The Best Prop Firms in Germany for 2026, Compared

Why German traders choose FundedFast

Entry from EUR 42 ($49)

The 2-Phase challenge on a $5,000 account costs EUR 42 ($49), and the fee is refunded in full with your first payout. Some providers open cheaper, but the refund means your entry cost comes back once you are paid. For German traders who want to test a serious prop firm at a low entry price, that refund is the number that matters.

80% profit split by default

The standard split is 80% by default, with the 90% add-on sold on $50K+ One-Phase and $100K+ Two-Phase accounts, not on the $49 entry above. In both cases your share is paid out in USD or EUR via SEPA, PayPal or crypto, and you decide when to convert into EUR.

No time limit

Many prop firms force you to pass the challenge within 30 days, which produces rushed trades and bad decisions. The FundedFast challenge has no time limit: you trade at your own pace until you reach the 10% target (1-Phase) or 8% plus 5% (2-Phase).

Every market in one account

Forex, indices (DAX, US500, NAS100) and commodities (gold, oil) run at up to 1:100 leverage (1:50 on the 1-Phase) in the same MatchTrader account; crypto CFDs are available in the same account with their own lower cap of 1:20 in both phases. The drawdown rules apply equally across all asset classes, and you never need to buy separate accounts for different markets.

Support in German

The website, the terms, the account dashboard and customer support are available in German. No language barrier when you open a ticket, work through the rules, or request a payout.

Testimonials from German traders

The full reports from traders funded through FundedFast are in the testimonials section of the website, with videos in several languages and German subtitles. Every report is from a real person, with names, the amounts received and verifiable details.

The official FundedFast community on Discord is also a good place to meet other German traders, ask questions about the challenge, see payout screenshots shared by the community, and talk strategy and trading psychology.

How prop trading profits are taxed in Germany

FundedFast payouts are paid from Malta and must be declared to the German tax office. Two tax classifications are the realistic candidates.

As commercial income (§ 15 EStG)

If you trade regularly and with profit intent, the activity is generally treated as Einkünfte aus Gewerbebetrieb (commercial income). That brings progressive income tax from 14% to 45%, plus 5.5% Solidaritätszuschlag on the income tax. Above an annual trade profit of EUR 24,500, Gewerbesteuer applies on top (usually 7% to 17% depending on your municipality's multiplier), though it is partly credited against your income tax. Registering a business with the Ordnungsamt is a prerequisite.

As capital income (§ 20 EStG)

Occasional traders with small volume may fall under § 20 EStG: 25% Abgeltungsteuer plus Soli, with no Gewerbesteuer. This classification is contested and the tax office examines it case by case; most regular traders do not fall into this category. In practice, tax offices usually classify regular trading as a commercial activity.

Anlage G or SO in the tax return

Depending on the classification, prop trading profits go into Anlage G (commercial income) or Anlage SO (other income) of the income tax return. A monthly record of payouts with the date, the USD amount and the exchange rate on the day of receipt makes the filing considerably easier.

Conversion at the ECB reference rate

USD payouts are converted into euros at the European Central Bank (ECB) foreign exchange reference rate on the day the money arrives. The tax office accepts this rate as the standard. For crypto payouts, the market price at the moment the funds reach your wallet applies.

This is general information, not individual tax advice. Every case is different and tax law changes. Consult a Steuerberater experienced with trading income before making decisions.

Receiving payouts in Germany

SEPA bank transfer

The most convenient option for most German traders. EUR payouts land in your German bank account within 1-2 business days, depending on your bank without an additional conversion step. SEPA is standardised across the EU and instantly identifiable via IBAN.

PayPal

Fast for smaller amounts. PayPal fees are carried by the recipient, so for larger payouts SEPA usually works out cheaper because no percentage fee applies. For regular mid-sized monthly payouts, PayPal is a solid option.

Crypto (USDT or USDC)

The fastest option. Stablecoin payouts, pegged to the US dollar, arrive within hours, usually with no fee beyond the network gas costs (Ethereum, Polygon, Tron or BNB Chain). You convert into EUR locally on the crypto exchange of your choice, when the rate suits you.

Is FundedFast regulated by BaFin?

No. FundedFast is not licensed or supervised by BaFin. We are not an investment firm and we do not take deposits to trade on real markets: the service is an educational, simulated evaluation on a demo account using the firm's virtual capital. Our position is that this involves no financial service within the meaning of the German Securities Trading Act (WpHG), no public offer of financial instruments and no custody of client money, and therefore falls outside BaFin's scope. BaFin has not published guidance specific to prop-firm evaluations, and the classification has not been tested in German courts.

The operator is Memento Enterprises Limited, based in Malta, an EU member state. The capital used in the challenges is FundedFast's own simulated capital, and the payouts you receive are paid by this Maltese company in USD or EUR. In Germany those payments are taxed as foreign income under the usual rules of the income tax act (see the tax section above).

In short: your relationship with FundedFast is that of a trader working in a professional simulator under clear risk rules, with a share of the profits. It is not a securities account and not a bank, and there is no deposit within the meaning of § 1 KWG. Because we are not BaFin-authorised, none of the protections that authorisation provides apply to your purchase.