FXIFY review 2026: is it worth it?
Same data, same formula as every other firm: published prices, published rules, customer ratings. FXIFY gets 7.3 and sits at 2 of 31.
In short
FXIFY has one of the biggest menus we track: 1-Phase, three 2-Phase versions, 3-Phase, Lightning and instant funding. $5,000 to $400,000. Trade on MT5, DXtrade or TradingView.
Pick a challenge
Score breakdown
Number 2 out of 31 in our table. The 7.3 breaks down like this:
The good and the bad
Pros
- Tons of programs and sizes
- 1-Phase fee fully refunded
- MT5, DXtrade, TradingView
- Hedging and martingale OK
Cons
- Leverage max 1:30
- 25–30% consistency rule on some programs
FXIFY programs
| 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% |
List prices, no promo codes, checked 14 November 2026. Firms change prices a lot. Check their site before you pay.
$100K accounts
| 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 you can and can't do
Restricted = allowed, but with conditions (say, no trades a few minutes either side of big news). The firm's site has the details.
Platforms and money
FXIFY vs the rest
Your questions, answered
Is FXIFY real?
Yes. Operating since 2022 with a good reputation.
FXIFY split?
80% standard, 90% with an add-on.
Cheapest FXIFY program?
Usually 3-Phase: about $399 for 100K.
How much is a FXIFY 100K challenge?
Cheapest FXIFY 100K with 80%+ split: Lightning (1-step), $399.
Does FXIFY take traders from Nigeria?
Yes. Nigeria isn't on FXIFY's banned-countries list. These lists do change, so check the terms when you sign up.