Fintokei ProTrader vs ProTrader Swing vs SwiftTrader vs StartTrader (2026): Rules, Prices and the 20% BRIDGE Price

Quick answer: Fintokei sells four challenges. ProTrader (two steps, 8% and 6%, -5% daily, -10% max loss, 80% reward) suits most traders; ProTrader Swing has the same targets but a balance-based daily limit and swap-free trading; SwiftTrader is one step (6%, -2% daily, -3% max loss, 90% reward); StartTrader is three small steps (2%, 3%, 6%) for beginners. Code BRIDGE takes 20% off your first purchase on all four, verified on 14 October 2026. Today's price for every size is on our Fintokei coupon code page.

Most traders who fail a Fintokei challenge do not fail because they picked the wrong market. They fail because they picked the wrong programme for the way they trade. A swing trader on ProTrader gets caught by the midnight equity snapshot. A trader who likes room buys SwiftTrader because it looks cheap, then finds a -3% maximum loss. I went through every Fintokei programme page and help article on 14 October 2026 and put the rules side by side, so you can choose before you pay.

Fintokei Programmes at a Glance

Here is the whole picture in one table, from Fintokei's own pages.

What is the same on every Fintokei programme?

A few things do not change from plan to plan. Every programme is a one-time fee with no activation fee. Every programme has a maximum allowed risk on open trades of -3%. Every account needs at least one trade every 30 days. News trading, overnight holding and weekend holding are allowed everywhere. And every programme runs on TradingView, MetaTrader 5 or cTrader, with accounts in USD, EUR, CZK or JPY.

What really changes between them?

Three things: how much room you get (daily and maximum loss), how the daily loss is measured (equity or balance), and how much of the profit you keep (the reward ratio). Price follows from those. The rest of this guide goes through each programme with those three in mind.

How much does each Fintokei programme cost with BRIDGE?

List prices from Fintokei's programme pages on 14 October 2026; the second price is with BRIDGE on your first Fintokei purchase.

My experience: putting the four side by side changed my first impression. SwiftTrader and StartTrader look like the cheap options, but once you count the room they give you, ProTrader is the better deal for most people.

Fintokei ProTrader Rules Explained

ProTrader is Fintokei's flagship two-step challenge and the one I would point most traders to.

What are the ProTrader profit targets and limits?

You need 8% in phase 1 and 6% in phase 2. The daily loss limit is -5% and the maximum loss is -10% of the starting balance. Each phase needs at least 3 trading days, and there is no time limit. On a $100,000 account that is $8,000 then $6,000 of profit, with $5,000 of daily room and $10,000 of total room.

How is the ProTrader daily loss calculated?

Every day at midnight UTC, Fintokei takes a snapshot of your equity, which includes open trades. For the next 24 hours your equity may not fall more than 5% below that snapshot. Fintokei's own example: a $100,000 account that ends day one at $103,000 equity may not fall below $97,850 on day two. If day two ends at $101,000, day three's floor is $95,950.

This works in your favour when you close trades before midnight. It works against you when you hold a trade in profit over midnight, because that floating profit raises the next day's floor.

What happens after I pass ProTrader?

Fintokei asks you to verify your identity, sends a contract and sets up a virtually funded ProTrader account. On the funded account there is no profit target. You keep the same -5% daily and -10% maximum loss, you must trade at least once every 30 days, and you earn an 80% reward ratio, which can go higher through Fintokei's Loyalty Program boosts. ProTrader also has the highest leverage at Fintokei: 1:100 on forex, gold and silver, 1:50 on indices and 1:20 on the rest.

How many losing trades can a $100K ProTrader take?

Here is a simple worked example. Say you risk 0.5% of the starting balance per trade, which is $500 on a $100,000 account. The -5% daily limit ($5,000) lets you take about 10 full losses in one day before the account fails, and the -10% maximum loss ($10,000) about 20 in a row overall. If you risk 1% per trade ($1,000), those numbers halve to about 5 and 10. That is still a lot of room compared with most one-step challenges, and it is why I would size down rather than chase the 8% target quickly.

Remember the -3% risk rule as well: one setup should never risk more than $3,000 on this account, even if you split it into several orders.

My experience: no time limit is the rule I value most here. It means a slow month does not cost you the challenge, and you can trade your normal size instead of rushing.

ProTrader Swing vs ProTrader: The Daily Loss Difference

ProTrader Swing shares ProTrader's targets (8% and 6%), its -5% daily and -10% maximum loss, and its 80% reward ratio. The difference is in one line of the rules, and it matters a lot if you hold trades for days.

What does "balance-based daily loss" mean at Fintokei?

On ProTrader Swing, the midnight snapshot is taken from your balance, which leaves out open trades. So an open trade in profit at midnight does not lift the next day's floor. Fintokei's own example with a $50,000 account and $1,500 of open profit at midnight: on ProTrader the next day's breach level is $48,925 (5% below $51,500 equity); on ProTrader Swing it is $47,500 (5% below the $50,000 balance). That is $1,425 more room on Swing.

One thing does not change: a breach is still measured on your equity on both programmes. If your live equity falls below the floor, the account fails, whether the loss is open or closed.

Is Fintokei ProTrader Swing swap-free?

Yes, for ProTrader Swing accounts bought from 15 July 2026. No swap is charged or paid for holding positions overnight. For a swing trader holding a position for a week, that can be a real saving.

Is ProTrader Swing worth the higher price?

ProTrader Swing costs more: $543.20 for $100,000 with BRIDGE, against $439.20 for ProTrader. It also has lower leverage (1:25 on forex, gold and silver, against 1:100). If you close your trades before midnight UTC, the two behave the same and ProTrader is the better buy. If you hold through the rollover most days, the extra $104 buys you a calmer daily floor and no swap.

My experience: I look at my last month of trades and count how many were open at midnight UTC. If it is more than a handful, I would pay for Swing.

Fintokei SwiftTrader Rules: One Step, Tight Limits

SwiftTrader is the one-step route. Its rules changed for accounts bought after 15 July 2026, so make sure you read the current version.

What are the SwiftTrader rules in 2026?

For SwiftTrader accounts bought after 15 July 2026: a 6% profit target, a -2% daily loss limit measured from equity, a -3% maximum loss that is static from the starting balance, at least 3 trading days and at most 60 calendar days. In the evaluation, Fintokei also caps profit at 3% of the starting balance per day. Leverage is 1:25 on forex, gold and silver.

How do SwiftTrader payouts work?

The funded reward ratio is 90%, the highest fixed ratio at Fintokei. But every payout needs a minimum profit of +3% of the starting balance first: $3,000 on a $100,000 account, $1,500 on a $50,000, $150 on a $5,000. You can then request a payout every 14 days.

Who should buy SwiftTrader?

Only traders whose normal drawdown is very small. A -3% maximum loss on a $100,000 account is $3,000, and you need to make $3,000 before each payout. Per $100 of maximum loss, SwiftTrader costs about three times as much as ProTrader with BRIDGE ($13.31 against $4.39 at $100,000).

My experience: SwiftTrader looks like the quick option, but with -2% daily room one bad morning can end it. I would only pick it if my stats showed I rarely lose more than 1% in a day.

Fintokei StartTrader Rules and the Dynamic Performance Reward

StartTrader is Fintokei's beginner programme: three small steps instead of two big ones.

What are the StartTrader targets and limits?

The targets are 2%, 3% and 6% over three phases, with a -3% daily loss limit and a -6% maximum loss. Each phase needs at least 3 trading days and may take up to 180 calendar days. Sizes go from $5,000 to $100,000, and prices start at $44 ($35.20 with BRIDGE).

What do the StartTrader targets look like in dollars?

On a $50,000 StartTrader, phase 1 asks for $1,000 (2%), phase 2 for $1,500 (3%) and phase 3 for $3,000 (6%). Your daily loss limit is $1,500 and your maximum loss $3,000 in every phase. So in phase 1 you can lose up to three times what you need to make, which is generous. By phase 3 the target and the maximum loss are the same size, so that is the phase where patience matters most.

What is the StartTrader consistency rule?

In each evaluation phase, no more than 40% of the profit target may come from one day. On the 6% phase of a $50,000 account the target is $3,000, so no single day may contribute more than $1,200. On the funded account the rule tightens: at most 1% of the starting balance may come from one day.

How does Fintokei's Dynamic Performance Reward work?

StartTrader accounts bought from 19 December 2024 use the Dynamic Performance Reward. Your share of profit is between 50% and 100%, recalculated after each payout. Fintokei looks at four things: how many days you trade, how you use leverage, how many payouts you have had, and how steady your daily results are. Fintokei's own example: two traders with the same $10,000 account and the same leverage and consistency scores, one with 27 trading days and one with 4, got 81% and 74%.

My experience: I like that StartTrader rewards steady trading in plain numbers, but I would not count on 100%. Plan your sums with the lower end and treat anything above it as a bonus.

Fintokei Payouts by Programme

Fintokei's payout system is the same on every programme. The difference is what you have to reach before you can ask.

When can I request a payout at Fintokei?

On ProTrader, ProTrader Swing and StartTrader, you can request a payout once at least 14 days have passed since your last payout or your first trade. On SwiftTrader the same 14 days apply, plus the +3% minimum profit. You must pass KYC first and close all open trades before you request. The minimum payout is $100 (€100, CZK 2,000 or ¥20,000).

How fast are Fintokei Instant Payouts?

Since 4 August 2025, payout requests are approved automatically. Fintokei says most take 10 to 20 seconds and its record is 2.8 seconds, and the account stays open after you request. Walletory e-wallet payouts up to $10,000 arrive within seconds; bank transfers, crypto and larger e-wallet amounts are sent within one business day.

Are there payout fees at Fintokei?

Fintokei covers the transfer fees for bank and e-wallet payouts. Crypto payouts carry a 2.5% fee, plus €10 on ETH and USDT or €20 on BTC and USDC. Crypto payouts are only offered in listed countries (mostly Europe, plus Australia, Canada, Hong Kong, Japan, Singapore, South Korea, Taiwan and the UK).

What does a first payout look like in numbers?

Take a funded $100,000 ProTrader. If you make 4% ($4,000) in your first 14 days and request a payout, your 80% share is $3,200. On a funded $100,000 SwiftTrader you must first reach +3% ($3,000); at 90% that payout is $2,700, and you cannot ask before the 3% is reached even if 14 days have passed. On StartTrader the same $4,000 would pay between $2,000 and $4,000, depending on your Dynamic Performance Reward at that moment.

My experience: payouts approved in seconds, with the account still open, is the strongest thing Fintokei has going for it. It removes the anxious wait that comes with a first payout at many firms.

Fintokei Rules That Apply to Every Programme

These are the rules people miss most often, and they apply whichever challenge you buy.

What is the -3% maximum risk on open trades?

No single setup may risk more than 3% of the account at once. Fintokei calls it a safeguard against "all-in" positions. Breaking it does not fail the account at once, but it triggers a warning and can lead to consistency rules being applied to the account. On a $100,000 account, keep the risk on any one setup under $3,000.

Can I use EAs or copy trading at Fintokei?

EAs are allowed if you built the strategy or fully control it: your own EA, simple scripts that run your own plan, or an AI-made strategy you adjusted and tested yourself. Not allowed: bought commercial EAs used as they come, public black-box bots, systems that follow someone else's signals, copying other people's trades, letting a third party manage your account, tick scalping, HFT, latency arbitrage, and opposite trading or hedging across accounts or traders.

Can I trade news and hold over the weekend at Fintokei?

Yes to both. Fintokei says you can open or close trades before, during and after big news releases, and you can keep positions open as long as you want, including over the weekend. Fintokei does add a warning for crypto CFDs: they trade 24 hours a day, five days a week, so a position held over the weekend can open with a large gap on Monday, and that gap can breach your daily or maximum loss before you can react. The same is true, to a smaller degree, for forex and indices around Sunday's open.

How many Fintokei accounts can I have?

As many as you like in the evaluation, but funded accounts have caps: $400,000 across ProTrader and ProTrader Swing together, $200,000 on SwiftTrader and $100,000 on StartTrader. The Loyalty Program's Capital Scaling Boost can add up to 25% more capital to newly bought or activated accounts. You can have up to 200 open or pending orders at once.

My experience: the EA rule is the one I would read twice. If your EA came from a marketplace and you have not changed anything in it, Fintokei treats it as someone else's strategy.

Which Fintokei Programme Should You Buy With BRIDGE?

BRIDGE gives the same 20% on every programme, so it should never decide the plan for you. Here is how I would choose.

Which programme fits my trading style?

• You day trade and close before midnight UTC: ProTrader. Most room for the money, no time limit, 1:100 leverage.
• You hold trades for days: ProTrader Swing. Balance-based daily floor and swap-free.
• You are new and trade small: StartTrader. Small targets, lowest price, but a consistency rule and a variable reward ratio.
• You trade very tight and want one phase: SwiftTrader. 90% reward, but -2% daily and -3% maximum loss.

Which size gives the best value?

In every Fintokei programme the $100,000 account is the cheapest per $1,000 with BRIDGE: $3.35 on StartTrader, $3.99 on SwiftTrader, $4.39 on ProTrader and $5.43 on ProTrader Swing. The $200,000 and $400,000 accounts cost slightly more per $1,000. Measured per $100 of maximum loss, the $100,000 ProTrader is the cheapest room at Fintokei, at $4.39.

Should I use BRIDGE on a small account first?

BRIDGE works on your first purchase only, so think about where it saves the most. 20% off a $5,000 account saves $9.80; 20% off a $100,000 ProTrader saves $109.80. If you want to test the platform first, Fintokei offers up to three free trial accounts. Try those, then use BRIDGE on the account you actually want.

Which account currency should I choose at Fintokei?

Fintokei sells accounts in USD, EUR, CZK and JPY, and the 20% from BRIDGE works the same way in each. Pick the currency you want to be paid in, so you avoid an extra exchange step on every payout. The payment methods follow the currency too: SEPA bank transfer is only for EUR challenges and domestic bank transfer only for JPY challenges, while cards (Visa, Mastercard, Maestro, JCB, with Apple Pay and Google Pay) and crypto work for all of them.

The full review and every rule are on our Fintokei review and the Fintokei challenge accounts tab. The step-by-step guide to the code is in our Fintokei coupon code guide. To weigh Fintokei against other forex firms, see Blue Guardian vs Fintokei or browse all forex prop firms, and follow any rule change on our prop firm rule changes tracker.

My experience: if I had one Fintokei purchase with 20% off, I would buy the $100,000 ProTrader for $439.20, or the $100,000 ProTrader Swing for $543.20 if I held trades overnight. Then I would log in, type BRIDGE at Fintokei's checkout and check the total before paying.