Simulated one-, two- and three-step evaluations on TradingView, MetaTrader 5 and cTrader
Checked 8 October 2026
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Fintokei sells trading evaluations in four programmes: StartTrader (three steps), SwiftTrader (one step), ProTrader (two steps) and ProTrader Swing (two steps). Each is bought for a one-time fee, starting at $44 for a $5,000 StartTrader or SwiftTrader account. Account sizes go up to $400,000 on ProTrader.
The firm says all trading accounts are part of a virtual simulated environment with virtual money, and that trades are not executed in the real market. Payouts of performance rewards are paid in real money. The site names Fintokei a.s., a company registered in Brno, Czech Republic, as the provider of its services, and says Fintokei is not regulated.
Trading is offered on TradingView, MetaTrader 5 and cTrader. This review is based on Fintokei's own website and help centre. Some help-centre collections were saved with article titles only, and the full Terms & Conditions are a PDF we could not read, so a number of detailed rules are not covered here. Where the firm's pages disagree, we say so.
Everything in this review comes from Fintokei's own web pages, saved on 7–9 October 2026. Rules and prices change, so check the firm's site before you buy.
| Highest profit split | Up to 100% 12 Firm's wording: “StartTrader · Accounts up to $100,000Gradually increasing difficulty3-step evaluation · Performance Reward 50–100%Price from $44” |
|---|---|
| Cheapest account | $44 (list price) 1 |
| Account types | 1-Step evaluation, 2-Step evaluation, 3-Step evaluation 123 |
| Markets | Forex, Crypto, Indices, Commodities, Metals 1 |
| Platforms | MetaTrader 5, TradingView, cTrader 12 |
| Allowed / offered on at least one account type |
Rules can differ between account types — check the linked page for the account you want. |
| Not allowed, or rules that apply (firm says so) |
|
| US traders | Not accepted 1 |
| Restricted countries named | Afghanistan, Bangladesh, Belarus, China, Cuba, India, Iran, Iraq, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, United States, Venezuela, Vietnam, Yemen 1 Countries the firm names. Its list may also refer to sanctions lists or other countries — check the linked page. |
The table below shows the rules on the programme cards on Fintokei's home page. All four programmes list a maximum allowed risk on open trades of -3%.
| Programme | Steps | Account sizes | Profit target | Daily loss limit | Maximum loss limit | Time limit | Performance reward |
|---|---|---|---|---|---|---|---|
| StartTrader | 3 | $5,000 to $100,000 | 2% / 3% / 6% | -3% (equity based) | -6% | Min 3 days, max 180 days | 50–100% |
| SwiftTrader | 1 | $5,000 to $200,000 | 6% | -2% | -3% | Min 3 trading days, max 60 | 90% (accounts bought after 15 July 2026) |
| ProTrader | 2 | $5,000 to $400,000 | 8% / 6% | -5% (equity based) | -10% | Min 3 profitable days, max unlimited | 80% initial |
| ProTrader Swing | 2 | $5,000 to $200,000 | 8% / 6% | -5% (balance based) | -10% | Min 3 trading days, max unlimited | 80% initial |
The programmes page gives StartTrader's daily loss limit type as equity based. The home page also lists a StartTrader consistency rule: at most 40% of the profit target can come from one day, in each of the three phases. ProTrader Swing is listed as swap-free.
Prices are shown as one-time fees. The fee for each account size is below (a dash means that size is not offered on that programme's cards).
| Programme | $5,000 | $10,000 | $20,000 | $50,000 | $100,000 | $200,000 | $400,000 |
|---|---|---|---|---|---|---|---|
| StartTrader | $44 | – | $119 | $244 | $419 | – | – |
| SwiftTrader | $44 | $89 | $144 | $299 | $499 | $1,099 | – |
| ProTrader | $49 | $99 | $159 | $329 | $549 | $1,249 | $2,599 |
| ProTrader Swing | $69 | $119 | $199 | $419 | $679 | $1,499 | – |
The home page says you can get up to three free trial accounts. The cTrader page describes the free trial as working for all programmes, with 8 free trial runs per account in first-phase conditions. The FAQ says you can try a challenge again as many times as you like.
A help-centre article dated 15 July 2026 says that for SwiftTrader accounts bought after 15 July 2026 the profit target is 6% (previously 10%) and the performance reward ratio is 90% (previously 100%). The SwiftTrader banner on the home and programmes pages still says "Achieve over 10% profit? You're ready to get paid.", while the cards below it show a 6% target. We use the 6% target from the cards and the dated help-centre article.
The home page gives StartTrader a time limit of at least 3 days and at most 180 days for phases I and II, and SwiftTrader a minimum of 3 trading days and a maximum of 60. ProTrader and ProTrader Swing have no maximum time limit for phases I and II. Most ProTrader cards on the home page describe the minimum as 3 profitable days; the page also shows 3 trading days on the $5,000 ProTrader card.
Fintokei's FAQ explains the -3% maximum allowed risk on open trades as meaning that no single setup can risk more than 3% of the account at once.
The help centre caps the total initial balance of virtually funded accounts at 400,000 EUR/USD for ProTrader and ProTrader Swing combined, 100,000 EUR/USD for StartTrader and 200,000 EUR/USD for SwiftTrader. It says the only way to go above these levels is the Loyalty Program's Capital Scaling Boost. You can have at most 200 open or pending orders at once.
The symbols page lists maximum leverage by programme; for example, gold (XAUUSD) is 25:1 on StartTrader, 100:1 on ProTrader and 50:1 on SwiftTrader, and oil is 10:1 on StartTrader and 20:1 on ProTrader and SwiftTrader. The page says maximum leverage is reduced to 1:10 for FX and 1:5 for other instruments when Consistency rules are applied to an account. Our saved copy of the symbols page showed only part of the instrument list, so we do not give FX leverage figures.
The programmes page lists EAs, news trading, scalping, intraday and swing trading, and holding positions over the weekend as allowed. These general statements sit alongside the policies below.
Fintokei's anti-gambling policy lists these as gambling behaviour:
If it detects such behaviour, the firm says it may send a warning, apply Consistency Rules (for example leverage reduction or a daily profit cap), restrict or breach the account, or in repeat or severe cases block access to its platform.
A separate sustainable trading policy says a sustainable strategy typically risks 0.5–1% of equity per trade idea. It suggests a check: remove your 3 most profitable days, and the rest should still be clearly positive. The policy says the firm acts in steps, starting with a notification and a chance to adjust, then Consistency Rules where needed, and that traders keep a right to appeal.
The help centre's "Prohibited Trading practices" collection has articles on tick scalping, latency arbitrage, opposite trading or hedging across multiple accounts or traders, multiple profiles, copy trading and EAs, sharing one device between customers, using multiple IP addresses or masking them, and unauthorised third-party payment. Another article in the collection is titled "Martingale and Aggressive Averaging: now allowed but not recommended". We saw only the article titles in this collection, not the full rules, so check them before you trade.
StartTrader lists a performance reward of 50–100%. The help centre has articles on a "Dynamic Performance reward" for StartTrader, which we could not read in our saved pages. SwiftTrader pays 90% on accounts bought after 15 July 2026; for accounts bought earlier as a one-phase special offer, the ratio is 100%. ProTrader and ProTrader Swing list an initial performance reward of 80%.
On virtually funded ProTrader, ProTrader Swing and StartTrader accounts, you can withdraw once at least 14 days have passed since your last processed payout or your first trade. On SwiftTrader you also need a profit of at least 3% of the initial balance, together with the same 14-day wait. The SwiftTrader help article gives this minimum as, for example, $150 on a $5,000 account and $3,000 on a $100,000 account. You must close all open trades before requesting a withdrawal, and you must pass KYC first. The minimum withdrawal is 100 EUR, 100 USD, 2,000 CZK or 20,000 JPY, with a higher minimum for 400,000 EUR ProTrader plans.
Payouts can go by bank wire, wallet-to-wallet transfer or to a crypto wallet. The firm says it covers the withdrawal fees needed to send the funds. Crypto payouts carry a commission of 2.5% of the amount, plus 10 EUR for ETH and USDT or 20 EUR for BTC and USDC (2.5% only for other coins such as LTC). Crypto payouts are available only in listed countries, which include the United Kingdom.
According to the help centre, payout requests are approved automatically, most within 10–20 seconds. Payouts of up to $10,000 by the Walletory wallet-to-wallet method are processed instantly; bank wires, crypto withdrawals and Walletory payouts above $10,000 are sent within 1 business day. The payouts page puts it more briefly: processing within 24 hours, or within seconds by e-wallet. We rely on the more detailed help-centre article. The account stays active after a payout request.
Instant payouts use Walletory Pte Ltd, which the help centre describes as a Singaporean-licensed institution without a licence for payment services in EU member countries; traders must be onboarded by Walletory separately.
Fintokei runs a Loyalty Program in which traders earn experience points (XP) for activity such as trading, passing phases and approved payouts, and move up tiers. The top tier (30,000 XP) lists a free $100,000 ProTrader challenge, a 20% performance reward ratio increase, a 2% increase to the daily and maximum loss limits, and a 25% virtual capital boost. The capital boost applies only to virtually funded accounts. The loyalty page says the performance reward ratio is capped at 100% across all accounts. The help centre says the programme is being rolled out in stages and has not been made available to all customers, including some to whom restrictions were applied in the past.
Fintokei offers TradingView, MetaTrader 5 and cTrader, and its platform page says any challenge (StartTrader, SwiftTrader or ProTrader) can be traded on any of them. TradingView works by linking a cTrader account through Purple Trading; MT4 and MT5 accounts cannot be connected to TradingView. The firm says MetaTrader 5 runs on its own dedicated servers. Its platform page says trading bots can be used and that all three platforms support algorithm development and backtesting. All three platforms have mobile apps, and challenge progress can be tracked in the Fintokei mobile app.
The symbols page says you can trade FX pairs, CFD metals, CFD energies, CFD indices and CFD crypto currencies, but not stocks. The FAQ on the home page lists FX, metals, energies and indices, and says the firm does not currently offer crypto or stock trading. The MetaTrader 5 page lists digital currencies as tradeable on MT5. We follow the symbols page, which is the firm's instrument list and has a "Digital currencies" tab, but check the instrument list before you buy if you plan to trade crypto. The home page advertises 0% commissions on oil and indices.
The website footer says its services are provided by Fintokei a.s., registered office Masarykova 409/26, Brno, Czech Republic, company ID 09110127, registered with the Regional Court in Brno. The help-centre footer adds that Fintokei is also a registered business name under AXSE Brokerage Ltd. in Seychelles, which it says operates the trading platforms and provides technical infrastructure. The home page describes Fintokei as part of the Purple fintech group, which it says was established in 2011.
The firm states: "Fintokei is currently not regulated because we do not provide any regulated investment services, do not collect any clients' deposits, nor do we facilitate any real trading transactions to the customers." It says it is not a broker and does not accept customer deposits.
Fintokei accepts adults aged 18 or over, but not people with a criminal financial record or on a sanctions list. It does not serve residents or citizens of Afghanistan, Belarus, Cuba, India, Iran, Iraq, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, the USA, Venezuela and Yemen, and Bangladesh, China, Pakistan and Vietnam are temporarily restricted. New purchases are not available in Cambodia, Ethiopia, Ghana, Indonesia, Kenya, Malaysia, Morocco, Nigeria, the Philippines, Saudi Arabia, Senegal, South Africa, Thailand, Türkiye, Ukraine and the United Arab Emirates. The help centre warns that people with residency or citizenship in a restricted country risk having a payout request rejected at KYC.
StartTrader is presented as the beginner programme, with lower phase targets (2%, 3% and 6%) but a 180-day limit and a 40% one-day consistency rule. SwiftTrader has one 6% phase but the tightest loss limits of the four programmes, -2% daily and -3% overall. ProTrader and ProTrader Swing have wider -5% daily and -10% maximum loss limits and no maximum time limit, with an initial 80% reward. Swing traders may look at ProTrader Swing, which is listed as swap-free with a balance-based daily loss limit.
The firm's anti-gambling policy says it supports controlled risk per trade idea and across all open trades, so traders who size positions large relative to the account should read it first. Residents of the USA, India and the other listed countries cannot join.
MyPropGenius Rating:
The rating measures how openly Fintokei discloses its rules, pricing, payouts and ownership (our Transparency Index methodology). It does not measure how likely you are to pass or be paid.
The footer gives the operating entity, its registered office, company ID, the court register and file number, and a second Seychelles entity with its company number. The site says plainly that accounts are simulated, that Fintokei is not a broker and that it is not regulated. We did not find a refund page. The firm's Payouts page lists dozens of individual payouts by trader first name and amount, plus 2025 averages and totals, but none of the records are dated, so we could not check how recent they are. Operating history runs from 23 Jan 2023, the earliest Internet Archive copy of the homepage (the About timeline gives 2022): over three years.
Its Transparency Index score is 62/100 (Good). We do not verify payouts or test accounts; this is what the firm’s own pages show.
Check the current rules and prices on the firm's own website before you buy.
We have no commercial relationship with Fintokei. Links to its website are not affiliate links.
Fintokei offers four simulated evaluation programmes with one-time fees from $44 and three platforms. Its rules are clearly laid out per programme, from SwiftTrader's tight -2%/-3% loss limits to ProTrader's -5%/-10% limits with no maximum time limit. Traders should read the -3% open-risk cap and the anti-gambling and sustainable-trading policies closely, and check the instrument list for crypto, as the site's pages disagree on it.
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No. Fintokei says it is currently not regulated because it does not provide regulated investment services, collect client deposits or facilitate real trading transactions.
Fees are one-time and start at $44 for a $5,000 StartTrader or SwiftTrader account. The largest account, a $400,000 ProTrader, costs $2,599.
StartTrader lists 50–100%, SwiftTrader 90% for accounts bought after 15 July 2026, and ProTrader and ProTrader Swing an initial 80%. The loyalty page says the ratio is capped at 100%.
At least 14 days must pass since your last payout or first trade. SwiftTrader also requires a profit of at least 3% of the initial balance. The minimum withdrawal is generally 100 EUR or 100 USD (120 EUR/USD on 400,000 EUR ProTrader plans).
No. The USA is on Fintokei's list of countries it does not serve.
TradingView, MetaTrader 5 and cTrader. TradingView is used by linking a cTrader account.