Audacity Capital is a UK-based forex prop firm that sells evaluations through three funding routes: the two-step Ability Challenge, the one-step Ability One, and the Funded Trader Program (FTP), its instant funding product. All three come in the same six sizes, from $5,000 to $200,000, and cost the same at each size. The real differences sit in the drawdown limits, the consistency rules, the profit split ceiling and how withdrawals unlock, so the choice of program matters more than the choice of account size. The Ability Challenge is the most forgiving route, with no deadline and no consistency rule. Ability One saves a phase but has tight loss limits. FTP skips the evaluation and charges no commission, but starts at a lower split with a strict consistency rule. Across all three, a broad list of prohibited strategies and a strict news window are the main breach risks.
Who operates Audacity Capital
The firm trades under the Audacity Capital name from audacity.capital, where audacitycapital.co.uk now redirects, and says it was founded in 2012. Trading runs on CFDs through MetaTrader 5 and DXtrade. Available markets are forex, indices, gold and other commodities, and crypto.
Audacity Capital reports $250 million in total payouts. That figure is published by the firm itself and has not been independently verified. Among firms that publish a payout total, it places Audacity Capital tenth. On Trustpilot, the firm’s 1,055 reviews split sharply: 73% are five-star and 12% are one-star, with comparatively few in between.
The three funding routes
Ability Challenge (two-step)
The Ability Challenge is a two-phase evaluation:
- Profit target: 10% / 5%
- Daily loss limit: 7.5% / 5%
- Maximum loss: 15% / 10% static
- Minimum trading days: 4 days / 4 days
- Time limit: unlimited
- Consistency rule: none
- Profit split: up to 90%, paid bi-weekly once funded
Two features stand out: no consistency rule and no deadline. A trader who reaches the target in one strong session still has to log the minimum trading days, but does not need to spread profits evenly across them.
Ability One (one-step)
Ability One compresses the evaluation into a single phase, and its loss limits are much tighter:
- Profit target: 10%
- Daily loss limit: 3%
- Maximum loss: 6% static
- Minimum trading days: 3
- Consistency rule: 50%, applied at the Live stage only
- Profit split: up to 90%
Ability One asks for the same 10% gain as the first Ability Challenge phase but allows only 6% total drawdown, against 15% on the two-step. On a $100,000 account, a static 6% limit means equity cannot fall below $94,000, assuming “static” means the limit is measured from the starting balance and does not trail profits. A 3% daily limit means a $3,000 loss in one day ends the account.
The 50% consistency rule applies only once the account reaches the Live stage, not during the evaluation. Under rules of this type, a single day’s profit cannot exceed the stated share of total profit when a payout is requested.
FTP (instant funding)
The Funded Trader Program skips the evaluation. The trader buys an account and starts trading it as a funded account. The conditions differ from the Ability programs:
- Withdrawals unlock at 10% profit: no payout can be requested until the account is up 10%.
- Daily loss limit: 5%
- Maximum loss: 10%
- Minimum trading days: 5, of which 3 must be profitable
- Consistency rule: 35%
- Profit split: up to 80%, with the starting split depending on account stage and how fast the target was reached
The 10% threshold works like an evaluation target traded on a funded account: until it is reached, no profit leaves the account. The 35% consistency rule is also the strictest of the three programs.
Costs, commissions and discount codes
Prices are identical across the three programs at each size. List prices run from $49 for a $5,000 account to $1,049 for a $200,000 account, all one-time fees. The code NOW20 gave 20% off as of November 8, 2026. Promo codes change often, so the discount applied at checkout sets the real cost.
Trading costs differ by program:
- Ability One and Ability Challenge: $6 commission per lot, round trip (one charge covering both opening and closing the position, not $6 on each side).
- FTP: no commission.
The commission difference matters for active traders. As a hypothetical example, 50 round-trip lots in a month on an Ability account costs $300 in commission, and the same volume on FTP costs nothing in commission. Spreads still apply on every program.
Leverage by program
Leverage is set by asset class and is lower on instant funding:
| Asset | FTP (Instant) | Ability One (1-Step) | Ability Challenge (2-Step) |
|---|---|---|---|
| Forex | 1:30 | 1:100 | 1:100 |
| Metals | 1:30 | 1:50 | 1:50 |
| Indices | 1:30 | 1:100 | 1:100 |
| Energy | 1:60 | 1:25 | 1:25 |
| Crypto | 1:2 | 1:2 | 1:2 |
At 1:30, a $100,000 FTP account can control about $3 million in forex notional; at 1:100, an Ability account can control about $10 million. In practice the drawdown limits bind long before margin does. Crypto at 1:2 across all programs makes crypto positions capital-heavy.
Trading rules most likely to cause a breach
Most Audacity Capital rules apply to all three programs. Several are hard breaches, meaning a single violation can end the account.
The three-minute news window
Traders may hold positions through news and trade on news days. The restriction covers timing: within 3 minutes before or after any high-impact news release or speech, traders must not open, close or add to positions on the affected instruments. Take-profit and stop-loss fills count as closing, so a stop that triggers inside the window is a breach even without manual action. This applies to all three programs, and a violation is a hard breach.
The rule is broader for the Federal Reserve. All FOMC events (meetings, statements, press conferences, speeches and related releases) are treated as major news whatever impact rating an economic calendar gives them. A low-impact Fed speaker still triggers the window on affected instruments.
The two-minute rule and scalping
Scalping is allowed, but trades closed within two minutes or less are prohibited, as are trades resembling arbitrage. These can lead to action from the firm’s Risk Team.
EAs, VPS, VPN and copy trading
- Expert advisors are allowed if self-managed and compliant with the prohibited-strategy rules. EAs sourced from third-party signals are banned.
- VPS use is permitted for running EAs, as long as it does not cause server abuse.
- VPN use is generally prohibited because of IP tracking and server misuse concerns, unless the firm approves a valid justification.
- Copy trading is allowed between a trader’s own Audacity Capital accounts, and from an external account only if it belongs to the trader. Copying a third party is not permitted. The firm also partners with Prop Firm One, a tool for copying trades across accounts at different prop firms.
Prohibited strategies
The following practices are prohibited:
- High-frequency trading and tick scalping
- Hedging within or across accounts, and group hedging or coordinated trading
- Martingale, averaging down, grid trading and dollar-cost averaging
- Third-party EAs, third-party account management, and copy trading or signal mirroring from others
- Pre-news one-sided positioning
- Exploiting technical or system vulnerabilities
- Uncritical directional trading
- Automated bulk trade execution
- Lot size misuse
Two items deserve attention. Averaging down and dollar-cost averaging are both prohibited, so adding to a losing position is restricted even when done manually. And although the firm says any lot size can be opened, “lot size misuse” is also prohibited, so the absence of a hard cap does not make every position size acceptable. Terms such as “lot size misuse” and “uncritical directional trading” are not defined precisely, which leaves their application to the Risk Team’s judgment.
Inactivity
Ability accounts at all stages and FTP accounts carry a six-month inactivity period. If no trade is placed within that time, the account is breached.
Payouts and profit splits
Funded payouts are bi-weekly, and the firm reports processing the same day once a request is approved. Withdrawals can be made by credit and debit card, PayPal, SEPA, SWIFT, Rise, local payment methods and crypto.
The headline split is a ceiling, not a starting point:
Ability One: the split starts at 75%. It rises to 85% once generated profit reaches 10% or more, and to 90% with consistent performance and adherence to the scaling plan.
Ability Challenge: 75% on profits below 10%, 85% on profits above 10% made within 30 days, and 90% on profits above 10% after the account has scaled twice.
FTP: for the $5,000 account, the split depends on the account’s stage and how fast the 10% target was hit:
| FTP $5K stage | Over 30 days to 10% | Under 30 days to 10% |
|---|---|---|
| Stages 1 to 5 | 50% | 60% |
| Stages 6 to 8 | 60% | 70% |
| Stages 9 to 10 | 70% | 80% |
The 80% maximum on FTP is only available at the highest stages. A new $5,000 FTP trader who takes longer than 30 days to make 10% keeps half the profit: as a hypothetical example, $250 of a $500 gain. A trader on an Ability account below 10% profit keeps 75%, or $375 on the same gain.
Scaling
Ability Challenge and Ability One: to qualify, an account must show at least 2.5% profit per month for three consecutive months. Accounts are reviewed every three months, and the trader must make at least one withdrawal in that period. After meeting the criteria, the trader submits a withdrawal request. Once it is reviewed and approved, the account balance doubles. Repeated scaling can take an account up to $2 million.
FTP: the account doubles each time the 10% profit target is hit, with no timeframe attached.
The two systems reward different behavior. Ability scaling rewards steady monthly returns over a full quarter: a trader who makes 8% in one month and nothing in the next two does not qualify, even though the total exceeds 7.5%. FTP scaling rewards reaching 10% however long it takes. Because the Ability Challenge’s 90% split requires two scaling events, it is at least six months away.
Strengths and trade-offs
Where Audacity Capital is strong:
- Three formats at one price let a trader pick a structure without paying more for it.
- No consistency rule and no time limit on the Ability Challenge evaluation.
- Commission-free FTP trading lowers costs for high-volume traders.
- A defined scaling path to $2 million, doubling at each step.
- A wide range of withdrawal methods, including bank transfer, PayPal, Rise and crypto.
Where it costs the trader:
- Ability One’s 3% daily and 6% maximum loss are tight for a 10% target.
- FTP’s split starts as low as 50%, and its 35% consistency rule is strict.
- The news window catches pending orders, including stop and target fills, and covers all FOMC events.
- The prohibited list is broad, covering common techniques such as averaging down, grid and hedging.
- The two-minute minimum hold rules out very short scalps.
- Crypto leverage of 1:2 limits position sizing for crypto-focused traders.
How we checked Audacity Capital
We visited Audacity Capital on 13 November 2026, connecting from Tallinn, Estonia. Typing audacitycapital.co.uk sent us straight to audacity.capital, which is where the brand now lives. On the homepage we scrolled to the footer, then opened About Us, the Terms of Use and the Funded Trader Program page. The footer is dense. It says AudaCity International FZCO, registered under license DSO-FZCO 38282 in Dubai, acts solely as a payment facilitator, and that all trading-related activities are operated through AudaCity Global LTD (Registration Number: 15850), licensed under the International Brokerage and Clearing House Licence (L15850/WL) issued by the Union of Comoros, with a registered office in Anjouan. It also lists a UK office at 25 Cabot Square, London, and a partnership with Propmetry Limited (Company Number: HE469039).
Prices on the funding page carried a 35% discount against the list price. The $5K account read $32 against $49, and the $100K account read $357 against $549. We clicked the $5K pay button and landed on a checkout page at trade.audacity.capital with prices already showing. No sign-up wall appeared before that page loaded. We went no further and paid nothing. The rule pages backed up much of this review: a 3-minute news window, an unlimited trading period, and a challenge fee the site says is eligible for a 100% refund with the first qualifying payout. Its getting-started guide says KYC is mandatory only when you request a profit withdrawal.
Registers were a gap. None that we can query covers the Comoros licence or the companies named above, so we ran no register lookup. We read Trustpilot on 13 November 2026, where the firm scored 3.4/5 from 1,055 reviews, with 73% five-star and 12% one-star. The company had replied to none of the 8 newest. The Wayback Machine’s first capture of audacitycapital.co.uk dates from 2014-03-30, shortly after the domain’s registration on 2014-01-20. That record says nothing either way about the 2012 founding date the site claims.
Some things we simply could not confirm. These include the current status of the Comoros licence, the exact role of Propmetry Limited, and the $250M+ payout figure. For now, those rest on the firm’s own word.
Who Audacity Capital may suit
Based on its rules, the Ability Challenge fits forex and index traders who want a two-step evaluation with no deadline or consistency requirement and are willing to build toward the higher split through quarterly scaling. Ability One fits traders who manage risk tightly enough to work within a 6% total limit and want a single phase. FTP fits traders who prefer to skip an evaluation and accept a lower starting split and a consistency rule in exchange, especially those trading large volume, where the lack of commission matters.
The firm is a poorer fit for strategies built on sub-two-minute holds, grids, martingale, hedging, or trading the minutes around scheduled releases. It also suits futures traders poorly, since all trading here is CFD-based; they can start with the best futures prop firms.
Alternatives
| Provider | Score | Fee | Split | Payouts | |
|---|---|---|---|---|---|
| 5.6/10 | $782 | — | Daily Payouts | Review | |
| 6.3/10 | $627 | Up to 100% | Bi-Weekly | Review | |
| 6.6/10 | $239 | 90%, up to 100% | Every 14 days | Review |