If you’ve been browsing prop firms, this review of Fintokei might surprise you – in a good way.
While many firms overpromise and underdeliver, Fintokei puts real payouts and fast-track evaluation at the center of its offer.
Backed by Purple Group, an established fintech name since 2011, Fintokei blends education, funding, and freedom into one platform.
With options for beginners to pros and zero time limits in some programs, it’s not your typical one-size-fits-all setup.
Let’s break down what makes this firm stand out and whether it’s the right choice for your trading goals.
Fintokei Review
Fintokei is a prop trading firm offering demo-based challenges with real money payouts.
The platform is designed to evaluate traders using virtual capital, while rewarding successful performance with biweekly payouts.
Get Started HereFintokei is part of the larger Purple Group, a fintech company established in 2011 with subsidiaries in brokerage, payment solutions, and venture capital.
This backing adds a layer of trust and stability, especially for traders tired of scammy setups or limited payout windows.
How Does Fintokei Work?
Fintokei provides traders with simulated capital accounts and lets them earn based on performance.
Once you select a challenge – either StartTrader, SwiftTrader, or ProTrader – you’re evaluated based on consistent profit, risk management, and drawdown control.
Once you meet the conditions, you start receiving real payouts directly to your account, with some programs paying out every two weeks.
There are no time limits on SwiftTrader challenges, and minimal requirements on others, meaning you can trade at your own pace – a rare feature in the prop firm world.
Fintokei Challenge Types Compared
Here’s a breakdown of all three trading programs: what they offer, who they’re for, and how much they cost.
StartTrader (Beginner Level)
StartTrader (Beginner Level)This program is designed for new traders who want to ease into prop trading without harsh restrictions.
Key Features
- Capital: Up to €50,000
- Phases: Three-phase evaluation
- Profit Targets: 2%, 3%, and 6% respectively
- Daily Loss Limit: -3%
- Max Loss Limit: -6%
- Time Limit: Min 3 days, Max 180 days
- Scaling: Up to €500,000
- Fees: From €44 to €244 depending on capital
- Reward Ratio: 50–100% based on performance
StartTrader is ideal if you’re still building confidence. The targets are achievable, the loss limits are manageable, and the fees are affordable.
The extended time window also makes it less stressful for newer traders.
SwiftTrader (Intermediate Level)
SwiftTrader is for traders who want no time pressure and the fastest route to payout.
Key Features
- Capital: €1,000 to €5,000
- Time Limit: None – trade at your pace
- Profit Targets: Not listed; focus is on scaling and discipline
- Daily Loss Limit: None
- Max Loss Limit: -10%
- Scaling: Up to €50,000
- Fees: €79 to €259
This program offers the easiest and most flexible evaluation. There are no daily loss limits and no deadlines, so you can scale based purely on performance.
It’s great for consistent traders who prefer breathing room over strict timelines.
ProTrader (Advanced Level)
ProTrader is Fintokei’s most challenging program, aimed at seasoned traders ready for larger accounts and higher pressure.
Key Features
- Capital: €10,000 to €50,000
- Phases: Two-phase evaluation
- Profit Targets: 8% and 6%
- Daily Loss Limit: -5%
- Max Loss Limit: -10%
- Time Limit: 3 profitable days minimum, no upper limit
- Scaling: Up to €500,000
- Fees: €99 to €319
What sets ProTrader apart is its payout size. With accounts scaling up to half a million euros and strong risk-reward requirements, this program rewards discipline at the highest level.
Plus, video education is included for all ProTrader accounts.
How Fintokei Payouts Work
Fintokei offers biweekly payouts – meaning traders don’t have to wait 30+ days to get paid.
As soon as you pass your challenge and start trading a funded account, you’re eligible to withdraw profits every two weeks.
This applies across all challenge types, but it’s especially appealing for those in the SwiftTrader and ProTrader programs who meet criteria faster.
The performance reward ratio ranges from 50% to 100%, depending on the account type and evaluation path. The more consistent you are, the more you keep.
Fintokei Rules and Risk Management
Fintokei enforces clear and fair trading rules.
Each account comes with a daily loss limit and a maximum loss limit. These limits vary by program:
- StartTrader: -3% daily, -6% max
- SwiftTrader: No daily loss, -10% max
- ProTrader: -5% daily, -10% max
Timeframes also differ. While StartTrader has a max 180-day window, SwiftTrader gives you unlimited time, and ProTrader only requires 3 profitable days with no max deadline.
This structure accommodates all trading styles – fast or slow, swing or scalp.
Is Fintokei Legit?
Yes – and that’s backed by more than flashy design.
Fintokei is part of Purple Group, a fintech brand founded in 2011. Purple runs brokerage firms, venture capital initiatives, and its own payment systems.
This background makes Fintokei more trustworthy than newer, unverified prop firms.
It also has a 4.5 Trustpilot rating based on nearly 500 reviews, which is solid compared to industry averages. Traders praise its fast payments, transparent rules, and customer service.
Pros and Cons of Fintokei
Here’s what to consider before signing up:
Pros
Pros- Biweekly real payouts
- No time limit on SwiftTrader challenges
- Three flexible programs
- Backed by a reputable fintech group
- Affordable one-time fees
- Scaling up to €500,000
- Video course included in ProTrader
Cons
Cons- Limited info about withdrawal methods
- No clear profit targets for SwiftTrader
- No mobile app (as of now)
Who Should Use Fintokei?
Fintokei is built for traders who value flexibility, steady payouts, and scalability.
If you’re a new trader, StartTrader provides a risk-managed way to learn. For fast movers, SwiftTrader eliminates the pressure of deadlines. And if you’re a seasoned pro, ProTrader offers big capital and the tools to match.
Unlike many other firms, Fintokei doesn’t force traders into a rigid evaluation model. Whether you need time or speed, they’ve covered both ends of the spectrum.
Best Prop Firms in January 2026
Heads up! If you don’t have the time to read and research for weeks to find the best prop firm, then save yourself some hassle.
I personally recommend the prop firms below. They all have excellent reputations with great trader feedback. If any of them do stop being any less than excellent, I will stop recommending them. That’s my promise to you. I only promote great prop firms.
Oh, and we have also managed to negotiate some really great discounts to go with them!
Frequently Asked Questions
Is Fintokei a Legit Prop Trading Firm?
Yes, Fintokei is part of Purple Group, an established fintech company founded in 2011. The firm has a Trustpilot score of 4.5 and provides biweekly real payouts.
What Makes Fintokei Different from Other Prop Firms?
Fintokei offers unlimited time on certain challenges, biweekly payouts, and flexible rules. Most prop firms restrict traders with harsh deadlines and monthly payments – Fintokei doesn’t.
How Much Does It Cost to Join Fintokei?
Fees range from €44 to €319, depending on your selected challenge and capital size. All fees are one-time and clearly displayed before you start.
Can I Get Paid Every Two Weeks with Fintokei?
Yes, one of Fintokei’s biggest benefits is its biweekly payout schedule, which allows traders to access profits much faster than traditional monthly models.
Conclusion
This review shows that Fintokei is more than just a flashy brand – it’s a well-thought-out prop firm with real payouts, no time traps, and solid backing from a fintech group that’s been around since 2011.
The flexible programs and transparent rules make it a strong option for traders at any stage.
Whether you’re after high-capital challenges or looking for a low-risk way to start, Fintokei provides choices that fit.
It’s not trying to copy other firms – it’s trying to outdo them, and in many ways, it’s succeeding.