Quick answer
Fintokei currently offers ProTrader, ProTrader Swing, SwiftTrader and StartTrader simulated evaluations. ProTrader and Swing share 8%/6% targets and 10% overall loss, but Swing uses balance-based daily calculations and swap-free holding. SwiftTrader is cheaper and faster to evaluate but its current product page allows only 3% overall loss. The existing 78/100 editorial score is retained without adding customer ratings or a coupon.
Fintokei is a Czech evaluation provider associated with the Purple trading group. It offers four distinct configurations: ProTrader has conventional 5%/10% loss room, SwiftTrader is a fast one-step test with only 3% maximum loss, and StartTrader uses low early targets but a 40% consistency framework and 6% maximum loss.
Review method: Official program, rules, fees and payout sources were checked on 3 October 2026. Prop Firm Audit reviewed the firm's current official program, rules, payout and legal pages. We did not buy an account or conduct a first-hand payout test, and company-hosted testimonials are not treated as independently verified proof.
Fintokei Rules at a Glance
- Program structure: ProTrader and ProTrader Swing 2-Step, SwiftTrader 1-Step and StartTrader 3-Step
- Profit target: ProTrader 8% then 6%; SwiftTrader 6%; StartTrader 2%, 3% and 6%
- Daily loss: 2% to 5% by program
- Maximum loss: 3% to 10% by program
- Profit share: Typically 80% to 90%, with StartTrader dynamically recalculated from 50% to 100%
- Payout access: Instant or scheduled access after each program's eligibility conditions
- Platforms: TradingView, MetaTrader 5 and cTrader, subject to region/program
- Markets: Forex, CFD metals, energies and indices; current site excludes crypto and stock trading
Account Types and Evaluation Rules
- Evaluation target
- 8% then 6%
- Daily limit
- 5% equity-based
- Maximum loss
- 10% static
- Minimum days
- 3 profitable days per phase
- Funded-stage headline
- 80% initial performance reward
Complete published USD fee comparison
These one-time base fees were checked on the current program pages on 3 October 2026. A dash means that size was not listed for that program. No promotion or unrelated affiliate code is applied; the account currency and final purchase configuration still need confirmation.
| Size | StartTrader | SwiftTrader | ProTrader | ProTrader Swing |
|---|---|---|---|---|
| $5K | $44 | $44 | $49 | $69 |
| $10K | — | $89 | $99 | $119 |
| $20K | $119 | $144 | $159 | $199 |
| $50K | $244 | $299 | $329 | $419 |
| $100K | $419 | $499 | $549 | $679 |
| $200K | — | $1,099 | $1,249 | $1,499 |
| $400K | — | — | $2,599 | — |
The table covers 23 published configurations. A lower fee buys a different rule set: SwiftTrader's $100K account costs $499 but permits $3,000 total loss, while the $549 ProTrader permits $10,000 overall loss and requires two phases. Swing's extra cost buys balance-based reset treatment and swap-free holding, not a larger overall loss allowance. These are cost/rule comparisons, not estimates of passing probability.
No site-supplied Fintokei coupon is stored. Trading costs, optional features and payment-provider effects are separate from the displayed entry fee. The nominal balance is virtual and cannot be withdrawn.
How Fintokei Works
The trader completes the phases of the selected simulated program while observing daily, maximum and open-risk limits. Successful traders move to a virtually funded account and can request real performance rewards under that plan. Fintokei openly describes the funded environment as virtual, which avoids implying that every funded trade is placed directly in the market.
Drawdown and Daily-Loss Rules Explained
ProTrader uses a 5% daily equity-based limit and a fixed 10% overall floor. SwiftTrader is much tighter at 2% daily and 3% overall. StartTrader uses 3% daily and 6% overall. Fintokei also publishes a maximum allowed risk on open trades—commonly 3%—and can impose additional consistency restrictions where trading behavior is judged unstable.
ProTrader versus Swing daily reset
The standard ProTrader reference is the midnight UTC equity snapshot; Swing uses the midnight closed balance instead. Breach monitoring still uses equity for both, so open losses remain relevant on Swing. For example, if closed balance is $52,000, a 5% balance-based calculation yields a $49,400 daily floor. The separate overall floor is still measured from starting capital.
The March 2026 general loss article contains SwiftTrader 3% daily/6% total values that conflict with the currently advertised SwiftTrader 2%/3% product table. This review uses the dedicated current product values but flags the discrepancy: existing holders should confirm their purchased version rather than adopt a larger allowance from a generic FAQ.
Payout Rules and Profit Split
ProTrader starts around an 80% performance reward, SwiftTrader advertises 90%, and StartTrader uses a dynamically calculated 50%–100% share for each payout. The September 1 payout guide requires 14 days from first trade or last successful payout, KYC and all positions closed. SwiftTrader additionally requires 3% profit per payout. “Instant” refers to payment processing through the supported route after those conditions, not immediate withdrawal after buying a challenge.
Minimum amounts are ordinarily 100 USD/EUR, 2,000 CZK or 20,000 JPY; the guide notes a higher 120 USD/EUR minimum for the referenced 400K EUR ProTrader plan. Crypto withdrawal charges vary: the guide lists 2.5% plus €10 for ETH/USDT or plus €20 for BTC/USDC. Country restrictions apply to crypto payouts. Walletory also requires separate onboarding; a Fintokei account alone does not guarantee that instant wallet service.
News Trading, Holding, EAs and Copy Trading
Holding and news permissions depend on program and platform. The current automation guide allows the trader's own systems and individually configured EAs where the logic is genuinely theirs. Copying the trader's own trades from broker or other prop accounts is allowed; copying another person's signals or using an unmodified shared black-box strategy is prohibited. Opposite trades across accounts are also prohibited. Fintokei can impose additional risk controls where behavior triggers review. EA and own-account copy rules.
Platforms, Instruments and Leverage
The current global platform menu lists TradingView, MetaTrader 5 and cTrader. The program FAQ explicitly says crypto and stock trading are not currently offered; paying a reward in cryptocurrency is a different feature. Leverage and symbol availability vary. The loss allowance—not the advertised account size—should be the primary input to position sizing, especially on SwiftTrader's 3% total-loss model.
Advantages
- Broker-group association and clear identification of virtual funding.
- Four programs covering distinct evaluation and holding preferences.
- Detailed official help articles on equity and loss calculations.
- High performance share on SwiftTrader.
- Free-trial availability for testing conditions.
Limitations and Risks
- SwiftTrader's 3% maximum loss leaves little room for normal variance.
- StartTrader has consistency and calendar limits.
- Fintokei can apply additional behavior-based restrictions.
- Program names and reward shares are easy to confuse.
- Platform availability differs by region.
StartTrader's 40% rule
The dedicated product table expresses this as a maximum 40% of the phase profit target counted from one day. That differs from a generic fraction of total earned profit. With a $1,000 phase target, the day contribution is limited to $400 under that formulation. StartTrader's dynamic reward is recalculated for each payout across its 50%–100% range; it is not necessarily a guaranteed step-up ladder.
Trust, Legal Position and Review Findings
Fintokei publishes direct program tables, examples and an explicit explanation of virtually funded accounts. The identifiable Czech operating base and group relationship support a strong trust view, while traders should treat extra consistency interventions as a real discretionary risk-control power.
A published rulebook is evidence of transparency, but it is not a guarantee that a trader will pass or receive a reward. Eligibility still depends on KYC, country restrictions, platform records, risk reviews and compliance with the agreement in force for the exact account.
The legal footer identifies Fintokei a.s. in Brno, Czech Republic, Company ID 09110127. It explicitly says the service is not a broker, does not take customer deposits and supplies simulated accounts. The existing 2023 launch-year field was not independently re-established here. Current restrictions include USA and India, with additional permanent and temporary country exclusions in the eligibility guide.
Before purchasing
- Select the exact program, virtual size, account currency and platform.
- Compare its fee with the risk allowance and phase/time requirements.
- Save the daily calculation basis, UTC reset and open-risk limit.
- Review the current payout cycle, minimum, method fees and country availability.
- Use the free trial to inspect the platform before risking a challenge fee.
Who Is Fintokei Best For?
ProTrader fits traders who want conventional loss room; SwiftTrader suits highly controlled low-drawdown strategies; StartTrader fits traders who prefer smaller staged targets and can maintain consistent daily performance.
Final Verdict
Fintokei is a credible multi-program option with good rule transparency. ProTrader is the most balanced model, while SwiftTrader should be chosen only after the strategy has demonstrated drawdown well below 3%.
Rules can change after this review. Save the version of the rules shown at purchase, check the dashboard before each trading session, and confirm payout eligibility before taking additional risk.
Official Sources Checked
Trading Conditions
- Profit split
- Typically 80% to 90%, with some StartTrader progression from 50% toward 100%
- Max drawdown
- 3% to 10% by program
- Daily drawdown
- 2% to 5% by program
- Profit target
- ProTrader/Swing 8% then 6%; SwiftTrader 6%; StartTrader 2%/3%/6%
- Min trading days
- 3 days
- Payout frequency
- 14-day eligibility; SwiftTrader additionally 3% profit; instant processing method conditional
- Platforms
- TradingView, MetaTrader 5, cTrader; region/program dependent
- Instruments
- Forex, CFD metals, energies and indices; no current crypto/stock trading
- News tradingAllowed
- EAs / botsAllowed
- Copy tradingAllowed
Audit Points
- 1Official program and payout pages checked 3 October 2026; existing 78/100 editorial score preserved.
- 2ProTrader Swing added:5% balance-based daily reset,10% overall loss and swap-free holding.
- 3All 23 current published USD base-fee configurations documented.
- 4Current platforms are TradingView, MT5, cTrader; crypto/stock trading removed from instruments.
- 5September 1 payout guide requires 14-day eligibility even when marketing describes instant processing.
- 6SwiftTrader dedicated 2%/3% limits conflict with older general FAQ 3%/6%; version caution included.
- 7No site-supplied coupon recorded; no unrelated promotion introduced.
Fintokei — Frequently Asked Questions
Fintokei offers protrader 2-step, swifttrader 1-step and starttrader multi-phase paths for simulated Forex/CFD trading. Read the program table because the loss and payout rules differ by model.
ProTrader 8% then 6%; SwiftTrader 6%; StartTrader 2%, 3% and 6%. The funded stage normally removes the evaluation target, but payout eligibility can still include consistency or minimum-profit conditions.
Daily loss: 2% to 5% by program. Maximum loss: 3% to 10% by program. The exact calculation depends on the selected program.
Typically 80% to 90%, with some StartTrader progression from 50% toward 100%. Add-ons, scaling milestones and payout-cycle choices can change the effective share.
A two-step 8%/6% program with 5% balance-based daily calculation,10% static overall loss and swap-free holding. Equity still determines breaches.
No. The current payment guide gives 14-day eligibility, with KYC and positions closed; SwiftTrader also needs 3% profit. Instant describes supported processing after eligibility.
The current global program FAQ excludes crypto and stock trading. Some payout methods use cryptocurrencies, which is different.
TradingView, MetaTrader 5 and cTrader are listed in the current global program menu, subject to account and regional availability.
Published USD one-time fees start at $44 for StartTrader/SwiftTrader, $49 for ProTrader and $69 for Swing. This review includes all 23 listed configurations.
Its product table limits the contribution from one day to 40% of the phase profit target. Its dynamic reward is calculated separately for each payout.
No site-supplied Fintokei code is recorded. Regular fees are shown without an invented discount.
Yes, within its own-strategy rules. You may use systems you created or individually configured and copy your own trades from your broker or prop accounts. Other people's signals, shared unmodified strategies and opposite trades across accounts are prohibited.