CFD/FX

FXIFY Two Phase

Standard · $100,000 account

Selected public offer only. Buyer eligibility and other variants are outside this comparison.

Compare with other CFD/FX accounts

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: $549 one-time

Conditions and limits. $549 for the $100,000 account, paid once: no recurring billing and no activation fee. The lower price on the program page needs the FUNDED25 code.

Official sources: FXIFY · Checkout (checked 6 November 2026); FXIFY · Programs: Two Phase (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.

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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: $54.90

Conditions and limits. One payment: the one-time fee, with no recurring or activation fee. Add-ons at checkout add a share of the fee: +25% (50:1 leverage on FX and gold), +20% (90/10 split), +5% (bi-weekly payouts) and +15% (Performance Protect). 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: $549 one-time
Charges in a 30-day attempt: 1
Activation fee: None
Platform and data fees: None
Opening loss allowance: $10,000
Result: $54.90

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: Two Phase (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.

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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.

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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.

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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.

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Read the guide: How do payout processing fees affect cash received?

Evaluation & risk

Opening loss allowance

Opening loss allowance: $10,000

How this is calculated. Opening balance minus the opening total-loss floor, for each required evaluation phase. The smallest result is used.

Phase 1 opening balance: $100,000
Phase 1 opening total-loss floor: $90,000
Phase 2 opening balance: $100,000
Phase 2 opening total-loss floor: $90,000
Result: $10,000

Daily loss limits and any trailing of the floor after the opening are separate rules.

Official source: FXIFY · Programs: Two Phase (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.

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Read the guide: How do you calculate the opening loss allowance?

Difficulty ratio

Difficulty ratio: 1.50

How this is calculated. For each required evaluation phase, the profit target divided by that phase's opening loss allowance. The results are added.

Phase 1 profit target: 10% of $100,000 = $10,000
Phase 1 opening loss allowance: $10,000
Phase 2 profit target: 5% of $100,000 = $5,000
Phase 2 opening loss allowance: $10,000
Result: 1.50

This describes the shape of the evaluation; it is not a pass probability.

Official source: FXIFY · Programs: Two Phase (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.

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Read the guide: How PFW's comparison pages summarize a route

Evaluation route

Evaluation route: Two Phase Standard $100,000, FXIFY: two evaluation phases, then the funded account, with a trailing drawdown. Read for MT5 with Raw spreads and no add-ons; the platform, the price feed (Raw spreads or All-In) and any add-ons are chosen at checkout.

Official sources: FXIFY · Programs: Two Phase (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.

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Read the guide: What do one-step, two-step, three-step, and instant funding mean?

Profit targets

Profit targets: 10% then 5%

Conditions and limits. Phase 1: $10,000 (10%); phase 2: $5,000 (5%). Reaching a target early does not shorten the 5 minimum trading days of the phase. No target in the funded account.

Official source: FXIFY · Programs: Two Phase (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.

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Read the guide: How does the journey from purchase to payout work?

Total and daily loss

Total and daily loss: A 4% daily loss limit ($4,000 on the starting balance) from the previous day's closing balance (5 PM EST), and a 10% trailing max drawdown ($10,000) on the closed balance: it starts at $90,000, follows the highest closed balance and stops at $100,000 once the account is 10% up or when a payout is processed. Breach levels use real-time equity, and a breach of either ends the account. Both phases and the funded account.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: Why was my account breached even though the balance shows above the Daily/MAX Drawdown? (checked 6 November 2026); FXIFY · FAQ: If I breach the rules, what happens next? (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.

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Read the guide: Why can two “5% daily loss” rules produce different limits?

Minimum days and time limits

Minimum days and time limits: At least 5 trading days in each phase, not necessarily in a row; no maximum. A trade at least once every 60 days, or the account is breached.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: What are the rules for the Assessment account? (checked 6 November 2026); FXIFY · FAQ: How long does it take to be funded? (checked 6 November 2026); FXIFY · FAQ: Is there a breach for inactivity? (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.

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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 on demand, once the first trade on the funded account is closed, with at least 5 trading days. After that, once a month, or every 14 days with the Bi-Weekly Payouts add-on (+5% of the fee). The account is read-only while a request is pending.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: How do I withdraw my profits? (checked 6 November 2026); FXIFY · Checkout (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.

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Read the guide: Which event starts the first-payout clock?

Payout minimums and caps

Payout minimums and caps: $50 minimum and no limit on the amount. Withdrawing all the profit is allowed but forfeits the funded account, since the drawdown locks at the starting balance after a payout.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: What is the minimum withdrawal amount for all account types? (checked 6 November 2026); FXIFY · Fast payouts (checked 6 November 2026); FXIFY · FAQ: How do I withdraw my profits? (checked 6 November 2026); FXIFY · FAQ: How do withdrawals affect drawdown on 1 and 2 phase Standard accounts (checked 6 November 2026).

About this rule. The smallest request allowed and any limit on how much can be withdrawn per request or cycle.

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Read the guide: What does a payout cap limit?

Funded consistency rules

Funded consistency rules: No consistency rule is shown for Two Phase Standard. At least 5 trading days before the first payout.

Official source: FXIFY · Programs: Two Phase (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.

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Read the guide: How selected official rules differ

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.

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Read the guide: What do “24-hour,” “instant,” and “on-demand” payouts mean?

Refunds

Fee refund with a reward

Fee refund with a reward: The fee, add-ons included, is refunded in full with the first withdrawal; if the account breaches without profit there is no refund, unless Performance Protect was bought.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: When will I be reimbursed for my purchase? (checked 6 November 2026); FXIFY · FAQ: I Purchased Add-Ons to My Account Do I Get a Refund? (checked 6 November 2026); FXIFY · FAQ: What Happens If I Have a Breach on My Funded Account? (checked 6 November 2026).

About this rule. Whether and when the challenge fee is paid back after a successful payout.

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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.

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Trading rules

News trading

News trading: Allowed in both stages, with no news window; FXIFY may ban traders taking significant risks on news trades, and high-leverage news trading must show proper risk management.News trading: allowed in both stages.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: Can I trade the news? (checked 6 November 2026); FXIFY · Blog: prohibited strategies (checked 6 November 2026).

News trading by stage

Evaluation and funded: Allowed.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: Can I trade the news? (checked 6 November 2026).

About this rule. Restrictions on opening, closing or holding positions around scheduled news.

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Read the guide: What does a news-trading restriction actually restrict?

Overnight and weekend holding

Overnight and weekend holding: Allowed in both stages: positions may be held overnight and over the weekend.Overnight and weekend holding: allowed in both stages.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: Do I need to close positions over the weekend? (checked 6 November 2026); FXIFY · FAQ: Do I need to close positions overnight? (checked 6 November 2026).

Overnight and weekend holding by stage

Evaluation and funded: Allowed.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: Do I need to close positions over the weekend? (checked 6 November 2026); FXIFY · FAQ: Do I need to close positions overnight? (checked 6 November 2026).

About this rule. Whether positions can be held overnight and over the weekend.

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Read the guide: Which CFD/FX accounts allow overnight and weekend positions?

Expert advisors and copying

Expert advisors and copying: EAs are allowed in both stages once FXIFY support has reviewed and pre-approved them; using one without approval can lead to suspension without profits. Copying is allowed between your own FXIFY accounts and from them to other accounts; copying into FXIFY from another account needs approval, with a trading statement of at least 30 days, and copying a third party is a violation.Expert advisors: restricted in both stages.Copying your own trades: restricted in both stages.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: Can I use an Expert Advisor for MT for the Challenge accounts? (checked 6 November 2026); FXIFY · FAQ: Is copy trading allowed? (checked 6 November 2026).

Expert advisors by stage

Evaluation and funded: Restricted. Only after FXIFY support has reviewed and pre-approved the EA.

Official sources: FXIFY · Programs: Two Phase (checked 6 November 2026); FXIFY · FAQ: Can I use an Expert Advisor for MT for the Challenge accounts? (checked 6 November 2026).

Copying your own trades by stage

Evaluation and funded: Restricted. Between your own FXIFY accounts and from them to other accounts; copying into FXIFY from another account needs approval, with a trading statement of at least 30 days; copying a third party is a violation.

Official source: FXIFY · FAQ: Is copy trading allowed? (checked 6 November 2026).

About this rule. Whether automated strategies are allowed and whether trades can be copied between your own accounts.

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Read the guide: Automation and copying: what actually needs permission?

Contractual penalties

Contractual penalties: Breaking a rule (the daily loss limit, the max drawdown, 60 days without a trade) ends the account: no further trading, the fee is forfeited, and profit in a breached funded account is lost unless Performance Protect was bought. Prohibited strategies (high-frequency trading, reverse and group hedging, latency arbitrage, statistical arbitrage across accounts and others) lead to termination and void profits.

Official sources: FXIFY · FAQ: If I breach the rules, what happens next? (checked 6 November 2026); FXIFY · FAQ: What Happens If I Have a Breach on My Funded Account? (checked 6 November 2026); FXIFY · FAQ: What strategies are prohibited? (checked 6 November 2026); FXIFY · FAQ: Is there a breach for inactivity? (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.

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Read the guide: How do platforms, data, and costs differ?

Platform access and eligibility

Platform access and eligibility: MT5 (read here), DXTrade or TradingView, chosen at checkout; MetaTrader is not offered to clients based in the United States. 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. One active account of each size, in the challenge and the funded stage.

Official sources: FXIFY · Programs: Two Phase (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 · 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: What is the max allocation? (checked 6 November 2026).

About this rule. Who can buy the account: age, identity checks and country restrictions, and any platform limits by country.

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Read the guide: What does prop firm eligibility include?

Ratings

Not rated. Overall program scores and reliability ratings are not published yet; the figures above are measurements of stated terms, not a verdict.

Background guides

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