Best Funded Trading Accounts (Verified Testing 2026)

Which Prop Firms Have the Best Funded Accounts?

The best funded accounts provide high profit splits of 80% or more, scalable account options for consistent traders, and loyalty programs that reward activity with perks like higher payouts or reduced fees. Fast and reliable payouts, combined with flexible trading rules, make these the best funded trading accounts for long-term growth.

We reviewed the best funded accounts offered by top prop firms:

1. FundedNext — Best Funded Account Overall
2. BrightFunded — Best Trader Loyalty Program
3. FXIFY — Scaling Plan to $4 Million
4. Blueberry Funded — Broker Backed Funded Accounts
5. City Traders Imperium — Prop Firm Paying Trader Salaries
6. FTMO — Best Funded Account for Stocks
7. ThinkCapital — High Leverage Funded Accounts
8. IC Funded — Funded Accounts with Low Spreads
9. The 5%ers — Up to 100% Profit Split

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The 9 Best Funded Trading Accounts We Tested in 2026

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1. FundedNext — Best Funded Account Overall

FundedNext takes the top spot with flexible models, low-cost challenge options, and the ability to earn up to 95% profit split. Traders can choose from multiple evaluation styles — including the fast-track Stellar One Step, standard two-phase Evaluation, and budget-friendly Stellar Lite — with funded accounts from $5,000 to $200,000. With the ability to scale accounts to $4 million, it’s designed for long-term growth.

Use code PROPFIRMS for a 120% refund — 100% of your challenge fee back plus 20% extra as a bonus once funded.

Prop Firm Details

FundedNext runs exclusively on three models: Stellar One Step, Stellar Two Step, and Stellar Lite. All options offer 95% profit splits once funded, with flexible rules and no time limits. Funded accounts start at $5,000 and scale up to $200,000, with maximum capital allocation capped at $4 million through their scale-up program.

Feature	Details
Profit Split	Up to 95%
Account Sizes	$5,000 – $200,000
Scaling Plan	Up to $4 million
Platforms	MT4, MT5, cTrader, Match-Trader
Payout Schedule	Bi-weekly (5 days for 1-Step)
Challenge Fee (from)	$32

Funded Trading Accounts

With FundedNext, you don’t have to wait to start earning — traders on the Stellar One Step and Two Step models get a 15% profit share during the challenge phase. Once funded, payouts can start as early as five business days for Stellar One Step accounts, while Stellar Lite accounts unlock bi-weekly withdrawals.

Drawdown limits vary by model, ranging from 3% to 5% daily and 6% to 10% overall, giving you some breathing room while keeping risk in check. Leverage is capped at 30:1 for the One Step, but jumps to 100:1 for Stellar Two Step and Lite, which is ideal if you prefer more flexibility.

Expert Advisors (EAs) are also permitted on MT4 and MT5 — great if you rely on automation or advanced strategies.

Scaling Plan

FundedNext scales your account by 40% every four months if you:

• Grow the account by 10%
• Complete two successful withdrawals
• Finish the final cycle in profit

This continues up to a max of $4 million. So a $100K account could scale to $140K in 4 months, $196K in 8 months, and so on.

How to Become a FundedNext Trader?

FundedNext offers three challenge models, each designed to suit a different type of trader.

Stellar One Step is ideal if you want to skip the long evaluation and get funded fast. It’s a single-phase challenge with moderate risk limits and a 15% profit share from the moment you start.

Stellar Two Step is better suited for consistent traders who prefer a more structured path. The two-phase format gives you more flexibility on risk and strategy, while still offering a profit share during the challenge.

Stellar Lite is the most affordable option, designed for traders starting out or testing the waters. It has tighter drawdowns, no payouts during the challenge, and smaller account sizes — but it’s a solid choice if you want lower upfront fees and still access a 95% split once funded.

You can customise your evaluation by adding the following (fees are percentage-based and applied to the base challenge fee):

• Lifetime 95% Payout (+30%): Lock in the full 95% profit split from day one, even before scaling.
• Double Up (+40%): Automatically double your funded account size upon successful challenge completion.
• No Minimum Trading Days (+20%): Remove the minimum trading day requirement.
• 10% Overall Loss Limit (+25%): Increases the drawdown buffer for Stellar Lite accounts only.
• Bi-Weekly Payouts (+15%): Unlock faster payout schedules.
• Swap-Free Account (+10%): Removes overnight swap fees across all account types and sizes. Ideal for traders following religious or swing-trading strategies.

Final Verdict

FundedNext ranks as the best funded account overall for traders wanting fast access to capital, strong earning potential, and flexible rules. With options for low-cost entry, fast withdrawals, and challenge-phase payouts, it’s suited for serious traders focused on consistent growth.

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2. BrightFunded — Best Trader Loyalty Program

BrightFunded earnt the second spot on our shortlist for its challenge customisation, unlimited scaling plan, and unique Trade2Earn loyalty program which rewards you with practical perks like free evaluations and higher profit splits. With profit shares up to 100%, fast payouts, and 24/7 support, BrightFunded is a top prop firm if you are looking to grow your account over the long term and be rewarded for your trading activity along the way.

Use promo code PROPFIRMS20 for a 20% discount!

Prop Firm Details

BrightFunded takes the number two spot on our list because it combines competitive challenges with real long-term value. With accounts from $5K to $200K, profit splits that can reach 100%, and one of the only unlimited scaling plans in the industry, BrightFunded is a great fit if you want more than just a short-term challenge. Add in the unique Trade2Earn loyalty program, and you’ve got a prop firm that rewards activity, not just winning results.

Feature	Details
Profit Split	Up to 100%
Account Sizes	€5,000 – €200,000
Scaling Plan	Unlimited
Platforms	MT5, cTrader, DXTrade
Payout Schedule	Bi-weekly
Challenge Fee (from)	€55

Funded Accounts

BrightFunded runs a simple two-step evaluation before you unlock your funded account. The model is clear and fair, with a 5% daily loss limit and 10% total drawdown applied across all account sizes. You start on an 80% profit split, which can be increased to 90% through add-ons or scaled up to 100% as you grow your account.

Customisation is another big draw here. Optional add-ons let you shorten payout cycles to weekly or bi-weekly, remove the 5-day minimum trading rule, or even refund your challenge fee after funding.

BrightFunded gives you access to forex, commodities, indices, and a great range of cryptocurrency markets on three platforms: MetaTrader 5, cTrader, and DXtrade.

Trade2Earn Loyalty Program

BrightFunded’s Trade2Earn program is a unique perk that rewards every trade you place, whether profitable or not. Tokens are added automatically to your dashboard and can be redeemed for:

• Free evaluations or discounts of up to 50% on future challenges
• Profit split boosts all the way to 100%
• Lower profit targets or extended drawdown limits during challenges
• Practical perks that reduce trading costs and increase flexibility

So far, BrightFunded has distributed more than 175,000 tokens and paid out an extra $200,000 through their loyalty program. It’s a genuine long-term incentive that makes them unique from other prop firms.

Scaling Plan

One of BrightFunded’s biggest selling points is its unlimited scaling plan. Every 4 months, you can increase your balance by 30% of the original size as long as you:

• Achieve at least 10% profit over the period
• Are profitable in 2 out of 4 months
• Complete two profit payouts
• Finish the cycle with a positive balance

There’s no cap on how many times you can scale, and once you hit the third milestone you keep 100% of profits. This makes BrightFunded one of the most future-proof prop firms for traders who want real account growth.

How to Become a BrightFunded Trader?

BrightFunded keeps things clear and simple with a traditional two-step evaluation process:

Step One: Hit an 8% profit target while staying within the 5% daily loss limit and 10% overall drawdown. You’ll also need to trade for at least 5 days.

Step Two: The target drops to 5%, with the same risk rules and a minimum of another 5 trading days.

Funded Account: Pass both steps and you’ll unlock your funded account, starting with an 80% profit split and the chance to scale all the way to 100% through add-ons or long-term performance.

The process is flexible too. With add-ons, you can speed up payouts, skip the minimum trading days, or even start with a higher profit split. That means you can shape the evaluation to match your exact needs instead of being stuck with a one-size-fits-all challenge.

Final Verdict

BrightFunded earns an overall score of 95/100 and its place near the top of our list thanks to its unlimited scaling, loyalty rewards, and flexible account setup. It’s rare to find a prop firm that offers both low entry costs and long-term growth, but BrightFunded manages both. With three strong platforms including MT5, 100% profit splits, and genuine perks, it’s a great option for forex and crypto traders.

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3. FXIFY — Scaling Plan to $4 Million

FXIFY makes the cut thanks to its flexible account options, generous profit splits of up to 90%, and a clear scaling plan that allows traders to double their account size every three months with consistent performance. Traders can choose from instant funding or evaluation challenges tailored to different experience levels, while platform options like MT4, MT5, and DXTrade provide access to diverse markets, including forex, commodities, and indices.

Prop Firm Details

FXIFY combines flexibility and growth potential, offering traders the opportunity to scale their accounts and maximise profits with structured trading rules. Their funded accounts provide adaptable options like instant funding or multi-phase challenges, paired with advanced platforms and a supportive community.

While FXIFY’s transparency around trading costs could improve, their focus on scaling and profit-sharing options makes them an attractive choice for traders who prioritise capital growth.

Feature	Details
Profit Split	Up to 90%
Account Sizes	$5,000 – $400,000
Scaling Plan	Up to $4 million
Platforms	MT4, MT5, DXTrade
Payout Schedule	Bi-weekly
Challenge Fee (from)	$39

Funded Trading Accounts

FXIFY funded accounts provide a starting profit split of 80%, which can be upgraded to 90% with an add-on during account setup. Payouts are flexible, with traders able to request withdrawals immediately after their first profitable trade. Bi-weekly payouts are also available for an additional fee.

Once you reach funded trader status with FXIFY, you need to follow these trading rules to keep your trading account:

• Daily Loss Limits: Differ between challenge types, ensuring traders maintain discipline.
• Maximum Drawdown: Between 6–10% depending on the account type.
• Permitted Trading Strategies: Automated strategies (EAs), news trading, and copy trading between personal FXIFY accounts are allowed, while arbitrage and high-frequency trading are restricted.

To tailor your funded account, you can choose various add-ons when you initially sign up:

• Increased Leverage: Up to 50:1 for forex and gold with a 25% fee.
• Higher Profit Splits: Upgrade to a 90% profit split for a 20% fee increase.
• Bi-Weekly Payouts: Add this feature for a 5% fee.

These features make FXIFY’s funded accounts highly customisable and suitable for traders with a range of strategies, from short-term scalping to long-term trend trading.

Scaling Plan

FXIFY’s scaling plan rewards consistent performance with substantial growth opportunities. Traders who achieve a 10% profit within the first three months, with two of those months in profit, receive a 25% account increase. After this, accounts can double every three months if the same targets are met.

Example of Scaling Progression:

Timeline	Account Size
Initial	$400,000
Month 3	$500,000
Month 6	$1,000,000
Month 9	$2,000,000
Month 12	$4,000,000

This straightforward system not only motivates traders to maintain discipline but also provides a clear path to handling larger capital allocations over time. The plan’s focus on gradual scaling ensures traders have the opportunity to grow sustainably.

How to Become a FXIFY Funded Trader?

FXIFY offers four distinct paths to secure a funded account, ensuring flexibility for different trading styles:

• One Phase Challenge: Reach the profit target in a single stage with no time limits while staying within the drawdown cap.
• Two Phase Challenge: Complete two stages by meeting profit targets in each phase while following risk parameters.
• Three Phase Challenge: Progress through three structured steps with smaller targets, ideal for traders who prefer a gradual approach.
• Instant Funding: Skip the evaluation entirely and start trading live capital immediately with profit-sharing from day one.
• Lightning Challenge: A fast-tracked evaluation with a short timeframe and strict consistency rules.

Each pathway enforces strict drawdown rules to encourage risk management, but traders have the flexibility to choose the evaluation style and timeline that suits their goals.

Final Verdict

FXIFY is a solid choice for traders focused on growth, offering a clear scaling plan that doubles account size every three months with consistent performance. The 80% profit split, upgradeable to 90%, provides strong earning potential, while flexible account customisations like increased leverage and bi-weekly payouts cater to diverse trading needs.

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4. Blueberry Funded — Broker Backed Funded Accounts

Blueberry Funded ranks 4th in our 2026 list of the best funded accounts, with a strong score of 93/100, making it one of the highest-rated firms we tested this year. It offers low-cost challenges starting at just $32.50, access to five asset classes including stocks and crypto, and four evaluation types, including a dedicated stock trading challenge. The firm is backed by ASIC-regulated broker Blueberry Markets, adding transparency and trust for funded traders.

Use our Blueberry Funded promo code PROPFIRMS20 for a 20% discount on all challenges.

Prop Firm Details

Blueberry Funded offers four flexible evaluations: 1 Step, 2 Step, 7-Day Rapid, and a dedicated Stock Challenge. These cater to traders seeking everything from rapid funding to structured evaluations. Account sizes range from $5,000 to $200,000, with scaling up to $2 million.

Spreads start from 0.1 pips, and commissions are fixed at $7 round-turn for forex and $2 per lot for stocks. The firm supports MT4, MT5, DXTrade, and TradeLocker across various challenge types.

Feature	Details
Profit Split	Up to 90%
Account Sizes	$5,000 – $200,000
Scaling Plan	Up to $2 million
Platforms	MT4, MT5, DXTrade, TradeLocker
Payout Schedule	Every 14 days
Challenge Fee (from)	$32.50

Funded Trading Account

All Blueberry Funded accounts follow clear rules, including:

• Profit Splits: 80% standard, 90% with performance
• Drawdown Limits: Up to 10% total and 5% daily
• Trading Rules: EAs allowed, no mandatory stop-loss, weekend trading permitted
• Profit Payouts: Every 14 days via RiseWorks (USDC/USDT)

Stock Challenge accounts include additional rules like a consistency rule for withdrawals and restricted trading around market open/close. These help enforce risk control for equity traders.

Scaling Plan

Blueberry Funded’s scaling plan increases account size by 25% every 3 months if you meet:

• A 10% net profit target
• At least four successful payouts within the same period

The maximum capital allocation is $2 million, and trading rules stay the same as your account grows — no stricter limits or new evaluations.

How To Become A Blueberry Funded Trader?

You can choose from four evaluations:

• One Step: 10% profit target, 6% drawdown, no time limit
• Two Step: 10% in Phase 1, 5% in Phase 2, 10% drawdown, higher leverage (1:50)
• Rapid Challenge: 7 days to reach 5% profit, 4% trailing drawdown
• Stock Challenge: Two-phase evaluation for US stocks, strict drawdowns, and payout rules

All challenges are priced competitively and come with simple risk parameters and platform flexibility.

Final Verdict

Blueberry Funded ranks as the 4th best funded account in 2026 with a score of 93/100. Its low entry fees, strong challenge variety, and access to over 1,100 assets — including US stocks and crypto — make it one of the most flexible prop firms available.

While news trading restrictions and limited payment options are drawbacks, the clear scaling plan, broker-backed credibility, and high TrustPilot rating support its position as one of the most trader-friendly options on the market.

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5. City Traders Imperium — Prop Firm Paying Trader Salaries

City Traders Imperium (CTI) offers competitive profit splits reaching up to 100%, diverse funding options like 1-Step, 2-Step, and Instant Funding programs, and trader salaries as a unique perk. With affordable fees, clear scaling opportunities up to $2 million, and an engaged trading community, CTI caters to both beginner and experienced traders seeking long-term growth.

Prop Firm Details

Founded in 2018 and based in Dubai, CTI has established itself as a leading prop trading firm with a strong focus on scalability and trader development. CTI provides access to forex, indices, commodities, and cryptocurrencies through MetaTrader 5 and Match Trader platforms, offering flexibility and comprehensive trading tools for traders at all levels.

Feature	Details
Profit Split	Up to 100%
Account Sizes	From $2,500
Scaling Plan	Up to $2 million
Platforms	MT5, Match Trader
Payout Schedule	Monthly
Unique Feature	Monthly trader salary

CTI Funded Accounts

City Traders Imperium (CTI) provides funded accounts that combine attractive profit splits, scaling opportunities, and rewards through the Golden Trader Loyalty Program. These accounts are designed for traders seeking both flexibility and long-term growth.

Profit Splits: Accounts start with an 80% profit split and can increase to 100% as traders achieve performance milestones.

Golden Trader Loyalty Program: Rewards consistent performance with additional benefits:

• Bronze Level: Weekly payouts, a 90% profit split, coaching, and discounts.
• Silver Level: On-demand payouts, a 100% profit split, and personalized merchandise.
• Gold Level: Institutional-grade trading conditions, custom funding terms, and a potential one-year salary.

CTI’s funded accounts include rules to promote disciplined and consistent trading:

• Daily Drawdown Limits: Ranges from 6–10% depending on the account type, encouraging disciplined trading.
• News Trading Permitted: Traders can hold positions during high-impact news events and over weekends.
• Stop-Loss Requirement: All trades must include a stop-loss, automatically enforced for risk management.

Scaling Plan

CTI’s scaling plan rewards consistent performance by doubling account sizes up to $2 million while increasing profit splits to 100%.

Progression Example:

• Start with $50,000: A 10% profit milestone doubles the account to $100,000.
• Maintain Consistency: Accounts continue doubling as traders meet additional milestones.
• Profit Split Growth: Each milestone increases the profit split by 10%, capping at 100%.

CTI also offers the Golden Trader Loyalty Program, which adds further rewards, such as VIP coaching, merchandise, and even a potential guaranteed salary at the Gold level.

How to Become a CTI Trader?

CTI provides flexibility with evaluation challenges tailored to various trading styles:

• 1-Step Challenge: Complete a single phase with a 10% profit target and 6% drawdown cap.
• 2-Step Challenge: Phase 1 requires a 10% profit target, while Phase 2 lowers the target to 5%.
• Instant Funding: Skip evaluations and access capital immediately, with up to 100% profit splits.

Both challenges have no time limits, allowing traders to progress at their own pace while focusing on consistency and discipline.

Final Verdict

CTI combines high profit potential with unique benefits like trader salaries, flexible evaluations, and a supportive community. While the firm’s 1:10 leverage for commodities and indices may limit position sizes, its broad market access, affordable fees, and clear scaling opportunities make it an excellent choice for traders aiming for long-term growth.

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6. FTMO — Best Funded Account for Stocks

FTMO scores 83/100 and is the most established prop firm in the industry, operating since 2015. With a Trustpilot rating of 4.8 and a proven track record of paying out traders, FTMO is the go-to for conservative traders who want a reliable funded account. Their stock market access makes them the best option for equity traders.

Funded Account Details

FTMO runs a 2-step evaluation with 10% and 5% profit targets, 5% daily and 10% overall drawdown. Account sizes range from €10,000 to €200,000, with fees starting at €155. Scaling goes up to $2 million. FTMO supports 18+ languages and operates with a dedicated performance coach for funded traders.

Feature	Details
Profit Split	Up to 90%
Account Sizes	€10,000 – €200,000
Scaling Plan	Up to $2 million
Platforms	MT4, MT5, cTrader, DXTrade
Payout Schedule	Monthly
Challenge Fee (from)	€155

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7. ThinkCapital — High Leverage Funded Accounts

ThinkCapital offers high leverage funded accounts that appeal to aggressive traders looking for maximum exposure. With competitive leverage ratios and a streamlined evaluation process, ThinkCapital caters to traders who want to maximise their trading potential.

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8. IC Funded — Funded Accounts with Low Spreads

IC Funded scores 79/100 and is backed by IC Markets, one of the world’s largest forex brokers. With spreads from 0 pips, commissions of $3.50 per lot, and challenge fees starting at just $29.75, IC Funded offers some of the lowest trading costs in the funded account space.

Funded Account Details

IC Funded offers 1-step, 2-step, and three-phase challenges with account sizes from $5,000 to $200,000. Fees start at just $29.75 for a $5,000 1-step account. The IC Markets backing ensures institutional-grade execution with raw spreads from 0 pips.

Feature	Details
Profit Split	Up to 80%
Account Sizes	$5,000 – $200,000
Platforms	MT4, MT5
Payout Schedule	Bi-weekly
Commission	$3.50 per lot
Challenge Fee (from)	$29.75

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9. The 5%ers — Up to 100% Profit Split

The 5%ers score 78/100 and have been operating since 2016, making them one of the most established prop firms. With profit splits up to 100%, scaling to $4 million, and a monthly salary for top performers, The 5%ers offer a comprehensive funded trading experience with a Trustpilot rating of 4.9.

Funded Account Details

The 5%ers offer 1-step and 2-step evaluations with account sizes from $5,000. The High Stakes 2-step starts at $39. Scaling goes up to $4 million, and funded traders can receive a monthly salary. The Trustpilot rating of 4.9 is the highest in the industry.

Feature	Details
Profit Split	Up to 100%
Account Sizes	From $5,000
Scaling Plan	Up to $4 million
Platforms	MT5, MatchTrader
Payout Schedule	Monthly
Challenge Fee (from)	$39

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How We Choose the Best Funded Accounts

We evaluated funded accounts based on the trader experience after passing evaluation challenges. Our methodology prioritises factors like profit splits, trading rules, scaling opportunities, and ease of access to live capital. The goal was to identify firms offering fair and transparent funding models that support traders’ long-term success. Here’s what we focused on:

1. Profit Splits

Profit splits are a key metric for determining the earning potential of funded accounts. Firms with splits starting at 75% or higher, and opportunities to scale up to 90%-100%, scored higher.

2. Evaluation Challenges

We reviewed the structure and accessibility of evaluation challenges, including:

• Profit Targets: Reasonable targets, typically 8%-10% for Phase 1 and 4%-5% for Phase 2.
• Drawdown Limits: Flexible limits, such as 5% daily and 10% overall, that balance risk with opportunity.
• Evaluation Process: One-step, two-step, or instant funding options to cater to different trader preferences.

3. Scaling Plans

Firms with clear, achievable scaling plans ranked higher. We prioritised those offering incremental account growth, such as 25%-40% increases every few months, and those allowing accounts to scale up to $2 million or more.

4. Payout Policies

Frequent, fast payouts were essential. We assessed minimum withdrawal amounts, payout frequency (weekly or bi-weekly), and profit split terms to ensure traders could access their earnings quickly and efficiently.

5. Trading Rules and Platforms

Transparent trading rules and platform flexibility were crucial. Firms allowing strategies like news trading, EAs, and weekend trading scored higher. Platforms like MT4, MT5, and cTrader were rated for usability, advanced tools, and multi-device compatibility.

6. Costs and Fees

We reviewed challenge fees, commissions, and spreads to assess cost-efficiency. Firms offering low entry fees, spreads below 1 pip for popular forex pairs, and transparent pricing ranked higher.

This methodology focuses on funded accounts that provide fair evaluations, strong earning potential, and scalability. By combining technical and trader-focused assessments, we aim to highlight firms that not only help traders get funded but also support long-term growth and profitability.

Our prop firm reviews provide a clear and actionable framework for selecting the best funded accounts, ensuring traders can make informed decisions.

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FAQs

What is the best funded trading?

The best funded trading accounts offer high profit splits, scaling opportunities, and fair rules. FundedNext provides up to 95% profit splits with a 110% fee refund on successful challenge completion, making it a strong choice for traders seeking high payouts and reduced upfront costs. The top prop firms support long-term trader growth with scaling plans and frequent payouts.

How to get a funded trading account?

You can get a funded trading account by passing a prop firm’s evaluation challenge, which requires meeting profit targets while staying within drawdown limits. Some firms also offer instant funding, allowing traders to skip the evaluation process and start trading with a live account immediately — though these often come with lower profit splits or higher fees.

Which funded account is best for beginners?

The best funded account for beginner prop traders is BrightFunded or Blueberry Funded due to their beginner-friendly tools and features. BrightFunded’s proprietary platform offers intuitive trading tools, customisable evaluations, and the Trade2Earn programme, which simplifies challenges for new traders. Blueberry Funded supports beginners with low challenge fees, spreads from 0 pips, and user-friendly platforms like MT4 and MT5, known for their simplicity and flexibility.

How much does a 100K funded account cost?

The cost of a 100K funded account depends on the prop firm. The cheapest prop firms include BrightFunded which charges €495 for its evaluation challenge, offering flexible scaling and high profit splits. FXIFY prices range from $399 to $499, depending on the selected challenge type, while FundedNext charges $549 to $569, influenced by optional add-ons like faster payouts.

Is trading with a funded account worth it?

Trading with a funded account can be worth it for disciplined traders who want access to capital without risking personal funds. By joining a prop firm, traders can leverage firm-provided funds, access advanced trading platforms, and earn high profit splits, often between 75% and 90%. Successful traders also benefit from scaling plans and growth opportunities.