100X Club review: the 6% cap on your first two payouts

Verdict: 100X Club suits a patient cTrader forex trader who wants a static 8% maximum loss, no time limit and free news trading during the evaluation, and who does not need cash quickly. It does not suit anyone buying for the "instant payouts" banner: the first two withdrawals are each capped at 6% of the account on a 10-day cycle, and the 95% split costs extra. The biggest caveat: the operator is an Israeli company, incorporated in August 2025, that refuses Israeli residents yet sends every dispute to Tel Aviv courts.

100X Club key terms

From 100X Club's own pages, read 29 September 2026, for the 1-Step programme.

• Evaluation fee: $59 ($5K) to $1,999 ($250K) on 1-Step, and $839 for $100K, per the plan data on the 100X Club homepage. The "Start from $49" headline is the $5K 2-Step price.
• Account sizes: $5,000, $10,000, $25,000, $50,000, $100,000 and $250,000.
• Profit split: 80% by default; 95% with a paid add-on priced at 25% of the evaluation fee (1-Step trading objectives).
• Profit target: 9% in one phase.
• Maximum loss: 8% static, fixed below the starting balance.
• Daily loss limit: 4%, reset once a day at the 5:00 PM EST rollover from the higher of balance and equity.
• Payouts: every 10 calendar days, or on demand with an add-on priced at 15% of the fee; the first two payouts are each capped at 6% of account size.
• Minimum trading days: 3 days with a net profit of at least 0.5% of the starting balance.

What 100X Club sells, and what the rules page says

The homepage promises "Instant payouts via Bank Transfer and Crypto", a "Paid Within 48h" badge and "Rules you'll actually understand. Simple, clear. No fine print." The rules page is unusually clear, and it is where the payout limits sit.

Related:Pipstone Capital review: 90% on the homepage, 80/20 in the terms

Rule 11 on the 1-Step objectives page reads: "Your first two payouts are each capped at 6% of your account size. From the third payout onward there is no cap at all." The firm's worked example uses a $100,000 account with $9,000 of available profit: the first payout "may be up to $6,000", and the other $3,000 waits for a later cycle.

The "48h" claim is narrower than the badge. The FAQ says: "Once your request is approved, your payout is processed within 48 hours." The clock starts at approval, and no page states how long approval takes. The firm's Trustpilot profile also promises "fast withdrawals every 14 days", not the 10 days on the rules page.

What a funded trader can withdraw in the first month

Take a $100,000 1-Step account at the standard 80% split, with the firm's own timing rules. Profits become eligible "every 10 calendar days, counted from your first live trade and then from each approved payout".

• Day 1: first live trade.
• Day 11: first payout eligible. Cap: $6,000.
• About day 21 to 23: second payout eligible, 10 days after the first is approved. Cap: $6,000.
• Day 31 or later: third payout, the first uncapped one.

So the ceiling in the first month is $12,000 of profit, however much the account makes. The rules page does not say whether the 6% is measured before or after the split. If the split applies after the cap, the trader receives $9,600 at 80%, or $11,400 with the 95% add-on.

The on-demand add-on does not change this. The firm says plainly: "The On-Demand Add-On removes the waiting period, not the rules: the Consistency Score and the first-payout caps still apply." On a $100K 1-Step, that add-on costs about $126 and buys speed, not size.

To its credit, 100X Club does not cancel the excess. Profit above the cap stays in the account for a later payout. The firm frames it this way: "it costs a consistent trader nothing: the money is not lost, only scheduled." Scheduled money is still exposed to the 8% maximum loss until it is withdrawn, however.

Payout evidence: what we found and what we could not verify

100X Club publishes no payout totals and no audited payout data. A line in its sign-up code claims "Over 10,000 traders funded worldwide"; we found nothing to support it, and the operator was incorporated on 10 August 2025.

Independent evidence is thin. The firm's Trustpilot profile held nine reviews and a 4.0 score on 29 September 2026. One reviewer wrote on 6 August 2026 that they "got paid few minutes after approval". Another, dated 25 January 2026, wrote on Trustpilot:

"The only reason it isn't 5 starts is I had a few issues with my account and had to wait a bit longer for my first payout."

The 100X Club homepage carries the same text under the name "Owen G." A February 2026 review calls the firm a scam but gives no payout detail. Nine reviews cannot confirm a payout record. We could not verify the 48-hour promise, the approval times, or how often requests are rejected.

The rules that fail 100X Club traders

The 20% consistency score. There is none during the evaluation. Once funded, "no single trading day may account for more than 20% of your total net profit in a payout cycle". In practice, total cycle profit must be at least five times the best day. A trader who makes $6,000 in a cycle with one $1,500 day scores 25%. Unusually, going over does not breach the account. The rules page says: "Exceeding 20% does NOT breach your account. It means the payout waits." Combined with the cap, though, one strong day can push a first payout past day 11.

The 2-minute hold. The 100X Club terms and conditions list as prohibited conduct: "Each trade must remain open for a minimum of 2 minutes." The list also bans tick-scalping, arbitrage and copy trading.

News on funded accounts. A funded trader may not open a position from five minutes before to five minutes after a high-impact release. The profit from a trade opened in that window is not counted toward the payout. The account is not breached.

100X Club vs other capped-payout firms

Figures come from each firm's pages, as recorded in our reviews.

Against that group, the 100X Club cap is among the lighter ones. It is larger than FundedVerse's 5% and 4PropTrader's $2,500, and it ends after two payouts. What sets 100X Club apart is how far the "instant payouts" banner sits from a rule that keeps first-month withdrawals to 12% of the account. More reviews sit on our prop firms desk.

Who runs 100X Club, and is it regulated?

The footer names the operator as 100X Club Ltd, company number 517203345, Jabotinsky 7, Ramat Gan, Israel. The Israeli Registrar of Companies dataset lists 100X CLUB LTD under that number as an active private company, incorporated on 10 August 2025, at the same address. Card payments go through "our paying agent Hundred X Club LTD (Reg. No. HE 477401)" in Limassol, which the footer calls a subsidiary. The Cyprus Registrar of Companies shows HE 477401 as registered, now named HUNDRED X CLUB LTD and previously BURANDIN LTD. We could not confirm the subsidiary claim from the register.

The contradiction is in the terms, last updated on 8 September 2025. Section 18 applies Israeli law and gives "the competent courts located in Tel Aviv, Israel" exclusive jurisdiction. Yet the Restricted Jurisdictions list reads: "Afghanistan, Cuba, Iraq, Iran, Israel, Lebanon, Libya, Myanmar, North Korea, Russia, South Sudan, Somalia, Syria, USA, and Yemen." An Israeli company does not serve Israeli residents. Every customer is therefore foreign, and every one of them must bring a dispute in Tel Aviv. The terms also cap the firm's liability at the greater of the last month's payments or $200.

100X Club claims no financial licence on its site or in its terms, and it is not regulated as a broker. The evaluation uses "fictitious funds". Funded trading "may operate in a simulated or demo environment". The firm may choose whether to "execute, mirror, offset, or disregard" a trader's orders. Trading runs on cTrader.

100X Club FAQ

How much can I withdraw from a funded 100X Club account in the first month?

Two payouts at most, each capped at 6% of account size. On a $100,000 1-Step account that is $12,000 of profit across roughly the first three weeks, whatever the account earns. The third payout, usually after day 30, is uncapped. The rules page does not say whether the cap is measured before or after the 80% or 95% split.

Does the On-Demand add-on lift the 6% cap?

No. The firm says the add-on "removes the waiting period, not the rules". It lets a trader request a payout without waiting 10 days, but the 6% cap on the first two payouts and the 20% consistency score still apply.

Does breaking the 20% consistency rule cost me the account?

No. On a funded 100X Club account, a best day above 20% of the cycle's net profit holds the payout back. It does not breach the account. Each further profitable day lowers the score until the request qualifies. No consistency rule applies during the evaluation.

Can traders in Israel or the US use 100X Club?

No. The terms list both Israel and the USA among the Restricted Jurisdictions where the services are unavailable. That holds even though the operator is registered in Ramat Gan and its terms send disputes to Tel Aviv courts.

Is 100X Club regulated?

No. 100X Club Ltd is a private Israeli company with no stated financial licence. Its Cyprus payment agent is a registered company, not a licensed investment firm. Evaluations use simulated funds, and the terms allow funded trading in a demo environment. Treat the fee as payment for a simulated test, not a deposit.

This review is independent editorial analysis and is not financial, investment, or trading advice, and is not an endorsement or solicitation. The Industry Spread has no affiliate or referral relationship with the firms covered. Proprietary trading challenges carry a fee that is generally non-refundable, most participants do not reach a funded account, and funded capital is the firm's capital, not the trader's. Terms change frequently — always verify current rules directly with the firm before paying any fee.