Forex / Firms / Moneta Funded

Moneta Funded review: rules, prices and payouts

Saint Lucia·Founded 2025·★ 4.6 (286)

88% split on most plansPhoenix scales to $2,000,000Sprint pays a 100% splitNews rules change by planPer-size prices not on the homepage

FromPUMPKIN40

$650

From $650

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Rankings are never paid. Disclosure

Cheapest start$650$100K · 2 Steps

Profit splitUp to 88%Your share of profits

Daily / max loss5% / 10%higher of balance or equity, static max loss

LeverageUp to 1:100Forex pairs, from 1:30 on some plans

First payout14 daysAfter funding

Trust score

Trustpilot

4.6286 reviews · 5% one-star

5★81%

4★10%

3★2%

2★2%

1★5%

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

Our verdict

Moneta Funded suits a trader who wants broker-backed execution and a wide menu of plan shapes, from a conventional 2-Step evaluation to instant funding and a fast Sprint format. The 88% split every 14 days is competitive, and the Phoenix path to $2,000,000 gives ambitious traders real headroom. The trade-off is complexity: news rules, drawdown types and consistency options change from plan to plan, and per-size prices are not published on the homepage.

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 payouts withheld, rejected or cut off after several payoutsReviewers report funded accounts closed or removed, sometimes after a document check or a flag they disputeSome reviewers call the firm a scamReviewers report long waits for the account after passingOne reviewer reports a payment problem when buying with crypto

True cost to get funded

One-time

$650

2-Step Challenge · no activation

2-Step Challenge is a one-time fee of $650, so the months slider does not change it.

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Summary

Moneta Funded, the prop arm of broker Moneta Markets, offers 1-Step, 2-Step, Instant, Instant Pro, Phoenix and Sprint routes on MT5 and MatchTrader, with accounts from $5,000 to $100,000 and scaling to $2,000,000 on Phoenix. Most plans pay an 88% profit split every 14 days, with a 100% split on Sprint payoffs and daily payouts on the 1-Step Daily variant. The 2-Step plan pairs 5% and 10% targets with 5% daily and 10% static maximum loss, while Instant plans use trailing drawdowns. News rules vary by plan, so traders must check the exact plan before buying.

Firm overview

Which trading platforms can you use?MT5, MatchTrader

How can a trader pay?Credit/Debit CardCryptocurrency

How are payouts sent?Rise · Cryptocurrency · Transfer to Moneta Markets account

CEO—

Clearing broker for prop programMoneta Markets

Where is the firm based?Saint Lucia

Founded2025

Years operating1

Instruments and assets

Example symbolsEURUSDGBPUSDUSDJPYAUDUSDUSDCADNZDUSDEURGBPGBPJPYXAUUSDXAGUSDXAUEURUSOILUKOILBTCUSDETHUSD

Leverage

Crypto1:30

Energy1:30

Forex1:100

Indices1:30

Metals1:30

Commissions

Commission of $4 per lot on forex and metals, no commission on indices and crypto, plus the spread.

Per lot $4 per lot on forex and metals, $0 per lot on indices and cryptoExample 1 lot of EURUSD costs $4 in commission on each side, so $8 round trip before spread.

Consistency

Evaluation1-Step and 2-Step: no consistency rule. Instant Funding: a 15% or 20% best day option applies. Phoenix: no consistency rule.

Funded accountInstant Funding funded accounts carry the 15% or 20% consistency option. Phoenix funded accounts carry no consistency rule. Instant Pro caps profit per day at 4%.

Firm rules

Minimum trading days1-Step evaluation: none. 1-Step funded: 3 profitable days of at least 0.5% each. 2-Step: 3 profitable days per phase and 3 on the funded account. Phoenix: 3 profitable days of at least 0.5% each.

News tradingVaries by plan. Instant Pro and Phoenix allow news trading. Standard Instant and 1-Step restrict news trading, and Sprint does not allow news, gap or market open and market close trading.

Copy tradingAllowed between a trader's own accounts.

Challenges

Program	Account	Price	Activation	Target	Max loss	Drawdown	Daily loss	True cost (1 mo) ↓
2-Step Challenge	$100K	$650 once	$0 (Free)	$5,000	$10,000	Static	5% (higher of balance or equity)	$650	Get
1-Step Challenge	$100K	$670 once	$0 (Free)	$10,000	$5,000	Trailing lock	3% (higher of balance or equity)	$670	Get
Instant Funding	$100K	$735 once	$0 (Free)	—	$5,000	Trailing lock	3% (higher of balance or equity)	$735	Get
Instant Funding Pro	$100K	—	$0 (Free)	—	$8,000	Trailing lock	4% (higher of balance or equity)	—	Get
Phoenix Instant	$100K	—	$0 (Free)	—	$6,000	Static	3% (higher of balance or equity)	—	Get

Payouts

Profit split88% on the standard plan · up to 100% on some plans or with scaling (details in the FAQ)

FrequencyEvery 14 days on most plans, on demand then every 14 days on Instant Pro, daily on 1-Step Daily, and within 48 hours on Sprint payouts

Minimum payout$100

Restricted countries

Sanctions restricted jurisdictions are also excluded.

Fully restricted (9):

IranAfghanistanThailandCubaMyanmarNorth KoreaUnited Arab EmiratesVenezuelaVietnam

Limited (2).

United States: MT5 unavailable, MatchTrader available to eligible tradersCanada: MT5 unavailable, MatchTrader available to eligible traders

FAQ

What is Moneta Funded?Moneta Funded is the prop trading arm of broker Moneta Markets. Traders pass an evaluation or buy an instant funded plan, then trade a simulated account and keep up to 88% of profits on most plans.

What account sizes are offered?Standard plans run from $5,000 to $100,000. Phoenix Instant scales toward $2,000,000 across tiers, and Sprint is offered in $10,000 and $25,000 configurations.

What is the profit split?Most plans pay 88% to the trader every 14 days. Instant Funding can be bought at a 60% or 88% split, and Sprint pays a 100% split of the fixed payoff.

How does the 2-Step Challenge work?Phase 1 targets 5% and Phase 2 targets 10%, with 3 profitable days per phase. The standard configuration uses a 5% daily loss limit and a 10% static maximum loss, and a lower-cost 4% and 8% configuration is also offered.

What is the Sprint Challenge?Sprint is a time-based challenge in a 1, 2, 4 or 8 hour window with a 2x or 5x multiplier. Hit the small profit target inside the window without breaching maximum loss and the fixed payoff is paid, with a 100% split.

Can I hold positions overnight and over the weekend?Yes, overnight and weekend holding is allowed on the plans shown on the official homepage.

Are expert advisors and copy trading allowed?Yes, expert advisors are allowed and copy trading between a trader's own accounts is allowed, subject to the plan rules.

Is there a coupon available?The official homepage shows code PUMPKIN40 for 40% off as a limited time offer.

Reddit corner

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

r/PropFirmTester2026-10-02
MonetaFunded AI Interview after passing my first challenge
The poster says that after passing a 25K evaluation they were asked to complete a recorded AI interview within 48 hours, with a person to review it afterward. Replies are about interviews in general and speculate it is an identity check.

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Moneta Funded price history and rule changes

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Cheapest $100K plan, list price

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Moneta Funded review: rules, prices and payouts

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