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Passing is half the game. The payout terms decide whether the money actually reaches your account.
The whole point of a funded account is the payout — yet payout rules are the least-read part of every prop firm's terms, and the most common place a funded trader gets a nasty surprise.
Here's how payouts actually work across the major firms: when you can first withdraw, how often after that, what split you keep, the minimum you need, and the conditions that can delay or cancel a withdrawal.
Almost every firm makes you wait for the FIRST withdrawal — commonly a set number of trading days or calendar days on the funded account (often 14–30 days), sometimes a minimum number of active days. This is the firm filtering out one-off lucky runs before it pays.
After the first payout clears, the cadence usually shortens (bi-weekly or on-demand). Know your first-payout date the day you get funded, and don't expect money before it.
The split is your share of the profit. Most firms start at 80% and scale toward 90–100% as you hit milestones or stay consistent. A few advertise 100% on the first payout as a promo.
Read whether the headline split applies from day one or only after scaling — the advertised number is often the best case, not the starting case.
There's usually a minimum profit before you can request a payout (e.g. $50–$200, or a % of the account). Below that, the request is rejected and you keep trading.
Payout methods vary — bank/wire, Deel/Rise, crypto (USDT), or a wallet. Each has its own processing time on top of the firm's approval time. The 'instant' in marketing rarely means instant to your bank.
A payout can be held or cancelled if the account breached a rule during the period (even one that didn't end the account), if the consistency rule isn't satisfied, if KYC isn't complete, or if the firm flags the trading style (news straddling, copy-trading across accounts, hyper-scalping that violates terms).
None of these show as a loss — they show as a denied withdrawal. Complete KYC early, trade inside the rules every day, and your payout is routine.
Most firms enforce a first-payout waiting period — commonly 14–30 days or a minimum number of trading days on the funded account — before the first withdrawal. After that, cadence usually shortens to bi-weekly or on-demand. Check the specific firm's funded-account terms.
Typically 80% to start, scaling toward 90–100% with consistency or account milestones; some run 100%-first-payout promos. The advertised top split is often the best case, not the starting split — verify when it applies.
Usually a rule breach during the period (even a non-fatal one), an unmet consistency requirement, incomplete KYC, or a trading style the terms prohibit. These deny the withdrawal without showing as a loss — read the payout + consistency rules before you size up.
Approval time (the firm reviewing the request) plus method time (wire/crypto/Deel). 'Instant' usually refers to approval, not arrival in your bank. Plan for a few business days end-to-end.
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Educational content only — not financial advice and not affiliated with the firms mentioned. Rules change often; verify against a firm's official terms before relying on any detail.