Instant Funding
Instant Funding (operated by Acello Ltd in the UK and IF Pro Ltd in Saint Lucia) is a no-evaluation prop firm offering Instant Funding (smart drawdown), IF Micro, IF1 (24-hour account), One-Phase, One-Phase Micro, Two-Phase, and Two-Phase Max programs. The flagship Instant Funding account has no profit target; traders lock the smart drawdown after reaching 5% profit, with drawdown starting at −10% and tightening to −5%. Other programs follow one-phase or two-phase evaluations with profit targets between 8%–10% and fixed daily and overall drawdowns. Profit splits start at 80% and can reach 95% with add-ons. Payouts begin after 14 days (or 24 hours for IF1), with weekly or bi-weekly cycles depending on the plan. Instant Funding supports flexible trading, multiple accounts, and large combined allocations.
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Program Type & Scaling
• Instant Funding (Smart Drawdown)
• IF Micro
• IF1 (24-Hour Account)
• One-Phase Challenge
• One-Phase Micro
• Two-Phase Challenge
• Two-Phase Max Variant
Scaling Plan
Instant Funding uses two scaling models. Smart scaling doubles the account every time 10% profit is achieved, up to $1.28M per account. Static scaling increases funded accounts by 25% every 90 days after reaching 10% profit, up to 200% of the initial balance. Combined allocations across programs can reach $3.84M.
Daily Loss Limit
2
Maximum Overall Loss
10
Drawdown Model
Smart drawdown (Instant Funding) and static drawdown (evaluation accounts)
Leverage
| Forex | 100 |
| Crypto | 2 |
Broker
Acello Ltd / IF Pro Ltd
Commissions
Raw-spread accounts charge approx. $5/lot (FX & metals), $2/lot (indices & commodities), and $1/lot (crypto). Commission-free accounts are also available.
Tradable Assets
Forex, Commodities, Metals, Indices, Cryptocurrencies
News & Event Trading
Allowed during evaluation; funded accounts require add-on to trade major news events.
Payouts & Profit Split
| Profit Split Start (%) | 80% |
| Minimum Payout Amount | $25 |
| Payout Frequency | Weekly or Bi-Weekly |
| Payout Methods | Bank Transfer, Crypto (USDT TRC20/ERC20/BEP20, BTC) |
| Payment Methods | Credit/Debit Card, Apple Pay, Google Pay, PayPal, Crypto |
Evaluation & Account Rules
| Challenges | Instant Funding offers direct funded accounts with no profit target as well as traditional one-phase and two-phase evaluation challenges with profit targets ranging from 8% to 10%, daily loss limits between 2%–5%, and overall drawdowns between 4%–10%. |
Trading Permissions
| Weekend Trades | Overnight trades allowed; weekend holding requires add-on on funded accounts. |
| Copy Trading | Allowed only between accounts owned by the same trader. |
| EA Allowed | EAs allowed if non-abusive and non-latency based. |
| Prohibited Strategies | Grid trading, latency arbitrage, reverse arbitrage, tick scalping, group account management, and system exploitation are prohibited. |
Other Details
| Refund Policy (Code) | Challenge fees are refundable after successful completion and payout. Instant Funding access fees are non-refundable once activated. |
| 3 Percent Rule (Notes) | No fixed 3% rule. Risk per trade idea must not exceed 50% of the daily drawdown limit. |
| Consistency Rule (Notes) |
|
| Indices Leverage Max | 20 |
| Metals Leverage Max | 20 |
| Days to First Payout | 14 |
| Payout Processing Time (Days) | 2 |
| Account Merge Allowed | No |
| Max Accounts per Trader | Accounts cannot be merged; multiple accounts allowed within allocation caps. |
| KYC Required | No |
| KYC Stage | KYC required before first payout. |
| Restricted Countries | Afghanistan, Belarus, Central African Republic, Cuba, Democratic Republic of the Congo, Eritrea, Guinea-Bissau, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Yemen, Zimbabwe |
| Scaling Plan Availability | No |
| Other Risk Rules |
|
| Spread Quality | Raw institutional spreads; may widen during volatility. |
| Slippage Policy | Simulated execution; slippage and gap risk apply during volatile conditions. |
| Martingale Allowed | No |
| Lot Size Limits | Lot limits apply by asset class and account size (e.g., indices capped at ~10 lots on $50K accounts). |
How does it stack up?
Compare Instant Funding against other top rated firms.
Frequently Asked Questions
How does Instant Funding handle different trading styles such as automated trading, news trading, and copy trading?
EAs allowed if non-abusive and non-latency based.
Is News Trading allowed at Instant Funding?
Allowed during evaluation; funded accounts require add-on to trade major news events.
Can Instant Funding traders hold Weekend Trades?
Overnight trades allowed; weekend holding requires add-on on funded accounts.
Is Copy Trading allowed at Instant Funding?
Allowed only between accounts owned by the same trader.
What are some main Prohibited Strategies at Instant Funding?
Grid trading, latency arbitrage, reverse arbitrage, tick scalping, group account management, and system exploitation are prohibited.
The complete list of permitted and restricted trading strategies, including EA policies and news trading rules, is on Instant Funding official website.
Does Instant Funding support refunds, and what payment methods are available?
Challenge fees are refundable after successful completion and payout. Instant Funding access fees are non-refundable once activated.
Accepted payment methods, refund eligibility criteria, and processing times are detailed on Instant Funding official website.
What is the payout process at Instant Funding, including withdrawal minimums and processing duration?
Days to First Payout: 14:
Payout Processing Time (Days): 2
Payout Frequency: Weekly or Bi-Weekly
Payout Methods:Bank Transfer, Crypto (USDT TRC20/ERC20/BEP20, BTC)
More information on withdrawal minimums, processing duration, and payout schedules is on Instant Funding official website.
What is the top profit split rate at Instant Funding for funded traders?
For details on profit split tiers, scaling bonuses, and payout conditions, see Instant Funding official website.
What markets does Instant Funding allow traders to trade across?
Forex, Commodities, Metals, Indices, Cryptocurrencies
Leverage by asset class:
Forex: 100
Indices: 20
Metals:
Crypto: 2
The full list of tradable instruments with real-time availability is on Instant Funding official website.
What leverage levels apply at Instant Funding for different asset classes like forex, indices, metals, and crypto?
FX pairs: Maximum leverage of 100
Indices: Maximum leverage of 20
Metals: Maximum leverage of
Crypto assets: Maximum leverage of 2
Check asset-specific leverage and margin rules at Instant Funding official website.
Which trading platforms does Instant Funding primarily support, and what broker handles execution?
For platform comparison, system requirements, and installation steps, visit Instant Funding official website.
How transparent are Instant Funding’s spreads, commissions, and slippage rules?
Raw institutional spreads; may widen during volatility.
Simulated execution; slippage and gap risk apply during volatile conditions.
Raw-spread accounts charge approx. $5/lot (FX & metals), $2/lot (indices & commodities), and $1/lot (crypto). Commission-free accounts are also available.
Live spread data, commission schedules, and execution statistics are published on Instant Funding official website.
What limitations does Instant Funding place on trading strategies, martingale methods, and lot sizing?
No
Prohibited Strategies
Grid trading, latency arbitrage, reverse arbitrage, tick scalping, group account management, and system exploitation are prohibited.
Lot Size Limits:
Lot limits apply by asset class and account size (e.g., indices capped at ~10 lots on $50K accounts).
The complete list of allowed and prohibited trading strategies is available on Instant Funding official website.
Is the drawdown at Instant Funding static, trailing, or equity-based?
For detailed drawdown calculations, reset rules, and worked examples, see Instant Funding official website.
Are there specific consistency or percentage-based rules at Instant Funding?
No fixed 3% rule. Risk per trade idea must not exceed 50% of the daily drawdown limit.
- No minimum trading days for Instant Funding
- 3–5 trading days required for evaluation programs
- Best trading day must not exceed 50% of total profit during evaluation and 30% when funded
- Over-leveraging and excessive risk per trade is prohibited
- News trading requires add-on on funded accounts
- Hedging across accounts is prohibited
- External copy trading is forbidden
The full risk management rulebook including daily loss calculations and consistency requirements is on Instant Funding official website.
Does Instant Funding offer different program or evaluation models?
• Instant Funding (Smart Drawdown)
• IF Micro
• IF1 (24-Hour Account)
• One-Phase Challenge
• One-Phase Micro
• Two-Phase Challenge
• Two-Phase Max Variant
Compare program structures and find the right fit for your strategy at Instant Funding official website.
Can you explain the challenge model used by Instant Funding?
Instant Funding offers direct funded accounts with no profit target as well as traditional one-phase and two-phase evaluation challenges with profit targets ranging from 8% to 10%, daily loss limits between 2%–5%, and overall drawdowns between 4%–10%.
Full challenge rules, profit targets, and time limits are detailed on Instant Funding official website.
How large can a funded account be at Instant Funding, and is there a scaling plan in place?
Scaling plan availability: No
Instant Funding uses two scaling models. Smart scaling doubles the account every time 10% profit is achieved, up to $1.28M per account. Static scaling increases funded accounts by 25% every 90 days after reaching 10% profit, up to 200% of the initial balance. Combined allocations across programs can reach $3.84M.
Check the latest funding tiers and scaling requirements on Instant Funding official website.
How many Trustpilot reviews does Instant Funding have, and what is its rating?
For the latest customer feedback and response times, check Instant Funding official website.
What are Instant Funding's available program types?
• IF Micro
• IF1 (24-Hour Account)
• One-Phase Challenge
• One-Phase Micro
• Two-Phase Challenge
• Two-Phase Max Variant
For a side-by-side comparison of all evaluation programs, visit Instant Funding official website.
How are account limits structured at Instant Funding, including multi-account policies and lot size limits?
Accounts cannot be merged; multiple accounts allowed within allocation caps.
Is Account Merge Allowed at Instant Funding?
No
What are Lot Size Limits at Instant Funding?
Lot limits apply by asset class and account size (e.g., indices capped at ~10 lots on $50K accounts).
For the latest account limits, merging rules, and scaling options, see Instant Funding official website.
At what point does Instant Funding require KYC, and is identity verification mandatory?
No
At what stage traders must go through identity verification at Instant Funding?
KYC required before first payout.
Full details on the identity verification process and required documents are available on Instant Funding official website.
What nationality or country restrictions apply at Instant Funding?
Afghanistan, Belarus, Central African Republic, Cuba, Democratic Republic of the Congo, Eritrea, Guinea-Bissau, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Yemen, Zimbabwe
For the most current list of accepted and restricted countries, check Instant Funding official website as eligibility can change based on regulatory updates.
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