached, then every 14 days |
| News trading | Allowed (also on Phoenix) |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
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.
| Commissions | $4 per lot per round trip on FX and metals; no commission on indices, energy or crypto |
|---|---|
| Fee refund | 1-Step, 1-Step Daily and 2-Step refund the challenge fee after your 4th payout on the same account. Instant Funding has no fee-refund structure |
| Payout cadence | Every 14 calendar days; 1-Step Daily pays daily, capped at $1,000 per request on $50K and $2,000 on $100K; Instant Funding Pro's first payout is on demand once $100 is reached, then every 14 days; Sprint pays within 48 hours of completion.Read the full ruleShow lessThe 14-day clock starts at your first trade and is measured to the exact time of that trade, not from the purchase date |
Strengths & watch-outs
What works in your favour, and the quirks, fees, hidden rules and operational catches we found in Moneta Funded’s rules and FAQ. Always verify with the firm before purchase.
Strengths
- Generous max-drawdown buffer
- Static (not trailing) drawdown — equity gains stay banked
- EAs/automation officially allowed
- High payout split (see at a glance)
- Strong Trustpilot rating (4.6/5)
Watch out for
- Trailing drawdown — equity gains can shift the breach line
- Tight daily drawdown (see at a glance) — verify your worst-day before committing
- Consistency rule applies (see at a glance)
- 1-Step relaunched 30 September 2026 on the Instant Funding risk engine: max loss is now 5% TRAILING with a lock (was 6% static), a 1% floating loss breaches the account outright, and the max loss locks at your starting balance once a payout is approved.
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The 10% target, 3% daily loss, 3 profitable days and 88% split stay, and a $200K size was added. Accounts bought before the relaunch keep the old rules
- New 1-Step Daily (from 29 September 2026): 3% target, 1% daily loss, 2% static max loss, no minimum profitable days, no consistency rule and DAILY payouts - but each payout is capped at $1,000 on $50K or $2,000 on $100K, and the max loss locks at the starting balance once a payout is approved, so a $1,000 payout on $50K leaves a $1,000 buffer.
- Instant Funding bought from 21 September 2026: a 1% floating loss is an instant breach, and on both Instant Funding and Instant Funding Pro the max loss locks at your starting balance the moment a payout is approved - leave a buffer before withdrawing
- 88% profit split on 1-Step, 1-Step Daily, 2-Step, Instant Funding Pro and Phoenix
- Instant Funding sells TWO splits: 60% (cheaper) or 88% — chosen at purchase, so the headline 88% is not automatic
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- 100% split on the Sprint Challenge (instant-payout time-boxed mini-evaluations)
- Sprint Challenge: $10K/$25K/$50K/$100K, 2x/5x multipliers, 1/2/4/8 hour timeframes, payout within 48h
- Instant Funding Pro and the Phoenix Scaling Program are the only programs that allow news trading — on Instant Funding Pro in exchange for a 4% max-profit-per-day cap that auto-closes positions
- Instant Funding trailing drawdown tightened from 6% to 5% for accounts opened on or after 2026-07-02
- Trailing drawdown stops trailing once it reaches your starting balance, then stays fixed there
- Self-developed EAs allowed (rare among forex prop firms) — but not on Sprint, and commercial/third-party EAs and signal services are not permitted.
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The same rules article also bars any automated system that trades without genuine discretionary decision-making, so a fully systematic custom EA sits in a grey zone
- No minimum hold time published; the firm calls seconds-to-minutes trades normal, but bans HFT-style execution-speed strategies
- Min 3 profitable days at >=0.5% of initial balance on 1-Step, 2-Step and Phoenix - Instant Funding, Instant Funding Pro and 1-Step Daily have no minimum-profitable-days requirement
- Consistency rule applies to Instant Funding only, at 15% or 20% chosen at purchase, and resets after each payout
- Phoenix Program: 11 levels from $2,500 up to $2,000,000. To move up a level you need the 10% profit target plus at least 3 profitable days (each 0.5% or more).
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Traders may start at Level 1, 2, 3 or 4, and all the profit made on a level, including anything above 10%, carries over as withdrawable credit on the next level - but scaling and payouts only trigger with all trades closed, a payout taken before 10% resets that profit to zero for scaling, the carried credit does not count toward the next 10% target or add to your loss limits, and any credit not yet paid out is lost if the account is breached
- $100K cap per program (the 1-Step relaunched 30 September 2026 goes to $200K), but $2.4M is the absolute maximum capital one trader can manage across all programs
- Funded accounts auto-restrict at 2-3% floating loss on a single symbol, then run under a 1.5% risk-per-trade-idea limit - except Instant Funding bought from 21 September and the relaunched 1-Step, where a 1% floating loss breaches outright
- Challenge fee refunded after the 4th payout on 1-Step/1-Step Daily/2-Step — not the first
- Broker-backed by Moneta Markets (10+ year track record)
- Saint Lucia registered, HQ in Dubai
- MT5 + MatchTrader platforms (no MT4)
- Prohibited: HFT, tick scalping, latency arbitrage, martingale, grid/hedging, order spamming/hyperactivity, one-sided betting, gamification of the evaluation, account sharing, reverse trading across accounts
- MonetaFunded Live Plan: an invitation-only program on real company capital and real market execution - the firm nominates traders, you cannot apply. The catch: once it is activated you are no longer eligible to purchase or participate in new Challenges
- Discount codes do not apply to Sprint Challenge purchases - the firm's own product-offerings article says so outright, so a site-wide coupon will not cut a Sprint entry
- Every client gets one Free Trial Account in the dashboard: built like a 2-Step Phase 1 but needing only 1 profitable day, and it can be re-opened as often as you like until you pass it (once passed, no new trial is issued). Consistency is displayed on it but is not required to pass
- Payout to Broker: send a payout to a Moneta Markets account and either keep the cash plus a 20% credit bonus, or convert the whole payout into a 100% matched credit bonus. The credit is tradable margin and is not withdrawable, but profits made from it are
How to play Moneta Funded
Model-specific observations about their rules and mechanics. Educational only — not trading or investment advice.
88% split is the top of the market among major forex firms — but on Instant Funding that 88% is the pricier of two options (60% costs less), so check which one you are buying.
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The 2-Step ships in two configurations: 5%/10% standard or a cheaper 4%/8% build; the standard one gives you the 10pp buffer.
Instant Funding Pro is the outlier product — 8% trailing, no consistency rule, no minimum days, first payout on demand, and news trading is allowed on it, as on Phoenix (the trade-off is a 4% max profit per day cap).
Since 29-30 September the 1-Step trails (5%, with a 1% floating-loss breach) and the new 1-Step Daily swaps the 10% target for 3% with a tight 2% static max loss and capped daily payouts.
Our team at Moneta Funded
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Moneta Funded — frequently asked questions
Does Moneta Funded have a discount code?
Moneta Funded has no public promo code right now. Any promotion runs directly in the firm's own checkout, so there is nothing to paste in. Our link is a tracked affiliate link and does not change the price you pay.
Is Moneta Funded legit and safe?
Moneta Funded holds an estimated Trustpilot rating of 4.6/5 from roughly 297 reviews. As with any prop firm, read the current rules and payout terms before buying, and start with a smaller account size.
Does Moneta Funded have a consistency rule?
Instant Funding only — 15% or 20% of total profit in any single 24h period, selected at purchase (15% is priced lower), and it resets after each payout. No consistency rule on Instant Funding Pro, 1-Step, 1-Step Daily, 2-Step or Phoenix.
What is Moneta Funded's profit split?
Moneta Funded's profit split is 88% on 1-Step, 1-Step Daily, 2-Step, Phoenix and Instant Funding Pro; Instant Funding 60% or 88% chosen at purchase; 100% on the Sprint Challenge.
How fast does Moneta Funded pay out?
24-48 business hours after approval, $100 minimum withdrawal.
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Trading involves risk of capital loss. Past performance does not guarantee future results. This is not financial advice — verify firm rules before purchase.