Funding Traders Review

Item: Funding Traders
Rating: 5
Author: Proptary

This Funding Traders review covers a US-based prop firm offering simulated forex and CFD evaluations with 1-step, 2-step, and instant funding accounts.

HQ: Miami Beach, FL
Regulation: Unregulated

Operated by FT US Inc

Written by the Proptary Team · Updated 20 Oct 2026

Researched with AI assistance and verified by our editors

Visit Funding Traders

Overview

This Funding Traders review covers pricing, rules, payouts, support, and community feedback, and ends with our grade. Funding Traders is an online proprietary trading firm offering 1-step, 2-step, and instant funding evaluations across forex and contracts for difference (CFDs).

Funding Traders is headquartered in Miami Beach, Florida. The brand provides simulated trading challenges contracted through FT US Inc, an entity incorporated in Florida in January 2025.

Review summary

Pros and cons

What works

5 strengths

Static drawdown model on 2-Step Pro challenges that does not trail unrealized intraday profit
Funding Traders says its profit split starts at 80% and can reach 100% with paid add-ons
Accessible entry pricing starting at $69 for the $5,000 challenge account
Funding Traders says live chat is available 24/7
Evaluation fee refund issued upon reaching the second successful payout milestone

What doesn't

5 to plan around

Trustpilot rating unavailable due to a guideline breach, with fake reviews removed
Mandatory 2% maximum risk limit per trade idea in the funded phase that can trigger account breach
Documented trader reports of payout delays extending beyond three weeks and withdrawal freezes
Discrepancies between published payout intervals in marketing materials and the 21-day terms of service
Commission fee of $3 per lot round-trip applied to funded stage positions across forex pairs

Cost of entry

Funding Traders pricing

Account Size	2-Step PRO10 Price	Evaluation Model
$5,000	$69	2-Step
$10,000	$119	2-Step
$25,000	$229	2-Step
$50,000	$339	2-Step
$100,000	$599	2-Step
$200,000	$999	2-Step

Challenge pricing starts at $69 for the $5,000 2-Step Pro account during the current promotion (checked Oct 20, 2026), scaling up to $999 for the $200,000 balance tier. Confirm the regular price on the checkout page before you buy. Evaluation fees are charged as a one-time payment rather than a recurring subscription, making it predictable for traders who need time to work through the challenge phases without monthly renewal pressure. If you want larger payout sizes after passing both stages, the $100,000 account at $599 is the mid-range option. However, traders should note that the evaluation fee refund is not returned immediately upon passing; accounts purchased after May 8, 2026, receive the fee refund only upon completing a second successful withdrawal. Upgrading from the standard 80% profit split to 90% or 100%, or selecting the seven-day payout add-on, increases the upfront checkout price considerably.

Rule clarity

Funding Traders rules

Score95 / 100

Our Funding Traders review of the rules starts with the primary 2-Step Pro evaluation, which is built around a 10% Phase 1 profit target, a 5% Phase 2 target, and a 10% static maximum drawdown. On a $5,000 challenge account, the 5% daily loss limit equals $250 calculated from the starting day balance, meaning an adverse session reaching that threshold will breach the account. Because the 10% overall drawdown limit is balance-based and fixed, it does not trail unrealized gains upward, so your cushion above the limit grows as profits accumulate. Leverage works both ways. With a 1:100 limit, a small price move can erase a large share of your account, and hitting the daily or total loss limit ends the evaluation and forfeits your fee. If you break any one drawdown limit, the account is breached for good and you lose the evaluation fee. The primary pitfall for funded participants is the 2% maximum risk rule per trade idea, where multiple correlated positions can be combined into a single idea and trigger an unexpected violation.

Profit target: 10%
Max daily loss: 5%
Max total drawdown: 10%
Drawdown type: Static (Balance-based)
Min trading days: 4
Time limit: None
Consistency rule: Not enforced
Max leverage: 1:100
Scaling plan: Yes, up to $2M
Platforms: MT5, cTrader, DXtrade, TradeLocker
Instruments: Forex, Metals, Indices, Commodities, Crypto
Not accepted from: Afghanistan, Kazakhstan, Mongolia, Morocco, Myanmar, Poland, Russia, Taiwan, Ukraine, Venezuela, Vietnam

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

Once you are funded, you must keep risk to 2% of the starting balance per trade idea across positions opened at the same time or reopened quickly. News trading has no limits in the evaluation, but once you are funded, no more than 30% of your total profit can come from trades opened within five minutes of high-impact news. Additionally, standard funded accounts incur a $3 round-trip commission per lot on forex instruments unless a zero-fee add-on was purchased.

Strategy rules

News trading: Allowed
EAs / bots: Allowed
Weekend hold: Allowed
Hedging: Allowed
Copy trading: Allowed
HFT / tick scalping: Not allowed

Payout reliability

Funding Traders payouts

Score25 / 100

Funding Traders pays funded traders an 80% default profit split on a 21-day cycle under its terms of service, with payouts sent through Rise Pay bank transfers or USDT (Tether). On a $5,000 account, you can withdraw a minimum of $50 by crypto or $200 by Rise bank transfer, and you must close all open positions before you submit a request.

While marketing materials highlight seven-day withdrawal possibilities, the binding terms of service set the baseline schedule at 21 days unless an accelerated payout add-on is purchased at checkout. The most critical condition occurs during the 48-hour processing window: if an account suffers a breach while a withdrawal is pending, the payout is voided and credited back to the balance. Multiple traders have documented prolonged delays extending past three weeks during administrative review periods.

Profit split: 80%
Payout cycle: Every 2 weeks
Reported payout speed: Over 5 business days
Withdrawal fee: None stated
Minimum withdrawal: $50 (crypto) / $200 (Rise)
Payout methods: Crypto, Rise

Customer support

Score55 / 100

Support is one of five pillars in this Funding Traders review. You can reach support through live chat, email tickets, and the official Discord server. Funding Traders says live chat is available 24/7. Public reports from traders indicate that routine onboarding inquiries and technical platform questions are generally answered within minutes to a few hours. However, public user feedback also documents significant communication bottlenecks when accounts enter dispute reviews or experience withdrawal freezes. Several traders reported that asking questions regarding delayed payouts in community channels resulted in muted permissions or server removals, leaving email as the sole remaining avenue for dispute resolution.

Channels: Live chat, Email, Discord
Availability: 24/7
Reported response time: Under a day
Reports collected: 20 Oct 2026

Track record

Track record and transparency

Score55 / 100

Operational history at Funding Traders includes expanding from initial CFD offerings into multiple evaluation models and introducing TradeLocker alongside MetaTrader 5. Over its operating lifespan, the firm has updated its risk parameters to incorporate the Risk Management Group framework and adjust evaluation fee refund milestones from the first to second payout. Reddit users report payout delays of several weeks for funded traders. These are individual posts, not confirmed findings. As of Oct 20, 2026, Trustpilot lists 3,285 reviews for Funding Traders but shows no rating. The page says it removed a number of fake reviews because of a breach of its guidelines, which led to the suspension of the firm’s public rating.

Community sentiment

Score20 / 100

Feedback on Funding Traders is mixed. On the positive side, traders praise the static drawdown structure on 2-Step Pro challenges and responsive live chat during regular evaluations. Conversely, one Reddit poster claims Funding Traders denied a payout of more than $18,000 under its discretionary risk rules. We could not confirm this independently. Furthermore, the firm’s profile on Trustpilot shows a suspended rating notice because of a breach of Trustpilot’s guidelines, and the page says it removed fake reviews.

Decision

Final verdict

Funding Traders offers an appealing package on paper, featuring balance-based static drawdowns, high profit splits that Funding Traders says can reach 100%, and accessible entry prices. However, the payout problems we found outweigh these features. Trustpilot's notice that it removed fake reviews and withdrew the firm's rating raises questions about review integrity, although the notice does not say who posted them. Disciplined traders can pass the evaluation stages, but the friction reported at the withdrawal phase makes payouts uncertain. More important, traders have reported payout delays of several weeks, muted Discord accounts, and account terminations under discretionary risk rules. These reports are the main risk for funded traders. With a score of 50, the evidence we found points to risk around payouts. Read the firm's own terms before you decide whether to buy an evaluation.

With a score of 50, caution is recommended before paying for an evaluation.

Is Funding Traders right for you?

Based on this Funding Traders review, the firm may appeal to traders seeking affordable static drawdown evaluations who prioritize platform variety like TradeLocker and cTrader. However, if your strategy relies on heavy news trading, aggressive sizing, or rapid withdrawal turnarounds, this firm is ill-suited to your needs. The strict 2% trade-idea risk cap and the reported payment freezes are the main risks to weigh.

Who should trade with Funding Traders?

This firm best suits experienced swing traders who maintain tight position sizing below 1% per position and avoid high-impact macroeconomic events entirely. It does not suit high-frequency scalpers, news traders, or anyone dependent on consistent, punctual withdrawal cycles. Traders who reported problems say they kept trade records and requested withdrawals as soon as thresholds were met. This describes what others did and is not a recommendation.

Questions

FAQ

Is Funding Traders legit?

Funding Traders operates as a legally registered commercial business through FT US Inc in Florida, but it is not a licensed financial broker. While the firm pays some traders, Trustpilot currently shows no rating for it because of a breach of Trustpilot's guidelines, and says it removed fake reviews. Public forums also document multi-week payout delays and withdrawal complaints.

What is the 2% rule at Funding Traders?

The 2% rule restricts risk on funded accounts to a maximum of 2% of the initial account balance per trade idea. Positions opened in the same instrument and direction simultaneously, or reopened within two minutes of closing, count as a single trade idea, and exceeding this threshold constitutes an account breach.

What is Funding Traders?

Funding Traders is an online proprietary trading firm that provides simulated trading evaluations in forex and contracts for difference, granting funded simulated accounts with profit splits that Funding Traders says can reach 100% to traders who pass.

What broker does Funding Traders use?

We did not find a published statement from Funding Traders naming a broker or liquidity provider. Accounts are simulated and run on platforms including MetaTrader 5 and TradeLocker.

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.

Prices and rules change without notice. Firms change fees, rules and payout terms, sometimes days after we check. Confirm the current terms on the firm’s own site before you pay for anything. Proptary is not liable for losses arising from reliance on information published here.

Links to firms leave Proptary. We do not open, hold or operate trading accounts. Payment, identity checks, data handling and payouts are between you and the firm, under that firm’s own terms and privacy policy.

How this page is researched. Data is gathered with AI assistance and verified by our editors against the firm’s own documents before publishing.