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2-Step Day & Swing

2-Step Day and Swing Account Type Information

Important Notice:

Every account at FundingTraders is governed by the rules and standards below. Read them before you place a trade.

Passing an evaluation or booking a profitable week is not enough on its own. How the result was achieved matters just as much as the result itself. Failure to follow these rules may lead to flagged trades, strikes, deductions, restrictions, or account termination, depending on the severity of the violation. Your live status against every rule is tracked in the Clarity Desk inside your FundingTraders dashboard.


Day or Swing? Quick Comparison

2-Step comes in two account types: Day and Swing. Both have the same targets, loss limits, sizes and platforms. They differ in what you can hold overnight, in minimum trading days and in how your profit split works.

2-Step · Day

2-Step · Swing

Built for

Scalpers and same-day traders

Traders who hold through sessions

Hold trades overnight

❌ Forex, gold, indices and oil: closed at the end of each trading day

✅ Crypto: can stay open

✅ Yes, all markets

Hold trades over the weekend

❌ Forex, gold, indices and oil: closed before the Friday close

✅ Crypto: can stay open

✅ Yes, all markets

Trade crypto on weekends

✅ Yes

✅ Yes

Minimum trading days

None in Phase 1 and 2 · 4 on funded

4 in Phase 1 · 4 in Phase 2 · 2 on funded

Profit split

80% included · 90% or 100% with add-ons

70% → 80% → 90%, growing with each paid payout

Profit targets

Phase 1: 10% · Phase 2: 5%

Phase 1: 10% · Phase 2: 5%

Daily / maximum loss

5% / 10%

5% / 10%

Payouts

Every 21 days · 14-day add-on

Every 21 days · 14-day add-on

Sizes

$5K · $10K · $25K · $50K · $100K · $200K

Same

Platforms

MT5 · TradeLocker

Same

Which one should I choose?

  • Choose Day if you're usually flat by the end of the day. Forex, gold, indices and oil close for you at 16:55 New York time, crypto can stay open, and there are no minimum trading days in Phase 1 and 2. You get an 80% split from your first payout, with add-ons up to 100%.

  • Choose Swing if you hold forex, gold, indices or oil overnight or through the weekend. Your split starts at 70% and grows with every payout.

Not sure? Check your trading history. If your forex, gold, index and oil trades are almost always closed the same day, Day fits. If you often hold them past 16:55 New York time, choose Swing.

Already have a 2-Step account?

Nothing changes for your current account with this launch. It keeps its current rules, profit split and payout schedule.

If we move existing accounts to Day or Swing, we'll email you in advance, explain exactly what changes, and let you choose the account type that fits how you trade.


Day Account: The Daily Close

Day accounts trade within the day. Any forex, gold, index or oil position still open near the end of the trading day is closed for you automatically. Crypto positions are not closed and can stay open overnight and over the weekend.

What happens

New York time

UTC (US winter time)

UTC (US summer time)

Warning sent (email and in-platform notice)

16:40

21:40

20:40

Open forex, gold, index and oil positions closed, and their pending orders cancelled (crypto stays open)

16:55

21:55

20:55

New orders blocked

16:55–17:00

21:55–22:00

20:55–21:00

New trading day starts

17:00

22:00

21:00

US winter time runs from the first Sunday in November to the second Sunday in March. US summer time covers the rest of the year. The New York time never changes.

  • Monday to Thursday: the close above happens every day.

  • Friday: the same close happens at 16:55 New York time. After that, Day accounts can't trade forex, gold, indices or oil until the market reopens on Sunday. Crypto can still be traded.

  • Crypto: crypto trades 24/7. On Day, crypto positions are not closed at 16:55 or at the Friday close, so they can stay open overnight and over the weekend, and you can open new crypto trades on weekends. Your daily and maximum loss limits apply at all times, including weekends.

  • Markets that close early: if an instrument's market closes before 17:00 New York time (for example on a holiday), Day positions on that instrument are closed 5 minutes before that market closes.

What the auto-close means for your account

  • An auto-close is not a rule breach. Your account stays active.

  • The profit or loss counts normally toward your daily loss limit, maximum loss limit and profit target for that day.

  • Prices near the close can move quickly and spreads can widen. To choose your own exit, close your trades before 16:55 New York time.


Swing Account: Profit Split That Grows

On a Swing funded account, your profit split rises with each payout you receive.

Payout on your funded account

Your profit split

1st payout

70%

2nd payout

80%

3rd payout and every payout after

90%

  • Only paid payouts count. If a payout is denied, your next payout stays at the same step.

  • The split applies to this funded account only. A new funded account, or a reset, starts again at 70%.

  • Your dashboard and payout screen show your current split and the next step, for example "70% now · 80% after this payout".

  • Profit split add-ons are not available on Swing.


Rules and Objectives

These rules are the same for Day and Swing. Any violation of a rule or trading objective will result in the immediate termination of the account.

Profit Targets

Phase 1 Profit Target - 10%

The account balance (not equity) must reach 10% profit relative to starting account balance. All positions must be closed.

Example:

  • Starting Account Balance: $100,000

  • Profit Target: $10,000

Phase 2 Profit Target - 5%

The account balance (not equity) must reach 5% profit relative to starting account balance. All positions must be closed.

Example:

  • Starting Account Balance: $100,000

  • Profit Target: $5,000

Daily Loss Limit

5%
Current equity or balance must not reach -5% of the challenge account size relative to the starting day's balance.

Example:

  • Challenge Account Size: $100,000

  • 5% of Challenge Account Size: $5,000

  • Starting Day's Balance: $102,000

  • Max. Daily Loss: $97,000

At any point within that day, the current equity or balance must not drop to $97,000.

Maximum Loss Limit

10%
Current equity or balance must not reach -10% relative to the challenge account size. This is fixed and does not trail higher when you're in profit.

Example:

  • Challenge account size: $100,000

  • Max. Overall Loss: -$10,000

At any point during the evaluation, the current equity or balance must not drop to $90,000.

Maximum Risk Per Trade Idea (Funded Phase Only)

To maintain consistent risk management, traders must follow this guideline:

  • Maximum Risk per trade idea = 2% of the initial account balance

What counts as one Trade Idea?

A trade idea is considered one idea if:

  • You open trades in the same symbol and direction that are active simultaneously, or;

  • You close and reopen trades in the same symbol and direction within 2 minutes.

If trades are on different symbols or in opposite directions, they are treated as separate trade ideas.

Swing Accounts: Weekend Positions

On Swing, positions you hold over the weekend count toward this limit. A loss from a price gap when the market reopens counts toward the 2% limit, so size weekend positions with the gap in mind.

Example: $50,000 Account

  • Account Balance: $50,000

  • Maximum Risk per Trade Idea (2%): 50,000 x 0.02 = 1000

  • This means: for any single trade idea, the maximum total allowed floating or closed loss is $1000 (whether that comes from one trade or multiple positions combined).

Trade Idea Examples

✅ Single Trade Idea (within limit):

  • Open GOLD BUY (floating or closed loss $375 = 0.75%)

  • Open another GOLD BUY (floating or closed loss $375 = 0.75%)

  • Total floating or closed loss: $750 (1.5%) → Allowed

❌ Single Trade Idea (over limit):

  • Open GOLD BUY (floating or closed loss $750 = 1.5%)

  • Open another GOLD BUY (floating or closed loss $750 = 1.5%)

  • Total floating or closed loss: $1,500 (3%) → Not Allowed

✅ Multiple Trade Ideas (independent losses):

  • Open GOLD BUY (floating or closed loss $750)

  • Open AUDUSD BUY (floating or closed loss $750)

  • Open GBPJPY SELL (floating or closed loss $750)

  • Each is a separate trade idea → All allowed

In short: On a $50,000 account, no more than $1000 floating or closed loss may be allocated to a single trade idea, regardless of how many entries you use within it.

Remember, this rule is only applied in the funded phase.


Guidelines

Additional account and trading guidelines.

News Trading

Challenge Phase Rules

News trading is fully permitted during the Challenge phase, with no restrictions in place.

  • Traders may engage in any form of news trading.

  • There are no limitations regarding profit percentages, timing restrictions, or penalties during this stage.

Funded Phase Rules

News trading is allowed, but one critical guideline must be followed:

  • No more than 30% of total profits can be derived from trades influenced by high impact news. If this threshold is exceeded, payout processing will be delayed until additional trades reduce the percentage below the limit.

Timing Restrictions

For the purpose of the 30% rule, a trade is classified as a "News Trade" based on specific timing relative to a Red Folder event affecting that specific asset.

The 10-Minute Window: A trade is considered a News Trade if it is opened, held, or closed within the window of:

  • 5 minutes before the news release.

  • 5 minutes after the news release.

Affected Instruments

All currency pairs linked to the news event are restricted, along with indices tied to the relevant currency's economic news.

  • For example:

    • US30 will be flagged during high impact US news events.

    • DAX will be restricted during EUR-related news events.

    • JPN225 will be restricted during JPY-related news events.

These instruments are subject to the same news-trading guidelines and restrictions.

Special Exceptions/Key Differences

To accommodate traders who prefer not to micromanage positions around news events, 2-Step Day and Swing accounts may hold trades through such events under the following conditions:

  • Trades with trade duration of 5 hours or more before the release of any high impact news shall not be considered News Trading.

  • Profits from news-influenced trades must remain below 30% of total PnL.

Both rules must be followed for trades held through news events to remain compliant.

Leverage

FundingTraders supports up to 1:50 leverage, with specific ratios for each instrument class to suit different trading strategies and manage risk appropriately.

  • 1:50 leverage on FX Majors gives scalpers and day traders the flexibility to capture intraday price movements with smaller margin requirements.

  • Lower leverage on other asset classes reflects their unique volatility and risk profiles.

  • All traders are encouraged to use leverage responsibly and practice robust risk management to maximize opportunity without exposing accounts to excessive risk.

This tiered leverage structure ensures both opportunity and account protection, aligning with FundingTraders' focus on sustainable trading.

  1. FX Majors: 1:50

  2. EURGBP and GBPJPY: 1:30

  3. FX Minors/Exotics: 1:30

  4. Indices:

    • Nasdaq (US100 / NAS100): 1:30

    • Dow (US30): 1:40

    • DAX (GER30): 1:30

    • Nikkei (JAP225 / JPN225): 1:40

    • S&P (US500 / SPX500): 1:25

    • UK100: 1:20

    • All other indices: 1:15

  5. Metals (Gold / Silver): 1:20

  6. Oil: 1:10

  7. Commodities: 1:1

  8. Crypto:

    • BTC: 1:10

    • ETH / SOL / XRP: 1:5

    • All Other Crypto Pairs: 1:1

Commissions

At FundingTraders, the commission structure is straightforward and designed to be transparent throughout different account phases.

Commission applies to all instruments in the funded phase only, unless you opt for special add-ons.

Add-ons

  • Zero Fees

    • If this add-on is selected, funded accounts are not subject to the standard $3/lot commission.

Important Details

  • Without Add-ons

    • Funded accounts are subject to a $3/lot roundtrip commission on all instruments, except Indices.

  • With "Zero Fees" Add-on

    • No commissions are charged; swap-free trading is also enabled.

This clear commission policy allows traders to plan their cost structure accurately and choose add-ons to match their preferences.

Minimum Trading Days Requirement

Day and Swing have different minimum trading days.

2-Step · Day

  • Phase 1: No minimum trading days

  • Phase 2: No minimum trading days

  • Funded Phase: Minimum of 4 trading days before each payout

2-Step · Swing

  • Phase 1 (Challenge Phase only): Minimum of 4 trading days

  • Phase 2 (Challenge Phase only): Minimum of 4 trading days

    • Total required: 8 trading days across both challenge phases

  • Funded Phase: Minimum of 2 trading days

Reminder

  • A trading day is counted only when at least one trade is placed

  • Each required trading day must show genuine trading activity to be considered valid

This requirement helps ensure consistent trading behavior and proper risk management throughout the evaluation process.

Inactivity

Accounts with no trading activity for 30 days are closed. See General Trading Guidelines.


Payout

Payout eligibility requirements and information

Payout Schedule

Every 21 or 14 days | The default first payout is available 21 days after the first trade on a funded account for the trading period.

14-Day Payout Add-On: If you have this add-on, you are eligible to receive your first payout just 14 days after the first trade on your funded account. This also applies to all subsequent payouts.

Profit Split

Day: a default profit split of 80% to the trader and 20% to the firm. For a higher payout, add-ons are available during checkout to increase the profit split to 90% or even 100%.

Swing: 70% on your first payout, 80% on your second and 90% from your third payout onward. See Swing Account: Profit Split That Grows above.

Payout Process

1. Go to the Payouts Tab

Open your dashboard, click Payouts in the navigation menu, then click the "Request Payout" button.

2. Enter your 2FA Code

When prompted, type the 6-digit code from your authenticator app to verify your request.

3. Confirm via Email
A confirmation link will be sent to your registered email address. Click the link to proceed.

4. Choose Your Payout Method
After confirming, you'll be redirected to the payout details page. Select your preferred payout method, Rise or Crypto, enter the required details, then click "Request Payout" to submit.

  • Rise (Bank Transfer)

    • Processing Time: 24–48 hours, weekends not included

    • Minimum Payout: $200

    • Method: Direct bank transfer via Rise Pay

    • How to Collect:

      1. Request payout through the FundingTraders dashboard

      2. Receive your payout bonus!

    • Bank transfer and crypto withdrawal both available via Rise.

  • Crypto (via Coinbase Commerce)

    • Processing Time: 24–48 hours, weekends not included

    • Minimum Payout: $50

    • Eligibility: Crypto payout available only if Rise is not an option

    • Primary Method: USDT-ERC20 via Coinbase Commerce

    • How to Collect:

      1. Request payout through the dashboard

      2. Provide your account number and crypto wallet address

      3. Receive your payout bonus!

Notes:

  • All positions and limit orders must be closed before placing a payout request.

  • Payouts are subject to minimum thresholds, depending on the payout method.

5. Final Confirmation

You'll receive a final email confirming that your payout request has been successfully submitted. To monitor the status of your request, go to your Payouts dashboard and select the Pending tab.

Refund Bonus Upon Second Payout

FundingTraders provides a Refund Bonus as a unique benefit for traders who reach their payout milestones. When you qualify, the fee you paid for your evaluation phase is refunded, helping you maximize your trading rewards.

What is the Refund Bonus?

  • Upon reaching your qualifying payout, you receive a refund of the amount paid for your evaluation phase.

How is the refund processed?

  • Card Payments: Refunded directly to the same card originally used.

  • Crypto Payments (USDT-ERC-20): Refunded to a USDT-ERC20 address; you will be asked for this address via email after you receive your payout notice.

Timing

The refund is processed together with your second payout.

Example

If you paid $149 for your evaluation and passed, your second payout will include the profit share you earned plus the $149 refund.

Important Notes

  • The refund bonus is issued only once, with your second payout.

  • Make sure your original payment method remains valid at the time of payout.

  • For expired or problematic payment methods, contact FundingTraders support to arrange an alternative.

Account Reset While Payout is Being Processed

2-Step Day and Swing accounts are automatically reset to their initial balance while a payout request is being processed, allowing traders to continue trading without any interruption.

If an account fails within 48 hours of a payout request, the payout will be denied. The account will then be reinstated, and the payout amount will be credited back to the account balance.


FAQ

Will an auto-close fail my Day account?
No. An auto-close is not a rule breach. The profit or loss from the closed trades counts toward your limits and target as normal.

Will I get a warning before the close?
Yes. If you have open forex, gold, index or oil positions or pending orders, you'll get an email and an in-platform notice 15 minutes before the close.

Can I trade crypto on weekends?
Yes, on both Day and Swing. On Day, crypto positions stay open through the daily and Friday close, and you can open new crypto trades over the weekend. Forex, gold, indices and oil reopen on Sunday.

Are there minimum trading days on Day?
Not in Phase 1 or Phase 2: hit the target and you move on. On a funded Day account, you need at least 4 trading days before each payout.

Can I change my account type later?
You can change between Day and Swing when you request a payout or reset your account, once per payout cycle. To switch to Day, you must have no open positions or pending orders.

Does Swing pay out more than Day?
Not necessarily. Day starts at 80% and can go to 100% with add-ons. Swing starts at 70% and reaches 90% from your third payout. Choose the account that matches how you trade.


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