Trust & Reliability
Editorial Summary
FundingTraders Account Sizes, Challenge Types, Fees, and Minimum Access Cost
FundingTraders is a prop-trading-style firm offering simulated trading programs. Its current public lineup includes Instant Funded, 2-Step Pro10, 2-Step Pro6, and 1-Step Pro accounts. The company’s terms state that FundingTraders is not a broker, does not accept deposits, and provides simulated trading services; its risk disclosure also says simulated results do not represent actual trading.
This review focuses on what each account gives access to, the minimum amount shown to access it, and the main rules that separate each challenge type.
Quick Verdict
FundingTraders offers a wide range of account sizes, starting from $5,000 on the evaluation accounts and going up to $400,000 on Instant Funded. The lowest price currently shown on the public pricing table is $25 for a $5,000 2-Step Pro6 account, based on the discounted price displayed on the site. The lowest Instant Funded option shown is $103 for a $10,000 account, while the largest account shown is $400,000 Instant Funded for $1,175 at the displayed discounted price.
The main strength is variety: traders can choose a lower-cost 2-step route, a faster 1-step route, or direct Instant Funded access. The main weakness is that the rules are strict, especially around drawdown, consistency, news trading, risk per trade, and payout eligibility.
1. Instant Funded Accounts
The Instant Funded program is the direct-access option. There is no profit target and no normal challenge phase listed on the homepage pricing cards. FundingTraders shows Instant Funded accounts with a 3% daily loss limit, 6% max loss, 1% risk per trade, 15% consistency score, 90%–100% profit split, and a 14-day payout schedule.
| Instant Funded account size | Standard price shown | Discounted / minimum shown | Account size accessed |
|---|---|---|---|
| $10,000 | $159 | $103 | $10,000 |
| $25,000 | $289 | $188 | $25,000 |
| $50,000 | $449 | $292 | $50,000 |
| $100,000 | $679 | $340 | $100,000 |
| $200,000 | $1,349 | $675 | $200,000 |
| $400,000 | $2,349 | $1,175 | $400,000 |
Minimum required for Instant Funded: $103, which gives access to a $10,000 Instant Funded account.
Instant Funded summary
This option is best understood as the fastest-access product because there is no challenge profit target listed. However, it has tighter risk rules. FundingTraders’ terms list Instant Funded as having a 3% daily drawdown, a 6% trailing drawdown until 3% profit is reached, and a 1% floating PnL risk limit. Instant Funded also has a 15% consistency score, meaning the biggest trading day must not exceed 15% of total PnL for payout eligibility.
2. 2-Step Pro10 Challenge
The 2-Step Pro10 challenge is a two-phase evaluation with higher drawdown room than Pro6. FundingTraders lists the profit target as 10% in Phase 1 and 5% in Phase 2. The homepage pricing cards show a 5% daily loss, 10% max loss, 4 minimum trading days, 2% risk per trade in the funded phase only, and 80%–100% profit split.
| 2-Step Pro10 account size | Standard price shown | Discounted / minimum shown | Account size accessed |
|---|---|---|---|
| $5,000 | $59 | $38 | $5,000 |
| $10,000 | $99 | $64 | $10,000 |
| $25,000 | $199 | $129 | $25,000 |
| $50,000 | $299 | $194 | $50,000 |
| $100,000 | $539 | $270 | $100,000 |
| $200,000 | $999 | $500 | $200,000 |
Minimum required for 2-Step Pro10: $38, which gives access to a $5,000 account.
2-Step Pro10 summary
Pro10 is the higher-risk, higher-room 2-step version. The trader has to complete two phases: first a 10% target, then a 5% target. The maximum loss is 10% fixed from the initial account balance, and the daily loss is 5% of the starting day’s equity or balance.
3. 2-Step Pro6 Challenge
The 2-Step Pro6 challenge is the cheaper and stricter two-phase model. It has a lower profit target than Pro10 but also tighter loss limits. FundingTraders lists 6% Phase 1 and 6% Phase 2 profit targets, with 3% daily loss, 6% max loss, 4 minimum trading days, and 80%–100% profit split.
| 2-Step Pro6 account size | Standard price shown | Discounted / minimum shown | Account size accessed |
|---|---|---|---|
| $5,000 | $39 | $25 | $5,000 |
| $10,000 | $59 | $38 | $10,000 |
| $25,000 | $119 | $77 | $25,000 |
| $50,000 | $229 | $149 | $50,000 |
| $100,000 | $419 | $210 | $100,000 |
| $200,000 | $799 | $400 | $200,000 |
Minimum required for 2-Step Pro6: $25, which gives access to a $5,000 account. This is the lowest minimum cost I found on FundingTraders’ current public pricing table.
2-Step Pro6 summary
Pro6 is cheaper than Pro10 but less forgiving. The profit target is 6% in Phase 1 and 6% in Phase 2, while the maximum loss is only 6%. FundingTraders’ Help Center says Pro6’s max loss is fixed and does not trail higher when the account is in profit.
4. 1-Step Pro Challenge
The 1-Step Pro challenge is the faster evaluation route because there is only one challenge phase. FundingTraders lists a 10% profit target, 3% daily loss, 10% max loss, 50% consistency score, 2% risk per trade, 90%–100% profit split, and a 14-day payout schedule on the pricing table.
| 1-Step Pro account size | Standard price shown | Discounted / minimum shown | Account size accessed |
|---|---|---|---|
| $5,000 | $49 | $32 | $5,000 |
| $10,000 | $90 | $59 | $10,000 |
| $25,000 | $199 | $129 | $25,000 |
| $50,000 | $299 | $194 | $50,000 |
| $100,000 | $539 | $270 | $100,000 |
| $200,000 | $999 | $500 | $200,000 |
Minimum required for 1-Step Pro: $32, which gives access to a $5,000 account.
1-Step Pro summary
The 1-Step Pro model is simpler than the two-step challenges because it only requires one profit target. However, the rules are not automatically easier. The max drawdown is listed in the terms as 10% fixed from the highest recorded balance, which is stricter than a simple fixed drawdown from the starting balance. The biggest trading day must also stay at or below 50% of total PnL for payout eligibility.
One detail to verify before purchase: the homepage pricing cards show 4 minimum trading days, while FundingTraders’ newer 1-Step Pro Help Center article says the 1-Step Pro evaluation has a minimum of 2 trading days in Phase 1 and 2 days in the funded phase.
Overall Minimum Cost by Challenge Type
| Challenge type | Smallest account shown | Lowest price shown | Account size accessed |
|---|---|---|---|
| Instant Funded | $10,000 | $103 | $10,000 |
| 2-Step Pro10 | $5,000 | $38 | $5,000 |
| 2-Step Pro6 | $5,000 | $25 | $5,000 |
| 1-Step Pro | $5,000 | $32 | $5,000 |
The cheapest overall access point shown is 2-Step Pro6 at $25 for a $5,000 account. The cheapest 1-step route shown is $32 for a $5,000 account. The cheapest Instant Funded route shown is $103 for a $10,000 account.
Largest Account Sizes Available
| Challenge type | Largest account shown | Lowest displayed price for that size |
|---|---|---|
| Instant Funded | $400,000 | $1,175 |
| 2-Step Pro10 | $200,000 | $500 |
| 2-Step Pro6 | $200,000 | $400 |
| 1-Step Pro | $200,000 | $500 |
Instant Funded offers the biggest single account size on the homepage: $400,000. The evaluation accounts — 2-Step Pro10, 2-Step Pro6, and 1-Step Pro — go up to $200,000 in the public pricing table.
Main Rules to Know Before Comparing Accounts
Profit targets
FundingTraders’ terms list the profit targets as follows: 1-Step Pro: 10%, 2-Step Pro6: 6% + 6%, 2-Step Pro10: 10% + 5%, and Instant Funded: not applicable because payout eligibility is tied to profitable days and compliance rather than passing a challenge target.
Drawdown and risk rules
The hard breach rules are important. Pro6 has a 3% daily drawdown and 6% fixed max drawdown. Pro10 has a 5% daily drawdown and 10% fixed max drawdown. 1-Step Pro has a 3% daily drawdown and 10% max drawdown from the highest recorded balance. Instant Funded has a 3% daily drawdown, 6% trailing drawdown until 3% profit, and a 1% floating PnL risk limit.
Profit split and payouts
FundingTraders’ terms list the default profit split as 80% for 2-Step Pro6 and Pro10, 90% for 1-Step Pro, and 90% for Instant Funded, with add-ons available to raise some accounts to 100%. The standard payout schedule is every 21 days for 2-Step and 1-Step accounts, with a 14-day add-on, while Instant Funded is every 14 days.
News and weekend rules
For 2-Step and 1-Step accounts, news trading is allowed during the challenge phase, but funded accounts have conditions: news-influenced profits must not exceed 30% of total PnL, and trades opened, held, or closed within 5 minutes before or after high-impact news can be treated as news trades. Instant Funded accounts have stricter news rules and cannot trade 10 minutes before or after high-impact news. Weekend holding is allowed for 2-Step and 1-Step accounts, but Instant Funded accounts must close trades before the Friday market close.
Refund rules
FundingTraders’ terms say users can cancel within 14 days only if they have not started using the service by opening the first trade. For evaluation fee refunds, the terms say successful traders may be eligible after completing the second payout on a funded account, subject to compliance.
Strengths
FundingTraders’ strongest feature is the number of options. The 2-Step Pro6 account is very low-cost at the smallest size, while Pro10 gives more drawdown room. The 1-Step Pro account is simpler because it only has one evaluation phase. Instant Funded provides direct access without a normal challenge target.
Another strength is that the pricing table clearly shows the account size and the fee side by side. This makes it easier to compare what account size you get access to for each payment amount.
Weaknesses and Risks
The main weakness is the strict rule structure. A cheap account does not mean easy access to payouts. Traders still have to stay within daily drawdown, max drawdown, risk-per-trade, consistency, news, and inactivity rules.
The second weakness is that some public pages show small wording differences. For example, the 1-Step Pro pricing card shows 4 minimum trading days, while the newer Help Center article says 2 minimum trading days for Phase 1. That kind of difference means the final checkout/dashboard rules should be checked carefully before relying on any public summary.
The third risk is that this is simulated prop-firm trading, not a normal brokerage account or a cash account. FundingTraders says it is not a broker, does not accept deposits, and simulated performance does not represent actual trading.
Final Review
FundingTraders offers four main routes:
Instant Funded is the fastest-access option, starting at $103 for a $10,000 account and going up to $1,175 for a $400,000 account.
2-Step Pro10 is the more flexible two-step evaluation, starting at $38 for a $5,000 account and going up to $500 for a $200,000 account.
2-Step Pro6 is the cheapest entry route, starting at $25 for a $5,000 account and going up to $400 for a $200,000 account.
1-Step Pro is the faster one-phase evaluation, starting at $32 for a $5,000 account and going up to $500 for a $200,000 account.
Overall, the lowest minimum required to access a FundingTraders account is currently $25, which gives access to the $5,000 2-Step Pro6 account. The biggest account size shown is $400,000 Instant Funded, currently displayed at $1,175. The best value depends on whether someone wants the cheapest entry point, the simplest challenge, more drawdown room, or instant access — but the account rules matter more than the headline account size.