Instant Funding Review – Fast Funded Accounts and Trading Conditions
Instant Funding is a UK-based prop trading firm (parent: Acello Ltd) offering instant funded accounts and standard one-phase and two-phase evaluation challenges. In 2025 Instant Funding competes on price and flexibility, providing traders with multiple account sizes, competitive profit splits, tier-1 liquidity and support for FX, commodities, indices and cryptocurrencies. 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.
Company Profile
- Parent Company: Acello Ltd
- Location: 13 Hursley Road, Chandler’s Ford, Eastleigh, Hampshire, England, SO53 2FW
- Type: Private Limited Company
- Founded: 24 June 2020
- CEO: Lewis Mansbridge
Key Information
| Feature | 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 |
Pros and Cons
| Pros | Cons |
|---|---|
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Instant Funding Challenges
Two-Phase Challenge
- 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 |
One-Phase Challenge
- 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 |
Instant Funding Account
- 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 |
Scaling Plan
Eligibility for account scaling requires a minimum achievement of a 10% gain on the account’s balance. Scaling procedures involve the use of 5% of the account’s initial balance, with the remaining profit retained by the account holder. For example, an account starting with $100,000 that achieves a 10% gain ($10,000) can be scaled to $200,000: 5% of the profit ($5,000) is used for scaling while the trader retains the remainder.
Scaling can be initiated from the dashboard once eligibility criteria are met and all trades are closed. Accounts can be scaled up to $1,600,000 (Challenge) and $1,280,000 (Instant). During scaling, loss limits are adjusted but calculated with the same methodology.
| 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 |
Challenge Fees
Comparison of Direct Challenge Costs
We compare Instant Funding Two-Phase challenge costs with market averages. Prices shown include discounts available on the provider’s site.
| 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 |
Comparison of Costs Relative to Drawdown
Drawdown size affects value for money. The Evaluation Challenge typically has a 10% drawdown; below we compare drawdown per dollar spent.
| Challenge Size | Market Avg [Drawdown $ / $] | Challenge Price [Drawdown $ / $] | Difference [Drawdown $ / $] |
|---|---|---|---|
| $25,000 | 11.4 | 18.6 | +7.2 |
| $50,000 | 15.4 | 20.7 | +5.3 |
| $100,000 | 18.5 | 23.2 | +4.7 |
| $200,000 | 20.4 | 24.0 | +3.6 |
Evaluation of the Cost-Effectiveness of the Instant Funding Account Challenge
Based on the data above and proprietary analysis, Instant Funding’s challenges offer better drawdown per dollar than market averages, making them cost-effective for traders who prioritise capital protection and competitive pricing.
Trading Conditions & Platforms
Platforms: DXtrade, MetaTrader 5, cTrader (where available). Server Provider: Tier-1 liquidity provider (no detailed public disclosure).
| 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 |
Deposits & Withdrawals
- Deposit Methods: Stripe (cards), NOWPayments (USDT), Skrill
- Withdrawal: First payout after 14 days, then typically weekly
- Minimum Payout: $25 via RISE
- Processing: Withdrawal requests processed within ~24 business hours; weekends/UK bank holidays may delay processing to next working day
- Discount codes & promotions
Customer Support
- Email: support@instantfunding.io – formal queries; substantive replies within several hours on average.
- Live Chat: Directly available on the site – fastest channel, average response ~3 minutes.
- Discord: Discord invite – community & announcements.
Social Media and Communication
Instant Funding maintains an active presence on X, Instagram, Facebook, YouTube and Telegram. Discord is the company’s primary hub for announcements and trader interaction.
Client Reviews Summary
Trustpilot Rating: 4.6/5 (approx. 1,250 reviews). Review themes:
| Pros | Cons |
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Summary
Instant Funding is a relatively young but competitive prop trading firm. It stands out for instant funded account options, competitive challenge pricing, and flexible scaling paths. The combination of low direct costs (relative to market averages) and practical scaling rules make it an attractive option for traders who prioritise quick access to capital and efficient drawdown economics.
Limitations include non-refundable fees, drawdown model nuances and some trading restrictions. Overall, for traders seeking instant funded accounts with solid pricing and weekly payouts, Instant Funding is worth consideration.
FAQ
How does Instant Funding’s One-Phase challenge work?
The One-Phase challenge requires a 10% profit target, daily drawdown of 3% and an overall smart drawdown of 10%. After meeting the target and conditions the trader receives a funded account with standard drawdown rules and profit split starting at 80/20 (scalable to 90/10).
What is the Two-Phase challenge structure?
The Two-Phase challenge requires an 8% profit in Phase 1 (daily drawdown 5%, overall smart drawdown 10%) and a 5% profit in Phase 2 with the same drawdown conditions. Profit split starts at 80/20 (scalable).
What does the Instant Funding Account provide?
The Instant Funding Account provides an immediate funded account without an evaluation phase. No profit targets or daily drawdown during the purchase phase; smart drawdown applies. Seven dollar-only sizes are available, maximum total funding per trader is $600,000. Profit split starts at 70/30, scalable to 90/10. First withdrawal after 14 days, then weekly.
Are withdrawals fast and reliable?
Withdrawals are processed via RISE (and other supported methods). First payout is available 14 days after the first trade, with subsequent weekly withdrawals. Reported processing times are generally within 24 business hours, but weekends and bank holidays may delay processing.
Is Instant Funding safe?
Instant Funding is a UK-registered entity (Acello Ltd). The firm uses tier-1 liquidity and public contact channels (email, live chat, Discord). While customer reviews are largely positive, traders should always perform due diligence: review T&Cs, withdrawal flow, and community feedback before committing funds. No company is risk-free — assess KYC/withdrawal steps and payment methods before purchase.
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