Compare each plan path, how it progresses, and the key funding and payout terms we have confirmed so far.
Variant designed around more flexible overnight and weekend holding conditions.
Fintokei offers ProTrader, ProTrader Swing, StartTrader, and SwiftTrader lines. Provided accounts remain virtual/demo accounts with real market quotes rather than live brokerage accounts.
Not available to residents or citizens of USA, India, Russia, Belarus, North Korea, Iran, Myanmar, Syria, Yemen, Cuba, Venezuela, Sudan, South Sudan, Afghanistan, Somalia, and Iraq. Temporarily restricted: Vietnam, Pakistan, Bangladesh, and China.
Copy trading is allowed only between a trader's own Challenge accounts with combined capital up to $300,000. Copying between funded accounts or across different individuals is prohibited. EAs and bots are allowed on MT4 and MT5 with an added EA fee, but not on cTrader or Match-Trader, and each EA strategy is capped at the same allocation limit.
Bots and EAs are allowed only when the trader created or truly controls the strategy. Outsourced, signal-following, or third-party automated systems are prohibited.
No explicit DCA or martingale policy surfaced in the current official materials reviewed for this firm.
Fintokei's path is program-dependent: ProTrader requires passing two evaluation phases, StartTrader requires passing three phases, and SwiftTrader requires passing one phase before the trader receives a virtually funded account eligible for performance rewards.
Fintokei uses a warning-first approach for some integrity issues, but repeated or serious prohibited practices can lead to account breach, trade closure, blocked access, contract termination, or a permanent platform ban depending on the violation.
Fintokei accepts refunds within 14 days of purchase only if the trader has not yet accessed MyFintokei or placed a trade on the demo account. Once the client zone is accessed or the first trade is placed, the refund is no longer available.
Fintokei says the one-time program fee is the trader's only cost to participate and that there are no other hidden fees or charges.
Performance rewards can be withdrawn through the MyFintokei dashboard to a bank account or crypto wallet after KYC. Rewards on virtually funded ProTrader, ProTrader Swing, and StartTrader accounts are available once at least 14 days have passed from the first trade or last successful payout. Instant Payouts introduced in August 2025 process most approvals automatically within seconds and send funds within 1 business day.
Fintokei supports MetaTrader 4, MetaTrader 5, cTrader, and TradingView-connected workflows. All major challenge types are available on MT4, MT5, and cTrader, while U.S. clients must use cTrader because MetaTrader is not available there.
Fintokei maintains a dedicated article for exceptional trading-hour changes around holidays and special market conditions, and says traders with active accounts also receive advance email notifications before schedule changes.
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