The5ers spent a decade as a forex firm that American traders legally couldn’t touch. Then in February 2026 it launched a futures program — and suddenly it’s a firm US traders can use, going head-to-head with Apex and Topstep on CME contracts. That’s the inversion worth understanding: the CFD programs that made The5ers famous are off-limits to Americans, while the futures product almost nobody has reviewed yet is wide open. This review covers both sides: cost for every plan, payment and withdrawal methods, the drawdown and scaling mechanics, the Trustpilot record, and the marketing line about a “100% profit split” that deserves a much closer look. Source: Funded Trading — The5ers review
The5ers at a glance
The5ers (also written “The 5%ers”) launched in January 2016 out of Raanana, Israel, under CEO Saul Lokier — the brand is operated by Five Percent Online Ltd, a UK-registered company. Ten years on, it reports 262,000 funded traders and 149 employees across 23 countries, with an average payout turnaround of about 16 hours. It sits inside a broader “5% Group” that includes Trade The Pool (US equities prop) and TSG Brokers, a CySEC-regulated brokerage arm in Cyprus — regulatory infrastructure that most pure-play challenge shops don’t have anywhere near. Independent tracking via Payout Junction confirms $43M+ across 20,000+ payouts, and that figure only counts payments routed through Rise, so the real total is higher. Source: The5ers — official site
The futures program (the part US traders can actually buy)
The5ers Futures runs two plans — Day Trade and Swing — across $25K, $50K, $100K, and $150K accounts. Unlike Apex, there’s no activation fee at any size, and the evaluation fee is refunded to you on your third payout. The $25K Day Trade entry is $59. The evaluation asks for a 6% profit target; once funded, the target drops to 4%. Max loss is 4%, calculated end-of-day rather than chasing intraday spikes — which puts it closer to Topstep’s forgiving model than Apex’s intraday trailing. Source: The5ers — futures program
| Parameter | Evaluation phase | Funded stage |
|---|---|---|
| Profit target | 6% | 4% |
| Max loss (EOD) | 4% | 4% |
| Consistency (per position) | 40% | 40% |
| Contracts ($25K) | 2 mini / 20 micro | 2 mini / 20 micro |
| Price ($25K) | $59 — refunded on 3rd payout | — |
| Activation fee | None | None |
Two things here are genuinely unusual for a futures prop firm. First, overnight holding is allowed and news trading is allowed — Apex bans overnight holds outright, so if your edge needs a position to survive the close, this is a real differentiator (Day Trade positions must be flat 10 minutes before the close; the Swing plan holds overnight but not over weekends). Second, there’s a scaling plan: every 10% profit milestone bumps your buying power 5% and adds 1 mini / 10 micro contracts, laddering up to $500K. The futures split is a flat 80/20. Source: The5ers — futures scaling plan
The CFD programs and what they cost
On the CFD side, The5ers runs three evaluation paths, and picking wrong is an expensive mistake because leverage, drawdown logic, and news rules all differ. Full cross-firm cost comparisons live in our prop firm true-cost hub. Source: The Prop Firm Guide — The5ers programs
| Program | Steps | Target | Max drawdown | Leverage | Starting split |
|---|---|---|---|---|---|
| Hyper Growth | 1 | 10% | 6% (3% daily) | 1:30 | 50% |
| High Stakes | 2 | 8% then 5% | 6% trailing | 1:100 | 80% |
| Bootcamp | 3 | 6% per phase | 5% trailing | 1:10 | 50% |
Pricing spans an enormous range depending on program and size. Bootcamp is the budget door — entry from roughly $22–$30, with the remainder of the fee due only once you’re funded ($50 on the $20K plan, $205 on the $100K, $350 on the $250K). Hyper Growth is the expensive one, with a $5K account around $256 and a $20K around $817. High Stakes sits between, and uniquely refunds 70% of your fee into your funded account equity, withdrawable with your first payout once the account has run 14 days and made $150. Bootcamp also grows your balance through its phases — the $20K plan starts you at $5K, then $10K, then $15K, before funding at $20K. Source: Fortunly — The5ers pricing
About that “100% profit split”
The5ers markets “up to 100% profit split,” and it is factually true. It is also doing an enormous amount of work with the words “up to.” On Bootcamp and Hyper Growth, the split starts at 50% — you keep half — and ladders upward only as you clear consecutive scaling milestones. High Stakes traders start at a much friendlier 80%. Reaching the genuine 100% tier means scaling an account through many milestone cycles into the seven figures. It’s real, it’s documented, and virtually nobody gets there. Read the ladder, not the headline. Source: FXEmpire — The5ers profit splits
Payment methods (paying in)
Evaluation fees are one-time payments made at checkout in the Hub, and every account is denominated in USD. Bootcamp splits its cost — a small entry fee up front, the balance due only once you pass and unlock the funded account. Note the firm’s jurisdiction list: The5ers doesn’t serve a long roster of restricted territories, and US residents are limited to the futures product. Source: The5ers — terms and jurisdictions
Withdrawal methods & payout rules (getting paid out)
Per The5ers’ own help center, payouts run on four rails: Rise (riseworks.io — your Rise email must match your account email), cryptocurrency (USDT TRC20, USDC ERC20, ETH, LTC — capped around $1,500 per request), bank transfer, and Hub Credits. The official FAQ lists a 3.5% commission on Rise, crypto, and bank transfers, with Hub Credits taking no commission — though Hub Credits are non-withdrawable and can only buy new challenges, which makes “0% fee” a fairly creative way to describe not actually receiving money. Several third-party reviews still quote the older 2%/3% fee tiers, so trust the help center over the blogs. Source: The5ers Help Center — payout methods
• Schedule: biweekly — first withdrawal 14 days after funded-account activation, every 14 days thereafter.
• Minimum: $150, calculated after the profit split.
• KYC: mandatory before your first withdrawal.
• Timer reset: the 14-day clock restarts every time your account scales — so a scale-up can push your payout date back.
• Drawdown impact: withdrawals reduce your balance without lowering the drawdown floor, so pulling profits thins your own cushion.
• Inactivity: 30 consecutive days without trading and the account expires.
Trustpilot & reputation
The5ers holds a 4.8/5 on Trustpilot across roughly 21,000+ reviews (some trackers cite higher counts and a 4.9 average), with about 93% five-star. The praise is remarkably consistent across a decade: payouts arrive, rules are clearly stated, support answers fast. In ten years of operation there’s no documented case of systemic payout failure — a sentence you cannot write about most of this industry. The firm also responds publicly to the overwhelming majority of negative reviews. Source: Trustpilot — The5ers
Who it’s for — and who should skip it
The5ers Futures fits a US or international futures trader who wants overnight holding, news-trading freedom, no activation fee, and a fee refunded by the third payout — and who trades methodically enough to live inside a 40% per-position consistency rule. The CFD side fits a non-US career trader building toward the scaling ladder over years, not someone flipping a challenge for a quick payout. Skip it if you scalp news on a 2-step challenge, if you’re attached to NinjaTrader or Tradovate for futures, if one outlier trade routinely makes your month, or if a 50% starting split on two of three CFD programs is a dealbreaker. Source: PropFirmScope — The5ers fit analysis
The verdict
The5ers is one of the most credible names in prop trading, and the record backs it: ten years running, 4.8 across 21,000+ reviews, $43M+ in independently verified payouts, a CySEC-regulated sibling brokerage, and no systemic payout failure on the books. The new futures program is quietly one of the more interesting products on the board for US traders — $59 entry, no activation fee, fee refunded on the third payout, overnight holds and news trading permitted, EOD max loss. The honest debits: the “100% split” headline conceals a 50% starting floor on two CFD programs, the 40% per-position futures consistency rule is stricter than the competition’s, the 3.5% payout commission is a real haircut nobody advertises, and discretionary “bulk trading” enforcement exists here as everywhere. This is a firm built for traders who stay, not traders who flip. Verify current terms before you buy — this one’s changing fast. Source: The5ers — official futures page
Frequently asked questions
How much does The5ers cost?
Futures: $59 for a $25K Day Trade account, with no activation fee, refunded on your third payout. CFD: Bootcamp starts around $22–$30 with the balance ($50–$350 depending on size) due only after you pass; Hyper Growth runs roughly $256 ($5K) to $817 ($20K); High Stakes sits between and refunds 70% of the fee into your funded equity. All fees are one-time — there are no monthly subscriptions.
What payment methods does The5ers accept?
Evaluation fees are one-time payments made at checkout in The5ers Hub, with all accounts denominated in USD. Bootcamp splits payment: a small entry fee up front, with the remainder due only once you pass and unlock the funded account.
How do The5ers payouts work and how do you get paid?
Four rails: Rise (riseworks.io), cryptocurrency (USDT TRC20, USDC ERC20, ETH, LTC — around $1,500 per request), bank transfer, and Hub Credits. The official help center lists a 3.5% commission on Rise, crypto, and bank transfers; Hub Credits carry no commission but are non-withdrawable and can only buy new challenges. Payouts are biweekly, starting 14 days after funded-account activation, with a $150 minimum after the profit split and mandatory KYC. The 14-day timer resets each time your account scales.
What is The5ers’ Trustpilot score?
The5ers holds a 4.8/5 on Trustpilot across roughly 21,000+ reviews, with about 93% five-star (some trackers report higher review counts and a 4.9 average). Praise centers on reliable payouts and clear rules. In ten years there’s no documented case of systemic payout failure.
Does The5ers accept US traders?
Partially. US traders cannot buy The5ers CFD challenges due to CFTC restrictions on retail OTC CFD products. However, US traders are fully eligible for The5ers Futures, launched in February 2026 with access to CME, CBOT, NYMEX, and COMEX markets.
Is The5ers’ 100% profit split real?
Real, but heavily conditional. On Bootcamp and Hyper Growth the split starts at 50% and ladders up only as you clear consecutive scaling milestones; High Stakes traders start at 80%. Reaching a true 100% split requires scaling an account through many milestone cycles into seven-figure territory. Futures accounts run a flat 80/20 split.
Can you hold trades overnight on The5ers Futures?
Yes — a genuine differentiator versus Apex, which bans overnight holds entirely. Day Trade positions must be flat 10 minutes before the market close; the Swing plan permits overnight holding but not over weekends. News trading is also allowed on the futures program.
Transparency: [AFFILIATE STATUS — CONFIRM BEFORE PUBLISH.] This review is for information only, is not financial advice, and trading carries substantial risk of loss. The5ers CFD programs are unavailable to US residents; The5ers Futures is available to US traders. Rules, pricing, payout commissions, and program structures change frequently — always verify current terms on the5ers.com before purchasing.
