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 by bank transfer, alongside conventional options. Everything below reflects official documentation as of July 2026 — terms change, so confirm current conditions on the official site.
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 | 100% |
| StartTrader | 50-100% (dynamic, performance-based) |
Official pages have shown differing figures for some plans at different times, so treat the plan page you are buying from as authoritative on the day you buy. Plan structures are compared in detail in Fintokei plans compared.
Payout conditions
| Condition | Detail |
|---|---|
| Cycle | Two weeks since the last payout (bi-weekly in practice) |
| 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 in your trading where you are flat.
Payout methods
Bank transfer, including JPY
Fintokei pays out by bank transfer, and JPY transfers to Japanese bank accounts are supported with a ¥20,000 minimum. For Japanese-speaking traders — including those abroad who still hold a Japanese bank account — this removes the usual friction of receiving USD wires or setting up intermediary services.
For everyone else, standard bank transfers in USD or EUR apply, with $100/€100 minimums.
Cryptocurrency
Crypto payouts are available but carry an additional fee per official documentation. They also complicate tax records, since you need to track the exchange rate at the moment of receipt. Unless you have a specific reason, bank transfer is the simpler default.
The payout flow
- Close all open positions
- Request the payout from the MyFintokei dashboard
- Enter recipient details (bank account information)
- Fintokei reviews the request, typically within 24 hours
- Transfer is initiated within two business days of confirmation
- Arrival depends on your bank, usually a few business days
First payout timing
The first payout can be requested as early as two weeks after pro-trader certification.
On ProTrader, official payout documentation describes the evaluation fee being returned as a contract fee together with the first payout — meaning a passing trader effectively recovers the entry cost at the first payout. Confirm the current wording of this condition before purchase.
SwiftTrader advertises a 100% split but has its own per-cycle conditions; check the plan page and terms for the details that apply when you buy.
Checklist to avoid payout friction
- Finish KYC early, not the day you want to withdraw
- Be flat (no open positions) when you request
- Make sure the receiving account name matches your KYC identity
- Confirm your balance exceeds the minimum
- 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. Japanese residents generally report them as miscellaneous income (zatsu-shotoku); see prop firm profits and Japanese taxes for details. Keep monthly trade-history exports and receipts for fees.
Summary
- Splits: 80% (ProTrader), 100% (SwiftTrader), 50-100% (StartTrader) — verify at purchase
- Bi-weekly cycle, ¥20,000/$100/€100 minimum, positions closed, KYC done
- JPY bank transfers to Japanese accounts are the standout practical feature
- First payout as early as two weeks after certification; ProTrader credits back the fee
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 (coupon code FINTO5KEI for 5% off)
FTMO — the industry benchmark
Operating since 2015 with the industry’s largest published payout track record.