Fintokei is a modern trading firm that helps people from all over the world test their trading skills and earn real money in a safe, risk-free setting. The company focuses on teaching, testing, and rewarding good performance. 

Fintokei Challenges offers three main programs—ProTrader, SwiftTrader, and StartTrader—each designed for different skill levels and goals. Whether you are new to trading or already experienced, Fintokei has a program to help you grow and succeed.

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What Makes Fintokei Challenges Unique?

Fintokei Challenges

Fintokei offers a unique trading experience where participants face no real capital risk, as all trading occurs in a simulated environment that mirrors live market conditions. Traders can earn actual profits based on their virtual performance, making the platform both safe and rewarding. 

Open to adults globally, with some regional restrictions, Fintokei welcomes individuals regardless of prior trading experience. The program emphasizes education and discipline, rewarding consistent, skilled traders with payouts and opportunities to scale their virtual accounts.

Overview of Fintokei’s Programs

Fintokei Trading Challenges

Fintokei offers three main programs, each tailored to a different trader profile and ambition:

  • StartTrader: Entry-level, beginner-friendly, and structured for learning.
  • ProTrader: Advanced, challenging, and designed for experienced traders.
  • SwiftTrader: Fast-track, flexible, and ideal for those seeking immediate payouts.

Let’s explore each in detail

ProgramPhasesProfit TargetsMax DrawdownTime LimitCapital RangeProfit SplitPayout Frequency
StartTrader32%, 3%, 6%6% total180 days$20K–$100K+50–100%Bi-weekly
ProTrader28%, 6% (or 5%)10% totalNoneUp to €400,00080–90%Bi-weekly
SwiftTrader010% (first payout)10% trailingNone€1K–€50K50–90%Bi-weekly

StartTrader: The Gateway for Beginners

CapitalCertificateProfit Target (Phase I, II, III)Time LimitDaily Loss LimitMaximum Loss LimitScaling Up ToPerformance Reward RatioPrice
€20,000Yes2%・3%・6%Min 3 days, max 180 days-3%-6%€200,00050-100%€119
€50,000Yes (Best choice)2%・3%・6%Min 3 days, max 180 days-3%-6%€500,00050-100%€244
€100,000Yes2%・3%・6%Min 3 days, max 180 days-3%-6%€1,000,00050-100%€419

StartTrader is crafted for those new to prop trading, providing a supportive environment to learn, experiment, and gradually build trading confidence. The program is structured as a three-phase evaluation, each with its own profit target and risk parameters.

StartTrader Key Features

  • Three Evaluation Phases: Each phase has progressively higher profit targets—2% in Phase I, 3% in Phase II, and 6% in Phase III.
  • Generous Drawdown Limits: The maximum total drawdown is set at 6%, with a daily loss limit of 3%. This gives beginners more room for error and experimentation.
  • Time to Succeed: Traders have up to 180 days to complete all three phases, allowing for a steady, pressure-free learning curve.
  • Consistency Rule: No more than 40% of your profit target can be achieved in a single day during each phase, encouraging steady performance.
  • Scaling Opportunities: Successful traders can scale up to $1,000,000 in virtual capital, with profit splits ranging from 50% to 100%.
  • Bi-Weekly Payouts: Profits are paid out every two weeks, offering tangible rewards for progress.
  • Educational Support: Access to video courses and a certificate for successful completion.

Who Should Choose StartTrader?

New traders seeking a structured, forgiving entry into prop trading. Those who value education and gradual progression. Anyone looking for a Fintokei challenges that balances risk and reward.

ProTrader: For the Ambitious and Experienced

CapitalProfit Target (Phase I・II)Time Limit (Phase I・II)Daily Loss LimitMaximum Loss LimitScaling Up ToPrice
€10,0008%・6%Min 3 profitable days, unlimited-5%-10%€100,000€99
€20,0008%・6%Min 3 profitable days, unlimited-5%-10%€200,000€159
€50,0008%・6%Min 3 profitable days, unlimited-5%-10%€500,000€319
€100,0008%・6%Min 3 profitable days, unlimited-5%-10%€1,000,000€529
€200,0008%・6%Min 3 profitable days, unlimited-5%-10%€2,000,000€1,149
€400,0008%・6%Min 3 profitable days, unlimited-5%-10%€4,000,000€2,399

ProTrader is Fintokei’s flagship program, targeting experienced traders ready for a more demanding evaluation and bigger rewards. It’s a two-phase Fintokei challenges with higher profit targets but fewer restrictions.

ProTrader Key Features

  • Two-Phase Evaluation: Achieve an 8% profit target in Phase I and a 6% target in Phase II (5% for accounts purchased before November 2024).
  • No Time Limits: Complete each phase at your own pace—there’s no deadline, allowing for strategic, patient trading.
  • High Capital Access: Successful traders can manage accounts up to €400,000, the largest offered by Fintokei.
  • Lucrative Profit Split: Keep 80% of your profits, with the potential to scale up both account size and profit share through consistent performance.
  • Minimal Restrictions: No consistency rule; experienced traders are trusted to manage their own risk.
  • Drawdown Rules: Daily drawdown limit of 5% and a total drawdown cap of 10% ensure disciplined risk management.
  • Retake Discount: If you don’t pass, discounted retakes are available. Free 14-day demo trials are also offered.

Who Should Choose ProTrader?

Experienced traders confident in their strategy and discipline. Those seeking the largest capital and highest profit splits. Traders who prefer flexibility and minimal restrictions.

SwiftTrader: The Fastest Route to Payouts

CapitalTime LimitDaily Loss LimitMaximum Loss LimitScaling Up ToPrice
€1,000Trade at your own paceNone-10%€10,000€79
€2,000Trade at your own paceNone-10%€20,000€119
€5,000Trade at your own paceNone-10%€50,000€259
€10,000Trade at your own paceNone-10%€100,000€519
€50,000Trade at your own paceNone-10%€500,000€2,699

SwiftTrader is designed for traders who want to skip lengthy evaluations and start earning immediately. This program offers instant access to funded accounts and the fastest route to real payouts.

SwiftTrader Key Features

  • Instant Funding: Start trading with virtual capital (from €1,000 to €50,000) right after purchase—no evaluation phases required.
  • Immediate Earnings: Profits can be withdrawn as soon as you hit a 10% profit target, with payouts available every two weeks.
  • Flexible Profit Split: Start with a 50/50 split, which can increase up to 90% for consistently high performers.
  • Simple Rules: No daily drawdown limit, but a 10% maximum trailing loss applies.
  • Scaling Potential: Accounts can grow up to 10 times their initial size for traders who consistently meet targets.
  • Multiple Currencies: Choose your account in USD, EUR, JPY, or CZK.

Who Should Choose SwiftTrader?

Confident, skilled traders who want immediate access to capital and payouts. Those who dislike traditional evaluation challenges. Traders who want to maximize earnings and scale quickly.

Which Fintokei Challenges Should You Choose?

  • StartTrader: Best for beginners and those who want a structured, educational path with room for mistakes.
  • ProTrader: Ideal for experienced traders seeking large accounts, high profit splits, and ultimate flexibility.
  • SwiftTrader: Perfect for fast movers who want to earn from the get-go and are comfortable with higher risk and fewer restrictions.

Fintokei 20% Bigger Capital

Fintokei 20% Bigger Capital

Get more trading power with Fintokei’s exclusive 20% capital boost! For a limited time, every ProTrader challenge you pass will increase your funded capital by an extra 20%. Imagine starting with a $400,000 account and receiving up to $80,000 additional capital—giving you more flexibility and higher earning potential. 

Take advantage of this special offer to maximize your trading journey and reach your financial goals faster with Fintokei’s enhanced funding opportunities.

Common Queries Related to Fintokei Challenges

What makes Fintokei different from other Prop Trading Firms?

Fintokei lets you trade in a risk-free demo environment, rewards real profits, and focuses on education and skill-building for all experience levels.

Who can join Fintokei’s Trading Programs?

Any adult over 18 can join, regardless of trading background, except residents of certain restricted countries due to regulations.

How do the StartTrader, ProTrader, and SwiftTrader Programs differ?

StartTrader is beginner-friendly with structured learning, ProTrader targets experienced traders with bigger accounts, and SwiftTrader offers instant funding and fast payouts.

How are Profits and Payouts handled in Fintokei’s Programs?

Profits are split between trader and firm (50–100%), with bi-weekly payouts. SwiftTrader and ProTrader offer higher splits for consistent performance.

What happens if I don’t pass a Fintokei Challenges?

If you don’t pass, discounted retakes are available for ProTrader. You can also try a free 14-day demo before committing to a paid challenge.

Final Thoughts

Fintokei offers programs for all types of traders, from beginners to experts. Their demo Fintokei challenges let you practice trading without risking your own money, but you can still earn real rewards. 

If you want to learn the basics, test your skills, or get paid quickly, Fintokei has a program for you. StartTrader is great for beginners, ProTrader is for experienced traders, and SwiftTrader helps you earn payouts faster. Each program gives you a different way to succeed in trading.

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