Instant Funding Review 2025 – Fast Funded Accounts and Trading Conditions
Instant Funding (organization) is a UK-based prop trading firm (parent: Acello Ltd (organization)) offering instant funded accounts and standard one-phase and two-phase evaluation challenges. In 2025, Instant Funding competes on price, flexibility, and fast capital access. Traders can select multiple account sizes with competitive profit splits and tier-1 liquidity, supporting FX, commodities, indices, and cryptocurrencies. For those exploring other prop trading firms, see our Find My Prop Firm tool. This review covers account types, costs, scaling rules, trading conditions, deposits & withdrawals, support channels, social presence, and the overall value proposition for traders seeking immediate funded access.
1. Company Profile & Overview
- Parent Company: Acello Ltd (UK-based private company)
- Location: 13 Hursley Road, Chandler’s Ford, Eastleigh, Hampshire, England, SO53 2FW (location)
- Type: Private Limited Company
- Founded: 24 June 2020
- CEO: Lewis Mansbridge (person)
- Customer Rating: 4.6★ on Trustpilot (approx. 1,250 reviews)
| Key Information | Rating (1–5) |
|---|---|
| Overall Score | 4.21 |
| Instant Funding Challenge Difficulty | 3.43 |
| Commission & Spread | 4.2 |
| Challenge Fees | 5.0 |
| Scaling Plan | 4.0 |
| Dashboard UX | 4.7 |
2. Account Types & Structure
Instant Funding Account (Immediate Access)
- Phase 1: Immediate funded account, no evaluation phase
- Profit Split: 70/30, scalable to 90/10
- Maximum Funds: $600,000
- News Trading: Initially disabled, can be enabled manually at 1:30 leverage
- First Withdrawal: 14 days, then weekly
| Feature | Availability |
|---|---|
| Trading Overnight | Yes |
| Trading During Weekend | Yes |
| News Trading | Yes |
| EA Trading | No |
| Cryptocurrency | Yes |
One-Phase Challenge (10% Target)
- Phase 1: 10% profit, daily drawdown 3%, smart drawdown 10%
- Profit Split: 80/20, scalable to 90/10
- Maximum Funds: $600,000
| Feature | Availability |
|---|---|
| Trading Overnight | Yes |
| Trading During Weekend | Yes |
| News Trading | Yes |
| EA Trading | No |
| Cryptocurrency | Yes |
Two-Phase Challenge (8% + 5% Target)
- Phase 1: 8% profit, daily drawdown 5%, smart drawdown 10%
- Phase 2: 5% profit, same drawdown conditions
- Profit Split: 80/20, scalable to 90/10
- Maximum Funds: $600,000
| Feature | Availability |
|---|---|
| Trading Overnight | Yes |
| Trading During Weekend | Yes |
| News Trading | Yes |
| EA Trading | No |
| Cryptocurrency | Yes |
3. Pricing & Value Proposition
Challenge Fees Comparison
Instant Funding challenges are competitively priced compared to market averages. For instance, a $25,000 challenge costs $134*, which is $75 less than the market average. This pricing advantage extends across all account sizes up to $200,000. Discounts are available directly on the provider’s site. Traders can evaluate their cost per drawdown dollar for better comparison of value. For comparing multiple prop firms, visit our Prop Firm Comparer.
| Challenge Size | Market Average Price | Challenge Price | Difference |
|---|---|---|---|
| $25,000 | $209 | $134* | -$75 |
| $50,000 | $310 | $242* | -$68 |
| $100,000 | $515 | $431* | -$84 |
| $200,000 | $969 | $832* | -$137 |
Cost-Effectiveness Analysis
Drawdown per dollar spent shows the value of Instant Funding’s challenges. Lower cost relative to drawdown enhances capital protection for traders. For a $25,000 account, drawdown per dollar is 18.6 vs. 11.4 market average, offering significantly better buffer and risk management. This efficiency improves for higher account sizes and supports traders prioritizing capital retention and cost-effective access.
| Challenge Size | Market Average Price [Drawdown $ / $] | Challenge Price [Drawdown $ / $] | Difference [Drawdown $ / $] |
|---|---|---|---|
| $10,000 | 8.0 | 12.5 | +4.5 |
| $25,000 | 10.9 | 14.7 | +3.8 |
| $50,000 | 14.6 | 19.2 | +5.4 |
| $100,000 | 17.5 | 22.7 | +5.2 |
| $200,000 | 18.6 | 22.7 | +4.1 |
Profit Splits & Scaling Rules
Eligibility for account scaling requires achieving a minimum of 10% gain on the account balance. Scaling uses 5% of the initial balance, retaining the remaining profit for the trader. For example, an account starting at $100,000 with a 10% gain ($10,000) can scale to $200,000, where $5,000 is used for scaling and $5,000 remains with the trader. Scaling is available up to $1,600,000 for challenge accounts and $1,280,000 for instant accounts. Loss limits adjust accordingly.
| Elapsed Time | Initial Balance | Max Daily Loss | Max Loss |
|---|---|---|---|
| Initial Balance | $50,000 | $2,500 | $5,000 |
| 10% profit | $100,000 | $5,000 | $10,000 |
| 10% profit | $200,000 | $10,000 | $20,000 |
| 10% profit | $400,000 | $20,000 | $40,000 |
| 10% profit | $800,000 | $40,000 | $80,000 |
4. Trading Conditions & Platform
Supported Platforms
- DXtrade
- MetaTrader 5
- cTrader
Leverage & Asset Support
| Asset | Challenge Leverage | Instant Funding Account Leverage |
|---|---|---|
| Forex | 1:100 | 1:100 |
| Commodities | 1:40 | 1:20 |
| Indices | 1:20 | 1:10 |
| Crypto | 1:2 | 1:2 |
Trading Rules (News, Overnight, Crypto)
Trading overnight, during weekends, and on news events is generally allowed for all account types, with the exception of EA trading, which is restricted.
5. Deposits, Withdrawals & Support
Payment Methods
- Stripe (credit cards)
- NOWPayments (USDT)
- Skrill
- RISE – for withdrawals
Withdrawal Timeline & Processing
- First payout: 14 days, then weekly
- Processing: ~24 business hours; weekends and UK bank holidays may delay to next working day
Customer Support Channels
- Email: support@instantfunding.io
- Live Chat: available on site, average response ~3 minutes
- Discord: community & announcements
6. Pros & Cons Analysis
| Pros | Cons |
|---|---|
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7. Is Instant Funding Safe? (E-E-A-T Section)
Regulatory Status & Security
Instant Funding is UK-registered (Acello Ltd). The firm uses tier-1 liquidity and public contact channels. Traders should review T&Cs, withdrawal processes, and community feedback before committing funds. No company is completely risk-free.
Customer Reviews & Trustpilot Rating
Trustpilot: 4.6/5 (approx. 1,250 reviews). Positive highlights: instant funded accounts, active community, competitive pricing, fast withdrawals. Reported negatives: no fee refund, EA restrictions, occasional platform issues.
8. FAQ – Common Questions
Q: How does Instant Funding’s One-Phase challenge work?
A: The One-Phase challenge requires a 10% profit target, daily drawdown of 3%, and overall smart drawdown of 10%. After meeting the target, the trader receives a funded account with profit split starting at 80/20, scalable to 90/10.
Q: What is the Two-Phase challenge structure?
A: Phase 1 requires 8% profit, Phase 2 requires 5% profit, both with daily drawdown and smart drawdown limits. Profit split starts at 80/20, scalable to 90/10.
Q: What does the Instant Funding Account provide?
A: Provides immediate funded account without evaluation phase, smart drawdown applies. Seven account sizes up to $600,000, profit split 70/30 scalable to 90/10. First withdrawal after 14 days, then weekly.
Q: Are withdrawals fast and reliable?
A: Withdrawals via RISE are processed within ~24 business hours, first payout after 14 days, then weekly. Weekends and bank holidays may cause delays.
Q: Is Instant Funding safe?
A: Instant Funding is UK-registered (Acello Ltd) and uses tier-1 liquidity. Traders should review T&Cs, withdrawal flow, and community feedback before committing funds.
9. Final Verdict & Recommendations
Instant Funding is young but competitive. Instant funded accounts, flexible scaling, and cost-effective challenges make it attractive for traders seeking fast capital access. Limitations include non-refundable fees and drawdown nuances. For discount codes and promotions, visit FXProp Promotional Codes.
Overall, traders seeking instant funded accounts with solid pricing and weekly payouts will find Instant Funding a strong option.
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