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The5%ers vs Fintokei: Full Comparison

A side-by-side comparison of The5%ers and Fintokei built from our normalised 31-firm dataset. Every figure was read off the firms’ own pages, and each row carries its source and check date. Where we could not verify something we mark it “not verified” rather than leaving it blank.

Key findings

  • The5%ers comes out ahead on Lowest entry fee ($19 vs $44).
  • Fintokei comes out ahead on Profit target (8% vs 10%).
  • The5%ers holds the higher Trustpilot rating (4.7 (35,564) vs 4.3 (1,296)).

Terms compared

Item The5%ers Fintokei
Evaluation model Multiple models Multiple models
Lowest entry fee $19 Better $44
Max profit split 100% 100%
Profit target 10% 8% Better
Daily loss limit The two firms calculate drawdown differently, so the percentages are not directly comparable. 5% 5%
Max drawdown The two firms calculate drawdown differently, so the percentages are not directly comparable. 10% 10%
Drawdown type Static Mixed
Min trading days 3 days 3 days
Payout cycle 14 days 14 days
Payout processing time Not verified 1 days
Max leverage 1:100 1:100
Account sizes $2,500 / $5,000 / $10,000 / $25,000 / $50,000 / $100,000 $5,000 / $10,000 / $20,000 / $50,000 / $100,000 / $200,000 / $400,000
Asset classes forex, indices, crypto, commodities forex, indices, crypto, commodities
Trustpilot 4.7 (35,564) Better 4.3 (1,296)
Third-party payout verification Third-party verified Self-reported only
Recorded rule changes 2 2

The5%ers: Read the review Fintokei: Read the review

How the drawdown works

The5%ers uses a static drawdown while Fintokei uses a mixed one. This is one of the most common reasons an account fails: with a trailing drawdown the limit rises with your open profit, so the same headline percentage leaves less real room.

Third-party payout verification

The5%ers

Third-party verified

On-chain settlement was continuing on the check date. The firm’s own payout documentation is not reachable: help.the5ers.com returns HTTP 404, so the terms governing these payouts cannot be read at source. Payout delays reported by third parties in March 2026 could not be confirmed against any first-party statement we could locate.

The5%ers — homepage (no cumulative payout figure published) · 2026-08-05

Fintokei

€29M+ (2026-04-28) — Self-reported only

Finance Magnates, which carried the figure, stated plainly that the approval rate "has not been independently verified". Fintokei’s own /payouts page is built to display "Cumulative payouts 2025" and "Average payout approval speed", but renders $0 and 0 sec. on the check date, so the site itself substantiates neither. The homepage does publish an average payout of $3,881, a highest payout of $129,032 and an average payout time of 3h 4m. Payouts run by bank transfer, including JPY to Japanese accounts, with a crypto option; nothing settles on a rail a third party can read, and Fintokei is not among the firms Payout Junction tracks.

Finance Magnates — Fintokei declares sub-second trader payouts as prop firm competition intensifies (28 April 2026) · 2026-08-05

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Recorded rule changes

The5%ers

Fintokei

  • Effective 2026-06-03 Before: The original scaling program was, per the EN FAQ, fully retired on 2026-01-21; the successor contract-fee return inside the Loyalty Program ran only to 2026-06-30, leaving the fee-return footnotes on plan pages unsupported. → After: A relaunched Japan-market スケーリング道場 rank system (白帯→黒帯, up to +300% funding, judged by trading days + payout-request count) started 2026-06-03 per the JA FAQ (updated 2026-06-19). Accounts purchased on or after 2026-06-11 regain a contract-fee-return right upon reaching 白帯 (20 trading days + 2 payout requests); purchases up to 2026-06-10 fell under a transition that required a first payout request by 2026-06-30. Fintokei FAQ (JA) — Fintokeiスケーリング道場とは？ (updated 2026-06-19)
  • Effective 2026-01-21 Before: The スケーリング道場 scaling program, with the initial-fee return attached to it. → After: The scaling program was "fully retired" and replaced by the Capital Scaling Boost inside the Loyalty Program. The Loyalty Program contract-fee return ran only to 2026-06-30. Fintokei FAQ — What is Scaling? ("fully retired" as of 21 January 2026)

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Which one fits you

What the data says, priority by priority. The decision is yours; we do not give investment advice.

  • The5%ers comes out ahead on Lowest entry fee ($19 vs $44).
  • Fintokei comes out ahead on Profit target (8% vs 10%).
  • The5%ers holds the higher Trustpilot rating (4.7 (35,564) vs 4.3 (1,296)).

Check current terms on the official sites

The5%ers 公式で詳細を見る

紹介コード「HZZS4」(2026年8月19日時点で割引は0%)

Fintokei 公式サイトを見る

クーポンコード「FINTO5KEI」で5%OFF

FAQ

Which is cheaper to start, The5%ers or Fintokei?
The5%ers is $19 and Fintokei is $44, so The5%ers is the better of the two on Lowest entry fee. This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.
Which one pays the higher profit split?
The5%ers is 100% and Fintokei is 100%.
Which one has the shorter payout cycle?
The5%ers is 14 days and Fintokei is 14 days.
Do they calculate drawdown the same way?
The5%ers uses a static drawdown while Fintokei uses a mixed one. This is one of the most common reasons an account fails: with a trailing drawdown the limit rises with your open profit, so the same headline percentage leaves less real room.
What do their Trustpilot ratings look like?
The5%ers: 4.7 (35,564). Fintokei: 4.3 (1,296). Profiles were checked on 2026-07-31. Where Trustpilot has withheld a rating for a guideline breach we publish no score.

Sources

Data currency

Terms data 2026-06-22 / payout verification 2026-08-05 / rule changes 2026-08-22. Prop firm terms change without notice — always confirm on the official site before you buy.

This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.

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