Fintokei

Fintokei coupon code: use BRIDGE for 20% off your first Fintokei purchase, valid on every challenge (StartTrader, SwiftTrader, ProTrader and ProTrader Swing). Fintokei confirmed the code in writing on 14 October 2026, and we check it every day. The discount applies to a trader's first purchase at Fintokei only; later purchases are charged at Fintokei's normal price.

Fintokei is a CFD and forex prop firm run by Fintokei a.s., a company registered in Brno, Czech Republic (Company ID 09110127). It is part of the Purple Group, whose roots go back to 2007, and it launched in Japan in 2022 before opening to traders in Europe and other regions. Trading takes place on simulated accounts with live market quotes, on TradingView, MetaTrader 5 and cTrader, through Purple Trading's infrastructure.

Fintokei sells four programmes: the three-phase StartTrader for beginners ($5,000 to $100,000), the one-step SwiftTrader ($5,000 to $200,000), the two-step ProTrader ($5,000 to $400,000) and the two-step ProTrader Swing with a balance-based daily loss limit and swap-free trading ($5,000 to $200,000). Prices start at $44.

The firm's best-known feature is Instant Payouts, launched on 4 August 2025: a payout request is approved automatically, usually within seconds, and the account stays open while the money is sent. Payouts can be requested every 14 days.

Fintokei received an 83 out of 100 score because it combines a long-running group behind it, clearly written rules for each programme and one of the fastest payout processes in the CFD market, while asking traders to respect a few limits that are easy to miss: the -3% maximum risk on open trades, tight limits on SwiftTrader, and strict rules on third-party EAs and copied signals.

Who This Prop Firm Is For (and Not For)

Fintokei suits disciplined forex and CFD traders who size each trade by risk and want regular payouts. ProTrader is the classic two-step choice with an 8% and 6% target, a 5% daily and 10% maximum loss and no time limit. ProTrader Swing suits traders who hold positions for days, because its daily loss limit is measured from the end-of-day balance, so open profit or loss at midnight does not move it, and it is swap-free. StartTrader is aimed at beginners, with small targets (2%, 3% and 6%) over three phases and a low entry price. SwiftTrader is for traders who want one phase and fast payouts, but its -2% daily and -3% maximum loss leave very little room.

Traders who should look elsewhere: anyone who wants to run a bought or public EA, copy someone else's signals, tick scalp, use HFT or latency arbitrage, or hedge across accounts. Residents or citizens of the USA, India and several other countries cannot join, and new purchases are paused in a number of countries (including Nigeria, South Africa, the Philippines, Malaysia and the UAE). Always check Fintokei's country list before buying.

Risk Profile Compared to Industry Standards

ProTrader's 5% daily and 10% maximum loss are in line with the standard two-step model. The daily limit is measured from your end-of-day equity at midnight UTC, so floating profit at the rollover can make the next day tighter. ProTrader Swing removes that effect by using the balance. StartTrader's 3% daily and 6% maximum loss are tighter, but its targets are small. SwiftTrader is the strictest, with -2% daily and -3% maximum loss, a 3% daily profit cap in the evaluation and a +3% minimum profit before each payout.

What We Noticed When Checking the Rules

The rule that matters most at Fintokei is the maximum allowed risk on open trades of -3%. Breaking it does not fail the account at once, but it can lead to a warning and then consistency rules being applied to the account. Traders who plan risk per position, not just per day, will rarely meet it.

Pros & Cons

Fintokei Review 2026: How the Firm Works

Fintokei describes itself as an education and evaluation company for traders. You buy a challenge, trade a simulated account that uses real market quotes from regulated liquidity providers, and once you pass you receive a virtually funded account. Fintokei then pays you a performance reward from the profit you make on that account. Fintokei is not a broker, does not take client deposits and says plainly that it is not regulated.

The company behind it is Fintokei a.s., registered at Masarykova 409/26 in Brno, Czech Republic. Fintokei is part of the Purple Group: the group's story starts in 2007, it built prop trading infrastructure from 2018, and Fintokei itself launched in Japan in 2022. Co-founder David Varga leads the team.

Fintokei Programmes and Prices

StartTrader (three phases, for beginners)

StartTrader has three evaluation phases with targets of 2%, 3% and 6%, a -3% daily loss limit and a -6% maximum loss limit. Each phase needs at least 3 trading days and may take up to 180 calendar days. A consistency rule applies in every phase: no more than 40% of the profit target may come from one day. On the funded account, at most 1% of the starting balance may come from one day.

The reward ratio is Fintokei's Dynamic Performance Reward: between 50% and 100%, worked out for each payout from your number of trading days, how you use leverage, how many payouts you have had and how steady your daily results are.

SwiftTrader (one step)

For SwiftTrader accounts bought after 15 July 2026, the target is 6%, the daily loss limit -2% (from equity) and the maximum loss -3% (static, from the starting balance). You need at least 3 trading days and have up to 60 calendar days. In the evaluation no more than 3% of the starting balance may be made in one day. The funded reward is 90%, and every payout needs a minimum profit of +3% of the starting balance.

ProTrader (two steps)

ProTrader asks for 8% in phase 1 and 6% in phase 2, with a -5% daily loss limit measured from end-of-day equity and a -10% maximum loss from the starting balance. There is no time limit, only a minimum of 3 trading days. The reward ratio starts at 80% and can go higher through the Loyalty Program boosts.

ProTrader Swing (two steps, balance-based)

ProTrader Swing has the same targets and limits as ProTrader, but its daily loss limit is calculated from the end-of-day balance, so open trades at midnight UTC do not change it. Accounts bought from 15 July 2026 are swap-free. A breach is still measured on equity.

Drawdown Rules Explained

On ProTrader, StartTrader and SwiftTrader, Fintokei takes a snapshot of your equity at midnight UTC each day. During the next 24 hours your equity may not fall more than the daily limit below that snapshot. Fintokei's own example: a $100,000 ProTrader account closing a day at $103,000 equity may not fall below $97,850 the next day. On ProTrader Swing the snapshot is the balance, so a trade left open with $1,500 profit does not raise the next day's floor.

The maximum loss is measured from the starting balance on every programme. Every programme also has a maximum allowed risk on open trades of -3%: no single setup should risk more than 3% of the account.

Trading Rules

• News trading: allowed, before, during and after high-impact news.
• Weekend and overnight holding: allowed on all programmes.
• EAs: allowed when you built or fully control the strategy. Bought commercial EAs, public black-box bots and systems that follow someone else's signals are not allowed.
• Not allowed: copying other people's signals or letting a third party manage your account, tick scalping, HFT, latency arbitrage and opposite trading or hedging across accounts or traders.
• Activity: at least one trade every 30 days, or the account is closed.
• Maximum allocation: $400,000 across ProTrader and ProTrader Swing, $200,000 on SwiftTrader and $100,000 on StartTrader in the funded stage. The Loyalty Program's Capital Scaling Boost can add up to 25% to newly bought or activated accounts.
• Free retake: on ProTrader or StartTrader, if an evaluation phase ends in profit without breaking a rule, you can restart it for free.

Leverage, Instruments and Costs

Fintokei offers forex pairs, metals, energies, indices and crypto CFDs. ProTrader has 1:100 on forex, gold and silver, 1:50 on indices and 1:20 on the rest. StartTrader, SwiftTrader and ProTrader Swing have 1:25 on forex, gold and silver, 1:20 on indices and 1:10 on the rest. Forex commission is $3 per lot per side ($6 round trip); CFD indices and crypto CFDs are commission-free. Accounts are available in USD, EUR, CZK and JPY.

Payouts

Payouts can be requested every 14 days, counted from your last payout or your first trade, after passing KYC. The minimum is $100 (or €100, CZK 2,000, ¥20,000). With Instant Payouts the request is approved automatically, usually within 10 to 20 seconds, and the account stays open. Walletory e-wallet payouts up to $10,000 arrive within seconds; bank transfers, crypto and larger e-wallet payouts are sent within one business day. Fintokei covers the transfer fees, except crypto payouts, which carry a 2.5% fee plus a fixed amount on some coins. Crypto payouts are only available in listed countries.

Countries

Fintokei does not serve residents or citizens of Afghanistan, Belarus, Cuba, India, Iran, Iraq, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, the USA, Venezuela and Yemen; Bangladesh, China, Pakistan and Vietnam are temporarily restricted. New purchases are currently not available in Cambodia, Ethiopia, Ghana, Indonesia, Kenya, Malaysia, Morocco, Nigeria, the Philippines, Saudi Arabia, Senegal, South Africa, Thailand, Türkiye, Ukraine and the UAE.

Fintokei Coupon Code BRIDGE

BRIDGE gives 20% off your first Fintokei purchase on any challenge and any size. Enter it at checkout while logged in to MyFintokei. It is a first-purchase code: a trader who has already bought at Fintokei will not get the 20% with it. The exact saving per account size is on our Fintokei coupon code page.