To complete our challenge and receive the Virtually funded StartTrader account (please see Do I trade real money on provided accounts? for details on how Fintokei manages the funds) and Performance reward from it, you must successfully pass three phases.

In each phase, your goal is to make 2% (1st Phase), 3% (2nd Phase) and 6% (Phase 3) profit while avoiding a Daily Loss limit of over 3% and a Max Loss Limit of 6%. Both drawdown rules apply and are monitored in parallel; breaching either results in failing that phase or the account.

Consistency rules apply by default: max 40% of your Profit Target can come from 1 day (Phases 1–3), and max 1% of profit calculated from the starting balance can come from 1 day in the Virtually Funded Phase. For more information please read this FAQ.

Once you complete your profit target, you also need the required minimum trading days (as long as there’s some active trade during a day, it counts as one trading day). Close all open trades before the phase can be considered passed.

As soon as you pass the third phase, we will contact you, set up your StartTrader Virtually Funded account, and ask you to verify your identity and sign a contract.

It's also important to follow the maximum risk on open trades rule — breaking it doesn't lose you the account, but triggers a warning or eventually Consistency rules.

Maximum 180 calendar days per Phase (Phase 1, 2, 3). Once funded, there's no time limit — but you must make at least 1 trade per 30 calendar days to keep the account active.

From October 21, 2026, the StartTrader Challenge is a single phase (previously three). To complete it and qualify for your Virtually funded StartTrader account and Performance reward, you need to reach a profit target of 3% ($150 / €150 / ¥30,000 / 3,000 CZK at the $5,000 / €5,000 / ¥1,000,000 / 100,000 CZK tier — the only tier available at launch).

Two drawdown rules apply in parallel, calculated the same way as before: a Daily Loss Limit of 2% of your end-of-day equity and a Max Loss Limit of 8% of your starting balance. There is no consistency rule and no daily profit cap on StartTrader from this date by default.

Hitting the Daily Loss Limit for the first time doesn't close your account — see What's new on StartTrader from October 21, 2026? (Soft Breach, payouts, and purchase rules). A second Daily Loss Limit hit, or any Max Loss Limit breach, closes the account, same as before.

You need a minimum of 3 trading days, and a maximum of 60 calendar days from account activation, to complete the Challenge. An account inactive for 30 calendar days (no trade opened or closed) expires.

As soon as you pass the Challenge, we contact you and set up your StartTrader Virtually Funded account — same verification/KYC process as before.

Once virtually funded, you receive an 80% flat Performance reward (see What is the performance reward ratio on StartTrader accounts?), and can request a payout once you've made 2% ($100 / €100 / ¥20,000 / 2,000 CZK) profit, every 14 calendar days, up to the account's total payout cap of $400 / ¥80,000 / €400 / 8,000 CZK (across up to two payout requests — see What's new on StartTrader from October 21, 2026? for full details).

Instant payouts are not available on StartTrader.