Which Fintokei challenge should you choose?
Thinking about joining a prop trading challenge but stuck between multiple programs? We’ve got your back. Let’s break it down and help you find the one that fits your style.
Key takeaways:
- StartTrader has the easiest target – just +3% in a single phase.
- SwiftTrader gives you the highest profit share – 90%.
- ProTrader offers the biggest accounts – up to 400,000 USD.
- ProTrader Swing doesn't count open trades toward the daily loss limit.
- StartTrader is a stepping stone: you can withdraw up to 400 USD from it, then move on.
How do you know which challenge is right for you?
Don't pick a challenge based on where the biggest number is. Pick it based on how you trade. Lots of people fail a challenge not because the rules are unfair, but because they chose a program that doesn't match their style.
Ask yourself three questions:
- How much experience do you have? If you're just trying out prop trading, a low profit target and rules that forgive a mistake will help.
- How fast do you want to reach a payout? One phase means a shorter road. Two phases mean more work, but also wider loss limits.
- How long do you hold trades? If you keep positions open overnight or over the weekend, look for a program that doesn't mind a temporary drop.
On top of that, check three numbers for each challenge: how much you can lose in a day (daily loss limit), how much you can lose in total (maximum loss limit) and how much you need to make (profit target). Every challenge also requires at least 3 trading days, so we know you're not just gambling like in a casino.
Who is StartTrader for?
For you, if you're new to prop trading. StartTrader is your first challenge at Fintokei: 34 USD, a 5,000 USD account, and a target of just +3%. You won't find anything smaller with us.
It suits you if:
- you want to see how a challenge and a payout work without risking much money,
- you're still looking for your own strategy and want to try out what works for you without pressure,
- you're worried one bad day could ruin your first challenge. During the challenge, breaking the daily loss limit for the first time doesn't cost you the account – trading just pauses for the rest of the day.
It's not for you if:
- you want to earn long-term. You can withdraw up to 400 USD in total from StartTrader.
- you've already made two purchases at Fintokei. StartTrader can only be one of your first two purchases – after that, it's locked.
Think of it as a warm-up round. Find your style, take your first payout, then move on to SwiftTrader or ProTrader. You'll find the full StartTrader conditions in our comparison of Fintokei programs.
Count to three. And you're ready to go.
The new StartTrader is designed to make your first step into prop trading simple, affordable and stress-free. One phase, two chances and a 3% profit target. The rest is up to you.
Who is SwiftTrader for?
For traders who want to reach a payout as fast as possible and don't need a huge account. SwiftTrader has a single phase with a +6% target and a 90% reward – the highest of all our challenges.
It suits you if:
- you trade with discipline and low risk per trade,
- you'd like to get the challenge done in as little as 3 days,
- your main goal is the highest possible profit share.
It's not for you if:
- you need more room for losses. The daily limit is 2% and the maximum just 3%.
- you like to land one big trade. SwiftTrader has a profit cap: you can make at most 3% of the account size in profit per day.
You have 3 to 60 days to pass, with accounts from 5,000 USD to 200,000 USD.
Want to reach a payout fast?
One phase, a +6% target and 90% of the profit. The highest of all our challenges.
Who is ProTrader for?
For more experienced traders who want the biggest accounts. ProTrader has two phases (+8% and +6%), accounts up to 400,000 USD and an 80% reward. It's the most popular challenge among Fintokei traders.
It suits you if:
- you have a proven strategy and don't want to race the clock. There's no upper time limit.
- you need more room: the daily loss limit is 5%, the maximum 10%.
- you're aiming for big payouts. On ProTrader, they average around 2,767 USD.
It's not for you if:
- you want to get to a payout as soon as possible. Two phases simply take longer.
- you hold trades overnight and big intraday swings keep pushing you past the daily limit. In that case, check out ProTrader Swing.
Aiming for the biggest accounts?
Two phases, accounts up to 400,000 USD and no upper time limit.
Who is ProTrader Swing for?
For traders who hold positions for several days or weeks. Swing has the same targets (+8% and +6%) and loss limits (5% and 10%) as ProTrader. The difference is what the daily limit is calculated from.
With Swing, only the trades you've already closed count toward it. If an open trade drops during the day and the market turns around in the evening, the daily limit won't stop you. Swing is also swap-free, so you don't pay swaps for holding trades overnight.
It suits you if:
- you trade on higher timeframes and need a wider stop loss,
- you keep positions open overnight or over the weekend,
- news and volatile days make you nervous.
It's not for you if:
- you mostly trade within a single day. Classic ProTrader is enough for you.
Heads up: the 10% maximum loss limit applies here too. Swing is no excuse to skip your stop loss. Accounts range from 5,000 USD to 200,000 USD.
Holding trades for days or weeks?
A daily loss limit based only on closed trades, and no swaps for holding positions overnight.
How do Fintokei challenges differ?
Still not sure? Try the Free Trial
Don't want to pay right away? Totally fine. With the Free Trial, you can try our challenges for free and get access to the MyFintokei client zone and our learning materials. Go live once you feel ready.
Frequently asked questions
Do I have to start with StartTrader at Fintokei?
No. You can go straight to SwiftTrader or ProTrader. But StartTrader can only be one of your first two purchases, so don't wait too long.
Which Fintokei challenge is the easiest to pass?
StartTrader. It has a single phase and you only need +3% profit. For 34 USD, you get a 5,000 USD account.
Where can I earn the most at Fintokei?
ProTrader is built for the biggest amounts, with accounts up to 400,000 USD. The highest profit share, though, is on SwiftTrader – 90%.
SwiftTrader or ProTrader?
SwiftTrader if you want a fast payout and trade with low risk. ProTrader if you need more room for losses and a bigger account.
When is it time to move on from StartTrader?
Once you've withdrawn 400 USD from StartTrader, or once you've confirmed your strategy works. Then continue with SwiftTrader or ProTrader.
Who is ProTrader Swing better for than ProTrader?
Traders who hold positions overnight, over the weekend or for several weeks. With Swing, the daily loss limit only counts closed trades.
Can I try Fintokei challenges for free?
Yes, with the Free Trial. You only start paying once you decide to go live.
At Fintokei, I keep the operations and support engine running smoothly: processes, pressure, and people included. When I’m off the clock, I clear my head with a run in fresh air or hunt momentum on gold and US indices. Favorite platform: cTrader. Favorite challenge: ProTrader.
