The payout stage is where prop firms earn or lose trust, so it is worth understanding Fintokei’s mechanics before you buy an evaluation rather than after you pass one.
Fintokei was built for the Japanese market, and its payout system reflects that: rewards can be paid in JPY to Japanese bank accounts, alongside conventional options. Everything below was checked against Fintokei’s Japanese FAQ on 2026-09-24. Terms change, so confirm current conditions on the official site before you request a payout.
Payout conditions at a glance (checked 2026-09-24)
Sources: Fintokei’s Japanese FAQ articles on payout requests and on when payouts arrive.
| Item | ProTrader / StartTrader | SwiftTrader |
|---|---|---|
| First request | Two weeks after your first trade on the pro account | Same |
| Later requests | Two weeks after the previous request | Same |
| Minimum trading days | 3 | 5 |
| Profit condition | None | At least 3% of the initial balance |
| Minimum request | ¥20,000 / $100 / €100 / 2,000 CZK | 3% of the initial balance (¥30,000 on a ¥1,000,000 account) |
| Open positions | All must be closed | Same |
| KYC | Must be complete | Same |
| Approval | Automatic, within seconds | Same |
| Domestic bank transfer fee | Free (if the minimum is met) | Same |
ProTrader accounts of 400,000 EUR/USD have a 120 EUR/USD minimum. The SwiftTrader minimums come from the FAQ table for accounts purchased on or after 2026-07-15.
If you do not meet a condition, the “i” icon next to the payout button in MyFintokei shows the reason.
Profit split by plan
Fintokei frames payouts as compensation for trading-data provision. The split depends on the plan:
| Plan | Profit split |
|---|---|
| ProTrader | 80% |
| SwiftTrader | 90% (100% at the top Diamond rank) |
| StartTrader | 50-100% (dynamic, performance-based) |
The 80% ProTrader figure also appears in the Japanese FAQ’s payout steps (checked 2026-09-24), and the 90% SwiftTrader figure is stated for accounts bought on or after 2026-07-15. You will see SwiftTrader described as “100%” elsewhere; the standard plan-page figure is 90%, and 100% applies at the Diamond rank. This article previously said 100% and has been corrected.
Fintokei’s loyalty-program blog also describes reward rates rising to 100% by points-stage rank. Because the plan page and the loyalty program use different premises, check both before buying to see which rate applies to your account. Plan structures are compared in Fintokei plans compared.
Payout conditions in detail
| Condition | Detail |
|---|---|
| Cycle | Two weeks after your first trade on the pro account, then two weeks after each request |
| Minimum trading days | 3 on ProTrader/StartTrader, 5 on SwiftTrader |
| Minimum amount | ¥20,000 / $100 / €100 / 2,000 CZK |
| Open positions | All positions must be closed when requesting |
| Identity | KYC must be completed |
The closed-positions requirement is the one traders most often overlook. Plan your payout requests around a point where you are flat. After you request, the account becomes read-only briefly; with Instant Payouts the restriction lifts about 30 seconds later and you can keep trading.
SwiftTrader has one more condition: you need at least 3% profit on the initial balance at the time of the request. Because that 3% is also SwiftTrader’s minimum request, clearing the general ¥20,000 minimum is not enough on its own.
Payout methods
The FAQ lists transfers to a bank account, an e-wallet (Walletory), or a crypto wallet.
Domestic bank transfer, including JPY
JPY transfers to Japanese bank accounts are supported and free of charge once you meet the minimum. The FAQ adds two caveats: large payouts may be processed as international wires even when you nominate a Japanese account (receiving-bank fees are then yours), and transfers to non-Japanese accounts or those needing currency conversion may carry extra fees.
For Japanese-speaking traders — including those abroad who still hold a Japanese bank account — yen payouts remove the usual friction of receiving USD wires.
Walletory (Instant Payouts)
Since 2025-08-04, Fintokei has offered Instant Payouts. With Walletory wallet-to-wallet transfers, payouts up to ¥1.5 million (or equivalent; the English FAQ states $10,000) reach your wallet within seconds.
Walletory is operated by Walletory Pte Ltd., licensed in Singapore, and requires a separate sign-up under its own terms, in which Fintokei is not involved. We have not verified Walletory’s own fees for moving funds on to a bank account; check its terms.
Cryptocurrency
Crypto payouts are available with fees:
| Currency | Fee |
|---|---|
| ETH / USDT | 2.5% + €10 |
| BTC / USDC | 2.5% + €20 |
| Others (e.g. LTC) | 2.5% |
Crypto payouts are only available to residents of the countries listed in the FAQ (Japan, South Korea, Taiwan, and Hong Kong are included), and large amounts may be switched to bank transfer. Crypto also complicates tax records, since you need the rate at the moment of receipt.
The payout flow and timing
- Close all open positions
- In MyFintokei, open the rewards page and click the payout button for the account
- Choose a method, enter recipient details, and submit
- The request is auto-approved within seconds (usually 10-20 seconds, occasionally longer)
- Walletory payouts up to the limit arrive in seconds; bank wires, crypto, and larger Walletory payouts are usually sent within one business day
- Bank transfers typically arrive 1-3 business days after Fintokei completes the transfer
Fintokei’s older guidance said requests were reviewed within 24 hours and sent within two business days. This article repeated that until 2026-09-24, when it was updated to the current FAQ.
Evaluation fee refunds: conditional, via the Scaling Dojo
Fee refunds have been removed and reinstated in 2026:
- The old scaling program, including the fee refund, ended on 2026-01-21 (announced in the English FAQ)
- On 2026-06-03, a rank program for Japanese users, the “Scaling Dojo”, reinstated it. Accounts bought on or after 2026-06-11 earn the right to a refund of the price paid minus any discount after meeting the White Belt conditions (20 trading days and two payout requests). Accounts bought on or before 2026-06-10 had a transitional rule tied to a first payout request by 2026-06-30
- The English FAQ still showed the old end-of-program notice as of 2026-08-18, so the languages disagree
According to the Japanese FAQ (checked 2026-09-24), eligible plans are ProTrader (including its Swing and Slim variants) and SwiftTrader accounts created on or after 2025-08-18. Old SwiftTrader accounts, all StartTrader plans, and plans earned through points-stage rank-ups are excluded. The refund depends on meeting the White Belt conditions, so do not budget as if it were guaranteed.
Checklist to avoid payout friction
- Finish KYC early, not the day you want to withdraw
- Check the minimum trading days (3, or 5 on SwiftTrader)
- Be flat (no open positions) when you request
- Make sure the receiving account name matches your KYC identity
- Confirm your balance exceeds the minimum (¥20,000, or 3% of the initial balance on SwiftTrader)
- Keep screenshots and confirmation emails for every request
If a payout is ever delayed, the general escalation steps in payout troubleshooting apply to Fintokei as much as any firm.
Taxes
Payouts are taxable income in most jurisdictions. Fintokei’s Japanese FAQ tells Japanese residents to report rewards as miscellaneous income (a data-provision fee rather than investment profit), while advising them to consult the tax office or a tax accountant. See prop firm profits and Japanese taxes for details.
Summary
- Conditions: two weeks after your first pro-account trade (then every two weeks), 3 minimum trading days (5 on SwiftTrader), flat positions, KYC done
- Minimum ¥20,000 / $100 / €100 / 2,000 CZK; SwiftTrader needs at least 3% profit
- Auto-approval in seconds; bank transfers usually sent within one business day and arrive 1-3 business days later
- Domestic bank transfers are free once you meet the minimum; large amounts may go out as international wires; crypto costs 2.5% plus a fixed fee
- Splits: 80% (ProTrader), 90% (SwiftTrader, 100% at Diamond), 50-100% (StartTrader)
- Fee refunds are back for accounts bought from 2026-06-11, conditional on the Scaling Dojo White Belt
Recommended prop firms
Fintokei — Japan-focused, JPY payouts
Fully localized Japanese product with payouts to Japanese bank accounts in JPY, alongside standard international options.
→ Fintokei official (the public code “FINTO5KEI” gives 5% off, but Fintokei confirmed on 2026-08-19 that using a coupon code overrides referral attribution, so this site earns nothing on those purchases)
FTMO — the industry benchmark
Operating since 2015 with the industry’s largest published payout track record.
The free trial lets you test everything at no cost, and the 2-Step Challenge fee is refunded with your first payout after passing (no refund if you fail). See the FTMO free trial guide.