ReviewsAugust 18, 2026Updated August 18, 2026

FunderPro review 2026: pricing, payout rules

FunderPro is a proprietary trading firm that offers a variety of evaluation programs across forex, futures, metals, crypto, stocks, and indices. The $79 Instant Account is notable for its low entry cost and lack of profit targets. However, it comes with a non-refundable fee and strict consistency rules based on daily trading performance. This account may attract traders looking for immediate access to funded accounts without a challenge phase. In contrast, those seeking traditional two-phase evaluations with refundable fees can consider FunderPro's Classic or One Phase programs at higher price points.

Choose FunderPro if you want a low-cost entry to a funded account with flexible evaluation options and support for numerous asset classes.

Quick verdict: is the $79 Instant account worth it?

Best for:

Traders seeking the lowest-cost entry to a funded account
Those who prefer daily payouts instead of bi-weekly settlements
Traders comfortable with consistency rules rather than profit targets
Scalpers and day traders focusing on multiple small wins

Avoid if:

You need a refundable evaluation fee
You prefer a traditional profit target over a consistency requirement
You require Expert Advisor (EA) support, as the Instant program does not allow EAs
You are based in the US, Iran, Syria, or Cuba

Main pros:

Entry cost of just $79 with immediate funded access
No profit target; consistency rule requires a minimum of 0.5% profit on at least five separate trading days
Daily payout frequency
Broad range of tradeable assets including forex, crypto, stocks, indices, metals, and oil
Three platform options: MetaTrader 5, cTrader, and TradeLocker

Main cons:

Non-refundable fee (unlike Classic and One Phase programs)
No Expert Advisors allowed on the Instant program
Consistency rule limits your single best day to 15% of total profit requested
Profit splits are 90%, meaning you retain that percentage after passing

Pricing/rules snapshot:

$100,000 Instant Account: $79 (non-refundable)
Daily drawdown limit: 5%
Maximum drawdown limit: 10%
Profit target: None; replaced with a consistency rule
Minimum trading days: Five separate days with ≥0.5% profit each
Payout frequency: Daily
Profit split: 90%

Last verified: August 18, 2026

Source confidence: Verified against official program data, challenge rules documentation, and platform attributes published by FunderPro.

Pricing and account sizes: from $69 Classic to $1,025 Pro

FunderPro offers six distinct program types, each with various account sizes starting at $69.

Classic Challenge

The two-step Classic evaluation is the most common program. Refundable fees apply to all Classic tiers:

$5,000 Classic: $69 | 10% profit target | Refundable
$10,000 Classic: $80 | 10% profit target | Refundable
$100,000 Classic: $539 | 10% profit target | Refundable
$150,000 Classic: $690 | 10% profit target | Refundable
$200,000 Classic: $890 | 10% profit target | Refundable

All Classic challenges require a 10% profit target across two evaluation phases, and the fee is refunded upon successful completion.

One Phase Challenge

For traders who prefer a single evaluation step, One Phase programs offer lower leverage than Classic but identical profit targets and refundable fees:

$5,000 One Phase: $69 | 10% profit target | Refundable
$150,000 One Phase: $795 | 10% profit target | Refundable
$200,000 One Phase: $995 | 10% profit target | Refundable

Instant Program

The Instant Account bypasses traditional evaluations. For $79, you gain immediate access to a $100,000 account. The fee is non-refundable, and there is no profit target.

Pro Challenge

Targeting experienced traders, the Pro Challenge includes a two-step evaluation:

$200,000 Pro: $1,025 | 10% profit target | Refundable

Daily Rewards Challenge

This two-step program allows for on-demand payouts linked to a consistency rule (45% of profitable days):

$25,000 Daily Rewards: $199.20 | 10% profit target | On-demand payouts
$150,000 Daily Rewards: $655.20 | 10% profit target | On-demand payouts
$200,000 Daily Rewards: $879.20 | 10% profit target | On-demand payouts

All programs except Instant offer refundable fees. You recover your fee if you pass both evaluation phases, while the Instant program does not provide this option.

Evaluation and trading rules: profit targets, consistency, and minimum trading days

Photo: Overview of FunderPro account types and features

FunderPro’s evaluation rules differ by program type. Most programs emphasize profit targets, while the Instant Account uses a consistency model.

Profit Target Programs

Classic, One Phase, Pro, and Daily Rewards challenges require a 10% profit target. Once achieved, you enter Phase 2 (One Phase moves directly to funding). The minimum trading requirement is generally 4 days across these programs, though Daily Rewards allows for only 1 day.

Instant Account Consistency Rule

The Instant program removes the profit target and implements a consistency rule:

Achieve a minimum of 0.5% profit on at least five (5) separate trading days
Your single most profitable trading day cannot exceed 15% of total profit requested for withdrawal
This rule prevents traders from depending on one large win and emphasizes consistent performance

General Trading Permissions

News trading: Allowed
Weekend holding: Allowed
Overnight holding: Allowed
Expert Advisors (EAs): Allowed on Classic, One Phase, Pro, and Daily Rewards; not allowed on Instant
Copy trading: Allowed
Time limit: No time limit (0 days) on challenge phases

The absence of a time limit means you can take as long as necessary to fulfill your program's requirements, as long as you adhere to daily and maximum drawdown constraints.

Drawdown and risk rules: daily and maximum limits across all programs

Photo: Drawdown and risk rules: daily and maximum limits across all programs

All FunderPro programs enforce the same drawdown rules across every account size and challenge type.

Daily Drawdown Limit: 5%
Maximum (Total) Drawdown Limit: 10%

These limits apply to your account balance. A daily drawdown breach occurs if your account loses 5% in a single trading day; a maximum drawdown breach happens if cumulative losses from the peak reach 10%.

Experiencing either limit ends your evaluation immediately. There is no recovery phase or second chance within the same account.

Payouts and profit split: when you get paid and how much you keep

After passing evaluation, your profit split and payout frequency depend on your chosen program.

Profit Split

Standard programs (Classic, One Phase, Pro): You retain 90% of profits; FunderPro takes 10%
Daily Rewards: 90% payout (exact split may vary; some challenges indicate 80%)
Instant: 90% profit split

With a 90/10 split, if you earn $1,000 in profit, you receive $900. This applies only after you complete the program or, in the case of Instant, after you adhere to the consistency rule.

Payout Frequency

Classic and One Phase: Bi-weekly payouts
Instant: Daily payouts
Daily Rewards: On-demand payouts (withdraw for your choice)

You may receive payouts via crypto, e-wallet, withdrawal transfer, or Rise Pay. Payment methods for entering a challenge include crypto, credit card, PayPal, and Skrill.

The daily payout option in the Instant program is unique, allowing withdrawals every day instead of waiting two weeks or requesting manually.

Platforms and instruments: Forex, Futures, Metals, Crypto, Stocks, and Indices

FunderPro facilitates trading across a wide array of asset classes on three established platforms.

Trading Platforms

MetaTrader 5 (MT5)
cTrader
TradeLocker, includes a demo account with $100,000 for testing

Tradeable Assets

Forex
Futures
Metals (such as gold and silver)
Oil
Crypto (Bitcoin, Ethereum, etc.)
Stocks
Indices (US30, DAX, etc.)

Leverage by Asset and Program

Leverage varies by account size and program, with the maximum firm leverage set at 100:1.

Classic and Pro programs typically provide:

Forex: 1:100
Metals, Oil, Indices: 1:30
Crypto: 1:2
Stocks: 1:5

One Phase programs offer lower leverage:

Forex: 1:50
Metals, Oil, Indices: 1:10
Crypto: 1:2
Stocks: 1:3

Typical Spreads (on TradeLocker)

EUR/USD: 0.4-0.5 pips
BTC/USD: 31.5 pips
US30: 0.76 pips
XAU/USD (gold): 4 pips

Spreads may vary on other platforms. Check with FunderPro support for current rates on MT5 and cTrader.

How it compares: FunderPro against FTMO, Aqua Funded, and others

FunderPro holds a middle-ground position in the prop firm landscape. Its $79 Instant Account features one of the lowest entry costs available, though it lacks a refundable fee, this is the trade-off for immediate funding.

Compared to FTMO, which focuses on scaling and account growth, FunderPro's Instant program emphasizes quick access and daily payouts. FTMO has higher fees but provides refundable options and a longer evaluation period.

Aqua Funded caters to swing traders with different leverage and drawdown rules; FunderPro applies a flat 5% daily drawdown and 10% maximum drawdown across all programs.

For detailed comparisons tailored to specific assets, see FunderPro Futures vs GOAT Funded Futures: Which is better?.

If you are evaluating multiple firms, browse the Prop firm directory for side-by-side pricing and rule summaries.

FAQs

Is the $79 Instant Account fee refundable?

No. Unlike Classic, One Phase, and Pro programs, the Instant Account charges a non-refundable fee of $79. This cost is not recoverable if you fail to meet the consistency rule. This setup allows for immediate funded access and daily payouts.

Can I use Expert Advisors (EAs) on the Instant program?

No. The Instant program does not allow EAs. All other FunderPro programs (Classic, One Phase, Pro, Daily Rewards) permit automated trading via EAs.

What happens if I hit the daily 5% drawdown limit?

Your account will be terminated immediately, and your evaluation will end. Recovery or re-entry into the same account is not possible. To try again, you must purchase a new challenge.

How long do I have to complete a challenge?

FunderPro does not impose a time limit on evaluations. You can take as long as necessary to meet your profit target or consistency rule (for Instant), provided you do not exceed daily or maximum drawdown limits.

Which countries are restricted from trading with FunderPro?

Traders from the United States, Iran, Syria, and Cuba cannot open accounts with FunderPro.

How do I withdraw profits on the Instant program?

The Instant program offers daily payouts. Once you meet the consistency rule (0.5% profit on at least five separate days, with no single day exceeding 15% of total profit), you can request withdrawals via crypto, e-wallet, or withdrawal transfer. Payouts are processed daily.