Headline: Unannounced rule changes ruined my trading psychology and my account
I am extremely disappointed with InstantFunding. I previously traded a 100k account with them and was satisfied because the 3% minimum withdrawal rule fit my strategy perfectly. Based on that experience, I decided to purchase a 200k account (N° 8095714).
However, after I started trading, I discovered an **unannounced** change: the minimum withdrawal was suddenly raised from 3% to 5%. This was never communicated to me before my purchase.
The impact was devastating:
* I had a great start, making a good profit in the first two days.
* Under the 3% rule ($6,000 target), I was 50% of the way to a payout.
* Finding out the target was actually $10,000 (5%) caused immediate frustration and psychological pressure.
* This forced me to change my trading plan to hit the higher target, which led to the loss of my account on three days after.
It is completely unfair to change core rules suddenly without warning. It shows a lack of transparency and damages the credibility of the firm. I chose to try this firm despite other negative reviews because I thought they were professional, but I was wrong.
I am still waiting for a fair resolution. Traders beware: your targets might change without warning here.
Account Number: 8095714
Instant Funding denied my $3,125 payout…
Instant Funding denied my $3,125 payout after I became profitable.
Their final justification was that accounts registered under different emails were accessed from the same device environment. However, both accounts belonged to me. I initially registered using a secondary email for testing purposes and later created a main verified account under my real details.
At that time, there was no clear rule explicitly prohibiting this. In fact, some prop firms clearly state such restrictions and immediately block duplicate registrations. Instant Funding did not.
Instead:
– they accepted multiple payments from me
– allowed me to purchase many challenges
– approved my KYC verification
– allowed trading without restrictions
Only after I generated profit and requested a payout did the “violations” suddenly become an issue.
They also claimed that my KYC submission showed a UK geolocation. However, I have never been to the UK. During KYC, verification is completed through a mobile phone scan, and it is possible that a VPN was active on my phone at that moment. My trading computer itself does not use a VPN.
If this was truly a serious compliance issue, the company should have:
– contacted me immediately
– requested clarification
– or blocked the account before allowing continued purchases and trading
Instead, everything was accepted until payout stage.
On 23.04.2026 my payout of $3,125 was initially approved and additional location verification was requested. On 27.04.2026 my account was terminated.
In my opinion, this demonstrates inconsistent enforcement of unclear rules, where issues become relevant only after a trader becomes profitable.
Traders should carefully evaluate this risk before choosing this firm.
I would also like to address the interpretation of the rules used to justify the termination of my account.
After carefully reviewing your published Trading Rules and Terms & Conditions, I was unable to find any clear rule explicitly prohibiting a trader from creating more than one account under different email addresses belonging to the same individual.
In fact, your own materials state that traders are permitted to hold multiple accounts.
The issue in my case appears to be based on a broad interpretation related to “different identities” and “shared device environment,” despite the fact that:
– both accounts were under my control
– all trading activity was performed personally by me
– no simultaneous trading took place
– no copy trading or coordinated activity occurred
Furthermore, your Terms & Conditions state that Instant Funding may determine prohibited behavior “at its own discretion.” This creates a situation where unclear or broadly interpreted rules can be enforced retroactively after a trader becomes profitable.
If my account structure or device setup truly represented a serious compliance violation, reasonable and fair enforcement would have required:
– immediate restriction,
– clarification request,
– or account suspension before continued purchases and trading activity were allowed.
Instead:
– multiple payments were accepted,
– KYC verification was approved,
– and trading continued normally until payout stage.
This sequence of events creates the appearance of inconsistent enforcement rather than transparent compliance control.
One-Phase Micro 25000 #8087332
Hi Olena,
Thank you for your detailed feedback and for outlining your concerns regarding the denial of your $3,125 payout and the termination of account #8087332.
To provide clarity on our compliance and risk protocols:
- Multiple Accounts & Different Identities: While we permit traders to hold multiple accounts, our Terms and Conditions require that these accounts are registered under a single user identity. Maintaining accounts under different email addresses can be flagged by our security systems as an attempt to bypass individual risk limits or as 'coordinated activity.'
- KYC and Geolocation: The integrity of the KYC process is vital for our regulatory compliance. A geolocation flag (such as the UK flag you mentioned) during the verification process is a serious matter. Even if a VPN was active only on the mobile device used for the scan, it creates a discrepancy that we are required to investigate to ensure the trader is not operating from a restricted region.
- Review at Payout Stage: As a standard industry practice, a comprehensive manual audit is conducted at the payout stage. This is the point at which all account activity, network data, and KYC documentation are cross-referenced to ensure full compliance before funds are released.
We hear your concerns regarding the timing and transparency of these enforcement actions. We would like to conduct a final review of the data center and location logs associated with your account. Please provide your email address, so we can investigate the specific KYC scan results and provide you with a more detailed explanation of the final decision.
I am writing this to warn the entire…
Headline: UPDATE: Partial resolution reached after technical disputes (Honest Feedback)
Review Update (May 2026):
After my previous post, the Instant Funding support team reached out to discuss my cases (Accounts #8094905 and #8096156).
While I remain disappointed with the loss of my $50k Funded account due to a $12 slippage gap and the profit deduction on my $25k account based on their "Lot Stacking" rule, the company has shown a willingness to bridge the gap.
The Resolution:
The firm acknowledged the administrative confusion in our communication and offered a 10K IF Micro Live Account as a gesture of goodwill. Although this does not fully cover the value of the $75,000 in account equity that was lost, I accept this as a first step toward restoring trust.
My Stance:
I have decided to tone down my initial "scam" warnings to reflect this attempt at a manual solution. I appreciate the support team’s effort to listen to a loyal customer (40 accounts purchased). However, I will be monitoring the execution and stability of this new account very closely.
I hope this marks a new chapter of transparency and better protection for funded traders against market slippage. I am giving them a chance to prove their reliability once again.
New Rating: 3/5 (Adjusted from 1/5 for the effort to resolve).
Thank you for sharing your experience. We would like to have a conversation with you regarding the review of account #8096156 and the specific trade logs you mentioned.
To provide clarity on our Risk Management protocols:
- Lot Stacking & Trade Ideas: Our system calculates risk based on a 'Trade Idea.' This means multiple positions opened on the same instrument in the same direction within a short window, even if one is closed before the next is opened, can be aggregated. This is to prevent bypassing the 1% maximum risk limit per trade idea.
- Stop Loss & Slippage: While we aim for precise execution, slippage can occur during periods of high market volatility or low liquidity. This is a reflection of real market conditions where price can 'gap' over a set Stop Loss level.
- Rule Enforcement: Trading parameters are the responsibility of the trader to manage. We conduct a final manual audit during the payout stage to ensure the 15% Consistency Rule and all risk protocols were followed throughout the trading period.
We understand your frustration, especially given your history with us. Please provide us with your email address, so we can pull the tick-level data for your $50,000 account and the lot stacking analysis for account #8096156 to provide you with more transparency.
Instant funding rejecte my withdrawal…
Instant funding rejecte my withdrawal reason fraud KYC. First u proov it my kyc in fraud. Send My kyc to INDIAN GOVERNMENT and proov my kyc it's fraud. R u mad? Again and again u cheeting me .You are a fraud. Cloused another account 141389. You have no money, so rejected everyone account withdrawal. First you are a scammer. Both account my son account. ( nivan mathew)
Hi Nivan Mathew,
Thank you for your message.
Following a thorough review of your verification records by our compliance and management teams, we have identified a case of KYC abuse in violation of our policies.
Our investigation confirms that multiple individuals were involved during the verification process, and identity documents belonging to different persons were submitted. This indicates that the KYC process was not completed solely by the registered account holder.
As per our Terms and Conditions, all services are strictly for the customer’s personal use only, meaning that only the registered individual is permitted to access the account and complete verification
As outlined in our policy:
1. You must not allow any third party to access your account or participate in trading or verification
2. You must not engage or cooperate with any third party to operate or manage your account
3. You must not access or operate accounts on behalf of another individual
Any such activity is considered a Forbidden Trading Practice under our agreement, regardless of whether the third party is a family member or not.
1. Due to the seriousness of this violation and in line with our compliance obligations, we are unable to:
2. Approve or re-verify the submitted KYC
3. Reinstate or issue any new accounts linked to this activity
Process any refunds where the account has already been traded, as per our Terms and Conditions
Please also note that compliance decisions are made independently and cannot be influenced by external factors, including reviews or proposed changes to reviews.
This matter has now been reviewed thoroughly and conclusively, and our decision is final. No further action can be taken from our side, and the case is considered closed.
Instant Funding Team
Instant funding have breached the…
Instant funding have breached the funded account without any rule break
Hi Rohit,
Thank you for sharing your concern regarding account 8095391. We understand your concerns and have carefully reviewed the matter to ensure complete accuracy.
After examining the trading records and wanted to inform you that the breach occurred due to the risk/loss per trade idea rule, which applies to funded accounts. As stated in our guidelines:
Risking or losing more than 50% of the account’s starting daily drawdown at any time in one trade idea is considered gambling, and constitutes a hard breach. A trade idea includes all open positions on a single instrument in the same direction. Closing and reopening a position in the same direction on the same instrument within 10 minutes is treated as the same trade idea and does not reset the limit. This rule applies to funded accounts only.
On your $5,000 account, the maximum permitted loss per trade idea is $75 (50% of daily drawdown). Your trade 30866556 encountered the loss of $77.6 breaching this rule.
Based on the trading data, the rule violation is clearly supported by the execution logs and the calculations explained above. As a result, the account closure was applied correctly and in accordance with our trading policies.
We appreciate your understanding and encourage you to review the risk management rules carefully should you decide to trade with us again in the future.
Instant Funding Team
