How can traders pay for accounts at FXIFY, and are refunds available?

💡 Answer

Payment Methods: Credit/Debit Card, Crypto

Refund Policy

FXIFY advertises a 100% refund on evaluation purchases under its refund policy marketing (commonly applied as a fee refund upon meeting the firm's payout/refund conditions in the funded stage). Traders should confirm the exact eligibility conditions in the checkout/terms applicable to their selected program and add-ons.

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FXIFY vs Blueberry Funded vs The 5%ers - Prop Firm Comparison (March 2026)

Side-by-side comparison of FXIFY vs Blueberry Funded vs The 5%ers. Quickly scan maximum funding, profit splits, risk rules, leverage, platforms, instruments, payout schedules, payment options, trading permissions and KYC restrictions to narrow down your prop trading firm shortlist. Data updated March 2026.

FXIFY vs Blueberry Funded vs The 5%ers - Prop Firm Comparison (March 2026)
FXIFY
FXIFY is a broker-backed prop firm (FXIFY Markets Ltd, licensed in Labuan, Malaysia) offering One Phase, Two Phase and Three Phase evaluations, an Instant Funding path, and a 7-day Lightning Challenge, with up to 90% performance splits, on-demand payouts on...
Blueberry Funded
Blueberry Funded is a broker-backed prop firm powered by Blueberry Markets, offering 1-step, 2-step, Rapid, Synthetic and Instant funding programs on MT4, MT5, DXtrade and TradeLocker, with raw-style pricing, strict but transparent risk rules and scaling potential toward $2,000,000 in...
The 5%ers
The 5%ers is an established prop firm offering Bootcamp, High Stakes, and Hyper Growth programs, combining structured evaluations, strong education and community, scaling up to $4M, and profit splits that can reach 100%, with varied rule sets and limited spread...
Overview
Trustpilot Rating 4.4 0 4.8
Trustpilot Reviews 5,320 0 21,364
Headquarters Malaysia St. Vincent and the Grenadines ISRAEL
Age (Years) N/A N/A N/A
Max Funding $4,000,000 $2,000,000 $4,000,000
Profit Split Start 80% 80% 50%
Profit Split Max 90% 80% 100%
Platforms MT4 MT5 DXtrade MT4 DXtrade TradeLocker MT5 cTrader Match-Trader
Assets FX Metals Indices Commodities Stocks Crypto Crypto Energies Forex Indices Metals Synthetic Indices FX Metals Indices Energy Crypto
Leverage
FX Leverage 50 50 100
Metals Leverage 50 10 25
Crypto Leverage 1 2 2
Risk & Drawdown Rules
Max Daily Loss Maximum Daily LossFXIFY's daily drawdown limits are program-specific. FXIFY provides examples showing One Phase uses a 3% daily drawdown, while Two Phase uses a 4% daily drawdown. Daily drawdown is monitored alongside max drawdown thresholds, and traders should plan withdrawals and risk so that intraday equity does not breach the daily limit. Maximum Daily LossDaily loss limits vary by program but are always defined as a percentage of the end-of-day reference value (higher of balance or equity at 5 p.m. EST).1-Step: ~4% daily loss.2-Step / Prime 2-Step: ~5% daily loss.Rapid: 3% daily loss.Instant Lite: 2% daily loss.Instant Elite: primarily governed by a 10% total loss limit rather than a fixed daily cap.Breaching the daily loss limit at any point in the session is treated as a hard rule violation. Maximum Daily LossDaily loss limits at The 5%ers focus on controlling intraday risk, especially within the High Stakes and Bootcamp structures.High Stakes: Daily drawdown limit of 5%, typically calculated from the previous day's closing balance, including both closed and floating PnL.Bootcamp: While the program emphasises a 5% max loss per stage rather than a separate daily cap, traders must still stay comfortably within this limit to avoid breaching.Hyper Growth: Uses a 6% overall loss cap with no separate published daily...
Max Total Loss Maximum Overall LossFXIFY provides examples showing One Phase accounts use a 6% max drawdown and Two Phase accounts use a 10% max drawdown. For Three Phase, FXIFY describes a static drawdown option where max drawdown is set at 5% and remains static for the life of the account. Maximum Overall LossMaximum total drawdown at Blueberry Funded is static on most programs:1-Step: 6% max total loss from the starting balance.2-Step / Prime 2-Step / Synthetic: 10% max total loss.Rapid: 4% max total loss on evaluation (and typically 6% funded).Instant Lite: 4% max total loss.Instant Elite: 10% max total loss.If equity falls below the allowed loss floor at any time, the account is considered breached and closed. Maximum Overall LossThe 5%ers defines maximum overall loss per program to cap total drawdown across each phase or funded account.Bootcamp: 5% max loss at each evaluation step and 4% max loss once funded, measured from the starting balance of the stage.High Stakes: 10% maximum overall loss for each evaluation phase and funded account, with 5% daily drawdown included.Hyper Growth: 6% maximum overall loss throughout the evaluation and funded stages, with positions allowed to be held overnight and over weekends.Breaching the...
Drawdown Type Drawdown ModelFXIFY supports both trailing-style drawdown mechanics and an optional static drawdown mode (notably for 2-Phase and 3-Phase). FXIFY also explains that on 1- and 2-Phase accounts, when a withdrawal is requested, the max drawdown “locks” at the starting balance, meaning profit withdrawals reduce the buffer created by gains and can increase breach risk if no buffer remains. Drawdown ModelMost Blueberry Funded accounts use a static drawdown model for lifetime loss, with the maximum loss defined as a fixed percentage of the starting balance and a balance/equity snapshot used each day for daily loss.The Rapid and some instant styles effectively act like a trailing drawdown within their short evaluation windows, where the permitted loss tracks equity highs more closely and encourages faster profit protection. Drawdown ModelThe 5%ers uses fixed percentage loss limits rather than trailing equity models. Each program specifies a static maximum loss relative to the starting balance of the phase or funded stage (e.g., 5% or 10% for Bootcamp and High Stakes, 6% for Hyper Growth).Static Limits: Maximum loss is typically defined as a fixed percentage of the starting balance, and includes both closed and floating losses.Program-Specific Caps: Bootcamp and Hyper Growth are structured around relatively conservative overall loss thresholds (4–6%), while...
Payouts
Payout Frequency Payout FrequencyInstant Funding: FXIFY states Instant Funding accounts offer payouts every 14 days. Evaluation programs (1-Phase, 2-Phase, 3-Phase): FXIFY states the first payout is instant and on demand, processed right after the trader's first live trade in the funded account. Payout FrequencyFunded accounts at Blueberry Funded typically pay out every 14 days. Some account types and add-ons may allow a 7-day cycle once initial conditions are met, but bi-weekly payouts are the standard.Payout eligibility usually requires at least 3 distinct trading days with closed profit and a funded account that finishes the cycle in net profit of at least $100 after the profit split. Payout FrequencyThe 5%ers provides regular and scalable payout options across its programs.Payouts are generally available on a bi-weekly basis once funded.The minimum withdrawal amount is $150 after the profit split has been applied.Profit splits start around 50% on Bootcamp and 80% on High Stakes and can scale up to 100% as traders progress through the scaling plan.Profits can be left in the account to increase the effective drawdown buffer and support larger position sizes.At higher High Stakes and Bootcamp tiers,...
Days to First Payout 0 14 14
Payout Processing Time 0 Payout ProcessingOnce a payout request is approved, Blueberry Funded processes withdrawals using a mix of direct crypto transfers and RiseWorks-managed payments. Crypto payouts are usually completed fastest, while larger sums via RiseWorks may take a few extra days due to banking and compliance checks.Average processing time is around 1–4 business days, after which arrival depends on the chosen method and the receiving bank or wallet. Payout ProcessingThe 5%ers typically processes profit withdrawals on a bi-weekly cycle, with payments sent after approval via Rise, The5ers Visa Card, bank transfer, or cryptocurrencies. Processing times are designed to be prompt, with most payouts completed within a few business days depending on the chosen method and any required compliance checks.
Payout Methods Crypto Bank Transfer Crypto (USDC/USDT) RiseWorks Broker Profit Transfer (Blueberry Markets) Bank Transfer Crypto Rise Platform The5ers Visa Card
Payments
Payment Methods Credit/Debit Card Crypto Credit/Debit Card Crypto GCash IMPS NGN Bank Transfer UPI Apple Pay Bank Transfer Credit/Debit Card Crypto Google Pay PayPal
Trading Permissions
News Trading News trading rules are defined by FXIFY program terms and platform rules; traders should follow FXIFY's compliance guidance and avoid any prohibited behavior, especially around extreme volatility where drawdown breaches can occur quickly. Blueberry Funded enforces strict high-impact news restrictions. Traders must not open or close trades within a short window (commonly 2–10 minutes) before or after red-folder news. This includes take-profit closures as well as new orders.A stop-loss exception usually applies for trades opened several hours earlier – if a pre-set stop-loss is hit during the news window, that closure is generally allowed. News trading is allowed on most The 5%ers programs with important restrictions.Bootcamp and Hyper Growth: News trading is permitted, but placing bracket orders (pending orders around major news purely to capture spikes) is prohibited.High Stakes: Executing orders from 2 minutes before until 2 minutes after high-impact news is not allowed.These rules are intended to prevent abusive event-driven strategies while still allowing normal trading around news where permitted.
Weekend Trades FXIFY advertises the ability to hold positions over the weekend on supported programs/instruments, subject to market hours, symbol availability, and account objectives. Weekend and overnight holding is generally permitted. Traders may keep positions open across market close and reopen, and crypto markets can often be traded through the weekend, subject to platform hours. Some faster programs (e.g. Rapid) may impose additional weekend execution restrictions, but carrying positions is typically allowed. The 5%ers allows overnight and weekend holding on most instruments across Bootcamp, High Stakes, and Hyper Growth programs, subject to normal market hours and swap rates. Indices may carry higher swaps when held over weekends, and traders should monitor rollover costs carefully.
Copy Trading Copy trading is allowed between your own FXIFY accounts and from FXIFY accounts to other accounts. To copy from an external account into a FXIFY account, FXIFY requires submission of the master account statement in HTML format beforehand, and copying from a third party is prohibited. Copy trading is allowed only between your own Blueberry Funded accounts and via supported tools such as the Prop Firm One (PF1) integration. Copying from or to external personal accounts, signal services or other traders’ prop accounts is not permitted, nor is managing third-party money through a Blueberry Funded account. The 5%ers permits copy trading with clear limitations.Copy trading is allowed for High Stakes and Hyper Growth accounts under defined conditions.Once total managed capital exceeds about $500K, taking identical trades across multiple accounts is no longer allowed.Copying from an external account is only allowed if that account belongs to the same trader; third-party copy trading is not permitted.Copy trading is not allowed between two Bootcamp accounts.The firm also integrates with Prop Firm One, enabling traders to mirror their own strategies...
EA Allowed 1 Expert Advisors (EAs) and algorithmic trading bots are allowed on many accounts, provided they do not employ forbidden behaviours such as HFT, latency arbitrage, martingale, grid or hyper-scalping styles.EAs are expected to mirror how a prudent manual trader would behave under the same risk limits; systems that consistently push margins, daily loss or position stacking limits are likely to be flagged. Expert Advisors (EAs) are allowed at The 5%ers as long as they comply with the firm’s terms.EAs must place a stop-loss on every position.EAs must not copy trades from other people’s signals or third-party systems.Tick scalping, latency arbitrage, reverse arbitrage, hedge arbitrage, and emulator-based trading are not allowed.Any account found using EAs that violate these rules can be cancelled, banned, and not refunded across all programs, including Bootcamp and Hyper Growth.
KYC & Restrictions
KYC Required Yes Yes No
KYC Stage KYC is required as part of FXIFY's AML/KYC compliance process before traders can fully access withdrawals/performance fees. If a trader cannot pass KYC, FXIFY's policy explains this impacts their ability to proceed under the program's compliance requirements. As a broker-backed prop firm, Blueberry Funded must perform KYC/AML checks, especially before larger withdrawals via RiseWorks. Traders should be prepared to provide government-issued ID and, where requested, proof of address and source-of-funds information. Failure to pass KYC can lead to account closure and cancellation of pending payouts. The 5%ers requires standard KYC verification and account checks, particularly before funding accounts and processing withdrawals. Traders should expect to provide identification and relevant documentation in line with regulatory and payment-provider requirements.
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