FundedTick review: the 40% rule that starts once funded

Verdict: FundedTick suits traders who want a small simulated forex, metals or crypto test on MetaTrader 4 or 5, with no time limit and an 80% bi-weekly share. It does not suit anyone who needs a named company, a live order, or a $10,000 account kept on the evaluation rules. The biggest caveat is a clash on the firm’s site: the payouts page says nothing tightens once funded, the rules add a 40% best-day test on the $10,000 account only, and the terms pay within three business days of approval.

Key terms

Figures below are from FundedTick’s pages, read on 13 November 2026. The terms were last updated on 30 October 2026.

• Fee, paid once: $9, $16, $23, $39 or $59 on the 1-step, and $13, $19, $29, $49 or $79 on the 2-step, for $1,000 to $10,000, on the challenges page.
• Sizes: $1,000, $2,000, $3,000, $5,000 and $10,000. Combined starting size is capped at $15,000, on the rules page.
• Split: 80% of closed funded-account profit, in section 10 and on the payouts page. Not “up to”.
• Target, on balance: 10% on the 1-step; 5% then 10% on the 2-step.
• Daily loss, on equity, from the balance at the panel reset: 2% on the 1-step and 6% on the 2-step.
• Maximum loss: a static floor, 5% on the 1-step and 10% on the 2-step. The $10,000 2-step example stays at $9,000.
• Payout request: bi-weekly on the payouts page. The terms add “within 3 business days of approval”.
• Minimum days: 3, counted when a trade is opened. Profit from a trade under 30 seconds is excluded; the loss still counts.

Nothing tightens, except on the $10,000 account

The payouts page says the rules stay as published after a pass: “Profit accrues on the funded account under the same published rules you passed on. Nothing tightens once you are funded.” The rules page then sets a 40% consistency test that “applies to the funded $10K account only, not to evaluation stages, not to smaller funded accounts”, and checks it at payout. The example is specific: “A $1,000 profit cycle on the funded $10K account with one $450 day breaches the rule; spread the same $1,000 over days of at most $400 and it does not.” The expert-adviser guide, updated 10 November 2026, says the funded $10,000 account “adds the consistency rule (40%).”

Related:Venus Funded review: the 95 percent split and 14-day payout

Section 10 calls the 40% test “the one payout condition”, not the automatic stop in section 7, which is reserved for a drawdown or the floating-risk limit. Section 1 says a page promise is itself a term, and if pages disagree “the reading more favourable to you applies until we correct the page.” The homepage still gives both products one line: “Two stages or one, five account sizes, one fee. Target 5%, daily drawdown 6%, total 10%, no time limit.” The 1-step is a 10% target, a 2% daily loss and a 5% static floor, with no open-loss cap.

What FundedTick publishes about payouts

The 80% share stays fixed. The payouts page, the FAQ and section 10 all state it on closed profit, with no paid upgrade. The fee comes back only with the first payout. “Has cost you nothing” is not true of a failure. Section 2 says the fee “earns nothing, and is not recoverable through trading.” Section 5 says it is not refundable once the account has provisioned, apart from that first payout, a declined purchase, a discontinued evaluation, or a consumer-law right.

The payouts heading is “One bi-weekly cadence, no gates.” The page never defines that cycle in days. Section 10(f) does: “Payouts are sent to the payout wallet you choose in the portal within 3 business days of approval.” The challenges page says “If a number is not on this page, it is not a rule.” Those three days are not on it. On identity, the payouts page says “No identity check by default.” Section 10(e) says “Before your first payout we may ask you to verify your identity.”

What could not be verified is a single payment. The FAQ will not publish a counter “nobody can verify”, and there is no audited total and no named recipient. The $640 tile is a calculator, not a ledger. On 13 November 2026 the Trustpilot page showed TrustScore 0.0 and zero reviews. No named trader, executive or regulator was available to quote.

Rules that fail the account

A pass is scored on balance. A failure is scored on equity. Daily loss is fixed from the balance at the panel timer, and the rules page does not publish the hour. On the $10,000 2-step example, $10,200 at reset sets the floor at $9,588. The 2-step also caps open loss at 2% of balance, $200 on $10,000. A slippage breach on a fill “can be waived” after review, next to an FAQ that promises “no discretion”.

A trade under 30 seconds stays open, but its profit is excluded and its loss counts. No trade for 30 consecutive days closes the account for good. Gap trading, arbitrage, double-sided brackets, high-frequency bursts, martingale, grid systems and copying another trader are banned. Copying your own account in is allowed; hedging between accounts is not. The terms allow automated tools that trade “under your own strategy”. The expert-adviser page still says an EA that opens and closes trades “needs our support team’s approval before you run it.”

Simulated capital, and no company on the contract

The homepage says “We fund traders and we want you to make it.” Section 2 says a pass “provisions a simulated funded account” and that “no order you place reaches a live market, and you never trade deposited funds.” “Live” on the homepage is the scorer, not a fill. What a funded account is says the balance is not the trader’s capital.

The counterparty is the brand “FundedTick”: no company number and no CySEC, FCA, CFTC or NFA claim. The contract uses the law and courts of the Republic of Cyprus, unless consumer law lets the trader sue at home. The ICANN lookup shows registration on 5 August 2026, while Trustpilot’s claimed profile lists the United States. Client-money rules for a UK CFD broker do not fit a firm that holds no deposits. On this prop-firm desk the crypto fee is the only money the trader sends. MetaTrader 4 and 5 are named, and the broker stays unnamed. The FAQ lists forex, indices, gold, metals and crypto; llms.txt says there are no futures accounts.

A $10,000 two-step beside FTMO and The5ers

FundedTick figures are from its rules and challenges pages on 13 November 2026. FTMO’s are from its trading objectives and how-it-works pages that day. The5ers’ are from High Stakes. Neither firm’s pages, as read that day, gave a fee this review could tie to a $10,000 account, so the table leaves fees out.

FundedTick counts a day when a trade is opened. FTMO wants four such days in each evaluation phase, then drops the rule. The5ers counts profitable days of at least 0.5% of starting balance, and shows 80/20 at $10,000. “Up to 90%” is FTMO’s reward line. Its 2-step page did not add this best-day test. FundedTick adds one after the pass, and only at $10,000. The 40% test is the difference, and the evaluation never set it.

Questions before you pay the fee

Is the funded account a live market account?

The terms say a pass provisions a simulated funded account, and that no order reaches a live market or uses deposited funds. “We fund traders” is the homepage line, not the contractual definition. “Live” on that page is the moment the balance crosses the target. Payouts are described as real money from that record.

Does the 40% rule apply to every account?

The rules page limits it to the funded $10,000 account. The evaluation and any smaller funded account stay outside that test. A $450 day inside a $1,000 cycle fails the worked example. The payouts page still says nothing tightens once you are funded.

Is the fee returned if you fail?

Once the account has provisioned, section 5 says the fee is not refundable, unless it comes back with the first payout, the purchase is declined, the service stops during an active evaluation, or consumer law requires a refund. The evaluation has “cost you nothing” only after a first payout, which the FAQ says most traders never reach.

Who runs FundedTick, and is it regulated?

The terms name only FundedTick and choose the law and courts of Cyprus, give no company number, and claim no CySEC, FCA, CFTC or NFA licence. The domain was registered on 5 August 2026. Trustpilot’s claimed profile lists the United States and, on 13 November 2026, showed zero reviews. Without an entity name, there is no register entry to check.

How fast is a payout, and is there a cap?

The payouts page says you request bi-weekly, with no first-payout cap and no profit buffer. It never defines bi-weekly in days. The terms pay the wallet within three business days of approval, so the clock starts at approval, not at the request. A conduct dispute can add the 14-day wait in section 9 before money is finally decided.

Can you trade news, hold the weekend, or run an EA?

News and weekend holding are allowed on every plan. A floor crossed on a news tick still fails the account. You may copy your own personal account in. You may not copy another trader, or hedge between accounts. The terms allow an automated tool that trades your own strategy. The expert-adviser page still requires support approval before an EA opens and closes trades.

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.