Futures
ForexCrypto
Based on Trustpilot
Every iFunds program, with account size, maximum loss, profit split, leverage and price. iFunds sells Instant (Instant Funding) accounts that fund on purchase, plus an optional 1 Step (iFunds Challenge) evaluation that awards a funded account of the same size.
Checked against iFunds on 29 July 2026
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Instant accounts have no profit target and no evaluation phase. The Challenge asks for 4 consecutive winning trades, taken one at a time, each with a fixed 20 pip take profit and a fixed 20 pip stop loss that cannot be changed. Three attempts are included and one more can be bought, for a maximum of four.
The maximum loss is chosen by the trader at 6%, 7%, 8% or 10% of the initial balance, at no extra cost. It is static, measured from the initial balance for the life of the account, and breached on equity. The help centre gives $10,000 at 10% as a disqualification equity level of $9,000. Terms clause 5.3.1 adds that neither equity nor balance may fall below that level.
There is no daily loss limit on either product, so there is no daily snapshot and no reset time. The terms define a calendar day as a full 24 hour day in United Kingdom time, UTC+0.
There is no time limit and no minimum trading days on either product. The Challenge has no maximum duration either. iFunds does not publish an inactivity rule anywhere.
The instant account funds on purchase with no evaluation, at fees from $250 at $2,500 to $30,000 at $500,000. The Challenge is a cheaper route to the same size account and asks for 4 consecutive winning trades on fixed 20 pip stops and targets. The Challenge is only sold up to $85,000.
The split is selected by the trader and is tied to the maximum loss chosen for the account. Taking a 10% maximum loss pays 50%, 8% pays 60%, 7% pays 70% and 6% pays 80%. A wider loss buffer means a smaller share of profit. There is no fee for choosing a higher split, and the default shown on the pricing table is 50% with 10%. Terms clause 6.2 states a predefined 50% split and makes no reference to the other three.
It is static and calculated on the initial balance, so it does not trail profit. It is breached on equity at any time, regardless of closed profit. Redeeming a bonus code or receiving cashback recalculates it on total money in, so $10,000 plus a $1,000 bonus at 10% gives a $1,100 allowance and a $9,900 disqualification level.
No to both, on the instant accounts and on the Challenge. iFunds states there are no daily drawdown limits, no minimum or maximum trading days, no time limit and no maximum risk per trade.
From day one. There are no payout cycles or waiting periods, and no limit on how many payouts can be requested per day. The minimum is $50 of total profit, which is $25 to the trader at a 50% split. All trades must be closed at the moment the request is made.
Reaching $50 of total profit unlocks it. Profit is put towards the fee for one of the next two larger plans at a discounted rate, with any shortfall paid separately and any excess credited to the iFunds wallet rather than wiped. The ceiling is $500,000. The published ladder lists a $100,000 starting tier that is not sold anywhere else on the site, and gives no route out of the $85,000 tier.
