Fundex Review 2026: 90% Split, Instant Payouts

This Fundex review covers everything a trader needs to know before buying a challenge, real pricing, the monthly retainer most reviews skip over, a plain-language rules breakdown, and an honest verdict on who this firm actually suits.
Fundex is a Dubai-based prop firm with a 90% fixed split from day one, instant payouts, 100x leverage, and a clean 2-Step evaluation. The monthly retainer on funded accounts is the one detail that changes the calculus on account size. Read this Fundex review before choosing your account tier.

Quick Summary — Fundex

Overall Rating

⭐⭐⭐⭐ 4.0 / 5

Profit Split

90% fixed from day one

Min Challenge Fee

$89 (10k account)

Payout Speed

✅ Instant

Platforms

Fundex Terminal + MT5

Leverage

Up to 100x

Phase 1 Target

Phase 2 Target

Time Limit

❌ None

Discount Code

GET20 — 20% OFF

GET 20% OFF FUNDEX →

Use code GET20 at checkout · Affiliate link — see our disclosure

What is Fundex?

Fundex is a Dubai-based proprietary trading firm built for traders who want a clean evaluation, a generous profit split, and instant payouts without the wait. The 2-Step challenge has no time limit, two platform choices, and a fixed 90% profit split that kicks in from your very first withdrawal.

What separates this Fundex review from most others you will find is the monthly retainer. Most prop firm reviews lead with the 90% split and the instant payouts. Both are real and both are genuinely impressive. But every funded Fundex account carries a 1% monthly fee on the account size. That changes how you should think about account size selection, and it’s the detail most traders only find out after they’re already funded.

We’ll come back to that in full detail. First, the complete picture.

Compare Fundex against all other firms we cover at best crypto prop firms 2026.

Pros & Cons

Pros

90% fixed profit split — no upgrade needed, no tiers
Instant payouts — request and receive immediately
Two platform choices — Fundex Terminal and MetaTrader 5
100x leverage available across all phases including funded
No time limit on either phase
Phase 2 target just 5% — one of the easiest second phases in the space
Challenges from $89 for a $10K account
Accounts up to $200K
Code GET20 gives 20% off at checkout
News trading allowed
Weekend holding allowed

Cons

Monthly retainer fee on funded accounts (e.g. $100/month on $10K)
Phase 1 at 8% is moderate — not the lowest available
5 minimum trading days per phase
Newer firm — still building review count on public platforms

Fundex Review

Challenge Types and Pricing

Fundex offers a single evaluation path, a 2-Step Challenge, available on both the Fundex Terminal and MetaTrader 5.

Challenge Rules (all account sizes)

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Pricing Table

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The $100K account is marked Best Value by Fundex, lowest price-to-funding ratio in the range.

Important — Monthly Retainer explained: Once you are funded, Fundex charges a monthly retainer fee to keep your account active. The retainer scales with your account size — $100/month on a $10K account, up to $2,000/month on a $200K account. This is 1% of account size per month across all tiers.

This fee structure is different from most prop firms and is important to factor in.

If you are active and making consistent monthly profits, the retainer is covered easily. If you are in a drawdown period or trading infrequently, the retainer continues regardless. Make sure your trading frequency and expected monthly profits justify the account size you choose.

Use code GET20 for 20% off all Fundex challenges

Visit Fundex →

Trading Rules Explained

Phase 1 — 8% Profit Target

You need to grow your account by 8% from the starting balance while keeping within the drawdown limits. On a $10,000 account that means reaching $10,800. There is no time limit — take as many trading days as you need, as long as you hit the minimum 5 trading days.

Phase 2 — 5% Profit Target

Phase 2 is noticeably easier than Phase 1. Just 5% required. On a $10,000 account that means reaching $10,500 from the Phase 2 starting balance. Again, 5 minimum trading days required with no time limit.

This structure — harder Phase 1, easier Phase 2 — is common across well-designed prop firms. Phase 1 screens for strategy quality. Phase 2 confirms consistency. The combined bar of 13% across two phases with 5 minimum days each is fair and achievable for a prepared trader.

Max Daily Loss — 5%

You cannot lose more than 5% of your account in a single calendar day. On a $10,000 account that is $500. If your account drops $500 in one day at any point, the challenge is breached.

Max Overall Loss — 10%

Your account cannot fall below 90% of its starting value at any time. On a $10,000 account, the floor is $9,000. This is a static drawdown — it does not move once set. Know your floor, stay above it.

Minimum Trading Days — 5 Per Phase

You must trade on at least 5 separate calendar days per phase. You cannot pass Phase 1 in 3 days even if you hit 8% profit — you need 5 trading days of activity minimum.

Time Limit — None

No deadline. Trade at your own pace. This removes the single biggest source of psychological pressure in prop trading — the countdown clock that forces bad decisions near expiry.

Leverage — Up to 100x

100x leverage is available across both evaluation phases and on the funded account. This is significantly higher than most crypto-focused prop firms. Use it with discipline — higher leverage means your daily drawdown buffer depletes faster.

Platform Choice — Terminal or MT5?

Fundex offers two fully supported platforms. You pick at checkout and can switch between accounts if needed.

Fundex Terminal

Fundex’s own proprietary platform. Built for clean, fast execution with an intuitive interface. If you prefer a fresh, modern trading environment designed specifically for the Fundex experience, this is the choice. Similar to other modern prop firm terminals — easy to use, responsive, and purpose-built.

MetaTrader 5 (MT5)

The global standard for professional trading. If you have years of forex or multi-asset trading on MT5, you already know the environment — indicators, EAs, scripts, custom templates. MT5 gives you access to the full ecosystem of tools you have built over your trading career.

Which to choose: If you are new or prefer a clean modern interface, go Terminal. If you are an experienced MT5 trader with custom setups, go MT5.

Payouts — Instant and On-Demand

This is where Fundex genuinely separates itself from the majority of prop firms.

Payouts are instant. Once you request a withdrawal on your funded account, the payment is processed immediately. No 14-day waits. No weekly cycles. No “allow 2–5 business days.” You request it, you receive it.

For traders who are serious about treating funded trading as a business and cash-flowing their accounts, instant payouts are a significant operational advantage. You can request profits daily, weekly, or whenever you want — the schedule is entirely your own.

Profit split: 90% fixed. You keep 90 cents of every dollar of profit you generate. No upgrade required, no performance milestones to unlock it.

Monthly retainer: Remember this ongoing cost on your funded account. Factor it into your monthly profit calculations. A $10K account costs $100/month to maintain — you need to consistently pull more than $100 in profits above your costs for the account to be net positive.

Is Fundex Legit?

Yes. Based on what we know, Fundex is a legitimate and trusted prop firm with real instant payouts. The user experience reports from traders who have used the platform point to a firm that does what it says — instant payouts processed, clear rules enforced fairly, responsive support.

The platform is growing and building its public review presence. As with any growing firm, the review count will continue building over time. What we can verify is consistent with a firm operating professionally — instant payout infrastructure, two properly functioning platforms, clear published rules, and a discount code system that works at checkout.

We are comfortable recommending Fundex for traders who fit its profile, with the note that the monthly retainer is a meaningful ongoing cost that needs to be factored into your account size selection.

Fundex vs Breakout Prop

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Fundex wins on profit split, payout speed, and leverage. Breakout wins on challenge entry price, no monthly retainer, and real exchange execution transparency. For pure crypto traders, Breakout remains stronger. For multi-asset and forex traders who want instant payouts, Fundex is the better fit.

Read our full Breakout vs Fundex comparison

Fundex Discount Code 2026

The exclusive discount code is: GET20

This saves you 20% off every challenge, all account sizes, both platform options.

Savings at checkout:

Account

Original

You Pay

$10,000

$89

$71.20

$25,000

$259

$207.20

$50,000

$359

$287.20

$100,000

$529

$423.20

$200,000

$1,139

$911.20

How to apply:

Go to fundex.gg
Choose your challenge and account size
Choose your platform — Terminal or MT5
At checkout find the Discount Code field
Type GET20 and click Apply
20% discount applies immediately
Complete payment

Code: GET20

20% off all Fundex challenges — verified and working April 2026

Get 20% Off Fundex →

How to Get Started — Step by Step

Go to fundex.gg
Click Get Started or Choose Your Challenge
Select your account size — $10K is the recommended starting point for beginners
Select your platform — Terminal or MT5
Apply discount code GET20 at checkout — saves 20%
Complete payment (card or crypto)
Receive your account credentials by email
Log in to your chosen platform and begin Phase 1
Hit 8% profit target across at least 5 trading days — stay within drawdown limits
Pass Phase 1 — receive Phase 2 credentials automatically
Hit 5% profit target in Phase 2 across at least 5 trading days
Receive your funded account — activate and set up any required KYC
Trade your funded account within the 10% max drawdown
Request instant payouts whenever you want — 90% of profits go to you
Budget for the monthly retainer fee — factor it into your monthly targets

Our Verdict

Fundex is a genuinely strong prop firm that earns its place in the comparison. The 90% fixed split, instant payouts, two platform choices, 100x leverage, and no time limits are a compelling package.

The monthly retainer is the most important nuance to understand before purchasing. It is not a dealbreaker — it is a business cost that active funded traders absorb easily from their monthly profits. But it does change the calculus on account size selection. A $100K account at $1,000/month retainer requires consistent monthly performance to stay net positive. Choose your account size based on realistic monthly profit expectations, not aspirations.

For forex and multi-asset traders who want instant payouts and are comfortable with MT5 — Fundex is excellent. For pure crypto traders, Breakout Prop remains the stronger dedicated crypto choice.

Overall rating: 4.0 / 5

Is Fundex a legit prop firm?

Yes. Fundex is a Dubai-based prop firm with instant payouts, two functional platforms, and clearly published rules. The firm is growing its public review presence. We are comfortable recommending it for traders who fit its profile. Read the full Fundex review above for the complete credibility breakdown.

What is the Fundex discount code?

GET20 gives 20% off all Fundex challenges, all account sizes, both platforms. Enter it at checkout on fundex.gg.

What is the monthly retainer on Fundex funded accounts?

1% of your account size per month. A $10,000 funded account costs $100 per month. A $100,000 funded account costs $1,000 per month. This fee runs regardless of whether you are in profit or drawdown. Factor it into your account size selection before purchasing.

How fast are Fundex payouts?

Instant. Request a withdrawal and receive it immediately. No processing windows, no waiting periods.

What is the profit split at Fundex?

90% fixed from your very first withdrawal. No upgrade required and no milestones to unlock. You keep 90 cents of every dollar you profit on the funded account.

What leverage does Fundex offer?

Up to 100x across both challenge phases and the funded account. The highest leverage of any firm in this Fundex review comparison. Use it with strict risk management — high leverage means drawdown limits are hit faster on losing positions.

Which platform should I choose at Fundex?

Fundex Terminal if you are newer to prop trading or prefer a modern built-for-purpose interface. MetaTrader 5 if you are an experienced MT5 trader with custom indicators, EAs or scripts you want to carry across.

How does Fundex compare to Breakout Prop?

Fundex wins on profit split (90% vs 80% starting), payout speed (instant vs 24 hours) and leverage (100x vs 5x). Breakout wins on no monthly retainer, real Kraken exchange execution, full bot support and 883 verified Trustpilot reviews. See our full Breakout vs Fundex comparison for the complete breakdown.