Forex / Firms / Fintokei

Fintokei review: rules, prices and payouts

Czech Republic·Founded 2022·★ 4.3 (1,411)

SwiftTrader payouts approved in seconds at 90%ProTrader 1:100 forex leverage with refundable feeStartTrader now $34 for a single 3% phaseSwiftTrader capped at 2% daily and 3% maximum lossStartTrader rewards capped at $400 in totalUSA and 15 other countries restricted

FromNEW20

$34

From $34

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Rankings are never paid. Disclosure

Cheapest start$34$5K · 1 Step

Profit splitUp to 90%Your share of profits

Daily / max loss2% / 8%equity, static max loss

LeverageUp to 1:100Forex pairs, from 1:25 on some plans

First payout14 daysAfter funding

Trust score

Trustpilot

4.31,411 reviews · 8% one-star

5★77%

4★11%

3★3%

2★1%

1★8%

Average stars per month (Trustpilot). Red points are months under 3.5. Source ↗

Our verdict

Fintokei suits a trader who wants a clean program menu and fast payouts, since ProTrader pairs an 8% then 6% path with 1:100 forex leverage and a refundable fee from $99, while SwiftTrader pays 90% with approvals in seconds. The trade-off is the tight risk room, with SwiftTrader capped at a 2% daily and 3% maximum loss and a 3% daily profit cap, and StartTrader capped at $400 in total rewards. The 14-day payout cycle with a $100 minimum is straightforward, and the October 2026 StartTrader relaunch makes the beginner route cheaper at $34. The restricted list is long, including the USA, so eligibility must be checked first.

What traders likeReviewers describe responsive, helpful supportReviewers find the rules clear and trader-friendlyReviewers report fast, reliable payoutsReviewers like the spreads and trading conditionsReviewers praise the trading platform as easy to use or smooth and reliable to trade on

What traders complain aboutReviewers report funded accounts terminated or banned, often after payouts and without a reason they acceptReviewers report a 1% daily profit and loss restriction or profit cap applied after passing or fundingReviewers say rules were vague or changed after they were fundedReviewers report wide spreads, slippage and stop-loss execution problemsSome reviewers call the firm a scam

True cost to get funded

One-time

$319

ProTrader · no activation

ProTrader is a one-time fee of $319, so the months slider does not change it.

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Summary

Fintokei, founded in the Czech Republic in 2022, offers three programs: the two-phase ProTrader up to $400,000, the one-phase SwiftTrader up to $200,000, and the beginner StartTrader at $5,000 for $34. ProTrader asks for 8% then 6% with a 5% daily loss and 10% maximum loss and pays 80%, while SwiftTrader asks for 6% once with a tight 2% daily and 3% maximum loss and pays 90%. StartTrader asks for 3% once with a 2% daily and 8% maximum loss and pays 80% up to $400 in total. Payouts run every 14 days with a $100 minimum, SwiftTrader payouts are approved in seconds, and leverage reaches 1:100 on forex for ProTrader.

Firm overview

Which trading platforms can you use?MT4, MT5, cTrader, TradingView

How can a trader pay?Credit/Debit CardBank TransferCrypto

How are payouts sent?Bank Transfer · Credit/Debit Card · Crypto

CEO—

Clearing broker for prop program—

Where is the firm based?Czech Republic

Founded2022

Years operating4

Instruments and assets

Example symbolsEURUSDGBPUSDUSDJPYAUDUSDUSDCADEURGBPGBPJPYXAUUSDXAGUSDUS30US500US100GER40USOIL

Leverage

Forex1:100

Indices1:50

Metals1:100

Energy1:20

Commissions

$6 per round lot.

FX $6 per lotExample 1 lot EURUSD costs $6 round trip before spread.

Consistency

EvaluationNo consistency rule on StartTrader from 21 October 2026. SwiftTrader applies a 3% daily profit cap.

Funded accountNo funded consistency rule.

Firm rules

News tradingNews trading is allowed.

Copy tradingCopying trades from other people's signals or having accounts managed by an outside party is prohibited.

InactivityAn account with no trade for 30 days expires.

Challenges

Program	Account	Price	Activation	Target	Max loss	Drawdown	Daily loss	True cost (1 mo) ↓
ProTrader	$10K	$99 once	$0 (Free)	$800	$1,000	Static	5% (equity)	$99	Get
ProTrader	$20K	$159 once	$0 (Free)	$1,600	$2,000	Static	5% (equity)	$159	Get
ProTrader	$50K	$319 once	$0 (Free)	$4,000	$5,000	Static	5% (equity)	$319	Get
ProTrader	$100K	$529 once	$0 (Free)	$8,000	$10,000	Static	5% (equity)	$529	Get
ProTrader	$200K	$1,149 once	$0 (Free)	$16,000	$20,000	Static	5% (equity)	$1,149	Get
ProTrader	$400K	$2,399 once	$0 (Free)	$32,000	$40,000	Static	5% (equity)	$2,399	Get
ProTrader Swing	$100K	$529 once	$0 (Free)	$8,000	$10,000	Static	5% (balance)	$529	Get
SwiftTrader	$10K	$119 once	$0 (Free)	$600	$300	Static	2% (equity)	$119	Get
SwiftTrader	$20K	$179 once	$0 (Free)	$1,200	$600	Static	2% (equity)	$179	Get
SwiftTrader	$50K	$369 once	$0 (Free)	$3,000	$1,500	Static	2% (equity)	$369	Get
SwiftTrader	$100K	$599 once	$0 (Free)	$6,000	$3,000	Static	2% (equity)	$599	Get
SwiftTrader	$200K	$1,099 once	$0 (Free)	$12,000	$6,000	Static	2% (equity)	$1,099	Get
StartTrader	$5K	$34 once	$0 (Free)	$150	$400	Static	2% (equity)	$34	Get

Payouts

Profit split80% to the trader

Minimum payout$100

Restricted countries

Limited countries are temporarily restricted.

Fully restricted (16):

USAIndiaRussiaBelarusNorth KoreaIranMyanmarSyriaYemenCubaVenezuelaSudan+4 more

Limited (4).

VietnamPakistanBangladeshChina

Announcements

October 25, 2026 · ProTrader and SwiftTrader program pages as checkedThe official program pages list ProTrader at 8% then 6% with 1:100 forex leverage and SwiftTrader at 6% with 1:25 forex leverage, plus a COMBOTRADER bundle offer on ProTrader.

October 21, 2026 · StartTrader becomes a single-phase challengeFrom 21 October 2026 the StartTrader challenge is a single phase with a 3% target, 2% daily loss and 8% maximum loss, replacing the older three-phase model, with no consistency rule and no daily profit cap by default.

FAQ

What does a Fintokei challenge cost?ProTrader costs $99 for $10,000, $159 for $20,000, $319 for $50,000, $529 for $100,000, $1,149 for $200,000 and $2,399 for $400,000. SwiftTrader costs $119, $179, $369, $599 and $1,099 for $10,000 to $200,000. StartTrader costs $34 for $5,000.

What are the ProTrader rules?ProTrader is two phases asking for 8% then 6%, with a 5% daily loss measured on end of day equity and a 10% maximum loss, at least 3 trading days per phase and no maximum time limit. ProTrader Swing uses the same targets but measures the daily limit on end of day balance, so open trades do not count against it.

What are the SwiftTrader rules?SwiftTrader is one phase asking for 6% with a 2% daily loss and 3% maximum loss, at least 3 trading days and at most 60 days, a 3% daily profit cap and a 90% performance reward. Each payout needs 3% profit on the starting balance.

What changed on StartTrader in October 2026?From 21 October 2026 StartTrader is a single phase with a 3% target, 2% daily loss and 8% maximum loss, at least 3 trading days and at most 60 days, and only the $5,000 tier was available at launch. There is no consistency rule and no daily profit cap by default, and the performance reward is capped at $400 in total.

What leverage applies?ProTrader offers 1:100 on forex, gold and silver, 1:50 on indices and 1:20 on the rest. SwiftTrader offers 1:25 on forex, gold and silver, 1:20 on indices and 1:10 on the rest.

Can I trade news, hold over weekends and use expert advisors?Yes to all three. News trading is allowed, weekend holding is allowed, and expert advisors are allowed. Copying another person's signals or having an account managed by an outside party is prohibited.

When do payouts happen, and what is the minimum?The first payout comes 14 days after the first trade, then every 14 days, with all positions closed and 3 trading days in the cycle. The minimum withdrawal is $100, rising to $120 on $400,000 plans. SwiftTrader payouts are approved in seconds and sent within 3 to 5 hours.

Which countries are restricted?The firm does not serve residents or citizens of the USA, India, Russia, Belarus, North Korea, Iran, Myanmar, Syria, Yemen, Cuba, Venezuela, Sudan, South Sudan, Afghanistan, Somalia and Iraq. Vietnam, Pakistan, Bangladesh and China are temporarily restricted.

Reddit corner

Public Reddit threads about this firm — titles and short paraphrased themes, not full posts.

r/PropfirmsForum2026-08-19
Is Fintokei worth it? Need reviews
Asker doubts whether online reviews are real and asks about spreads and withdrawals. Replies report crisp execution, a basic dashboard that glitched once, and two or three payouts.
r/propfirm2026-09-26
Is Fintokei Prop Firm Legit?
Asker wants a firm that allows news trading and weekend holding and asks if payouts are denied. A commenter has heard nothing bad but also nothing from users, and suggests other options.

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