Funded forex account guide

Funded Forex Account: What It Is and How to Get One

A funded forex account lets you trade a large simulated account and earn performance based payouts for a one time evaluation fee instead of a deposit. Here is exactly how it works at Funded With Forex, with every rule and price in plain dollars.

What a funded forex account is

A funded forex account is a simulated trading account provided by an evaluation firm after you pass a skill assessment. You pay a one time fee for the evaluation, trade a simulated account against live market data under fixed risk rules, and once you pass, you trade a funded simulated account where your performance earns real incentive payouts. At Funded With Forex you keep 90% of qualifying simulated performance.

The appeal is scale. A trader risking 1% of a $2,000 personal account is working with $20 a trade. The same discipline on a $150,000 simulated account is $1,500 of simulated risk per trade, and the payout math scales with it. The skill is identical; only the size changes.

It is important to be precise about what it is not. No real money is traded, no broker is involved, and no customer capital is ever deposited or held. The fee buys access to an evaluation. Payouts are performance based incentive payments funded by Funded With Forex operating capital, and they are real money once approved. For the longer background, read what a funded trading account is.

How to get a funded forex account, step by step

Choose a size and a path. Simulated accounts run from $25K to $150K. The one step has a single 10% target. The 2 step splits it into 8% then 5%, with more room on the loss limits.
Pay the evaluation fee. One time, by card at checkout. It buys access to the evaluation. It is not a deposit and you never fund a trading account.
Trade the evaluation on Vera Charts. In your browser, on desktop or mobile, with nothing to download. Reach the 10% target without losing more than 3% of day open equity in a day or falling below the 6% static floor, over at least 2 trading days, with no single day counting for more than 50% of the target.
Claim the funded account. Sign the Funded Trader Agreement and verify your identity once. Your funded simulated account is provisioned within 24 hours of passing.
Trade funded and request payouts. No profit target, a 4% daily loss limit, the same 6% static floor and no consistency rule. After 5 qualifying days of $250 or more you can request a payout and keep 90% of it.

In dollars, on the $50K one step: the target is $5,000. You can lose up to $1,500 on day one before the daily limit locks the account, and the max loss floor sits at $47,000 for the life of the evaluation. No single day counts for more than $2,500 toward the target. The full detail is on the evaluation rules page, and getting started walks through your first session.

The rules, by account size

The same percentages apply at every size; only the dollar amounts scale. The daily loss limit is measured against your equity at the daily reset (5:00 PM New York time), so the figure below is day one, at your starting balance. Every floor is static: it is fixed when the account opens and never trails your profits.

One step evaluation: 10% target, 3% daily loss, 6% static max loss, 2 minimum trading days. Prices with the FWF40 code.
Account	Price	Profit target	Daily loss (day one)	Max loss floor	Best day counts up to
$25K	$30 $50	$2,500	$750	$23,500	$1,250
$50K	$55 $92	$5,000	$1,500	$47,000	$2,500
$100K	$110 $184	$10,000	$3,000	$94,000	$5,000
$150K	$229 $382	$15,000	$4,500	$141,000	$7,500

Funded account: no profit target, 4% daily loss, 6% static max loss, no consistency rule. Payout caps apply per request, before your 90% share.
Account	Daily loss (day one)	Max loss floor	Max payout per request	Reset if breached
$25K	$1,000	$23,500	$1,000	$28
$50K	$2,000	$47,000	$1,500	$50
$100K	$4,000	$94,000	$2,000	$100
$150K	$6,000	$141,000	$2,500	$209

The 2 step is priced from $27 for the $25K. It asks for 8% in Phase 1 and 5% in Phase 2, with a 5% daily loss limit and a 10% static max loss in both phases and at least 5 trading days per phase. Phase 2 is provisioned automatically when Phase 1 passes, with no second payment. Our one step vs two step guide helps you choose.

Leverage is capped at 1:30 on forex, 1:30 on metals, 1:25 on indices and 1:10 on energy, enforced at fill time and scaled with your equity.

Compare every plan

What it costs

The evaluation fee. From $30 for the $25K one step with the FWF40 code (list $50), up to $229 for the $150K. Paid once per evaluation.
No running costs. No monthly subscription, no activation fee for the funded account, and no commission on simulated forex trades. Spreads are fixed.
Bundles. Currently, every third account in a single checkout is free.
A second attempt. If you breach a rule you can restart with a discounted reset, listed per size in the table above.

The fee is only half of what it costs to get funded. The other half is how many attempts the rules make you pay for, which is why drawdown type and the daily loss limit matter more than the sticker price. Our honest cost breakdown works through it.

How payouts work

Eligibility. At least 5 qualifying days, each with $250 or more of net realized profit, and no daily loss breach anywhere in the cycle.
Limits per request. A $125 minimum, up to 50% of that cycle’s profit, and a cap per account size shown in the table above.
Your share. You keep 90% of the approved amount, paid by Wise, ACH, bank wire or USDC.
Timing. Requests are reviewed and approved daily. Identity verification and a tax form are needed once, before the first payout.

A worked example on a $50K funded account: five qualifying days of $400, $350, $600, $300, and $350 make $2,000 of cycle profit. The largest request is 50% of that, $1,000, which sits inside the $1,500 cap. Your 90% share is $900.

After your first completed payout, the max loss floor moves up to your starting balance, so from then on the account has to stay above the balance it started with. The profit you leave in the account is your cushion above that line.

The full policy is on the payouts page, and how prop firm payouts work explains the fine print that applies across the industry.

Who a funded forex account suits, and who it does not

It tends to suit you if:

You have a tested process and the size of your own account is what limits you.
You want a hard, published risk ceiling that never moves against you.
You would rather put a small fixed fee at risk than a large personal deposit.
You can keep risk per trade well under 1% and stop for the day after a few losses.

It is probably not for you if:

You want a salary or guaranteed income. Payouts depend entirely on simulated performance.
Your style needs several percent of risk per trade. A 3% daily loss limit will end that quickly.
You want to run bots, expert advisors or AI placed trades. Automation is prohibited unless we approve it in writing.
You are in a restricted region. Check the restricted countries list first.

How Funded With Forex compares

We are not the cheapest firm in every respect and we do not advertise the highest split. What we compare on is rule shape: a static max loss floor on every product, no consistency rule once you are funded, and every rule published in dollars before you buy. Each comparison below cites the other firm’s figures to their own page, with the date we read it, and lists where they beat us.

Funded forex account FAQ

What is a funded forex account?

A funded forex account is a simulated trading account you unlock by passing an evaluation. You pay a one time fee, trade a simulated account under published risk rules, and once you pass you trade a funded simulated account whose performance can earn real incentive payouts. At Funded With Forex you keep 90% of qualifying simulated performance.

Is a funded forex account real money?

No. Every account is fully simulated and runs against live market data. No customer funds are deposited, traded or held. Traders who qualify receive performance based incentive payments funded by Funded With Forex operating capital, and those payments are real money once approved.

How much does a funded forex account cost?

Evaluations start at $30 for the $25K one step with the FWF40 code (list price $50). The fee is paid once per evaluation. It is not a deposit and there is no monthly subscription.

What are the rules to pass?

On the one step, reach a 10% profit target without losing more than 3% of your day open equity in a single day or letting equity fall below a static floor 6% under your starting balance. You need at least 2 trading days, and no single day can count for more than 50% of the target.

How long does it take to get a funded forex account?

The fastest possible one step pass takes 2 trading days and there is no maximum, so you can trade at your own pace. Once you pass, the funded simulated account is provisioned within 24 hours.

Is the drawdown static or trailing?

Static on every account. The max loss floor is fixed when the account opens and never trails your profits, so you always know the exact balance at which the account fails.

Is there a consistency rule?

On evaluations, yes: no single day can count for more than 50% of the profit target. Going over it does not breach you; the excess just does not count toward passing. Funded accounts have no consistency rule.

How do payouts work on a funded forex account?

After at least 5 qualifying days, each with $250 or more of realized profit and no daily loss breach in the cycle, you can request a payout from your dashboard. Each request can be up to 50% of that cycle’s profit, subject to a $125 minimum and a cap per account size, and you keep 90% of the approved amount. Requests are reviewed daily.

What happens if I break a rule?

Hitting the daily loss limit or the max loss floor locks the account immediately, enforced server side. You can restart with a discounted reset, shown on each plan.

What can I trade on a funded forex account?

Forex majors and minors, metals like XAU/USD, indices like NAS100 and US30, and energy. Leverage is capped at 1:30 on forex, 1:30 on metals, 1:25 on indices and 1:10 on energy, scaled with your equity.

Do I need to verify my identity?

Yes, once. We verify identity and collect a tax form and a payout method before your first payout. Payouts go out by Wise, ACH, bank wire or USDC.

Can I get a funded forex account from any country?

Most countries are supported. Sanctioned and high risk regions, including OFAC sanctioned countries, are blocked under our compliance policy. The full list is on the Restricted Countries page.