Which Fintokei challenge should you choose?

Feeling lost in the prop firm trading jungle?

You start browsing prop firm trading options… then boom – rules, charts, programs, and a flood of terms. Decision paralysis hits hard.

But don’t worry. This guide simplifies everything. We’ll walk you through Fintokei’s three core programs and show you:

• which prop trading challenge is easiest to complete
• where you can earn the highest payouts
• and how you can start earning profits from day one

What does Fintokei offer?

Choose from 3 key programs:

🟣 StartTrader – perfect for beginners
🟣 SwiftTrader – fastest way to get to payouts
🟣 ProTrader – serious challenge, big accounts

Each program tests your trading skills differently. The main differences? Risk, reward, and how fast you can get your hands on the capital.

How do prop trading challenges work?

To get access to virtually funded accounts and start earning payouts, you’ll first need to complete the prop trading challenge – an evaluation phase that checks your risk management and consistency. It’s not a trap—it’s a test of skill.

Most traders fail not because of tough rules, but because they pick the wrong challenge for their level.

What to watch out for:

💥 Loss Limits

Every Fintokei challenge includes strict loss limit rules:

• Max daily loss: 5% (based on balance at 00:00:01 each day)
• Max total loss: 10% (based on starting balance)

📈 Profit Target
This is the % return you need to move to the next phase. It’s not a race. Sustainable growth is the goal. So take your time, pick your trades.

⏳ Time Limit
Minimum 3 trading days per phase to prove consistency. Some programs (like StartTrader) also have a max limit. And others (SwiftTrader) don’t have a time limit at all.

Fintokei programs under the microscope

🟣 StartTrader – your entry ticket to prop trading

StartTrader is the ideal launchpad for anyone new to prop firm trading challenges. It’s a 3-phase program with low profit targets and lots of room to learn.

✅ Account up to €100,000
✅ Performance reward: between 50% and 100%
✅ Up to 180 days to complete the challenge
✅ Consistency Rule: max 40% of the profit target per day in the evaluation phases. Once you’ve completed the challenge and completed phase 3, the consistency rule is turned off.

📈 Dynamic Performance Reward (DPR)

Only in StartTrader. DPR lets you earn up to 100% of your profits depending on your consistency and trading discipline. It’s recalculated with every payout, giving you the chance to hit the 100% reward again and again.

The more consistent you are, the bigger your cut. Simple as that.

🟣 ProTrader – the ultimate prop trading challenge

This is where the pros go. A tough 2-phase prop firm trading challenge designed for experienced traders who know their strategy inside out.

✅ Accounts up to €200,000
✅ 80% performance reward
✅ No max time limit
✅ No consistency rules
✅ Optional scaling up to €4 million (if you maintain your profitability above 10% for a longer period of time)

💸 Highest payouts? You’ll find them here.
Average payout on ProTrader: CZK 98,649

If you’re looking for a serious challenge with serious rewards, this is it.

🟣 SwiftTrader – earn from day one

Want to skip the wait? SwiftTrader lets you trade and profit right away—even during the evaluation phase.

✅ Instant access, no delays
✅ Account sizes from €1,000 to €50,000
✅ 50% performance reward
✅ Withdraw profits as soon as you hit a 10% return

No daily loss limits, no time limits. Just results. Think of it as the express lane in prop firm trading. Perfect for confident, fast-moving traders. Just a slight heads up, maximum loss limit is calculated differently here (see how).

Still not sure? Try our Free Prop Trading Challenge

Don’t wanna commit yet? We get it. Test any of our challenges with the Free Trial – no cost, no pressure. You’ll also unlock access to the MyFintokei zone and training content to boost your skills.

💡 When you’re ready to go all in, you’ll know exactly which path to take.

Quick summary