FXIFY
FULL REVIEW 2026
HOT20Overview
FXIFY is a UK-based prop firm backed by the broker FXPIG, holding roughly 4.3/5 on Trustpilot from 4,000+ reviews with a consistent record of documented payouts. Its signature is flexibility: choose a 1-phase, 2-phase or 3-phase evaluation (more phases = lower cost and smaller per-phase targets), on MT4, MT5 or DXtrade — but note that US residents are on FXIFY's restricted-jurisdictions list and cannot open accounts.
The base profit split is 80%, upgradeable to 90% via a paid add-on (about 20% extra on the challenge fee), and the scaling plan reaches $4 million — the most aggressive headline scaling among the firms we review. FXIFY also promos hard: 30%-off campaigns bundling free add-ons (biweekly payouts, 90% split) have run repeatedly through 2026.
Challenge Types
Prices shown are already discounted — HOT20 on most programmes, NEW30 on Two Phase Pro. Minimum withdrawal $50 across all accounts.
| Field | One Phase | Two Phase Standard | Two Phase Classic | Two Phase Pro | Three Phase | Instant | Lightning |
|---|---|---|---|---|---|---|---|
| Phases | 1 | 2 | 2 | 2 | 3 | 0 — no evaluation | 1 |
| Account type | Assessment → Funded | Phase 1 → Phase 2 → Funded | Phase 1 → Phase 2 → Funded | Phase 1 → Phase 2 → Funded | Phase 1 → 2 → 3 → Funded | Funded from day one | Assessment → Funded |
| Leverage | FX 30:1 · 50:1 with a paid add-on · indices 10:1 · stocks and crypto 2:1 | FX 30:1 · 50:1 with a paid add-on · indices 10:1 · stocks and crypto 2:1 | FX 30:1 · 50:1 with a paid add-on · indices 10:1 · stocks and crypto 2:1 | FX 30:1 · 50:1 with a paid add-on · indices 10:1 · stocks and crypto 2:1 | FX 30:1 · 50:1 with a paid add-on · indices 10:1 · stocks and crypto 2:1 | FX 50:1 | FX 30:1 · 50:1 with a paid add-on |
| US traders | Excluded — US residents cannot open an FXIFY account | Excluded — US residents cannot open an FXIFY account | Excluded — US residents cannot open an FXIFY account | Excluded — US residents cannot open an FXIFY account | Excluded — US residents cannot open an FXIFY account | Excluded — US residents cannot open an FXIFY account | Excluded — US residents cannot open an FXIFY account |
| Overnight & weekend | Allowed overnight and over the weekend | Allowed overnight and over the weekend | Allowed overnight and over the weekend | Allowed overnight and over the weekend | Allowed overnight and over the weekend | Not allowed — positions are flattened at 3:45 PM EST Friday, and any breach that causes is yours | Allowed overnight and over the weekend |
| News (funded) | Trade through news | Trade through news | Trade through news | Trade through news | Trade through news | No trading 5 min before or after high-impact news | No trading 5 min before or after high-impact news |
| Profit target | 10% | 10% then 5% | 5% then 5% | 4% then 8% — the only inverted structure here, easier first phase | 5% per phase — the cheapest route to funded | None | 5% |
| Max loss | 6% trailing — locks at your starting balance once you are 6% up | 10% trailing | 10% static — the floor never moves | 8% static | 5% static — the tightest floor on the board | 8% trailing | 4% trailing |
| Max daily loss | 3% of the previous day’s balance | 4% | 4% | $4,000 daily profit cap — exceed it and the account goes read-only for the rest of the day | 5% | 8% | 3% |
| Best Day / consistency | None | None | 25% on the funded account | None in evaluation | None | — | 30% — the strictest consistency rule here |
| Min trading days | 5 days | 5 days | 4 days | — | 5 days | None | 5 days |
| Trading period | Unlimited · 60 days inactivity breaches the account | Unlimited · 60 days inactivity breaches the account | Unlimited · 60 days inactivity breaches the account | Unlimited · 60 days inactivity breaches the account | Unlimited · 60 days inactivity breaches the account | Unlimited · 60 days inactivity breaches the account | 5-day limit — the only FXIFY plan with a deadline |
| Reward split | Up to 90% | Up to 90% · First Payout On Demand | 80% bi-weekly · 100% monthly | 80 / 20 · withdrawals every 10 days | Up to 90% · First Payout On Demand | Up to 90% · first payout after 14 days | Up to 90% · first payout after 7 days |
| Fee refund | 100% refundable | 100% refundable | 100% refundable | 100% refundable | 100% refundable | — | — |
| Payout caps | — | — | — | First two withdrawals capped at 5% of initial balance or $8,000, whichever comes first | — | Expert Advisors are not permitted on this plan | Mandatory stop loss on every trade · Expert Advisors not permitted |
| Fee · USD · captured 3 Aug 2026 | |||||||
| $5K | $47.20 | — | $47.20 | — | $31.20 | $183.20 | $44 |
| $10K | $71.20 | — | $71.20 | $90.30 | $47.20 | $359.20 | $89 |
| $25K | $159.20 | — | $159.20 | $157.50 | $119.20 | $719.20 | $169 |
| $50K | — | — | $303.20 | $262.50 | $199.20 | $1,399.20 | $289 |
| $100K | $439.20 | — | $439.20 | $419.30 | $319.20 | — | — |
| $200K | $839.20 | — | — | $769.30 | $639.20 | — | — |
| $400K | $2,360 | — | — | — | $1,279.20 | — | — |
Prices move with promotions and currency selection — the checkout figure is the only real one. A dash means the firm does not offer that size on that plan.
Key Information
The firm
The challenge
Money & access
The Rules That Matter
Full MT4, MT5 and DXtrade support. The phase-choice structure is the differentiator: the 3-phase model spreads the requirement across smaller per-phase targets, while the 1-phase model front-loads it.
Check the current rules for news trading, weekend holding, drawdown type and profit target on the exact plan you buy — FXIFY's plan matrix is wide and terms differ per configuration. Never buy the 90% split add-on before confirming the base account fits your plan.
US residents cannot open FXIFY accounts — the United States sits on their restricted-jurisdictions list alongside their standard sanctions exclusions. And treat any price you see quoted anywhere (including here) as a snapshot: FXIFY runs near-permanent promo codes with expiry dates, so the checkout price is the only real one.
Pros & Cons
| What works | |
|---|---|
| ✓ | Choose your evaluation depth — 1, 2 or 3 phases |
| ✓ | MT4, MT5 + DXtrade supported; Lightning 1-step fast-track (5% target) |
| ✓ | Documented payout record; broker-backed (FXPIG) |
| ✓ | Scaling headline to $4M; frequent generous official promos |
| What to watch | |
|---|---|
| ✗ | 90% split costs extra — 80% is the real base |
| ✗ | Wide plan matrix means terms differ per configuration — read your exact plan |
| ✗ | Younger and smaller than FTMO-tier firms |
All 9 Prop Firms Compared
Every prop firm we review, side by side. Ratings are Trustpilot, checked August 2026. Entry fee is the cheapest account on the cheapest plan a firm offers — that is not always its headline product. The $100K column is the tier most traders actually buy.
| Firm | Steps | Entry | $100K | Max loss | Daily | Split | Refund | US | EU | Code |
|---|---|---|---|---|---|---|---|---|---|---|
 FTMOCFD · ★4.8 | 123⚡ | $92.18 | $512.28 | 10% static | 5% / 3% | 80–90% | 2-Step only | Yes | Yes | AUTO 19% |
 FundedNextCFD+FUT · ★4.5 | 123⚡ | $44.99 | $549.99 | 10% / 6% | 5% / 3% | 80–95% | Yes | Restr. | Yes | NEW25 |
 FundingPipsCFD · ★4.5 | 123⚡ | $29 | $422 | 6–12% ▲ | 3–5% | 60–100% | 4th payout | Yes | Yes | HELLO |
 The5ersCFD+FUT · ★4.7 | 123⚡ | $22 ▲ | $491 | 6% / 10% | 3–5% | 75–100% | 70% partial | Fut. only | Yes | — |
 Alpha CapitalCFD · ★4.7 | 123⚡ | $27 | $397 | 6–10% | 3–5% | 80% | None | Yes | Yes | — |
 E8 MarketsCFD · ★4.3 | 123⚡ | $44 | $440 | 6% dynamic | 4% | 80–100% | Pre-trade | Yes | Yes | E8Path |
| FXIFY CFD+FUT · ★4.4 · ● HERE | 123⚡ | $31.20 | $319.20 ▲ | 5–10% | 3–5% | 75–100% | 100% ▲ | No | Yes | HOT20 |
 TopstepFUTURES | 123⚡ | $49/mo | $99/mo | EOD trail | optional | 90–100% | 14-day only | Yes | Yes | — |
 My Funded FuturesFUTURES · ★4.8 | 123⚡ | $53/mo | $134/mo | EOD trail | none ▲ | 80–90% | Untraded only | Yes | Yes | — |
Steps: 1 / 2 / 3 phase · ⚡ instant funding. A lit chip means the route is offered, not that it is better. ▲ marks the best figure in that column among comparable plans. Futures firms bill monthly, so their fees are not compared against one-time CFD fees. Topstep shows no rating because their Trustpilot profile was merged and the two live figures disagree. EU is derived from each firm’s own published restricted-country list — no EU member state appears on any of the nine. Codes are the firm’s own, verified at checkout — we do not list third-party affiliate codes. A dash means no code is published, not that no discount exists.
FXIFY is the flexible pick: pick your phase count, pick your platform, buy during one of its frequent sales, and the effective cost of a funded attempt is among the lowest of any MT5 firm — but US residents are excluded, which removes it from the table for American traders.
The trade-off is a wide, changing plan matrix — the burden is on you to read the exact configuration you buy. Do that, and it earns its place on this list.
WANT FLEXIBILITY AND A SALE PRICE?
Pick your phases and buy during a promo. Confirm the plan's rules first.
