Compare 15 current products across 10 first-party source pages — funded cost, split, drawdown and payout rules without flattening one product into a firm-wide answer.
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Built from product captures checked Oct 20, 2026
Pick FXIFY if…
Pick The5ers if…
| Fact | FXIFY | The5ers |
|---|---|---|
| Our score | 8.1/10 | 8/10 |
| Lowest $100K fee | $399 (Three Phase) | $300 (Bootcamp, incl. $205 activation) |
| Base split | 80% | 75–80% |
| Max loss | 4–10% | 5–10% |
| Earliest first payout | Day 7 (Lightning Challenge) | Day 14 (High Stakes (New)) |
| Platforms | MT4 · MT5 · DXTrade · TradingView | MT5 · cTrader · TradingView |
Available product sources · earliest check Oct 20, 2026
We track 10 FXIFY products and 5 from The5ers that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-20. FXIFY is cheaper to funded at 3 of the 5 directly comparable tiers; 1 tier is tied. At $5K, the cheapest verified route is High Stakes (New) at $35 (One-time fee), which needs $44 of profit at a 80% split before the fee is back in your pocket.
Compare the 15 source-checked products available here, each with its own fees, split, drawdown and date.
We track 10 FXIFY products and 5 from The5ers that pass the 30-day source-freshness gate; source checks range from 2026-10-20 to 2026-10-20.
FXIFY is cheaper to funded at 3 of the 5 directly comparable tiers; 1 tier is tied. At $5K, the cheapest verified route is High Stakes (New) at $35 (One-time fee), which needs $44 of profit at a 80% split before the fee is back in your pocket.
FXIFY's own products disagree on 16 terms. On evaluation steps it is 1-step on One Phase and Lightning Challenge and Crypto Standard (1 Step), versus 2-step on Two Phase Classic and Two Phase Standard and Two Phase Pro, versus instant funding on Instant Funding Standard and Instant Funding Lite and Crypto Instant Funding, versus 3-step on Three Phase. Which product you buy decides that rule, not which firm you sign with — a firm-level table cannot show this.
The5ers is cheaper within the shared USD one-time class: High Stakes (New) at $35 — $4 less than FXIFY's cheapest route at this tier (Three Phase, $39) — 10% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| High Stakes (New)The5ers · One-time · 80% split | $35One-time fee | $44at 80% split | 0.09vs 10% max DD | 1 |
| Three PhaseFXIFY · One-time · 80% split | $39One-time fee | $49at 80% split | 0.20vs 5% max DD | 1 |
| High Stakes (Classic)The5ers · One-time · 80% split | $39One-time fee | $49at 80% split | 0.10vs 10% max DD | 1 |
| Pro GrowthThe5ers · One-time · 75% split | $52One-time fee | $69at 75% split | 0.23vs 6% max DD | 2 |
| One PhaseFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.25vs 6% trailing max DD | 2 |
| Two Phase ClassicFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.15vs 10% max DD | 2 |
| Two Phase StandardFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.15vs 10% trailing max DD | 2 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.25vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $125One-time fee | $156at 80% split | 0.52vs 6% trailing max DD | 4 |
| Hyper GrowthThe5ers · One-time · 75% split | $260One-time fee | $347at 75% split | 1.16vs 6% max DD | 7 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $59 — $10 less than The5ers' cheapest route at this tier (High Stakes (New), $69) — 14% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $59One-time fee | $74at 80% split | 0.15vs 5% max DD | 1 |
| High Stakes (New)The5ers · One-time · 80% split | $69One-time fee | $86at 80% split | 0.09vs 10% max DD | 1 |
| High Stakes (Classic)The5ers · One-time · 80% split | $78One-time fee | $98at 80% split | 0.10vs 10% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.19vs 6% trailing max DD | 2 |
| Two Phase ClassicFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.11vs 10% max DD | 2 |
| Two Phase StandardFXIFY · One-time · 80% split | $89One-time fee | $111at 80% split | 0.11vs 10% trailing max DD | 2 |
| Pro GrowthThe5ers · One-time · 75% split | $98One-time fee | $131at 75% split | 0.22vs 6% max DD | 2 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $99One-time fee | $124at 80% split | 0.21vs 6% trailing max DD | 2 |
| Two Phase ProFXIFY · One-time · 80% split | $129One-time fee | $161at 80% split | 0.20vs 8% max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $250One-time fee | $313at 80% split | 0.52vs 6% trailing max DD | 4 |
| Hyper GrowthThe5ers · One-time · 75% split | $450One-time fee | $600at 75% split | 1.00vs 6% max DD | 6 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $149 — $27 less than The5ers' cheapest route at this tier (High Stakes (New), $176) — 15% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $149One-time fee | $186at 80% split | 0.15vs 5% max DD | 1 |
| High Stakes (New)The5ers · One-time · 80% split | $176One-time fee | $220at 80% split | 0.09vs 10% max DD | 1 |
| High Stakes (Classic)The5ers · One-time · 80% split | $195One-time fee | $244at 80% split | 0.10vs 10% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.17vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $199One-time fee | $249at 80% split | 0.10vs 10% trailing max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $225One-time fee | $281at 80% split | 0.14vs 8% max DD | 2 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $249One-time fee | $311at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $525One-time fee | $656at 80% split | 0.44vs 6% trailing max DD | 3 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
Both firms' cheapest USD one-time route costs $249 at this tier — a tie.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $249One-time fee | $311at 80% split | 0.12vs 5% max DD | 1 |
| High Stakes (New)The5ers · One-time · 80% split | $249One-time fee | $311at 80% split | 0.08vs $4,000 tier max loss | 1 |
| High Stakes (Classic)The5ers · One-time · 80% split | $279One-time fee | $349at 80% split | 0.09vs $4,000 tier max loss | 1 |
| Pro GrowthThe5ers · One-time · 75% split | $329One-time fee | $439at 75% split | 0.15vs 6% max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $375One-time fee | $469at 80% split | 0.12vs 8% max DD | 1 |
| One PhaseFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.16vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $379One-time fee | $474at 80% split | 0.09vs 10% trailing max DD | 1 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $499One-time fee | $624at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $999One-time fee | $1,249at 80% split | 0.42vs 6% trailing max DD | 3 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
FXIFY is cheaper within the shared USD one-time class: Three Phase at $399 — $6 less than The5ers' cheapest route at this tier (High Stakes (New), $405) — 1% cheaper.
| Product | Cost to funded | Break-even profit | R-multiple | Days @ 1%/day |
|---|---|---|---|---|
| Three PhaseFXIFY · One-time · 80% split | $399One-time fee | $499at 80% split | 0.10vs 5% max DD | 1 |
| High Stakes (New)The5ers · One-time · 80% split | $405One-time fee | $506at 80% split | 0.06vs $8,000 tier max loss | 1 |
| High Stakes (Classic)The5ers · One-time · 80% split | $455One-time fee | $569at 80% split | 0.07vs $8,000 tier max loss | 1 |
| One PhaseFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.11vs 6% trailing max DD | 1 |
| Two Phase ClassicFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% max DD | 1 |
| Two Phase StandardFXIFY · One-time · 80% split | $549One-time fee | $686at 80% split | 0.07vs 10% trailing max DD | 1 |
| Two Phase ProFXIFY · One-time · 80% split | $599One-time fee | $749at 80% split | 0.09vs 8% max DD | 1 |
| Crypto Standard (1 Step)FXIFY · One-time · 80% split | $999One-time fee | $1,249at 80% split | 0.21vs 6% trailing max DD | 2 |
| Crypto Instant FundingFXIFY · One-time · 80% split | $1,999One-time fee | $2,499at 80% split | 0.42vs 6% trailing max DD | 3 |
R-multiple is break-even profit divided by that product's own maximum permitted loss — under 1.00 means you can lose more than you need to make to win the fee back. Day count assumes 1% account growth per day, capped by the product's own daily loss limit. Blank cells are figures the firm does not publish.
Each cell shows every value that firm's current products hold. Where a firm disagrees with itself the products are named — those are the rows a firm-level table has to flatten, and the ones that decide whether your strategy is allowed. 16 of 16 rows split this way in this matchup.
| Term | FXIFY | The5ers |
|---|---|---|
| Evaluation steps | 1-stepOne Phase, Lightning Challenge, Crypto Standard (1 Step) 2-stepTwo Phase Classic, Two Phase Standard, Two Phase Pro Instant fundingInstant Funding Standard, Instant Funding Lite, Crypto Instant Funding 3-stepThree Phase | 1-stepPro Growth, Hyper Growth 2-stepHigh Stakes (New), High Stakes (Classic) 3-stepBootcamp |
| Profit split | 80%One Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Crypto Standard (1 Step), Crypto Instant Funding Not publishedInstant Funding Standard, Instant Funding Lite, Lightning Challenge | 75%Pro Growth, Hyper Growth 80%High Stakes (New), High Stakes (Classic) Not publishedBootcamp |
| Drawdown method | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding StaticTwo Phase Classic, Two Phase Pro, Three Phase | Static |
| Daily loss cap | 3%One Phase, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding 4%Two Phase Classic, Two Phase Standard, Two Phase Pro 5%Three Phase 8%Instant Funding Standard | 3%Pro Growth, Hyper Growth 5%High Stakes (New), High Stakes (Classic) Not publishedBootcamp |
| Max loss cap | 6%One Phase, Crypto Standard (1 Step), Crypto Instant Funding 10%Two Phase Classic, Two Phase Standard 4%Instant Funding Lite, Lightning Challenge 8%Two Phase Pro, Instant Funding Standard 5%Three Phase | 10%High Stakes (New), High Stakes (Classic) 6%Pro Growth, Hyper Growth 5%Bootcamp |
| Funded drawdown | TrailingOne Phase, Two Phase Standard, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding StaticTwo Phase Classic, Two Phase Pro, Three Phase | Static |
| Min trading days | 5One Phase, Three Phase, Instant Funding Lite UnverifiedTwo Phase Classic, Two Phase Standard, Instant Funding Standard 3Two Phase Pro, Lightning Challenge 4Crypto Standard (1 Step) 7Crypto Instant Funding | 3High Stakes (New), High Stakes (Classic), Pro Growth 0Hyper Growth UnverifiedBootcamp |
| Max trading days | UnverifiedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Instant Funding Lite, Crypto Standard (1 Step), Crypto Instant Funding 5Lightning Challenge | Unlimited |
| Consistency rule | UnverifiedOne Phase, Two Phase Standard, Two Phase Pro, Three Phase, Instant Funding Standard, Crypto Standard (1 Step) 25%Two Phase Classic, Crypto Instant Funding 20%Instant Funding Lite 30%Lightning Challenge | Unverified |
| First payout after | Not publishedOne Phase, Two Phase Classic, Two Phase Standard, Three Phase, Crypto Standard (1 Step), Crypto Instant Funding 10 calendar daysTwo Phase Pro, Instant Funding Lite 14 daysInstant Funding Standard 7 daysLightning Challenge | 14 days |
| Payout frequency | Bi-weeklyInstant Funding Standard, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding MonthlyOne Phase, Two Phase Classic, Two Phase Standard, Three Phase Not publishedTwo Phase Pro, Instant Funding Lite | Bi-weekly |
| News trading | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase ConditionalInstant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding | Conditional |
| Weekend holding | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding Not allowedInstant Funding Standard, Instant Funding Lite | Allowed |
| Overnight holding | AllowedOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase, Lightning Challenge Not publishedInstant Funding Standard, Instant Funding Lite, Crypto Standard (1 Step), Crypto Instant Funding | Allowed |
| EAs / algos | ConditionalOne Phase, Two Phase Classic, Two Phase Standard, Two Phase Pro, Three Phase Not allowedInstant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding | Conditional |
| Copy trading | Not allowedTwo Phase Pro, Instant Funding Standard, Instant Funding Lite, Lightning Challenge, Crypto Standard (1 Step), Crypto Instant Funding ConditionalOne Phase, Two Phase Classic, Two Phase Standard, Three Phase | Not allowed |
FXIFY checkout ladders verified; program-page cards still need a presentation fix
The structured comparison uses list-price ladders that matched FXIFY's first-party price data again on 2026-10-20: 54 tiers across these 8 FXIFY products, including five Instant Funding Lite tiers at $19/$44/$89/$169/$289. Coupons, add-ons, country eligibility, and the final checkout total are not included in list prices; re-check the routed checkout before paying.
Every figure above is read from these pages. Products older than 30 days are removed from the comparison until they are recaptured, so a missing product means stale data, not a discontinued plan.
These directory fields describe the firms, not a universal product rule. The sourced product tables above decide the exact fee, split, drawdown and trading conditions. Directory context is not independently refreshed by this comparison; verify platform and payment availability for the exact programme and country.
Scored out of 5 by Trustpilot users, not by us. Where Trustpilot has pulled a firm's aggregate rating we say so rather than leaving a blank.
These links are selected by asset and platform overlap, then limited to matchups where both sides have current first-party product evidence.
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Open comparisonBrowse pairs with current product sources, or open the full firm directory. Missing comparison evidence does not mean a firm has closed.
