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Fintokei is a Czech-based proprietary trading firm founded in 2023 and headquartered in Brno, operating under the Purple fintech group. It provides simulated funded accounts from €1,000 up to €400,000 across forex, indices, metals, and energies — with a scaling path to ten times the initial funding. No personal capital is put at risk in the markets.
What sets Fintokei apart is its three structurally distinct programs — a beginner-friendly 3-phase StartTrader, a flagship 2-phase ProTrader, and a 1-step SwiftTrader for experienced traders — all on no-time-limit evaluations with TradingView integration and a gamified Loyalty Program for scaling. With $15M+ in verified payouts, a first-in-industry Instant Payout feature launched in August 2025, and support for MT4, MT5, and cTrader, it has built a credible and well-rounded proposition for forex and CFD traders globally.
Fintokei's flagship ProTrader is a 2-phase evaluation requiring an 8% profit target in Phase 1 and a 5% target in Phase 2, with a minimum of 3 profitable days per phase and no time limit. The SwiftTrader compresses this to a single 10% target with a trailing maximum loss — the fastest path to funded status. All programs enforce a 5% daily loss limit and a 10% maximum overall loss, with an additional 3% maximum risk cap on open trades at any time.
Two rules catch traders off-guard at Fintokei. First, the 3% maximum risk on open trades applies at all times — across all positions combined. Running multiple simultaneous trades can breach this limit faster than expected. Second, SwiftTrader uses a trailing drawdown that tracks your equity high watermark, meaning open profits raise the drawdown floor before they are realised. Some traders have also reported a 0.5%–1% daily profit cap triggered by what Fintokei deems aggressive trading behaviour. Read the sustainability policy carefully before sizing up on either program.
Fintokei offers one of the broadest account ranges in the CFD prop space — from €1,000 up to €400,000 across three programs. Pricing is competitive: the ProTrader entry starts at €99 for a €10K account, and evaluation fees are fully refundable on successful completion. A 20% discount is available with code NEW20 at checkout.
The table below reflects the ProTrader 2-phase evaluation — the flagship program and the most popular choice for experienced traders. StartTrader (3-phase, conservative targets) and SwiftTrader (1-phase, trailing drawdown, 100% split) carry different structures and fee levels. Check fintokei.com for current pricing as fees can vary by currency and add-ons.
| Account Size | Phase 1 Target | Phase 2 Target | Max Loss | Daily Limit |
|---|---|---|---|---|
| €10,000 | €800 (8%) | €500 (5%) | €1,000 (10%) | €500 (5%) |
| €25,000 | €2,000 (8%) | €1,250 (5%) | €2,500 (10%) | €1,250 (5%) |
| €50,000 | €4,000 (8%) | €2,500 (5%) | €5,000 (10%) | €2,500 (5%) |
| €100,000 | €8,000 (8%) | €5,000 (5%) | €10,000 (10%) | €5,000 (5%) |
| €200,000 | €16,000 (8%) | €10,000 (5%) | €20,000 (10%) | €10,000 (5%) |
Once a trader completes the evaluation, the account moves to the funded (virtually live) stage where real payouts begin. ProTrader funded accounts offer a profit split of 80% to 95% depending on account size and scaling tier. SwiftTrader starts at 100% split — though SwiftTrader's higher entry fee and tighter trailing drawdown mean traders must weigh that headline number against the structural cost.
As of August 2025, Fintokei became the first FX/CFD prop firm to offer Instant Payouts — processed with one click and delivered within 1 business day. Scaling is driven by a gamified Loyalty Program (XP-based) that replaced the old rigid scaling rules in January 2026, giving traders more control over their growth path. Evaluation fees are fully refunded on successfully completing the ProTrader challenge.
Fintokei supports four platforms — MT4, MT5, cTrader, and TradingView. The TradingView integration via cTrader is a genuine differentiator: traders can execute directly from TradingView charts without a separate order management window, which is rare at the prop firm level. All four platforms carry identical conditions with no pricing, leverage, or rule differences between them. Custom EAs are permitted; commercial third-party bots are not. Note that USA and India residents are among the restricted jurisdictions — check the full restricted countries list before purchasing.
Fintokei is one of the most thoughtfully structured prop firms in the CFD space heading into 2026. The three-program lineup genuinely serves different experience levels, TradingView integration is a real technical advantage over most competitors, Instant Payouts set a new industry benchmark for speed, and the refundable ProTrader fee makes entry relatively low-risk for disciplined traders.
The rules that demand the most attention before trading are the 3% combined open trade risk cap and SwiftTrader's trailing drawdown. Both can catch experienced traders off-guard if not actively monitored. Choose ProTrader if a static drawdown and a multi-phase structure suits your strategy. Choose SwiftTrader if speed to funded status is the priority and you can manage trailing drawdown risk carefully. Either way, Fintokei is a firm that rewards the disciplined and prepared.
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