FXIFY review 2026: honest look at fees, rules and payouts
We looked at FXIFY the same way we look at every firm: its published prices, its published rules and what customers say. It earns 7.3 and lands at 1 of 30.
At a glance
FXIFY in a nutshell
- Best for
- Traders who want a firm traders rate highly (4.3 on Trustpilot)
- Price for 100K
- $399 (Lightning)
- Payout schedule
- First after 7 days, then every 14 days
- Watch out for
- Leverage only goes up to 1:30
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.
How we scored it
It's number 1 out of 30 in our rankings. Here's how we got to 7.3:
What we love and what we don't
Pros
- So many programs and sizes to pick from
- The 1-Phase fee comes back to you in full
- Trade on MT5, DXtrade or TradingView
- Hedging and martingale are fine
Cons
- Leverage only goes up to 1:30
- Some programs have a 25–30% consistency rule
FXIFY's programs
| 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% |
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 |
|---|---|---|---|---|---|
| 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% |
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 FXIFY stacks up
Questions traders ask us
Is FXIFY legit?
Yes. It's been operating since 2022 and has built a good name with its wide range.
How much profit do I keep?
80% normally, or 90% if you add the upgrade.
Which FXIFY program is cheapest?
Usually the 3-Phase, at around $399 for a 100K account.
How much will a FXIFY 100K challenge cost me?
The cheapest FXIFY 100K challenge that pays at least 80% is Lightning (1-step), at $399.
Can I join FXIFY from the Philippines?
Yes, you can. The Philippines isn't on FXIFY's restricted-country list. These lists do change, so give the terms a quick check when you sign up.