Fintokei

Our View: Is Fintokei the Right Choice?

Fintokei reads like a less-restricted version of the standard 2-step evaluation: looser news and weekend rules, instant payouts, unlimited time to pass, and a more flexible automation policy. The catch is concentrated on the funded side. Where most peers punish traders on the evaluation phase, Fintokei punishes them at the payout window – primarily through the 40% consistency rule, which converts a single outsized day into a payout block.

The other structural risk is automation policy. Fintokei is genuinely permissive on self-built EAs, but immediately terminates accounts using third-party signals, commercial EAs the trader did not author, or copy-trade overlays. That line is unusually clear, and unusually expensive to cross.

For news traders, swing traders and discretionary traders who can spread profitability across multiple days, Fintokei is structurally favourable. For tick scalpers, signal followers and concentrated-risk traders, it is structurally hostile.

Prohibited / risky practices

• Latency arbitrage; tick scalping (<10 seconds, dual 10% lot-volume and 10% USD-volume threshold);
• copy trading from third-party signals or third-party account management;
• use of unauthorised third-party EAs;
• HFT (listed on the ProTrader page);
• opposite trading / hedging across multiple accounts or traders; multiple profiles under one identity;
• sharing one device with another Fintokei trader;
• connecting from many countries’ IPs or masking IPs;
• unauthorised third-party payment.

Allowed (worth noting because peers often don’t allow these):
Fintokei explicitly permits:

• News trading on evaluation and funded accounts;
• weekend holding;
• same-account hedging as risk management;
• self-coded EAs and trader-authored EA customisation;
• martingale and aggressive averaging (permitted since July 2025, but explicitly not recommended).

Price: $529 standard (Fintokei displays the same figure in EUR / CZK / JPY when those account
currencies are selected). Recurring ~20% promos bring it to roughly $423.

Q: Does Fintokei have a time limit to pass?
A: No – ProTrader gives unlimited time to pass both phases. You only need to record at least one trade every 30 days to keep the evaluation and funded accounts active.
Q: Can I trade news with Fintokei?
A: Yes – on both evaluation and funded ProTrader / ProTrader Swing / SwiftTrader accounts.
There is no 2-minute pre/post-release window of the kind most peers impose, which is one of
the firm’s structural advantages for macro and news traders.
Q: What is the maximum profit split at Fintokei?
A: 95% on ProTrader and ProTrader Swing via scaling; 100% from day one on SwiftTrader (with a minimum 3% profit per payout floor); StartTrader can scale up to 100%.
Q: Is the fee refunded?
A: Yes on ProTrader – the fee is fully refunded with your first performance reward payout.
SwiftTrader is a different model with a 100% split and no refund mechanic.
Q: Is there a universal consistency rule on funded accounts?
A: No. Fintokei applies Consistency Restrictions case-by-case, at their risk team’s discretion when trading behaviour is judged unsustainable, gambling-style or system-abuse-adjacent. The 40% Consistency Rule (no single day >=40% of cycle profits) is one of many possible restrictions they can apply – alongside things like a tighter open-trade risk cap, a daily profit cap acting as a soft breach, mandatory stops, restricted instant payouts, a Net Positive Payout policy, or Dynamic Performance Reward adjustments. Once applied, the restrictions follow the profile onto every future or scaled account.

Q: Are EAs and copy trading allowed?
A: Self-built EAs and your own customisation of EAs are allowed. Third-party / commercial EAs and copy-trading from external signals are prohibited and lead to immediate account
termination.
Q: What is the minimum trading days requirement?
A: 3 trading days per phase on ProTrader; 5 on SwiftTrader; none on funded accounts (subject to the 30-day activity rule).
Q: What exactly is the tick-scalping rule?
A: As of April 2026 Fintokei defines tick scalping as any trade held under 10 seconds.
Enforcement is dual-threshold: not more than 10% of your total lot volume can come from tickscalping trades AND those trades cannot exceed 10% of your total USD-denominated volume in a day. First breach = warning email; if the next day both thresholds are hit again, the account is breached. The earlier <15s definition / <10s enforcement discrepancy has been removed – both now sit at 10 seconds. Same rule across SwiftTrader, ProTrader, ProTrader Swing and StartTrader.