IQ Capital Review 2026

IQ Capital offers a Challenge evaluation and Instant Funding. Its homepage says traders can pass its evaluation and qualify for capital up to $200,000, or skip the challenge with Instant Funding up to $100,000. It also describes IQ Elite as an inner circle within the firm. Its platform integrations cover crypto and CFDs as well as futures.

This review is based on the firm's homepage, pricing page, rules pages and FAQ. Several parts of the site could not be read in our copies, including its terms, payout section and the answers to most FAQ questions. Where the pages disagree, we say so. Our copies do not say directly whether standard funded accounts are simulated; the homepage says the top 5% of funded traders are invited to trade real institutional capital, ‘not a demo account’.

Everything in this review comes from IQ Capital's own web pages, saved on 10 October 2026. Rules and prices change, so check the firm's site before you buy.

The pricing page has entries headed $9 Challenge, Evaluation and Instant Funding. The homepage also describes IQ Elite, which it calls the exclusive inner circle within IQ Capital, and says the top 5% of funded traders get invited to trade real institutional capital.

The homepage says you can qualify for capital up to $200,000 through the evaluation, and Instant Funding up to $100,000. The same page also says instant or evaluated funding goes up to $200,000. The pricing page says that once you pass your Challenge you move straight into a funded account, with no additional requirements.

The homepage and pricing page show, without a size label in our copies, prices of $245, $49, $475 and $95 (each near the words “one-time fee”), profit targets of $3,000 and $6,000, maximum drawdowns of $2,000 and $3,000 with an EOD trailing mode, daily loss limits of $1,000 * and $1,500 *, a 30-day duration and no consistency rule. Our copies do not show which account each figure belongs to, and the pages do not say which price is the list price. The homepage was also showing a site-wide promotion at the time of our capture.

The same pages list an extension fee of $19 and a maximum of 10 accounts. The asterisk on the daily loss figures is not explained in our copy. The site also says you can get started for $9, and the pricing page mentions entry from just $1 without saying which product that applies to.

The FAQ mentions a monthly charge of $5 on each CFD/crypto account and $19 on each futures account; our copy does not say which programmes it applies to.

The rules page calls itself the complete rulebook for IQ Capital challenges and funded accounts. It sets these rules:

• Profit target: 8% on the rules page.
• Maximum drawdown (trailing, end of day): at each New York close a trailing line is set 6% (challenges $10K–$100K) or 5% ($200K and instant funding) below the previous day's highest equity. If end-of-day equity falls below it, the account closes. The line only moves upward. The FAQ describes a dynamic equity floor that trails upward with profits until it locks.
• Maximum position loss: given as <1% / 0.5%, and the page says the maximum risk per trade differs by phase. The homepage shows a 1% position loss. Trading fees, commissions, spreads and slippage count towards the loss, and reaching the limit exactly already counts as a breach.
• Consistency: your single highest-profit day may never make up more than 30% of your total profits. This applies only to Funded and Instant Funding accounts, never to the Challenge. The FAQ says exceeding it raises the target.
• Minimum trading days: none in the Challenge. If you hit the profit target within the rules, you can pass in a single day. The rules page adds, in the same passage, that payouts on funded accounts do have a minimum and refers to its Payout & Profit Split section, which our copy did not include.
• Time limit: the pricing page says the IQ Capital Challenge lasts 30 calendar days.

The pricing table's dollar figures and the rules page's percentages are not tied to a programme in our copies, and the homepage shows both ‘No daily loss limit available’ and daily loss limits of $1,000 * and $1,500 * without saying which programmes they cover. Check with the firm which rules apply to the account you buy.

The FAQ describes a rule violation that immediately disqualifies the account. Under a soft breach, the violating trade is closed but the Funded/Instant account continues. The homepage says traders get two soft breaches before a hard breach.

The FAQ's microscalping rule requires that at least 50% of all trades are held for longer than 15 seconds, and that at least 50% of total profit comes from trades held for longer than 15 seconds. Accounts that do not meet this rule are not eligible for a payout. The rules page says this rule is there to rule out HFT and tick-scalping abuse.

The rules page also says any attempt to manipulate, exploit or abuse the system ends the relationship. Its sections on prohibited practices and trading conditions were not readable in our copy, so we cannot list rules on news trading, weekend holding, EAs or copy trading.

The firm says traders keep up to 90% of profits, and that no other split is applied afterwards. The homepage says payouts are guaranteed within 48 hours, 3 hours on average. Payouts are made in crypto or by bank transfer.

The homepage says there is no minimum payout.

The homepage says traders can trade Bitcoin, Forex, Gold, Indices or Futures. The pricing page groups its platform integrations under Crypto & CFD and Futures headings, and names MetaTrader 5, Volumetrica, Quantower, Tradovate, ATAS and Deepchart. The homepage also refers to the IQC Trader platform.

The pricing page says the IQ Capital Challenge mirrors real-time crypto-exchange data.

The firm makes several claims about itself on its homepage. It says it was founded by trading championship winner Christoph Radecker and is backed by $10M+ in institutional capital by Phemex. It says it has TÜV-certified expertise, verified by a German certification institution. It also says it has paid out more than $3,500,000 and has 20,000+ active traders. We have not verified these claims.

Our copies did not include the firm's terms, operating company details or a list of restricted countries. The FAQ lists questions on refunds and on countries you cannot trade from, but our copy does not include the answers.

IQ Capital may suit traders who want a one-step Challenge with no minimum trading days and no consistency rule during evaluation, and who trade crypto, CFDs or futures. Traders who hold positions for only a few seconds should note the 15-second rule. Funded traders should also plan around the 30% best-day rule and the trailing drawdown, and check the FAQ's monthly account charge.

MyPropGenius Rating: Not yet rated — no Transparency Index score yet

The rating measures how openly IQ Capital discloses its rules, pricing, payouts and ownership (our Transparency Index methodology). It does not measure how likely you are to pass or be paid.