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FXIFY vs Instant Funding: which prop firm should you choose? (2026)
We compare FXIFY and Instant Funding using exactly the same data: published prices, published rules and Trustpilot ratings. You'll find the full table and our pick below.
Side-by-side comparison
| FXIFY | Instant Funding | |
|---|---|---|
| Score | 7.3/10 | 6.2/10 |
| Trustpilot | 4.3 | 3.1 |
| Profit split | 90% | 80% |
| Max leverage | up to 1:30 | up to 1:100 |
| 100K challenge from | $399 (Lightning) | $259 (One-Phase Micro) |
| Programs | 8 | 15 |
| Platforms | MT5, DXtrade, TradingView | MT5, cTrader, Match-Trader |
| Payouts via | Crypto, Bank Transfer, Rise | Crypto, Bank Transfer |
| News trading | Restricted | Restricted |
| Weekend holding | Allowed | Allowed |
| Expert advisors (EAs) | Restricted | Restricted |
| Hedging | Allowed | Allowed |
| Scalping | Restricted | Restricted |
| Copy trading | Restricted | Restricted |
| Martingale | Allowed | Restricted |
What we think
In our scoring, FXIFY (7.3) comes out ahead of Instant Funding (6.2).
Instant Funding has the cheaper 100K challenge ($259), while FXIFY starts at $399.
Traders rate FXIFY higher: 4.3 out of 5 on Trustpilot compared with 3.1.
FXIFY gives you more freedom in how you trade, like news, EAs and holding over the weekend.
- You'll probably prefer FXIFY if you want better reviews from traders, to keep more of your profit, to trade on DXtrade, TradingView.
- You'll probably prefer Instant Funding if you want a cheaper challenge, more programs to choose from, more leverage.
Meet the two firms
FXIFY
FXIFY has one of the biggest menus we've seen: a 1-Phase, three versions of the 2-Phase, a 3-Phase, Lightning and instant funding. Accounts go from $5,000 to $400,000, and you can trade on MT5, DXtrade or TradingView.
Instant Funding
Instant Funding started out with instant accounts and now also sells 1- and 2-Step challenges and Micro versions. You can trade on MT5, cTrader or Match-Trader.
Questions traders ask us
Should I choose FXIFY or Instant Funding?
In our scoring, FXIFY (7.3) comes out ahead of Instant Funding (6.2).
Which costs less, FXIFY or Instant Funding?
Instant Funding has the cheaper 100K challenge ($259), while FXIFY starts at $399.
Can I have accounts with FXIFY and Instant Funding at the same time?
Absolutely. Many traders buy challenges from more than one firm. Just don't copy trades from someone else's account or hedge one firm against another; nearly every firm bans that.