The5ers and FXIFY both accept UK traders, but they suit different people. This comparison covers the rules, costs, payouts and platforms that decide which firm is the better fit for you, based on each firm’s published terms as of September 2026.
Quick verdict
Choose The5ers if you want a decade-long track record and the best scaling to a 100% split. Choose FXIFY if you want TradingView, MT4 and flexible programs.
Side-by-side comparison
| The5ers | FXIFY | |
|---|---|---|
| Founded | 2016 | 2023 |
| Headquarters | London, UK | United Kingdom |
| Evaluation | High Stakes 2-step (10% / 5%), Growth 1-step (10%), Bootcamp 3-step | One, Two and Three Phase, Lightning, Instant |
| Daily loss | 5% (High Stakes); 3% (Growth) | 3% (One Phase); 5% (Three Phase) |
| Maximum loss | 10% (High Stakes); 6% stop-out (Growth) | 6% trailing that locks (One Phase); static or trailing on Two Phase variants |
| Consistency rule | 3 profitable days per step (High Stakes) | Up to 25% best day on some funded accounts |
| Time limit | None | None |
| Cheapest entry | $19 ($2.5K) | $39 ($5K) |
| Profit split | 80% rising to 100% at $350K (High Stakes) | 80%; 90% add-on; 100% on some plans |
| Payout frequency | Every 14 days | On-demand first payout, then about every 14 days |
| Payout speed | 5–8 business days; 3.5% fee on cash methods | 2026 reports of payout denials |
| Platforms | MT5 | MT4, MT5, DXtrade, TradingView |
| EAs | Check current terms | Allowed on evaluations (not Instant) |
| Our rating | 4.0 / 5 | 3.9 / 5 |
Evaluation rules and drawdown
The5ers offers High Stakes 2-step (10% / 5%), Growth 1-step (10%), Bootcamp 3-step, with a daily loss of 5% (High Stakes); 3% (Growth) and a maximum loss of 10% (High Stakes); 6% stop-out (Growth). FXIFY offers One, Two and Three Phase, Lightning, Instant, with a daily loss of 3% (One Phase); 5% (Three Phase) and a maximum loss of 6% trailing that locks (One Phase); static or trailing on Two Phase variants.
The biggest practical difference is the drawdown. The5ers uses a static maximum loss that never moves up with profits, while FXIFY uses a mix of static and trailing drawdowns depending on the program. After a winning run, the trailing limit leaves you much less room for a pullback. Read our guide to trailing vs static drawdown for worked examples.
Consistency rules. The5ers: 3 profitable days per step (High Stakes). FXIFY: Up to 25% best day on some funded accounts.
Costs
The5ers starts at $19 for $2.5K, while FXIFY starts at $39 for $5K. Fees are charged in USD or EUR, so UK traders should expect a card conversion fee on top. Check whether each firm refunds the fee with your first payout.
Profit split and payouts
| Firm | Profit split | Payout schedule | Speed and methods |
|---|---|---|---|
| The5ers | 80% rising to 100% at $350K (High Stakes) | Every 14 days | 5–8 business days; 3.5% fee on cash methods |
| FXIFY | 80%; 90% add-on; 100% on some plans | On-demand first payout, then about every 14 days | 2026 reports of payout denials |
Look beyond the headline split: payout frequency, withdrawal fees and consistency conditions decide how much you actually receive and when. Both firms pay in USD (or EUR), so UK traders should compare conversion costs across payout methods.
Platforms and strategies
| Firm | Platforms | Expert Advisors (EAs) |
|---|---|---|
| The5ers | MT5 | Check current terms |
| FXIFY | MT4, MT5, DXtrade, TradingView | Allowed on evaluations (not Instant) |
If you already use MetaTrader or run automated strategies, check that your platform and EA are supported before paying for a challenge.
What it costs in pounds
At an illustrative rate of £0.75 per US dollar (check today’s rate and your card’s non-sterling transaction fee):
| Firm | Cheapest entry | Approx. in pounds |
|---|---|---|
| The5ers | $19 | about £14 |
| FXIFY | $39 | about £29 |
Payouts arrive in US dollars (or euros) and are converted to pounds; see how to withdraw prop firm profits in the UK.
Trading from the UK
Forex traders get the most liquidity during the London–New York overlap, roughly 13:00–17:00 UK time. US index futures are busiest after the New York cash open at 14:30 UK time (13:30 for a few weeks in spring and autumn when the clocks change on different dates). Payouts are generally taxable income for HMRC: see prop firm tax in the UK.
Which should you choose?
Both firms had payout concerns raised in 2026, so test small withdrawals at either. The5ers is better for long-term scaling; FXIFY for platform choice.
Visit The5ers Read our The5ers review
Visit FXIFY Read our FXIFY review
The5ers vs FXIFY FAQ
Which is cheaper, The5ers or FXIFY?
The5ers starts at $19 for $2.5K, while FXIFY starts at $39 for $5K.
Which has the better profit split?
The5ers pays 80% rising to 100% at $350K (High Stakes). FXIFY pays 80%; 90% add-on; 100% on some plans.
Which has the easier drawdown rules?
The5ers uses a static maximum loss that never moves up with profits; FXIFY uses a mix of static and trailing drawdowns depending on the program. Static limits are generally easier to manage.
Can UK traders use both The5ers and FXIFY?
Yes. The5ers: Yes. FXIFY: Yes; UK-based brand.
Can UK traders use both The5ers and FXIFY?
Yes. Both firms accept UK residents; confirm eligibility at checkout.
How much does it cost in pounds?
At an illustrative £0.75 per US dollar, The5ers starts at about £14 and FXIFY at about £29.