Head to head
FXIFY vs Instant Funding
Two CFD prop firms compared on price, rules and payouts. Every figure comes from the PropFirmTrading database, with verified discount codes applied.
Data checked by Oliver · Updated 20 October 2026
unrated · 4 yrs · 🇬🇧
- From
- $22.50
- Max funding
- $300K
- Deal
- −10%
- Code
- PFT10
The short version
- Cheapest at 100K
- Instant Funding $233.10 (FXIFY $239.40)
- More drawdown room
- Instant Funding 1.00 per 1 of target
- First challenge
- FXIFY
- Scaling up
- FXIFY
- Swing trader
- Instant Funding
The rulebook that matches the trader’s style should decide.
Side by side at 100K
The cheapest program each firm sells at 100K, the size both firms offer that is closest to $100K.
Rule friction is the PropFirmTrading reading of how many rules can end an account by accident. Low means fewer.
Where FXIFY and Instant Funding differ
Price at 100K
Instant Funding $233.10
FXIFY $239.40
$6 between cheapest and dearest, per attempt
Profit split
FXIFY up to 90%
Instant Funding up to 90%
Same split on these programs
Maximum loss
Instant Funding 7%, Static
FXIFY 5%, Static
Wider buffer, more room for a losing run; static beats trailing
Drawdown per 1 of target
Instant Funding 1.00
FXIFY 0.33
Higher means the target is small next to the room to fail
Daily loss limit
FXIFY 5%
Instant Funding 4%
Ends more accounts than the maximum drawdown does
Total profit target
Instant Funding 7% in 1 phase
FXIFY 15% in 3 phases
Lower total, shorter evaluation
Consistency rule
FXIFY None
Instant Funding 15% best day
Caps how much of the profit may come from one day
Where FXIFY and Instant Funding differ (full text)
Price is the clearest difference at the 100K size. Instant Funding One-Phase Micro costs $233.10 with the code applied, and FXIFY Three Phase costs $239.40. The gap is $6 per attempt, so a trader who needs three attempts pays about $19 more at FXIFY.
Both programs pay up to 90% of profit, so the split does not decide between them.
Instant Funding allows a maximum loss of 7% ($7,000) on this program, against 5% ($5,000) at FXIFY. A wider buffer gives more room for a losing run before the account closes.
Instant Funding asks for 7% of profit in total across its 1 phase, and FXIFY asks for 15% across 3. A lower total target usually means a shorter evaluation.
The daily loss limit is 5% ($5,000) at FXIFY and 4% ($4,000) at Instant Funding. A daily limit ends more accounts than the maximum drawdown does, so it deserves a close read.
FXIFY applies no consistency rule and Instant Funding applies a 15% best day consistency rule. A consistency rule caps how much of the profit may come from one day, which slows down traders with occasional large wins.
The cheapest way to test either firm is FXIFY Instant Lite 2.5K at $11.40 or Instant Funding IF1 2K at $22.50. Small accounts share the rulebook of the larger ones, so they show how a firm behaves at low cost.
FXIFY programs
One row per program, at the size closest to $100K.
Instant Funding programs
One row per program, at the size closest to $100K.
Rules side by side
Firm-wide rules as each firm publishes them. Some rules vary by program, and the firm profiles carry the full text.
Which firm fits which trader
A reading of the data for three common situations. The rulebook that fits the trader's style matters more than any single figure.
A first challenge on a small budget
New to prop firms and paying to learn a rulebook at the lowest cost.
The data favours
FXIFY
- The entry ticket is $11.40 at FXIFY against $22.50 at Instant Funding.
A consistent trader scaling up
Has passed evaluations before and cares about the share of profit kept and the ceiling on funding.
The data favours
FXIFY
- The largest account is $400K at FXIFY, so a consistent trader has further to scale.
A swing trader holding for days
Uses wider stops and needs room for positions to move against the entry before they work.
The data favours
Instant Funding
- At 100K, Instant Funding allows 1.00 of drawdown per 1 of profit target and FXIFY allows 0.33.
- The drawdown is static, so open profit does not raise the floor while a position runs.
Questions traders ask about FXIFY and Instant Funding
What does a 100K challenge cost at FXIFY and Instant Funding?
FXIFY Three Phase 100K costs $239.40 with code PFT15 (list price $399). Instant Funding One-Phase Micro 100K costs $233.10 with code PFT10 (list price $259). Prices are checked daily and may change.
Which pays the higher profit split, FXIFY or Instant Funding?
Both pay up to 90% on the programs compared here. The full split text for each program is on the firm profiles.
Which firm allows more drawdown at 100K?
FXIFY allows 5% ($5,000), Static and Instant Funding allows 7% ($7,000), Static. The daily loss limit is 5% ($5,000) at FXIFY and 4% ($4,000) at Instant Funding.
Do FXIFY and Instant Funding allow news trading?
FXIFY: Allowed without restriction Instant Funding: One-Phase & Two-Phase: no restrictions
Which firm suits a first prop firm challenge, FXIFY or Instant Funding?
On price and drawdown room the data favours FXIFY. The entry ticket is $11.40 at FXIFY against $22.50 at Instant Funding. Both firms are viable, and the rulebook that fits the trader's style matters more than the cheaper ticket.
Related comparisons
Read more on each firm
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