The best forex prop firm for a $100K account right now is The5ers, with its Summer Plan 2 Steps plan at $149 and about $457 to get funded. Below are our picks for different kinds of traders, the full ranking and the big names we cannot rank yet, such as FTMO. Checked November 12, 2026.
Forex firms work differently from futures firms. The max loss is usually fixed rather than trailing (76% of the $100K plans we rank), there is almost always a daily loss limit, and the test can run in one, two or three steps.
Our picks
- Best overall, cheapest to get funded and most room for the money
The5ersSummer Plan 2 Steps, $100KBest mix of real cost, track record and payout terms$149about $457 real cost - Best one-step test
FundingPips1 Step Flex, $100KOne target to hit and a max loss that never moves$423about $834 real cost - Best for news traders
Lark Funding1-Step Max, $100KAllows trading around news on funded accounts$599about $1,168 real cost - Best instant funding
RZR FundedInstant24, $100KNo test: trading starts on a funded account$194about $461 real cost
Best overall, cheapest to get funded and most room for the money
The5ers Summer Plan 2 Steps, $100K
The5ers has run since 2016 and holds 4.7 on Trustpilot from 40,936 reviews. Its $10,000 static max loss never moves, so profit you make early becomes room for later. This plan is sold for a limited time, so check it is still available. Payouts come with a 50% consistency rule.
- Price
- $149
- Real cost to get funded
- about $457
- Max loss
- $10,000, fixed
- Daily loss limit
- 3% a day
Good to know: Each payout capped at $2,000. First payout only after 14 days.
Best one-step test
FundingPips 1 Step Flex, $100K
FundingPips holds 4.5 on Trustpilot from 71,436 reviews and has $157M in payouts PropTested can see on the blockchain. This plan's $12,000 static max loss is generous for the size. The on-demand version pays 100% of profit after seven profitable days.
- Price
- $423
- Real cost to get funded
- about $834
- Max loss
- $12,000, fixed
- Daily loss limit
- 2% a day
Good to know: 35% consistency rule after you pass, which can delay payouts.
Best for news traders
Lark Funding 1-Step Max, $100K
Lark's 1-Step Max pairs a $12,000 target with an equal $12,000 static max loss, one of the most balanced ratios on offer. It includes free restarts if your loss stays small.
- Price
- $599
- Real cost to get funded
- about $1,168
- Max loss
- $12,000, fixed
- Daily loss limit
- 5% a day
Good to know: First payout only after 14 days.
Best instant funding
RZR Funded Instant24, $100K
RZR Funded started in 2023, so its record is shorter than most firms here. Instant24 has no test, and the drawdown follows your highest closing balance. You keep 80% of the profit; 95% is a paid add-on. Payouts carry a 15% consistency rule.
- Price
- $194
- Real cost to get funded
- about $461
- Max loss
- $3,000, trailing
- Daily loss limit
- 2% a day
The full ranking
Every forex firm we rank, with its best $100K plan.
| # | Firm and plan | Price | Real cost | Drawdown | Test |
|---|---|---|---|---|---|
| 1 | The5ersSummer Plan 2 Steps | $149 | $457 | Static | 2-step |
| 2 | FundingPips1 Step Flex | $423 | $834 | Static | 1-step |
| 3 | FundedNextStellar Lite | $400 | $1,128 | Static | 2-step |
| 4 | FTMOFTMO Challenge 1-Step | $444 | $1,107 | End of day | 1-step |
| 5 | Moneta Funded1-Step Daily | $284 | $690 | Static | 1-step |
| 6 | Orion FundedOrion Nova | $7 + $669 | $680 | Static | 1-step |
| 7 | Wall Street FundedWall Street Power | $6 + $540 | $555 | Trailing balance | 1-step |
| 8 | RZR FundedInstant24 | $194 | $461 | Trailing balance | Instant |
| 9 | Hola Prime1-Step Prime | $347 | $946 | Static | 1-step |
| 10 | FXIFYLightning | $299 | $1,240 | Trailing balance | 1-step |
| 11 | Lark Funding1-Step Max | $599 | $1,168 | Static | 1-step |
| 12 | FintokeiSwiftTrader | $499 | $1,514 | Static | 1-step |
What a $100K account really costs
Few forex plans bill monthly or charge an activation fee, so the gap between checkout price and real cost comes mostly from retries. What decides it is how often a plan's targets and limits end an account.
- Checkout price
- Real cost to get funded
- The5ersSummer Plan 2 Steps$457
- FundingPips1 Step Flex$834
FundedNextStellar Lite$1,128
FTMOFTMO Challenge 1-Step$1,107
Moneta Funded1-Step Daily$690
Orion FundedOrion Nova$680
Wall Street FundedWall Street Power$555- RZR FundedInstant24$461
Hola Prime1-Step Prime$946
FXIFYLightning$1,240
Show the numbers
| Name | Checkout price | Real cost to get funded | Gap |
|---|---|---|---|
| The5ers (Summer Plan 2 Steps) | $149 | $457 | $308 |
| FundingPips (1 Step Flex) | $423 | $834 | $411 |
| FundedNext (Stellar Lite) | $400 | $1,128 | $728 |
| FTMO (FTMO Challenge 1-Step) | $444 | $1,107 | $663 |
| Moneta Funded (1-Step Daily) | $284 | $690 | $406 |
| Orion Funded (Orion Nova) | $676 | $680 | $4 |
| Wall Street Funded (Wall Street Power) | $546 | $555 | $9 |
| RZR Funded (Instant24) | $194 | $461 | $267 |
| Hola Prime (1-Step Prime) | $347 | $946 | $599 |
| FXIFY (Lightning) | $299 | $1,240 | $941 |
One step, two steps or instant?
More steps mean more chances to fail, but each step is usually easier. Here is how the types compare across all 113 ranked $100K plans, using the middle value of each group.
| Test | Plans | Checkout price | Pass rate in our simulation | Real cost |
|---|---|---|---|---|
| 1-step | 40 | $500 | 37% | $1,359 |
| 2-step | 51 | $444 | 33% | $1,455 |
| 3-step | 5 | $299 | 28% | $816 |
| Instant funding | 17 | $604 | 41% | $1,509 |
News, bots and weekends
Forex firms are relaxed about holding and strict about news. Of the 43 forex firms we track, 33 allow holding over the weekend, but only 9 allow news trading without conditions; most block a few minutes around big releases on funded accounts.
| Firm | News | Bots | Copy | Weekend |
|---|---|---|---|---|
| The5ers | Limited | Limited | Limited | Yes |
| FundingPips | Limited | Limited | Limited | Yes |
| FundedNext | Limited | Limited | Limited | Yes |
| FTMO | Limited | Yes | Not stated | Yes |
| Moneta Funded | Limited | Limited | Limited | Yes |
| Wall Street Funded | Limited | Yes | Limited | Yes |
| RZR Funded | Limited | Limited | Limited | Yes |
| Hola Prime | Limited | Limited | Not stated | Yes |
Show the numbers
| Firm | News | Bots | Copy | Weekend |
|---|---|---|---|---|
| The5ers | Limited: Holding through news allowed on all programs. High Stakes: no orders from 2 minutes before to 2 minutes after high-impact news; profits made then are deducted. Hyper Growth and Bootcamp: allowed except bracket strategies. | Limited: Prohibited: third-party EAs where other traders hold the same trades, EAs scalping the rollover. General EA allowance not spelled out on pages read. | Limited: Copying with other traders prohibited; between own Summer Plan accounts allowed. | Yes: Allowed; indices over the weekend carry high swap. |
| FundingPips | Limited: Evaluation allowed. Master: no open or close 5 minutes either side of red-folder news, profit deducted. Zero: 10 minutes, breach. | Limited: Third-party EAs only as trade or risk manager; personal EAs with proof of ownership permitted. | Limited: Own accounts and own account as master to external allowed; between users and inbound copying prohibited. | Yes: Evaluation allowed. Master needs Swing add-on; on Zero without it holding the weekend closes the account. |
| FundedNext | Limited: Allowed in challenge and funded; on funded accounts profit from listed high-impact news within the window counts at 40% news profit share. | Limited: EAs only below $50,000, on MT4/MT5, with EA add-on fee; $50,000 and above manual only; not on cTrader or Match-Trader. Instant allowed on MT4/MT5 with fee. | Limited: Allowed between own challenge accounts up to $300,000 combined with one master; banned across people and with cloud copy tools. | Yes: Allowed on challenge and FundedNext accounts. |
| FTMO | Limited: Standard funded: no opening or closing on targeted instruments 2 minutes either side of selected news. No restriction in evaluation or on Swing. | Yes: EAs allowed; third-party EAs risk the maximum capital allocation rule; server limits 200 orders at a time, 2000 positions per day. | Not stated: Copy trading is not named on the FAQ or Forbidden Trading Practices page. That page bans letting a third party trade the account or trade in coordination with you, and trading other people's accounts. | Yes: Allowed in evaluation and on Swing; restricted on Standard funded accounts. |
| Moneta Funded | Limited: Compare page: not allowed on 1-Step Daily, 1-Step, 2-Step, Instant and Sprint; allowed on Instant Pro and Phoenix. | Limited: EAs and assistant tools allowed on standard challenges, except banned strategies such as HFT, grid, martingale and latency arbitrage. EAs banned on Sprint. | Limited: Only between Moneta Funded accounts of the same person. | Yes: Over-weekend holding listed as allowed for Instant, Phoenix, 1-Step and 2-Step. |
| Wall Street Funded | Limited: Allowed in evaluation, not in the funded phase. | Yes: EAs and cBots allowed if the strategy is permitted. | Limited: Manual copying only between own evaluation accounts; not funded, not 100K, no external copier tools. | Yes: Weekend holds allowed with no add-on. |
| RZR Funded | Limited: Challenge phase: no news restriction. Funded and Instant Lite/Funding: no opening or closing within 3 minutes of red folder news unless the news add-on is bought. Instant24: news trading permitted. | Limited: EAs allowed on challenge accounts within the rules; no EAs or bots on any Instant program. | Limited: Copy trading only between your own challenge accounts, combined capital up to $400,000; copying between different people prohibited. | Yes: Allowed on Express, Enhanced, EnhancedX and Endurance; Instant programs only with the weekend and news add-on. |
| Hola Prime | Limited: Freely allowed on 1-Step and 2-Step Prime; 2-Step Pro has a funded-stage restriction. | Limited: EA trading is a paid add-on on MT5, except Direct accounts. | Not stated | Yes: Weekend holding policy varies by plan. |
Big names we cannot rank yet
28 forex firms are missing from the ranking. That is not a verdict on them. Each one fails a condition we need to compare plans fairly. Here are the most reviewed of them.
| Firm | Trustpilot | Why it is not ranked |
|---|---|---|
| Alpha Capital | Warning shown | Trustpilot currently shows a warning on the firm. |
| Maven | Warning shown | Trustpilot currently shows a warning on the firm. |
| Instant Funding | Warning shown | Trustpilot currently shows a warning on the firm. |
| Goat Funded Trader | Warning shown | Trustpilot currently shows a warning on the firm. |
| TX3 Funding | 3 (4,310) | Not enough independent reviews yet to count as established. |
| Top One Trader | Warning shown | Trustpilot currently shows a warning on the firm. |
| E8 Markets | Warning shown | Trustpilot currently shows a warning on the firm. |
| Funded Trading Plus | Warning shown | Trustpilot currently shows a warning on the firm. |
How we picked
We read 113 $100K forex plans from 15 firms on their own websites. The real cost to get funded adds the checkout price, any fees, and the retries an average attempt needs, from 3,000 simulated runs of each plan's rules. Firms are scored on real cost (45%), track record (35%) and payout terms (20%). Commission never counts.
Every forex plan at every size is in the plan comparison. If you are weighing forex against futures, the best futures prop firms list uses the same method.
- The5ers: plans and rules read November 5, 2026
- FundingPips: plans and rules read October 31, 2026
- Lark Funding: plans and rules read November 5, 2026
- RZR Funded: plans and rules read November 5, 2026