TFC Funder vs The5%ers
Two different models compared. The5%ers pioneered instant funding. TFC uses the evaluation model. Hereβs which one actually pays you more.
Full comparison
Rows where TFC wins are highlighted green. Rows where The5%ers wins are amber. Ties are neutral.
| Feature | TFC Funder | The5%ers |
|---|---|---|
| Business model | Evaluation β Funded | Instant funding OR evaluation |
| Entry price (equivalent $10K) | β$79 (2-Step) | ~$495 (Instant) / ~$95 (eval) |
| Max account size | β$200,000 | $100,000 (scaled) |
| Starting profit split | Up to 90% | 50% β 100% (scales) |
| Max scaled profit split | 90% | 100% |
| Payout speed | β< 24 hours (crypto) | 1β3 business days |
| Crypto payouts | ββ BTC / ETH / USDT / USDC | Limited |
| Mobile money support | ββ EcoCash + regional | β |
| Fee refund on first payout | ββ Yes | β No |
| Daily drawdown (evaluation) | 3β5% | 4β5% |
| Max drawdown (evaluation) | 6β8% | 4β8% |
| Time to capital | Evaluation period (daysβweeks) | Immediate (Instant plan) |
| UK registered entity | β Companies House 17173699 | β UK-based |
| MT5 support | β | β MT4 & MT5 |
| Track record | New firm (2026) | Since 2016 |
Built for speed and access
Weβre not better on every axis
If these matter more than anything else, The5%ers is the right call. Honesty matters more than winning the page.
An honest recommendation
- You’re confident you can pass an evaluation β you want to pay 5β10x less up front
- You want your challenge fee back on your first successful payout
- You trade from Africa, the Middle East, or South Asia β native mobile money and crypto rails
- You want 90% split from day one, not after months of scaling
- You want crypto payouts settled in under 24 hours
- You want to skip evaluation entirely β you’re willing to pay a premium for immediate funded capital
- You’re a long-term trader who can reach 100% profit split through their scaling program
- You value a 10+ year track record over price, speed, and emerging-market features
- You’re in Europe/North America where their card + wire rails work seamlessly
Hereβs how it works β takes 5 minutes
No migration paperwork. Your existing strategy works here the same way.
Common questions
Is TFC cheaper than The5%ers?οΌ
Yes β substantially. TFC 2-Step $10K is $79. The5%ers' Instant Funding equivalent starts at ~$495. Their evaluation plan is closer in price but TFC still wins on payout speed, split, and regional payment support.
Does The5%ers offer instant funding?οΌ
Yes β that's their pioneering feature. Pay upfront and trade a funded account from day one. TFC uses the traditional evaluation model: pass a challenge first. Evaluation is cheaper; instant is faster to capital.
Which has better payout speed?οΌ
TFC processes crypto payouts in under 24 hours. The5%ers uses wire and select crypto routes β typically 1β3 business days.
Can I use Expert Advisors or trade copiers?οΌ
Neither firm allows EAs on their default plans. Both require manual trading. Always verify current rules before buying.
What if I fail an evaluation?οΌ
TFC offers 20% off to retry. Fee refund on the ORIGINAL challenge doesn't transfer, but your retry is discounted and all learnings come with you.
Fee refunded on your first payout.
If you pass and earn your first payout, your challenge fee comes back. So the only question is price and payout speed.
The5%ers is a registered trademark of High 5 Capital Ltd. TFC Funder is not affiliated with, endorsed by, or sponsored by The5%ers. All comparisons are based on publicly available information as of April 2026and are provided for informational purposes only. Pricing and rules may change; verify current details on each firmβs official site before making a decision.