Instant Funding Review | ThePropFirmGuide

Instant Funding

Item: Instant Funding
Rating: 3.5
Author: ThePropFirmGuide

3.5 TrustPilot 95% Profit Split From $16.75 Payouts Every Day

GET FUNDED

Headquarters

United Kingdom • Founded Jun 2022

Profit Split

60% • 80% • 90% • 95%
Depending on plan & payout timing

Payouts

After 24hrs • On-Demand • 14 days then 7 days
Depending on program

Instruments

Forex • Metals • Indices • Energy • Crypto
Leverage: Up to 1:100

Evaluation

No time limit
60 day inactivity rule

Trading Platforms

cTrader

Match Trader

MT5

Payout Methods

Crypto

Riseworks

About Instant Funding

Founded in June 2022 and based in the United Kingdom, Instant Funding is a proprietary trading firm offering traders access to capital up to $300,000 with profit splits up to 90%. The firm provides 8 distinct program types with varying challenge structures and payout schedules, catering to various trading styles and experience levels. A standout feature is the smart drawdown system where the initial 10% drawdown locks at 5% once traders hit their first 5% profit target. Instant Funding supports cTrader, Match Trader, and MT5 platforms with leverage up to 1:100 on forex pairs.

Challenge Programs

Instant Funding (Standard)

No evaluation required — trade immediately with smart drawdown system

Profit Split: 80% (First 14 days, then 7 days)

Leverage: 1:100 Forex | Daily Loss: None | Max Drawdown: 10% (locks at 5% after hitting 5% profit)

Instant Funding GO

No evaluation required — extended funding with larger account sizes (up to $80K)

Profit Split: 80% (First 14 days, then 7 days)

Leverage: 1:100 Forex | Account Sizes: $1.25K-$80K | Daily Loss: None

IF Micro

No evaluation required — micro accounts with flexible sizing and on-demand payouts

Profit Split: 80% Payout-On-Demand

Leverage: 1:100 Forex | Account Sizes: $5K-$300K | Daily Loss: 4% | 40% best day rule

Instant Funding (IF1)

No evaluation required — fast 24hr payout option with highest profit split (90%)

Profit Split: 90% After 24hrs

Leverage: 1:100 Forex | Daily Loss: 2% | Max Drawdown: 4% | 15% best day rule | Min 3% profit

One-Phase

Single profit target evaluation with on-demand payouts at 80% split

Profit Split: 80% On Demand

Leverage: 1:100 Forex | Account Sizes: $5K-$200K | Daily Loss: 3-8% | Max Drawdown: 7-8%

One-Phase Micro

Single profit target with lower capital requirements and on-demand payouts

Profit Split: 80% On Demand

Leverage: 1:100 Forex | Account Sizes: $10K-$200K | Daily Loss: 4% | Max Drawdown: 7%

Two-Phase

Two-phase evaluation with on-demand payouts at fixed 80% split

Profit Split: 80% On Demand

Leverage: 1:100 Forex | Account Sizes: $5K-$200K | Daily Loss: 4-5% | Max Drawdown: 10%

Two-Phase Max

Two-phase evaluation with tiered payout schedule (60%-95%) based on holding period

Profit Split: 60-95% Tiered

Leverage: 1:100 Forex | Account Sizes: $5K-$200K | Daily Loss: 4-5% | Max Drawdown: 10%

Key Features

• Smart Drawdown: Instant Funding accounts start with 10% drawdown, locks at 5% after hitting 5% profit

• Fast Payouts: IF1 accounts offer 24hr payouts after meeting conditions

• Copy Trading: Allowed between your own accounts or with external accounts

• EAs Allowed: Risk management and trade management EAs permitted

• Martingale Allowed: Martingale strategy is permitted

• 60 Day Inactivity Rule: Maximum inactivity period before account breach

• No VPS/VPN: Trading via VPS or VPN is not permitted

• Minimum Withdrawal: $25 minimum payout

Leverage

Asset	Instant	One-Phase	Two-Phase
Forex	1:100	1:100	1:100
Metals	1:20	1:20	1:20
Indices	1:20	1:20	1:20
Energy	1:20	1:20	1:20
Crypto	1:2	1:2	1:2

Commissions

Asset	Commission
Forex	Commission-free $0/lot \| $5/lot RAW spreads
Metals	Commission-free $0/lot \| $2/lot RAW spreads
Indices	Commission-free $0/lot \| $2/lot RAW spreads
Energy	Commission-free $0/lot \| $2/lot RAW spreads
Crypto	Commission-free $0/lot \| $1/lot RAW spreads

Restricted Countries

Afghanistan • Burundi • Central African Republic • Crimea • Cuba • DR Congo • Eritrea • Guinea • Guinea-Bissau • Iran • Iraq • Lebanon • Liberia • Libya • Myanmar • North Korea • Papua New Guinea • Republic of Congo • Russia • Somalia • South Sudan • Sudan • Syria • Vanuatu • Venezuela • Vietnam • Yemen • Zimbabwe

Size	Program	Target	Daily Loss	Max Loss	Profit Split	Payout	Loyalty	Price

Instant Funding 625 Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $39.60 (regular $44.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 1.25K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $71.10 (regular $79.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 2K Instant (IF1) account: profit target None, daily loss limit 2%, max drawdown 4%, 90% profit split (After 24hrs 90%), After 24hrs, price $22.50 (regular $25.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 2.5K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $108.00 (regular $120.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 5K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $202.50 (regular $225.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 5K Instant (IF1) account: profit target None, daily loss limit 2%, max drawdown 4%, 90% profit split (After 24hrs 90%), After 24hrs, price $34.20 (regular $38.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 5K Instant account: profit target None, daily loss limit 4%, max drawdown 6%, 80% profit split (Payout-On-Demand 80%), Payout-On-Demand, price $37.80 (regular $42.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 5K 1 Step account: profit target 10%, daily loss limit 3%, max drawdown 8%, 80% profit split (On Demand 80%), On Demand, price $44.10 (regular $49.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 5K 2 Steps account: profit target 8% - 4%, daily loss limit 4%, max drawdown 10%, 60% profit split (5-13 days 60% / 14-27 days 80% / 28+ days 95%), 5-13 days 60% / 14-27 days 80% / 28+ days 95%, price $31.50 (regular $35.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 5K 2 Steps account: profit target 8% - 5%, daily loss limit 5%, max drawdown 10%, 80% profit split (On Demand 80%), On Demand, price $30.60 (regular $34.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 10K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $396.00 (regular $440.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 10K Instant (IF1) account: profit target None, daily loss limit 2%, max drawdown 4%, 90% profit split (After 24hrs 90%), After 24hrs, price $56.70 (regular $63.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 10K Instant account: profit target None, daily loss limit 4%, max drawdown 6%, 80% profit split (Payout-On-Demand 80%), Payout-On-Demand, price $71.10 (regular $79.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 10K 1 Step account: profit target 10%, daily loss limit 3%, max drawdown 8%, 80% profit split (On Demand 80%), On Demand, price $80.10 (regular $89.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 10K 1 Step Micro account: profit target 8%, daily loss limit 4%, max drawdown 6%, 80% profit split (On Demand 80%), On Demand, price $31.50 (regular $35.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 10K 2 Steps account: profit target 8% - 4%, daily loss limit 4%, max drawdown 10%, 60% profit split (5-13 days 60% / 14-27 days 80% / 28+ days 95%), 5-13 days 60% / 14-27 days 80% / 28+ days 95%, price $39.60 (regular $44.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 10K 2 Steps account: profit target 8% - 5%, daily loss limit 5%, max drawdown 10%, 80% profit split (On Demand 80%), On Demand, price $53.10 (regular $59.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 20K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $783.00 (regular $870.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 20K Instant (IF1) account: profit target None, daily loss limit 2%, max drawdown 4%, 90% profit split (After 24hrs 90%), After 24hrs, price $107.10 (regular $119.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 25K Instant account: profit target None, daily loss limit 4%, max drawdown 6%, 80% profit split (Payout-On-Demand 80%), Payout-On-Demand, price $152.10 (regular $169.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 25K 1 Step account: profit target 10%, daily loss limit 3%, max drawdown 8%, 80% profit split (On Demand 80%), On Demand, price $170.10 (regular $189.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 25K 1 Step Micro account: profit target 8%, daily loss limit 4%, max drawdown 6%, 80% profit split (On Demand 80%), On Demand, price $49.50 (regular $55.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 25K 2 Steps account: profit target 8% - 4%, daily loss limit 4%, max drawdown 10%, 60% profit split (5-13 days 60% / 14-27 days 80% / 28+ days 95%), 5-13 days 60% / 14-27 days 80% / 28+ days 95%, price $85.50 (regular $95.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 25K 2 Steps account: profit target 8% - 5%, daily loss limit 5%, max drawdown 10%, 80% profit split (On Demand 80%), On Demand, price $125.10 (regular $139.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 40K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $1,561.50 (regular $1,735.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 50K Instant (IF1) account: profit target None, daily loss limit 2%, max drawdown 4%, 90% profit split (After 24hrs 90%), After 24hrs, price $260.10 (regular $289.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 50K Instant account: profit target None, daily loss limit 4%, max drawdown 6%, 80% profit split (Payout-On-Demand 80%), Payout-On-Demand, price $278.10 (regular $309.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 50K 1 Step account: profit target 10%, daily loss limit 3%, max drawdown 8%, 80% profit split (On Demand 80%), On Demand, price $260.10 (regular $289.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 50K 1 Step Micro account: profit target 8%, daily loss limit 4%, max drawdown 6%, 80% profit split (On Demand 80%), On Demand, price $89.10 (regular $99.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 50K 2 Steps account: profit target 8% - 4%, daily loss limit 4%, max drawdown 10%, 60% profit split (5-13 days 60% / 14-27 days 80% / 28+ days 95%), 5-13 days 60% / 14-27 days 80% / 28+ days 95%, price $179.10 (regular $199.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 50K 2 Steps account: profit target 8% - 5%, daily loss limit 5%, max drawdown 10%, 80% profit split (On Demand 80%), On Demand, price $215.10 (regular $239.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 80K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $3,114.00 (regular $3,460.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 100K Instant (IF1) account: profit target None, daily loss limit 2%, max drawdown 4%, 90% profit split (After 24hrs 90%), After 24hrs, price $435.60 (regular $484.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 100K Instant account: profit target None, daily loss limit 4%, max drawdown 6%, 80% profit split (Payout-On-Demand 80%), Payout-On-Demand, price $512.10 (regular $569.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 100K 1 Step account: profit target 10%, daily loss limit 3%, max drawdown 8%, 80% profit split (On Demand 80%), On Demand, price $440.10 (regular $489.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 100K 1 Step Micro account: profit target 8%, daily loss limit 4%, max drawdown 6%, 80% profit split (On Demand 80%), On Demand, price $170.10 (regular $189.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 100K 2 Steps account: profit target 8% - 4%, daily loss limit 4%, max drawdown 10%, 60% profit split (5-13 days 60% / 14-27 days 80% / 28+ days 95%), 5-13 days 60% / 14-27 days 80% / 28+ days 95%, price $359.10 (regular $399.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 100K 2 Steps account: profit target 8% - 5%, daily loss limit 5%, max drawdown 10%, 80% profit split (On Demand 80%), On Demand, price $359.10 (regular $399.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 120K Instant account: profit target None, daily loss limit None, max drawdown 10%, 80% profit split (First 14 days, then 7 days 80%), First 14 days, then 7 days, price $4,671.00 (regular $5,190.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 200K Instant (IF1) account: profit target None, daily loss limit 2%, max drawdown 4%, 90% profit split (After 24hrs 90%), After 24hrs, price $845.10 (regular $939.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 200K Instant account: profit target None, daily loss limit 4%, max drawdown 6%, 80% profit split (Payout-On-Demand 80%), Payout-On-Demand, price $989.10 (regular $1,099.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 200K 1 Step account: profit target 10%, daily loss limit 3%, max drawdown 8%, 80% profit split (On Demand 80%), On Demand, price $879.30 (regular $977.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 200K 1 Step Micro account: profit target 8%, daily loss limit 4%, max drawdown 6%, 80% profit split (On Demand 80%), On Demand, price $314.10 (regular $349.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 200K 2 Steps account: profit target 8% - 4%, daily loss limit 4%, max drawdown 10%, 60% profit split (5-13 days 60% / 14-27 days 80% / 28+ days 95%), 5-13 days 60% / 14-27 days 80% / 28+ days 95%, price $719.10 (regular $799.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 200K 2 Steps account: profit target 8% - 5%, daily loss limit 5%, max drawdown 10%, 80% profit split (On Demand 80%), On Demand, price $746.10 (regular $829.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

Instant Funding 300K Instant account: profit target None, daily loss limit 4%, max drawdown 6%, 80% profit split (Payout-On-Demand 80%), Payout-On-Demand, price $1,412.10 (regular $1,569.00). Use code AFFC8507O9NYKFPRJWYK for 10% off.

33% OFF

YOU2026 — 33% Off

All products except Instant Funding GO, Two-Phase, and Two-Phase Max. Includes: Free 90% profit split add-on + Double PlusPoints

20% OFF

YOUGO2026 — 20% Off

Instant Funding GO only. Includes: Free 90% profit split add-on + Double PlusPoints

Smart Drawdown System

For Instant Funding accounts, the default starting drawdown is 10% which remains the same until you hit a 5% profit. Once you hit 5% profit, your drawdown gets locked at 5% and doesn't change again.

IF1 Payout Requirements

Applies to IF1 accounts only

15% best day rule: your best trading day must not account for more than 15% of your total profit. Your net profit must be at least 3% of your starting balance. You can only request 1 payout.

IF Micro Requirements

Applies to IF Micro accounts only

40% best day rule: your best trading day must be 40% or less of your total profit. Minimum profit: must reach 5% of starting balance. Must trade on 3 different days.

Risk Per Instrument (Micro)

Applies to IF Micro accounts only

You may not risk more than 1% of your account balance on a single trading instrument. Exceeding this limit is classified as gambling and will result in a hard breach.

2-Phase Max Payout Schedule

Applies to Two-Phase accounts

5-13 days: 60% profit split. 14-27 days: 80% profit split. 28+ days: 95% profit split.

News Trading

High-impact news is classified as 'Major News' and may only be traded within an 8-minute window with a Major News Trading add-on.

Copy Trading

Allowed: Traders can copy trade within their Instant Funding accounts or with other accounts. Your Instant Funding account can act as a Master or Slave account.

Expert Advisors (EAs)

Risk management and trade management EAs are allowed.

VPS/VPN Restriction

Traders are not allowed to use VPS or VPN or any type of server trading.

Inactivity Rule

Maximum inactivity period: 60 days. Accounts inactive beyond this period will be breached.

Martingale Strategy

Martingale strategy is allowed.

Prohibited Practices

Latency arbitrage, Account arbitrage, Tick scalping, and any other forms of cheating are strictly prohibited.

Restricted Countries

Live On-Chain Payouts — Last 30 Days

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30D Payouts

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RISEPAY on-chain data only. Some firms also pay via wire or other crypto — figures are a partial view.

Payout Limits
Minimum: $25 • Maximum: No limit
Processing: Varies by program

Instant Funding (Standard)

First payout: 14 days • Subsequent: 7 days • Split: 80%

Instant Funding (IF1)

After 24hrs • Split: 90% • Requires 15% best day rule & 3% min profit

Instant Funding (On-Demand)

Payout-On-Demand • Split: 80%

One-Phase & One-Phase Micro

On Demand • Split: 80%

Two-Phase (Two-Phase Max)

5-13 days: 60% • 14-27 days: 80% • 28+ days: 95%

Two-Phase (Standard)

On Demand • Split: 80%

Scaling
For scaling, you need to hit 10% profit target. The system will utilize 5% of the balance to upgrade you.

Available Markets & Leverage

Forex

Instant

1:100

One-Phase

1:100

Two-Phase

1:100

Metals

Instant