CK Prop review: 80% split, a 3% cap and the buffer

Verdict: CK Prop suits traders who accept an 80% share of simulated profits, no minimum trading days, and news trading only where a consistency score applies. It does not suit anyone who needs more than 3% of the starting balance in the first five withdrawals, or Instant Funding bought off the homepage's 80% line. The caveat is a clash: the FAQ lifts that cap at the sixth withdrawal, the homepage says the fourth, and the terms refuse a fee refund the FAQ promises.

CK Prop, styled CK Propfirm on its own site, was selling simulated evaluations at ckpropfirm.com on 15 October 2026. The title promises up to $750,000 and an 80% split. The table stops at $300,000. The FAQ's $750,000 is a household cap. ckcapital.co.uk redirects to the same site.

Key terms on a $100,000 two-step account

• Challenge fee: $178.20 against a struck-through $712.80 on the evaluation table.
• Account sizes: $10,000 to $300,000 on evaluations. Instant stops at $100,000. The FAQ caps a household at $750,000 and five accounts.
• Profit split: 80% on 1-Step, 2-Step Standard and 2-Step Pro. Instant is "Flexible 50%" on the Instant page.
• Profit target: 10% then 5%, so $10,000 then $5,000. The 1-Step target is 10%. Instant shows $0.
• Maximum loss: $8,000, or 8%, trailing on the closed end-of-day balance. 2-Step Pro is a static 8%.
• Daily loss: $4,000, or 4%. The 1-Step daily limit at this size is $3,000.
• Payout: no minimum cheque, a $2,500 first-cycle profit test, a $103,100 buffer, and a 3% cap on each of the first five withdrawals.
• Minimum trading days: none, printed as "NA". Inactivity is 28 days without a trade.

The 80% line, and the account it does not cover

The homepage title reads "Get Funded Up to $750K | 80% Profit Split". The 2-Step Standard card prints "Profit Split 80%" and "Funded Consistency 50%". The trading-objectives calculator repeats 80% for the three evaluation programmes and shows no tier above it.

Related:FundedRight review: 80% reward and a Vanuatu operator

Instant Funding says "Flexible 50%" from $10,000 to $100,000. That 50% is a split, not a cap. Consistency is 20% of cycle profit on Instant, 30% on 1-Step and 50% on 2-Step Standard. 2-Step Pro prints "N/A". A $1,200 best day under the 30% rule needs $4,000 of cycle profit.

One FAQ answer says splits "start at 80% to the trader and step up". The calculator has no higher tier. The payouts page says "UP TO 100%", then "Subject to account terms". Resets go the other way: 65% after a Phase 2 reset at 2.5 times the fee paid, or a funded reset at four times the fee with a 20% consistency rule added.

What CK Prop publishes about payouts

The 80% is a rate. There is no minimum cheque, but a request still has to clear three gates on the firm-scoped FAQ.

Cycle one asks for $250, $625, $1,250, $2,500, $5,000 and $7,500 from $10,000 to $300,000. Cycle two asks for $300, $750, $1,500, $3,000, $6,000 and $9,000. The FAQ says the target resets after a withdrawal and that the sums "are not automatic payouts".

The buffer is higher than that first test at every size: $10,700, $26,100, $52,100, $103,100, $206,100 and $309,100. Only the surplus can be withdrawn, and the balance must remain on the buffer or the account is breached. On $100,000 the cushion is $3,100, against a $2,500 profit test. Meeting the minimum does not free a dollar.

The cap is separate. The first five withdrawals may not exceed 3% of the starting balance, so $3,000 on $100,000, and from the sixth the cap comes off. The FAQ does not say whether 3% is taken before or after the 80%.

The homepage uses another clock: a 48-hour settlement guarantee, and "from your fourth payout you can withdraw the full balance above your buffer." Fourth is not sixth. Section 7 says the guidelines can change at the company's discretion, and that it "makes absolutely no promise, guarantee, or warranty" of "monetary payments".

The CK-scoped answer says 48 hours, or 24 if that option is paid, by crypto or bank. Another answer on the same FAQ, not scoped to CK Prop, allows three to five business days for a wire. A Rise graphic on the payouts page is not a record.

On 15 October 2026 both pages showed $1,385,127.63. Rows include $1,121 from Singapore on 14 October and $10,042 from South Africa on 8 October. Twelve hub volumes add to $1,320,000. The page does not explain the gap. A Pedro Perez note dated 25 June 2025 shows $6,578.

I just received my second payout from CK Propfirm - and I can't even put into words how happy and proud I am to be part of this company!

Pedro Perez, republished by the firm. The Discord original was not seen. What could not be verified: no audit, no count of first withdrawals, certificates unopened, no readable Trustpilot set that day, and no paid test of the 48-hour line. The prop-firm desk treats the feed as a claim.

Rules that can void the account

At $100,000 the 1-Step allows $6,000 overall and $3,000 a day, and Instant allows $5,000 and $3,000. A short FAQ line of 4% daily and 8% overall fits only the two-step pair.

Where the loss trails, it uses the closed end-of-day balance, not floating profit: 6% on 1-Step, 8% on 2-Step Standard and 5% on Instant. The floor only rises, and locks at the starting balance once profit hits that percentage. 2-Step Pro is a static 8%. Either breach closes the account. The breach check is continuous.

News trading is allowed on 1-Step, 2-Step Standard and Instant, and barred on 2-Step Pro. The homepage omits that bar. Weekend holds are allowed. Copy trading is permitted, but the terms ban latency exploits, strategies "marketed to pass challenge accounts", and arbitrage. A lot-size breach returns the account to Phase 1. The lot cap is unpublished. Leverage is 1:100. CK Labs, not the challenge, is marked coming soon.

A $100,000 account against two other firms

The table uses CK Prop's 2-Step Standard on 15 October 2026 against the 2-step figures in our FTMO review of 8 August 2026 and our FundedNext review of 23 July 2026.

That July review also found trackers listing 10% then 5% for FundedNext. CK Prop has no minimum-day rule, paid for by the buffer, the 3% cap and a trailing floor. The same test is in our five-firm payout comparison.

Who the terms say runs CK Prop

The terms open "Welcome to CK Capital Group LTD" and make that company the contracting party. The footer address is 6–7 Waterside Station Road, Harpenden, AL5 4US. Companies House 15658914, read on 15 October 2026, shows the company incorporated on 18 April 2024, active, SIC 62090 (other information technology service activities), at 1 Allied Business Centre, Coldharbour Lane, Harpenden, AL5 4UT. Kar Chan became director on 3 September 2026, the day Daniel Cheung resigned. Monray Linevee is named on the about page and is not an officer on that list.

The terms claim no Financial Conduct Authority permission. They say CK Prop is not a broker and holds no client money. An FCA search that day returned no readable firm record, which is not a formal ruling. "Verified UK Firm" is the site's badge. No customer order reaches a live market, and the fee is not a deposit, the distinction in what a funded account is. With no client money, CK Prop also sits outside CASS 7.

The terms name no platform, only "the Broker". The homepage and FAQ name MetaTrader 5 and TradeLocker, and limit the United States and Canada to TradeLocker. Disputes go to one arbitrator in Quebec under Quebec law, and the trader agrees to attend. Liability is the fees paid or $1,000, whichever is less.

Refunds are the last clash. The FAQ returns the fee with the first reward. Section 6 of the terms says there are no refunds. The return policy ends the refund once the login email is sent, unless in some cases no trade was placed.

Questions to settle before paying

Is the CK Prop split 80% on every account?

No. Evaluations are 80% in the calculator. Instant Funding is a flexible 50% and stops at $100,000. Nothing in the calculator steps above 80%, though one FAQ answer says splits step up. A reset cuts the share to 65%. The payouts page's "up to 100%" is not itemised.

What blocks the first withdrawal?

On $100,000 a $2,500 profit test sits under a $103,100 buffer, so only the surplus can leave. The first five withdrawals are also capped at $3,000. The homepage opens that surplus at payout four. The FAQ waits until payout six. Neither says whether the 3% is applied before the split.

Does CK Prop refund the challenge fee?

The FAQ returns the fee with the first reward. The terms say there are no refunds. The return policy stops a refund once the login email is sent, unless no trade was placed. The terms also let the firm rewrite the guidelines and promise no payment. Do not pay on the FAQ line alone.

Are CK Prop accounts live-funded?

No. The footer says every stage uses fictitious capital. CK Prop says it sends no customer order to a live market, is not a broker and takes no deposits. Passing changes the label on a simulated account. The balance does not become the trader's.

Who is the operator, and which platform is in the contract?

The terms name CK Capital Group LTD. Companies House 15658914 matches that name, at Coldharbour Lane rather than the Waterside address on the site. The contract does not name MetaTrader 5 or TradeLocker. Those names appear on the homepage and in the FAQ. Disputes are sent to arbitration in Quebec.

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.