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Instant Funding

UK (company 12696083, London); Saint Lucia (IF Pro Ltd) · instantfunding.com · checked 2026-10-23

🧮 CalculatorsVisit Instant Funding ↗
29Fine-print score3 docs read · Full coverage
VPN banMin hold timeNews limitsGag clausePayout cap

🏢 Same company

Instant Funding is run by Acello Ltd (England & Wales, company no. 12696083), the same company that runs Funded Trading Plus. Different websites, rulebooks and product ranges, so they are separate brands run by one company.

Evidence
  • “Acello Ltd (with a trading name of Funded Trading Plus), a company incorporated in England and Wales with company number 12696083” · source ↗
  • “Acello Ltd (with a trading name of Instant Funding), a company incorporated in England and Wales with company number 12696083 and registered offices at: 30 Old Bailey, London, EC4M 7AU” · source ↗
  • “IF Pro Ltd, a company incorporated in Saint Lucia ... Acello Ltd is the payment agent for IF Pro Ltd.” · source ↗

Discount codes

Last checked 2026-10-24 · All deals

Codes can change, so check at checkout. We only list codes the firm shows on its own site, never codes from coupon sites. Not financial advice: a cheaper challenge isn't a reason to buy one.

30% OFFIF30

Applies to: Pro and Lite. Not valid on Evolve. No minimum spend. · Expires: Not published

“30% OFF PRO & LITE Use code IF30 No minimum spend. Not valid on Evolve”

Source: https://instantfunding.com ↗ · Last checked 2026-10-24

⚑ Which of our listed plans count as 'Pro' isn't spelled out. We apply it to plans with 'Pro' in the name.

See prices after code (22 plans)

‘Site price’ means the price shown on the firm's site. We can't tell if it's already discounted.

PlanSizeOur checked priceAfter codeBased on
Instant Funding Pro (formerly Smart)$625$44$30.80site price
Instant Funding Pro (formerly Smart)$1,250$84$58.80site price
Instant Funding Pro (formerly Smart)$2,500$129$90.30site price
Instant Funding Pro (formerly Smart)$5,000$239$167.30site price
Instant Funding Pro (formerly Smart)$10,000$459$321.30site price
Instant Funding Pro (formerly Smart)$20,000$899$629.30site price
Instant Funding Pro (formerly Smart)$40,000$1,849$1,294.30site price
Instant Funding Pro (formerly Smart)$80,000$3,699$2,589.30site price
Instant Funding Pro (formerly Smart)$120,000$5,499$3,849.30site price
One-Phase Pro$5,000$44$30.80site price
One-Phase Pro$10,000$127$88.90site price
One-Phase Pro$25,000$205$143.50site price
One-Phase Pro$50,000$424$296.80site price
One-Phase Pro$100,000$746$522.20site price
One-Phase Pro$200,000$1,379$965.30site price
IF Micro Pro$5,000$53$37.10site price
IF Micro Pro$10,000$109$76.30site price
IF Micro Pro$25,000$234$163.80site price
IF Micro Pro$50,000$439$307.30site price
IF Micro Pro$100,000$813$569.10site price
IF Micro Pro$200,000$1,199$839.30site price
IF Micro Pro$300,000$1,659$1,161.30site price

Our maths: checked price × (1 − discount), rounded to the cent. The firm may round differently, and taxes or add-ons aren't included.

40% OFFLITE40

Applies to: IF Micro Lite accounts up to $25K (we don't list IF Micro Lite prices) · Expires: Not published

“40% off every IF Micro Lite account up to $25K. Use code LITE40 at checkout.”

Source: https://instantfunding.com ↗ · Last checked 2026-10-24

We can't work out a price after the code: we don't have checked prices for the plans it covers.

Plans

Every value links to its source. Not published by firm means the firm doesn't publish it. Not verified yet means we haven't found it yet. ⚠ Not confirmed means we have a value but could not find it on the firm's live pages on 24 Oct 2026.

From$44
TargetNone (instant funded)
Daily DDnot found in published rules on Pro page
Max DDSmart drawdown: 10% of starting balance,
Split80% standard (90% available via add-on /

💱 USD; displayed prices from site product data (no struck-through promo except where noted). Max-lot table applies; risk per trade idea 3% of start balance (hard breach). Many other products exist (Lite, Clarity, Evolve, Futures-style large sizes).

Sizes & prices
$625 $44 shown$1,250 $84 shown$2,500 $129 shown$5,000 $239 shown$10,000 $459 shown$20,000 $899 shown$40,000 $1,849 shown$80,000 $3,699 shown$120,000 $5,499 shown
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Profit target
None (instant funded)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Daily drawdown
Not published by firm not found in published rules on Pro page (smart max-loss only)
source ↗checked 2026-10-23
Max drawdown
Smart drawdown: 10% of starting balance, tightening to 5% once +5% profit locked in (hybrid)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Consistency rule
Not published by firm not found in published rules on Pro page; payout needs all trades closed and smart drawdown locked in
source ↗checked 2026-10-23
Min trading days
none
source ↗checked 2026-10-24✓ matched live page 24 Oct 2026
News trading
Without Major News add-on: trading restricted 4 min either side of major news; up to 2 warnings with net profit deductions for trades in the window, third violation = account breach. Add-on allows news trading.
source ↗checked 2026-10-24✓ matched live page 24 Oct 2026
Weekend / overnight
Overnight included; weekend holding needs Swing add-on (otherwise positions flattened/closed before Friday close)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
EAs
Public third-party EAs restricted; first-party EAs allowed; EA that jeopardises backend banned (GTC 7.1.12)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Copy trading
Copying between your own accounts (incl. other prop firms/brokers) allowed; copying accounts you don't own, group copying, reversing/collusion prohibited
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Leverage FX
Without Swing add-on 1:100 FX; with Swing 1:30
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Leverage gold
Metals 1:20 (1:8 with Swing); temporary 1:5 on funded accounts for metals/oil/indices per site notice
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Gold commission / spread
RAW-spread accounts: Metals $5/lot per side listed ('Metals: all instruments $5 per lot'); commission-free accounts no commission (spread markup not published)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Payout split
80% standard (90% available via add-on / after 3-month +10% review per FAQ)
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Payout frequency
First payout 14 days after first trade, then every 7 days; min $25
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026
Platforms
MetaTrader 5, cTrader, Match-Trader
source ↗checked 2026-10-23✓ matched live page 24 Oct 2026

Other IF programs (prices only): Prices (USD, displayed) from the site's embedded product configurator for further programs; rules for Lite/Clarity/Evolve/Micro variants only partly read (see FAQ links). Profit cap: IF Micro Clarity 200K first two payouts capped $4,000 each; Evolve max payout 50% of profit capped $2,000/request, max five payouts. Further large-size products (80K-4M sizes, prices $800-$86,500) exist in the configurator and were not mapped to names.

Hidden rules 16

Read clause by clause from the firm's legal documents. Grouped by what happens if you break the rule. Tap a rule to see the exact quote and clause.

Account breach 9

Trades held 60 seconds or less count as HFT, which is banned. A very high number of trades per hour can also be flagged.
“HFT involves holding trades for 60 seconds or less ... HFT is not permitted.”

Clause Trading Rules, HFT; Account Agreement 7.7 (HFT 60 seconds or less) · banned strategies · applies to: All accounts · source ↗

Risking or losing more than 50% of the starting daily drawdown on one trade idea is a hard breach. Re-entries within 10 minutes count as the same idea. Instant Funding accounts are capped at 3% of the starting balance, IF Micro/IF1 at 1%.
“Risking or losing more than 50% of the account’s starting daily drawdown at any time in one trade idea is considered gambling, and constitutes a hard breach ... For Instant Funding accounts, the limit is set at 3% of your starting account balance”

Clause Trading Rules, Maximum Risk Per Trade Idea · risk per trade stop loss · applies to: Funded accounts · source ↗

Exceeding the plan's total lot cap (e.g. 40 lots of FX on $100k), summed across open positions, is overleveraging.
“on a $100,000 One/Two Phase challenge account, the maximum lot size for currency pairs is 40 lots. Exceeding this limit—such as opening 20 lots on EURUSD and 20.5 lots on GBPUSD (totaling 40.5 lots)—constitutes overleveraging”

Clause Trading Rules, Overleveraging · lot position caps · applies to: All accounts · source ↗

Trading from a VPS, a VPN or a shared IP is not tolerated. The account can be terminated with no refund.
“We do not tolerate trading from Servers, VPS, under a VPN or similar strategies, this included sharing IP(s) between multiple users ... terminated will not be able to access refunds”

Clause General Terms 7.1.13-7.1.14 · ip vpn device · applies to: All · source ↗

Prohibited practices: grid, tick scalping, latency/reverse arbitrage, gap trading, statistical arbitrage, one-sided bets, account churning and system exploits.
“GROUP HEDGEING, ... HFT (HIGH FREQUENCY TRADING, 60 SECONDS OR LESS), TICK SCALPING, MARTINGALE, COPYING BETWEEN INTERNAL ACCOUNTS, REVERSING BETWEEN FIRMS/ACCOUNTS, GRID TRADING, THIRD PARTY EAS, STATISTICAL ARBITRAGE, GAMBLING/OVER-LEVERAGING, ARBITRAGE”

Clause Account Agreement 7.7 · banned strategies · applies to: All · source ↗

Martingale (doubling after losses) is allowed on challenges and Micro/IF1, but not on Instant Funding accounts.
“Martingale trading is allowed for all challenges, Instant Funding Micro and IF1 accounts. For Instant Funding accounts, traders can add to losing positions but must avoid continuously doubling lot sizes after losses.”

Clause Trading Rules, Martingale · banned strategies · applies to: Instant Funding accounts · plans: Instant Funding Pro (formerly Smart) · source ↗

Public third-party EAs are restricted, and copying from accounts that aren't yours (same signals or account managers) is banned. Copying between your own accounts is allowed.
“This policy prohibits copying trades from accounts that do not belong to the trader ... The use of public third-party EAs is restricted.”

Clause Trading Rules, Copy Trading / EAs · copy trading account sharing · applies to: All · source ↗

Reverse trading or group hedging across accounts or traders is banned.
“Reverse trading involves taking opposite positions on the same asset using multiple accounts, effectively eliminating personal risk.”

Clause Trading Rules, Reverse Trading and Group Hedging · banned strategies · applies to: All · source ↗

Inactivity breach after 60 days (subject to change).
“BREACH BY INACTIVITY (60 DAYS, SUBJECT TO CHANGE)”

Clause Account Agreement 7.7 · inactivity · applies to: All · source ↗

Profit voided 3

Funded accounts can't open or close trades within 4 minutes either side of major news. Profits can be adjusted and the account reset. This doesn't apply to challenge phases, Micro/IF1 products or the news add-on.
“Trades executed within 4 minutes before or after a major news event are restricted ... Profits from such trades may be adjusted, and accounts reset if necessary.”

Clause Trading Rules, Major News Trading · banned strategies · applies to: Funded accounts (not challenge phases, Micro/IF1/Crypto or the news add-on) · plans: Instant Funding Pro (formerly Smart), One-Phase Pro, Two-Phase · source ↗

If you use a prohibited practice, Instant Funding can strip the offending trades from your results (so profits don't count), terminate everything, or cut your account size.
“We may remove the Transactions in violation of the prohibition from the Traders trading history and/or not include their results in the rewards ... or (iii) immediately terminate all Services”

Clause General Terms 11.2; Account Agreement 7.14.4 · deny void change rules · applies to: All · source ↗

A daily-loss breach normally forfeits the reward. Only your first one ever (per customer) still pays 50%.
“the customer is entitled to 50% of the Reward after the account has been breached as a result of the Daily Loss. Please note that this allowance is granted per Customer and not per each INSTANT FUNDING Account.”

Clause Account Agreement 16.3 · payout daily profit caps · applies to: Funded accounts · source ↗

Info 4

Tiny 'day padding' trades just to meet minimum days are not permitted.
“Opening negligible or artificial trades solely to meet this requirement is not permitted.”

Clause Trading Rules, Improper Day Padding · consistency gambling · applies to: Accounts with minimum trading days · source ↗

Total allocation is capped at $1,000,000 across all accounts, based on starting balance.
“There’s a combined cap of $1,000,000 across all account types and challenge types, based on starting balance only.”

Clause Trading Rules, Allocation cap · lot position caps · applies to: All · source ↗

Payout fees: 0.5% commission on some methods, or a flat $5 deducted from the payout.
“will charge 0.5% commission which will be deducted from the ... flat-fee of $5 will be charged and deducted from the payout amount.”

Clause General Terms s.8 · payout daily profit caps · applies to: Payouts · source ↗

Instant Funding may update its trading rules and prohibited practices from time to time.
“We may from time-to-time update our Trading Rules and Prohibited Practices”

Clause General Terms 11.5 · deny void change rules · applies to: All · source ↗

Legal documents read: Instant Funding General Terms (PDF) · Instant Funding Account Agreement (PDF) · Instant Funding Trading Rules

Firm-reported payouts

⚠ Reported by the firm, not independently verified. These are the firm's own claims, copied from its website, press releases and official X account. We haven't checked them. Words like "verified" inside a quote are the firm's, not ours.

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Not published by firm

We looked for these and the firm doesn't publish them, or only gives them on request or inside the platform.

Rule change history

No changes logged yet. Tracking started 23 Oct 2026. Change log · 🔔 Follow Instant Funding for alerts