Overview
Fintokei is a Czech prop firm - Fintokei a.s., part of the Purple Trading group - that has built its whole pitch around getting paid without friction, and it is the one claim here that holds up under inspection. Since August 2025 it has run Instant Payouts: you request with one click, the request is auto-approved in seconds rather than reviewed for days, the account is not frozen while it processes, and through the Walletory wallet-to-wallet method anything up to $10,000 lands in your wallet within seconds. Everything else goes out within one business day, with Fintokei covering the transfer fee. Around that sit four separate programs rather than one product with tiers: ProTrader (two phases, 8% then 6%, 100:1 leverage), ProTrader Swing (identical targets but the daily limit is measured on balance rather than equity, so floating losses do not count against it), SwiftTrader (one phase, 6%, a 90% split and a very tight 2% daily and 3% maximum loss), and StartTrader (three gentle phases at 2%, 3% and 6% for beginners). Every program uses a static maximum loss - there is no trailing drawdown anywhere on the site - and Trustpilot shows a real, published 4.3 from 1,340 reviews rather than the suspended ratings we have had to report at three other firms. The catch that decides it for many readers is geographic: Fintokei does not serve residents or citizens of the United States, India, Russia and eleven other countries, with China, Vietnam, Pakistan and Bangladesh temporarily restricted on top.
Key Features
How we score →Trading Platforms
Fintokei Rules
Pricing Options
| Account Size | Price | Discount |
|---|---|---|
| $5,000 | $39.20$49 | - |
| $10,000 | $79.20$99 | - |
| $20,000 | $127.20$159 | - |
| $50,000 | $263.20$329 | - |
| $100,000 | $439.20$549 | - |
| $200,000 | $999.20$1,249 | - |
| $400,000 | $2,079.20$2,599 | - |
Prices verified 6 September 2026 for the ProTrader program in USD on MetaTrader 5, with the NEW20 code taking 20% off the list price shown alongside. Fintokei bills in your chosen account currency - USD, EUR, CZK or JPY - so the figure you pay depends on which you pick at checkout. The other three programs price separately at list: SwiftTrader runs $44, $89, $144, $299, $499 and $1,099 across $5K to $200K; StartTrader runs $44, $119, $244 and $419 across $5K, $20K, $50K and $100K; and ProTrader Swing is the most expensive at $69, $119, $199, $419, $679 and $1,499, since holding positions through the daily reset is what you are paying for. All fees are one-time with no activation charge and no monthly billing. Two things soften the cost that most firms do not offer: up to three free trial accounts before you buy anything, and a free retake of the whole challenge if you finish a phase in profit without breaching a rule.
Fintokei Discount Code: What Is Actually Available
NEW20 takes 20% off and Fintokei displays it openly on its own program pages - the ProTrader page carries a badge reading "Challenge markets with 20% OFF, use code NEW20" - so it is a standing code rather than something you have to hunt for. There is no countdown attached, and the name suggests a new-customer offer rather than a seasonal sale, but Fintokei does run separate limited promotions from time to time (its support centre documents past buy-one-get-one offers and seasonal deals), so check what is live at checkout. At $100,000 the code brings the ProTrader challenge from $549 to $439.20 and the $5,000 entry from $49 to $39.20. Prices are charged in whichever account currency you select - USD, EUR, CZK or JPY - so the discount applies to that currency's list price rather than to a converted dollar figure.
Pros & Cons
Pros
- Payouts are auto-approved in seconds, not reviewed for days - the fastest mechanism of any firm on this site
- Walletory wallet-to-wallet payouts up to $10,000 land within seconds; everything else within one business day
- Your account is not frozen while a payout processes - you keep trading
- Fintokei covers the withdrawal fees rather than deducting them from your reward
- A real, published Trustpilot rating of 4.3 from 1,340 reviews, with 92% of negative reviews answered
- Static maximum drawdown on every program - there is no trailing drawdown anywhere
- ProTrader Swing measures the daily limit on balance, not equity, so floating losses do not breach it
- No time limit at all on ProTrader and ProTrader Swing
- Up to three free trial accounts before you spend anything
- Free retake of the challenge if you end a phase in profit without breaching
- News trading, weekend holding and overnight holding allowed on every program
- Backed by the established Purple Trading group and a named CEO, with payout statistics published openly
Cons
- US residents and citizens are excluded outright, alongside India, Russia and twelve other countries
- Third-party EAs are banned - only automation you built and control yourself is permitted
- Copy trading is prohibited entirely, including mirroring your own accounts at another firm
- No single trade may risk more than 3% of the account, on every program
- SwiftTrader's limits are severe: a 2% daily loss and a 3% maximum loss
- SwiftTrader also caps daily profit at 3% and requires 3% profit before any payout
- StartTrader caps daily profit at 0.8%, 1.2% and 2.4% across its three phases
- The 80% base split only reaches 100% by grinding XP through six loyalty tiers
- Payouts are on a 14-day cycle - there is no on-demand option
- Fintokei is explicitly not regulated and states so plainly
- One profile per person, enforced across registrations and KYC
Evaluation Process
Fintokei has a clear, multi-phase evaluation process. Here's what to expect:
ProTrader - the flagship
Two phases at 8% then 6%, running $5,000 to $400,000 with 100:1 leverage on forex. The daily loss limit is 5% and the maximum loss 10%, both static against your starting balance and both calculated on equity. Three minimum trading days per phase, none of which need to be profitable, and no time limit whatsoever. No daily profit cap. Inactivity breaches after 31 days. The funded stage starts at an 80% performance reward ratio.
ProTrader Swing - for overnight positions
The same 8% and 6% targets and the same 5% daily and 10% maximum loss as ProTrader, with one change that matters more than the price difference: the daily limit is calculated from balance rather than equity, so a floating loss on an open position cannot breach it overnight. Leverage drops to 25:1 on forex in exchange. No time limit, three minimum trading days, 80% starting split. This is the program to buy if you hold through the daily reset.
SwiftTrader - one phase, 90% split
A single 6% phase with a 60-day limit and the highest starting split on the site at 90%, running to $200,000 at 25:1 leverage. The trade-off is severe risk parameters: a 2% daily loss limit and a 3% maximum loss, plus a 3% daily profit cap during the evaluation. It also carries its own payout gate - you must make at least 3% profit on the initial balance before a reward can be requested, which on a $200,000 account means $6,000.
StartTrader - three gentle phases
Built for beginners: three phases at 2%, 3% and 6%, with a 3% daily loss limit and a 6% maximum loss, 180 days allowed per phase and 25:1 leverage. Daily profit is deliberately capped at 0.8%, 1.2% and 2.4% across the three phases to discourage all-in trading. Sizes run $5,000 to $100,000 and the performance reward ratio sits on a 50-100% scale. The inactivity period is 30 days.
Funded Stage & Payouts
The funded account keeps the same static drawdown as the evaluation. Payouts run on a 14-day cycle from your last processed payout or first trade, with all positions closed and KYC approved. Requests are auto-approved in seconds and the account is not frozen; Walletory wallet-to-wallet transfers up to $10,000 arrive within seconds, and bank wires, crypto and larger amounts within one business day, with Fintokei covering the fees. The minimum is $100 or currency equivalent. The loyalty program then raises the split by up to 20 points, the loss limits by up to 2%, and the capital on new accounts by up to 25%.
Company Background
Fintokei trades as Fintokei a.s., a Czech joint-stock company, and brands itself openly as part of the Purple Trading group - the header on every page reads "Fintokei by Purple". It launched in 2023 and its CEO, David Varga, is named on the site, describing the firm as an automation of trader evaluation work the group had been doing manually for fifteen years. It sits on four platforms - TradingView, MetaTrader 5, MetaTrader 4 and cTrader - bills in USD, EUR, CZK or JPY, and runs localised sites in Czech, Italian, Japanese and Korean, which tells you where its customer base is. Fintokei is explicit that it is not regulated, and gives the reason: it provides no regulated investment services, collects no client deposits and executes nothing in the real market, since every account is a simulated environment fed by real depth-of-market data from regulated liquidity providers. It publishes its own payout statistics - an average payout of $3,881, a highest single payout of $129,032 and an average payout time of 3 hours 4 minutes - and a live feed of recent trader payouts, most in the €1,500 to €15,000 range.
Is Fintokei Legit?
Fintokei is the most conventionally credible firm we have added recently, and the simplest evidence is the one three other firms this month could not offer: a Trustpilot profile that still has a rating on it. 4.3 from 1,340 reviews, claimed since January 2024, with the company answering 92% of negative reviews. It is an invited-review profile, which lifts any average, but it is readable - and after reporting three consecutive suspended ratings, that is worth saying plainly. Behind it sits a Czech joint-stock company inside the Purple Trading group, a named CEO, four platforms, four account currencies, localised operations across Europe and Asia, and published payout statistics. The firm is also unusually honest in its own FAQ, stating without hedging that it is not regulated, that trades are not executed in the real market, and that accounts are simulated environments. The risks to weigh are ordinary ones rather than red flags: it is unregulated like the rest of the sector, it is roughly three years old, and its rulebook on automation is stricter than most - third-party EAs and every form of copy trading are banned, and enforcement covers device sharing and IP masking, so a trader running a bought EA could breach without intending to.
Fintokei Payout Proof: How Traders Actually Get Paid
Fintokei publishes more payout detail than most and the mechanism is genuinely different rather than a faster version of the same queue. Since 4 August 2025 it has run Instant Payouts: the request is auto-approved in seconds - the firm's fastest recorded approval is 2.8 seconds, most take 10 to 20 - the amount is deducted while the account stays active so you can keep trading, and Walletory wallet-to-wallet transfers up to $10,000 reach your wallet within seconds. Bank wires, crypto and Walletory amounts above the limit are sent within one business day. Fintokei covers the withdrawal fees. Its published statistics put the average payout at $3,881, the highest at $129,032 and the average payout time at 3 hours 4 minutes, alongside a live feed of recent trader payouts. Those figures are self-reported and not independently audited, but the underlying claim - approval in seconds with no account freeze - is a structural change to the payout process rather than a marketing number, and the Trustpilot reviews consistently single out payout speed as what the firm does well.
How to Pass Fintokei's Challenge
Choose the program before you choose the size, because the four here differ far more than the price gaps suggest. If you hold positions overnight, ProTrader Swing is worth its premium for one reason: its daily limit is measured on balance rather than equity, so a floating loss cannot breach you while you sleep - on standard ProTrader the same trade can. If you are new, StartTrader's 2% first phase is a genuinely gentle start, but read the daily profit caps first, because 0.8% a day means a good session gets truncated rather than banked. And treat SwiftTrader with real caution: a 90% split looks like the best deal on the site until you notice the maximum loss is 3%, which is a third of what ProTrader gives you. Once you are trading, the rule most likely to catch you is not the drawdown but the 3% cap on risk per open setup - size every position against that before the daily limit, since it applies on every program and is enforced as a risk-management safeguard rather than a soft guideline. Minimum trading days are three and do not need to be profitable, so there is no reason to force trades. On ProTrader there is no time limit at all, so build the 8% slowly; on SwiftTrader you have 60 days and on StartTrader 180 per phase. Finally, spend nothing until you have used a free trial account - Fintokei gives up to three - and if you finish a phase in profit without breaching, remember the retake is free.
Common Mistakes to Avoid
- ⚠Buying from the United States, India or Russia. The restricted list is enforced at KYC, and masking your IP is itself a prohibited practice.
- ⚠Running a bought or free third-party EA. Only automation you built and configure yourself is permitted.
- ⚠Copying trades from a signal group, a mentor or your own account at another firm. All of it counts as prohibited copy trading.
- ⚠Buying SwiftTrader for the 90% split without reading the 3% maximum loss - a third of ProTrader's buffer.
- ⚠Forgetting SwiftTrader's payout gate. You need 3% profit on the initial balance first, which is $6,000 on a $200,000 account.
- ⚠Holding overnight on standard ProTrader. Its daily limit is measured on equity - ProTrader Swing is the version that measures on balance.
- ⚠Sizing a setup above 3% risk. That limit applies on every program, separately from the daily loss limit.
- ⚠Expecting the loyalty capital boost to apply to the account you are already trading. It lands on newly purchased or activated accounts.
- ⚠Planning around an on-demand payout. Approval takes seconds, but the cycle is still 14 days from your last payout or first trade.
- ⚠Paying for a challenge before using a free trial. Up to three are available at no cost.
How Fintokei Compares
Fintokei vs FTMO: FTMO is bigger, has an NFA-regulated US route through OANDA and refunds its 2-Step fee, but it pays in about eight hours on a 14-day cycle against Fintokei's approval in seconds and wallet transfer in seconds. If you are outside the US and payout friction is your complaint, Fintokei wins that comparison; if you are inside it, FTMO is the only one of the two available to you. Fintokei vs Hola Prime: both are fast payers with strong evidence, but Hola Prime has a Deloitte audit and accepts US clients, while Fintokei has no mandatory stop loss, no 2% risk-per-idea rule and no consistency rule - the freer firm to trade at, for a narrower audience. Fintokei vs BrightFunded: both are European, both have no consistency rule, but Fintokei pays its base 80% without an add-on purchase, pays in seconds rather than after a 30-day wait, and has a Trustpilot rating you can read, where BrightFunded's is suspended. Fintokei vs The5ers: The5ers is the closer match on swing-trading freedom and cheap entry, but Fintokei's payout mechanism and its balance-based Swing program are more useful to a genuine position trader. The summary: if you are eligible, Fintokei is one of the better-run forex firms on this site - buy ProTrader Swing if you hold overnight, ProTrader if you do not, and treat SwiftTrader as the specialist product it is.
Who Is Fintokei Perfect For?
Payout-Speed Traders
Approval in seconds, wallet transfers in seconds up to $10,000, no account freeze, and the firm pays the transfer fees.
Swing & Position Traders
ProTrader Swing measures the daily limit on balance instead of equity, so a floating overnight loss cannot breach the account.
Static-Drawdown Traders
Every Fintokei program fixes the maximum loss against your starting balance - there is no trailing drawdown anywhere on the site.
Beginners
StartTrader's three phases start at a 2% target, and up to three free trial accounts let you test everything before paying.
European & Asian Traders
Billing in USD, EUR, CZK or JPY and localised sites in Czech, Italian, Japanese and Korean - the firm is built for these markets.
Is Fintokei Right for You?
✓ Best For
Fintokei suits traders whose main complaint about prop firms is the payout process. Nothing else on this site approves a request in seconds and pays a wallet within seconds while leaving the account open to keep trading, and the firm absorbs the transfer fee rather than netting it off. It suits swing traders specifically, through ProTrader Swing, where the daily limit is calculated on balance instead of equity - meaning an open position underwater overnight cannot breach it, which is a structural fix rather than a permission. It suits traders who want a static floor, since no Fintokei program uses a trailing drawdown. It suits beginners, through StartTrader's three gentle phases and the up-to-three free trial accounts that cost nothing to try. And it suits anyone who wants to check a firm's public reputation before buying, because here there is actually a rating to read.
✗ Not Best For
Skip Fintokei entirely if you are in the United States, India, Russia or any of the other restricted countries - the exclusion is enforced at KYC and IP masking is itself a prohibited practice. Skip it if your edge is a bought Expert Advisor or a signal group, because third-party EAs and every form of copy trading are banned, down to mirroring your own account at another broker. Skip SwiftTrader unless you are genuinely conservative: a 2% daily and 3% maximum loss leaves very little room, and the 3%-profit payout gate means $6,000 on a $200,000 account before you see anything. Skip it if you want money on demand, since payouts run on a fixed 14-day cycle no matter how fast the approval is. And do not buy expecting a 100% split soon - the base is 80% and the route to 100% is six loyalty tiers of XP, not a checkout box.
Frequently Asked Questions
Is Fintokei legit?
Yes, and it is better documented than most. Fintokei a.s. is a Czech joint-stock company operating under the Purple Trading group, with a named CEO in David Varga, offices it lists openly and payout statistics published on its own site - an average payout of $3,881, a highest payout of $129,032 and an average payout time of 3 hours 4 minutes. More usefully, its Trustpilot profile is intact and public: 4.3 from 1,340 reviews, claimed since January 2024, with the company replying to 92% of negative reviews. That is worth stating plainly because three other firms we reviewed this month have had their Trustpilot ratings suspended for guidelines breaches, so a readable score is not something to take for granted. Two honest caveats. Fintokei invites its customers to review it, which lifts any Trustpilot average. And the firm states clearly that it is not regulated, because it provides no regulated investment services, holds no client deposits and executes nothing in the real market - all accounts are simulated. That is standard for the sector, but it means your protection is the firm's own policy rather than a regulator.
How fast does Fintokei pay?
This is the firm's strongest feature and the claim is unusually specific. Since August 2025 Fintokei has run what it calls Instant Payouts: you request with one click, the request is automatically approved within seconds rather than queued for manual review - the firm's fastest recorded approval is 2.8 seconds and most land in 10 to 20 - and crucially your account stays active while it processes, so there is no freeze and no waiting to resume trading. If you take the Walletory wallet-to-wallet method, anything up to $10,000 is transferred within seconds. Bank wires, crypto withdrawals and Walletory amounts above $10,000 go out within one business day. Fintokei covers the transfer fees itself. The constraint is the cycle rather than the speed: you can request once 14 days have passed since your last processed payout or since your first trade, with all positions closed, and KYC approved. The minimum is $100 (or €100, 2,000 CZK, 20,000 JPY), rising to $120 on the $400,000 ProTrader plan. SwiftTrader is the exception - it needs 3% profit on your initial balance before any payout can be requested.
What is the Fintokei profit split?
It depends on the program and it is not a paid upgrade. ProTrader and ProTrader Swing start at 80%, SwiftTrader starts at 90%, and StartTrader runs on a 50-100% scale. The route above those numbers is the loyalty program rather than a checkout add-on: you earn XP by trading and completing missions, and moving through six tiers unlocks a permanent performance reward increase of 5%, 10%, 15% and finally 20% - so a ProTrader account can reach 100%. The same tiers also unlock free challenges, a daily loss limit increase up to 2%, a maximum loss limit increase up to 2%, and up to 25% higher virtual capital on newly activated accounts. It is a grind rather than a purchase, which is unusual: most firms in this price bracket sell the higher split at checkout.
What is Fintokei's drawdown?
Static on every program, which is the single most trader-friendly thing about the rulebook - there is no trailing drawdown anywhere at Fintokei. ProTrader runs a 5% daily loss limit and a 10% maximum loss in each phase, both fixed against the starting balance and both calculated on equity. ProTrader Swing keeps those numbers but calculates the daily limit from balance rather than equity, which is the whole point of the program: an open position sitting underwater does not count toward your daily limit, so you can genuinely hold overnight and through the weekend. StartTrader tightens to 3% daily and 6% maximum, and SwiftTrader is by far the strictest at 2% daily and 3% maximum. On top of all of them sits a rule that applies everywhere: no single setup may risk more than 3% of the account at once, which Fintokei describes as a safeguard against one-shot gambling.
Does Fintokei accept US traders?
No. This is the clearest reason to look elsewhere if you are American. Fintokei does not provide services to residents or citizens of the United States, Afghanistan, Belarus, Cuba, India, Iran, Iraq, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela or Yemen, and it separately lists Bangladesh, China, Pakistan and Vietnam as temporarily restricted. The exclusion is enforced through KYC, so it is not something a VPN works around - Fintokei also treats connecting from multiple countries or masking your IP as a prohibited practice in its own right. All clients must be 18 or over, and anyone with a criminal financial record or on a sanctions list is refused.
What is the difference between Fintokei's four programs?
ProTrader is the flagship: two phases at 8% then 6%, a 5% daily and 10% maximum loss on equity, 100:1 leverage on forex, no time limit at all, three minimum trading days, an 80% starting split and account sizes to $400,000. ProTrader Swing is the same challenge with two changes - the daily limit is calculated on balance instead of equity so floating losses do not breach it, and leverage drops to 25:1. It costs more, and it is the one to buy if you hold positions overnight. SwiftTrader is a single 6% phase with a 90% split and a 60-day limit, but the risk parameters are severe: 2% daily, 3% maximum loss, a 3% daily profit cap and a requirement to make 3% profit before any payout. StartTrader is the beginner route - three phases at 2%, 3% and 6%, a 3% daily and 6% maximum loss, 180 days per phase, and daily profit caps of 0.8%, 1.2% and 2.4% designed to stop new traders from swinging for the fences.
Are EAs and copy trading allowed at Fintokei?
Only in a narrow form, and this is stricter than most competitors. Fintokei permits automation you built and control yourself, and bans third-party EAs outright - including free and commercial ones that are profitable, if you did not create them or configure them individually. Copy trading is prohibited entirely: copying a signal provider, another trader, a Telegram or Discord channel, a mentor or a colleague; using trade mirroring or copier tools to follow a master account; running the same or a similar strategy as someone else; even copying reversed or opposite trades from your own account at a different prop firm or broker. Sharing a device between customers and connecting from multiple countries or masked IPs are also listed as prohibited practices. If your edge is a bought EA or a signal group, this is the wrong firm.
What can I trade at Fintokei?
Forex pairs, CFD metals including gold and silver, energies including WTI, Brent and natural gas, CFD indices, and crypto CFDs on Bitcoin, Ethereum, Cardano, Dogecoin and others. Note that one FAQ answer on Fintokei's own payouts page still says crypto is not offered, which is out of date - the support centre publishes a full crypto CFD instrument list with spreads and order sizes. Leverage is set per program and per asset: ProTrader gets 100:1 on forex, 50:1 on indices and 100:1 on gold and silver, while SwiftTrader, StartTrader and ProTrader Swing all run 25:1 on forex and 20:1 on indices. Crypto is capped at 2:1 on Bitcoin and 1:1 on everything else regardless of program. Markets are open 24/5; weekend trading is not available, though holding a position through the weekend is.
What happens if I fail a Fintokei challenge?
You buy a new one, with one genuinely useful exception. If you were trading a ProTrader or StartTrader evaluation phase, did not breach any rule, and your account is in profit, you can retake the challenge from the beginning for free - which covers the case where you simply ran out of momentum rather than blowing the account. Otherwise the account closes and you purchase again, though Fintokei says it emails a discount code for the next attempt. A new ProTrader or StartTrader account always restarts at Phase 1. Before you spend anything at all, note that up to three free trial accounts are available, which is the cheapest way to find out whether the platform and the rules suit you.
Does Fintokei have a consistency rule?
Not in the usual sense - there is no rule that caps how much of your total profit a single day may represent, which is the mechanism that delays withdrawals at many competitors. What Fintokei has instead are daily profit caps on two of its four programs, and they work differently: SwiftTrader caps daily profit at 3%, and StartTrader caps it at 0.8%, 1.2% and 2.4% across its three phases. ProTrader and ProTrader Swing have no daily profit cap at all. Minimum trading days are three on every program, with no requirement that those days be profitable and no minimum profit per day. The inactivity period is 31 days on ProTrader, ProTrader Swing and SwiftTrader, and 30 on StartTrader.
How does the Fintokei loyalty program work?
It replaced the old scaling plan in January 2026, and it is now the only route to a larger account or a better split. You earn XP by buying challenges, passing phases and completing missions - a ProTrader purchase is worth 25 to 400 XP, passing Phase 1 is 200 and Phase 2 is 150 - and XP never expires. Six tiers run from 0 to 30,000 XP, and each unlocks permanent boosts: a free challenge (from a $5,000 StartTrader at Tier 2 up to a $100,000 ProTrader at Tier 6), a performance reward increase of 5% to 20%, daily and maximum loss limit increases up to 2%, and a virtual capital boost of 5% to 25%. The capital boost applies only to newly purchased or activated accounts, not retroactively to one you are already trading - each new challenge still starts at the original capital and the increase lands once you pass.
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