What Is a Funded Trading Account?
A funded trading account gives you firm-supplied capital after you prove you can trade within a defined risk framework. You keep most of the profit; the firm absorbs all of the loss. This guide walks through how the model works, what passing actually requires, and how the major providers compare on the criteria that matter.
著者： John McLaren
簡単な回答
A funded trading account is capital provided by a proprietary trading firm to a trader who has passed the firm's evaluation challenge. The trader keeps 70-90% of profits and never risks personal capital. The firm covers all losses up to a defined drawdown limit.
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FundedFast Openをご覧くださいこれらの企業の評価方法
Funded accounts come in two phases. First, the evaluation: you pay a one-time fee (typically $30-300) for access to a simulated account where you must hit a profit target without breaching a daily-loss or max-loss rule. Pass, and you graduate to the funded account, where the firm puts real capital behind your trades and pays you a profit share. The fee is usually refunded on your first payout, with notable exceptions below. We compare providers below across five dimensions: entry cost, profit split, drawdown rules, scaling potential, and payout speed.
表示価格ではなく、実質的な総コスト
FundedFast
弊社- Entry fee
- $49
- Profit split
- Up to 90%
- Time limit
- None
- Drawdown (daily / max)
- 5% / 10%
- Fee refunded
- Yes, on 1st payout
- Entry fee
- $32
- Profit split
- 80-100%
- Time limit
- None
- Drawdown (daily / max)
- 5% / 10%
- Fee refunded
- Yes, on 1st payout
- Entry fee
- $91**
- Profit split
- 80-90%
- Time limit
- None
- Drawdown (daily / max)
- 3-5% / 10%
- Fee refunded
- No
- Entry fee
- $32
- Profit split
- 80-95%
- Time limit
- Varies by program
- Drawdown (daily / max)
- 3-5% / 10%
- Fee refunded
- Yes, on 1st payout
- Entry fee
- $32
- Profit split
- 80%, 90% or 100%
- Time limit
- None
- Drawdown (daily / max)
- 2.5% / 8%
- Fee refunded
- Never refunded
FundingPips has the lowest entry fee at $29, ahead of the $32 shared by FundedNext and E8 Funding. FundedFast does not win on profit split: its standard rate is 80%, with 90% sold as a checkout add-on on larger accounts, while E8 Funding's checkout-chosen split reaches 100%. FundedFast, FundingPips, FTMO, and E8 Funding now all run evaluations with no time limit; FundedNext's varies by program. FundedFast, FundingPips, and FundedNext refund the entry fee on your first payout; FTMO's refund applies only to its pricier 2-Step tier, not the $91 entry priced above, and E8 Funding's fees are never refunded under any circumstance, per its own terms. Drawdown varies by firm rather than having a single best answer. No firm on this list wins every column.
Entry fee is the lowest advertised price for each firm's smallest account. Figures come from each firm's published terms as recorded in our competitor data, last verified between April and August 2026. Terms change often, so check the firm's current page before paying. **FTMO prices in euro, not dollars. We show the US-dollar equivalent so every firm in this table can be compared in one currency: EUR 79 converted at the ECB reference rate of 1 EUR = 1.154 USD on 11 August 2026. The amount FTMO actually charges is EUR 79.
所有権の開示: FundedFastは本ウェブサイトを運営しており、以下の比較表にはFundedFastの案件が掲載されています。当社を含むすべての企業は、同一の公開された基準に基づいて評価されており、各競合他社のサイトへのリンクも掲載していますので、皆様ご自身で数値をご確認いただけます。当社のランキング作成方法および収益モデルについては、編集方針に記載されています。 このページでは、当社を含むいかなる企業にも単一の総合スコアを付けていません。各社にはその代わりに、範囲を限定した検証可能なカテゴリー別の評価を示しており、その多くは競合他社に与えられています。あわせて、正直な長所と短所も記載しています。 編集方針をご覧ください
トップ5社を比較：カテゴリー別の勝者
FundedFast
弊社Lowest entry plus a free competition routeに最適$49 entry, an 80% split with a 90% add-on sold at checkout on larger accounts, no time limit, and a free competition route via the FundedFast Open.
メリット- $49 entry undercuts every firm here except FundingPips at $29 and the $32 tier shared by FundedNext and E8 Funding
- Up to 90% profit split available as a paid checkout upgrade on accounts from $50K (One-Phase) or $100K (Two-Phase)
- Only firm on this list with a genuinely free recurring entry route, the FundedFast Open
デメリット- Younger firm than FTMO (founded 2015), with a shorter public review history
- $400,000 maximum funding is the lowest ceiling among the firms compared here
最低 $49利益配分 Up to 90%制限時間 なしFundingPips
Cheapest tied entry, no time limitに最適Slightly cheaper entry at $32 for $5K but caps base accounts at $100K, limiting long-term scaling without its separate PRIME track.
メリット- Lowest entry fee on this list at $29
- No time limit on the evaluation
- Payouts on demand, daily to monthly on your own schedule
デメリット- $400K base allocation before its PRIME track scales further, versus FTMO's and FundedNext's flat multi-million ceilings
- 100% profit split is a scaled-tier reward, not a day-one number
最低 $29利益配分 80-100%制限時間 なしFTMO
Track record and trustに最適Industry veteran with the longest operating history and highest Trustpilot rating here, though entry starts at EUR 79 (about $91) against $32-$49 elsewhere.
メリット- Longest documented operating history of any firm here, since 2015
- Highest Trustpilot rating among the firms compared here
- No time limit on either evaluation phase since 2023
デメリット- Most expensive entry on this list: from EUR 79 (about $91), versus $32-$49 elsewhere
- Default profit split starts at 80%; 90% requires its Scaling Plan or Premium Programme
- The EUR 79 entry priced above carries no fee refund; only FTMO's pricier 2-Step tier refunds on your first payout
最低 $91 (EUR 79)利益配分 80-90%制限時間 なしFundedNext
Highest funding ceiling plus fastest payoutsに最適Aggressive scaling to $4M and a 24-hour payout guarantee, offset by Comoros incorporation (no regulatory framework) and a time limit that varies by program.
メリット- $4,000,000 maximum funding, the highest ceiling among the firms compared here
- 24-hour guaranteed payout turnaround, faster than most firms here
- Also runs a free monthly trading competition
デメリット- Incorporated in Comoros, outside any established regulatory framework
- Time limit varies by program rather than a single fixed answer
最低 $32利益配分 80-95%制限時間 プログラムにより異なるE8 Funding
Split chosen at checkoutに最適Split chosen at checkout (80%, 90%, or 100%) and no fixed time limit, but its entry fee is never refunded, even on a pass, unlike FundedFast, FundingPips, and FundedNext.
メリット- Second-lowest entry fee on this list at $32
- Choose your profit split (80%, 90%, or 100%) at purchase, fixed for the life of the account
- No time limit on its evaluation
デメリット- Entry fee is never refunded under any circumstance, per its own terms, unlike FundedFast, FundingPips, and FundedNext
- Tighter daily drawdown (2.5%) than most peers' 5%
最低 $32利益配分 80%, 90% or 100%制限時間 なし
FundedFastの対応方法
FundedFast funds traders up to $400K in simulated capital after a one or two phase evaluation starting at $49. The catalog runs from $5K to $400K across seven account sizes, with an 80% profit split by default and 90% sold as a checkout add-on on accounts from $50K (One-Phase) or $100K (Two-Phase). Drawdown rules are the industry-standard 5% daily and 10% maximum. There is no time limit on either evaluation phase, which removes the single biggest reason traders fail at competing firms. Funded traders request weekly payouts via PayPal, bank transfer, or crypto with a $50 minimum, typically processed within 24-48 hours. Where FundedFast falls short: the company is younger than FTMO, the public Trustpilot review count is still under 20 as of April 2026, and account sizes cap at $400K rather than the $2M-$4M offered by FundedNext for traders building toward institutional capital. The free FundedFast Open competition every two weeks gives prospective traders a zero-cost way to test the platform before paying for an evaluation.
Funded futures account vs funded forex account: which one are you looking for?
A funded trading account can mean two different products with very different mechanics, and it pays to be explicit about which one fits your strategy. Funded futures accounts (Apex Trader Funding, Topstep, Tradeify, MyFundedFutures, FundedFuturesNetwork) trade CME-listed futures contracts like ES, NQ, CL, and GC. Pricing is often subscription-style at $50-200 per month, evaluations frequently include a trailing daily-loss rule, and payouts run weekly or monthly. These firms cater specifically to US day traders who already use platforms like NinjaTrader or Tradovate. Funded forex and multi-asset accounts (FundedFast, FTMO, FundingPips, FundedNext, E8 Funding) trade CFDs on forex pairs, indices, crypto, stocks, and metals through MT4, MT5, or MatchTrader. Pricing is a one-time evaluation fee of $30-300 refunded on the first payout, and the model is friendlier for traders outside the US who can't easily access CME contracts. FundedFast sits firmly in the second category. Our $49 challenge covers forex, crypto, stocks, indices, metals, and oil in a single account, but not CME futures. If your strategy depends on trading ES, NQ, MES, MNQ, or CL specifically, you're looking for a funded futures firm — Topstep or Tradeify is the better starting point, not us. If you're a forex, indices, or crypto trader, or you want all of them under one set of rules, the rankings below show how FundedFast and the other major multi-asset prop firms compare on entry cost, drawdown rules, and payout speed.
これが適していない場合
A funded account is not a fit if you have not yet developed a tested, repeatable trading edge. The rules of any prop firm are designed to surface inconsistent traders quickly. It is also not a substitute for a real brokerage account if your goal is to trade your own capital long-term; profits are paid out as commission, not capital that compounds in a personal account. Finally, traders in restricted jurisdictions (40 countries listed in the FundedFast terms) cannot participate.
よくある質問
How does a funded trading account work?
You pay a one-time evaluation fee, then trade a simulated account to a profit target without breaching daily-loss or max-loss rules. Pass, and the firm assigns you a funded account where you trade firm capital and keep 70-90% of profits. The firm absorbs all losses.
Are funded trading accounts worth it?
For traders with a tested edge and disciplined risk management, yes — a funded account lets you scale faster than self-funding because the firm absorbs losses and you only risk the evaluation fee. The model is not worth it if you don't yet have a consistently profitable strategy in your own demo account, because evaluation rules are specifically designed to surface inconsistent traders quickly. Treat the fee as a one-time test of your edge against a fixed risk framework, not as a path to learning to trade.
Are funded trading accounts legit?
Established firms with multi-year track records (FundedFast, FTMO, FundingPips, FundedNext, Topstep, Apex) are legitimate businesses with documented payout histories on Trustpilot and trader forums. The business model — sell challenges, fund the small percentage of traders who pass, profit from evaluation fees on the rest — is publicly disclosed and legal in most jurisdictions. The risk is firm-specific: less-established firms have shut down with traders' fees and pending payouts trapped (MyFundedFX did this in February 2026). Stick with firms that have at least two years of operating history and verifiable payout proof.
How much can you make with a funded trading account?
Earnings depend on account size, profit split, and how consistently you trade. A trader running a $100K account with a 90% split who makes 5% in a month earns $4,500 before taxes. Most funded traders earn under $2,000 per payout in their first year because they trade conservatively to protect the account. Top performers scale to $400K-$4M accounts and earn five figures monthly. The firm caps the total funded capital per trader, so unlimited earnings are not the model — sustainable monthly income on a $100K-$400K account is.
How much does a funded trading account cost?
Entry fees range from about $29 (FundingPips' cheapest $5K route) to $300+ for $200K accounts. FundedFast starts at $49 for a $5K account and scales to $2,999 for $400K. The fee is usually refunded on your first payout.
What's the difference between a funded account and a prop firm?
A prop firm is the company; a funded account is the product. Traditional proprietary trading firms (Jane Street, Optiver, SIG) hire salaried traders to trade firm capital with no evaluation fee. Modern retail prop firms (FundedFast, FTMO, Apex, Topstep) sell evaluation challenges and fund the traders who pass — no salary, profit-share only. When people say 'funded account' today they almost always mean the retail evaluation model, not the traditional one.
Can you fail a funded account?
Yes. Breaching the daily-loss or maximum-drawdown rule terminates the account immediately — the firm does not refund the evaluation fee or pay out unrealized profits. You can also fail by being inconsistent (some firms cap how much of the profit target can come from a single trade), by exceeding lot-size limits, or by violating prohibited-strategy rules like grid trading or news-event scalping. Always read the specific rules before you start trading — most account terminations are rule violations, not market losses.
Is a funded trading account real money?
The capital is real. The firm pays you actual cash for your share of trading profits. The execution environment is typically a simulated mirror of live broker pricing rather than direct market access, since the firm absorbs your losses without exposing other traders.
What happens if I lose money on a funded account?
Up to the maximum drawdown (typically 10%), you simply continue trading. If you breach the drawdown rule, the account is terminated. You do not owe the firm anything. Only your initial evaluation fee is at risk.
How long does it take to get a funded account?
It depends on the evaluation rules. Two-phase challenges typically take 5-30 trading days per phase. Most major firms, including FundedFast, FundingPips, and FTMO, now run their evaluations with no time limit, so you can take as long as you need. A few smaller programs still impose a deadline, so check each firm's current terms before you start.