Fintokei review

Fintokei scores 98 out of 100 on our rule-fairness pillar, the best mark on its profile, and 72 on trust. A written rulebook that is very favourable to the trader, operated by a company about which a documented doubt remains: that is the tension to settle before reaching for your card.

Fintokei: a broker inside the parent company

Fintokei was launched in 2022 by its co-founder David Varga. The legal entity is Fintokei a.s., registered in Brno, Czech Republic, at Masarykova 409/26, under identification number 09110127. That level of precision is far from the norm on this segment: it lets you find the company in a public register rather than relying on an “About” page.

The firm belongs to the Czech group Purple Holding, created in 2007, which also owns the broker Purple Trading providing the execution infrastructure. That is the strongest point in its history: the counterparty does not outsource its execution to an external partner, and the structure behind it existed fifteen years before the brand. The original positioning was Asian — a 2022 launch on the Japanese market, a site translated into Japanese, Korean, Czech and Italian, dedicated country managers — which explains a lower profile in France than its age would suggest.

Four Fintokei plans built on the same drawdown

The offer has four routes and a single drawdown type: static in every case, calculated on the initial balance, with no switch to trailing once the account is funded.

StartTrader chains three phases, with targets of 2%, 3% then 6%. Daily loss capped at 3%, total drawdown of 6%, three minimum trading days, a 180-day deadline, a 40% consistency rule. Accounts from $5,000 to $100,000, at $44 to $419.

SwiftTrader comes in one phase: a 6% target, 2% daily loss, 3% total drawdown, 60 days. Accounts from $5,000 to $200,000, at $44 to $1,099.

ProTrader asks for 8% then 6% across two phases, with a 5% daily loss and 10% total drawdown. No time limit, no minimum number of trading days, no consistency rule. Accounts from $5,000 to $400,000, at $49 to $2,599.

ProTrader Swing takes exactly the same thresholds, caps at $200,000 and costs more: $679 for a $100,000 account against $549 on the standard ProTrader. What the premium buys — holding positions overnight, holding over the weekend — is not documented in our data, and it is the kind of gap to have clarified before paying.

Fintokei’s SwiftTrader: twice as much to win as to lose

The one-phase format attracts because it is short. Its numbers deserve to be set side by side: a 6% target against a 3% total drawdown. You have to produce twice as much gain as the total loss allowed. And with a daily limit set at 2%, a single bad session absorbs most of the 3% available.

A second parameter tightens the vice. Fintokei applies a maximum risk rule of 3% per position across all its programmes. On SwiftTrader, a single position sized at the maximum allowed therefore consumes, if it runs to its stop, the entire total drawdown. No room is left for a second mistake.

ProTrader, by contrast, offers 10% drawdown and 5% daily loss, with no clock. On a $100,000 account, the price comparison is $499 against $549. The more expensive format buys far more margin for error and removes the deadline: for a first attempt, the trade-off is not debatable.

StartTrader’s consistency rule at Fintokei

StartTrader shows the lowest prices from $20,000 up — $419 for a $100,000 account against $499 and $549 — and turns out to be the most restrictive. Three phases mean three chances to fail before the funded account, and the 180-day deadline runs across the whole route.

The 40% consistency rule requires that no single day produce more than 40% of the tier’s profit target. It therefore forbids passing a phase on one good session. A trader who catches a wide move in a day will have to spread their gains over several sessions, or see the pass refused even though the target balance has been reached. That constraint exists on neither SwiftTrader nor either ProTrader.

What Fintokei’s static drawdown changes once funded

The floor is set at the start and never rises. An account taken into profit then brought back down stays alive as long as the threshold calculated on the initial balance is not touched. At a firm with a trailing drawdown, the same path eliminates the trader: each new high lifts the floor, and the room shrinks as the account grows. Fintokei keeps static across all four programmes, including after the switch to funded. It is the most useful characteristic on the whole profile, and the reason for the 98 on rule fairness.

Fintokei payouts: the calendar is clear, the rest is not

The first withdrawal can be requested after 14 days, then every two weeks. An 80% profit split, advertised up to 100%, for a maximum allocation of $400,000. Our payouts pillar comes out at 77.

Two grey areas weigh on that score. No scaling plan is published: the firm advertises possible progression up to 100% without documenting the mechanism that leads there, so a trader cannot know before buying what performance takes them past the starting 80%. Payment methods are not published either. From France, that is information to obtain before paying, not after the first payout is approved.

On price, our score drops to 62. Entry at $44 for a $5,000 account is low, but neither a fee refund at the first payout nor a reset price appears in our data. Every failure must therefore be treated as a sunk cost, unlike firms that refund the entry fee at the first distribution.

The point that pulls trust in Fintokei down

Trustpilot shows 4.3 out of 5 across 1,320 reviews, 77% of them five stars. The distribution is solid for this sector. What is troubling is the nature of the negative reviews: they recurrently describe account closures occurring after a move into profit, justified by “internal parameters” or by article 37 of the terms and conditions.

That is what explains the 72 on the trust pillar against a rulebook scored 98. An excellent rulebook is only worth something if it is the whole contract. A discretionary clause allowing an account to be closed on unspecified grounds hollows out the legibility of everything else. The practical consequence is direct: read article 37 before paying, and take it that your real risk is not limited to the thresholds shown on the sales page.

The information Fintokei does not publish

Leverage, trading through announcements, Expert Advisors, copy trading, hedging, scalping, spread type, KYC requirement, minimum age: none of these rules appears in our data. The only known cost element is the absence of commission on oil and indices, the per-lot amount on forex not being verifiable on the official site. Our support and conditions pillars come out at 68 and 71, which reflects those gaps as much as the service itself.

The offer is limited to forex and CFDs on metals, energies and indices: no crypto, no equities. The platforms available are TradingView, MT5 and cTrader. Twenty countries are permanently excluded, including the United States, India, Russia, Belarus and Iran, and four temporarily: Vietnam, Pakistan, Bangladesh, China. France is not affected.

Fintokei: who it suits, and who it does not

Fintokei suits the discretionary trader on forex, metals or indices, who wants a static drawdown kept all the way to the funded account and, through ProTrader, no deadline and no consistency rule. It suits anyone working on TradingView or cTrader and aiming at an allocation that can rise to $400,000.

It suits poorly the crypto or equities trader, both absent from the catalogue. Poorly too the algo trader and the news trader, who cannot check whether their method is compatible before buying. And poorly, finally, anyone who requires a written scaling plan and a confirmed withdrawal method before committing several hundred dollars.

What to check at Fintokei before paying

Article 37 of the terms and the grounds for discretionary closure. The payment methods available from France. The mechanism for moving the profit split from 80 to 100%. The rules on leverage, EAs and news if your strategy depends on them. And what the Swing variant allows beyond the standard ProTrader to justify its premium. Our data was verified on 28 August 2026 with a high confidence level, but thresholds on this segment move fast.