Prop Firm Mirror Forex prop firms Instant Funding
Prop firm rules · verified 30 Oct 2026
Instant Funding: rules, prices and payouts
Instant Funding sells 14 programs across forex & CFD and crypto. List prices start at $25 for the $2K IF Starter (formerly IF1). Every rule below comes from the firm's own pages, with the source and the date checked; last verified 30 Oct 2026.
6.1 Mirror Score · Forex & CFD · Mixed
5.7 Mirror Score · Crypto · Mixed
14 Programs · Forex & CFD, Crypto
26 Restricted countries
LC HQ · St. Lucia
30 Oct 2026 Last verified
Open Instant Funding in the interactive comparison Crypto view Official site
Live offers
2 codes and offers Instant Funding publishes on its own site, for Forex & CFD and Crypto. No affiliate or creator codes. Shown while the end date has not passed and the last check is within 7 days; confirm the price at checkout.
Offer Code Applies to Ends Source
40% off LITE40IF Micro Lite accounts up to $25K
No end date given
instantfunding.com Checked 31 Oct 2026
30% off IF30Pro and Lite account modes
No end date given
instantfunding.com Checked 31 Oct 2026
Mirror Score
Part Weight Forex & CFD Crypto
Payout record 35% 4.9 4.9 Public reviews 35% 5.1 5.1 Rules & cost 18% 8.4 7.0 Track record 12% 9.0 7.8 Mirror Score out of 10 6.1 Mixed5.7 Mixed
The Mirror Score is Prop Firm Mirror's opinion, scored separately in each market section from public reviews, payout records and the firm's published rules; reviews and reports checked 30 Oct 2026. It is not a guarantee of how a firm will treat you. How the score works · the reviews, payout trackers and incidents behind it are on the interactive page .
Forex & CFD programs
12 programs in Forex & CFD. Prices are the regular list price in the firm's own currency; account sizes are in US dollars unless stated.
Instant Funding Pro
Model Instant funding · Forex & CFD Account sizes and list prices $625: $44 · $1.3K: $84 · $2.5K: $129 · $5K: $239 · $10K: $459 · $20K: $899 · $40K: $1,849 · $80K: $3,699 · $120K: $5,499 Price note Formerly 'Instant Funding Smart'. Add-ons: Swing (news + weekend, +15%), +10% profit split (+20%). Commission-free or RAW spread accounts at the same price. Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit None Max drawdown Smart Drawdown: 10% of starting balance, tightening to 5% of starting balance once +5% profit is locked in Drawdown type Static Profit split 80%; 90% with add-on Payout frequency First payout 14 days after the first trade, then every 7 days after a new trade Payout minimum $25 Min trading days None Time limit None (account closed after 60 days without a trade) Consistency rule None News trading Only with the Swing add-on; otherwise no trades 4 minutes either side of major news EAs and bots Own (first-party) EAs only; public third-party EAs restricted Weekend holding Overnight included; weekend only with the Swing add-on Copy trading Only between accounts owned by the same person (including from the trader's accounts elsewhere) Leverage / contracts 1:100 forex, 1:20 metals/commodities/indices, 1:2 crypto (Swing: 1:30 / 1:8 metals / 1:10 / 1:1). Metals, oil and indices temporarily 1:5 on funded accounts Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open Instant Funding Pro in the interactive comparison
Instant Funding Lite
Model Instant funding · Forex & CFD Account sizes and list prices $1.3K: $67 · $2.5K: $103 · $5K: $191 · $10K: $367 · $20K: $719 · $40K: $1,479 · $80K: $2,959 Price note Formerly 'Instant Funding GO'. Add-ons: Swing (+15%), +10% profit split (+20%). Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit 4% of account value, recalculated at 17:00 EST on the higher of balance or equity Max drawdown Smart Drawdown: 10% of starting balance, tightening to 5% once +5% profit is locked in Drawdown type Static Profit split 80%; 90% with add-on Unverified Payout frequency First payout 14 days after the first trade, then every 7 days Payout minimum $25 Min trading days None Time limit None (60-day inactivity closure) Consistency rule None News trading Only with the Swing add-on; otherwise 4-minute restriction either side of major news EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Overnight included; weekend only with the Swing add-on Copy trading Only between accounts owned by the same person Leverage / contracts 1:100 forex, 1:20 metals/commodities/indices, 1:2 crypto (Swing reduces leverage) Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open Instant Funding Lite in the interactive comparison
IF Micro Pro
Model Instant funding · Forex & CFD Account sizes and list prices $5K: $53 · $10K: $109 · $25K: $234 · $50K: $439 · $100K: $813 · $200K: $1,199 · $300K: $1,659 Price note Formerly 'IF Micro'. Add-ons: +10% profit split (+20%), best-day rule 20% (+25%). Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit 4% of account value, recalculated at 17:00 EST on the higher of balance or equity Max drawdown 6% of starting balance Drawdown type Static Profit split 80%; 90% with add-on Payout frequency On demand once conditions are met Payout minimum Net profit of at least 5% of starting balance Min trading days None Time limit None (60-day inactivity closure) Consistency rule Best day max 15% of total profit (20% with add-on) News trading Allowed by default (news straddling not permitted) EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Allowed Copy trading Only between accounts owned by the same person Leverage / contracts 1:100 forex, 1:20 metals/commodities/indices, 1:2 crypto Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open IF Micro Pro in the interactive comparison
IF Micro Lite
Model Instant funding · Forex & CFD Account sizes and list prices $5K: $59 · $10K: $99 · $25K: $193 · $50K: $341 · $100K: $671 Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit 3% of account value per day Max drawdown Smart Drawdown: 6% of starting balance, tightening to 3% once +3% balance gain is locked in Drawdown type Static Profit split 80% Payout frequency Every 14 days Payout minimum 5% of starting balance Min trading days None Time limit None (60-day inactivity closure) Consistency rule Best day max 15% of total profit News trading Not allowed; a trade within 4 minutes of major news is a strike (1st strike: split drops to 50%; 2nd: breach) EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Not allowed Copy trading Only between accounts owned by the same person Leverage / contracts 1:30 forex, 1:5 metals, 1:20 commodities and indices Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices CFDs
Sources, checked 30 Oct 2026 :
Open IF Micro Lite in the interactive comparison
IF Starter (formerly IF1)
Model Instant funding · Forex & CFD Account sizes and list prices $2K: $25 · $5K: $38 · $10K: $69 Price note 24-hour account: closes 24 hours after the first trade (48h window add-on +25%). Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit 2% of account value, recalculated at 17:00 EST Max drawdown 4% of starting balance Drawdown type Static Profit split 70% (help centre); homepage states 90% Unverified Payout frequency One payout after the 24-hour account period ends Payout minimum Net profit of at least 2% of starting balance Min trading days None Time limit 24 hours from the first trade Consistency rule Best trade max 15% (best-trade rule) News trading Allowed by default EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Not published Copy trading Only between accounts owned by the same person Leverage / contracts Not published Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open IF Starter (formerly IF1) in the interactive comparison
One-Phase Pro
Model 1-Step · Forex & CFD Account sizes and list prices $10K: $127 · $25K: $205 · $50K: $424 · $100K: $746 · $200K: $1,379 Price note Add-ons: Swing (+15%), +10% split (+20%), -2% profit target (+20%), +2% max drawdown (+20%), remove min trading days (+10%). Billing One-time fee Profit target Challenge: 10% Daily loss limit 3% of account value, recalculated at 17:00 EST on the higher of balance or equity Max drawdown 8% of starting balance (10% with add-on) Drawdown type Static Profit split 80%; 90% after 10% profit over 3 months or with add-on Payout frequency On demand once conditions are met Payout minimum 1.5% of starting balance or $25, whichever is larger Min trading days 3 trading days in the challenge Time limit None Consistency rule Best day max 40% of total profit (payouts) News trading Allowed in the challenge; funded only with the news/Swing add-on EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Only with the Swing add-on Unverified Copy trading Only between accounts owned by the same person Leverage / contracts 1:100 forex, 1:20 metals/commodities/indices, 1:2 crypto Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open One-Phase Pro in the interactive comparison
One-Phase Lite (formerly One-Phase Clarity)
Model 1-Step · Forex & CFD Account sizes and list prices $5K: $57 · $10K: $100 · $25K: $185 · $50K: $284 · $100K: $500 Price note Add-on: +10% profit split (+20%). Billing One-time fee Profit target Challenge: 9% Daily loss limit 4% of account value per day Max drawdown 6% of starting balance, trailing the highest closed balance Drawdown type Trailing (intraday) Profit split 80%; 90% with add-on Payout frequency First payout on demand, then every 7 days Payout minimum 1.5% of starting balance Min trading days None Time limit None Consistency rule None News trading Allowed in the challenge; funded only with the news add-on EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Allowed Copy trading Only between accounts owned by the same person Leverage / contracts 1:30 forex, 1:5 metals, 1:20 commodities and indices Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices CFDs
Sources, checked 30 Oct 2026 :
Open One-Phase Lite (formerly One-Phase Clarity) in the interactive comparison
One-Phase Micro
Model 1-Step · Forex & CFD Account sizes and list prices $10K: $39 · $25K: $64 · $50K: $114 · $100K: $259 Price note Add-on: +10% profit split (+20%). Billing One-time fee Profit target Challenge: 7% Daily loss limit 4% of account value, recalculated at 17:00 EST on the higher of balance or equity Max drawdown 7% of starting balance Drawdown type Static Profit split 80%; 90% with add-on Payout frequency On demand once conditions are met Payout minimum 1.5% of starting balance or $25, whichever is larger Min trading days None Time limit None Consistency rule Best day max 15% of total profit News trading Allowed by default EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Allowed Copy trading Only between accounts owned by the same person Leverage / contracts Not published Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open One-Phase Micro in the interactive comparison
Two-Phase
Model 2-Step · Forex & CFD Account sizes and list prices $5K: $48 · $10K: $89 · $25K: $163 · $50K: $296 · $100K: $539 · $200K: $1,078 Price note Add-ons: Swing (+15%), +10% split (+20%), -2% profit target (+20%), +2% max drawdown (+20%), remove min trading days (+10%). Billing One-time fee Profit target Phase 1: 8% · Phase 2: 5% Daily loss limit 5% of account value, recalculated at 17:00 EST on the higher of balance or equity Max drawdown 10% of starting balance (12% with add-on) Drawdown type Static Profit split 80%; 90% after 10% profit over 3 months or with add-on Unverified Payout frequency On demand once conditions are met Payout minimum 1.5% of starting balance or $25, whichever is larger Min trading days 3 trading days Time limit None Consistency rule Best day max 40% of total profit (payouts) News trading Allowed in challenge phases; funded only with the news/Swing add-on EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Only with the Swing add-on Unverified Copy trading Only between accounts owned by the same person Leverage / contracts Not published Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open Two-Phase in the interactive comparison
Two-Phase Micro
Model 2-Step · Forex & CFD Account sizes and list prices $5K: $70 · $10K: $99 · $25K: $142 · $50K: $256 · $100K: $413 · $200K: $856 Price note Regular prices; on 2026-10-30 the site showed reduced prices of $49 / $69 / $99 / $179 / $289 / $599. Add-ons: +10% split, best-day rule 20%. Billing One-time fee Profit target Phase 1: 8% · Phase 2: 4% Daily loss limit 4% of account value, recalculated at 17:00 EST on the higher of balance or equity Max drawdown 10% of starting balance Drawdown type Static Profit split 60% if paid out 5-13 days after first trade, 80% at 14-27 days, 95% at 28 days or later (timer resets after each payout) Payout frequency On demand, as often as every 5 days Payout minimum 1.5% of starting balance or $25, whichever is larger Min trading days Not published Time limit None Consistency rule Best day max 15% of total profit (20% with add-on) News trading Allowed by default EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Allowed Copy trading Only between accounts owned by the same person Leverage / contracts Not published Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices, crypto CFDs
Sources, checked 30 Oct 2026 :
Open Two-Phase Micro in the interactive comparison
IF Micro Clarity
Model Instant funding · Forex & CFD Account sizes and list prices $5K: $109 · $10K: $145 · $25K: $252 · $50K: $431 · $100K: $789 · $200K: $1,505 Price note Add-on: +10% profit split (+20%). First Account Drawdown flag reduces split to 50% instead of breaching. Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit 3% of account value per day Max drawdown 6% of starting balance, trailing the highest closed balance Drawdown type Trailing (intraday) Profit split 80%; 90% with add-on Payout frequency On demand after at least 5 profitable days of +0.5% each Payout minimum 3% of starting balance Min trading days 5 profitable days (min +0.5% each) before a payout Time limit None Consistency rule Best day max 20% of total profit News trading Allowed by default (news straddling not permitted) EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Allowed Copy trading Only between accounts owned by the same person Leverage / contracts 1:30 forex, 1:5 metals, 1:20 commodities and indices Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices CFDs
Sources, checked 30 Oct 2026 :
Open IF Micro Clarity in the interactive comparison
Instant Funding Clarity
Model Instant funding · Forex & CFD Account sizes and list prices $625: $49 · $1.3K: $93 · $2.5K: $142 · $5K: $263 · $10K: $505 · $20K: $989 · $40K: $2,034 · $80K: $4,069 · $120K: $6,049 Price note Add-ons: Swing (+15%), +10% split (+20%). First Account Drawdown flag reduces split to 50%; second flag breaches. Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit None Max drawdown Smart Drawdown: 10% of starting balance, adjusting once the account reaches 5% profit Drawdown type Static Profit split 80%; 90% with add-on Payout frequency First payout 14 days after the first trade, then weekly Payout minimum Not published Min trading days None Time limit None Consistency rule None News trading Only with the news (Swing) add-on EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Not published Copy trading Only between accounts owned by the same person Leverage / contracts Program page: 1:100 forex, 1:20 commodities and indices; leverage FAQ groups Clarity products at 1:30 forex, 1:5 metals, 1:20 commodities/indices Unverified Platforms MT5, cTrader, Match-Trader Instruments Forex, metals, commodities, indices CFDs
Sources, checked 30 Oct 2026 :
Open Instant Funding Clarity in the interactive comparison
Crypto programs
2 programs in Crypto. Prices are the regular list price in the firm's own currency; account sizes are in US dollars unless stated.
IF Micro Crypto
Model Instant funding · Crypto Account sizes and list prices $5K: $42 · $10K: $79 · $25K: $169 · $50K: $319 · $100K: $589 · $200K: $1,199 Price note RAW spread accounts only. Billing One-time fee Profit target No evaluation: funded from day one Daily loss limit 4% of account value, recalculated at 17:00 EST Max drawdown 6% of starting balance Drawdown type Static Profit split 80% Payout frequency On demand once conditions are met Payout minimum Net profit of at least 5% of starting balance Min trading days None Time limit None Consistency rule Best day max 15% of total profit News trading Allowed by default EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Allowed Copy trading Only between accounts owned by the same person Leverage / contracts 1:5 BTC and ETH, 1:2 other crypto Platforms MT5, cTrader, Match-Trader Instruments Crypto CFDs (BTC, ETH and altcoins against USD)
Sources, checked 30 Oct 2026 :
Open IF Micro Crypto in the interactive comparison
One-Phase Crypto
Model 1-Step · Crypto Account sizes and list prices $5K: $89 · $10K: $179 · $25K: $229 · $50K: $410 · $100K: $799 Price note RAW spread accounts only. A $200K option appears in the site data at $519, which looks inconsistent and is omitted. Billing One-time fee Profit target Challenge: 10% Daily loss limit 3% of account value, recalculated at 17:00 EST Max drawdown 6% of starting balance Drawdown type Static Profit split 80% Payout frequency Every 7 days Payout minimum 1.5% of starting balance Min trading days 7 trading days before a payout Time limit None Consistency rule Not published News trading Allowed by default EAs and bots Own EAs only; public third-party EAs restricted Weekend holding Allowed Copy trading Only between accounts owned by the same person Leverage / contracts 1:5 BTC and ETH, 1:2 other crypto Platforms MT5, cTrader, Match-Trader Instruments Crypto CFDs (extended altcoin list)
Sources, checked 30 Oct 2026 :
Open One-Phase Crypto in the interactive comparison
Restricted countries
Instant Funding lists 26 restricted countries.
Afghanistan Belarus Burundi Central African Republic Congo Cuba DR Congo Eritrea Guinea Guinea-Bissau Iran Iraq Liberia Libya Myanmar North Korea Papua New Guinea Russia Somalia South Sudan Sudan Syria Vanuatu Venezuela Yemen Zimbabwe
List from the AML Policy (version 1.1, March 2025) 'Sanctioned Countries' section; it also names Crimea. US clients are accepted but can only use Match-Trader. Pakistan (PK) is not listed.
Headquarters and legal entity
Country St. Lucia City Gros Islet Legal entity IF Pro Ltd Founded 2021 Status Verified on the firm's own pages
IF Pro Ltd, International Business Company incorporated in Saint Lucia (reg. 2025-00056), The top floor, Rodney Court Building, Rodney Bay, Gros Islet. Acello Ltd (England and Wales, company 12696083, 30 Old Bailey, London EC4M 7AU) is payment agent and trades as Instant Funding and Instant Funding South Africa. Site footer states 'Est. 2021 in the UK'.
Good to know
US-based clients can trade only on Match-Trader; MT5 and cTrader are for clients outside the US. One combined cap of $1,000,000 starting balance across all accounts and programs (scaled growth not counted). Accounts are closed if no trade is placed within 60 days of purchase or of the last trade. Most programs limit risk per trade idea (e.g. 3% Pro, 2% Lite, 1% IF Micro Pro) and apply maximum lot sizes per asset class. Other products: Evolve (6% target, 4% EOD max loss, $10K-$50K) is documented in the help centre but hidden on the homepage; Two-Phase ZAR (10%/5% targets, 4% daily, 10% static, priced in rand, MT5 only) is offered via Instant Funding South Africa. Instant Funding announced the acquisition of Funded Trading Plus on 2026-06-03.
What we couldn't verify
General Terms PDF could not be machine-read; restricted list taken from the AML Policy (March 2025). Instant Funding Lite base profit split not stated on its help page; 80% assumed from the +10% split add-on and homepage pattern. IF Starter profit split conflicts: help centre says 70%, homepage card says 90%. Two-Phase split text on the homepage could not be tied with certainty to Two-Phase vs One-Phase Pro (both show the 'reach 10% in 3 months for 90%' wording). Instant Funding Clarity leverage conflicts between its program page and the leverage FAQ. Leverage for One-Phase Micro, Two-Phase and Two-Phase Micro not stated in the leverage FAQ product groups. Prices read from the site's embedded product data (WooCommerce) on 2026-10-30; prices are the same across platforms and spread types.
Sources
28 official pages used for Instant Funding, with the date each was checked. The full log is in the data log .