7 Best Swap-Free Prop Firms in 2026 (No Overnight Fees)

A swap-free account removes overnight rollover interest from all open positions. When you hold a forex or CFD trade past the daily rollover time (5 PM EST), a standard account charges or credits a swap based on the interest rate differential between the two currencies. A swap-free account removes that charge entirely.

In practice, this matters most for swing traders. Gold (XAUUSD) can run $5 to $30 or more in swap per standard lot per night on a normal account. Hold it for five days and that eats directly into your drawdown buffer. On a prop account with tight daily loss limits, a surprise triple-swap Wednesday can push you closer to a breach than the market itself did.

Swap-free accounts are also called Islamic accounts because they were built to comply with Sharia finance principles, which prohibit paying or receiving interest (riba). Most prop firms now offer the same account to any trader regardless of religion. You do not need to prove faith to access swap-free trading at the majority of firms on this list.

Every firm on this list was confirmed against its own official help center, product page, or terms of service. We do not use third-party comparison directories. We checked each firm’s primary domain, not review aggregators, because aggregator data goes stale.

Firms were excluded if their own help center said no (PipFarm: “not yet, coming soon”), if a primary source confirmed it was unavailable on challenge accounts (Hola Prime, FXIFY), or if the most recent independent technical audit found no swap-free applied on overnight positions (Goat Funded Trader, per Propvator July 2026).

All seven firms listed below have confirmation from their own official documentation or product pages as of July 2026. Policies change. Confirm the current terms before purchasing.

Funded Trading Plus is the only major prop firm that ships every account (both evaluation and funded) as swap-free without charging extra for it. No add-on to select. No support request. No grace period that expires into an admin fee. You trade, you hold overnight, no rollover interest hits your account.

FT+ made this change earlier in 2026. According to their official blog, the decision was driven by swing trader demand. Hidden carrying costs were eroding performance during multi-day setups. Their stated position is that spreads and commissions stay unchanged from standard accounts. The swap removal does not come out of your profit split or get hidden in wider spreads.

For swing traders specifically, this removes a real friction point. On XAUUSD, which FT+ supports, standard swap can run $8 to $15 per lot per night depending on direction. Over a week-long position, that is $40 to $75 per lot gone before the trade even closes. At FT+, that cost is zero.

FundedNext formalized swap-free across all Stellar CFD models in April 2026, confirmed via their official help center. The mechanism is an add-on you select at checkout. It cannot be added after purchase. The 10% premium covers the overnight holding cost FundedNext absorbs from its liquidity provider.

One practical benefit is protection from daily loss limit breaches. FundedNext’s own help center includes a worked example: a $100K account with a $5,000 daily loss limit holds 1 lot of BTCUSD. The floating loss before swap is $4,970, just under the limit. A $42 swap charge tips the total to $5,012, triggering a breach. With swap-free, that charge never hits.

With $306.9M paid out to 93,000+ traders as of July 2026 and a 24-hour payout guarantee, FundedNext has the deepest independently verified payout history of any firm on this list. That track record matters when choosing where to put challenge fees.

FTMO has offered swap-free accounts on request since before most firms on this list existed. The process involves contacting their support team. The cost and exact conditions are not published on their public FAQ, so you need to ask before buying if the account you want qualifies. FTMO also operates a dedicated Swing account type that removes most overnight restrictions for position-style traders.

On raw trust metrics, FTMO remains the benchmark. It has operated since 2015, paid over $500M to traders, and completed the acquisition of regulated broker OANDA in December 2025, adding regulatory oversight across eight jurisdictions. A 4.8/5 Trustpilot rating from 40,000+ reviews is the highest review volume of any prop firm globally.

The tradeoff is that FTMO’s standard accounts do apply overnight swap. If you need swap-free guaranteed from day one without a support conversation, FT+ or FundedNext are cleaner options. But if you are already trading FTMO and want swap-free activated, it is available. Contact their support.

The5ers publicly states it offers swap-free Islamic accounts across its programs. You access it by contacting their support team via live chat or email at [email protected]. An additional fee applies, though the amount is not listed publicly. Swap-free availability may depend on the account type and instrument list, so confirm the specific program you plan to trade before paying.

The5ers has operated since 2016 and paid out $43M+ to traders, with over $43M verified via Riseworks. The real total is higher since bank wire and crypto payouts are excluded from that figure. The scaling path to $4M and 100% profit split is the most documented long-term structure of any firm on this list.

In 2025, The5ers added cTrader as a platform option alongside MT5, and launched a dedicated Futures program with US trader access. The firm’s High Stakes program allows weekend holding on indices, though high swap on those instruments makes the swap-free option more relevant for traders running multi-day setups on metals or forex pairs.

FundingPips offers a swap-free add-on selectable at checkout on MT5 accounts, covering forex pairs and metals. The add-on applies to both the challenge and funded phases of the same account. It is not available on cTrader or Match-Trader accounts. Use MT5 if swap-free is a priority for you.

Founded in 2022 and based in Dubai, FundingPips has grown rapidly. It offers four challenge models: Zero, 1-Step, 2-Step, and 2-Step Pro. The Hot Seat scaling plan reaches $2M. Bi-weekly payouts are the default, with on-demand options available on some models. The 20% FT discount code makes the add-on cost more manageable relative to base price.

One item to note: weekend holding is temporarily restricted on Master accounts as of mid-2026. If you plan to hold positions over the weekend on your funded account, confirm this policy is still current before buying.

Bright Funded’s own help center confirms the swap-free add-on directly: “We do not charge swap fees for holding trades overnight or over the weekend if you get the ‘Swap-Free Add-On’ at the time of purchasing your Challenge.” The key phrase is “at the time of purchasing.” You must select it during checkout and cannot be added retrospectively.

Founded in 2023 and based in the UAE, Bright Funded has built a reputation for fast payouts and clean rules. The scaling plan has no hard ceiling on allocation, which is unusual. Weekend holding is allowed on all account types. There is no consistency rule. The 15% evaluation profit reward (a bonus added to your next funded account based on evaluation-phase profits) is a genuine differentiator for traders who generate profit during the challenge.

The main gap for this list is that Bright Funded does not publish the swap-free add-on cost on their public pages. You see it at checkout. That is worth noting if you are comparing all-in costs before deciding.

E8 Markets has two swap-free access paths depending on which product you use. The E8PRO v2 product page explicitly states “No overnight financing on positions held through rollover” as a built-in feature. It is swap-free by design with no add-on required. For older E8 accounts (E8 One, Classic, Signature), swap-free is available on request with an extra fee, confirmed by FXEmpire’s direct support contact in 2026.

E8 is a US-based firm (Dallas, TX), which matters if you are a US trader. It operates across forex, crypto, indices, and futures with 250+ instruments. The platform lineup is the widest on this list: MT5, cTrader, Match-Trader, TradeLocker, and Tradovate for futures. The firm has paid out $35M+ to 200,000+ traders.

If you are comparing E8 options specifically for swap-free trading, E8PRO v2 is the cleaner path: built-in, no fee, no support request. If you are already on a different E8 account type and want swap-free added, contact their support team.