CFD/FX
FXIFY Instant Funding
Lite · $5,000 account
Selected public offer only. Buyer eligibility and other variants are outside this comparison.
Sources checked 19 September – 7 November 2026. Reviewed by a site member and AI assistants. Release pfw-release-2026-11-07-pilot-4, approved 7 November 2026. Each source shows the date it was last checked.
Costs
List price
List price: $44 one-time
Conditions and limits. $44 for the $5,000 account, paid once: no recurring billing and no activation fee.
Official sources: FXIFY · Checkout (checked 6 November 2026); FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: Are There Any Other Fees Other Than the Initial Assessment? (checked 6 November 2026).
About this rule. The advertised base price of the selected account and how it is billed. A temporary public offer, available without a code, is shown beside it with any conditions the firm states, while a recent check confirms it; codes, optional purchases and unverified buyer charges are excluded.
Compare this rule across accounts
Read the guide: What are you buying when you pay for a challenge?
Fee per $1,000 of opening risk
Fee per $1,000 of opening risk: $220.00
Conditions and limits. One payment: the one-time fee, with no recurring or activation fee; the checkout shows no add-ons. On Raw spreads each trade pays $6 per lot round trip on FX, metals and indices and 0.35% on stock CFDs (the All-In feed is commission-free except stock CFDs); swaps are charged, with no swap-free accounts.
How this is calculated. (List price × charges in a 30-day attempt + activation fee + platform and data fees), in US dollars, divided by the opening loss allowance and multiplied by 1,000.
- List price
- $44 one-time
- Charges in a 30-day attempt
- 1
- Activation fee
- None
- Platform and data fees
- None
- Opening loss allowance
- $200
- Result
- $220.00
Promotions, coupons and optional add-ons are excluded.
Final buyer charges such as taxes or payment fees are not verified.
Official sources: FXIFY · Checkout (checked 6 November 2026); FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: Are There Any Other Fees Other Than the Initial Assessment? (checked 6 November 2026).
About this rule. The advertised base cost of a 30-day attempt in US dollars, divided by the opening loss allowance and multiplied by 1,000. A cost scenario for comparing accounts, not an all-in price.
Activation fee
Activation fee: None
Official source: FXIFY · FAQ: Are There Any Other Fees Other Than the Initial Assessment? (checked 6 November 2026).
About this rule. A mandatory charge to activate a funded account after passing, if any.
Compare this rule across accounts
Read the guide: Reserve activation costs and keep refunds conditional
Platform and data fees
Platform and data fees: None
Official source: FXIFY · FAQ: Are There Any Other Fees Other Than the Initial Assessment? (checked 6 November 2026).
About this rule. Mandatory platform or market-data charges on top of the list price, if any.
Compare this rule across accounts
Read the guide: What market data is included, and what costs extra?
Payout processing fees
Payout processing fees: None from FXIFY: payouts are paid through Rise, which may charge a withdrawal fee of its own.
Official sources: FXIFY · FAQ: How do I withdraw my profits? (checked 6 November 2026); FXIFY · FAQ: [Crypto Account] - Are there any commission, hidden fees or costs I should be aware of? (checked 6 November 2026).
About this rule. Charges deducted when a payout is sent, which depend on the payment method.
Compare this rule across accounts
Read the guide: How do payout processing fees affect cash received?
Evaluation & risk
Opening loss allowance
Opening loss allowance: $200On the funded account, as there is no evaluation
How this is calculated. The funded account's opening balance minus its opening total-loss floor. The account is bought without an evaluation, so its own allowance is used.
- Funded account opening balance
- $5,000
- Funded account opening total-loss floor
- $4,800
- Result
- $200
Daily loss limits and any trailing of the floor after the opening are separate rules.
Official source: FXIFY · Programs: Instant Funding (checked 6 November 2026).
About this rule. How much the account can lose from its opening balance before the total-loss rule is broken, using the smallest allowance across the required evaluation phases. An account bought without an evaluation uses its funded account's allowance. It is not daily headroom, live capital or a pass probability.
Compare this rule across accounts
Read the guide: How do you calculate the opening loss allowance?
Difficulty ratio
Difficulty ratio: 0.00No evaluation or profit target
How this is calculated. For each required evaluation phase, the profit target divided by that phase's opening loss allowance. The results are added. The account is bought without an evaluation and has no profit target, so the ratio is 0.
- Required evaluation phases
- None
- Funded account opening loss allowance
- $200
- Result
- 0.00
This describes the shape of the evaluation; it is not a pass probability.
Official source: FXIFY · Programs: Instant Funding (checked 6 November 2026).
About this rule. Each required phase's profit target divided by that phase's opening loss allowance, added together. More target per dollar of allowed loss gives a higher number; an account bought without an evaluation has no target, so its ratio is 0. It describes the shape of the evaluation, not the chance of passing.
Compare this rule across accounts
Read the guide: How PFW's comparison pages summarize a route
Evaluation route
Evaluation route: Instant Funding Lite $5,000, FXIFY: a funded account from purchase, without an evaluation. Read for MT5 with Raw spreads, the only price feed at checkout, and no add-ons.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] What is Instant Funding Lite? (checked 6 November 2026); FXIFY · Checkout (checked 6 November 2026).
About this rule. The exact variant compared here and the stages between purchase and a funded account.
Compare this rule across accounts
Read the guide: What do one-step, two-step, three-step, and instant funding mean?
Profit targets
Profit targets: None
Conditions and limits. None: there is no evaluation and no profit target.
Official source: FXIFY · Programs: Instant Funding (checked 6 November 2026).
About this rule. The profit each required evaluation phase must reach, as a share of the opening balance. An account bought without an evaluation has none.
Compare this rule across accounts
Read the guide: How does the journey from purchase to payout work?
Total and daily loss
Total and daily loss: A 3% daily loss limit ($150 on the starting balance) from the previous day's closing balance (5 PM EST), a hard breach, and a 4% trailing max drawdown ($200): the highest balance less 4% of the starting balance, from $4,800, locked at $5,000 once the account is 4% up or when a payout is processed, whichever comes first.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Does Daily loss limit count as soft breach? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] How does the MAX trailing drawdown work? How does the payout affect it? (checked 6 November 2026).
About this rule. The overall and daily loss limits, how they move, and what balance or equity they are measured against.
Compare this rule across accounts
Read the guide: Why can two “5% daily loss” rules produce different limits?
Minimum days and time limits
Minimum days and time limits: None: there is no evaluation. 60 calendar days without trading breaches the account.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Is there an inactivity breach? (checked 6 November 2026).
About this rule. The minimum number of trading or profitable days each evaluation phase requires, including any minimum the firm states a consistency rule sets, any time limit for passing, and any inactivity period after which the account is closed.
Compare this rule across accounts
Read the guide: What counts as a minimum trading day?
Read the guide: Time limits and inactivity: which clock are you reading?
Payouts
First and later payouts
First and later payouts: First payout after at least 5 trading days and 10 days in total from the first trade, with the 20% consistency rule met; then every 10 days.
Official sources: FXIFY · FAQ: [Instant Funding Lite] After purchasing, what criteria must I achieve to request a payout? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] How does the 20% Consistency Rule work? (checked 6 November 2026); FXIFY · Programs: Instant Funding (checked 6 November 2026).
About this rule. When the first payout can be requested and how often later requests are allowed. Waiting periods, qualifying days, review and payment are separate clocks.
Payout minimums and caps
Payout minimums and caps: $50 minimum and no maximum. Withdrawing all the profit puts the account at risk of a breach, since the drawdown locks at the starting balance after a payout.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] What’s the maximum profit I can make? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] How does the MAX trailing drawdown work? How does the payout affect it? (checked 6 November 2026).
About this rule. The smallest request allowed and any limit on how much can be withdrawn per request or cycle.
Funded consistency rules
Funded consistency rules: A 20% consistency rule: before a payout, the best day's profit may be at most a fifth of the total profit; there is no time limit to meet it. At least 5 trading days and 10 days in total from the first trade.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] How does the 20% Consistency Rule work? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] After purchasing, what criteria must I achieve to request a payout? (checked 6 November 2026).
About this rule. Rules on how profit must be spread across days or trades before a funded payout, and any required profitable days.
Published processing time
Published processing time: Withdrawals are reviewed Monday to Friday, 9 AM to 9 PM GMT (a weekend request on the Monday), and are typically processed within 3 business days once the FXIFY and Rise verifications are done and the Rise account uses the same email as the FXIFY account.
Official sources: FXIFY · FAQ: When does my withdrawal get processed (checked 6 November 2026); FXIFY · FAQ: How do I withdraw my profits? (checked 6 November 2026).
About this rule. How long the firm says review and payment take after a request. These are published estimates, not measured times.
Compare this rule across accounts
Read the guide: What do “24-hour,” “instant,” and “on-demand” payouts mean?
Refunds
Fee refund with a reward
Fee refund with a reward: None: there is no refund of the fee on Instant Funding Lite.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Do I get refund alongside my withdrawal? (checked 6 November 2026).
About this rule. Whether and when the challenge fee is paid back after a successful payout.
Cancellation refund
Cancellation refund: No refund once the first trade is placed. Misrepresenting the country you are based in risks losing a live account and the refund.
Official sources: FXIFY · FAQ: Refund Policy (checked 6 November 2026); FXIFY · FAQ: What Countries are accepted? (checked 6 November 2026).
About this rule. Whether a purchase can be cancelled and refunded, and on what conditions.
Trading rules
News trading
News trading: No trades or orders from 5 minutes before to 5 minutes after a high-impact news event; a trade opened or closed in that window does not count toward payouts.News trading: restricted.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I trade news on Instant Funding Lite? (checked 6 November 2026).
News trading by stage
- Funded
- Restricted. No trades or orders from 5 minutes before to 5 minutes after a high-impact news event; trades in that window do not count toward payouts.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I trade news on Instant Funding Lite? (checked 6 November 2026).
About this rule. Restrictions on opening, closing or holding positions around scheduled news.
Compare this rule across accounts
Read the guide: What does a news-trading restriction actually restrict?
Overnight and weekend holding
Overnight and weekend holding: No weekend holding: all positions must be closed before 3:45 PM EST on Friday (75 minutes before the market closes), or FXIFY closes them at the market rate, and any breach that causes is the trader's; the market reopens on Sunday at 5:00 PM EST. No page sets an overnight rule.Overnight and weekend holding: restricted.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I hold positions over the weekend with an Instant Funded LITE account? (checked 6 November 2026).
Overnight and weekend holding by stage
- Funded
- Restricted. No weekend holding: all positions must be closed before 3:45 PM EST on Friday, or FXIFY closes them.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I hold positions over the weekend with an Instant Funded LITE account? (checked 6 November 2026).
About this rule. Whether positions can be held overnight and over the weekend.
Compare this rule across accounts
Read the guide: Which CFD/FX accounts allow overnight and weekend positions?
Expert advisors and copying
Expert advisors and copying: EAs, bots and any automatic trading software are not allowed, and copy trading is not permitted.Expert advisors: prohibited.Copying your own trades: prohibited.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I use Expert Advisors (EAs) or bots for trading? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I copy trade from my other FXIFY accounts or external accounts? (checked 6 November 2026).
Expert advisors by stage
- Funded
- Prohibited.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I use Expert Advisors (EAs) or bots for trading? (checked 6 November 2026).
Copying your own trades by stage
- Funded
- Prohibited.
Official source: FXIFY · FAQ: [Instant Funding Lite] Can I copy trade from my other FXIFY accounts or external accounts? (checked 6 November 2026).
About this rule. Whether automated strategies are allowed and whether trades can be copied between your own accounts.
Compare this rule across accounts
Read the guide: Automation and copying: what actually needs permission?
Contractual penalties
Contractual penalties: Any rule violation, including the drawdowns and trading restrictions, breaches the account; profit from trades in the news window is disregarded.
Official sources: FXIFY · FAQ: [Instant Funding Lite] What happens if I violate the rules? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I trade news on Instant Funding Lite? (checked 6 November 2026).
About this rule. Penalties the terms set out for rule breaches beyond failing the account.
Compare this rule across accounts
Read the guide: Is it a prohibition, a condition or a review trigger?
Platforms & eligibility
Platforms
Platforms: Chosen at checkout: MT5, DXTrade or TradingView on One Phase, Two Phase, Three Phase and Instant Funding; MT5 only on Lightning; DXTrade only on the crypto plans, with TradingView announced as coming soon. MetaTrader is not offered to clients based in the United States, who get DXTrade and TradingView. The platform or the price feed can be changed on request only while no trade has been placed (Instant Funding: between MT5 and DXTrade only; Lightning: no change).
Official sources: FXIFY · Programs: One Phase (checked 6 November 2026); FXIFY · Programs: Lightning Challenge (checked 6 November 2026); FXIFY · FAQ: [Lightning Plan] What platforms are available to trade with? (checked 6 November 2026); FXIFY · FAQ: [Crypto Account] - Can I change my trading platform during the program? (checked 6 November 2026); FXIFY · Crypto (checked 6 November 2026); FXIFY · FAQ: Are you able to change the platform after I have selected? (checked 6 November 2026); FXIFY · FAQ: What platforms can I use to trade on? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding] Can I upgrade my account size or trading platform during the program? (checked 6 November 2026).
About this rule. The platforms the firm offers in this market, with any extra charge or country limit it states. It is the firm's list for all its accounts in the market.
Platform access and eligibility
Platform access and eligibility: MT5 (read here), DXTrade or TradingView, with Raw spreads only; MetaTrader is not offered to clients based in the United States. No crypto on this plan. 18 or over; not available to residents of the countries FXIFY lists (see Who can trade); KYC with FXIFY and with Rise before any payout. Up to 5 Lite accounts at once, one per balance.
Official sources: FXIFY · Programs: Instant Funding (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] What are the available platforms to trade with? (checked 6 November 2026); FXIFY · FAQ: What platforms can I use to trade on? (checked 6 November 2026); FXIFY · FAQ: Are you able to change the platform after I have selected? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] Can I hold positions over the weekend with an Instant Funded LITE account? (checked 6 November 2026); FXIFY · FAQs (checked 6 November 2026); FXIFY · FAQ: Who Can Join? (checked 6 November 2026); FXIFY · FAQ: What Happens if I Cannot Pass My KYC? (checked 6 November 2026); FXIFY · FAQ: [Instant Funding Lite] What’s the max allocation on Instant Funding Lite? How many accounts can I have? (checked 6 November 2026).
About this rule. Who can buy the account: age, identity checks and country restrictions, and any platform limits by country.
Ratings
Not rated. Overall program scores and reliability ratings are not published yet; the figures above are measurements of stated terms, not a verdict.
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- FXIFY Instant Funding program overview
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- Compare with other CFD/FX accounts
Background guides
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