Fintokei
Czech Republicwww.fintokei.com
Fintokei is a Czech Republic-based CFD prop trading and evaluation company, operated by Fintokei a.s. (registered in Brno) and established in April 2023, with cTrader trading infrastructure connected to Purple Trading Seychelles. The firm positions itself as a trading education and evaluation company rather than a conventional broker, and states that its accounts are simulated, using real market quotes from liquidity providers without live market execution. Its current lineup spans four programs: ProTrader (2-Step, 8%/6% phase targets, 5% daily loss, 10% static maximum loss, 1:0.71 PT:DD, 80% profit split, 5K-400K), ProTrader Swing (2-Step, same targets and risk parameters as ProTrader but designed for longer holding periods, 5K-200K), SwiftTrader (1-Step, 6% target, 2% daily loss, 3% static maximum loss, 1:0.6 PT:DD, 90% profit split, 5K-200K, with payouts conditioned on a minimum 3% profit every 14 days), and StartTrader (3-Step, 2%/3%/6% phase targets, 3% daily loss, 6% static maximum loss, 1:0.55 PT:DD, 5K-100K). The supplied pricing data lists StartTrader's profit split as a flat 50%, which differs from the firm's published Dynamic Performance Reward model described as ranging from 50% to 100% based on trading days, leverage management, prior payouts, and consistency — this is flagged here rather than silently resolved, since the pricing table is the source of truth for challenge-level figures per current instruction, while the DPR mechanic itself is documented in payouts.firstPayout. Trading is available through MT4, MT5, cTrader, and TradingView (the last via a connected cTrader account), with commission of $6 per round lot on Forex and metals and no commission on indices, energy, or cryptocurrency. News trading is permitted without a restricted window, and overnight and weekend holding are allowed, though new weekend trading activity is not available even though positions may remain open. Fintokei restricts third-party EAs, copy trading, tick-scalping (positions under 10 seconds), profit-target concentration through a single large trade, cross-account hedging, and account-rolling behavior, and reserves a range of responses to violations (warnings, reduced risk, consistency restrictions, reduced leverage) rather than automatic termination in all cases. The supplied information does not independently establish regulatory authorization or licensing status for Fintokei a.s. or its technical-infrastructure partner AXSE Brokerage Ltd. (Seychelles), so Fintokei should not be described as a regulated financial institution unless separately verified.
Challenge Programs
ProTrader (2-Step)
| Account | Steps | Target | Daily loss | Max Loss | Split | Price | |
|---|---|---|---|---|---|---|---|
| $5,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $49.00$39.20 | Buy |
| $10,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $99.00$79.20 | Buy |
| $20,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $159.00$127.20 | Buy |
| $50,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $329.00$263.20 | Buy |
| $100,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $549.00$439.20 | Buy |
| $200,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $1,249.00$999.20 | Buy |
| $400,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $2,599.00$2,079.20 | Buy |
ProTrader Swing (2-Step)
| Account | Steps | Target | Daily loss | Max Loss | Split | Price | |
|---|---|---|---|---|---|---|---|
| $5,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $69.00$55.20 | Buy |
| $10,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $119.00$95.20 | Buy |
| $20,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $199.00$159.20 | Buy |
| $50,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $419.00$335.20 | Buy |
| $100,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $679.00$543.20 | Buy |
| $200,000 | 2 Steps | 8% (Phase 1) / 6% (Phase 2) | 5% | 10% (Static) | 80% | $1,499.00$1,199.20 | Buy |
SwiftTrader (1-Step)
| Account | Steps | Target | Daily loss | Max Loss | Split | Price | |
|---|---|---|---|---|---|---|---|
| $5,000 | 1 Step | 6% | 2% | 3% (Static) | 90% | $44.00$35.20 | Buy |
| $10,000 | 1 Step | 6% | 2% | 3% (Static) | 90% | $89.00$71.20 | Buy |
| $20,000 | 1 Step | 6% | 2% | 3% (Static) | 90% | $144.00$115.20 | Buy |
| $50,000 | 1 Step | 6% | 2% | 3% (Static) | 90% | $299.00$239.20 | Buy |
| $100,000 | 1 Step | 6% | 2% | 3% (Static) | 90% | $499.00$399.20 | Buy |
| $200,000 | 1 Step | 6% | 2% | 3% (Static) | 90% | $1,099.00$879.20 | Buy |
StartTrader (3-Step)
| Account | Steps | Target | Daily loss | Max Loss | Split | Price | |
|---|---|---|---|---|---|---|---|
| $5,000 | 3 Steps | 2% (Phase 1) / 3% (Phase 2) / 6% (Phase 3) | 3% | 6% (Static) | 50% | $44.00$35.20 | Buy |
| $20,000 | 3 Steps | 2% (Phase 1) / 3% (Phase 2) / 6% (Phase 3) | 3% | 6% (Static) | 50% | $119.00$95.20 | Buy |
| $50,000 | 3 Steps | 2% (Phase 1) / 3% (Phase 2) / 6% (Phase 3) | 3% | 6% (Static) | 50% | $244.00$195.20 | Buy |
| $100,000 | 3 Steps | 2% (Phase 1) / 3% (Phase 2) / 6% (Phase 3) | 3% | 6% (Static) | 50% | $419.00$335.20 | Buy |
Payment Methods
- Credit/Debit Card
- Apple Pay
- Google Pay
- Cryptocurrency
- SEPA Bank Transfer
- Domestic Bank Transfer (JPY)
Challenge payments support Visa, Mastercard, Maestro, and JCB cards, Apple Pay, Google Pay, crypto, SEPA transfer for EUR challenges, domestic bank transfer for JPY challenges, and Walletory where eligible. Payout methods are a separate set: Bank Wire Transfer, Cryptocurrency, and Walletory (Instant Payouts up to $10,000). KYC verification must be completed before a payout request can be made.
Pros & Cons
CREDITS12
- Established in April 2023, giving it a longer operating history than many newer prop firms
- Offers 1-Step, 2-Step, and 3-Step evaluation models
- Supports MT4, MT5, cTrader, and TradingView
- Access to Forex, metals, indices, energy, and cryptocurrency CFDs
- ProTrader offers up to 1:100 leverage on Forex and Gold/Silver, with no maximum evaluation time
- SwiftTrader offers a 1-Step route to virtual funding with a 90% Performance Reward
- ProTrader and ProTrader Swing start at an 80% Performance Reward, with loyalty/scaling mechanisms available
- StartTrader's Dynamic Performance Reward can range from 50% to 100%
- News trading is unrestricted, with no high-impact-news trading window
- Overnight and weekend holding are allowed; ProTrader Swing offers swap-free trading for accounts purchased from July 15, 2026
- Instant Payouts through Walletory can make eligible payouts available within seconds
- Detailed, publicly published risk-management and rule documentation
DEBITS12
- Fintokei operates simulated accounts, not conventional live brokerage accounts
- Does not offer stocks or futures; market offering is CFD-based only
- Maximum allowed open-trade risk is 3%, and violations can trigger additional restrictions
- Prohibits third-party EAs and copy trading, including external signals and trade mirroring
- Tick scalping under 10 seconds is restricted
- Consistency restrictions can potentially apply across multiple accounts under the same profile
- Crypto payout fees can be significant, and crypto payouts are unavailable in some countries
- MT4/MT5 are not available to U.S. residents
- TradingView works only through cTrader integration, and some features (e.g. trailing stops) are unavailable there
- StartTrader's profit split is variable (Dynamic Performance Reward) rather than a fixed payout percentage, and the pricing data lists it at a flat 50% at the challenge level
- SwiftTrader has relatively tight 2% daily and 3% maximum loss limits under its current post-July 2026 rules
- Insufficient information in the supplied data to independently establish regulatory authorization or licensing status
Trading Rules
- Four program formats: SwiftTrader (1-Step), ProTrader (2-Step), ProTrader Swing (2-Step, longer holding periods), and StartTrader (3-Step)
- Minimum trading days: 3 across ProTrader, ProTrader Swing, and SwiftTrader; StartTrader phases are each capped at 180 days
- Maximum open-trade risk is capped at 3%, based on the firm's Trade Idea and Group of Open Trades methodology
- A trade lasting less than 10 seconds falls under Fintokei's tick-scalping definition; continued excessive tick-scalping can result in an account breach
- At least one trade must be opened every 30 days on virtually funded accounts
- Attempting to complete an evaluation through a single all-in trade or a small number of highly concentrated trades is prohibited
- Multiple profiles, unauthorized third-party payments, account sharing, and concealing the true trader identity are prohibited
- Instrument-specific maximum order sizes apply and are published in Fintokei's symbols specification
- MT4 and MT5 are not available to U.S. residents, who are directed toward cTrader
- Violations do not automatically trigger termination — depending on severity, Fintokei may issue warnings, reduce permitted risk, apply consistency restrictions, reduce leverage, limit daily profit, restrict news trading, or restrict Instant Payout availability
- Leverage varies by program: Forex/Metals 1:100 (ProTrader) or 1:25 (SwiftTrader/ProTrader Swing/StartTrader); Indices 1:50 (ProTrader) or 1:20 (others); Energy 1:20 (ProTrader) or 1:10 (others); BTC/USD & BTC/JPY 1:2 across all programs; other crypto CFDs 1:1 across all programs
Restricted strategies
Fintokei's risk-management process is graduated rather than binary: depending on severity and context, violations of the above can result in warnings, reduced permitted risk, consistency restrictions, reduced leverage, limited daily profit, or restricted news trading/Instant Payout access, rather than automatic termination in every case. Consistency restrictions can potentially apply across multiple accounts under the same profile.
News trading
- Allowed
News trading is permitted firm-wide; traders can open and close positions before, during, and after significant news events. Fintokei does not impose the common 2-, 4-, or 5-minute high-impact-news trading window found at many CFD prop firms. This does not override the general prohibition on one-sided betting, gambling-style trading, or attempting to generate the entire profit target through a single high-volatility event.
Payouts & Trading Costs
- Payout frequency
- ProTrader, ProTrader Swing, and StartTrader: every 14 days since the first trade or previous successfully processed payout. SwiftTrader: every 14 days, conditioned on a minimum 3% profit.
- Processing time
- Instant Payouts via Walletory are available up to $10,000; standard bank wires, crypto withdrawals, and larger Walletory payouts are generally sent within one business day after approval. KYC verification must be completed before any payout request.
- Profit split
- Up to 90% — SwiftTrader offers the highest fixed split at 90% (for accounts purchased from July 15, 2026). ProTrader and ProTrader Swing start at 80% with loyalty/scaling increases available. StartTrader uses a Dynamic Performance Reward ranging 50%-100%, though the supplied pricing table lists a flat 50% at the challenge level.
- Payout routing
- Bank transfer, Walletory e-wallet, or crypto wallet (crypto available only in selected countries).
- Minimum withdrawal
- Generally 100 EUR, 100 USD, 2,000 CZK, or 20,000 JPY.
- Trading costs
- Confirmed as $3 one-way / $6 round trip per 1 lot for applicable CFD trading. Since August 2025, CFD indices and cryptocurrency trading have been commission-free. Actual trading costs can still vary through instrument-specific spreads and trading conditions.
Trust & Safety
Fintokei is a Czech Republic-based CFD prop trading and evaluation company, operated by Fintokei a.s. (Brno) and established in April 2023, with AXSE Brokerage Ltd. (Seychelles) identified as an entity providing technical infrastructure. The firm publishes detailed documentation covering its corporate structure, simulated-trading model, program terms, drawdown rules, leverage, platform availability, payout process, prohibited strategies, and risk-management procedures. Fintokei is explicit that its accounts are simulated rather than live trading accounts, using real market quotes from liquidity providers without live market execution, and describes itself as a trading education and evaluation company rather than a broker or deposit-taking institution.
- Legal entity
- Fintokei a.s., registered in Brno, Czech Republic; technical infrastructure also identified as operated by AXSE Brokerage Ltd. in Seychelles.
- Regulated
- No
The supplied data does not establish regulatory authorization or licensing status for Fintokei a.s. or AXSE Brokerage Ltd. Fintokei describes itself as a trading education and evaluation company using virtual money on simulated accounts; it should not be presented as a regulated financial broker or exchange, and challenge fees are not protected by financial compensation schemes.
The supplied information does not independently establish regulatory authorization or licensing status for Fintokei a.s. or AXSE Brokerage Ltd. Fintokei provides simulated trading evaluations; it should not be presented as a regulated financial broker or exchange, and challenge fees are not protected by financial compensation schemes. Traders should review the maximum open-trade risk rule, tick-scalping definition, restrictions on third-party EAs and copy trading, all-in/profit-target concentration rules, and profile-level consistency measures before selecting a program.
Trading carries risk. Evaluation programs like this one involve simulated accounts and non-refundable fees; review the firm’s current terms directly before purchasing. This page is informational and not financial advice.