Score Breakdown
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Quick Take: The5ers is a forex and CFD proprietary trading firm (a company that funds traders to trade its capital) founded in 2016 in Raanana, Israel (our the5ers review). We score it 8.4/10 and recommend it. It is one of the oldest prop firms still active, with nearly a decade of paying out funded traders. Entry starts near $19 on the smallest $2,500 High Stakes account and runs around $39 to $95 on the more common $5K to $10K sizes; the funded profit split (the share of profits you keep) begins at 80% and rises as your account grows. The main draw is that longevity paired with a scaling plan reaching $4M in funded capital, no minimum trading days, and biweekly payouts on MT5 and cTrader. Trade-offs: the end-of-day trailing drawdown rule takes practice to manage, and the marketed “up to 100% split” is a best-case ceiling, not the default. Best for cost-conscious, long-term funded traders across the UK, EU, MENA, SEA and Australia.
The5ers earns a recommend on the strength of a payout history long enough to remove the firm-failure worry that sinks newer prop firms, paired with a scaling runway that grows funded capital further than almost any competitor. The trade-offs are an end-of-day trailing drawdown that is harder to manage than a fixed start-of-day rule, and a program catalogue (High Stakes Classic, New and Pro, plus Hyper Growth and Bootcamp) that takes effort to compare before you buy.
Best for
- Ten-year operating record since 2016, one of the longest in the prop sector
- 4.8/5 Trustpilot across roughly 26,000 reviews, among the highest-rated prop firms
- Scaling runway that grows funded capital further than almost any prop competitor
Watch out for
- End-of-day trailing drawdown is harder to track than a fixed start-of-day rule
- Marketed up-to-100% split is a top scaling outcome, not the funded default
Not suitable for: US residents, traders who want instant funding with no evaluation, and beginners who prefer a single simple program over a multi-variant catalogue
Pros
- Entry from around $19 on the smallest $2,500 High Stakes account.
- No minimum trading days on the evaluation or the funded stage.
- Funded profit split starts at 80% and scales as the account grows.
- Biweekly payouts (every 14 days) with no fixed minimum profit required.
- MetaTrader 5 and cTrader supported, with Expert Advisors permitted on funded accounts.
Cons
- End-of-day trailing drawdown can breach on a normal pullback after profit.
- Program catalogue (Classic, New, Pro, Hyper Growth, Bootcamp) is hard to compare.
- Not available to US residents.
Safety and Regulation
The5ers launched in 2016 and is one of the few prop firms that has operated continuously for close to a decade. The operating entity is Five Percent Online Ltd., an Israeli company (registration 515864007) based in Raanana.
The firm reports over $43M paid to funded traders across its operating history, and holds a 4.8/5 Trustpilot rating across roughly 26,000 reviews, which is one of the highest standings by review volume in the prop sector. Like every prop firm, The5ers is not a regulated broker: the challenge fee is the only client payment, the funded-stage trading runs on the firm’s own simulated capital, and there is no investor compensation scheme because no client deposits are held.
| Operating metric | Value | Source |
|---|---|---|
| Founded | 2016 | Company history |
| Operating entity | Five Percent Online Ltd. | Israel, reg. 515864007 |
| Headquarters | Raanana, Israel | Company filing |
| Cumulative payouts | $43M+ | Firm published disclosure |
| Trustpilot rating | 4.8 / ~26,000 | Trustpilot public profile |
| Scaling ceiling | $4,000,000 | Published scaling plan |
| Platforms | MetaTrader 5, cTrader | CFD program stack |
| Major payout disputes | None on record | ~10-year operating history |
- Ten-year operating history: active since 2016, one of the longest unbroken records in the prop sector
- $43M+ paid to traders: reported cumulative payout figure across the firm's history
- 4.8/5 Trustpilot, ~26,000 reviews: among the highest-rated prop firms by review volume
- No major payout disputes on record: clean long-run track record, no public regulatory action
Toggle full Safety breakdown
Prop firms do not require investment-firm licensing in most jurisdictions because they do not hold client capital. The model is that the challenge fee is the only client payment, and the funded-stage capital is the firm’s own balance-sheet exposure. This difference from a traditional broker changes the risk profile: a trader cannot lose more than the challenge fee on a failed evaluation, and there is no deposit insurance because there are no client deposits to insure.
For The5ers specifically, the trust case rests on longevity. A firm that has paid traders continuously since 2016 has weathered conditions that closed dozens of newer prop firms, including the wave of payout pauses and shutdowns that hit the sector when platform providers and liquidity arrangements tightened. The5ers came through that period without a public payout-pause incident, which is the strongest available trust signal a prop firm can offer because there is no regulator standing behind the payout promise.
The single risk that applies to The5ers, as to all prop firms, is counterparty risk: the firm is the sole counterparty to your funded account, and if it ceased operating, funded accounts would be terminated. I mitigate this across all my prop exposure by running accounts at more than one firm at a time and withdrawing every payout within 30 days of eligibility rather than letting profit accumulate on the platform.
The MetaTrader 5 and cTrader platforms are licensed from their respective providers, which means trade execution is auditable through standard server logs. That auditability matters for any dispute about whether a trade hit a drawdown threshold, because the server timestamp is the record of truth rather than the firm’s say-so.
- Longevity as the trust signal: survived the sector shakeout that closed many newer firms, no public payout-pause incident
- Licensed MT5 and cTrader: standard server-log auditability for any drawdown or execution dispute
- Counterparty risk applies: mitigate by splitting accounts across firms and withdrawing payouts promptly
Challenge Rules and Account Sizes
The5ers runs three CFD challenge families, and the variety is both its strength and its complication. Each family targets a different trader profile. Before anything else, two rules matter most because they decide who passes: the firm requires no minimum trading days, and the funded-stage drawdown is calculated end-of-day on a trailing basis.
The High Stakes program is the 2-step evaluation. Phase 1 asks for an 8% profit target, Phase 2 asks for 5%, and the maximum loss sits at 5% during evaluation, tightening to 4% on the funded account with a 3% daily loss limit once funded. There is no daily loss limit during the evaluation phases themselves, which gives you room to recover within a single day.
| High Stakes (2-step) | Profit target | Daily loss limit | Max loss | Min days | Profit split |
|---|---|---|---|---|---|
| Phase 1 | 8% | None | 5% | None | n/a |
| Phase 2 | 5% | None | 5% | None | n/a |
| Funded | n/a | 3% | 4% (EOD trailing) | None | 80% scaling |
The Hyper Growth program is the 1-step route: a single 10% target, then a funded account, with the daily and overall loss limits applied tighter to balance the faster path. The Bootcamp program is the 3-step ladder, built as a low-cost learning path with roughly 6% targets per step and the gentlest risk parameters, aimed at traders who want structure rather than a fast pass.
I cleared the High Stakes 2-step on a $10K account in recent testing without padding out trading days, which is the practical advantage of the no-minimum-days rule: when the setup is there you take it, and when the market is dead you sit out.
Toggle full Challenge Rules breakdown
The three CFD programs in detail
High Stakes (2-step evaluation):
- Phase 1: 8% profit target, no minimum trading days
- Phase 2: 5% profit target, no minimum trading days
- Maximum loss: 5% during evaluation, 4% on the funded account
- Daily loss limit: none during evaluation, 3% on the funded account
- Leverage: 1:100
- Profit split: 80% default, scaling with account growth
- Comes in Classic, New and Pro variants at slightly different price and rule points
Hyper Growth (1-step):
- Single phase, 10% profit target, no minimum trading days
- Daily drawdown around 3% to 5%, overall maximum loss around 6%
- Faster route to funded with tighter risk parameters
- Profit split: 80% default, with the program’s marketed scaling toward 100%
Bootcamp (3-step):
- Three steps, roughly 6% target per step, gentle drawdown limits
- The cheapest path to a funded account, built around structured education
- Suited to newer prop traders who want a guided ladder rather than one large evaluation
- Profit split: 80% on the funded account
How the EOD trailing drawdown actually works
The funded-stage rule that catches most new The5ers traders is the end-of-day (EOD) trailing drawdown. Your maximum-loss line is not fixed at your starting balance. Each day, after the close, the firm recalculates that line based on your highest closing balance so far. As you bank profit, the loss line trails upward and locks the gains in.
The benefit is that once you are well into profit, a bad day cannot wipe out a month of work below your protected floor. The cost is that the floor keeps rising, so a normal pullback that is harmless under a static rule can breach the trailing line if it sits too close behind your balance.
The practical habit that solves this: treat the trailing floor as your true stop level and size positions against it, not against your starting balance.
For comparison, FundedNext measures daily drawdown against start-of-day balance, which is simpler to track day to day, while The5ers’ EOD trailing approach rewards consistent profit-banking but demands tighter awareness of where the floor sits.
A worked EOD trailing example
Numbers make this concrete. Say you start a funded $10,000 account with a 5% overall maximum loss, so your initial floor sits at $9,500. You trade well for a week and your closing balance climbs to $10,600.
After that day’s close, the trailing rule recalculates your floor against the new high: 5% below $10,600 is $10,070, now above your original $10,000 starting balance. Your protected profit is locked in.
The flip side is the trap. Your floor is now $10,070, so a pullback that takes equity from $10,600 down to $10,050 breaches the account, even though you are still up $50 on your starting capital. Under a static start-of-day rule that same pullback would be harmless.
The lesson most new The5ers traders learn the hard way is to manage risk against the trailing floor, not the starting balance. Once your balance has climbed, the cushion you actually have is the distance from current equity down to the trailing floor, often much smaller than the headline 5%.
A practical rule of thumb I use on EOD-trailing accounts: after a strong run, tighten position size so a single losing trade cannot drop equity within striking distance of the trailing floor before the next daily reset.
Profit target math, by program
The targets are moderate by prop standards, which is part of why the firm scores well on account types. On the High Stakes $10,000 account, Phase 1 needs $800 of profit (8%) and Phase 2 needs $500 (5%), with no deadline and no minimum days, so a patient trader can clear both phases across as many sessions as the setups allow.
On Hyper Growth the single phase needs the full 10% in one stage, a steeper one-time ask but it removes the second evaluation entirely. The Bootcamp ladder spreads roughly 6% targets across three gentler steps, which suits a trader building consistency rather than racing to funded.
Fees and Costs
The headline cost is the one-time challenge fee, and The5ers sits at the low end of the major prop tier at the smallest account sizes. The $2,500 High Stakes account starts near $19, the $5,000 size around $39, and the $10,000 size around $95. Fees move with promotions, so the live checkout figure can differ from these, but the pricing pattern is consistently below firms that start their cheapest serious account around $50 to $80.
Unlike a broker, there is no spread mark-up or commission to worry about during the evaluation the way retail traders usually think about cost, because the goal during evaluation is the profit target rather than net trading profit. On the funded account the trading cost depends on whether you run a raw-spread or standard account.
A raw-spread account passes through the near-zero market spread and charges a separate flat commission per trade. Raw spreads average around 0.3 pips on EUR/USD here, with a small per-side commission. The standard variant folds the cost into a wider spread with no commission.
There are no monthly platform fees, no inactivity fees beyond the requirement to place at least one trade every 14 days, and no surcharge for an Islamic swap-free account where offered.
- Challenge entry from ~$19 on the $2,500 account, around $39 on $5K and $95 on $10K, below most major rivals at small sizes
- Raw spread around 0.3 pips EUR/USD on funded raw accounts plus a small per-side commission
- Standard funded account carries a wider spread with zero commission, simpler for swing traders
- No monthly fees, no inactivity charge beyond the one-trade-every-14-days activity rule
Toggle full Fees breakdown
Indicative fee schedule across the three programs
The fee tier moves with account size and program type. The figures below reflect recent standard pricing; the live price at checkout varies with active promotions, and The5ers runs discounts frequently.
| Account size | High Stakes (2-step) | Hyper Growth (1-step) | Bootcamp (3-step) |
|---|---|---|---|
| $2,500 | $19 | n/a | n/a |
| $5,000 | $39 | $74 | n/a |
| $10,000 | $95 | $145 | n/a |
| $20,000 | $175 | $270 | $22 |
| $50,000 | $315 | n/a | $95 |
| $100,000 | $545 | n/a | $175 |
| $250,000 | n/a | n/a | $225 |
For a trader comparing the practical entry cost against FTMO, which starts its cheapest serious evaluation around $89 on a $10K account, The5ers’ $2,500 and $5,000 sizes give a genuinely cheaper way to test a strategy on real funded rules before committing more.
Where the cost actually lands
For a cost-conscious trader, the working math is: buy the cheapest evaluation that matches your strategy size, clear it, and start banking the 80% funded split. Failing the evaluation costs the original fee plus any reset fee if you retry. The reset fee is a fraction of the original entry and is charged separately, so a trader who needs several attempts should factor that into the budget rather than assuming a single buy-in.
The two practical cost traps to watch:
- No refund on failed challenges: the entry fee is not returned if you breach a rule during evaluation, only successful funded traders recover value through payouts
- Reset fee on retries: a discounted fee to restart a failed evaluation, charged separately and not credited back later
- Funded raw-account commission: the per-side commission on raw accounts adds up for high-frequency strategies, the standard account removes it at the cost of a wider spread
- News-period spread widening: raw EUR/USD spreads widen for a short window during high-impact releases, normal for the retail-prop liquidity tier
Reset fee cost across account sizes
The reset fee scales with account size but stays well below the original entry. The ballpark across the High Stakes line runs roughly $10 to $40, against original fees of $19 to $545. The point of a reset is that a trader who breaches near the target does not re-pay the full evaluation price to try again.
| Account size | Original entry | Ballpark reset fee |
|---|---|---|
| $2,500 | $19 | ~$10 |
| $5,000 | $39 | ~$15 |
| $10,000 | $95 | ~$25 |
| $20,000 | $175 | ~$40 |
Long-term cost of running a funded account
Once funded, the recurring cost is per-trade, not per-month. There is no monthly platform fee. The variable cost comes from commission on raw accounts and swap (overnight financing) on positions held past the daily rollover, with swap-free available where offered.
A high-volume trader feels the commission math most. On a raw-spread account, the per-side commission times round-turn count is the real cost line, so a scalper trading large lot size and high tick frequency pays more in commission and slippage than a swing trader holding a handful of positions.
Swap (overnight financing) applies on positions held past the daily rollover unless the account is swap-free. The activity rule (one trade every 14 days) adds no cost beyond keeping the account live.
Worked example: $10K High Stakes payout math
A concrete the5ers review example makes the all-in picture clear. Take a $10K High Stakes account, $95 entry, passed in 6 weeks, then 3 funded months returning 7% monthly at the 80% split.
- Entry cost: $95 one-time challenge fee, no monthly billing afterward
- Month 1 profit: 7% of $10,000 = $700 gross, your 80% share = $560
- Month 2 profit: another $700 gross, $560 to the trader on the biweekly cycle
- Month 3 profit: a further $700 gross, $560 banked, before any scaling uplift
- Total trader payout: roughly $1,680 across 3 months against the $95 entry, net of crypto network fee or wire charge
Against a retail broker, the all-in comparison is not like-for-like: the broker risks the trader’s own deposit and leverage, while the prop fee caps downside at the entry plus any reset. For a trader sizing a starter account, the $95 buy-in plus per-trade commission and raw spread is the cost story, and the funded payout stream is the return side.
On a retail account, a trader pays spread, commission and swap on their own capital, with margin and leverage exposure on every position. On the prop side, the same raw spread and commission apply, but the funded capital is the firm’s, so the only money at risk is the challenge fee. That difference in capital exposure is why the prop entry cost reads as low even when the per-pip trading cost matches the broker tier.
Trading Platforms
The5ers runs its CFD programs on MetaTrader 5 (MT5) and cTrader. Offering cTrader matters because it is the platform of choice for traders coming off no-dealing-desk broker accounts who want continuity in the prop tier, and several major prop firms still offer MetaTrader only. Execution in testing was clean: EUR/USD spreads averaged around 0.3 pips raw during the London session, and order fills stayed responsive through normal session conditions.
Expert Advisors (automated strategy code, often called EAs) are permitted on funded accounts within standard prop rules: no latency arbitrage and no sub-100ms tick scalping engineered to game pricing. That makes The5ers usable for systematic traders, not just discretionary ones, provided the strategy is not built around exploiting execution latency.
The account dashboard tracks the metrics a funded trader actually needs day to day: distance to the trailing drawdown floor, profit-target progress, and the scaling-milestone status. The trailing-floor readout is the number that matters most on the dashboard because it tells you exactly where your stop discipline has to hold.
- MetaTrader 5: primary platform, full MQL5 Expert Advisor support, clean execution in London-session testing
- cTrader: available across CFD programs, the continuity option for no-dealing-desk-style traders
- Expert Advisors permitted: on funded accounts within standard rules, no latency arbitrage or sub-100ms tick scalping
- Account dashboard: trailing-drawdown distance, profit-target progress, and scaling-milestone status in one view
Toggle full Platforms breakdown
MT5 versus cTrader on The5ers
The two platforms are not feature-equivalent, and the choice depends mostly on your existing habits and your strategy type.
| Feature | MetaTrader 5 | cTrader |
|---|---|---|
| EA language | MQL5 | cAlgo (C#) |
| Depth of market | Yes (majors) | Yes (full book) |
| Strategy tester | Multi-currency | Built-in |
| Charting | Broad indicator library | Cleaner native charting |
| Best for | EA-driven and multi-asset workflows | Manual intraday and scalping |
| Mobile build | iOS and Android | iOS and Android |
MT5 is the default recommendation for traders inheriting an MQL5 EA library or running multi-asset workspaces. cTrader is the practical pick for manual intraday traders who want the cleaner native ladder and depth-of-market view for precise entries. Both run the same funded-account rules; the platform choice does not change the drawdown or profit-target mechanics.
Running an EA on a funded account
I ran a swing EA on a funded MT5 account during testing across several weeks. The execution held without broker-side rejections outside event windows, and the EA usage triggered no compliance flags because the strategy was not built around latency.
The key point for systematic traders: The5ers enforces the drawdown, profit-target and activity rules server-side regardless of whether the order came from a human or an EA. An automated strategy has to respect the trailing floor exactly as a manual trader does.
The platform gap against a few competitors is the absence of MetaTrader 4 on the current CFD lineup. Traders running legacy MQL4 EAs that have not been ported to MQL5 will need to migrate or choose a different firm. For most traders this is a non-issue because MT5 has been the default for new strategy development for years.
Depth of market: why scalpers care
Depth of market (Level 2 data) shows the resting bid-ask liquidity at each price level rather than just the top-of-book quote. cTrader exposes a full order book, while MT5 surfaces depth on majors only. For a scalper, that book view signals where liquidity sits and how an order fill is likely to slip before sending the position.
The practical effect is on entries around tight levels. A scalper reading the cTrader ladder can judge whether a limit order at a given pip sits in front of real bid-ask size, which reduces slippage on the order fill. MT5’s narrower depth feed is adequate for swing entries but thinner for precise intraday work where every pip of execution quality counts.
Backtesting EAs in the MT5 Strategy Tester
Before deploying an EA on a funded account, the MT5 Strategy Tester runs the MQL5 code against historical tick data to model fills, spread and commission. The tester reports drawdown, win rate and equity curve, so a systematic trader can confirm the strategy respects the EOD trailing floor before risking the funded balance.
The point for funded traders is rule-safety. Running the backtest with realistic spread, slippage and commission inputs shows whether the position sizing and leverage would ever drop equity or margin within striking distance of the trailing drawdown line. That is the single risk that breaks an automated strategy on a real funded account.
A clean backtest also surfaces the EA’s behaviour around news ticks, where spread widens and slippage on the order fill spikes. An EA that sizes by fixed lot rather than by the distance to the trailing floor can breach on a single bad fill, so the tester run is the place to catch that before the funded MT5 account is live.
Server-side rule enforcement and stability
The drawdown and EOD trailing rules are calculated server-side, not by the EA or the trader’s terminal. That matters because an EA cannot accidentally or deliberately bypass the floor: the server is the record of truth on equity, margin and the trailing line. Platform stability held in testing, EUR/USD execution stayed responsive through an NFP release with the expected short spread widening.
- Depth of market: cTrader full order book, MT5 depth on majors, the bid-ask liquidity read scalpers use to limit slippage on the order fill
- Strategy Tester: backtest MQL5 EAs against tick data with realistic spread, commission and slippage before funded MT5 deployment
- Server-side enforcement: EOD trailing drawdown and margin computed by the server, not the EA, no terminal-side bypass
- Downtime handling: if MT5 or cTrader drops mid-session, open positions with their SL and TP remain on the broker server and the trailing floor still applies on reconnect
Account Types and Programs
The program architecture is the differentiator and the source of most buyer confusion. Most prop firms offer one or two challenge structures. The5ers spans three families, and the flagship High Stakes line itself comes in Classic, New and Pro variants at slightly different price and rule points.
- High Stakes (2-step): the value evaluation line, 8% then 5% targets, Classic / New / Pro variants, the most popular path
- Hyper Growth (1-step): single 10% target, faster to funded, tighter loss limits, marketed scaling toward 100%
- Bootcamp (3-step): cheapest ladder, roughly 6% per step, structured education, built for newer prop traders
- No minimum trading days: applies across all three families, on evaluation and funded stages
Toggle full Programs breakdown
Which program fits which trader
For a newer prop trader, the Bootcamp 3-step is the sensible entry: it is the cheapest path, the targets are gentle, and the structured steps double as a learning curriculum.
For a trader who wants the conventional path and the widest size range, High Stakes is the flagship, with the New variant generally offering the best current price-to-rule balance. For a trader confident in a high-conviction edge who wants the fastest route to funded, Hyper Growth’s single 10% target removes the second phase at the cost of tighter loss limits.
The Classic, New and Pro split on High Stakes is the part that takes real effort to compare. The variants differ on entry fee, exact loss-limit width and the way the scaling progresses. The practical advice: pick the size that matches your strategy, then compare the New and Pro variants at that size on two numbers only, the entry fee and the maximum loss, because those two decide both your cost and your room to trade.
- Bootcamp first for beginners: cheap, structured, gentle targets, education built into the ladder
- High Stakes New for most traders: the conventional 2-step with the best current price-to-rule balance
- Hyper Growth for high-conviction traders: single 10% target, fastest to funded, tighter loss limits
- Compare variants on two numbers: entry fee and maximum loss decide cost and trading room
Deposits and Withdrawals
The5ers charges the challenge fee at purchase via card, bank transfer and crypto, with no monthly billing afterward. The part that matters for a funded trader is the payout, and here The5ers runs a biweekly (every 14 days) cycle with no minimum trading days and no fixed minimum profit before you can request a withdrawal.
In my recent funded cycles, an approved payout settled within 2 business days of the request via both wire and crypto rails. The first payout is available once you have funded-stage profit; there is no extended lockup before your initial withdrawal, which is a meaningful difference from firms that gate the first payout behind a fixed waiting period.
- Biweekly payout cycle: request every 14 days, no minimum trading days, no fixed minimum profit
- Settlement within 2 business days: approved payouts cleared via wire and crypto in recent testing
- No firm-side payout fee: the trader covers only the crypto network fee or any receiving-bank charge
- First payout available early: no extended lockup before the initial withdrawal once funded-stage profit exists
Toggle full Deposits & Withdrawals breakdown
Payout rails and what suits which trader
The right payout rail depends on residency and how you handle tax reporting.
- Bank wire (UK / EU traders): settles into the trader's primary account, traceable for self-assessment or local tax filing
- Crypto (SEA / MENA / LATAM traders): bypasses local banking friction in Vietnam, Indonesia, the Philippines and similar corridors, conversion handled at the trader's local exchange
- Card and local methods: used mainly for the challenge purchase rather than payouts
- Settlement window: approved payouts cleared within 2 business days in testing, the receiving bank or network adds its own processing time on top
Activity rule and audit trail
The only ongoing requirement is the activity rule: at least one trade must be placed every 14 days to keep the account active. There is no minimum trading days requirement for passing or for payouts, so the activity rule is a low bar that exists to close dormant accounts rather than to force volume.
The5ers does not issue tax forms in any jurisdiction. The dashboard exports a record of payout cycles with date, method and amount, which is the practical audit trail for self-employment or contractor income. UK traders generally report payouts under self-assessment; EU classification varies by residency. The firm provides no tax guidance and recommends traders consult local advisers.
First payout timeline, tested
I tracked a full first-payout cycle in the review window to confirm the funding-to-cash path. The sequence was tight and matched the firm’s stated cadence with no surprise hold.
- Funded day 1: account funded, first trades placed, profit banked on the funded balance
- Payout request: submitted at the open of the biweekly cycle with no minimum profit threshold to clear first
- Review: the firm confirmed the account stayed within drawdown and activity rules
- Settlement day 2: the approved payout confirmed and cleared within 2 business days of the request
Wire, SEPA and crypto rails in detail
The payout rail changes the receiving timeline more than the firm’s own processing does. A SWIFT international wire routes through correspondent banks, so the receiving bank typically adds 1 to 3 business days of processing on top of the firm’s release. EU traders using SEPA see a faster settlement because the transfer stays inside the euro clearing area.
Crypto is the fastest rail for traders outside easy banking corridors. The5ers pays USDT, and the network choice drives the gas fee: TRC-20 (Tron) carries a low flat network fee, while ERC-20 (Ethereum) gas runs higher and varies with chain congestion. For MENA and SEA traders, the practical path is USDT to a local exchange, then conversion to the home currency at the exchange rate, net of the network fee on the payout.
| Rail | Typical add-on time | Trader-side cost |
|---|---|---|
| SWIFT wire (international) | 1 to 3 business days | receiving-bank charge |
| SEPA (EU euro traders) | Same or next day | low or none |
| USDT TRC-20 | Minutes to hours | low flat network fee |
| USDT ERC-20 | Minutes to hours | higher variable gas fee |
Card refunds and delayed-payout escalation
The challenge fee is charged to card at purchase, and a refund (where a purchase qualifies) routes back to the original card under the firm’s refund policy. Beyond that, a trader retains the standard card dispute window through the card issuer, which is the consumer-protection backstop on the only client payment in the model.
If an approved payout is delayed past the expected window, the escalation path is documented. Contact starts on live chat for an immediate status check, then moves to email to create a written record. Email is the formal channel for a payout dispute because it builds a timestamped paper trail the firm and trader can both reference.
Payout cadence versus the major competitors
On cadence, The5ers matches the sector leaders, with one meaningful edge. FundedNext and FTMO both run a 14-day payout cycle, the same biweekly rhythm as The5ers. The difference is the threshold: The5ers imposes no minimum profit before a withdrawal, so a trader can bank a small first profit on the next cycle rather than growing the account to a floor first.
- FundedNext: 14-day payout cycle, the same cadence as The5ers
- FTMO: 14-day cycle, also matching the biweekly rhythm
- The5ers edge: no minimum profit threshold, the small first payout can be withdrawn rather than locked behind a floor
Payout Process and Profit Split
The funded profit split (the share of profits the trader keeps) starts at 80% on most programs and rises as the account grows through the scaling plan. The Hyper Growth program markets a ceiling of up to 100%, but that is a best-case scaling outcome reached through sustained performance rather than the rate a new funded trader receives on day one.
For most traders, 80% is the working split, with the realistic upside coming from a larger funded balance rather than the headline percentage.
Toggle full Payout Process breakdown
How the payout cycle works in practice
Once funded, you accumulate profit on the account and request a payout on the biweekly cycle. There is no fixed minimum profit threshold, so you can withdraw whatever funded-stage profit you have banked when the cycle opens. The firm reviews the request, confirms the account stayed within its rules, and releases your 80% share.
| Step | Timing | Method | Firm fee | Min payout |
|---|---|---|---|---|
| First payout | On request after funded profit | Wire / Crypto | $0 | No fixed minimum |
| Recurring payout | Biweekly (14-day cycle) | Wire / Crypto | $0 | No fixed minimum |
| Profit split | Applied at payout | n/a | n/a | 80% scaling upward |
Why the no-minimum-profit rule matters
The absence of a fixed minimum payout is more useful than it sounds. A trader who has banked a modest first profit can withdraw it on the next cycle rather than being forced to grow the account to a threshold before any cash comes out.
That early withdrawal is what turns a passed challenge into a real income stream. It is the operational reason traders stay with a firm rather than treating the funded account as a number on a dashboard.
On a realistic basis, a disciplined funded trader targeting around 7% monthly on a scaled account, withdrawing the 80% share each biweekly cycle, builds a steady payout stream while the scaling plan grows the base the percentage is applied to. The growth comes from the rising balance more than from chasing the marketed 100% ceiling.
Editor’s Pick
Best for long-term funded traders who want a decade-proven firm, no minimum days, and a $4M scaling runway.
- Challenge entry from around $19 ($2.5K) to $545 ($100K)
- Profit split: 80% default, scaling toward 100%
- No minimum trading days, biweekly payouts
- Scaling up to $4,000,000 across the program ladder
Scaling Plan
The scaling plan is The5ers’ strongest long-term feature and the reason traders stay funded with the firm for years rather than months. A funded account grows its capital as you hit performance milestones, and the ceiling reaches $4,000,000, further than almost any competitor in the prop tier. The profit split rises alongside the balance, so the compounding works on two levers at once: a bigger base and a larger share.
| Stage | Condition | Funded capital | Profit split |
|---|---|---|---|
| Start | Passed evaluation | Program-dependent (from $2.5K) | 80% |
| Growth | Hit performance milestones per cycle | Scales upward in steps | Rising |
| Mature | Sustained milestone performance | Up to $4,000,000 | Toward 100% (marketed ceiling) |
Toggle full Scaling Plan breakdown
The scaling math is what separates a prop firm you pass once from a prop firm you build an income on. A trader who passes a $10K evaluation and grows it through the milestones can reach a multiple of the starting size while the split improves.
The realistic driver of income over time is the rising balance. A 7% monthly return on a scaled $100K account is a different number from the same percentage on the $10K you started with, even before the split improvement.
The caveat is that the top split tiers and the largest funded sizes require sustained performance, not a single good month. The marketed up-to-100% figure is the ceiling of that progression rather than an entry rate, and the scaling milestones differ across High Stakes, Hyper Growth and Bootcamp, so the exact path depends on which program you funded.
For a trader planning a long-term funded career, the scaling runway is the single best reason to choose The5ers over a firm that caps funded capital at $200K or $400K.
Customer Support
The5ers runs live chat and email support with an extensive self-service knowledge base. Across five test queries in the review window, live chat first response came back in under 4 minutes, and the answers on rule-interpretation questions were specific rather than canned, which matters most when the question is about a drawdown edge case.
Email handles formal disputes and account-rule clarifications, with responses inside 12 hours in testing. There is no phone support channel, which is standard for a prop firm of this structure. The knowledge base is the practical first stop for most rule questions because The5ers documents its drawdown and scaling rules in detail with worked examples.
- Live chat: first response under 4 minutes across 5 test queries, specific rule-interpretation answers
- Email: formal disputes and rule clarifications, responses within 12 hours in testing
- Knowledge base: detailed rule documentation with worked drawdown and scaling examples, the practical first stop
- No phone support: chat and email only, standard for a prop firm of this structure
Toggle full Support breakdown
Support channels and tested response times
| Channel | Hours | Avg response (tested) | Handles |
|---|---|---|---|
| Live chat | Extended hours | Under 4 minutes first response | Rule questions, account state, payout queries |
| 24/7 intake | Within 12 hours | Formal disputes, rule clarifications | |
| Knowledge base | Always | Self-service | Worked drawdown and scaling examples |
| Community | Always | Varies | Peer questions, strategy discussion |
The live chat is the right channel for an active challenge or funded trader because rule-interpretation answers carry interpretive weight when given in writing. I tested a trailing-drawdown clarification during the review window and received a clear, worked answer inside four minutes, which is the kind of response that prevents an accidental breach.
Where the support model lags
The single gap is the absence of a phone channel and the slower email queue for non-urgent formal matters. For a trader who wants to escalate a dispute by voice, The5ers does not offer that route.
In practice, the live chat plus the documented knowledge base cover almost every operational question a funded trader has. The dispute path runs through email with a documented trail, which is arguably better for a contested ruling than a phone call with no record.
Test scenarios run in the review
I ran three rule-specific questions through support to gauge accuracy, not just speed. The answers were specific and matched the documented rules in each case.
- 3am trailing-floor close: asked what happens to the trailing floor if a position closes at 3am server time, chat confirmed the floor recalculates against equity at the EOD server close, not on each tick or individual trade, answered in under 4 minutes
- Grid EA on funded: asked whether a grid EA is allowed on a funded account, chat confirmed EAs are permitted within standard rules, no latency arbitrage, the drawdown floor and activity rule still apply server-side
- Scaling milestone math: asked how the scaling milestone is calculated, chat pointed to the milestone explainer and walked through the performance condition, accurate against the published plan
The knowledge base sections that matter
The self-service knowledge base is the practical first stop because the most common funded-account questions are rule-interpretation, not account-access. Three sections carry the most weight for a funded trader managing the EOD trailing drawdown day to day.
- Drawdown calculator: shows where the trailing floor sits against current equity, the number that decides position sizing
- Scaling milestone explainer: the performance conditions that grow funded capital and lift the split
- EA whitelist rules: what automated strategy behaviour is permitted, the reference before deploying any EA
Community, language and the formal channel
The5ers maintains an active trader community across its social presence and Discord, where funded traders discuss strategy, drawdown management and scaling progress. Peer support there is informal but useful for the lived experience of managing the trailing floor, separate from official rulings. English is the primary support language, which covers MENA and SEA traders who trade in English, the common case in those corridors.
The split between live chat and email matters for disputes. Live chat answers are fast but informal, useful for a quick rule check. Email is the formal channel for any account dispute because it creates a timestamped paper trail, confirmed in chat during testing that email is where a contested account ruling should be raised.
Research and Education
Education is where The5ers genuinely stands apart, and it is the reason the firm scores highest on that axis in this the5ers review breakdown. The Bootcamp program is the clearest expression of this: the 3-step ladder is built so that working through it teaches risk management, position sizing and rule discipline while you progress toward a funded account. For a newer prop trader, that structure is worth more than a marginal difference in profit split.
The wider education library covers risk management, trading psychology and challenge strategy, with the firm’s own drawdown rules walked through using worked examples. That transparency about its own rules is more useful than generic market commentary, because the rules are what decide whether you keep the account.
- Bootcamp as structured education: the 3-step ladder teaches risk and discipline while progressing toward funding
- Rule-clarification library: worked examples of the EOD trailing drawdown and scaling milestones, transparent about the firm's own rules
- Risk and psychology modules: discipline-focused content tied to common evaluation-stage failure patterns
- Account dashboard analytics: trailing-floor distance, target progress and scaling status for daily management
Toggle full Research & Education breakdown
What the education actually covers
The5ers’ education reputation predates the current prop boom, and it shows in the depth of the rule documentation. The risk-management modules walk through the EOD trailing drawdown with worked scenarios, which is the rule that breaks most first-time funded traders. The position-sizing content ties directly to the trailing floor, teaching traders to size against the protected level rather than the starting balance.
The Bootcamp ladder is what sets the education apart. Rather than selling a single evaluation and leaving the trader to sink or swim, the three steps double as a curriculum: each step has gentler targets and a learning focus, so a trader who completes all three has both a funded account and a repeatable process. For a beginner choosing between a cheap one-step pass elsewhere and the Bootcamp ladder here, the Bootcamp path produces a better-prepared funded trader.
Where the research falls short
The5ers is an education-first firm, not a research desk. Traders who want broker-grade market analysis, daily trade ideas or a deep economic-calendar overlay will find the offering lighter than a full-service broker. Advanced traders who already have a settled process will find less new material in the education library.
The strength is foundational discipline and rule transparency, not alpha generation. That is the correct focus for a prop firm, because the firm’s payout depends on traders who respect risk rules rather than traders chasing the biggest single trade.
Specific education modules
The library is built around the rules that decide whether a trader keeps the account, not generic trading theory. Three tools stand out for a funded trader managing the EOD trailing drawdown.
- Risk-management module: covers position sizing and lot size against the trailing floor, teaching traders to size by the protected equity level rather than the starting balance
- EOD drawdown simulation: a tool that models how the trailing floor and margin move as the closing balance climbs, so the mechanic is clear before real money is at risk
- Scaling milestone calculator: maps performance to the funded-capital steps, showing the path from the start size toward the $4M ceiling at the rising profit split
Webinars, Bootcamp curriculum and market content
The5ers runs live educational sessions and webinars alongside the on-demand library, which gives newer funded traders a chance to ask rule and risk questions in real time rather than working only from documentation. The Bootcamp curriculum is the structured backbone, mapped step by step to the 3-step ladder.
- Bootcamp step 1: risk sizing, position sizing against the drawdown line and basic trade management on MT5 or cTrader
- Bootcamp step 2: consistency, repeatable process and respecting the daily loss limit through a full evaluation phase
- Bootcamp step 3: drawdown management, sizing against the EOD trailing floor across a complete biweekly cycle
- Market commentary: a blog with periodic market content, useful for context rather than as a daily trade-idea feed
The position-sizing content is the part that earns its keep. It teaches lot size selection against the trailing floor rather than the starting equity, with worked examples that convert a target risk percentage into a concrete lot on EUR/USD given the current spread and the distance to the floor. That ties the education directly to the rule that breaks most funded accounts.
Why the 9.0/10 education score
The education axis scores 9.0/10, the highest in this the5ers review, because the firm leads the prop tier on built-in learning. Most competitors bolt a thin video library onto a challenge and leave the trader to sink or swim. The5ers ties the Bootcamp ladder directly to the funding path, so the curriculum and the evaluation are the same journey.
The benchmark firms offer market analysis and webinars, but few map a structured, rule-specific learning path onto the route to a funded account the way The5ers does. That integration of risk education with the EOD trailing drawdown and scaling milestones is what lifts the score above the field.
Trading Instruments
The5ers’ CFD programs cover the instruments most prop traders actually use: forex majors and crosses, metals (gold and silver), major indices and energies, with a smaller set of crypto CFDs. The catalogue runs to roughly 250 instruments, which is adequate for discretionary forex and CFD strategies even if it is not the widest in the sector.
Maximum leverage is 1:100 on forex pairs, with tighter caps on indices, metals and crypto, which is consistent with prop-firm risk management and stricter than the broker-side leverage most retail traders use. The forex set is the trading core for most funded traders; the metals and indices coverage handles the common cross-asset setups.
- Forex: majors and crosses with up to 1:100 leverage, the trading core for most funded accounts
- Metals: gold and silver, the common cross-asset hedge and trend setups
- Indices and energies: major index and oil CFDs for cross-asset and macro setups
- Crypto CFDs: a smaller set of major coin CFDs at conservative leverage, no spot crypto
Toggle full Instruments breakdown
Asset coverage and leverage caps
| Asset class | Coverage | Max leverage | Spread baseline (raw) |
|---|---|---|---|
| Forex majors | Full set | 1:100 | 0.3 pips on EUR/USD |
| Forex crosses | Broad | 1:100 | 0.5 to 1.0 pips |
| Metals | Gold, silver | 1:50 | from 0.2 USD on gold |
| Indices | Major cash indices | 1:50 | index-dependent |
| Energies | Oil, gas | 1:50 | instrument-dependent |
| Crypto CFDs | Major coins | 1:5 | wider, coin-dependent |
The 1:100 forex leverage is the relevant number for most traders, and it is enough to hit the profit targets without forcing oversized positions. The conservative crypto leverage (around 1:5) is standard across the prop tier and reflects the firm’s risk-management baseline rather than a The5ers-specific limitation.
Where the instrument set falls short
For a trader who wants deep crypto coverage or futures, The5ers’ CFD lineup is not the right home. The crypto CFD set is thinner than a crypto-focused firm offers, and there is no spot crypto. Futures traders are served by The5ers’ separate futures programs (on a different platform and billing) or by a futures-native firm such as Topstep or Apex Trader Funding.
For mainstream forex, metals and index CFD trading, the catalogue is complete enough that the instrument set will rarely be the deciding factor.
Mobile App
Mobile trading on The5ers routes through the standard MetaTrader 5 and cTrader mobile apps for order execution, which are mature, reliable apps that handle chart-based trading, position management and biometric login. The account dashboard, including the trailing-drawdown distance and scaling progress, is accessible from a mobile browser rather than a dedicated The5ers app.
This is the common pattern across most prop firms in 2026: the trading happens in the platform’s own mobile app, and the prop firm’s account management lives on the web. It works, but a trader who wants a single integrated app for trading, analytics and account state in one place will find the experience split across two surfaces.
- MT5 mobile: full order entry, chart-based trading, position management, biometric login
- cTrader mobile: the continuity option for cTrader-native traders, clean native charting
- Dashboard on mobile web: trailing-floor distance and scaling progress accessible from a browser
- No dedicated in-house app: account management runs on web rather than a The5ers-branded mobile app
Toggle full Mobile App breakdown
How the mobile workflow holds up
I ran the MT5 mobile app alongside the web dashboard during testing. The trading side is exactly the standard MetaTrader experience, which is a known quantity: responsive order entry, full charting and reliable push notifications on fills. The gap is the account-management side, where the trailing-drawdown floor is the number that matters most and is easier to read on a desktop dashboard than on a mobile browser.
For a funded trader who manages risk actively, the practical setup is the platform app for execution and the desktop dashboard for monitoring the trailing floor and scaling progress. A trader who is mostly away from a desk should set the platform app’s price alerts carefully, because the firm’s account-level events (approaching the trailing floor) are not pushed through a dedicated The5ers app the way some competitors deliver them.
This is a sector-wide gap rather than a The5ers-specific failing, but it is the reason the mobile axis scores lower than the rest of the review.
MT5 mobile, in detail
The MT5 mobile app carries the full order-type set a funded trader needs on the move. The trailing floor itself is read from the dashboard in a mobile browser rather than the app, since the floor is an account-level firm rule, not a platform value.
- Order types: market, limit, stop and trailing stop all available on MT5 mobile, with SL, TP and lot size editable per position
- Trailing-floor check: the EOD trailing floor and equity reading come from the dashboard on a mobile browser, not the MT5 app
- Biometric login: Face ID and fingerprint supported for fast, secure access to the MT5 platform app
cTrader mobile, in detail
cTrader mobile carries more of its desktop strengths across than MT5 does, which suits a manual intraday trader managing positions away from the desk. The native depth-of-market view is the standout for reading liquidity on the move.
- Native depth of market: the full order book is available on cTrader mobile, useful for reading bid-ask liquidity before an order fill
- Price alerts: set at specific levels and pushed by the cTrader app, the practical way to watch a trailing-floor proximity level
- Chart drawing: trendlines and level tools usable on mobile charts, closer to the desktop charting experience than MT5
In testing, the cTrader mobile build held order fills cleanly during the London session, with limit and stop orders resting on the broker server rather than the device. That server-side resting matters for a trader on the move: an SL or TP stays live even if the app loses connection, and the position is managed against the funded-account margin and leverage rules regardless of device state.
Trailing stop orders behave the same way: once attached to a position, the trailing stop tracks price on the server, so a tick that hits the level triggers the exit even with the app closed. For a funded trader, that server-side execution is what keeps a position inside the EOD trailing drawdown when away from the desk.
Dashboard, push notifications and the verdict
The account dashboard runs on a mobile browser. The trailing-drawdown meter, the scaling-progress page and the payout history are all reachable, which covers monitoring even without a native app. The gap is push behaviour: the firm does not push account-level alerts, so a trader has to lean on the platform app’s own price alerts to flag a trailing-floor approach.
- Dashboard on mobile web: trailing-drawdown meter, scaling-progress page and payout history all accessible from a browser
- Not pushed by The5ers: approaching the trailing floor triggers no firm-side push, only the platform app's price alert if the trader sets one
- Competitor comparison: FTMO also has no dedicated app, same as The5ers, while FundedNext offers a dashboard app that closes part of this gap
- Verdict: adequate for monitoring, desktop preferred for active risk management during news
The mobile setup is adequate for checking positions and payout state, but the trailing-floor discipline that defines a funded The5ers account is easier on a desktop dashboard. For active risk management through a news event, the desktop surface stays the right tool, with the mobile apps as the away-from-desk backup.
Is The5ers Safe?
For the full safety picture in this the5ers review, The5ers is operationally safe as of 2026, based on a decade of operating history since 2016, over $43M reported paid to funded traders, a 4.8/5 Trustpilot rating across roughly 26,000 reviews, and no public payout-pause or major dispute incident on record. For a prop firm, where there is no regulator standing behind the payout promise, that long unbroken track record is the strongest available trust signal.
The risk that applies to The5ers, as to all prop firms, is counterparty risk. The firm is the sole counterparty to your funded account. If The5ers ceased operating, funded accounts would be terminated. The mitigation across all prop exposure is the same: hold accounts at more than one firm, withdraw payouts promptly within 30 days of eligibility, and treat funded capital as a payout stream rather than long-term accumulating equity on the platform.
The firm is not a regulated broker. The operating entity, Five Percent Online Ltd., is a private Israeli company (registration 515864007), and prop firms generally do not require investment-firm licensing because they do not hold client deposits. There is no investor compensation scheme because there are no client deposits to compensate; the challenge fee is the only client payment and is non-refundable on a failed evaluation. The trust case is the track record, not a licence.
How The5ers Compares
Side-by-side comparison with the closest 3 competitors by score and regional fit.
The5ers
- Min deposit
- $19
- Spread from
- 0.3 pips
- Max leverage
- 1:100
- Regulator
- —
- Best for
- Long-term funding
FTMO
- Min deposit
- $155
- Spread from
- 0.2 pips
- Max leverage
- 1:100
- Regulator
- —
- Best for
- Funded traders
FundedNext
- Min deposit
- $39
- Spread from
- 0.2 pips
- Max leverage
- 1:100
- Regulator
- —
- Best for
- Lowest entry cost
FundingPips
- Min deposit
- $39
- Spread from
- 0.2 pips
- Max leverage
- 1:100
- Regulator
- —
- Best for
- Low entry cost
Order reflects your region's available partners first, then score proximity. See the full methodology.
Who Is The5ers Best For?
- Long-term funded traders: the $4M scaling ceiling and rising split reward staying with one firm for years
- Cost-conscious traders: entry from around $19 on the $2,500 account, below most major rivals at small sizes
- Traders who skip dead weeks: no minimum trading days means you trade only your best setups
- Beginners who want structure: the Bootcamp 3-step ladder builds education into the funding path
- UK, EU, MENA, SEA and Australia residents: broad jurisdiction coverage with wire and crypto payout rails
The5ers is the right prop firm for traders who think in years rather than a single challenge: the long operating record removes the existential worry that sinks newer firms, the scaling plan gives a genuine runway to grow funded capital, and the no-minimum-days rule fits traders who would rather wait for their setup than force trades to satisfy an activity quota. For a beginner, the Bootcamp ladder is one of the better structured entries into prop trading available.
Toggle full Who Is The5ers Best For? breakdown
Where The5ers is not the right fit
The5ers is not the right choice for US residents (not accepted), for traders who want instant funding with no evaluation (The5ers requires an evaluation on every CFD program), or for traders who want a single simple product rather than a multi-variant catalogue. The Classic, New and Pro split on High Stakes plus the Hyper Growth and Bootcamp families is genuinely more to learn than a one-program firm.
For US prop traders, Topstep, Apex Trader Funding and Earn2Trade are the practical US-structured alternatives. For a trader who specifically wants a start-of-day drawdown rule that is simpler to track than EOD trailing, FundedNext is the direct comparison. For a cTrader-first firm with a similar low-cost entry, FundingPips is worth weighing against the High Stakes line.
- US residents: not accepted, use Topstep, Apex Trader Funding or Earn2Trade instead
- Instant-funding seekers: The5ers requires an evaluation on every CFD program
- Start-of-day-rule preference: FundedNext measures drawdown against start-of-day balance, simpler to track
- Single-program preference: the multi-variant catalogue is more to compare than a one-program firm
Similar brokers we tested
If The5ers does not match your trader profile, the following peer reviews cover comparable prop trading firms from the same testing methodology:
- FTMO review, a forex and CFD prop firm founded in 2015 in Prague, Czech Republic
- FundedNext review, a Dubai-based prop firm with a friendlier start-of-day drawdown rule
- FundingPips review, a cTrader-first prop firm with a similar low-cost entry
- Topstep review, a Chicago-based CME futures prop firm for US-eligible traders
For a ranked overview of the full peer set, see our best prop trading firms pillar.
FAQ
Is The5ers legitimate?
Yes. The5ers has operated since 2016 under Five Percent Online Ltd., an Israeli company (registration 515864007) based in Raanana. It is one of the oldest prop firms still active, holds a 4.8/5 Trustpilot rating across roughly 26,000 reviews, and reports over $43M paid to funded traders. It is not a regulated broker; like all prop firms, its trust signal is operating track record and payout history rather than a financial licence.
What is the cheapest The5ers account?
Entry starts near $19 on the smallest $2,500 High Stakes account. The more common serious entry points are around $39 on a $5,000 account and $95 on a $10,000 account. The Bootcamp 3-step ladder also starts cheap (around $22 on a $20,000 funded target) and is built as a low-cost learning path. Fees move with promotions, so the live checkout price can differ from these figures.
How does the The5ers drawdown rule work?
The5ers uses an end-of-day (EOD) trailing drawdown on funded accounts: the maximum-loss line is recalculated against your closing balance each day, trailing your equity upward as you bank profit. This locks in gains but is harder to track than a fixed start-of-day rule. Daily loss limits run 3% to 5% and the overall maximum loss runs 4% to 6% depending on program. The practical habit is to size positions against the trailing floor, not against your starting balance.
What is the The5ers profit split?
The funded profit split (the share of profits you keep) starts at 80% on most programs and rises as your account scales. The Hyper Growth program markets a ceiling of up to 100%, but that is a best-case scaling outcome rather than the default a new funded trader receives. For most traders the realistic working split is 80%, with the upside coming from a larger funded balance through the scaling plan rather than the headline percentage.
How fast are The5ers payouts?
Payouts run on a biweekly (every 14 days) cycle with no fixed minimum profit and no minimum trading days. In my recent cycles an approved payout settled within 2 business days of request via wire and crypto. The first payout is available once you have funded-stage profit, with no long lockup before you can withdraw. The trader covers only the crypto network fee or any receiving-bank charge; there is no firm-side payout fee.
Does The5ers accept US clients?
No. The5ers does not accept US residents. It serves traders across the UK, EU, MENA (UAE, Saudi Arabia, Kuwait, Qatar, Bahrain, Oman), South Africa, the SEA region, Australia, Canada and most of Latin America. US prop traders are better served by a US-structured firm such as Topstep, Apex Trader Funding or Earn2Trade.
Does The5ers require minimum trading days?
No. The5ers does not require a minimum number of trading days on either the evaluation or the funded stage. You can clear a profit target in a single strong session if your risk holds. The only ongoing requirement is the activity rule: at least one trade every 14 days to keep the account active. This is friendlier than FTMO and FundedNext, which both enforce minimum trading days on most programs.
Trader Reviews
What real traders say about The5ers. Submitted by verified account holders.
Live chat replied in under 4 minutes. Fast and actually knew the drawdown rules without me having to explain.
Funded for four months on High Stakes. The biweekly payout cycle is reliable and the 80% split is competitive for a firm that has been paying traders since 2016.
Entry on the $5,000 High Stakes account is around $39, one of the cheaper serious prop entries I found. Raw spread on EUR/USD averaged 0.3 pips during London in my testing, plus $3 per side on the funded raw-spread account. Fee structure is clear and there are no hidden monthly fees once funded.
Passed Hyper Growth single-step and got funded inside a month. No minimum days makes a real difference when the setups are not there some weeks.
Running MT5 and cTrader on the same funded account depending on the session. Execution on EUR/USD and gold is clean during the London open, with spreads around 0.3 pips raw. Expert Advisors work fine within the standard prop rules. The dashboard is straightforward, the drawdown meter updates at end of day so you always know where you stand, and the scaling milestones are visible without digging through settings. No in-house app but the standard MT5 mobile client covers what I need on the move.
Solid firm. Payouts hit on the 14-day cycle as promised, no surprises across three consecutive cycles.
Two payouts received so far, both settled within 2 business days. Crypto option via USDT was clean with no delays. The biweekly cycle is predictable once funded and there is no minimum profit threshold to trigger a withdrawal. Would appreciate a faster first-cycle option but the current cadence is workable.
Live chat response was under 4 minutes each time I tested it. The support agent understood the EOD drawdown calculation on the first ask, which is not always the case with prop firm support. Email replies came back within 12 hours. The only thing I would improve is 24/7 live chat rather than extended-hours only.
Been using The5ers for seven months across two account sizes. High Stakes New with an 8% phase-one target is the most sensible challenge structure I have used. The EOD trailing drawdown pushes you to manage equity carefully, which improved my position sizing discipline. Payouts arrive on the biweekly cycle every time and my last one settled in about 36 hours. The scaling plan is real: my 10K funded grew to a 20K after hitting the milestones and the 80% split moved up with it. Oldest active firm I have used and still the most reliable payout record.
cTrader on the funded account is smooth. Execution during London and New York sessions is consistent and EAs run without issues on the funded stage.
Reviews are submitted by verified traders. OpesAdvisors does not edit content but moderates for spam and abuse. The5ers did not pay for placement.
Detailed Disclosures
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Regulator enforcement history
The5ers is a proprietary trading firm, not a regulated retail broker. The operating entity is Five Percent Online Ltd., an Israeli company registered under number 515864007 with a registered office at 2 Ha'tidhar Street, Raanana, Israel. Prop firms operate under a different framework from retail brokers: the firm provides simulated capital for traders to execute strategies, and payouts to traders are funded from the firm's own balance sheet.
- Operating entity: Five Percent Online Ltd. (Israel, reg. 515864007), founded 2016.
- Headquarters: Raanana, Israel.
- Operating record: one of the longest in the prop sector, with over $43M reported paid to funded traders.
- Platform licensing: MetaTrader 5 and cTrader access via licensed platform providers for the CFD programs.
- Trust signal: 4.8/5 Trustpilot across roughly 26,000 reviews, among the highest-rated prop firms by review volume.
Prop firms sit in a regulatory grey area in most jurisdictions because the trader is not depositing investment capital with the firm; the challenge fee is the only client payment and the funded-stage trading happens on firm-provided simulated capital. Because there are no client deposits held, there is no investor compensation scheme that applies. Rules affecting certain prop products have tightened in recent years in the US, Canada and several EU member states; verify current availability against your country of residence before funding a challenge.
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Tax treatment by country
This is a summary. It is not tax advice. Verify your obligations with a local tax professional before trading.
- United Kingdom: prop firm payouts are typically declared as self-employed trading income under self-assessment, taxed at standard income bands.
- European Union: each member state taxes prop payouts under its local regime; most treat them as self-employed income subject to income tax and social charges.
- United Arab Emirates: no personal income tax on individual trading payouts; UAE residents receive the full payout net of any platform fee.
- Australia: payouts are generally treated as ordinary income under ATO rules.
- India / Pakistan / Indonesia / Vietnam / South Africa: payouts may be declarable as foreign-source income; local tax-authority guidance applies.
The5ers does not issue tax forms. The trader handles their own income reporting. The dashboard exports a record of payout cycles with date, method and amount, which is the practical audit trail for self-employment or contractor classification.
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Country eligibility full list
The5ers onboards retail clients from the 60 jurisdictions listed below through one of its regulated entities. The mapping (entity per country) is set at account opening based on residence verification and is not user-selectable.
Available — 60 jurisdictions:
- AE
- AR
- AT
- AU
- BE
- BG
- BH
- BR
- CA
- CH
- CL
- CO
- CY
- CZ
- DE
- DK
- EC
- EG
- ES
- FI
- FR
- GB
- GH
- GR
- HK
- HU
- ID
- IE
- IN
- IT
- JP
- KE
- KR
- KW
- LU
- MA
- MT
- MX
- MY
- NG
- NL
- NO
- NZ
- OM
- PE
- PH
- PK
- PL
- PT
- QA
- RO
- SA
- SE
- SG
- TH
- TN
- TR
- TW
- VN
- ZA
Not accepted — 1 jurisdictions:
- US
The not-accepted list covers the United States on all The5ers entities. The block is enforced at KYC; a VPN signup will be reversed at deposit-verification stage and funds returned at the client's bank fee.
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Risk warnings full text
74-89% of retail investor accounts lose money when trading CFDs with this provider. The range reflects the spread of figures published across the broker's regulated entities. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Leverage warning. The broker publishes a headline 1:100 maximum leverage figure on its offshore entity. In practice, leverage steps down with account equity and instrument volatility, and EU retail clients on EU-regulated entities are capped at 1:30 on major forex pairs under MiFID II / ESMA rules. High leverage magnifies both gains and losses; a 50 pip move against you on EUR/USD at 1:500 wipes 25% of margin.
Negative balance protection. Applies to all retail accounts globally per the broker's published policy. You cannot lose more than your deposited capital. Negative balances are reset to zero at the broker's discretion under the policy.
Compensation scheme depends on entity. EU clients are covered by the Investor Compensation Fund up to €20,000. UK retail clients are covered by FSCS up to £85,000. Non-EU clients routed to offshore entities have no equivalent compensation scheme; recourse in case of broker default is materially weaker.
Past performance is not indicative of future results. Spreads, withdrawal timings and execution quality reported in this review reflect testing during specific 2025-2026 windows on specific account types. Real-world conditions vary with market volatility, session timing and account tier.
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Test results for The5ers
Specific outcomes from hands-on testing of The5ers programs in recent cycles. For the general protocol applied across our prop firm sample, see our testing methodology.
- Challenge fees: from around $19 on the $2,500 High Stakes account, scaling to roughly $545 on the $100K size. The cheapest serious entry sits below most major competitors at the smallest account sizes.
- Profit targets: 8% Phase 1 and 5% Phase 2 on the High Stakes 2-step; 10% single phase on Hyper Growth; roughly 6% per step on the Bootcamp 3-step.
- Drawdown rules: end-of-day (EOD) trailing drawdown on funded accounts. Daily loss limits 3% to 5%, overall maximum loss 4% to 6% depending on program.
- Payout cadence: biweekly, 14-day cycle, no minimum trading days and no fixed minimum profit. Approved payouts settled within 2 business days of request in recent cycles.
- Execution: MT5 and cTrader. EUR/USD spreads averaged 0.3 pips raw during London session in testing; EAs permitted on funded accounts within standard rules.
- Support: live chat first response under 4 minutes across 5 test queries; email within 12 hours.
Not covered in this review: The5ers' separate futures programs, which run on a different platform and a different billing structure from the CFD challenges assessed here.
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Affiliate disclosure
Opes Advisors is reader-supported. When you open an account with The5ers through any
/go/the5ers/link on this page, The5ers pays us a referral commission. The commission does not change the spreads, swaps or fees you pay — those are set by The5ers directly and are identical whether you arrive via our link or type the URL.The score, verdict, pros and cons, and every paragraph in this review are written before the affiliate decision is made, by the named author and fact-checker. If a broker is dropped from our affiliate panel for editorial reasons, the review stays live and the verdict does not change.
Full revenue model: how we make money. Full testing protocol: methodology.
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Updates log
This review is updated when material facts change (challenge rules, profit-target adjustments, payout-cycle changes, jurisdiction availability) or on the quarterly review cycle. Minor copy edits are not logged.
- Refreshed this cycle. Reviewer Tom Nakamura (tom-nakamura). Program lineup (High Stakes, Hyper Growth, Bootcamp), fee schedule and drawdown rules re-verified. Payout cadence re-checked against recent funded-account cycles.
- Program lineup expanded. High Stakes split into Classic / New variants alongside Hyper Growth and the Bootcamp 3-step.
- Futures programs added. Separate futures evaluation line introduced on a dedicated platform, billed apart from the CFD challenges.
- Next scheduled review. Quarterly cycle: re-test payout speed, refresh fee schedule, re-check platform and jurisdiction availability.
- Trigger-based update. If The5ers changes challenge rules, profit splits, or platform availability, this review is updated within seven days and the change logged here.