Challenges from
$38
$5,000 account
Split
80%
Instant Funding is a CFD firm (founded 2022, UK) on MT5 and cTrader, with a 90% split from $38. Its flagship Instant account uses a Smart Drawdown that trails (starts 10%, locks to 5% after you're up 5%); the Micro and IF1 accounts use a static max loss — so pick Micro or IF1 for a fixed line. Code AFF8559 takes 50% off the IF Micro Clarity and One-Phase Clarity accounts. Trust 78, 3.9★. Compare the plans below and confirm the live rules before buying.
Good to know before you buy
- Drawdown — The flagship Instant account trails (Smart Drawdown, starts 10% then locks to 5% after +5%); the Micro and IF1 accounts use a static max loss. Pick Micro/IF1 for static.
- Consistency rule — Best-day caps apply: 40% on One/Two-Phase funded, 15% on the Micro variants. IF1 caps your best single trade at 15% and IF Micro Clarity at 20%.
- News trading only under conditions
- EAs / bots only under conditions
- HFT is not allowed
Founded
2022
Steps
1/2-step, Instant
Profit target
9% / 10%
Profit split
up to 80%
Daily DD
3%
Max DD
8%
Pros
- Clear breakdown of pricing, drawdown and payout rules
- Multiple account sizes available
- Links to the firm’s official site
Cons
- Always confirm current rules on the firm’s official site
- The flagship Instant account trails (Smart Drawdown, 10% locking to 5% after +5%) — pick Micro/IF1 for static
- Lower-rated (trust 78, 3.9★)
- The 50%-off code is limited to specific Clarity accounts
Challenge programs & pricing
1-Step
1 Step- Target P1
- 10%
- Daily DD
- 3%
- Max DD
- 8%
- Drawdown
- unknown
- Profit split
- up to 80%
- Payout
- On demand
- News trading
- unknown
| Account | Price |
|---|---|
| $5,000 | $44 |
| $10,000 | $84 |
| $100,000 | $539 |
PT:DD 1:0.8.
Instant (90% split)
Instant- Daily DD
- 2%
- Max DD
- 4%
- Drawdown
- unknown
- Profit split
- up to 90%
- Payout
- After 24 hours
- News trading
- unknown
| Account | Price |
|---|---|
| $5,000 | $38 |
| $10,000 | $63 |
| $50,000 | $289 |
90% split, tighter 2%/4% drawdown.
Instant (80% split)
Instant- Daily DD
- 4%
- Max DD
- 6%
- Drawdown
- unknown
- Profit split
- up to 80%
- Payout
- Payout on demand
- News trading
- unknown
| Account | Price |
|---|---|
| $10,000 | $79 |
| $25,000 | $169 |
| $100,000 | $589 |
80% split, 4%/6% drawdown.
Key firm rules
- Minimum hold time
- Trades closed within 60 seconds count as high-frequency trading and are not allowed.
- Smart Drawdown
- On Instant Funding and Instant Funding GO the drawdown begins at -10% and tightens to -5% once the account is up 5%.
- News trading
- No news limits during the challenge phase; on funded accounts you can't trade 4 minutes before or after high-impact news.
- Weekend holding
- Allowed in the challenge phase; on funded accounts it needs the weekend add-on.
- Risk per instrument
- Per-trade exposure is capped (e.g. 3% on Instant Funding, 1% on Micro/IF1) and reopening the same position within 10 minutes is restricted.
- Prohibited strategies
- No HFT, martingale, grid trading, one-sided bets, gambling, overleveraging or account churning.
- Inactivity
- Place a trade at least once every 60 days to keep the account active.
Payout & scaling
- Profit split
- Up to 90% on Smart accounts.
- First payout
- On Instant Funding/GO the first withdrawal opens 14 days after your first trade, then on a regular cycle.
- On-demand payouts
- Micro, Clarity and One/Two-Phase funded accounts can withdraw on demand once they qualify.
- Minimum profit
- Varies by program — e.g. 5% on IF Micro, 2% on IF1, 1.5% on One-Phase Clarity.
Company & payments
- CEO
- Lewis Mansbridge
- Headquarters
- United Kingdom
- Founded
- June 2022
- Broker / liquidity
- Liquidity provider
- Tradable assets
- Metals, Indices, Energy, Crypto, Commodities
- Payment methods
- Card, Crypto, Apple Pay, Google Pay, Neteller, Skrill, Sofort
- Payout methods
- Crypto, Riseworks
Restricted countries (28)
Afghanistan, Burundi, Central African Republic, Crimea, Cuba, DR Congo, Eritrea, Guinea, Guinea-Bissau, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar (Burma), North Korea, Papua New Guinea, Republic of the Congo, Russia, Somalia, South Sudan, Sudan, Syria, Vanuatu, Venezuela, Vietnam, Yemen, Zimbabwe.
Instant Funding FAQ
How much does a Instant Funding challenge cost?
The cheapest Instant Funding evaluation we track is $38 for a $5,000 account. Larger account sizes cost more — the full price table on this page lists every size we verified (last checked 2026-06-26).
What profit split does Instant Funding pay?
Up to 80% of profits go to the trader, with payouts first on demand, then every 7 days.
What are Instant Funding's drawdown rules?
Maximum drawdown is 8% and the daily loss limit is 3%.
Does Instant Funding use a trailing or static drawdown?
The flagship Instant account trails (Smart Drawdown, starts 10% then locks to 5% after +5%); the Micro and IF1 accounts use a static max loss. Pick Micro/IF1 for static.
Does Instant Funding have a consistency rule?
Yes. Best-day caps apply: 40% on One/Two-Phase funded, 15% on the Micro variants. IF1 caps your best single trade at 15% and IF Micro Clarity at 20%.
Does Instant Funding allow news trading?
Only under conditions — Instant Funding restricts trading around news events. Check the exact restriction on their site before trading news (last checked 2026-06-26).
Can I use EAs or trading bots at Instant Funding?
Only under conditions — automated trading is restricted at Instant Funding. Confirm your setup is allowed before running it (last checked 2026-06-26).
Is Instant Funding legit?
Instant Funding has operated since 2022, is based in United Kingdom. We track its pricing and rules against official sources (status: partially verified (last checked 2026-06-26)). As with any prop firm: only pay a fee you can afford to lose, and verify the current rules on the firm's own site.
Is there a Instant Funding discount code?
Yes — we keep the current Instant Funding offer and any working code on our Instant Funding discount page, updated with verified pricing. View the Instant Funding offer →
From
$38