How Profirms CFD accounts work

This page is the whole deal. Every number on a CFD pricing card, in our chat assistant and in section 15 of our Terms comes from the same rulebook, so there is nothing hidden in a PDF somewhere else. If a rule is not written here, it is not a rule.

1. The three programs at a glance

Same philosophy as our futures accounts: your maximum-loss floor is set once a day from your closing equity and never trails your open profit. No consistency rule. No minimum trading days. No time limit. No activation fee. 90% of every payout is yours. The one thing CFDs add is a live daily loss limit — because leverage can move an account a long way in an hour, and a floor that only checks at the close would not protect you or us.

2. How to play, step by step

1. Pick a program and a size. 2-Step is the cheapest route to funding and gives you two phases to prove it. 1-Step is one target and done. Instant skips evaluation entirely — you are funded from the first trade, at a higher price. Want three at once? Set the quantity to 3 on a 2-Step card and the bundle price applies automatically.
2. Check out once. One payment, no monthly fee, no activation fee at any stage. FOUNDER25 takes 25% off. Everything is refundable until your login is delivered.
3. Get your login by email. CFD accounts run on MetaTrader 5 or cTrader through our platform partner. Your order is fully refundable until your login is delivered.
4. Trade the evaluation. Reach the phase target without touching the daily loss limit or the max-loss floor. There is no clock and no minimum number of days — pass in an afternoon or take three months.
5. Phase 2 (2-Step only). A second, smaller target under the same rules. Your floor and daily limit reset to fresh values for the new phase.
6. Funded. Your account is re-issued as a funded account at the same size, same rules. We run a one-time identity and residency check before your first payout.
7. Get paid. Request a payout 5 days after your first funded trade and every 5 days after that. Minimum $100, 90% yours, sent within 3 business days of approval.

3. The max-loss floor

Every CFD account has a maximum-loss floor. It is the single most important number on the account, so here is exactly how it behaves.

• It is set once a day, at 5:00 PM ET. At rollover we take your closing equity — balance plus open profit or loss — and place the floor at closing equity minus the program's max-loss percentage of your initial balance.
• It only ever moves up, and only at rollover. Green day? The floor steps up with you. Red day? The floor stays where it was. It never moves against you during the session.
• It locks at your starting balance. Once your closing equity is high enough that the floor would sit above your initial balance, the floor stops at the initial balance and stays there. From then on you cannot fail the max-loss rule while your account is in profit.
• It is not checked intraday. Between rollovers, the max-loss floor is not enforced. The daily loss limit is what protects the account during the session (next section).

4. The daily loss limit

This is the one rule that is checked in real time, and the reason is leverage. At 1:100 a two-lot EURUSD position moves $20 per pip; a floor that only looks at the close would let a bad hour take the whole account.

• Measured from start-of-day equity. At each 5:00 PM ET rollover we record your equity. The daily loss limit is that number minus the program's daily percentage of your initial balance.
• Checked live, on equity. If your equity — including open positions — touches the daily limit at any moment, open positions are closed and the account is breached.
• It resets every day. A rough day that stays inside the limit is forgotten at the next rollover.

5. Targets and phases

Targets are a percentage of your initial balance, measured on closed balance — open profit does not count until it is realised. You pass the moment your closed balance is at or above the target with no open positions, and you can pass on any day including day one.

• 2-Step: Phase 1 target 8%, then Phase 2 target 5% on a fresh account at the same size.
• 1-Step: one target of 10%.
• Instant: no target. You are funded from the start; your first payout unlocks at 5% closed profit.

6. Every number, every size

CFD 2-Step — Two phases, the lowest price per dollar of buying power, and every rule settles once a day.

CFD 1-Step — One target, one phase. Pass it and you are funded.

CFD Instant — No evaluation. You are trading a funded account from the first click, with the same once-a-day floor.

Per-payout caps apply on funded accounts only. Profit above a cap is not lost — it rolls into your next payout.

7. Leverage and lot limits

Maximum open exposure is capped in standard-lot equivalents per account size (see the tables above). Orders that would exceed the cap are rejected, not partially filled. Margin is calculated by the platform in the usual way; a margin call inside the daily limit is treated as a daily-limit breach.

8. What you can trade

Crypto CFDs trade seven days a week. Everything else follows its underlying market hours. You can practise on any of these today in our free terminal — the CFD symbols are in the symbol list under CFDs.

9. Trading style: what is allowed

• News trading: allowed, no blackout windows.
• Holding overnight and over weekends: allowed. Swap is charged at the platform's published rate.
• Expert advisors and automation: allowed, with the exceptions in section 10.
• Hedging within your own account: allowed.
• Scalping: allowed. There is no minimum hold time.
• Trading several Profirms accounts you own: allowed, including running the same strategy on each.

10. What ends an account

We keep this list short and specific on purpose. These are the only ways to lose a CFD account other than the two loss rules above.

• Breaching the daily loss limit or the max-loss floor. The account closes. A reset is available (section 12).
• Exploiting a price feed error, latency, or a platform malfunction — including tick scalping, latency arbitrage and high-frequency strategies designed to profit from feed lag rather than the market.
• Hedging between accounts belonging to different people, or coordinating opposite positions with another trader to guarantee one account passes.
• Account sharing or account management. The person who bought the account trades it. Copying signals into your own account is fine; someone else logging in is not.
• Misrepresenting your residency, including through a VPN, to get around section 15.2 of the Terms.
• Chargebacks on a valid charge. Talk to us first — almost everything is resolved within a day.

Breaches for conduct (not loss rules) are reviewed by a person before the account is closed, and you get the reason in writing.

11. Funded stage and payouts

• Same size, same rules. Your funded account carries the same daily limit and floor mechanics as the evaluation. Nothing tightens after you pass.
• Split: 90% of profit is yours from the first payout.
• Timing: first request 5 days after your first funded trade; then every 5 days. Instant accounts can request once 5% in profit.
• Minimum: $100 per request. Caps: per payout, by size (tables above); the excess rolls forward.
• Method: bank transfer or crypto, within 3 business days of approval.
• KYC: one-time identity and residency verification before the first payout, through a secure provider.
• Scaling: three consecutive payout cycles in profit raise your funded balance by 25%, up to $400K.

12. Resets and refunds

• Reset: after a loss-rule breach you can restart the same program and size at 30% off. A reset is a fresh account, not a top-up.
• Refund: full refund any time before your login is delivered, no questions asked. After delivery, the fee is non-refundable except for duplicate charges, billing errors or a verified technical failure on our side. The Refund Policy has the detail.

13. How this compares

14. Questions

Why is the daily limit live when the floor is not?

Because leverage. A once-a-day floor is generous and honest for futures where position size is capped in contracts. On a 1:100 CFD account the same design would let one bad session vaporise the account before the close, which helps nobody. The live daily limit is the guard rail; the floor still settles once a day and still never trails.

Does open profit move my floor?

No. Only your closing equity at rollover moves it, and only upward. A big open winner during the day does not raise your floor, and giving it back intraday does not lower it either.

Can I pass a phase in one day?

Yes. There is no minimum number of trading days on any Profirms account.

What happens to open positions at rollover?

Nothing special. They stay open, swap is charged, and their unrealised P&L is included in the equity we use to set the next day's floor and daily limit.

Can I trade a CFD account and a futures account at the same time?

Yes, if you are eligible for both. Futures and CFD accounts are open to everyone 18+.

Which platform?

MetaTrader 5 or cTrader, issued through our CFD platform partner once live. Until your login is delivered, your purchase is fully refundable.

See CFD pricingRead the TermsPractise on the free terminal