AIFO review 2026: honest look at fees, rules and payouts
We looked at AIFO the same way we look at every firm: its published prices, its published rules and what customers say. It earns 4.8 and lands at 29 of 30.
At a glance
AIFO in a nutshell
- Best for
- Traders who want a challenge cheaper than most (100K from $449)
- Price for 100K
- $449 (2-Step Core)
- Payout schedule
- Every 14 days
- Watch out for
- No Trustpilot rating yet
AIFO is a Hong Kong firm that sticks to MetaTrader 5. It has four account types: 2-Step, 1-Step, Instant and Sprint, which is a challenge that lasts just 24 hours. One trader can manage up to $2 million across combined accounts.
How we scored it
It's number 29 out of 30 in our rankings. Here's how we got to 4.8:
This firm doesn't have a Trustpilot rating yet, so we scored it on profit split, price and trading freedom only.
What we love and what we don't
Pros
- The 24-hour Sprint challenge is something you rarely see
- Manage up to $2 million across accounts
- Holding over the weekend is OK
Cons
- No Trustpilot rating yet
- Only MetaTrader 5
- Gap trading isn't allowed
AIFO's programs
| 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% |
Regular prices without promo codes, checked on 14 November 2026. Firms update prices a lot, so please double-check on their site before you buy.
Your $100,000 options
| 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% |
What you're allowed to do
Restricted means you can do it, but with conditions, like no trades for a few minutes around big news. The firm's website has the fine print.
Platforms and getting paid
How AIFO stacks up
Questions traders ask us
How does the Sprint challenge work?
You get 24 hours from your first trade. Hit the target within that time and you can withdraw right away.
How often does AIFO pay out?
Every 14 days on funded 1- and 2-Step accounts, and on request on instant accounts once the target is met. The minimum is $100.
How much will a AIFO 100K challenge cost me?
The cheapest AIFO 100K challenge that pays at least 80% is 2-Step Core (2-step), at $449.
Can I join AIFO from the Philippines?
Yes, you can. The Philippines isn't on AIFO's restricted-country list. These lists do change, so give the terms a quick check when you sign up.