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Moneta Funded review

Affiliate link: noCFDGros-Islet, Saint LuciaLast verified 34 source pagesHow we check

Moneta Funded is based in Gros-Islet, Saint Lucia. It covers forex, indices, commodities and crypto. Challenge types: 1-step, 2-step and instant funding. Entry starts at $30, with accounts from $2.5K to $200K. Split: 88% (60% option on Instant Funding; 100% on Sprint).

Visit site (opens Moneta Funded in a new tab)
Public code40% off (limited time; not valid on Sprint)

Verdict

7.5/10 puts Moneta Funded at #15 of 54. Best component: cost at 10.0 ($2.84 per $1K of account on the cheapest plan). Weakest: track record at 4.0 (no published founding year). Best for traders on a budget. Track record data is not published, so it scores 4/10 by rule.

For

  • Split can reach 100%
  • Low cost per $1K of buying power: $2.84
  • Positions can be held over the weekend
  • Static drawdown: the floor does not climb with your equity
  • Challenge fee refunded: Refund within 14 calendar days of purchase if no trades placed; no refund once traded. Challenge fee refunded after the 4th payout on the same 1-Step/2-Step account.
  • No time limit on the evaluation

Against

  • News trading restricted on some programs
  • Has a consistency rule (check which phase it applies to)
  • Founding year not published

Rules at a glance

Challenge types
1-step, 2-step, instant
Fees from
$30
Cheapest per $1K
$2.84
Account sizes
$2.5K, $5K, $10K, $20K, $25K, $40K, $50K, $80K, $100K, $200K
Profit target
5% Phase 1 / 10% Phase 2
Daily loss limit
5% (4% on lower-cost option)
Max drawdown
10% (8% on lower-cost option)
Drawdown type
static
Min trading days
3
Consistency rule
Instant Funding only: best day must not exceed 15% or 20% of profit (chosen at purchase); none on other programs
Account type
CFDSells simulated CFD accounts (forex, metals, indices, oil, crypto) on MetaTrader 5 and Match-Trader. Source
Markets
Forex, Indices, Commodities, Crypto
Platforms
  • MT5
  • Match-Trader
Leverage
Up to 1:100 on 2-Step (forex); 1:30 on all other programs
Restricted countries
Afghanistan, Thailand, Vietnam, Cuba, Myanmar, North Korea, UAE, Iran, Venezuela
Trustpilot
4.6 / 5 from 299 reviews

Fees by account size

One-time evaluation fee per program, as listed by the firm. The cheapest option at each size is marked.

Account1-Step Daily1-Step Challenge (revised)2-Step Challenge (5%/10%)2-Step Challenge (4%/8%)Instant Funding (88% split)Instant Funding (60% split)Instant Funding ProPhoenix Instant (scaling)Sprint Challenge
$2.5K-------$155-
$5K-$69$45$33$55$40$250$279-
$10K-$137$86$71$109$73$500$479$30
$20K-------$919-
$25K-$295$229$169$245$171$1.2K-$75
$40K-------$2.1K-
$50K$142$549$469$365$388$266$2.4K-$150
$80K-------$4.3K-
$100K$284$1.1K$855$660$665$454$5.3K-$300
$200K$568$2K-------

Costs beyond the fee

Reset / retry
Not published
Fee refund
Refund within 14 calendar days of purchase if no trades placed; no refund once traded. Challenge fee refunded after the 4th payout on the same 1-Step/2-Step account.
Time limit
Unlimited (Sprint: 1h/2h/4h/8h)
Activation fee
Not published
Minimum payout
100
Scaling plan
Phoenix Scaling Program: +10% target with 3 profitable days moves account up a level, up to $2,000,000.

Plug these into the true-cost calculator to see the cost to your first payout.

Payout policy

Profit split
88% (60% option on Instant Funding; 100% on Sprint)
Split scaling
Not published
Payout cycle
Every 14 days; first payout 14 days after first trade (1-Step Daily: daily; Instant Funding Pro: first payout on demand; Sprint: on reaching target)
First payout (days)
14
Payout methods
USDC-ERC20, USDT-ERC20, USDT-TRC20, Moneta Markets account
KYC before payout
Required

Trading conduct

News trading
Restricted
Weekend holding
Allowed
EAs / bots
Allowed (not on Sprint); martingale/grid/recovery EAs, HFT, latency arbitrage banned
Copy trading
Only between Moneta Funded accounts owned by the same person
Hedging
banned
Max risk per trade
Floating loss per symbol: 2% (1-Step/Instant/Phoenix) or 3%/2% (2-Step funded) triggers a 1.5% risk-per-trade-idea limit; revised 1-Step breaches at 1% floating loss
Inactivity rule
Not published

Programs

1-Step Daily 1-step

Profit target
3%
Daily loss
1%
Max drawdown
2%
Profit split
88%
Min days
0

Drawdown static (locks at initial balance on payout approval)

AccountFeePer $1K
$50K$142$2.84
$100K$284$2.84
$200K$568$2.84

1-Step Challenge (revised) 1-step

Profit target
10%
Daily loss
3%
Max drawdown
5%
Profit split
88%
Min days
0

Drawdown trailing (locks at initial balance on payout approval)

AccountFeePer $1K
$5K$69$13.8
$10K$137$13.7
$25K$295$11.8
$50K$549$10.98
$100K$1.1K$10.98
$200K$2K$9.99

2-Step Challenge (5%/10%) 2-step

Profit target
5% Phase 1 / 10% Phase 2
Daily loss
5%
Max drawdown
10%
Profit split
88%
Min days
3

Drawdown static

AccountFeePer $1K
$5K$45$9
$10K$86$8.6
$25K$229$9.16
$50K$469$9.38
$100K$855$8.55

2-Step Challenge (4%/8%) 2-step

Profit target
5% Phase 1 / 10% Phase 2
Daily loss
4%
Max drawdown
8%
Profit split
88%
Min days
3

Drawdown static

AccountFeePer $1K
$5K$33$6.6
$10K$71$7.1
$25K$169$6.76
$50K$365$7.3
$100K$660$6.6

Instant Funding (88% split) instant

Profit target
Not published
Daily loss
3%
Max drawdown
5%
Profit split
88%
Min days
0

Drawdown trailing (locks at initial balance on payout approval)

AccountFeePer $1K
$5K$55$11
$10K$109$10.9
$25K$245$9.8
$50K$388$7.76
$100K$665$6.65

Instant Funding (60% split) instant

Profit target
Not published
Daily loss
3%
Max drawdown
5%
Profit split
60%
Min days
0

Drawdown trailing (locks at initial balance on payout approval)

AccountFeePer $1K
$5K$40$8
$10K$73$7.3
$25K$171$6.84
$50K$266$5.32
$100K$454$4.54

Instant Funding Pro instant

Profit target
Not published
Daily loss
4%
Max drawdown
8%
Profit split
88%
Min days
0

Drawdown trailing (locks at initial balance on payout approval)

AccountFeePer $1K
$5K$250$50
$10K$500$50
$25K$1.2K$50
$50K$2.4K$48
$100K$5.3K$53

Phoenix Instant (scaling) instant

Profit target
10% per level to scale (no evaluation)
Daily loss
3%
Max drawdown
6%
Profit split
88%
Min days
3

Drawdown static

AccountFeePer $1K
$2.5K$155$62
$5K$279$55.8
$10K$479$47.9
$20K$919$45.95
$40K$2.1K$51.98
$80K$4.3K$53.74

Sprint Challenge 1-step

Profit target
Not published
Daily loss
Not published
Max drawdown
Not published
Profit split
100%
Min days
0
AccountFeePer $1K
$10K$30$3
$25K$75$3
$50K$150$3
$100K$300$3

Is Moneta Funded legit?

Evidence level: Limited (1/6). Publishes 95% of the fields we track. Full evidence check.

Complaints about Moneta Funded

Traders can report a payout, rule or refund problem with Moneta Funded. We check the evidence, give the firm 7 days to respond, and show the result here.

No verified complaints on record. Had a problem with Moneta Funded? Report it with your evidence.

Nothing counts against its PA Score from complaints right now. Only verified complaints the firm has not resolved within 7 days count, for 12 months.

Report a problemHow complaints work

Changelog

Last verified . Next full re-check due by (we re-verify every firm at least every 30 days).

Rule changes

DateFieldWasNow
ListingListingnoneAdded to PropAnalyse

Verification timeline

DateCheckDetail
Rules, fees and payout terms read18 pages on the firm's own site and its Trustpilot profile
Costs, refunds and payout methods checked11 help-centre / FAQ pages
Crypto trading terms checked5 pages
Account type recordedCFD, from the firm's product page
Homepage payout claims checkedNo firm-wide payout total shown

All rule changes · RSS · Verification log

FAQ

What profit split does Moneta Funded pay?

Moneta Funded lists a profit split of 88% (60% option on Instant Funding; 100% on Sprint), per its website as of 2026-11-04.

How much is the cheapest Moneta Funded challenge?

The lowest published fee is $30 for a $10K account (Sprint Challenge); account sizes start at $2.5K.

What are Moneta Funded's drawdown rules?

Daily loss limit: 5% (4% on lower-cost option); maximum drawdown: 10% (8% on lower-cost option) (static).

How often does Moneta Funded pay out?

Payout cycle: Every 14 days; first payout 14 days after first trade (1-Step Daily: daily; Instant Funding Pro: first payout on demand; Sprint: on reaching target). First payout eligible after 14 days.

Which platforms does Moneta Funded support?

MT5, Match-Trader.

Can you trade the news with Moneta Funded?

Partly. News trading is restricted on some programs or windows; check the firm's rules page.

Does Moneta Funded refund the challenge fee?

Refund within 14 calendar days of purchase if no trades placed; no refund once traded. Challenge fee refunded after the 4th payout on the same 1-Step/2-Step account..

Is there a time limit on Moneta Funded challenges?

Unlimited (Sprint: 1h/2h/4h/8h).

Can you trade crypto with Moneta Funded?

Yes: execution on Moneta Funded simulated MT5 / Match-Trader (Moneta Markets infrastructure); leverage 1:1 (1:2 on 2-Step). Full crypto terms: propanalyse.com/crypto/moneta-funded/.

Is Moneta Funded legit?

We score firms on published data, not opinions. Moneta Funded has a PA Score of 7.5/10 and a Trustpilot rating of 4.6. Check the rule history on this page for recent changes.

Embed Moneta Funded’s PA Score

Run Moneta Funded? Put this badge on your site. It is generated from our dataset, so it updates by itself whenever we re-verify, and it always shows the verification date. Embedding it, or not, never changes the score. Stars are the score divided by two.

Moneta Funded on PropAnalyse: PA Score 7.5/10
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Sources

Every figure above was read from these pages on . Firms change rules often, so confirm before you buy.

  1. https://help.monetafunded.com/en/articles/12178595-trading-platforms-offered-at-moneta-funded
  2. https://help.monetafunded.com/en/articles/12532267-moneta-funded-product-offerings
  3. https://help.monetafunded.com/en/articles/12532973-leverage-and-commission-structure-across-all-trading-programs
  4. https://help.monetafunded.com/en/articles/12533211-the-phoenix-scaling-program
  5. https://help.monetafunded.com/en/articles/12542447-news-trading-at-moneta-funded
  6. https://help.monetafunded.com/en/articles/12607025-prohibited-countries
  7. https://help.monetafunded.com/en/articles/13240975-how-big-can-the-capital-be-that-i-manage-maximum-capital-allocation
  8. https://help.monetafunded.com/en/articles/13269403-what-can-i-trade-on-moneta-funded-list-of-allowed-instruments-symbols-assets
  9. https://help.monetafunded.com/en/articles/13345521-how-does-the-consistency-rule-work-at-moneta-funded
  10. https://help.monetafunded.com/en/articles/13803356-payout-methods-and-how-to-request-payouts-at-moneta-funded
  11. https://help.monetafunded.com/en/articles/13904608-2-step-challenge
  12. https://help.monetafunded.com/en/articles/16822149-what-is-1-step-daily-and-how-does-it-work
  13. https://help.monetafunded.com/en/articles/17017469-instant-funding-account
  14. https://help.monetafunded.com/en/articles/17017943-instant-funding-pro-account
  15. https://help.monetafunded.com/en/articles/17240483-1-step-new-challenge-relaunch-rules-account-sizes-and-payouts
  16. https://www.monetafunded.com/
  17. https://www.monetafunded.com/about-us/
  18. https://www.trustpilot.com/review/monetafunded.com
  19. https://help.monetafunded.com/en/articles/12542419-moneta-funded-refund-policy
  20. https://help.monetafunded.com/en/articles/13904591-1-step-challenge
  21. https://help.monetafunded.com/en/articles/13803356-payout-methods-and-how-to-request-payouts-at-moneta-funded
  22. https://help.monetafunded.com/en/articles/12692772-completing-kyc-at-moneta-funded
  23. https://help.monetafunded.com/en/articles/12533211-the-phoenix-scaling-program
  24. https://help.monetafunded.com/en/articles/12146808-which-trading-methods-aren-t-allowed
  25. https://help.monetafunded.com/en/articles/13232644-what-is-copy-trading-is-it-allowed
  26. https://help.monetafunded.com/en/articles/13793046-temporary-risk-limits-on-funded-accounts
  27. https://help.monetafunded.com/en/articles/16822203-how-do-daily-payouts-work-on-1-step-daily
  28. https://help.monetafunded.com/en/articles/14060017-sprint-challenge-rules
  29. https://help.monetafunded.com/en/articles/17017469-instant-funding-account
  30. https://help.monetafunded.com/en/articles/13269403-what-can-i-trade-on-moneta-funded-list-of-allowed-instruments-symbols-assets
  31. https://help.monetafunded.com/en/articles/12532973-leverage-and-commission-structure-across-all-trading-programs
  32. https://help.monetafunded.com/en/articles/13803356-payout-methods-and-how-to-request-payouts-at-moneta-funded
  33. https://help.monetafunded.com/en/articles/12146808-which-trading-methods-aren-t-allowed
  34. https://help.monetafunded.com/en/articles/13232644-what-is-copy-trading-is-it-allowed

Data notes. Prices are list prices from the site's WooCommerce product feed (admin-ajax get_all_challenge_products) captured from the homepage Challenge Builder on 2026-11-04; MT5 and MatchTrader prices identical except Instant Funding $100K 15%/88% (MT5 $665, MatchTrader $655). Homepage banner: 'Get 40% Off with discount code SPECIAL11' (limited time; verified $454 -> $272); not valid on Sprint. fee_from $30 = Sprint $10K 1-hour; cheapest evaluation is 2-Step 4%/8% $5K at $33. Sprint fees rise with timeframe (1h/2h/4h/8h: $10K $30/40/50/60 ... $100K $300/400/500/600); Sprint target/max loss vary by multiplier (2x/5x) and timeframe so left null. Headline rules = 2-Step standard. 1-Step revised: no min days in challenge, 3 profitable days (>=0.5%) at funded stage; 1% floating-loss breach limit. Floating loss per symbol caps (2%/3%) trigger a 1.5% risk-per-trade limit. Fee refunded after 4th payout (1-Step/2-Step). Broker-backed by Moneta Markets; Moneta Funded Ltd, St Lucia Reg. No. 2025-00532. Founded year not published (registration number suggests 2025, not stated). MT5 unavailable to US/Canada clients. Main site is Cloudflare-protected; help centre (help.monetafunded.com) used for rules.