Fintokei Review

Fintokei is a proprietary trading firm founded in 2021 and headquartered in Brno, Czech Republic. Backed by Purple Trading (an established CFD broker with 15+ years in the industry), Fintokei offers funded accounts from €1,000 to €400,000 with scaling up to €4 million. The firm holds a 4.8/5 Trustpilot rating, has paid out over €15 million to traders, and was the first FX/CFD prop firm to introduce instant payouts. Trading is available on MT4, MT5, cTrader, and TradingView.

How Fintokei Works

Fintokei offers three evaluation models — a 1-step, 2-step, and 3-step programme — giving traders flexibility based on their experience and risk appetite. The firm's connection to Purple Trading provides institutional-grade execution and a level of operational credibility that standalone prop firms cannot match.

Entry fees start from around €99, and all fees are refundable upon successfully passing the evaluation. The firm has a strong presence in Japan and Europe, having entered the Japanese market in early 2023.

Programme Overview

SwiftTrader

A single-phase evaluation for traders who want the fastest route to funding. Profit splits range from 50% to 80% depending on the account tier. The lower split reflects the reduced evaluation burden — pass one phase and start trading funded capital immediately.

ProTrader

The standard two-phase evaluation with an 80% profit split. The ProTrader account requires a minimum of €10,000 and provides access to the full instrument range. This is the most comparable option to FTMO's 2-step challenge.

3-Step Programme

The most thorough evaluation with three phases but the highest potential profit split — up to 95%. This suits traders who are willing to invest more time in proving their consistency for a better long-term reward.

Pricing

Fintokei's evaluation fees are competitive and denominated in EUR:

• Entry-level plans start from approximately €99
• ProTrader €100K accounts are priced competitively against FTMO and other top-tier firms
• All fees are refundable upon successfully completing the evaluation
• 11 different account size options provide granular choice

Trading Rules

Fintokei's rules are among the most permissive in the industry. News trading, weekend holding, hedging, and EAs are all allowed without restriction. The 10% trailing loss is the primary risk management constraint — it trails the account's highest equity point, meaning drawdown limits tighten as profits grow.

Trading Platforms

• MetaTrader 4: Classic forex platform with full EA support
• MetaTrader 5: Multi-asset platform with advanced features
• cTrader: Level II pricing and cAlgo for algorithmic strategies
• TradingView: Chart-based trading integration

The four-platform offering is one of Fintokei's strengths. Few prop firms support TradingView alongside MT4, MT5, and cTrader. This gives traders genuine choice regardless of their preferred trading environment.

Instruments

• Forex: Major, minor, and exotic currency pairs
• Indices: Global stock indices CFDs
• Metals: Gold, silver, and other precious metals
• Energies: Crude oil, natural gas

The instrument range covers the core asset classes for most forex and CFD traders. Stock CFDs and crypto are not available — traders needing those markets should look at FundedNext or E8 Markets.

Profit Split and Payouts

Profit splits range from 50% (SwiftTrader entry-level) to 95% (3-Step programme). The standard ProTrader split is 80%.

Fintokei made headlines in 2025 by becoming the first FX/CFD prop firm to introduce instant payouts. Traders can withdraw profits with one click, with funds processed within an average of 3 hours. This is dramatically faster than the industry standard of 24-48 hours.

The firm has paid out over €15 million to traders since launch — verified and tracked publicly.

Scaling Plan

Fintokei offers scaling up to €4,000,000 in funded capital. The scaling plan progressively increases account size and profit split as traders demonstrate consistent performance across multiple payout cycles.

Who Is Fintokei Best For?

Fintokei suits traders who value execution quality, platform choice, and fast payouts. The backing of Purple Trading provides institutional-grade infrastructure that standalone prop firms lack, and the instant payout system is a genuine industry first.

The firm is particularly strong for:

• Traders who want TradingView alongside MT4/MT5 and cTrader
• Forex and indices traders focused on core markets
• Traders in Japan and Europe where Fintokei has strongest presence
• Those who prioritise fast payout processing

Fintokei is less suited to traders who need stock CFDs, crypto trading, or who prefer a US-based firm.

Final Thoughts

Fintokei combines the credibility of an established brokerage (Purple Trading) with competitive prop firm offerings. The instant payout system, four-platform support, and permissive trading rules make it a strong option in an increasingly crowded market. The 4.8/5 Trustpilot rating and €15M+ in verified payouts demonstrate reliability.

The main limitations are the absence of stock and crypto CFDs, and the trailing drawdown model which tightens as profits grow. For core forex and indices traders, Fintokei is an excellent choice backed by genuine institutional infrastructure.

Frequently Asked Questions

How much does the Fintokei challenge cost?

Fintokei evaluation fees start from approximately €99. The firm offers 11 different account sizes ranging from €1,000 to €400,000. All fees are refundable upon successfully completing the evaluation.

What is the profit split at Fintokei?

Profit splits range from 50% (SwiftTrader entry) to 95% (3-Step programme). The standard ProTrader split is 80%. Splits increase with account scaling and consistent performance.

Does Fintokei offer instant payouts?

Yes. Fintokei was the first FX/CFD prop firm to introduce instant payouts in 2025. Traders can withdraw profits with one click, with funds processed within an average of 3 hours.

What platforms does Fintokei support?

Fintokei supports MetaTrader 4, MetaTrader 5, cTrader, and TradingView — one of the broadest platform selections among prop firms.

Is Fintokei backed by a regulated broker?

Yes. Fintokei is backed by Purple Trading, an established CFD broker with over 15 years of industry experience. This provides institutional-grade execution and operational credibility.

What is Fintokei's maximum funded capital?

Fintokei offers scaling up to €4,000,000 in funded capital across all programmes.