FXIFY vs The5ers
FXIFY
The5ers
Computed verdict
There isn't a current verified offer on both firms, so we don't call a cost winner. On the overall score, The5ers comes out ahead (82 vs 70).
The verdict is computed from verified data and recomputes when the data changes. It is not an opinion and no commercial arrangement alters it. Methodology
Rule by rule
A 4–10% trailing drawdown by program off the closed-balance high that locks at the starting balance once you gain that percentage or request your first payout — withdrawing all profit leaves you with zero buffer. On the 1-Phase, FXIFY's own pages disagree: two rules FAQs say 6%, the how-it-works page says 10% trailing. Size to 6%.
A static 10% max loss from initial balance and a 5% daily limit anchored to the higher of the previous close's balance or equity — nothing trails, but touching either terminates the account.
A 3–5% daily limit by program based on the previous day's balance; the standard Instant account's is in documented conflict between 'none' and '8%'.
A hard daily limit on High Stakes, measured against the higher of the previous midnight's balance or equity — hitting it terminates the account. The5ers' own pages disagree on the number: the 2-Step Plan Rules & Specifications page (last updated 7 September 2026) and the Summer Plan page both state 3%, while the High Stakes general-rules page (last updated 10 August 2026) states 5%. Unresolved, and we do not pick a side. We publish 5% because it comes from the High Stakes page, but 3% is the safer assumption and the one to trade to until The5ers reconciles its pages. On a $100,000 account the gap is $2,000 of daily room, on a limit that ends the account.
Standard programs document no consistency rule; Lightning caps your best day at 30% of total profits and Instant Lite at 20%, withholding the payout (not the account) until met.
There is no percentage consistency rule, but each step requires at least 3 profitable days of +0.5% or more, which blocks one-day passes.
Phase 1 8% ($4,000), Phase 2 5% ($2,500), minimum 4 days each; static 10% ($5,000) max overall loss. Lightning plan: FXIFY's Lightning FAQ gives 5 trading days to hit the target; its how-it-works page says 7. Plan on 5.
Two steps on the current High Stakes plan: 10% then 5% (a legacy Classic variant runs 8% then 5%), each needing a minimum of 3 profitable days, where a profitable day is closed net of at least +0.5% of the initial balance. Maximum total loss is 10% of the initial balance. The daily loss limit is disputed between The5ers' own pages at 3% and 5% — see the daily-loss section, where both positions are recorded and neither is settled. Inactivity: an account expires after 30 consecutive days without trading during evaluation, and after 60 on a funded account.
First payout on demand after your first closed trade on the live account, then monthly (or bi-weekly with an add-on), at up to a 90% split — the base without add-ons is unpublished — with the fee 100% refunded at first payout.
On the 2-Step, The5ers splits 80/20 and scales to 100% with a fixed monthly payout at high balances. On how much you need before you can be paid, its own pages disagree: the 2-Step rules page asks for $250 of profit, the withdrawals help page asked for $150. We record both and pick neither. What is clear is that there is a cap: $2,000 per payout cycle. First payout 14 days after the account is activated, then every two weeks.
FXIFY's per-size price grids did not render on the pages we fetched, so we publish no $50K figure. The one price we confirmed first-hand is One Phase $5K at $250; the firm also advertises Lightning "from as low as $59", Instant "From $69" and Instant Lite "From $19". The evaluation fee is described as 100% refundable with your first payout. We found no activation fee but could not confirm its absence, and the ~20% codes in circulation come from affiliates, not from FXIFY's own pages.
$100K 2-Step Classic (8%/5%): one-time $179, and $149 for the 10%/5% tier — both read on The5ers' own pages on 2026-09-08. Smaller sizes are served by a dynamic pricing widget we could not read, so we publish no $50K price. No monthly fee, no activation fee documented, and no paid reset product: a failed evaluation means buying a new one.