Fintokei Review
Fintokei Review 2026: Rules, Drawdown, Payouts and Trading Conditions
Fintokei is a Czech evaluation provider associated with the Purple trading group. It offers three very different risk profiles: 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: This is a document-based editorial audit completed on 27 August 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 2-Step, SwiftTrader 1-Step and StartTrader multi-phase paths
- 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 some StartTrader progression from 50% toward 100%
- Payout access: Instant or scheduled access after each program's eligibility conditions
- Platforms: MetaTrader 4, MetaTrader 5 and cTrader subject to region/program
- Markets: Forex, metals, indices, commodities and selected crypto CFDs
Account Types and Evaluation Rules
| Program | Evaluation target | Daily limit | Maximum loss | Minimum days | Funded-stage headline |
|---|---|---|---|---|---|
| ProTrader | 8% then 6% | 5% | 10% static | 3 profitable days per phase | 80% initial performance reward |
| SwiftTrader | 6% | 2% | 3% static | Minimum 3 days; 60-day maximum | 90% performance reward |
| StartTrader | 2%, 3%, then 6% | 3% | 6% static | 3 days; 180-day phase limit | 50% to 100% progression |
The figures above are not interchangeable. A trader should select one program first and build the risk plan around that program's exact drawdown calculation, reset time, consistency rule and funded-stage conditions.
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.
Payout Rules and Profit Split
ProTrader starts around an 80% performance reward, SwiftTrader advertises 90%, and StartTrader can progress from a lower initial share toward 100%. Instant-payout marketing still requires the account to meet minimum profit and conduct conditions; it does not override review, KYC or program-specific time/minimum-day rules.
News Trading, Holding, EAs and Copy Trading
Holding, news and EA permissions depend on the selected program and platform. Fintokei can require stop losses, reduce leverage or impose a 40% consistency test when risk behavior triggers review. Traders using automated systems should confirm uniqueness and the current prohibited-practices policy before connecting software.
Platforms, Instruments and Leverage
Fintokei's platform menu can include MT4, MT5 and cTrader depending on region and product. 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.
- Three distinct risk profiles instead of one generic challenge.
- 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.
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.
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 8% then 6%; SwiftTrader 6%; StartTrader 2%, 3% and 6%
- Min Trading Days
- 3 days
- Payout Frequency
- Instant or scheduled access after each program's eligibility conditions
- Platforms
- MetaTrader 4, MetaTrader 5 and cTrader subject to region/program
- Instruments
- Forex, metals, indices, commodities and selected crypto CFDs
Audit Points
- 1Fintokei was reviewed against current official program and rules pages on 27 August 2026.
- 2Program structure: ProTrader 2-Step, SwiftTrader 1-Step and StartTrader multi-phase paths.
- 3Profit target summary: ProTrader 8% then 6%; SwiftTrader 6%; StartTrader 2%, 3% and 6%.
- 4Daily loss summary: 2% to 5% by program.
- 5Maximum loss summary: 3% to 10% by program.
- 6Profit-share summary: Typically 80% to 90%, with some StartTrader progression from 50% toward 100%.
- 7This is a document-based editorial review, not a first-hand trading or payout test.
- 8Coupon and discount information is intentionally excluded.
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.
Instant or scheduled access after each program's eligibility conditions. A request is still subject to the current eligibility, KYC and conduct review.
MetaTrader 4, MetaTrader 5 and cTrader subject to region/program. Availability can vary by country and program.
No. This firm page intentionally contains no coupon, discount or promotional code.