At a glance
Instant has no evaluation: the account you buy is a simulated funded account from your first trade. Like every EverFunded account, each Instant payout needs at least 3% of net profit in the payout cycle, and on Instant it also needs 5 qualifying days in that cycle. Instant is sold from $10K to $100K.
The two conditions that shape Instant most: a 6% max overall loss that trails and then locks at the starting balance, and the profit and qualifying days every payout cycle needs. The trade-off for skipping the evaluation is price: at the same size, Instant costs more than the other accounts, $1,009 for $100K against $450 for a 2-Step.
Essential conditions | Instant |
Evaluation | None |
Payout gate | At least 3% net profit on the balance each payout cycle started with |
Qualifying trading days | At least 5 in each payout cycle |
Max daily loss | 3% |
Max overall loss | 6%, trailing, locking at the starting balance |
Consistency check | None |
Account sizes | $10K to $100K |
Price for $100K | $1,009 |
Reward share | 80%, or 100% with the profit split upgrade |
Key rule: The 3% payout gate and the 6% loss limit are different things. The gate is the net profit the account must make in the current payout cycle before a payout can be requested; the loss limit is the level at which the account is closed, with no warning first. No evaluation does not mean an immediate payout: the qualifying days, the cycle profit and the 14-day wait (unless you bought Payout On Demand) all apply.
The fee is the money at risk, and no reward is guaranteed.
Rules in detail
Instant | |
Evaluation | None |
Profit target | None: a payout gate applies instead |
Payout gate | At least 3% net profit on the balance each payout cycle started with |
Qualifying trading days | At least 5 in each payout cycle |
Max daily loss | 3% |
Max overall loss | 6%, trailing, locking at the starting balance |
Breaking a loss limit | The account is closed, with no warning first |
Consistency check | None |
Forex leverage | 1:30 (gold, indices and oil 1:10; crypto 1:2) |
Weekday overnight holding | Allowed |
Weekend and holiday holding | Positions closed at the Friday close before each weekend, and 30 minutes before each market's holiday close (not a breach; crypto that trades around the clock stays open) |
News trading | Profit from trades opened or closed within 3 minutes of a high-impact release is not eligible |
The payout gate repeats every cycle. Only new net profit made in the cycle counts, after commissions and swaps, measured against the balance the cycle started with. Each qualifying day needs profit of at least 0.5% of that same balance; floating profit alone does not count, and the days do not need to be in a row.
The daily limit. Your daily loss limit is a fixed dollar amount. It is your product's daily loss percentage of the starting balance of your current payout cycle. During an evaluation, that starting balance is the account size you bought. Your trading profits and losses do not change this amount, either during the day or from one day to the next. Each server day starts at 00:00 server time. During the day, your equity, including open positions, must not fall below that day's floor. On 1-Step and 2-Step, the floor is your balance at the start of the day minus the limit. On a funded Flash or Instant account, the floor is the higher of your balance and your equity at the start of the day, minus the limit. After a payout is completed and paid, a new payout cycle starts. The balance left in the account becomes the new starting balance, and your overall loss limit starts again from it. The payout itself does not count as a trading loss. It also does not give back any of the daily limit you have already used, so the amount you can still lose that day stays the same. At the next daily reset, your daily limit is recalculated from the new starting balance.
The overall limit trails, then locks. It starts 6% below the starting balance and rises with the highest closed balance, not with floating profit. Once it reaches the starting balance it stays there. After a payout is completed and paid, it starts again. The balance left in the account becomes the new starting balance, the limit is set 6% below it, and the limit locks when it rises to that new starting balance.
Weekends and holidays. At the platform's Friday close before each weekend, and 30 minutes before each market's holiday close, open positions are closed and pending orders cancelled, and new trades on that market wait until it reopens. Crypto that trades around the clock stays open. This is not a breach.
News. You may hold positions through news, but profit from a trade opened or closed within 3 minutes before or after a high-impact release is not eligible: it is removed from the balance, and that removal can take the account past its overall loss limit. A trade opened at least 5 hours before the window and closed by a pre-set stop loss or take profit keeps its profit, and a trade opened or closed exactly at the edge of the window counts as inside it.
Trading style. There is no minimum trade duration, and no mandatory stop-loss, subject to our risk-management and trading rules. Exploitation, abusive trading practices and unreasonable risk-taking are prohibited and may result in review and action under the account terms (Terms §11.1).
If the account breaches a loss limit, it is closed, with no warning first. A person can go through what happened with you, and My challenge failed: can I retry or reset it? explains what you can do next.
Inactivity. Opening or closing a trade counts as activity, and so does a change in the profit or loss of a position you hold open. Signing in to your Dashboard or your platform does not. An account with no activity may be closed for inactivity, and we e-mail you first (Terms §5.7).
Several accounts. You can hold up to 4 active 2-Step, 1-Step and Instant accounts in total, and every account must be traded by you. If the account sizes you have bought add up to more than $400,000, the start of a new funded account is reviewed by our Risk team; this is a review, not a ban.
Prices, add-ons and payouts
Account size | $10K | $25K | $50K | $100K |
Price | $219 | $399 | $609 | $1,009 |
Prices are in US dollars, before add-ons. A $200K or $5K Instant account is not sold: Instant is sold from $10K to $100K. No discount code applies to Instant, except the personal reset code sent after a failed Instant account. If a price or condition at checkout differs from this page, stop before paying and ask us through the Messenger or at support@everfunded.com. Do not send passwords.
Reward share: 80%, or 100% with the profit split upgrade bought with the account. There is no scaling plan on Instant. Rewards are discretionary and never guaranteed.
When you can request. Every payout, including the first, needs the 3% payout gate and at least 5 qualifying days in the cycle. It also needs 14 days since the cycle started unless you bought Payout On Demand, and a payout of at least $100 to you after the split. After the payout, the account must stay at least 1% of the cycle's starting balance above its overall loss limit.
Before you request. Close every position, cancel every pending order and make sure your identity is verified: it must be verified before your first payout. While the request is pending the account is read-only, and every request is checked before it is paid.
Cycles and amounts. The first cycle starts at your first trade on the account; each later cycle starts when the previous payout has been completed and paid. You choose when to request and how much of the eligible amount to take.
Add-on | What it does | Cost |
Profit split upgrade | Reward share from 80% to 100% | 20% of the account's price |
Payout On Demand | No 14-day wait before a payout request, including the first; every other payout condition still applies | 25% of the account's price |
Swap-free | Waives swap fees only | 10% of the account's price |
Add-ons are bought with the account. Each one is a percentage of the account's price after any code and before any multi-account discount. Payout On Demand does not make a payout faster to process. You may hold a position overnight on a weekday with or without swap-free: swap-free removes the swap fee and does not change when you may hold. See Add-ons: profit split upgrade, Payout On Demand and swap-free.
Not available on Instant: the multi-account discount, the scaling plan and the fee back after a fourth payout, which applies to 2-Step and 1-Step only.
Example
A trader buys a $100K Instant account for $1,009.
Loss limit: the overall limit starts at $94,000. It rises as the closed balance reaches new highs, until it reaches $100,000 when the closed balance reaches $106,000. From then on it stays at $100,000.
Not yet eligible: after 14 days the account has made $2,900 of net profit in the cycle, which is 2.9% of the $100,000 it started with. The 3% gate is not met, so no payout can be requested yet.
Eligible to request: later the account has made $3,400 of net profit in the cycle, which is 3.4%, over 5 qualifying days of at least $500 profit each. A request can be made once every position is closed, every pending order is cancelled and your identity is verified, and it is checked before it is paid.
The buffer: with a highest closed balance of $103,400, the loss limit is $97,400. After the payout the account must stay at or above $98,400, which is $1,000 (1% of $100,000) above that limit.
Next cycle: once the payout is completed and paid, the loss limit starts again from the balance left in the account, which becomes the new starting balance. The next payout again needs its own 3% of net profit and 5 qualifying days in the new cycle.
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Next step
Compare it with the other accounts in Which account should I choose: 2-Step, 1-Step, Flash or Instant?. Ready to buy? How to buy an EverFunded account, step by step walks through checkout step by step.
All trading at EverFunded is simulated. The fee you pay is the money at risk. Rewards are discretionary and never guaranteed.