Forex / Firms / FXIFY

FXIFY review: rules, prices and payouts

United Kingdom·Founded 2023·★ 4.3 (6,500)

Three Phase from $39 for $5,000Evaluation fee refunded with the first payoutRAW or All-In pricing at checkoutPayouts through Rise onlyEAs need pre-approval on MT5, none on DXtradeSeven plans with different rule sets

FromFUNDED40

$19

From $19

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Rankings are never paid. Disclosure

Cheapest start$19$3K · Instant

Profit splitUp to 80%Your share of profits

Daily / max loss3% / 4%trailing max loss

Leverage1:30Forex pairs

First payoutOn requestAfter funding

Trust score

Trustpilot

4.36,500 reviews · 12% one-star

5★77%

4★7%

3★2%

2★1%

1★12%

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

Our verdict

FXIFY suits an experienced forex trader who wants format choice, with One Phase at $549 for $100,000, Three Phase at $399 for $100,000, instant funding from $69, and a 7-day Lightning route, all on an 80% starting split with evaluation fees refunded at the first payout. The trade-off is complexity: seven plans with different consistency rules, news windows and payout cycles, plus an EA pre-approval step on MT5 and no EA support on DXtrade. Payouts run through Rise only, and the latency-arbitrage rule is the most cited reason for denied payouts in trader reports.

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 dispute latency-arbitrage accusations that led to bans or breachesReviewers report payouts delayed, held or rejectedReviewers report accounts closed or banned after profits, without explanation they acceptReviewers report spread, slippage and platform problemsReviewers report unclear or changing rules (daily loss limit, hard breach, inactivity, trailing)

True cost to get funded

One-time

$379

One Phase · no activation

One Phase is a one-time fee of $379, so the months slider does not change it.

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Summary

FXIFY, founded in 2023, sells One Phase, Two Phase Standard, Two Phase Classic and Three Phase evaluations from $5,000 to $400,000, plus Instant Funding from $1,000 to $100,000 and a 7-day Lightning Challenge to $100,000. The One Phase asks for 10% against a 3% daily limit and a 6% trailing maximum loss, the Two Phase Standard asks for 10% then 5% against a 4% daily limit and a 10% trailing maximum loss, and the Three Phase asks for 5% in each phase against a 5% daily limit and a 5% static maximum loss. Funded splits start at 80% with a 90% add-on, evaluation fees are refunded with the first payout, and payouts run through Rise with a $50 minimum.

Firm overview

Which trading platforms can you use?MT5, DXtrade, TradingView

How are payouts sent?Rise

CEOPeter Brown

Clearing broker for prop program—

Where is the firm based?United Kingdom

Founded2023

Years operating3

Instruments and assets

Example symbolsEURUSDGBPUSDUSDJPYAUDUSDUSDCADNZDUSDEURGBPGBPJPYXAUUSDXAGUSDUS30US500US100USOILBTCUSD

Leverage

Forex1:30, rising to 1:50 with a paid add-on

Indices1:10

Metals1:30 on gold

Energy1:5 on oil

Commissions

Two pricing models at checkout at no extra cost: RAW with spreads from 0.0 pips plus commission, or All-In with wider spreads and no commission. RAW commissions are $7 per lot round trip on forex majors and gold or silver, variable on indices, and 0.15% on crypto.

FX $7 per lotMetals $7 per lotExample 1 lot of EURUSD on RAW pricing costs $7 in commission round trip, before spread. On All-In pricing the same trade costs $0 in commission with a wider spread.

Consistency

EvaluationNo consistency rule on the standard One Phase, Two Phase Standard and Three Phase plans. Two Phase Classic applies a 25% consistency rule at the funded stage, Lightning applies a 30% consistency rule, and Instant Funding Lite applies a 20% consistency rule.

Funded accountTwo Phase Classic funded accounts use a 25% consistency rule, Lightning uses a 30% consistency rule at both stages, and Instant Funding Lite uses a 20% consistency rule. Two Phase Pro, where offered, caps daily profit at $4,000.

Firm rules

News tradingAllowed without restriction on One Phase, Two Phase and Three Phase evaluations. Restricted 5 minutes before and 5 minutes after high-impact news on Instant Funding and Lightning accounts, where profit made in the window does not count.

Copy tradingAllowed between the trader's own FXIFY accounts and from FXIFY accounts to other accounts. Copying from another trader is prohibited, and copy trading is not allowed on Instant Funding, Instant Funding Lite, Two Phase Pro as a follower, or Lightning accounts.

InactivityAccounts must trade at least once every 60 days, or the account is breached.

Prohibited strategiesHigh-frequency trading, Latency arbitrage, Reverse hedging and group hedging, Account management by another person, Trading on a delayed data feed or delayed charts, Order book spamming and herd trading, Gambling-style trading without proper risk management, Statistical arbitrage, Exploiting bugs or glitches

Challenges

Program	Account	Price	Activation	Target	Max loss	Drawdown	Daily loss	True cost (1 mo) ↓
One Phase	$5K	$59 once	$0 (Free)	$500	$300	Trailing	3%	$59	Get
One Phase	$10K	$89 once	$0 (Free)	$1,000	$600	Trailing	3%	$89	Get
One Phase	$15K	$119 once	$0 (Free)	$1,500	$900	Trailing	3%	$119	Get
One Phase	$25K	$199 once	$0 (Free)	$2,500	$1,500	Trailing	3%	$199	Get
One Phase	$50K	$379 once	$0 (Free)	$5,000	$3,000	Trailing	3%	$379	Get
One Phase	$100K	$549 once	$0 (Free)	$10,000	$6,000	Trailing	3%	$549	Get
One Phase	$200K	$1,049 once	$0 (Free)	$20,000	$12,000	Trailing	3%	$1,049	Get
One Phase	$400K	$2,950 once	$0 (Free)	$40,000	$24,000	Trailing	3%	$2,950	Get
Two Phase Standard	$5K	$59 once	$0 (Free)	$500	$500	Trailing	4%	$59	Get
Two Phase Standard	$10K	$89 once	$0 (Free)	$1,000	$1,000	Trailing	4%	$89	Get
Two Phase Standard	$15K	$119 once	$0 (Free)	$1,500	$1,500	Trailing	4%	$119	Get
Two Phase Standard	$25K	$199 once	$0 (Free)	$2,500	$2,500	Trailing	4%	$199	Get
Two Phase Standard	$50K	$379 once	$0 (Free)	$5,000	$5,000	Trailing	4%	$379	Get
Two Phase Standard	$100K	$549 once	$0 (Free)	$10,000	$10,000	Trailing	4%	$549	Get
Two Phase Standard	$200K	$1,049 once	$0 (Free)	$20,000	$20,000	Trailing	4%	$1,049	Get
Two Phase Standard	$400K	$2,950 once	$0 (Free)	$40,000	$40,000	Trailing	4%	$2,950	Get
Two Phase Classic	$5K	$59 once	$0 (Free)	$400	$500	Static	5%	$59	Get
Two Phase Classic	$10K	$89 once	$0 (Free)	$800	$1,000	Static	5%	$89	Get
Two Phase Classic	$15K	$119 once	$0 (Free)	$1,200	$1,500	Static	5%	$119	Get
Two Phase Classic	$25K	$199 once	$0 (Free)	$2,000	$2,500	Static	5%	$199	Get
Two Phase Classic	$50K	$379 once	$0 (Free)	$4,000	$5,000	Static	5%	$379	Get
Two Phase Classic	$100K	$549 once	$0 (Free)	$8,000	$10,000	Static	5%	$549	Get
Three Phase	$5K	$39 once	$0 (Free)	$250	$250	Static	5%	$39	Get
Three Phase	$10K	$59 once	$0 (Free)	$500	$500	Static	5%	$59	Get
Three Phase	$15K	$79 once	$0 (Free)	$750	$750	Static	5%	$79	Get
Three Phase	$25K	$149 once	$0 (Free)	$1,250	$1,250	Static	5%	$149	Get
Three Phase	$50K	$249 once	$0 (Free)	$2,500	$2,500	Static	5%	$249	Get
Three Phase	$100K	$399 once	$0 (Free)	$5,000	$5,000	Static	5%	$399	Get
Three Phase	$200K	$799 once	$0 (Free)	$10,000	$10,000	Static	5%	$799	Get
Three Phase	$400K	$1,599 once	$0 (Free)	$20,000	$20,000	Static	5%	$1,599	Get
Instant Funding Standard	$1K	$69 once	$0 (Free)	—	$80	Trailing	8%	$69	Get
Instant Funding Standard	$2,500	$119 once	$0 (Free)	—	$200	Trailing	8%	$119	Get
Instant Funding Standard	$5K	$229 once	$0 (Free)	—	$400	Trailing	8%	$229	Get
Instant Funding Standard	$10K	$449 once	$0 (Free)	—	$800	Trailing	8%	$449	Get
Instant Funding Standard	$25K	$899 once	$0 (Free)	—	$2,000	Trailing	8%	$899	Get
Instant Funding Standard	$50K	$1,749 once	$0 (Free)	—	$4,000	Trailing	8%	$1,749	Get
Instant Funding Standard	$75K	$2,499 once	$0 (Free)	—	$6,000	Trailing	8%	$2,499	Get
Instant Funding Standard	$100K	$4,249 once	$0 (Free)	—	$8,000	Trailing	8%	$4,249	Get
Instant Funding Lite	$2,500	$19 once	$0 (Free)	—	$100	Trailing	3%	$19	Get
Instant Funding Lite	$5K	$39 once	$0 (Free)	—	$200	Trailing	3%	$39	Get
Instant Funding Lite	$10K	$79 once	$0 (Free)	—	$400	Trailing	3%	$79	Get
Instant Funding Lite	$25K	$149 once	$0 (Free)	—	$1,000	Trailing	3%	$149	Get
Instant Funding Lite	$50K	$249 once	$0 (Free)	—	$2,000	Trailing	3%	$249	Get
Instant Funding Lite	$100K	$399 once	$0 (Free)	—	$4,000	Trailing	3%	$399	Get
Lightning Challenge	$5K	$59 once	$0 (Free)	$250	$200	Trailing	3%	$59	Get
Lightning Challenge	$10K	$59 once	$0 (Free)	$500	$400	Trailing	3%	$59	Get
Lightning Challenge	$25K	$149 once	$0 (Free)	$1,250	$1,000	Trailing	3%	$149	Get
Lightning Challenge	$50K	$249 once	$0 (Free)	$2,500	$2,000	Trailing	3%	$249	Get
Lightning Challenge	$100K	$399 once	$0 (Free)	$5,000	$4,000	Trailing	3%	$399	Get

Payouts

Profit split80% to the trader

Minimum payout$50

Restricted countries

The restricted list above follows the official country FAQ, with the United States added from firm statements that United States accounts are not opened.

Fully restricted (36):

ZimbabweIranIraqNorth KoreaSomaliaVietnamBelarusBurundiCentral African RepublicIvory CoastLiberiaLibya+24 more

Announcements

October 15, 2026 · FUNDED40 promotion on Instant Funding StandardFXIFY promoted 40% off Instant Funding Standard, excluding Instant Funding Lite, with an expiry of 3 November 2026, alongside REWARD25 and ONESTEP35 offers.

April 30, 2026 · FXIFY marks its third anniversaryFXIFY marked three years since its 2023 launch, with a Labuan registered office and a London contact address.

FAQ

What does an FXIFY challenge cost, and is the fee refunded?One Phase and Two Phase Standard cost $59 for $5,000, $89 for $10,000, $119 for $15,000, $199 for $25,000, $379 for $50,000, $549 for $100,000, $1,049 for $200,000 and $2,950 for $400,000. Three Phase costs $39 to $1,599 across the same sizes. Instant Funding Standard costs $69 for $1,000 to $4,249 for $100,000. Evaluation fees are refunded with the first payout. Instant and Lightning fees are not refunded.

What are the profit targets and loss limits?One Phase asks for 10% with a 3% daily limit and a 6% trailing maximum loss. Two Phase Standard asks for 10% then 5% with a 4% daily limit and a 10% trailing maximum loss. Two Phase Classic asks for 8% then 5% with a 5% daily limit and a 10% static maximum loss. Three Phase asks for 5% in each phase with a 5% daily limit and a 5% static maximum loss. Lightning asks for 5% within 7 days with a 3% daily limit and a 4% trailing maximum loss.

How often does FXIFY pay, and what is the minimum?One, Two and Three Phase accounts pay on demand for the first payout, then monthly, or bi-weekly with an add-on. Instant Funding pays every 14 days, Instant Funding Lite every 10 days, and Lightning after 7 days then every 14 days. The minimum withdrawal is $50, and payouts run through Rise with 1 to 3 business days processing.

Can I use news trading, EAs or copy trading?News trading, EAs and weekend holding are allowed on One Phase, Two Phase and Three Phase evaluations, with EAs needing prior approval on MT5. Instant Funding and Lightning accounts restrict news trading to outside the 5-minute window, prohibit EAs, and prohibit copy trading. Copy trading is allowed between the trader's own FXIFY accounts and from FXIFY accounts to other accounts.

What leverage and commissions apply?Standard leverage is 1:30 on forex and gold, 1:10 on indices and 1:5 on oil, with an add-on raising forex and gold to 1:50. On RAW pricing, forex majors and gold or silver cost $7 per lot round trip, indices are variable, and crypto costs 0.15%. All-In pricing has wider spreads and no commission.

Which countries are restricted?FXIFY does not open accounts for residents of the United States or the 34 other jurisdictions listed in its country FAQ, including Russia, Vietnam, Kenya, Ghana, Iran, North Korea, Cuba, Syria and Venezuela. The full list is in the restrictedCountries section of this file.

What is the Lightning Challenge?Lightning is a fast-track evaluation with a 5% target that must be completed within 7 days, with 3 minimum trading days, a 3% daily limit, a 4% trailing maximum loss, a 30% consistency rule and a mandatory stop loss. The first payout comes after 7 days, then every 14 days.

What is Instant Funding Lite?Instant Funding Lite is the entry-level instant option from $19 for $2,500 to $399 for $100,000, with no evaluation phase, a 3% daily limit, a 4% trailing maximum loss, a 20% consistency rule and no weekend holding. It pays every 10 days with a $50 minimum.

Reddit corner

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

r/PropFirmTester2026-09-24
What's your experience with FXIFY? Especially payouts
Asker wants to know about repeat payouts. One user reports five payouts this year on a 50k Instant Lite account, saying processing is slow (at least five working days) but they were paid, plus a video interview.
r/PropFirmTester2026-08-12
FXIFY
Asker (a profitable breakout trader) asks how payout eligibility works on an instant account. One commenter cites the share of 1-star Trustpilot reviews as a reason to avoid the firm.
r/PropFirmTester2026-03-30
FXIFY: Profitable trader? Don't expect to get paid. denied my payout and accused me of latency arbitrage
Poster says a payout was denied after passing, with a latency-arbitrage accusation they dispute. Commenters split between alleging many traders go unpaid and pointing to verified payouts in the firm's Discord feed.
r/PropFirmTester2026-04-22
I got a payout from Fxify
Poster shares a $1k payout from a 50k instant account, aiming at the 20% consistency rule, and later a second payout. A commenter says firms look harder at bigger payouts.

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Is FXIFY legit?

FXIFY is a United Kingdom firm founded in 2023 that sells phase-based and instant funding plans, with payouts through Rise. Splits start at 80%, with a 90% add-on on most plans. Prop firms are not regulated like brokers, so your protection comes from the firm's own rules, not a regulator. Check whether your plan pays on demand, monthly, or every 10 to 14 days before you pay.

Founded: Founded in 2023. The firm is based in the United Kingdom.
Trustpilot: 4.3 from 6,500 reviews in October 2026.
Payouts: Phase accounts pay on demand for the first payout, then monthly, or bi-weekly with an add-on. Instant Funding pays every 14 days and Instant Funding Lite every 10 days. The minimum withdrawal is $50.
Watch out for: Sampled negative reviews mention disputed latency-arbitrage accusations leading to bans, alongside delayed or rejected payouts.
Our take: A firm with a wide plan menu, so the payout rhythm of your exact plan is the detail to pin down. Prop trading can cost you every fee you pay.

Updated 2026-10-26

FXIFY price history and rule changes

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FXIFY review: rules, prices and payouts

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