FXIFY review 2026: prices, rules and payouts
We assessed FXIFY with the same data as every other firm: published prices, published rules and customer ratings. Result: a score of 7.3, rank 2 of 31.
Overview
FXIFY has one of the widest ranges of programmes we track: a 1-Phase, three 2-Phase variants, a 3-Phase, Lightning and instant funding. Account sizes run from $5,000 to $400,000, and you trade on MT5, DXtrade or TradingView.
The score in detail
Rank 2 of 31 in the overall scores. Here is how the 7.3 breaks down:
Pros and cons
Pros
- Huge choice of programmes and account sizes
- One-Phase fee refunded in full
- MT5, DXtrade and TradingView
- Hedging and martingale allowed
Cons
- Leverage capped at 1:30
- Consistency rule on some programmes (25–30%)
FXIFY programmes
| Programme | 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% |
List prices without discount codes, checked on 13 November 2026. Firms change prices often, so confirm on their website before you buy.
Challenges for a $100,000 account
| Programme | 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's allowed?
Restricted = allowed with conditions (for example, no trading a few minutes either side of major news). Full details are on the firm's website.
Platforms and payments
FXIFY compared
Frequently asked questions
Is FXIFY legitimate?
FXIFY has been operating since 2022 and has built a good reputation with its broad line-up.
What profit split does FXIFY pay?
80% as standard, up to 90% with an add-on.
Which FXIFY programme is cheapest?
Usually the 3-Phase: a 100K account costs about $399.
How much is the FXIFY 100K challenge?
The cheapest FXIFY 100K challenge with at least an 80% split is Lightning (1-step) at $399.
Does FXIFY accept UK traders?
Yes. The United Kingdom is not on FXIFY's list of restricted countries. Check the terms when you sign up, as these lists change.