Fintokei Review
This Fintokei review covers simulated trading evaluations on MT5, cTrader, and TradingView, with an 80% profit split and static drawdown limits.
- HQ
- Brno, CZ
- Founded
- 2022
- Regulation
- Unregulated
Operated by Fintokei a.s.
Written by the Proptary Team · Updated 28 Oct 2026
Researched with AI assistance and verified by our editors
Overview
This Fintokei review starts with the basics: a Czech evaluation prop firm offering two-step evaluations, single-phase accounts, and beginner scaling programs on forex and CFD markets.
Fintokei launched in Japan in 2022, with corporate headquarters located in Brno, Czech Republic. The brand operates under Fintokei a.s., a registered Czech joint-stock company incorporated in April 2020. The business is led by Chief Executive Officer David Varga. Fintokei works with AXSE Brokerage Ltd, and its simulated accounts run on institutional market quotes.
Review summary
Pros and cons
What works
5 strengths
- Static overall loss limit on ProTrader accounts calculated strictly from your starting balance.
- Direct integration with TradingView, cTrader, and MetaTrader 5 platforms.
- Fintokei says Walletory payouts are cleared automatically within seconds.
- News trading and holding positions over the weekend are fully permitted.
- Scalable account sizes reaching up to $400,000 in capital with permanent milestone tiers.
What doesn't
4 to plan around
- Daily loss limit tracks midnight equity snapshots rather than balance, tightening room on profitable swings.
- StartTrader accounts bought before October 21, 2026 keep a consistency rule, while newer StartTrader accounts do not.
- Crypto withdrawals carry a 2.5% fee, plus a flat €10 or €20 commission on ETH, USDT, BTC, and USDC.
- Residents of the United States, India, and 18 other jurisdictions cannot buy evaluations, and new purchases are restricted in 16 more countries, including Malaysia, Thailand, and the United Arab Emirates.
Cost of entry
Fintokei pricing
| Program | Account Size | Assessment Fee | Profit Target (Phase 1 / Phase 2) | Max Daily Loss | Max Total Loss |
|---|---|---|---|---|---|
| ProTrader | $5,000 | $49 | 8% / 6% | 5% | 10% (Static) |
| ProTrader | $10,000 | $99 | 8% / 6% | 5% | 10% (Static) |
| ProTrader | $20,000 | $159 | 8% / 6% | 5% | 10% (Static) |
| ProTrader | $50,000 | $329 | 8% / 6% | 5% | 10% (Static) |
| ProTrader | $100,000 | $549 | 8% / 6% | 5% | 10% (Static) |
| ProTrader | $200,000 | $1,249 | 8% / 6% | 5% | 10% (Static) |
| ProTrader | $400,000 | $2,599 | 8% / 6% | 5% | 10% (Static) |
| SwiftTrader (1-Step) | $5,000 | $44 | 6% | 2% | 3% (Static) |
| SwiftTrader (1-Step) | $10,000 | $89 | 6% | 2% | 3% (Static) |
| StartTrader (Beginner) | $5,000 | $34 | 3% | 2% (Soft Breach) | 8% (Static) |
Fintokei challenges start at $34 for the $5,000 StartTrader account and $44 for the $5,000 SwiftTrader account, while the two-step ProTrader plan begins at $49. All evaluation packages require a one-time entry fee with no recurring monthly subscriptions. On the $5,000 ProTrader account, you need to make 8% ($400) in Phase 1 and 6% ($300) in Phase 2. Your entry fee is fully refundable with your initial performance payout once you successfully complete the evaluation stages and achieve funded status. However, failing any mandatory risk threshold terminates the assessment immediately, forfeiting the fee without free retries. Our Fintokei review lists all ProTrader sizes and the two smallest SwiftTrader sizes, so you can compare fees by program.
Rule clarity
Fintokei rules
Score100 / 100In this Fintokei review, the rules below describe the standard ProTrader evaluation unless stated otherwise. Fintokei structures its ProTrader evaluation as two steps, with an 8% Phase 1 target, a 6% Phase 2 target, and a 10% maximum loss limit. On the $5,000 account, the 10% maximum loss limit is a fixed floor at $4,500 that never moves. The 5% daily loss limit starts at $250 on day one and is then measured from your equity at midnight UTC, so floating profit you carry past midnight raises that day's starting point and tightens your next-day buffer. A single intraday breach of either limit ends the account instantly, and you lose account access and any virtual gains. Fintokei lists max leverage of 1:100 on ProTrader forex pairs, and lower on other instruments and programs. Leverage magnifies losses as well as gains, so a small move against a leveraged position can reach the 5% daily loss limit or the 10% maximum loss limit quickly and end the evaluation.
- Profit target
- 8%
- Max daily loss
- 5%
- Max total drawdown
- 10%
- Drawdown type
- Static (Balance-based)
- Min trading days
- 3
- Time limit
- None
- Consistency rule
- Not enforced
- Max leverage
- 1:100
- Scaling plan
- Yes, up to $4M
- Platforms
- MT5, cTrader, TradingView
- Instruments
- Forex, Metals, Indices, Commodities
- Not accepted from
- Afghanistan, Bangladesh, Belarus, China, Cuba, India, Iran, Iraq, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, United States, Venezuela, Vietnam, Yemen
What a static drawdown means for you
The limit is fixed against the account starting balance and does not move as the account grows or shrinks. It is the most forgiving type: once you are in profit, the same dollar buffer stays in place rather than trailing up behind your equity.
What changes once you are funded
Profit targets are eliminated entirely on virtually funded accounts, while the 5% daily loss and 10% static overall loss limits continue to apply. Traders must execute at least one trade every 30 calendar days to avoid account closure for inactivity.
Strategy rules
- News trading
- Allowed
- EAs / bots
- Allowed
- Weekend hold
- Allowed
- Hedging
- Allowed
- Copy trading
- Not allowed
- HFT / tick scalping
- Not allowed
Payout reliability
Fintokei payouts
Score80 / 100Fintokei pays performance rewards under an 80% base profit split on ProTrader, and says rewards range from 50% to 100% of profits depending on the program. You can request a withdrawal in the MyFintokei dashboard once you pass identity verification, close all open trades, and at least 14 days have passed since your last payout or first trade. Fintokei says Walletory transfers are automated and arrive in seconds, and that wire and crypto withdrawals process within 24 hours. Fintokei covers bank transfer fees. Crypto withdrawals carry a 2.5% fee, plus a flat €10 or €20 commission on ETH, USDT, BTC, and USDC. On a $5,000 ProTrader account, a $500 profit gives you a $400 payout, plus a full refund of the $49 entry fee on your first withdrawal.
- Profit split
- 80%
- Payout cycle
- On demand
- Reported payout speed
- Under 24 hours
- Withdrawal fee
- Bank wire: none. Crypto: 2.5% plus a flat €10 or €20 on some coins.
- Minimum withdrawal
- $100
- Payout methods
- Crypto, Bank Wire, Walletory
Customer support
Customer support
Score75 / 100Support at Fintokei is handled primarily through a real-time live chat widget on the website and portal, complemented by direct email ticketing. According to public reports across review platforms, initial inquiries receive responses during standard European business hours. Users report prompt technical troubleshooting during platform setup, though localized response times can vary slightly for traders based outside European and Japanese operating zones. This Fintokei review reports response times as users describe them.
- Channels
- Live chat, Email, Ticket system
- Availability
- Business hours
- Reported response time
- Not enough reports
- Reports collected
- 27 Oct 2026
Track record
Track record and transparency
Score100 / 100Fintokei has operated since 2022 and is run by Fintokei a.s., a Czech company registered in April 2020 (company ID, IČO 09110127). Fintokei says it is not regulated because it offers simulated accounts and holds no client deposits, so it is not under a financial regulator's supervision. Check the payout reports under Community sentiment before you buy. Fintokei says its October 2026 StartTrader update applies to new purchases only, with existing accounts grandfathered.
Community sentiment
Community sentiment
Score90 / 100Community sentiment around Fintokei reflects an aggregate Trustpilot rating of 4.3 from 1,414 reviews as of October 2026. Positive user commentary highlights automated instant payouts via Walletory and smooth execution when connecting accounts directly to TradingView. Negative feedback centers on the midnight equity snapshot rule for daily drawdown calculations, which can penalize overnight swing positions, and the consistency rule on older StartTrader accounts. This Fintokei review draws on the same Trustpilot reports.
Decision
Final verdict
The main risk in this Fintokei review is the midnight equity calculation for daily drawdown, which can catch swing traders holding open floating gains. On the plus side, the maximum loss is static, and you can trade on TradingView, cTrader, or MetaTrader 5. With an 80% base profit split, Fintokei suits technical traders who want a firm run by a registered Czech company. If you stay inside the intraday limits, the fixed maximum loss gives you a steady buffer while you scale.
Is Fintokei right for you?
Fintokei suits day traders and technical swing traders who prioritize stable contract terms and automated payout options over aggressive leverage. It is less suitable if you trade news spikes with large lot sizes or hold unhedged positions over the weekend that could open with a gap on Monday.
Who should trade with Fintokei?
Fintokei fits disciplined forex and CFD traders who use automated position sizing and want the maximum loss fixed against the starting balance. High-frequency scalpers and traders who rely on commercial bots may prefer another firm.
Questions
FAQ
What is Fintokei?
Fintokei is an educational trading firm offering simulated evaluation programs on MT5, cTrader, and TradingView for aspiring forex and CFD traders. Our Fintokei review covers its ProTrader, SwiftTrader, and StartTrader programs.
Does Fintokei pay out profits quickly?
Fintokei states that wire transfers and crypto withdrawals process within 24 hours, while offering automated instant withdrawals through Walletory in seconds. The minimum withdrawal threshold is $100, and your entry fee is refunded on your first payout. Crypto withdrawals carry a 2.5% fee, plus a flat €10 or €20 commission on ETH, USDT, BTC, and USDC.
Does Fintokei have a consistency rule?
No consistency rule applies to standard ProTrader evaluations, so you can pass whenever you hit the targets. StartTrader accounts bought before October 21, 2026 keep a consistency rule, and newer StartTrader accounts do not. ProTrader requires at least three profitable trading days.
What are the drawdown rules at Fintokei?
Fintokei enforces a 5% daily loss limit alongside a 10% maximum total loss on ProTrader. The maximum drawdown is static from your starting balance. Daily loss is measured from your midnight UTC equity, meaning floating overnight profits raise your loss benchmark for the following trading session.
Does Fintokei allow copy trading?
No, Fintokei prohibits copying trades from external signal providers or other traders across accounts. You may only copy trades between your own personal trading accounts. Using commercial off-the-shelf bots or account management services results in an immediate breach, though custom self-developed Expert Advisors remain fully permitted.
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Before you pay
Many prop firms operate without a financial services license. They argue that traders use simulated accounts and the firm risks its own capital, so no client money is held and no license is required. That arrangement is common in this industry, but it also means no regulator supervises the firm and there is no compensation scheme if it stops paying. What matters instead is whether the company behind the brand is named and traceable, and whether it has a payout record you can check.
This page is for information only and is not investment or trading advice. Trading through a funded or proprietary trading program carries real risk, including the loss of evaluation fees and any funded account. Rules, pricing, and payout terms vary by firm and can change without notice. A Proptary Grade reflects our most recent check and may not capture very recent changes, so confirm current terms directly with the firm before buying an evaluation.
Before you pay
Many prop firms operate without a financial services license. They argue that traders use simulated accounts and the firm risks its own capital, so no client money is held and no license is required. That arrangement is common in this industry, but it also means no regulator supervises the firm and there is no compensation scheme if it stops paying. Proptary is not a financial institution, not an investment adviser, and is not supervised by any financial regulator.
Nothing here is advice. Our grades, scores and write-ups are information only. They are not investment or trading advice, not a recommendation to buy an evaluation, and not tailored to your circumstances. Read the firm’s own terms and decide for yourself.
A grade is not a guarantee. A Proptary Grade summarises the evidence we were able to verify on the date shown. It is not a measure of the firm’s financial strength, not a promise that it will pay you, and not an assurance that it will still be operating next month. Payout records, review scores and support times we cite are historical evidence, never a forecast.
The fee is at risk from the moment you pay it. An evaluation buys an attempt, not an account. Most traders do not pass. Breaching a drawdown or consistency rule can cost you the entire fee and any funded account, with no refund.
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