Trust & Reliability
Editorial Summary
Funded7 Account Sizes, Challenges, Fees, and Minimum Access Cost
Funded7 is a prop-trading-style evaluation company offering several “challenge” routes: Two Phase, PAYG / Pay as You Grow, Two Phase NEO, One Phase, and Instant Funding. The company markets its programs as a way to trade with simulated/firm capital after meeting rules such as profit targets, daily loss limits, max loss limits, and minimum trading activity.
This review is informational only. Funded7’s own terms state that its services are only available to people who are at least 18 years old, and the company says it does not provide investment advice or licensed investment services.
Quick Verdict
Funded7 offers a wide account-size range, from $5K Instant Funding accounts up to $500K Two Phase / PAYG / Two Phase NEO accounts. The lowest listed original price I found is $119 for the $15K Two Phase account, while the largest standard account listed is $500K, with Two Phase pricing shown by Propinder at $2,749 and PAYG’s full 500K payment breakdown shown by Funded7 at about $2,746.
The main advantage is choice: traders can choose cheaper two-step evaluations, faster one-step evaluations, staged PAYG payments, or Instant Funding. The main drawback is that the rules are strict, and the “account size” is not your deposited money; it is the trading account size you are allowed to operate under Funded7’s rules.
1. Two Phase Challenge
The Two Phase challenge is Funded7’s standard two-step route. Funded7 describes it as a structured evaluation where traders pass two phases before unlocking a funded account. The official comparison page lists these account balances: $15K, $50K, $100K, $250K, and $500K.
Two Phase rules
| Rule | Detail |
|---|---|
| Phases | 2 |
| Account sizes | $15K, $50K, $100K, $250K, $500K |
| Profit target | Phase 1: 8%; Phase 2: 6% |
| Minimum trading days | 3 |
| Minimum closed trades | 10 |
| Max trading period | Unlimited |
| Max daily loss | 5% |
| Max total loss | 10% |
| Loss type | Static |
| Profit split | 80/20 |
| Platforms | MT5, cTrader |
| Minimum withdrawal | $100 |
Funded7’s comparison page lists the Two Phase profit targets as 8% / 6%, with 5% daily loss, 10% max total loss, static drawdown, and an 80/20 split.
Two Phase account sizes and listed prices
| Account size you get access to | Listed original price |
|---|---|
| $15,000 | $119 |
| $50,000 | $359 |
| $100,000 | $599 |
| $250,000 | $1,319 |
| $500,000 | $2,749 |
These prices are from Propinder’s Funded7 listing; Funded7’s own public page also showed the $15K Two Phase account with a $118.80 list-style price in the indexed snippet, so prices may vary slightly depending on checkout, currency, and discounts.
Minimum listed amount for Two Phase: $119 for access to a $15K account.
2. PAYG / Pay as You Grow
PAYG stands for Pay as You Grow. Instead of paying the full challenge fee upfront, Funded7 splits the fee into stages: Phase 1 entry, Phase 2 unlock, and funded activation. Funded7 says PAYG is designed to give access to larger account sizes without committing the full fee upfront.
Funded7’s comparison page lists PAYG account balances as $50K, $100K, $250K, and $500K.
PAYG rules
| Rule | Detail |
|---|---|
| Phases | 2 evaluation phases, paid in stages |
| Account sizes | $50K, $100K, $250K, $500K |
| Profit target | Phase 1: 8%; Phase 2: 6% |
| Minimum trading days | 3 |
| Minimum closed trades | 10 |
| Max trading period | Unlimited |
| Max daily loss | 5% on comparison page; PAYG FAQ section says 4% |
| Max total loss | 10% on comparison page; PAYG FAQ section says 8% |
| Profit split | 80/20 |
| Platform | MT5 |
| Minimum withdrawal | $100 |
There is a small rule inconsistency on Funded7’s public pages: the comparison hub lists PAYG at 5% daily loss and 10% max total loss, while the PAYG page’s FAQ section says 4% max daily loss and 8% max total loss. I would treat the checkout/dashboard rules as the source to verify before any purchase.
PAYG account sizes and staged fees publicly shown
| PAYG account size | Phase 1 entry | Phase 2 payment | Funded activation | Total if fully completed |
|---|---|---|---|---|
| $100,000 | $149.70 | $329.00 | $119.00 | $597.70 |
| $250,000 | $299.00 | $725.00 | $290.00 | $1,314.00 |
| $500,000 | $599.00 | $1,512.00 | $635.00 | $2,746.00 |
Funded7’s PAYG page publicly shows these staged amounts for the $100K, $250K, and $500K PAYG plans.
Minimum publicly shown PAYG entry amount: $149.70 for access to a $100K PAYG Phase 1 account.
Note: Funded7’s comparison hub also lists $50K as a PAYG account size, but I could not verify the $50K PAYG price from the accessible public pricing table.
3. Two Phase NEO
Two Phase NEO is similar to the standard Two Phase challenge but is marketed as a newer model with a payout-scaling mechanic. Funded7 says that when a trader maxes out their monthly payout cap, the cap increases by 1.2x the following month.
Funded7’s official comparison page lists the same account balances as regular Two Phase: $15K, $50K, $100K, $250K, and $500K.
Two Phase NEO rules
| Rule | Detail |
|---|---|
| Phases | 2 |
| Account sizes | $15K, $50K, $100K, $250K, $500K |
| Profit target | Phase 1: 8%; Phase 2: 6% |
| Minimum trading days | 3 |
| Minimum closed trades | 10 |
| Max trading period | Unlimited |
| Max daily loss | 5% |
| Max total loss | 10% |
| Loss type | Static |
| Profit split | 80/20 |
| Platforms | MT5, cTrader |
| Minimum withdrawal | $100 |
Funded7’s comparison hub lists Two Phase NEO with the same headline rules as Two Phase: 8% / 6% targets, 5% daily loss, 10% total loss, static loss type, and 80/20 profit split.
Two Phase NEO account sizes
| Account size you get access to | Publicly listed price status |
|---|---|
| $15,000 | Funded7 indexed snippet showed $118.80 list / $95.04 after WELCOME code |
| $50,000 | Listed as available; full public price not visible in accessible page text |
| $100,000 | Listed as available; full public price not visible in accessible page text |
| $250,000 | Listed as available; full public price not visible in accessible page text |
| $500,000 | Listed as available; full public price not visible in accessible page text |
Minimum verified Two Phase NEO amount: $118.80 list price for access to the $15K account, with the indexed Funded7 snippet showing $95.04 after a WELCOME discount.
4. One Phase Challenge
The One Phase challenge is Funded7’s faster evaluation route. Funded7 describes it as a single-step evaluation where the trader hits one profit target and then moves to the funded account stage.
Funded7’s comparison page lists One Phase account sizes as $15K, $50K, $75K, $100K, and $200K.
One Phase rules
| Rule | Detail |
|---|---|
| Phases | 1 |
| Account sizes | $15K, $50K, $75K, $100K, $200K |
| Profit target | 10% |
| Minimum trading days | 3 |
| Minimum closed trades | 10 |
| Max trading period | Unlimited |
| Max daily loss | 4% |
| Max total loss | 8% |
| Loss type | Trailing |
| Profit split | 50/50 |
| Platforms | MT5, cTrader |
| Minimum withdrawal | $100 |
Funded7’s comparison hub lists One Phase with a 10% target, 4% daily loss, 8% max total loss, trailing drawdown, and 50/50 profit split.
One Phase account sizes and listed prices
| Account size you get access to | Listed original price |
|---|---|
| $15,000 | $275 |
| $50,000 | $456 |
| $75,000 | $564 |
| $100,000 | $627 |
| $200,000 | $1,430 |
These prices come from Propinder’s Funded7 listing.
Minimum listed amount for One Phase: $275 for access to a $15K account.
5. Instant Funding
The Instant Funding account is marketed as a route with no evaluation phase. Funded7’s Instant Funding page says users can skip the evaluation and start trading from day one, while the official comparison page lists available account sizes as $5K, $10K, $25K, $50K, and $75K.
Instant Funding rules
| Rule | Detail |
|---|---|
| Evaluation style | No normal evaluation phase |
| Account sizes | $5K, $10K, $25K, $50K, $75K |
| Profit target shown on comparison hub | Phase 1: 8%; Phase 2: 6% |
| Minimum trading days | 3 |
| Minimum closed trades | 10 |
| Max trading period | Unlimited |
| Max daily loss | 5% |
| Max total loss | 8% |
| Loss type | Trailing |
| Profit split | 50/50 |
| Platforms | MT5, cTrader |
| Minimum withdrawal | $100 |
There is some wording inconsistency here: Funded7’s Instant Funding page markets the program as having no evaluation phase, but the comparison hub still displays “Phase 1: 8% / Phase 2: 6%” in the Instant Funding row. That should be checked directly in the account checkout rules before relying on it.
Instant Funding account sizes and pricing
| Account size you get access to | Public pricing I could verify |
|---|---|
| $5,000 | Funded7 indexed snippet showed $274.80 list / $219.84 after WELCOME code |
| $10,000 | Listed as available; full public price not visible in accessible page text |
| $25,000 | Listed as available; full public price not visible in accessible page text |
| $50,000 | Listed as available; full public price not visible in accessible page text |
| $75,000 | Listed as available; full public price not visible in accessible page text |
Funded7’s own indexed Instant Funding snippet showed the $5K Instant Funding account at $274.80, or $219.84 with the WELCOME discount.
Minimum verified Instant Funding amount: $274.80 list price for access to a $5K account.
Overall Minimum Cost by Challenge Type
| Challenge type | Smallest account size listed | Minimum listed / verified cost | What account size you access |
|---|---|---|---|
| Two Phase | $15K | $119 | $15,000 |
| PAYG | $50K listed, but $100K price verified | $149.70 verified | $100,000 PAYG Phase 1 |
| Two Phase NEO | $15K | $118.80 verified list price | $15,000 |
| One Phase | $15K | $275 | $15,000 |
| Instant Funding | $5K | $274.80 verified list price | $5,000 |
The lowest verified cost I found is $118.80–$119 for the $15K Two Phase / Two Phase NEO style accounts. The lowest verified PAYG entry price is $149.70 for the $100K PAYG Phase 1 account, and the lowest verified Instant Funding price is $274.80 for the $5K Instant Funding account.
Important Risks and Weaknesses
Funded7’s account sizes sound large, but the fee is not a trading deposit and the account size is not money you own. The company states that purchases are final and should not be considered deposits.
The rules can also be strict. A 4%–5% daily loss limit and 8%–10% max loss limit means an account can fail even if the trader only loses a relatively small percentage of the headline account balance. Funded7’s terms say violating evaluation criteria such as daily loss limits, minimum account balance rules, minimum trading days, consistency rules, hedging restrictions, costs, or prohibited trading practices can result in automatic challenge failure.
Funded7 also lists restricted countries, including the United States, Cyprus, Russia, Iran, Iraq, North Korea, Syria, and others.
Final Review
Funded7 has a broad challenge lineup. Two Phase is the most traditional and appears to be the lowest-cost standard route, starting around $119 for a $15K account. One Phase is faster but more expensive and has tighter trailing drawdown rules. PAYG is useful for larger accounts because it splits the payment into stages, with a verified $149.70 entry for the $100K PAYG account. Instant Funding is the direct-access style option, starting with a verified $5K account at $274.80 list price, but it has a smaller profit split and stricter practical risk considerations.
Overall, Funded7’s strongest feature is variety: it offers standard two-step, one-step, staged-payment, and instant-access models. Its biggest downside is complexity: public pages show some differences between challenge-page wording and comparison-table rules, especially around PAYG and Instant Funding. Anyone reviewing the company should verify the final checkout rules, fees, drawdown type, and refund terms directly before making any decision.