Is FXIFY worth it? Review 2026: fees, rules, payouts
How did we rate FXIFY? With the same data as every other firm: published prices, published rules and customer ratings. The result: a score of 7.3, rank 2 of 29.
Key takeaways
- Scores 7.3/10, ranked 2 of 29 firms we compare
- 100K challenge from $399 (Lightning)
- Profit split up to 90%
- 4.3 out of 5 on Trustpilot
- A huge range of programs and sizes
- Leverage only up to 1:30
Who is it for?
Want lots of choice? FXIFY has one of the widest ranges we track: a 1-Phase, three 2-Phase versions, a 3-Phase, Lightning and instant funding, on accounts from $5,000 to $400,000. Platforms? MT5, DXtrade or TradingView.
Why this score?
Where does it rank? 2 of 29 in our ranking. And how is the 7.3 made up?
What's good and what isn't?
Pros
- A huge range of programs and sizes
- 1-Phase fee refunded in full
- MT5, DXtrade and TradingView
- Hedging and martingale: yes
Cons
- Leverage only up to 1:30
- Some programs have a 25–30% consistency rule
Which FXIFY programs are there?
| 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% |
Are these prices current? They're list prices without coupons, checked on 14 November 2026. Firms change prices often, so confirm on their site before paying.
What are the $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 are you allowed to do?
What does restricted mean? Allowed, but with conditions, such as no trades for a few minutes around big news. The firm's website has the details.
Which platforms, and how do you get paid?
How does FXIFY compare?
Got questions?
Is FXIFY safe to use?
FXIFY has operated since 2022 and has a good reputation for its broad line-up.
What split will I get?
80% as standard, 90% with an add-on.
Which FXIFY program costs least?
Usually the 3-Phase, at about $399 for 100K.
How much is the FXIFY 100K challenge?
The cheapest FXIFY 100K challenge paying at least 80% is Lightning (1-step), for $399.
Can traders from Indonesia join FXIFY?
Yes. Indonesia isn't on FXIFY's list of restricted countries. Could that change? It can, so check the terms when you sign up.