FXIFY review (2026): fees, rules and payouts
We rated FXIFY on the same inputs as every firm here: its published prices and rules and its customer ratings. It scores 7.3 and ranks 2 of 29.
Who FXIFY suits
Good for you if…
- ✓you want a firm traders rate highly (4.3 on Trustpilot)
- ✓you want to keep up to 90% of your profits
- ✓you want a challenge cheaper than most (100K from $399)
- ✓you hedge your positions
- ✓you hold trades over the weekend
Bottom line: FXIFY is a solid choice, and it costs less than most rivals at 100K.
Visit FXIFY*Not for you if…
- ✗you rely on trading robots (EAs)
- ✗you scalp very short trades
- ✗you trade right on big news
- ✗you copy trades from another account
FXIFY 100K challenges at a glance
| Program | Type | Price | Target | Daily loss | Max loss |
|---|---|---|---|---|---|
| Lightning | 1-Step | $399 | 5% | 3% | 4% |
| Three Phase | 3-Step | $399 | 5% / 5% / 5% | 5% | 5% |
| Two Phase Standard | 2-Step | $549 | 10% / 5% | 4% | 10% |
| Two Phase Classic | 2-Step | $549 | 5% / 10% | 4% | 10% |
| One Phase | 1-Step | $549 | 10% | 3% | 6% |
| Two Phase Pro | 2-Step | $599 | 4% / 8% | 4% | 8% |
| Instant Funding | Instant | $4,249 | None | 8% | 8% |
Quick take
FXIFY sells one of the broadest line-ups we track: a 1-Phase, three 2-Phase versions, a 3-Phase, Lightning and instant funding. Accounts go from $5,000 to $400,000 and you can trade on MT5, DXtrade or TradingView.
How the score adds up
It sits at number 2 of 29 in our ranking. Here is where its 7.3 comes from:
What we like and what we don't
Pros
- Big menu of programs and sizes
- 1-Phase fee returned in full
- Choice of MT5, DXtrade or TradingView
- Hedging and martingale permitted
Cons
- Leverage tops out at 1:30
- Some programs carry a 25–30% consistency rule
FXIFY challenge types
| Program | Type | Sizes | From | Profit split |
|---|---|---|---|---|
| Instant Funding Lite | Instant | 2.5K–50K | $19 | 80% |
| Three Phase | 3-Step | 5K–400K | $39 | 80% |
| Lightning | 1-Step | 10K–100K | $59 | 80% |
| Two Phase Standard | 2-Step | 5K–400K | $59 | 80% |
| Two Phase Classic | 2-Step | 5K–100K | $59 | 80% |
| One Phase | 1-Step | 5K–400K | $59 | 80% |
| Instant Funding | Instant | 1K–100K | $69 | 80% |
| Two Phase Pro | 2-Step | 10K–250K | $129 | 80% |
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
FXIFY against rivals
Common questions
Can I trust FXIFY?
FXIFY has run since 2022 and earned a solid reputation thanks to its wide range.
How much of the profit do I keep?
80% as standard, raised to 90% with an add-on.
Which FXIFY program is cheapest?
Usually the 3-Phase, at about $399 for a 100K account.
What does a FXIFY 100K challenge cost?
The lowest-priced FXIFY 100K challenge that pays at least 80% is Lightning (1-step), at $399.
Can traders in India sign up with FXIFY?
Yes. India does not appear on FXIFY's restricted-country list. These lists change, so confirm in the terms when you register.