Fintokei Review Overview (2025)

Fintokei is a pioneering proprietary trading firm designed to empower traders by providing them access to significant trading capital and a streamlined path to working with regulated portfolio management companies. With Fintokei, traders can build a verified track record, potentially reaching over 150,000 investors and managing capital exceeding 40 million euros.

What distinguishes Fintokei is their diverse program offerings tailored to different trading skills and experience levels. The SwiftTrader program allows traders to start earning immediately without any evaluation phase, with starting capital ranging from €1,000 to €50,000 and the potential to scale up to €500,000. ProTrader is designed for those with advanced skills, requiring a 2-phase evaluation to access up to €4,000,000 in trading capital. StrategyTrader caters to seasoned traders with impressive track records, offering opportunities to connect with partner companies for copy trading and further earnings.

Is Fintokei Right For You?

Fintokei is particularly well-suited for traders who value flexible funding options without time constraints. The firm offers three distinct program types that accommodate various trading styles and experience levels. The SwiftTrader program provides immediate funding for those who prefer to skip evaluation phases, while ProTrader offers a more traditional two-phase challenge with higher capital potential. StartTrader provides a structured three-phase approach with more modest targets.

However, traders should note that accounts will expire after 30 days of inactivity, which may not suit occasional traders. The scaling requirements demand consistent performance over two consecutive months to advance, and SwiftTrader's higher initial costs may be a barrier for some. Those seeking maximum broker flexibility or requiring daily drawdown protection on all account types may want to explore alternatives.

Fintokei offers competitive trading conditions across their various programs. The firm collaborates with Purple Trading to provide reliable execution and access to multiple markets. Here's a detailed breakdown of what traders can expect:

Leverage & Risk Parameters

Fintokei offers different leverage options depending on the program and instrument:

• ProTrader: 1:100 on FX, Gold and Silver, 1:50 on Indices, 1:20 on other instruments
• SwiftTrader: 1:50 on FX, Indices, Gold, Silver, 1:20 on other instruments
• StartTrader: 1:25 on FX, Gold, Silver, 1:20 on Indices, 1:10 on other instruments

Risk management parameters vary by program. ProTrader and StartTrader implement daily drawdown limits of 5% and 3% respectively, calculated from the Start of Day Equity. SwiftTrader does not impose daily drawdown limits. Maximum overall drawdown ranges from 6% for StartTrader to 10% for ProTrader and SwiftTrader programs.

Trading Restrictions

Fintokei maintains several restrictions to ensure trading integrity:

• Maximum value of initial amounts is capped at €500,000 per customer for ProTrader (can be surpassed through scaling)
• Maximum value of initial amounts is capped at €200,000 per customer for SwiftTrader (can be surpassed through scaling)
• For StartTrader, a consistency rule applies where maximum 40% of your profit target can come from one day
• Copying trades from others without proper authorization is prohibited
• Martingale strategies are not allowed
• Tick scalping and latency arbitrage are prohibited
• Trading opposite positions across multiple accounts is not permitted
• Accounts will be breached and closed if there is no trading activity in any 30-day period

News Trading and Weekend Holding

Unlike many prop firms, Fintokei allows news trading without restrictions across all their programs. This makes the platform attractive for traders who incorporate major economic announcements into their strategy.

Additionally, overnight and weekend position holding is permitted on all account types, giving traders flexibility to maintain positions across multiple sessions and through weekend market closures.

Fintokei offers three primary program types, each designed to accommodate different trading styles, risk tolerances, and experience levels. Each program has its own evaluation structure, capital allocation options, and specific trading rules.

1. SwiftTrader (Instant Funding)

The SwiftTrader program offers instant funding without an evaluation phase, allowing traders to start earning immediately:

Key Features:

• Instant funding without evaluation phases
• No daily drawdown limits
• No minimum trading days requirement
• Leverage: 1:50 on FX, Indices, Gold, Silver; 1:20 on other instruments
• News trading allowed without restrictions
• Weekend and overnight holding allowed
• EAs and copy trading allowed
• Bi-weekly payouts (every 14 days)
• Scaling up to €500,000 with increasing profit splits (up to 90%)

2. ProTrader (Two-Phase Challenge)

The ProTrader program follows a traditional two-phase evaluation model with higher capital potential:

Key Features:

• Two-phase evaluation model
• Daily drawdown: 5% (calculated from Start of Day Equity)
• Minimum trading days: 3 per phase
• Leverage: 1:100 on FX, Gold and Silver; 1:50 on Indices; 1:20 on other instruments
• News trading allowed without restrictions
• Weekend and overnight holding allowed
• EAs and copy trading allowed
• Bi-weekly payouts (every 14 days)
• Refund of initial fee with first payout
• Scaling up to €4,000,000 with increasing profit splits (up to 95%)
• No time limit to complete challenges

3. StartTrader (Three-Phase Challenge)

The StartTrader program offers a more structured evaluation with three phases and lower profit targets:

Key Features:

• Three-phase evaluation structure
• Daily drawdown: 3% (calculated from Start of Day Equity)
• Minimum trading days: 3 per phase
• Leverage: 1:25 on FX, Gold, Silver; 1:20 on Indices; 1:10 on other instruments
• News trading allowed without restrictions
• Weekend and overnight holding allowed
• EAs allowed, but copy trading not permitted
• Maximum time limit: 180 days
• Consistency rule: Max 40% of profit target from a single day
• Bi-weekly payouts (every 14 days)
• Welcome bonus worth purchase amount after passing evaluation
• Scaling up to €1,000,000 with increasing profit splits (up to 100%)

Free Trial Account

Fintokei offers a 14-day free trial to test their platform and trading conditions before committing to a purchase. The free trial provides access to the trading interface and allows traders to experience the platform's features without financial commitment.

Fintokei employs different evaluation approaches across their three program types. While the SwiftTrader program offers instant funding without any evaluation phase, both ProTrader and StartTrader require traders to complete specific evaluation phases before receiving a funded account.

Scaling Program

Fintokei offers comprehensive scaling opportunities across all their program types:

Scaling Rules: To be eligible for scaling, traders must achieve 10% profit during at least 2 consecutive months and have all trades closed. The time period starts after the funded account creation (ProTrader), after the first processed payout (SwiftTrader), or at the date when the last scaling took place.

Scaling Levels by Program:

ProTrader Scaling (Up to €4,000,000)

• Level 1 (85% profit share): Initial capital × 1.25
• Level 2 (85% profit share): Initial capital × 1.5
• Level 3 (90% profit share): Initial capital × 2
• Level 4 (90% profit share): Initial capital × 3
• Level 5 (90% profit share): Initial capital × 4
• Level 6 (95% profit share): Initial capital × 6
• Level 7 (95% profit share): Initial capital × 8
• Level 8 (95% profit share): Initial capital × 10

SwiftTrader Scaling (Up to €500,000)

• Level 1 (55% profit share): Initial capital
• Level 2 (60% profit share): Initial capital × 1.5
• Level 3 (60% profit share): Initial capital × 2
• Level 4 (70% profit share): Initial capital × 3
• Level 5 (70% profit share): Initial capital × 4
• Level 6 (80% profit share): Initial capital × 6
• Level 7 (80% profit share): Initial capital × 8
• Level 8 (90% profit share): Initial capital × 10

StartTrader Scaling (Up to €1,000,000)

• Level 1: Initial capital × 1.25
• Level 2: Initial capital × 1.5
• Level 3: Initial capital × 2
• Level 4: Initial capital × 3
• Level 5: Initial capital × 4
• Level 6: Initial capital × 6
• Level 7: Initial capital × 8
• Level 8: Initial capital × 10

Payout Schedule

Fintokei processes payouts every 14 days across all program types:

• All programs feature a bi-weekly payout schedule
• Traders can request withdrawals once they've achieved the required profit targets
• All open trades must be closed before requesting a payout
• Multiple payment methods are supported, including credit/debit cards, Mastercard, Visa, Google Pay, and Apple Pay
• The first payout for ProTrader includes a refund of the initial challenge fee
• For StartTrader, a welcome bonus worth the amount of the purchase is provided after successfully passing all three phases of evaluation

Analysis of reviews across multiple platforms provides valuable insights into trader experiences with Fintokei. This section examines feedback from verified reviews, community discussions, and industry reports to present a balanced assessment of the firm's performance.

Review Platform Analysis

Fintokei maintains strong ratings on review platforms. On Trustpilot, the firm has received ratings of 4.7/5 (January 2025) and 4.8/5 (October 2024), indicating consistently positive feedback from users. This places them among the higher-rated proprietary trading firms in the industry.

Common themes in positive reviews include praise for customer support, with users frequently mentioning helpful and responsive service provided through various channels like chat and email. The payout process is consistently lauded for its speed and reliability, with many traders reporting receiving their payments within one to two business days. The firm has also publicized significant total payout amounts, further supporting their reputation for reliable disbursements.

The funding process is generally described as straightforward, with easy online registration and verification processes. Many traders appreciate Fintokei's association with the Purple Group, a well-established company in the financial technology sector, which adds credibility to their operations.

Community Sentiment Analysis

Analysis of community discussions reveals several recurring themes regarding Fintokei:

• Program Flexibility: Many traders appreciate the variety of program options (SwiftTrader, ProTrader, StartTrader) that cater to different experience levels and trading styles.
• Transparency: Fintokei is clear about operating a simulated trading environment, which is viewed positively by traders seeking transparency.
• Free Trial Value: The availability of a 14-day free trial is frequently mentioned as a positive feature that allows traders to test the platform before committing financially.
• News Trading Freedom: The absence of restrictions on news trading is highlighted as an advantage for traders who incorporate economic announcements into their strategies.
• 30-Day Inactivity Policy: Some concerns exist about the 30-day account inactivity policy, which may not suit occasional traders.
• SwiftTrader Costs: The relatively higher costs of the SwiftTrader program compared to similar offerings from competitors are occasionally noted as a drawback.

Industry Developments

Industry reports highlight several positive developments for Fintokei:

• Award Recognition: Fintokei received an award as the "most popular broker-backed prop firm" from Propfirmmatch.com, based on votes from traders.
• Global Expansion: The firm has been expanding its presence in various markets, including Italy, demonstrating growth and increasing international recognition.
• Regulatory Alignment: There is evidence of Fintokei adjusting to evolving regulatory landscapes, particularly in European markets, indicating a commitment to compliance.
• Platform Development: Ongoing improvements to their trading infrastructure and educational resources reflect investment in trader success.

Universal Scoring Analysis

Based on comprehensive analysis of available data, Fintokei scores as follows on a 5-star rating system:

• Transparency & Legitimacy: 3.5/5 - Fintokei is transparent about its simulated trading environment and association with the Purple Group. However, some users note the lack of detailed information regarding specific fraud prevention measures and security protocols.
• Payout Process & Reliability: 4.0/5 - Multiple sources consistently highlight the firm's fast payout times (1-2 business days) and reliable disbursement processes, making this one of Fintokei's strongest attributes.
• Challenge Fairness & Rules: 3.5/5 - The variety of program options with different evaluation approaches provides flexibility, though some elements like the consistency rule for StartTrader and the two-month scaling requirement add complexity.
• Customer Support & Community Engagement: 4.0/5 - Customer support receives consistently positive feedback for responsiveness and helpfulness. The firm also engages with the broader community through collaborations and educational initiatives.
• User Reviews & Public Sentiment: 4.5/5 - The strong Trustpilot ratings (4.7-4.8/5) and generally positive sentiment across review platforms reflect high user satisfaction.

This gives Fintokei an overall score of 3.9/5 stars, indicating a strong offering with several notable strengths and a few areas for potential improvement.

To help understand how Fintokei compares with other leading proprietary trading firms, here's a head-to-head comparison of key features and conditions:

This comparison highlights Fintokei's strengths in scaling potential, instant funding options, challenge fee refunds, and trading freedom. Their free trial availability and lack of news trading restrictions are competitive advantages. The account inactivity policy aligns with industry norms, while their payout frequency is competitive with leading firms. Areas where competitors may have advantages include FTMO's established reputation, The 5ers' straightforward scaling approach, and FundedNext's lower entry costs for certain account types.