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FXIFY
Prop Firm

⭐ 4.9 (3,621 traders)

Coupon Code
FXFB10

4.9

Overall Rating
Platforms

cTrader, Match Trader, MetaTrader 5 (MT5) MetaTrader 4 (MT4)

Payments

USDT, Pix, Credit/Debit Card, PayPal, Bank Transfer, Crypto, Tether

Broker

N/A

FXIFY Prop Firm Review 2026 Rules, Pricing, Payouts, and Trust Checks

Choosing a prop firm isn’t just about the biggest account size, it’s about rules, payouts, and whether the setup matches how you trade. This FXIFY prop firm review breaks down what matters before you pay for an evaluation.

FXIFY is a retail proprietary trading firm founded in 2023 and based in the UK. It offers multiple challenge paths (including 1-phase, 2-phase, 3-phase, Instant Funding, and Lightning), funded accounts that commonly range from $10,000 up to $400,000, and a scaling plan that can grow capital much higher over time. Traders also get access to popular platforms like MT4, MT5, DXTrade, and TradingView, plus a broad market list that includes forex, indices, metals, and crypto (availability depends on the account).

In this review, you’ll see a clear look at FXIFY’s rules (drawdowns, profit targets, and style limits), pricing, trading conditions (spreads, commissions, execution setup), payout options and timing, and trust checks like public feedback and the firm’s track record claims.

This is written for experienced traders only. Prop firms aren’t the same as regulated brokers, so weigh both counterparty risk (who holds the keys to payouts) and rules risk (one breach can end an account) before paying any fee.

What Is FXIFY and How It Works in 2026

FXIFY is a FXIFY prop firm that lets you trade a larger “firm” account after you prove you can follow risk rules. In plain English, you pay a one-time fee, complete an evaluation challenge (or choose Instant Funding), then trade a funded account and keep a percentage of the profits.

The model is simple, but the details matter. Most traders pick one of five paths: 1-phase, 2-phase, 3-phase, Instant Funding, or Lightning. The evaluation tracks test two things more than anything else: can you hit a profit target, and can you do it without breaking drawdown limits. If you pass, you move into a funded stage where payouts are based on your profit split and the firm’s payout schedule.

FXIFY is still a newer name (founded in 2023), which is why many traders do extra trust checks before paying. Another key point is infrastructure: third-party reviews often mention FXIFY accounts being run through a broker partner, commonly referenced as FXPIG, which is where spreads, execution, and platform access come from.

Quick facts traders care about (funding, profit split, leverage, markets)

Before you compare challenges, keep these headline points in mind:

  • Funded account sizes: commonly marketed from smaller starter accounts up to $400,000 (availability depends on program).
  • Scaling plan: successful traders can grow capital over time, with scaling often advertised up to $4,000,000.
  • Profit split: typically up to 90%. Some promos or add-ons may advertise higher splits, but always read the fine print.
  • Leverage: commonly up to 1:50 on major FX pairs (leverage is usually lower on indices, metals, stocks, and crypto, and it can vary by plan).
  • Markets: multi-asset access, usually including forex, metals, indices, oil, stocks, and crypto (exact lists and conditions depend on the account type).
  • Platforms: commonly offered on MT4, MT5, DXTrade, and TradingView (platform access can vary by region and plan).
  • Payout basics: once funded, payouts are tied to program rules and eligibility, and withdrawals typically require ID verification first.

FXIFY changes plan rules from time to time, so treat any numbers as a snapshot. Confirm the current rules and pricing on the FXIFY site before you buy.

Who FXIFY is best for, and who should skip it

FXIFY tends to work best when you already trade like a risk manager, not like a lottery ticket buyer.

Best fit:

  • Disciplined traders with a tested strategy and a track record (even if it’s on a personal account).
  • Traders who can stay calm under daily loss limits and max drawdown rules.
  • People who read terms carefully and can follow them (things like restricted strategies and news rules can matter).
  • Traders who want a clear path from evaluation to funded trading, plus a longer-term scaling plan to grow buying power.

Skip it if:

  • You’re new and still learning basics like position sizing, stop placement, and journaling. The rules punish trial-and-error.
  • You tend to revenge trade, overtrade, or treat drawdown limits like a dare.
  • You need guaranteed income. A funded account is not a paycheck, and a single rule breach can end the run.
  • You’re not comfortable paying a fee to an unregulated prop firm, even if it has public reviews and payout claims.

If you’re in the “best fit” group, FXIFY can feel like a structured test with upside. If you’re not, it can feel like paying for pressure.

FXIFY Challenge Options and Rules Breakdown (One Phase, Two Phase, Three Phase, Instant, Lightning)

FXIFY gives you several paths to a funded account, and the “best” one depends on how you handle risk rules. The big differences come down to profit targets, daily loss limits, overall drawdown type (static vs trailing), and a few permissions like news trading, EAs, and copy trading. Most evaluation tracks have no maximum time limit, but they do require a minimum number of trading days (Lightning is the main exception with a short deadline).

Here’s a quick high-level snapshot of what traders usually compare first:

Program Steps Profit Target (typical) Daily Loss Limit (typical) Max Drawdown (typical) Drawdown Type (commonly shown) Min Trading Days Time Limit
One Phase 1 10% 3% 6% Trailing 5 Unlimited
Two Phase (Standard) 2 10% then 5% 4% 10% Trailing 5 Unlimited
Two Phase (Classic) 2 5% then 10% 4% 10% Static 4 Unlimited
Three Phase 3 5% then 5% then 5% 5% 5% Static 5 Unlimited
Instant Funding 0 None 8% 8% Trailing None Unlimited
Lightning 1 5% 3% 4% Trailing 3 7 trading days

Numbers and labels can change over time, but the structure tends to stay the same: faster paths usually mean tighter drawdowns or shorter deadlines.

Evaluation targets and drawdown rules (what causes most account breaches)

Most FXIFY account breaches come from misunderstanding two limits that sound similar but behave differently: daily loss and maximum drawdown.

Daily loss limit is your “don’t sink today” line. It’s usually measured off a fixed reference point (often a prior day balance snapshot). If your equity drops below that line at any point, the account can breach, even if you later recover.

Maximum drawdown is your “don’t sink at all” line. This is the bigger rule, and it’s where the drawdown type matters:

  • Static drawdown stays anchored to the starting balance (or a fixed level defined in the rules).
  • Trailing drawdown can move upward as your account reaches new highs. That sounds fair until you realize it can tighten the room you have after a good run.

A simple way to picture trailing drawdown is a rising floor under your feet. If you climb up (make profits), the floor rises with you. If you slip (take a loss), you can hit the floor faster than you expected.

Common breach scenarios look like this:

  • Risking too much on one trade: You open a position sized for a “quick win,” price moves against you, and the floating loss pushes equity through the daily limit. You didn’t “close” the loss yet, but equity still counts.
  • Revenge trading after a loss: One bad trade becomes two, then three. You’re not trying to hit the profit target anymore, you’re trying to “get it back,” and the daily limit ends the account before the market even has a chance to turn.
  • Letting a position run during volatility: Spreads widen, slippage hits, and your stop fills worse than planned. On tighter programs (like Lightning), that gap alone can be the difference between a normal red day and a breach.

If you remember only one thing, make it this: profit targets are optional until you hit them, drawdown rules are enforced every second your trades are open.

Trading style permissions: EAs, scalping, news, martingale, grid, weekend holds

Third-party reviews often describe FXIFY as flexible on trading styles, but “flexible” still comes with hard boundaries. The safest approach is to treat FXIFY rules like a gym membership with strict conduct policies: you can use most equipment, but you can’t break the building rules.

Here’s what’s commonly allowed on the main evaluation tracks (One Phase, Two Phase, Three Phase), with the usual caveats:

  • Expert Advisors (EAs): Often allowed on MT4/MT5 for evaluation programs. On some platforms or plans (notably Instant and Lightning), EAs are typically restricted.
  • Scalping: Generally supported, but tick scalping may be treated as prohibited behavior (it can resemble latency-based tactics).
  • News trading: Usually allowed on evaluation programs. Instant Funding and Lightning commonly have tighter news windows or restrictions (in some cases, news trading is treated as not permitted on these plans).
  • Martingale and grid: Often permitted in prop rulesets, including FXIFY’s more flexible tracks, as long as you still respect daily and overall drawdown. The risk rules don’t care how your entries are built.
  • Overnight and weekend holds: Often allowed on evaluation tracks. Instant programs commonly restrict weekend holding, and Lightning tends to be more restrictive overall.

Even when a style is “allowed,” some behaviors are broadly restricted across prop firms and are called out in FXIFY rule summaries:

  • High-frequency trading (HFT) patterns
  • Latency arbitrage
  • Collusion or herd trading
  • Reverse or group hedging across accounts
  • Exploiting pricing errors, gaps, or platform issues
  • Order spam and similar tactics

This is where traders get surprised. They follow the drawdown rules perfectly, but the account still gets flagged for behavior that looks like an attempt to exploit execution.

Instant Funding vs evaluation challenges (speed vs cost)

Instant Funding is the shortcut: no evaluation targets, no multi-step verification, and you start on a funded-style account right away. The tradeoff is that Instant Funding is usually more expensive upfront, and it often comes with stricter permissions (common limits include tighter news rules, no copy trading, and no EAs).

Evaluation challenges (One Phase, Two Phase, Three Phase) are the slower route, but they’re often easier to justify financially because:

  • The entry fees are typically lower than Instant Funding at the same account size.
  • Many evaluation tracks offer a fee refund after you pass and meet payout conditions (Instant and some Classic variants may not).
  • You usually get broader permissions like news trading, EAs, and weekend holding, depending on the program.

So who does Instant Funding fit?

  • Traders who are already consistent and rule-focused, and don’t want weeks of evaluation pressure.
  • Traders who understand that the “test” is replaced by ongoing limits, and those limits still bite fast.

Who should avoid Instant Funding?

  • Anyone still testing a strategy, still sizing positions, or still learning to manage drawdown.
  • Traders who rely on automation or copy setups, since Instant plans often restrict both.

Lightning sits in its own lane. It’s still an evaluation, but it’s designed for speed with a short window (often 7 trading days) and tight risk limits. If you like room to breathe, Lightning usually won’t feel comfortable, even if the profit target looks smaller on paper.

Trading Conditions and Platforms: Spreads, Fees, Execution, and Instruments

Trading conditions are where a prop account either feels “tradable” or frustrating. Day to day, you’ll notice FXIFY most through spread behavior around key sessions, how commissions hit your PnL, and whether the platform you picked supports your workflow (manual trading, automation, or chart-heavy setups). FXIFY generally sits in the “competitive but rule-driven” category, with pricing options that can fit both lower-frequency traders and active scalpers (as long as you stay inside the strategy rules).

Platforms and tools: MT4, MT5, DXtrade, TradingView

Platform choice matters because it changes how you execute, how you analyze, and what tools you can run.

  • MT4 and MT5 are the familiar options for most prop traders. They’re popular for a reason: stable order entry, solid charting, and deep support for automation. If you trade with Expert Advisors (EAs), MT4/MT5 is usually the easiest path on evaluation-style programs where automation is permitted.
  • DXtrade is often part of the setup for US-based traders in some configurations, while many non-US traders typically use MT4 or MT5. If you’re in the US, expect DXtrade to come up more often during signup and account access.
  • TradingView is the most comfortable for chart-first traders who like clean layouts, quick marking, and alerts. It’s great for analysis, and it can also be used for execution on supported setups, but always confirm your exact plan and region support before you buy.

A quick practical point: data feeds and pricing can look slightly different across platforms. That can affect how tight spreads appear, how stops trigger, and how clean your backtests match live results.

Markets you can trade and important product limits (including crypto plan changes)

FXIFY is built as a multi-asset prop firm, so you’re not stuck trading only EUR/USD. Most traders will see a familiar mix that supports diversification and hedging.

Here’s the common market coverage you’ll run into:

  • Forex: majors and minors (often dozens of pairs)
  • Metals: gold and silver are usually core products
  • Indices: major global indices (US and EU benchmarks)
  • Energy: oil contracts like WTI or Brent-style products
  • Stocks: a smaller list of stock CFDs (plan dependent)
  • Crypto: available on certain plans, usually with lower leverage than FX

Crypto is the big “read the fine print” item. Public plan materials have shown that crypto access can be plan specific, and some forex-focused accounts have reportedly blocked crypto access after late 2025. If crypto is part of your strategy, confirm the instrument list for the exact program you’re buying before checkout.

On costs, FXIFY commonly offers a choice between All-In pricing (commission built into the spread) and Raw spread pricing (tighter spreads plus commission). On Raw-style accounts, you’ll often see spread claims starting near 0.0 pips on major FX pairs, with a typical commission model that some sources place around $6 per lot on certain CFDs (commissions can vary by instrument, so treat that as a reference point, not a guarantee).

Execution is usually presented as STP-style routing with multiple liquidity sources behind the scenes. In real trading, it can feel snappy, but traders still can’t fully verify routing quality or slippage averages because those details aren’t fully disclosed. If your system depends on precision fills (news spikes or ultra-tight scalps), that uncertainty matters.

Payouts, Profit Split, Fees, and the Scaling Plan (Up to $4M)

Money rules are where most prop firm hype gets tested. With FXIFY, you want to understand four things before you pay: how soon you can withdraw, what percentage you keep, what the real upfront cost looks like, and how scaling works if you stay consistent.

At a high level, FXIFY commonly markets profit splits up to 90%, a low minimum withdrawal (often $50), and payout schedules that range from monthly by default on some plans to bi-weekly (sometimes via an add-on or depending on the program). The one-time evaluation fee varies a lot by account size and track, with figures often cited from about $39 up to several thousand dollars.

How withdrawals work (timing, methods, verification)

FXIFY payouts are not “click and cash out anytime” in the way a normal broker withdrawal works. You have to (1) be eligible based on your plan, (2) request a payout within the payout rules, and (3) complete verification.

Here’s what traders should expect in practice:

  • First payout timing depends on the account type. Many evaluation-to-funded tracks promote monthly payouts by default, with bi-weekly payouts available on certain programs (or via an add-on). Some versions of FXIFY also advertise on-demand first payouts once funded, but eligibility still ties back to program conditions, such as minimum activity and time in the funded stage.
  • Minimum trade-day rules can matter. Evaluation programs often require a minimum number of trading days (commonly 3 to 5 days depending on the plan), and some payout setups reference a minimum wait period before a first withdrawal (you’ll sometimes see references to roughly two weeks on certain tracks). If you’re planning bills around a payout date, don’t assume anything, confirm the exact schedule on your dashboard.
  • Processing is usually quoted in business days. Typical processing windows are often stated as 1 to 3 business days, during business hours, once the request is approved.

Before you can withdraw, plan on KYC. FXIFY commonly requires:

  • Government-issued photo ID (passport or driver’s license)
  • Proof of address (utility bill or bank statement)

Payout rails also vary by region. In many cases, RISE is the default processor, with bank wire used where RISE isn’t supported. Based on published availability notes, RISE may not be available in parts of the US and territories (examples often cited include IA, MN, SC, PR, GU, and the U.S. Virgin Islands), which means you may be routed to bank wire instead. Some sources also mention crypto payouts as an option on certain setups, but availability can change by location and compliance checks.

One more detail that impacts “withdrawable profit” is how drawdown rules behave after payout. Some FXIFY setups describe a max drawdown that locks to the starting balance after you withdraw, which can shrink your buffer. In plain terms, taking money out can make the account feel tighter afterward.

Scaling plan explained simply (how traders can grow to $4 million)

FXIFY’s scaling pitch is simple: trade well for long enough, and the firm increases your buying power. The scaling plan is usually framed around 3-month performance windows, not a single lucky week.

A common version of the rules looks like this:

  • Target: earn around 10% over a 3-month period
  • Consistency check: have at least 2 profitable months out of 3
  • Scale timing: reviewed every three months
  • Growth math: an early step may be a smaller bump (often referenced as +25% first), then later stages may double the balance each cycle, up to a stated cap (often $4,000,000)

Think of it like a snowball that only grows if you keep it packed. One hot month is nice, but it’s the repeatable months that unlock bigger capital.

A simple example (numbers rounded) shows why traders care:

  1. Start funded at $100,000
  2. Meet the 3-month goal, get scaled (example path): $125,000 after the first bump
  3. Keep meeting targets, the account can double at later stages: $250,000, then $500,000, then $1,000,000, and so on until the cap

Two final reality checks:

  • Details can change, and scaling may not apply to every program (some versions exclude faster tracks like Instant-style or short-deadline challenges).
  • Scaling sounds huge on paper, but the real skill is staying inside drawdown while stacking clean months.

Is FXIFY Legit and Safe? Trust Signals, Risks, and Red Flags to Watch

“Legit” and “safe” mean different things in prop trading than they do with a regulated broker. FXIFY is a newer prop firm (founded in 2023), and like most retail prop firms it operates without the same regulatory oversight you’d get from a traditional brokerage. That doesn’t make it a scam by default, but it does mean your protection mostly comes from clear rules, clean execution, consistent payouts, and responsive support, not a regulator.

If you’re considering FXIFY, treat it like renting a performance car. The ride can be great, but you still sign a contract, and the contract decides everything.

Reputation and community (reviews, payout claims, support channels)

FXIFY has a visible public footprint, which is one of the better trust signals you can ask for in this space. Across third-party sources and different snapshots in time, you’ll often see its Trustpilot rating quoted in the low to mid 4s (about 4.1 to 4.3 stars) with thousands of reviews. That kind of volume can’t be ignored, but it also doesn’t mean every story is positive. Large review counts almost always include a mix of praise and painful complaints.

Another trust indicator frequently cited by reviewers is FXIFY’s payout marketing and third-party verification claims. Public statements commonly mention $30M+ paid out over the past year and 11K+ verified payouts shown through a verification service (often referenced as Payout Junction). Verified payout counts don’t prove every future payout will go smoothly, but they do raise the bar above firms with zero proof.

On support, FXIFY is usually described as offering the channels most prop traders expect:

  • Live chat and email support (commonly 24/5 coverage)
  • A Discord community where traders share updates and issues
  • No phone support in most cases, which matters if you want a direct escalation path for payout problems

If you value fast resolution, test support before buying. Ask a simple question about drawdown math or payout timing and see how they answer.

Common complaints and how to protect yourself

Most negative reports you’ll hear about FXIFY sound similar to complaints across the prop firm industry. The themes usually look like this:

  • Account breach disputes: Traders think they followed the rules, the system flags a breach, and support points to the terms.
  • Drawdown confusion: Trailing drawdown and daily loss rules can behave differently than traders expect, and equity-based limits can breach even if you never closed the trade.
  • Withdrawal delays: Some traders report slower-than-expected processing, often tied to KYC checks, payout windows, or internal review.
  • Strategy violations: Accounts can get denied for tactics the firm labels as restricted (HFT-style behavior, latency games, collusion, certain hedging setups, or exploiting pricing errors).

You can’t control every outcome, but you can reduce preventable mistakes. Here are practical protections that work:

  • Trade smaller than the limits: If the daily loss is tight, risk half your normal size. Give yourself room for spread and slippage.
  • Keep a simple journal: Log entry, exit, lot size, and why you took the trade. If there’s a dispute, you’ll have receipts.
  • Screenshot the rules at checkout: Save the rules page or PDF the day you buy. Prop firm terms can change, and you want proof of what applied to your account.
  • Avoid restricted tactics on purpose: If your edge relies on ultra-fast scalps, news spikes, or copying groups, you’re asking for trouble.
  • Start with a smaller account first: Use it as an operational test, not a money mission. Confirm execution, rule clarity, and payout behavior before you scale up.

Before you pay any fee, run this quick checklist. It’s the best way to spot red flags early:

  • Current rules PDF or dashboard rules: Profit targets, daily loss, max drawdown type (static vs trailing), and how equity is measured.
  • Prohibited strategies list: HFT, latency arbitrage, reverse hedging, collusion, and “price error” language.
  • Payout terms: First payout timing, payout frequency, minimum withdrawal, KYC requirements, and any post-payout drawdown reset rules.
  • Broker partner and execution setup: Many sources mention accounts routed through FXPIG, plus STP-style execution and multiple liquidity providers, but confirm what applies to your plan.
  • Support responsiveness: Live chat response time, email quality, and whether Discord mods can escalate real issues.

If you go in with eyes open and treat the rules like the real product, you’ll make better decisions, and you’ll avoid most of the problems traders blame on the firm.

Conclusion

FXIFY checks a lot of boxes that active prop traders care about. You get several paths to funding (1-phase, 2-phase, 3-phase, Instant Funding, and Lightning), support for MT4, MT5, DXTrade, and TradingView, plus multi-asset trading across forex, indices, metals, energy, stocks, and plan-based crypto access. Trading conditions are often pitched as raw spreads from 0.0 pips with commissions, and many traders like the loose style limits on the main evaluation tracks (EAs, news trading, and weekend holds usually stay on the table, with tighter rules on Instant and Lightning).

The upside is clear: strong profit-split marketing (often up to 90%), bi-weekly payout options on some plans, and a scaling story that can reach as high as $4M for consistent performers. The tradeoff is just as clear. FXIFY is a newer firm (founded in 2023) and prop trading is still an unregulated business model, so counterparty risk and rule risk never go away, even with public ratings and payout claims.

Good fit if you already trade with tight risk control and you can follow the rules exactly. Not a fit if you want regulated protections or you need training before risking a breach. Compare terms on the official FXIFY site, then read the full rules before buying.

Read this FXIFY Prop Firm Review for an honest breakdown of evaluation steps, drawdown limits, trading rules, and support experience in 2026.

FXIFY General Terms and Conditions: What They Mean Before You Sign Up

Before you pay for a prop-style trading evaluation, you’ll see a long document called the FXIFY General Terms and Conditions (GTC). It can feel like fine print, but it’s really a rulebook for how the service works, what you can and can’t do, and what happens if there’s a dispute.

This post breaks the GTC down in plain English so you can spot the parts that matter most before you click “buy.” It’s an overview, not legal advice, and it won’t replace reading the current terms on FXIFY’s site.

One more expectation up front: FXIFY’s services are built around simulated (demo) trading, not live investing. Markets can move fast, and strong demo results don’t mean you’ll get the same outcome later, or anywhere else.

What FXIFY is, who can use it, and what you are agreeing to

FXIFY’s terms describe a service provided by FXIFY SOLUTIONS LIMITED (a UK company) through the fxify.com website. When you register, place an order, or start using the services, you’re entering a contract that includes the GTC.

For most users, the “services” language covers access to things like:

  • The FXIFY Challenge and the follow-up Verification phase (if you pass)
  • Free monthly trading contests (separate from Challenge access)
  • Platform access, account tools, and learning or analysis materials tied to the program

A simple way to think about it: you’re paying for access to a structured practice environment with rules and scoring, not buying a guarantee of income.

Simulated trading only, no investment advice, and no promise of profit

A key theme in the FXIFY GTC is that trading inside the program is demo trading. The money shown in the account is not real cash, and it’s only meant to be used inside the simulation.

FXIFY also states that it does not provide investment advice. That means:

  • You shouldn’t expect trade signals or “do this now” guidance from staff
  • Any content or tools provided are part of training and evaluation, not a personal recommendation

Here’s a clean example of what simulated trading means in daily life: it’s like a flight simulator. You can learn controls, test decisions, and build habits without risking a real plane. But it’s still not the same as flying in live weather with real stakes. Price behavior, fills, and your emotions can feel different when real money is on the line.

The terms also stress a basic risk warning: financial markets can change suddenly, and profits you see in a demo setting don’t predict future results.

Eligibility rules, restricted locations, and age requirement

FXIFY sets clear entry rules. You generally need to be:

  • 18 or older
  • Accessing the services from a country where they’re offered
  • Following your local laws when you use the site

The GTC also says FXIFY can refuse, restrict, or end services for people connected to certain restricted jurisdictions, sanctions restrictions, or certain serious financial crime or terrorism-related histories.

Because these restricted lists can change, it’s smart to check the current restricted jurisdictions list on FXIFY’s website before you pay.

Signing up and paying: accounts, fees, refunds, and key deadlines

Most problems happen in the “boring” part: account setup, payment, and timing. The GTC lays out rules that can affect your access quickly, even if you never place a trade.

Client account rules and why accurate info matters

FXIFY’s terms generally allow one client account per customer. Your services and purchases sit inside that single account area.

You’re also responsible for keeping your details accurate and updated. If you enter incomplete, old, or untrue info, the terms give FXIFY room to restrict service, or treat it as a breach in some cases.

Account security is also on you. Your login details are meant to stay private, and the terms make it clear that actions taken through your account are treated as your actions.

A practical takeaway: treat your FXIFY login like you’d treat your email password. If someone else trades on your account, the damage still lands on you.

Fees, currency conversion, chargebacks, and refund basics

FXIFY lists Challenge fees in USD, and it may also let you pay in other currencies shown on the site. If you pay in a different currency, the amount is converted using FXIFY’s rates and the final total is shown before you confirm.

The terms also say taxes are included in service charges, and that once you choose an option (like the account size and ruleset) you usually can’t switch it later for that purchase.

One clause many people miss is the chargeback warning. If you dispute the payment with your bank or card provider and try to reverse it, FXIFY’s terms allow it to stop providing services and refuse future access.

Refund and withdrawal rights depend on status and timing. The GTC describes a consumer right to withdraw within a set period, but it also warns about an important trigger: if you begin demo trading right away (by opening the first trade), you can lose the right to withdraw under that consumer window. In plain terms, starting the service can count as using it, and that can change refund rights.

Important time limits: activation windows and inactivity

FXIFY sets time windows that matter as much as the trading rules.

Challenge activation deadline: After access is provided, you generally need to activate the Challenge by opening your first demo trade within 30 calendar days. If you don’t, access can be suspended. The terms describe a way to request renewal within a longer window after suspension, and if you miss that, the service can be ended without a refund.

Verification activation deadline: If you pass the Challenge and receive Verification login details, you typically have 30 calendar days to place the first trade and activate Verification. If you don’t, the same idea applies, suspension first, then eventual termination if you wait too long.

Inactivity rule: The terms also mention that if you don’t execute trades for about two months, the account can be treated as inactive and handled as a breach, which can lead to restrictions or other actions.

The simplest way to avoid problems is to plan time before you buy. If work travel or exams are coming, waiting can be the cheaper choice.

Trading rules that can fail your Challenge: forbidden practices and account misuse

This is the section most traders care about, and for good reason. The GTC says FXIFY can review demo trades and take action if it believes rules were broken.

If FXIFY flags behavior it treats as forbidden, the terms describe possible outcomes such as:

  • Marking the Challenge or Verification as failed
  • Removing certain trades from the record, or not counting their results
  • Limiting account conditions (including changing leverage settings)
  • Canceling services and closing access

So it’s not just “don’t do X,” it’s also “FXIFY can decide what counts as X and apply consequences.”

Forbidden trading practices explained with simple examples

FXIFY’s prohibited behavior categories are written broadly. Here are the major themes, translated into everyday language:

Using platform errors or price delays. If a quote updates late or displays wrong, trading to exploit that is prohibited. Example: hitting buy or sell because you think the feed is “stuck” and you can grab a better price than normal.

Using outside feeds for an unfair edge. If you’re using an external data source to beat the platform’s feed, that can be treated as abuse. Example: trading based on a faster quote source while the platform lags.

Risk behavior that looks extreme or unnatural. The terms warn against strategies that involve excessive risk-taking beyond normal trading. Example: suddenly betting far larger position sizes than your usual pattern, only to hit a target quickly.

Manipulating across accounts. Trading in coordination, including placing opposite positions between connected accounts, can be treated as manipulation. Example: one account buys while another sells the same instrument at the same time to “game” the evaluation.

Breaking platform rules. If the platform’s own rules or FXIFY’s trading conditions are violated, it can count against you. Example: using a feature or setting in a way the rules don’t allow.

Automation that manipulates or gives an unfair advantage. The terms call out the use of certain software, AI, ultra-high-speed methods, or mass order entry that abuses systems. Example: running a tool that rapidly sends many actions to exploit micro-moves.

Gap trading around major news or market closures. The GTC describes restrictions around opening trades close to major events that can move markets, and around periods when markets are closed for longer breaks. Example: placing trades right before a major economic release or near a closure window to catch a gap.

Patterns that raise “harm” concerns. The terms also mention behavior like overleveraging, overexposure, one-sided bets, account rolling, or statistical arbitrage. Even if those phrases sound technical, the idea is simple: if your behavior looks like you’re trying to trick the evaluation model rather than trade normally, FXIFY can act.

FXIFY also notes it can update its prohibited list and apply judgment at its discretion. That makes it important to trade in a way that looks consistent, human, and risk-aware.

Personal use only: no account sharing or copy trading on someone else’s account

FXIFY’s Challenge and Verification accounts are described as personal use. That means:

  • Don’t let another person log in and place trades for you
  • Don’t offer to manage someone else’s FXIFY account
  • Don’t trade on another user’s account, even if they “allow” it

There is a narrow exception mentioned for users registered as legal entities, where authorized employees or reps may use the services. Even then, the account holder stays responsible for what happens.

A good gut-check is this: if you wouldn’t be comfortable explaining who clicked the buttons, don’t do it.

Event risk and leverage changes during major news

FXIFY’s terms describe “events” that can move markets, and allow the company to adjust trading conditions around them. One example in the terms is a temporary drop in leverage for certain products, using a defined window around scheduled announcements.

Two points matter for traders:

  • These changes can apply around major releases and can affect how much margin your positions need.
  • In some cases, FXIFY may give advance notice, including when conditions change for reasons like elections or unusual market situations.

A simple habit helps: check a news calendar, avoid building a plan that depends on high leverage during announcements, and leave extra room in your risk limits when big releases are near.

If something goes wrong: complaints, public posts, changes to terms, and limits of liability

The back half of the GTC is about communication and disputes. It’s not exciting, but it’s where you learn how to protect yourself when something breaks.

How to contact support and file a complaint the right way

The terms describe official communication as happening through your client account area or by email. FXIFY lists this support email:

support@fxify.com

If you need to file a complaint, do it like a support agent would want it, short and organized:

  • The email on your account
  • Order date and the product purchased
  • What happened, with timestamps if you have them
  • Screenshots of errors or messages (if relevant)
  • The result you want (reset, clarification, access restored, billing review)

The terms also describe a general target for handling complaints within a set timeframe, and that they’ll confirm receipt and resolution in writing.

Public complaints, trademarks, and protecting your account

FXIFY’s GTC includes a social media clause that asks customers to raise issues directly first, before posting publicly. It also warns that public statements that are misleading, defamatory, or misuse trademarks can lead to legal action.

Practical advice if you’re frustrated:

  • Keep messages factual and calm
  • Don’t post private account data or screenshots with sensitive info
  • Use the support channel first, then escalate only if needed

This approach also helps you. A clean support trail is useful if you later need to prove what happened.

Changes to the GTC, service outages, and liability limits

FXIFY says it can update the GTC. The terms describe giving notice (often several days ahead), and letting you reject changes by the stated deadline. If you reject, the contract ends.

The GTC also says services may not be available 24/7 due to maintenance, upgrades, or issues outside FXIFY’s control. It treats the website and content as provided “as is,” and limits warranties.

On liability, the terms describe a cap that, in many cases, limits potential liability to the amount of the fee you paid for the service tied to the loss.

The governing law and dispute venue are also laid out in plain terms: the agreement is governed by the law of England and Wales, and disputes fall under courts in London with local jurisdiction tied to the provider’s registered office.

Conclusion

FXIFY’s General Terms and Conditions are less about “legal talk” and more about daily rules that can affect your account. Before you sign up, run a quick checklist: confirm you’re eligible, read the forbidden trading rules, protect your login, start the Challenge and Verification within the time limits, and don’t file chargebacks as a shortcut.

If you hit a problem, use support@fxify.com and keep your message organized. Finally, read the current version of the GTC on fxify.com before paying, because terms can change, and demo performance doesn’t predict what comes next.

ken paterson
Dec 26, 2025
Rated 4 out of 5 stars

Decent company. Purchased a forex account thinking it would include crypto, only to find they recently changed tradable assets. Spoke to support and had my account refunded. Happy with support a the s... See more

 
Sadeek Idrees
Dec 30, 2025
Rated 4 out of 5 stars
 

Well, their whole customer service was accommodating and fast only that they need to improve on how fast they solve issues 2 business can be too much a single business day is okay to resolve issues.

 
Tu
Jan 2, 2026
Rated 5 out of 5 stars

Shoutout to Andreas, Sivaneswari, Francisco, Jatissithen, Azfar, and Ebrima. FXIFY’s customer service team is consistently helpful and professional. I know support roles can feel like a thankless... See more

 
Pradeep MK
Dec 30, 2025
Rated 5 out of 5 stars

The Customer Support is excellent. Even on a lean day on the eve of New Year my queries were answered by at least 5 different staffs. That gives me confidence and finally my issue was resolved. Othe... See more

 
thepunisher.ie - Alan
Jan 2, 2026
Rated 5 out of 5 stars

FXIFY has always been one of the best. There's no bullshit with them, clear and fair rules, competitive prices, lots of options to chose from and a proper good back end with as good of trading conditi... See more

 
Natali
Jan 2, 2026
Rated 5 out of 5 stars

Haiqat was extremely helpful and patient throughout the whole process. He answered all of my questions clearly, especially regarding the platform and the payout process, and took the time to make sure... See more

 
Adelaja Abimbola
Jan 2, 2026
Rated 5 out of 5 stars

I needed more information and clarification about payout and account breach rules. Andreas, a customer Admin staff of the company took time to address my enquiries. GE understands my question and unde... See more

 
Benson
Updated Jan 2, 2026
Rated 5 out of 5 stars
 

My experience with FXIFY is awesome! Have had all my payout requests with no issues and great customer service! Wishing everyone at FXIFY a Happy New Year! Thank you!

 
Clifford Shelton
Jan 2, 2026
Rated 5 out of 5 stars
Verified

FXIFY has been a great experience. After much time and hard work, I have passed a challenge account and received two payouts. Everything has gone smoothly and promptly. Very glad to be working with... See more

 
Vasilisa
Dec 2, 2025
Rated 5 out of 5 stars
 

I got my first payout in instant account in 24 ours, without any problems. Great fast support live team . Trading from tradingview platform is very comfortable. So I recommend this prop fxi... See more

 
Jashandeep Singh
Dec 30, 2025
Rated 5 out of 5 stars
Verified

Just requested my first payout today with fxify. Such a smooth firm no restrictions at all where you can trade with no limitations.

 
Delphan Mbuere
Dec 25, 2025
Rated 5 out of 5 stars
 

After passing the challenge, everything was smooth from ID verification, to getting a funded account within less than 2 hours on a day that most people are on holiday. That was a great experience.

 
VIKAS SHARMA
Dec 8, 2025
Rated 5 out of 5 stars
 

from india it was very difficult to purchase fxify ac . Coz i have to by pass through crypto wallet and all . And in India crypto is not fully functioning so some time chances were to loose money befo... See more

 
TheWallStreetFox
Dec 14, 2025
Rated 5 out of 5 stars
 

More then happy, that I found this Prop Firm. We can diversify our protfolio of EAs without limits and super conditions! Co-Dev of GoldSafePRO EA Aka TheWallStreetFox @ smartmoneytrading.store... See more

 
YOUNES ERRAMI
Dec 19, 2025
Rated 5 out of 5 stars

Hello, I'm back after losing my account, but not because of the company or my trading style. I develop my own Expert Advisors (EAs), and to be fair, FXIFY is really strong. I tested the bot in the wor... See more

 
Apiwat Kusolwat
Dec 11, 2025
Rated 5 out of 5 stars
 

Trading with FXIFY has been a positive experience for me. The withdrawals are real and reliable — I was able to cash out through Risepay directly into my Thai bank account without any issues. F... See more

Yam Chee Swen
Dec 6, 2025
Rated 5 out of 5 stars
 

There was some delay on my 1st payout and I’ve email their customer service.Found out it’s my rise account document expired.Complete KYC and within 24hours I’ve receive my payout.Will continue my tra... See more

 
Anupam Chaudhary
Dec 11, 2025
Rated 5 out of 5 stars
 

Fxify is on of the best prop firm i have ever used as they have very transparent rules and flexible interms of trading. I have successfully got 2 payouts without any issues. Support team is also excel... See more

 
Wolf
Dec 9, 2025
Rated 5 out of 5 stars
 

For general questions, I was connected to the chatbot. I have to say, that the chatbot is at fxify website, gives good answers and can help with general issues. For a more detailed issue (which was... See more

 
Godwin Okpa
Dec 18, 2025
Rated 5 out of 5 stars

As a swing trader , my experience trading with this firm is top notch , no shitty rules on drawdowns . Secondly, the support team is amazing , very prompt and effective in solving problems

 
Elias Chanda Fulo
Dec 11, 2025
Rated 5 out of 5 stars
 

FXIFY made it possible for me to buy a $15,000 challenge at 75% of the price thanks to a generous promotion. I am also grateful that I was able to access the Challenge using my Visa Debit Card, for wh... See more

 
Faruk
Dec 19, 2025
Rated 3 out of 5 stars
 

to tight dayly drawdown, bought well moved down account breach bounced hit far above tp, always pay extra for more drawdown if you can.

 
Phillip Duong
Dec 1, 2025
Rated 5 out of 5 stars

This is a great Forex Prop Firm company. Customer service always helpful. The trading platform is solid. Never had an issue placing a trade. Definitely do challenges with this company. I'd say they're... See more

 
Beatriz
Dec 20, 2025
Rated 5 out of 5 stars
 

FXIFY has a very good customer service, the answer is quickly and effective. I recommend FXIFY for people who really want a professional trading company to work with. The payouts are well processed, s... See more

 
Kevin Diston
Dec 30, 2025
Rated 5 out of 5 stars

Today is chatted with Haiqal an found him helpful in a difficult situation. He was friendly and resloved my problem in good time.

 
Seti Ra
Dec 30, 2025
Rated 5 out of 5 stars

a legit company very honest and i love the customer service catch them on those big discounts the GIFT35 with two free add ons is amazing

 
Jashandeep Singh
Dec 29, 2025
Rated 5 out of 5 stars
 

So far so good experience with fxify. I have completed my phase 3. Looking forward to get my funded account and kill the market with the best fxify.

 
JAIESH Varsani
Updated Dec 10, 2025
Rated 5 out of 5 stars
 

Payout takes too long says 2-5 days but it’s now the 6th day and still not had any updates. Now just got an email saying Kyc not verified but bad communication , should have told me Kyc has expired.... See more

 
Fərrux Ağayev
Dec 30, 2025
Rated 5 out of 5 stars

Look friends. Believe me, if you buy a background from this company, you will not have any problems. They do a great job. The support service is also excellent.

 
Tu
Updated 13 hours ago
Rated 5 out of 5 stars

FXIFY is a very promising, evolving prop firm! They continue to expand their offerings, including Futures, Instant Funding, and Crypto-funded accounts, which shows they are acti... See more

 
Imran Nawab
Dec 22, 2025
Rated 5 out of 5 stars

Best in the business other claims but Fxify is real one . Got payout from them already also have two active accounts as well. DOnt waste your money and time on other Prop firms.

 
Kodjo Peter
Dec 23, 2025
Rated 5 out of 5 stars
 

This is the best prop firm for me for my trading Journey. Available on TradingView . I recommend you that are reading this review to go head and start your challenge.

 
Md. Rezowanur Rahman
Dec 25, 2025
Rated 5 out of 5 stars

They are one of the best prop firms today. They have flexible plans with transparency. Customer support is excellent.

Company replied

Tasha Ivan
Dec 18, 2025
Rated 5 out of 5 stars

Your customer support team, has patience and great in making customers understand, i had a good chat with francis. Thank you very much

 
Gagandeep Singh
Dec 29, 2025
Rated 5 out of 5 stars
 

Another payout received just in time. thanks fxify. the most user friendly prop firm in the industry!

Company replied

Willie P.
Jan 1, 2026
Rated 5 out of 5 stars
 

FXIFY, has presented me with the opportunity to make a living trading. Thanks FXIFY for your support.

 
Ratee Phasertthai Phanumart
Jan 2, 2026
Rated 5 out of 5 stars
 

Good experience , support team and withdraw quickly on rise platform. I like Fxify

 
Valcides Di Morais
Dec 23, 2025
Rated 5 out of 5 stars
 

Recentemente recebi meu primeiro saque na FXIFY, e fiquei muito satisfeito com a experiência. O pagamento foi feito de forma rápida e sem qualquer problema. O grande destaque, para mim,... See more

 
Can Ercivan
Dec 24, 2025
Rated 3 out of 5 stars
 

It would be much better if the total loss reduction was calculated based on the daily balance. Constant monitoring is annoying.

 
LPM
Dec 24, 2025
Rated 5 out of 5 stars

Thiva was patient and clear in his explaination. Appreciate his/her accommodation of me as i am a first-timer engaging in such a prop firm challenge.

 
mohd afiq bin zainal azmi
Dec 31, 2025
Rated 5 out of 5 stars
 

can you enrol me to education for prop firm trader to be consistent

 
Kadeem Knight
Dec 29, 2025
Rated 5 out of 5 stars
 

Great broker, good structure Evaluations are fair Payout was seamless 10/10

 
Hasnain
Dec 30, 2025
Rated 5 out of 5 stars

I have purchased the 1000 instant account and the profit split for that account is 50/50 because its educational plan and I have received my payout and the support team is very quick and very nyc appr... See more

Stefan Vogels
Dec 30, 2025
Rated 5 out of 5 stars
 

Awesome support and the discount at the moment is really great!

 
Tasha Ivan
Jan 2, 2026
Rated 5 out of 5 stars

Had a customer support name sivaneswari and her insights are good, know the information i needed and also cared to ask and remind others related info as well, proactive customer support

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