Fxify Review
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FXIFY is a prop firm offering one, two and three-phase evaluations on accounts from $5,000 to $400,000, with profit splits reaching 90% and payouts available on demand. Traders can use MT4, MT5, DXtrade or TradingView. Drawdown limits and consistency rules differ by plan.
Up to 90% Profit Split
On-Demand Payouts
Account Sizes
MT4 / MT5 / DXTrade
FXIFY at a Glance — Brand Profile & Stats
Who is FXIFY?
FXIFY
Broker-backed multi-asset prop firm
Headquarters
🇬🇧 United Kingdom
Founded
2023
Offices
4 Global Offices
Team
100+ Professionals
Active Traders
250K+
Countries Served
200
Why it matters: FXIFY is broker-backed and part of a global fintech group with 20+ years of FX experience — meaning real liquidity, regulated infrastructure, and durable payout capacity rather than a thin reseller layer.
What 5,042 Real Traders Say
4.4
★★★★½
5,042 reviews on Trustpilot · Rated "Great"
"Smooth process from buying to payout received"
— Imran Nawab · Verified
"I am very satisfied with FXIFY support — they respond instantly"
— Omer M. · Verified
"FXIFY is great — customer support is very prompt"
— Jonathan Evans · Verified
The takeaway: Traders consistently praise support speed, platform reliability, and smooth withdrawals. The lower-rated reviews focus mostly on price-feed disputes — common across raw-spread prop firms.
The Cheapest Path to $100K Funded
Cheapest verified path to a $100K FXIFY account
| Program | Fee | After FXIFYFSJLJY |
|---|---|---|
| 2-Phase Classic ($100K) | $549 | $494.10 |
| 1-Phase Classic ($100K) | $549 | $494.10 |
| Lightning Challenge ($100K) | $399 | $359.10 |
Why it matters: The fee is 100% refundable on first payout. With promo code FXIFYFSJLJY (10% off) the effective cost-per-$1K of capital drops to ~$3.59 on the Lightning route, or ~$4.94 on the 2-Phase Classic — competitive against FundedNext and The Funded Trader at the same size.
Platform Stack (Pick at Checkout)
Choose the platform that matches your strategy
MetaTrader 4
EAs, indicators, scripts — the de-facto standard for FX algo traders.
MetaTrader 5
Multi-asset, depth-of-market, native stocks & commodities support.
DXtrade
Web-based broker platform — no install, faster onboarding, modern UI.
TradingView
Charting and execution on TradingView — for discretionary chart-readers.
Pro tip: FXIFY lets you pick your platform at checkout — but you cannot switch later. EA users should default to MT4/MT5; scalpers using TradingView indicators should choose TradingView from the start.
Markets, Leverage & Spreads
300+ symbols across 6 asset classes
💱 FX Majors & Minors
🥇 Gold & Silver
📊 Indices
🛢 Oil & Energies
📈 Stocks
₿ Crypto
Leverage up to 30:1 by default and up to 50:1 via the optional leverage add-on. Spreads start from 0.0 pips on majors and gold when you select the RAW pricing model at checkout.
Why it matters: RAW pricing adds a per-side commission but lets scalpers harvest tight spreads. All-In pricing is commission-free with wider spreads — better for swing traders who hold overnight.
The 3 Rules That Actually Fail Traders
The 3 rules that actually fail FXIFY traders
1. Daily Loss Limit (4–5% of start balance)
Calculated from your end-of-previous-day balance at 5 PM EST. Breach this and the account is closed — no warning.
2. Max Drawdown (Static or Trailing)
Static stays fixed at original balance. Trailing follows highest balance until it locks at initial balance + 5% on funded accounts. Trailing is harder for scalpers.
3. Consistency Rule (varies by plan)
Your best trading day cannot represent more than a set % of total profit. Skipping this disqualifies the payout — not the account.
Top FXIFY Alternatives
FundedNext
FundedNext
Rewards from 80%, up to 95% with the paid add-on · $200K max account · rewards inside 24 hours
✅ 95% split
✅ Stellar program option
✅ Refundable fee
✅ 80%+ Trustpilot
Pick if: You want the highest split available and don't need futures.
The Funded Trader
The Funded Trader (TFT)
90% split · Multiple challenge types · Bi-weekly payouts
✅ Standard, Rapid, Royal
✅ Dragon & Knight modes
✅ Up to $600K scale
✅ Heavy promos
Pick if: You want lots of challenge variety and aggressive seasonal sales.
FTMO
FTMO
90% split (with scaling) · Industry-veteran since 2014 · 5-step scale plan
✅ Most trusted brand
✅ FTMO Trader app
✅ Scaling to $2M
⚠️ Fewer promo discounts
Pick if: Reputation and longevity matter more than discounted entry fees.
MyForexFunds Alternative — E8 Funding
E8 Funding
80% split · Strong 8% targets · Fast scaling to $1M
✅ E8 Track program
✅ Up to $400K
✅ Daily drawdown reset
✅ MT4/MT5 supported
Pick if: You want simple rules and aggressive scaling plans.
If you want another UK-based firm, also compare our FTUK and Audacity Capital reviews.
What are FXIFY's account sizes and drawdown rules?
$10K — Entry Account
Starting Capital$10,000
Daily Loss Limit5% ($500)
Max Drawdown10% ($1,000)
Profit Target P18% ($800)
Profit Target P25% ($500)
Why it matters: Best entry sandbox to learn FXIFY mechanics. 4-day minimum trading days applies — no shortcuts.
$100K — Sweet Spot
Starting Capital$100,000
Daily Loss Limit5% ($5,000)
Max Drawdown10% ($10,000)
Profit Target P18% ($8,000)
Profit Target P25% ($5,000)
Why it matters: Most chosen size by FXIFY traders — large enough that a 10% profit split on a single payout justifies the entry fee.
$400K — Maximum Funding
Starting Capital$400,000
Daily Loss Limit5% ($20,000)
Max Drawdown10% ($40,000)
Profit Target P18% ($32,000)
Scale PlanUp to $4,000,000
Why it matters: Top tier — pair with 90% performance-split add-on and bi-weekly payouts to maximize compounded withdrawals.
How do FXIFY's evaluation modes and consistency rule work?
Lightning Challenge (1-step) — 5% Target
Lightning — Fastest Path to Funded
Steps
1 phase
Profit Target
5%
Daily Loss
3%
Max Drawdown
6%
Min Days
4 days
Fees from
$59
Best for: Aggressive day-traders who hit 5% targets in a week. Lower drawdown means tight risk control.
One Phase (1-step) — 8% Target
One Phase — Single Evaluation, Real Funding
Steps
1 phase
Profit Target
8%
Daily Loss
4%
Max Drawdown
5–6%
Min Days
4 days
Consistency
N/A on funded
Best for: Traders who want to skip a 2nd phase but still take a more relaxed pace than Lightning. NEW40 promo applies here.
Two Phase Classic — 8% / 5%
Two Phase — The Industry Standard
Steps
2 phases
P1 / P2 Targets
8% / 5%
Daily Loss
5%
Max Drawdown
10%
Drawdown Type
Static (Classic)
Consistency
N/A on funded
Best for: Conservative swing-traders. Static drawdown means a bad day doesn't trail your equity peak.
Three Phase — Cheapest Entry
Three Phase — Lowest Upfront Fee
Steps
3 phases
Targets
6% / 6% / 6%
Daily Loss
5%
Max Drawdown
8%
Min Days
4 days
Fee
From $39
Best for: Beginners who want to invest the smallest amount in their first evaluation. Trade-off: longer path to funded.
How much does it cost to trade with FXIFY?
Choose Pricing Model — Free at Checkout
RAW vs All-In Pricing
RAW
Spreads from 0.0 pips + commission
All-In
Wider spreads, no commission
Why it matters: Selectable at checkout for free. Scalpers usually prefer RAW; swing/position traders typically prefer All-In.
Live Data & Platform Access — Included
No platform fees, no data fees
MT4, MT5, DXtrade, and TradingView are all provided at no additional cost. Live price feed is included for the full life of the account.
Why it matters: Unlike futures prop firms that charge $40–$165/month for data feeds, FXIFY bundles everything in the challenge fee. The fee itself is refunded on your first payout.
Per-Trade Commission (RAW only)
RAW commission rates
| Asset Class | Per Lot (Round Turn) |
|---|---|
| FX Majors | $7 |
| Gold/Silver | $7 |
| Indices | Variable |
| Crypto | 0.15% |
Why it matters: $7/lot RT is mid-pack for prop firms (FTMO charges ~$6–$8 depending on broker). Switch to All-In to remove commissions if you trade high frequency.
Which countries cannot use FXIFY?
Country Eligibility
Country eligibility for FXIFY accounts
Due to AML, sanctions, and licensing constraints, FXIFY does not onboard traders from the following jurisdictions:
🇺🇸 USA
🇮🇷 Iran
🇰🇵 North Korea
🇸🇾 Syria
🇸🇩 Sudan
🇨🇺 Cuba
🇦🇫 Afghanistan
🇲🇲 Myanmar
🇧🇾 Belarus
🇷🇺 Russia
🇻🇪 Venezuela
🇿🇼 Zimbabwe
Important: The list updates whenever sanctions change. Always check current FXIFY Terms before checkout — accounts from restricted regions are voided without refund.
Video Guides & Reviews
Watch Before You Buy
📺 Watch before you buy — 4 independent reviews
FXIFY Pros and Cons
✅ Pros
- Up to 90% profit split via on-demand payouts add-on — among the highest in the FX prop industry.
- First payout on demand from the very first funded trading day — no 14-day waiting window.
- $5K to $400K account sizes, scalable up to $4M after profit milestones.
- Broker-backed by a parent fintech group with 20+ years of FX experience — real liquidity, not synthetic.
- 4 platforms supported: MT4, MT5, DXtrade, and TradingView. EAs, scalping, and weekend holds all allowed.
- 100% refundable fee on first payout. Active promo FXIFYFSJLJY = 10% off.
- Trustpilot 4.4 / 5 from 5,042 reviewers — verified "Great" rating.
⚠️ Cons
- USA traders excluded — biggest single market for FX prop is off-limits.
- Default leverage 30:1 — to get 50:1 you must buy the leverage add-on at checkout.
- Add-on stacking (90% split, bi-weekly, performance-protect, leverage) inflates total cost vs FundedNext or FTMO.
- Platform locked at checkout — choosing MT5 then wanting TradingView later requires a new account.
- Daily loss limit cuts at 5 PM EST — Asia-session traders need to plan around that exact cut-off.
- No futures on the main plan — futures sit in a separate "FXIFY Futures" program with different rules.
How much does an FXIFY prop firm account cost?
🎁 10% OFF with code FXIFYFSJLJY · Exclusive ToFX reader code
All FXIFY fees are 100% refundable on your first profitable payout. Cost-per-$1K of funded capital after the FXIFYFSJLJY discount lands between $4.94 (2-Phase $100K) and $5.31 (Lightning $10K) — above FundedNext (~$3.45/$1K) but still under FTMO (~$5.45/$1K).
Lightning $10K
1-step · 5% target
$59
$53.10
$10K account · After FXIFYFSJLJY
Target: 5% / DL 3% / DD 6%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
Lightning $25K
1-step · Fast
$149
$134.10
$25K account · After FXIFYFSJLJY
Target: 5% / DL 3% / DD 6%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
Lightning $100K
1-step · Best value
$399
$359.10
$100K account · After FXIFYFSJLJY
Target: 5% / DL 3% / DD 6%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
1-Phase $50K
One Phase · 8% target
$379
$341.10
$50K account · After FXIFYFSJLJY
Target: 8% / DL 4% / DD 6%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
1-Phase $100K
One Phase · Sweet spot
$549
$494.10
$100K account · After FXIFYFSJLJY
Target: 8% / DL 4% / DD 6%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
2-Phase $5K
Cheapest entry
$59
$53.10
$5K account · After FXIFYFSJLJY
Target: 5% / 5% / DL 4%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
2-Phase $50K
Classic Static
$379
$341.10
$50K account · After FXIFYFSJLJY
Target: 8% / 5% / DL 5%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
2-Phase $100K
Most popular
$549
$494.10
$100K account · After FXIFYFSJLJY
Target: 8% / 5% / DL 5%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
1-Phase $200K
Pro size
$1,049
$944.10
$200K account · After FXIFYFSJLJY
Target: 8% / 5% / DL 5%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
1-Phase $400K
Max funding
$2,950
$2,655.00
$400K account · After FXIFYFSJLJY
Target: 8% / 5% / DL 5%
Min days: 4 · Refund on payout
Get This PlanMin days: 4 · Refund on payout
FXIFY vs Topstep vs Apex Trader Funding
How FXIFY stacks up against the two biggest US futures prop firms — useful for traders weighing FX vs futures markets. Prefer an FX-versus-FX matchup? Read our FXIFY vs Goat Funded Trader comparison.
Bottom line: If you trade FX, indices, or crypto and you're outside the USA, FXIFY is the most flexible choice. If you trade futures or live in the US, Topstep or Apex remain the practical defaults.
Is FXIFY legit and worth it?
★ Check Trustpilot for current rating
FXIFYFSJLJY → 10% OFF · Refund on first payout
FXIFY
90% split · On-demand payouts · $5K–$400K
★ 4.4 / 5 · 5,042 reviews
First payout on demand
Try FXIFY →Why traders pick FXIFY over generic prop firms comes down to three real advantages: a broker-backed parent company with two decades of FX expertise, on-demand payouts from your first funded trading day, and four mainstream platforms (MT4, MT5, DXtrade, and TradingView) — all bundled with no platform or data fees.
For active FX, indices, and gold traders, the 90% performance split combined with refundable challenge fees keeps your effective cost-per-$1K of funded capital below FundedNext and FTMO at most account sizes. Promo code FXIFYFSJLJY currently takes 10% off the challenge fee — bringing a $100K 2-Phase challenge down to about $494 net.
The trade-offs are real: USA residents are excluded, default leverage starts at 30:1 (50:1 add-on costs extra), and add-on stacking can inflate the total cost if you tick every box at checkout. But for non-US traders who want to run EAs, hold positions through weekends, and withdraw whenever they choose, FXIFY is one of the cleanest deals on the market in 2026.
Frequently Asked Questions
FXIFY is operated by a UK-incorporated entity backed by a parent fintech group with 20+ years of FX brokerage experience. As a prop firm it's not a broker that requires retail FX regulation, but liquidity is sourced from a regulated broker — and Trustpilot's 4.4 / 5 rating across 5,042 reviews supports its legitimacy.
FXIFY applies a consistency rule during the evaluation phase only — your single best trading day cannot exceed a set percentage of total profit. On a funded account, the consistency rule no longer applies for most plans (One Phase, Two Phase). Lightning enforces consistency throughout.
FXIFY supports MetaTrader 4, MetaTrader 5, DXtrade, and TradingView. You pick your platform at checkout and it cannot be changed later. MT4 and MT5 are best for EAs; TradingView is best for chart-driven discretionary traders.
Eight sizes from $5,000 up to $400,000 starting capital, with scaling up to $4,000,000. The most popular tier with our readers is the $100K 2-Phase Classic at $549 (or $494.10 after the FXIFYFSJLJY promo).
FXIFY offers up to 90% split, on-demand first payouts, and 4 platforms versus FundedNext's 95% split (with more conservative limits), FTMO's veteran reputation with a 90% split after scaling, and TFT's heavy promo discounting. FXIFY's broker-backed model is the differentiator.
Static drawdown stays fixed at your original starting balance — even if your account grows to 130%, the max-loss line stays where it started. Trailing drawdown follows your highest balance until it locks at start + 5% on the funded account. Scalpers usually prefer Static.
FXIFY offers first-payout-on-demand on 1-Phase, 2-Phase, and 3-Phase evaluation accounts — request immediately after closing your first profitable trade. Subsequent payouts follow either the 14-day or 30-day cycle by default, or bi-weekly if you buy the add-on.
Pros: 90% split, on-demand payouts, broker-backed, MT4/MT5/DX/TradingView, refundable fees, 250K+ active traders, Trustpilot 4.4. Cons: USA excluded, default 30:1 leverage, add-on stacking can inflate cost, platform locked at checkout.
FXIFY calculates the daily loss limit based on your equity at 5 PM EST (the start of each new trading day). If equity drops below that level by more than 4–5% (plan-dependent), the account is breached and closed.
For FX prop firms: FundedNext (95% split), The Funded Trader (multi-program), FTMO (industry veteran), and E8 Funding (aggressive scaling). For futures traders: Topstep, Apex Trader Funding, BluSky Trading, and MyFundedFutures.