FundYourFX (sometimes written Fund Your FX) is a forex and crypto prop firm operated by FYFX Capital Limited, a company registered in Hong Kong SAR China. It has been running since 2021. It sells four funding routes: an instant funded account, a one-step evaluation, a lower-fee “Pay After Pass” one-step evaluation, and a two-step evaluation. It also offers a Growth Plan that scales funded accounts over time.
None of its programs sets a time limit. The firm advertises no consistency rule, and several accounts use a static maximum loss. The trade-off is a set of execution and payout conditions that matter more than the headline terms: a reported minimum trade duration, a deadline for placing stop-losses, a cap on how much of a payout any single day’s profit can represent, and a list of banned strategies. Those conditions decide whether this firm fits a given trading style, and most of this review is about them.
Who operates FundYourFX
The legal entity behind the brand is FYFX Capital Limited, based in Hong Kong SAR China. The firm was founded in 2021, so it has about five years of operating history. That is long enough to have a record of paid and disputed payouts, but short next to the oldest names in the industry.
One detail stands out in the eligibility terms. Hong Kong is on the firm’s restricted-countries list, alongside North Korea and Iran. Residents of the jurisdiction where the operating company sits cannot buy an account.
Like other evaluation-model prop firms, FundYourFX is not a regulated broker or investment manager in the sense a retail brokerage is. A trader pays a fee for access to a simulated or firm-controlled account under the firm’s rules, and payouts depend on the firm honoring its own terms. The firm reports $42.1M+ paid in rewards, a figure that comes from the firm and has not been independently verified.
The four programs and what each one asks
FundYourFX offers 22 configurations across account sizes from $5K to $200K. The terms below are tied to the program they belong to, because the limits and payout schedules differ between them.
Instant Funding Classic
Instant Funding Classic skips the evaluation. The trader buys a funded account directly, in sizes from $5K to $800K. Every size has a 4% daily loss limit and a 6% static maximum loss. The program requires a minimum of 6 trading days. Payouts are weekly, and the profit split range is 50 to 95%.
The 50 to 95% split is the widest range of any program here. A trader-written summary of the firm mentions add-ons on instant accounts that let buyers customize the profit split and the maximum loss limit. A configurable split would explain a range that wide. Where a specific account lands within it depends on the options chosen at purchase and on scaling, so the bottom of the range is the figure to plan around until the configuration is fixed.
The firm’s announcements also mention an “Instant Funded Prime” program, whose FAQ was updated with six account sizes and regular prices. Prime is a separate program, and the Classic terms above do not apply to it.
1-Step Evaluation
The 1-Step Evaluation asks for a 10% profit target with a 4% daily loss limit and a 6% maximum loss, in sizes from $5K to $200K. There is no time limit and no minimum day count. The funded account pays an 80 to 95% profit split, with a payout frequency of 24 hours.
The ratio here is demanding. The target is larger than the total loss allowance: a trader has to make 10% while never drawing down more than 6% from the reference level.
Pay After Pass
Pay After Pass is a one-step evaluation in four sizes, from $25K to $200K. It carries a 12% profit target, a 4% daily loss limit and a 6% static maximum loss, with a 70 to 95% profit split. The upfront fee is far lower than any other program at the same size. The name indicates a further payment once the trader passes, so the low entry fee is not the full price.
The structure moves cost from the start of the process to the end. A trader who fails pays only the small entry fee. A trader who passes pays more. The 12% target is the highest of any evaluation the firm runs, and the floor on the split (70%) is lower than on the standard evaluations (80%).
2-Step Evaluation
The 2-Step Evaluation splits the target across two phases: 8% in Phase 1 and 5% in Phase 2. It carries a 4% daily loss limit and an 8% maximum loss, with sizes from $5K to $200K, an 80 to 95% split and a payout frequency of 24 hours.
This is the most conventional program in the lineup. Its total loss allowance (8%) is the largest of the four, and each individual phase target is smaller than the one-step targets. The cost is time: two phases have to be completed before funding.
Growth Plan and scaling
FundYourFX’s Growth Plan scales funded accounts after every three payouts, up to a ceiling of $6,000,000, according to the firm’s announcement. The scaling step is tied to payouts rather than to a calendar interval. A trader who withdraws regularly reaches each review faster than one who lets profits sit. The 95% top of every split range is described as reachable through scaling and program tier. A newly funded trader should therefore expect to start nearer the bottom of the range.
What it costs
Prices are usually shown as a discounted figure next to a regular price, and discounts change. The regular prices are the better basis for comparing programs, because the relationships between them hold even when a promotion runs.
At regular prices, the gap between instant funding and evaluation is large. A $100K Instant Funding Classic account costs $1,599. A $100K 1-Step Evaluation costs $470, and a $100K 2-Step costs $570. Instant funding costs roughly three times as much as an evaluation of the same size. The extra money buys immediate access to a funded account with a static 6% floor, a weekly payout schedule and no pass condition.
Between the two standard evaluations, the 2-Step costs somewhat more than the 1-Step at each size. In return it allows 8% total loss instead of 6% and smaller targets per phase.
Pay After Pass has by far the lowest entry fee: $56 at the $100K size, at regular price. Its true cost depends on the post-pass payment described above.
How the loss limits work
Every FundYourFX program uses two loss limits: a 4% daily loss limit and a maximum loss of 6% or 8%, depending on program. Breaching either ends the account.
The difference between static and trailing maximum loss is where FundYourFX differs most from many competitors, on its static accounts. A static maximum loss is measured from the starting balance and does not move.
Take a hypothetical $100K Instant Funding Classic account with its 6% static maximum loss. The floor sits at $94,000. If the trader grows the account to $106,000, the floor is still $94,000, so the distance to the floor is now $12,000. Under a trailing model the floor would follow the account’s high point upward, and the cushion would stay close to $6,000 no matter how much profit had been made.
Static drawdown rewards early profit. Once a trader is up, they have more room before a breach. The flip side applies at the start. On day one, the full 6% is all there is, and a few bad trades on a fresh account consume it as fast as under any other model.
The daily limit works differently and does not grow with profits. On the hypothetical $100K account, 4% is $4,000 of loss within a single day. Prop firms measure the daily limit from different reference points: some use the day’s opening balance, some the higher of balance and equity, and some include open floating losses. That choice decides whether an open losing position can trigger a breach before it is closed, which matters to anyone who holds trades through volatility.
For the 2-Step, the same arithmetic on a hypothetical $50K account gives a $4,000 Phase 1 target (8%), a $2,500 Phase 2 target (5%), a $2,000 daily loss allowance (4%) and a $4,000 total loss allowance (8%). If the 8% is measured from the initial balance, the floor is $46,000.
Trading rules and prohibited strategies
The broad trading permissions are:
- Expert advisors are allowed.
- News trading is allowed.
- Weekend holding is allowed.
- Copy trading is not allowed.
- High-frequency trading is not allowed.
Prohibited practices are HFT, arbitrage, grid trading, martingale, tick scalping, and copying other traders or signals.
Each of these permissions has a qualifier, according to a third-party summary of the firm’s terms:
- EAs: the permission does not extend to commercial third-party EAs. A self-built or private algorithm sits differently from an off-the-shelf bot bought from a vendor. A trader planning to run a purchased EA should treat it as prohibited unless the firm confirms otherwise.
- News trading: news straddling (also called news bracketing) is prohibited. Straddling means placing pending orders on both sides of price ahead of a release to catch the spike in either direction. Trading around news is fine. Bracketing a release with opposing orders is not.
- Weekend holding: overnight and weekend holding are described as generally permitted. That suits swing traders, but weekend gaps can move price straight through a stop. On a static 6% account, a single gap can do serious damage to the remaining cushion.
Two execution rules appear in that same summary and matter more to short-term traders than anything else in the rulebook:
- Minimum trade duration of 60 seconds. Trades held for less than a minute are reportedly flagged as an HFT breach. This effectively rules out very short scalping, even by traders who do not think of themselves as high-frequency. It also explains why tick scalping appears on the prohibited list.
- Stop-loss within 3 minutes. A stop-loss must reportedly be set within three minutes of opening a trade. Traders who enter first and decide on a stop later, or who manage risk with mental stops, would need to change their routine. Several trader reviews mention this rule by name, which suggests it is enforced as a working condition rather than buried in fine print.
Payouts: split, timing and the 25% day cap
Payouts go out by bank transfer or crypto. The firm reports a 24-hour processing time. That figure comes from the firm and describes how quickly it says it handles requests once they are approved.
Payout frequency depends on the program:
| Program | Payout frequency | Profit split |
|---|---|---|
| Instant Funding Classic | Weekly | 50 to 95% |
| 1-Step Evaluation | 24 hours | 80 to 95% |
| Pay After Pass | 24 hours | 70 to 95% |
| 2-Step Evaluation | 24 hours | 80 to 95% |
The most important payout condition does not appear in the headline terms. FundYourFX advertises “No Consistency Rule,” and none of its programs carries one. According to a third-party summary, however, the firm enforces a 25% cap per single day: no single day’s profit can exceed 25% of the payout being requested.
A hypothetical example shows how this works. A trader requests a $2,000 payout. Under the cap, no one trading day within that payout can account for more than $500 of profit. If a trader made $1,400 on one strong day and $600 across the rest of the period, the strong day would be well over the cap.
In practice, this works like a consistency rule applied at withdrawal rather than during the evaluation. It matters most to traders whose results come in a few large days, such as those who press size around major news or hold a big winner for one session. A trader whose profits build steadily across many days may never notice it.
Several terms need confirming in the current terms and conditions before buying, because conditions like these are what lead to disputes after a breach. They are: the exact wording of the 60-second minimum hold and the 3-minute stop-loss deadline; the role of the $150 profit target attached to every instant account size, since instant accounts have no evaluation; whether the maximum loss on the 1-Step and 2-Step is static or trailing; the second payment due after passing Pay After Pass; whether the daily limit is measured from the opening balance, from the higher of balance and equity, or including floating losses; whether “24 hours” on the evaluation programs means a payout can be requested daily or only describes turnaround; whether a request that breaches the 25% day cap is reduced, deferred until more trading days dilute the big day, or rejected; and a six-day rule that one trader review links to weekly payouts, which may be a payout-eligibility condition, since no program has minimum trading days.
Platforms, instruments and leverage
FundYourFX runs on MatchTrader and Platform 5, and the site also names TradingView. MT5 is the standard choice for traders who use EAs or custom indicators. Match-Trader is a browser and mobile platform that some prop firms adopted as an alternative to MetaQuotes software.
The firm offers forex and crypto, with leverage of 1:100 across the programs. Several trader reviews mention gold (XAUUSD) and Nasdaq trading, so traders who focus on metals or indices should confirm exactly which symbols are offered on their chosen platform.
FundYourFX is not a futures firm. Traders who want futures contracts on CME products need a different provider.
At 1:100, a $100K account can in principle control up to $10 million of notional exposure. On a 4% daily limit, though, the loss limits bind long before leverage does. In practice, position size is set by the distance to the daily limit and by the 60-second and 3-minute execution rules.
Pips rewards and free accounts
FundYourFX runs a community rewards scheme. Traders earn points the firm calls “pips” through promotional activities and referrals, and the points can be redeemed for free accounts. Several reviews mention it positively, describing it as a way to get into a funded challenge without paying.
It is also the source of one of the more detailed complaints from traders. One trader reports earning the required pips, submitting redemption requests six times, and having each one manually rejected without explanation, with the pips refunded and no account issued. That is a single account of events. It does show that redemption is not automatic and that the firm reviews requests before approving them.
What traders report
FundYourFX has 921 reviews on Trustpilot, and the distribution is sharply split. About two thirds are five-star (604). Close to a quarter are one-star (212). Relatively few fall in between: 75 four-star, 23 three-star and 9 two-star.
Trader experiences are mixed. Positive reviews mention:
- the lack of a consistency rule and the absence of time limits
- the static drawdown on instant accounts
- fast customer support and a dashboard described as easy to navigate
- straightforward onboarding and weekly payout conditions
- the pips rewards scheme
Several reviewers state they have been paid. Many positive reviews are short and general, and a number of them come from people who say they are still exploring the firm or have not started trading. Those reviews describe the website and sign-up, not the payout process.
Critical reviews raise more specific issues:
- the pips redemption complaint described above
- concerns about transparency and payout reliability, with one reviewer pointing to public complaints about delayed or denied payouts and disputes over rule violations
- a view that the drawdown rules are strict, and a comment that the dashboard could be faster
Strengths and trade-offs
The firm’s strongest points are structural:
- No time limits on any program, so a trader is not pressured to force trades before a deadline.
- A static 6% maximum loss on the instant and Pay After Pass accounts, which keeps the floor fixed as profits accumulate.
- An instant funding option for traders who do not want to sit through an evaluation.
- A Pay After Pass entry point with a very low upfront fee.
- Profit splits whose ranges reach 95%, plus a Growth Plan that scales accounts every three payouts up to $6,000,000.
- Two payout methods (bank transfer and crypto), and permission to hold over weekends and trade news.
The trade-offs sit mostly in the rules:
- The 25% single-day cap on payouts restricts traders whose profit is concentrated in a few days, despite the “No Consistency Rule” label.
- The 60-second minimum hold and 3-minute stop-loss deadline constrain scalpers and anyone who manages stops manually.
- Bans on commercial EAs, copy trading, grid, martingale, arbitrage and news straddling remove several common strategies.
- The 1-Step Evaluation’s ratio of a 10% target against a 6% maximum loss is tight, and Pay After Pass raises the target to 12%.
- Split floors of 50% on instant accounts and 70% on Pay After Pass are well below the 95% top figure.
- The rewards scheme depends on manual approval.
- Hong Kong residents are excluded despite the company’s Hong Kong registration.
How we checked FundYourFX
We visited fundyourfx.com on 13 November 2026, connecting from Tallinn, Estonia. Starting on the home page, we scrolled to the footer and then opened the About Us, Terms & Conditions, Affiliate Terms and Growth Plan pages. We also opened the program pages for instant funding and the 1-Step Evaluation, the FAQ articles on trading rules and payouts, and the refund policy. The footer names FYFX Capital Limited with a Hong Kong company number of 75280952-000. A live chat widget was present. We saw no risk warning.
Prices are public. On the Instant Funding page, a 100K Instant Funding Classic account listed at $1,599, with $639.60 shown beside it under the VET60 code. The 100K 1-Step Evaluation Classic listed at $470, and the home page put the 100K 2-Step Classic at $570. Instant Funding Classic carries a 4% daily drawdown and a 6% static maximum drawdown, and the same page states it requires a minimum of 6 trading days. There is also a Profit Balance Rule: total accumulated profit must reach at least 4× the highest-profit trading day before a payout. Clicking “Start Trading” took us to a checkout page on desk.fundyourfx.com with prices already visible. We stopped there. Whether an account is required at a later step, we cannot say.
No register check was run. The footer gives a company number, not a licence held with a register we can query, so we have not independently confirmed the entity. Our read of Trustpilot on 13 November 2026 showed 3.7/5 from 921 reviews, with 65% five-star and 23% one-star, and no company replies to the 8 newest reviews. The Wayback Machine first captured the domain on 2013-07-15, which may predate the current brand if the domain changed hands.
The $42.1M+ paid in rewards and the payout processing time of within 24 hours are the firm’s own claims, and we did not buy an account or request a payout to test them.
Who FundYourFX may suit
FundYourFX fits a forex or crypto trader on MT5 or Match-Trader who holds trades for minutes to days, sets a stop-loss at entry, and builds profit gradually. For that trader, the static drawdown, the lack of time limits and the instant funding option work in their favor, and the execution rules cost little.
Swing traders who hold over weekends are also accommodated, as long as they size for gap risk against a fixed 6% floor.
It is a poor fit for several groups:
- scalpers who close trades within a minute
- traders who rely on purchased EAs, copy trading, grid or martingale systems
- news traders who bracket releases
- traders whose returns arrive in a handful of large days, because of the payout cap
- futures traders
- residents of the restricted countries
Alternatives
| Provider | Score | Fee | Split | Payouts | |
|---|---|---|---|---|---|
| 6.2/10 | $483 | Up to 90% | 14 days | Review | |
| 6.5/10 | $800 | 80% | on-demand | Review | |
| 5.4/10 | $3,699 | 80-90% | On demand | Review |
Sources
- fundyourfx.com/faqs/trading-rules-guide/growth-plan
- helpdesk.fundyourfx.com/en/article/why-does-fundyourfx-have-a-warning-
- fundyourfx.com/growth-plan
- fundyourfx.com/faqs/trading-rules-guide/instant-funded-prime-complete-
- helpdesk.fundyourfx.com/en/article/is-fundyourfx-legit-and-how-does-th
- helpdesk.fundyourfx.com/en/article/how-do-i-apply-for-a-funded-trading