By Alex Firdaus · Updated June 2026 · Data checked June 26, 2026
Fintokei Review 2026: Programs, Rules, Payouts and Discount Code
Quick verdict: Fintokei is a broker-backed prop firm founded in 2023 and part of Purple Group, a fintech group operating since 2011. It runs four programs — ProTrader, SwiftTrader, StartTrader, and ProTrader Swing — across accounts from $5,000 to $400,000. Bi-weekly payouts average 3 hours 4 minutes from request to approval. Platforms include TradingView, MetaTrader 5, and cTrader. Trustpilot score is 4.4/5 from 1,160+ reviews as of June 2026. Best for disciplined traders who want broker-backed security and fast payouts.
Use code FT20 for 20% off your first purchase. Repeat traders use FT10 for 10% off.
Table of Contents
Fintokei Overview
Fintokei is a prop firm registered as Fintokei a.s. in Brno, Czech Republic, incorporated in April 2023. It is part of Purple Group, a fintech holding that has been active in financial markets since 2011. Purple Group operates three brokerage firms across Europe and Asia, a venture capital fund, a payment gateway, and a charitable organization. Fintokei uses Purple Trading Seychelles as its broker partner for execution infrastructure and data feeds.
The firm was first launched in Japan and built most of its early business there before expanding into central Europe and globally. Today it offers four evaluation programs and accepts traders from most countries outside of the USA, India, Russia, and a small list of restricted territories. Account currencies include USD, EUR, JPY, and CZK — making it one of the few prop firms that natively supports Japanese yen-denominated accounts.
Fintokei positions itself as an education and evaluation company rather than a traditional prop firm. Traders trade in a virtual environment using real market data from regulated liquidity providers. Payouts come from the firm’s own business model, not from live market positions taken by traders.
Programs and Pricing
Fintokei runs four programs. ProTrader is the main two-step challenge for experienced traders. SwiftTrader is a one-step fast-track with no time limit and 100% performance reward. StartTrader is a three-step beginner program with lower targets and a dynamic payout system. ProTrader Swing is a variant of ProTrader with balance-based (not equity-based) daily loss calculation, designed for swing traders who hold positions for extended periods.
ProTrader — 2-Phase Challenge
| Account Size | Phase 1 Target | Phase 2 Target | Daily Loss | Max Loss | Max Open Risk | Profit Split | Fee |
|---|---|---|---|---|---|---|---|
| $10,000 | 8% | 6% | -5% equity | -10% static | -3% | 80% | $99 |
| $20,000 | 8% | 6% | -5% equity | -10% static | -3% | 80% | $159 |
| $50,000 | 8% | 6% | -5% equity | -10% static | -3% | 80% | $319 |
| $100,000 | 8% | 6% | -5% equity | -10% static | -3% | 80% | $529 |
| $200,000 | 8% | 6% | -5% equity | -10% static | -3% | 80% | $1,149 |
| $400,000 | 8% | 6% | -5% equity | -10% static | -3% | 80% | $2,399 |
Minimum 3 profitable trading days per phase. No maximum time limit, but at least one trade must be opened or closed every 30 days to keep the account active. The daily loss limit is calculated from start-of-day equity (SOD Equity), not the opening balance — this is the equity-based drawdown type.
SwiftTrader — 1-Phase Fast Track
| Account Size | Profit Target | Min Profit per Payout | Daily Loss | Max Loss | Max Open Risk | Performance Reward | Fee |
|---|---|---|---|---|---|---|---|
| $10,000 | 10% | +3% | -3% | -6% | -3% | 100% | $119 |
| $20,000 | 10% | +3% | -3% | -6% | -3% | 100% | $179 |
| $50,000 | 10% | +3% | -3% | -6% | -3% | 100% | $369 |
| $100,000 | 10% | +3% | -3% | -6% | -3% | 100% | $599 |
| $200,000 | 10% | +3% | -3% | -6% | -3% | 100% | $1,299 |
SwiftTrader has no maximum time limit and no mandatory trading days beyond a minimum of 5. On the funded side, you need to show at least +3% profit before each withdrawal. The 100% performance reward applies to all withdrawals under this program.
StartTrader — 3-Phase Beginner
| Account Size | Targets (Ph 1 / 2 / 3) | Time Limit | Daily Loss | Max Loss | Max Open Risk | Performance Reward | Fee |
|---|---|---|---|---|---|---|---|
| $5,000 | 2% / 3% / 6% | Min 3d, max 180d | -3% | -6% | -3% | 50–100% | $44 |
| $20,000 | 2% / 3% / 6% | Min 3d, max 180d | -3% | -6% | -3% | 50–100% | $119 |
| $50,000 | 2% / 3% / 6% | Min 3d, max 180d | -3% | -6% | -3% | 50–100% | $244 |
| $100,000 | 2% / 3% / 6% | Min 3d, max 180d | -3% | -6% | -3% | 50–100% | $419 |
StartTrader uses a Dynamic Performance Reward (DPR) system on the funded account. Your payout percentage is calculated across four metrics: number of trading days, leverage discipline, payout count, and a consistency factor. The DPR resets with each new payout cycle, so each withdrawal starts fresh. The minimum payout threshold is 50% and the maximum is 100%.
Trading Rules and Drawdown
Fintokei’s drawdown varies by program. ProTrader uses equity-based daily loss — the 5% limit resets each day from your start-of-day equity, not your opening balance. This means a winning morning followed by an afternoon loss still counts against the daily limit from that morning’s equity starting point. The 10% maximum loss limit is static and calculated from your starting or scaled balance.
SwiftTrader and StartTrader use a tighter framework: 3% daily loss and 6% maximum loss. The max open risk rule of -3% applies across all programs and all account sizes. No single open position or cluster of positions can exceed 3% of the account at risk simultaneously. This rule is not common at most competitors and is designed to block gambling-style all-in entries.
Leverage
| Asset Class | Max Leverage |
|---|---|
| Forex pairs | 1:100 |
| Gold (XAUUSD) and Silver | 1:100 |
| Indices | 1:50 |
| Energies and other CFDs | 1:20 |
Platforms
Fintokei supports three platforms: TradingView, MetaTrader 5, and cTrader. All three are available across all programs. This combination is uncommon — most prop firms offer MT4/MT5 or cTrader, but few add TradingView to the mix. TradingView support means traders can run their full analysis and execution from within TradingView without switching tools.
MT4 is not listed as a current platform. If you are an MT4-only trader you will need to migrate to MT5, cTrader, or TradingView.
Execution uses real market data and depth-of-market feeds from Purple Trading Seychelles, a regulated STP/ECN broker. Commissions on FX and metals are $6 per round lot. Indices, energies, and crypto carry $0 commission. Spreads on gold have drawn some criticism in trader reviews — if gold is your primary instrument, compare live spreads before committing.
Payouts and Profit Split
Fintokei pays out every 14 calendar days on ProTrader and SwiftTrader. The first payout on ProTrader is available after 14 calendar days from the first trade on the funded account. SwiftTrader requires a minimum +3% profit per payout request. Payouts are on-demand — you request when ready, not on a fixed date.
Approval is fast. Fintokei claims an average of 3 hours 4 minutes from request to approval. E-wallet payouts clear in seconds. Bank wire transfers take 3 to 5 hours after approval. Multiple verified traders on Trustpilot report payout approvals within 1 business day. The highest single payout publicly displayed on their site is $69,896.
Minimum payout amounts: 100 EUR, 100 USD, 2,000 CZK, or 20,000 JPY. All funded accounts are subject to a minimum withdrawal floor — you cannot withdraw fractions below these thresholds.
Profit Split by Program
| Program | Starting Split | Maximum Split | Scale-Up Path |
|---|---|---|---|
| ProTrader | 80% | Scales with account size | 10% profit over 2 consecutive months unlocks next tier |
| SwiftTrader | 100% | 100% | No scale-up needed — 100% from day one |
| StartTrader | 50% | 100% | Dynamic Performance Reward — 4-metric system per cycle |
| ProTrader Swing | 80% | Scales with account | Same as ProTrader |
Payout Methods
| Method | Speed | Notes |
|---|---|---|
| E-wallet | Seconds | Fastest option. Available in addition to wire and crypto. |
| Bank wire transfer | 3–5 hours after approval | SEPA and international wire supported. |
| Cryptocurrency | Varies by blockchain | Crypto payout available. Specific coins — check the Fintokei payouts page for current list. |
Broker Backing: Purple Group
Fintokei’s most important differentiator in a crowded market is its ownership structure. Most prop firms are standalone operations that outsource execution to a third-party broker. If that broker relationship breaks down — as happened with firms like Surgetrader and The Funded Trader — the prop firm loses its infrastructure overnight.
Fintokei does not have that exposure. Purple Group owns the entire stack: the prop firm (Fintokei), the broker (Purple Trading, with entities in Seychelles and Europe), the payment gateway, and a venture capital arm. Purple Trading was one of the early broker partners for FTMO before FTMO built its own brokerage. The group has been operational since 2011.
This is the same structural advantage that FTMO, FXIFY, and Blueberry Funded hold — and it is why broker-backed firms tend to survive market downturns that take out white-label or patchwork prop firms. Fintokei won the “Most Popular Broker-Backed Prop Firm” award from PropFirmMatch in 2025, which recognises this positioning.
The firm also maintains a public payout ledger showing trader names and amounts. The highest payout displayed is $69,896. Average payout in 2025 was $2,649 per trader per cycle.
Fintokei Discount Code
First Purchase — 20% Off
Use this code at checkout for any Fintokei challenge. Applies to first-time purchases on all programs.
Offer: 20% off your first Fintokei challenge. Apply at checkout.
Repeat Purchases — 10% Off
Already traded with Fintokei? Use this code on your next challenge purchase.
Offer: 10% off repeat challenge purchases at Fintokei.
Pros and Cons
Pros
- Broker-backed by Purple Group — no third-party dependency risk
- Three platforms: TradingView, MT5, cTrader
- Average payout approval in 3 hours 4 minutes
- E-wallet payouts in seconds
- Four programs covering beginner through swing and fast-track
- Accounts in USD, EUR, JPY, CZK
- SwiftTrader pays 100% performance reward with no time limit
- News trading and weekend holding allowed on ProTrader
- Loyalty program rewards XP even for failed challenges
- Free 14-day trial available
- 4.4/5 on Trustpilot from 1,160+ reviews
Cons
- Gold spreads wider than some competitors — EURUSD traders have better conditions
- Consistency Rules can be applied to funded accounts after aggressive challenge strategies
- StartTrader 180-day total time limit requires active monitoring
- Tick scalping under 10 seconds is prohibited
- Max open risk of -3% adds a position-sizing constraint not present at many competitors
- MT4 not supported — MT5 only
- USA, India, Russia, and several other countries restricted
Fintokei vs FXIFY, Blueberry Funded and DNA Funded
The most useful comparisons for Fintokei are other broker-backed prop firms. FXIFY is backed by FXPIG and won FundedTrading’s Best Broker-Backed Prop Firm 2026 award. Blueberry Funded runs on Blueberry Markets, an ASIC-regulated broker. DNA Funded is backed by DNA Markets, also ASIC-regulated and based in Melbourne. All four sit in the broker-backed category and are directly comparable on infrastructure reliability.
| Factor | Fintokei | FXIFY | Blueberry Funded | DNA Funded |
|---|---|---|---|---|
| Broker backing | Purple Trading Seychelles (Purple Group, since 2011) | FXPIG (20+ years regulated) | Blueberry Markets (ASIC regulated) | DNA Markets (ASIC regulated, Melbourne) |
| Max account | $400,000 | $400,000 (2-Phase Standard) | Up to $2,000,000 (scaled) | $600,000 (multi-account) |
| 2-Phase Phase 1 target | 8% | 10% (Standard) / 4% (Pro) | 8% (Prime) | 8% (Double Helix) |
| Max daily loss | -5% equity-based (ProTrader) | -4% balance-based (2-Phase Standard) | -4% (Prime) | -5% (2-Phase, accounts from Feb 2026) |
| Max overall loss | -10% static | -10% trailing (Standard) / static (Classic/Pro) | -10% (Prime) | -10% static (Double Helix) |
| Max open risk rule | -3% at all times | None stated | None stated | None stated |
| Consistency rule | None (funded accounts subject to CR if flagged) | None on most programs. 25% on 2-Phase Classic funded stage. | None (Prime) | 40% daily profit distribution limit (from Feb 2026) |
| Profit split (start) | 80% (ProTrader) | 80% (standard) / up to 90% with add-on | 80% (Prime) | 80% / 90% with add-on |
| Payout frequency | Bi-weekly, on demand | On-demand (first payout after any 1 trade); bi-weekly default | Bi-weekly (every 14 days) | 14 days (7 days with paid add-on) |
| Challenge fee refund | Yes — refunded at first payout | Yes — refunded at first payout (1/2/3-Phase) | Yes | No — fee is non-refundable |
| Platforms | TradingView, MT5, cTrader | MT4, MT5, DXtrade, TradingView | MT4, MT5, TradeLocker, DXtrade | MT5, TradeLocker |
| TradingView | Yes | Yes | No | No |
| News trading | Allowed (ProTrader) | Allowed on most programs. Restricted on Instant and Lightning. | Allowed (Prime) | Not within 10 min before/after high-impact events (funded stage) |
| Time limit | None (ProTrader, SwiftTrader) | None on standard programs | None (Prime) | None (1-Phase, 2-Phase). 10 calendar days on Rapid. |
| Free trial | Yes — 14 days | No | Yes | No |
| Account currencies | USD, EUR, JPY, CZK | USD | USD | USD |
Fintokei vs FXIFY
FXIFY won FundedTrading’s Best Broker-Backed Prop Firm 2026 award and is the stronger option if you want on-demand first payouts from any single profitable trade and access to MT4. FXIFY also supports TradingView, putting both firms on equal footing there. Where Fintokei pulls ahead: it refunds the challenge fee at first payout as standard, has no trailing drawdown on the ProTrader program, and offers JPY-denominated accounts — useful for Japanese traders. FXIFY has no -3% max open risk rule, which gives more position-sizing freedom. FXIFY also has more program variety overall, including crypto-specific accounts, which Fintokei does not offer in the same way.
Best for structured, lower-stress challenge passing: Fintokei ProTrader at 8% target with no time limit. Best for fastest possible first payout: FXIFY with on-demand first withdrawal after closing a profitable trade.
Fintokei vs Blueberry Funded
Both are broker-backed, both offer unlimited time on their main programs, both start at 80% profit split. The key split: Fintokei supports TradingView and cTrader natively; Blueberry Funded supports TradeLocker and DXtrade but not TradingView or cTrader. If your platform is TradingView or cTrader, Fintokei wins by default. If you want MT5 or TradeLocker, Blueberry has the advantage. Blueberry Funded’s ASIC-regulated broker backing is a stronger regulatory signal than Purple Trading Seychelles. Blueberry’s Prime program targets 8%/6% vs Fintokei’s 8%/6% — nearly identical on targets and drawdown. Blueberry’s Prime daily loss is 4% vs Fintokei ProTrader’s 5%, giving Fintokei slightly more breathing room per day. Blueberry has no -3% max open risk rule, which is a meaningful difference for larger-lot traders.
Read our full Blueberry Funded review
Fintokei vs DNA Funded
DNA Funded is ASIC-backed via DNA Markets and primarily runs on TradeLocker with 800+ instruments including stock CFDs — a genuine multi-asset advantage Fintokei does not match. Fintokei wins on platforms (TradingView, MT5, cTrader vs DNA’s MT5 and TradeLocker), payout structure (challenge fee refunded vs DNA’s non-refundable fee), and news trading freedom in the funded stage (Fintokei allows it on ProTrader; DNA restricts trades within 10 minutes of high-impact events in the funded stage). DNA Funded’s 40% daily profit distribution limit on payouts from February 2026 accounts is a notable restriction that Fintokei does not have. Fintokei’s ProTrader 10% maximum loss gives the same drawdown room as DNA’s Double Helix, but Fintokei’s daily limit of 5% is slightly tighter than DNA’s 6% (pre-2026 accounts). For traders who want stock CFDs or TradeLocker specifically, DNA Funded is the better pick. For traders who prioritise TradingView and faster payouts without fee loss on a failed challenge, Fintokei is stronger.
Is Fintokei Legit?
Fintokei is a legitimate prop firm. It is incorporated as Fintokei a.s. in the Czech Republic and is part of Purple Group, a fintech group with over 15 years of operating history in brokerage, payments, and venture capital. The firm has paid out multiple six-figure amounts to individual traders — the largest publicly displayed is $69,896 — and maintains an active payout ledger on its website with trader names and amounts.
Its Trustpilot score of 4.4 from 1,160+ reviews as of June 2026 is solid. Negative reviews mostly fall into two categories: traders flagged for aggressive challenge strategies receiving Consistency Rules on funded accounts, and occasional complaints about gold spreads. Fintokei responds to negative reviews publicly and provides context, which is a positive signal for transparency.
TheTrustedProp assigns Fintokei a Trust Score of 85/100 with verified payout records. PropFirmMatch awarded it “Most Popular Broker-Backed Prop Firm” in 2025.
The firm does not offer regulated financial services, hold client deposits, or execute real trades on behalf of traders. All trading is in a virtual environment. This is standard for modern prop firms and does not indicate a problem — it simply means Fintokei is an evaluation and education business, not a licensed broker or investment manager.
Frequently Asked Questions
Is Fintokei legit?
Yes. Fintokei is a legally registered company (Fintokei a.s.) incorporated in Brno, Czech Republic. It is backed by Purple Group, a fintech holding active since 2011, and uses Purple Trading Seychelles as its broker partner. The firm holds a 4.4/5 Trustpilot rating from over 1,160 verified reviews as of June 2026 and maintains a public payout history on its website.
What is Fintokei’s profit split?
ProTrader starts at 80% and can scale up. SwiftTrader pays 100% of profits via the Performance Reward system. StartTrader uses a Dynamic Performance Reward of 50 to 100% based on trading days, leverage control, payout count, and a consistency metric. The ProTrader scale-up path requires 10% profit over two consecutive months to move to the next account tier.
How fast are Fintokei payouts?
Fintokei claims an average payout approval time of 3 hours and 4 minutes. E-wallet payouts arrive within seconds. Bank wire transfers process within 3 to 5 hours after approval. Payouts are available on demand every 14 calendar days. The first ProTrader payout is available 14 calendar days after the first trade on the funded account.
What platforms does Fintokei support?
Fintokei supports TradingView, MetaTrader 5, and cTrader. All three are available on all programs. MT4 is not currently listed as a supported platform. TradingView integration is a notable advantage — most prop firms do not offer it.
Is Fintokei broker-backed?
Yes. Fintokei is part of Purple Group and uses Purple Trading Seychelles as its broker partner. Purple Group has been active in financial markets since 2011 and operates multiple brokerage entities in Europe and Asia alongside a venture capital fund and its own payment gateway.
What is the Fintokei ProTrader program?
ProTrader is Fintokei’s 2-phase challenge for experienced traders. Phase 1 requires 8% profit with a 5% equity-based daily loss limit and 10% static maximum loss. Phase 2 requires 6% profit under the same drawdown rules. Minimum 3 profitable trading days per phase. No maximum time limit. Starting profit split is 80%. Accounts range from $10,000 to $400,000.
Can I trade news on Fintokei?
Yes on ProTrader, ProTrader Swing, and SwiftTrader. News trading is allowed. StartTrader may have more restrictive conditions — check the program-specific rules page on Fintokei’s website before placing news trades on that program.
What does the Fintokei discount code FT20 give you?
FT20 gives 20% off your first Fintokei challenge purchase. For repeat purchases, use FT10 for 10% off. Both codes apply at checkout on the Fintokei website. These are FundedTrading.com exclusive codes.
What is the -3% max open risk rule?
The -3% max open risk rule means no single trade or combined set of open positions can risk more than 3% of the account value at the same time. If your stop loss or unrealised open drawdown across all live trades reaches -3%, no new positions can be opened. This rule applies across all programs and account sizes and is designed to prevent all-in or overleveraged entries.
Can Fintokei apply restrictions to my funded account?
Yes. Fintokei can apply Consistency Rules (CR) to funded accounts if the risk team determines that your challenge trading strategy was overly aggressive. CR can include a daily profit cap and leverage reduction. If CR is applied, Fintokei gives you the option to accept the restrictions and continue trading, or to receive a full refund of your evaluation fees and earned payouts and close the account. This is documented in Trustpilot responses but is not prominently explained in the public rules section.
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