AIFO review (2026): fees, rules and payouts
We rated AIFO on the same inputs as every firm here: its published prices and rules and its customer ratings. It scores 4.8 and ranks 28 of 29.
Who AIFO suits
Good for you if…
- ✓you want a challenge cheaper than most (100K from $449)
- ✓you hold trades over the weekend
- ✓you trade on MT5
- ✓you want a choice of 4 challenge types
Bottom line: AIFO is a choice for specific needs only, at a typical price for 100K.
Visit AIFO*Not for you if…
- ✗you want a long Trustpilot track record
- ✗you trade right on big news
- ✗you rely on trading robots (EAs)
AIFO 100K challenges at a glance
| Program | Type | Price | Target | Daily loss | Max loss |
|---|---|---|---|---|---|
| 2-Step Core | 2-Step | $449 | 8% / 5% | 5% | 10% |
| 1-Step Fast Track | 1-Step | $489 | 10% | 3% | 6% |
| Instant Direct Access | Instant | $699 | None | 3% | 5% |
Quick take
AIFO is based in Hong Kong and uses MetaTrader 5 exclusively. Its four account types are 2-Step, 1-Step, Instant and Sprint, a challenge that runs for only 24 hours. One trader can hold up to $2 million across combined accounts.
How the score adds up
It sits at number 28 of 29 in our ranking. Here is where its 4.8 comes from:
There is no Trustpilot rating for this firm yet, so the score uses only profit split, price and trading freedom.
What we like and what we don't
Pros
- Sprint: a 24-hour challenge few firms offer
- Up to $2 million across accounts
- Weekend holding permitted
Cons
- Not yet rated on Trustpilot
- MT5 is the only platform
- Gap trading prohibited
AIFO challenge types
| Program | Type | Sizes | From | Profit split |
|---|---|---|---|---|
| Instant Direct Access | Instant | 5K–100K | $69 | 70% |
| 2-Step Core | 2-Step | 10K–200K | $79 | 80% |
| 1-Step Fast Track | 1-Step | 10K–200K | $89 | 80% |
| Sprint | Instant | 10K–50K | $149 | 90% |
Standard prices before coupons, checked on 14 November 2026. Prices change often, so check the firm's own site before paying.
Trading rules at a glance
Restricted means allowed with conditions, for example a short no-trade window around big news. The firm's website has the full wording.
Platforms, payments and payouts
AIFO against rivals
Common questions
How does the Sprint challenge work?
You get 24 hours from your first trade. Reach the target inside that window and you can withdraw right away.
How often are payouts?
Every 14 days on funded 1- and 2-Step accounts; on request for instant accounts once the target is hit. Minimum $100.
What does a AIFO 100K challenge cost?
The lowest-priced AIFO 100K challenge that pays at least 80% is 2-Step Core (2-step), at $449.
Can traders in India sign up with AIFO?
Yes. India does not appear on AIFO's restricted-country list. These lists change, so confirm in the terms when you register.