The5ers Review 2026: Rules, Payouts and Trustpilot, Checked

Factual information, not advice. Every company is measured the same way, against published criteria. Nothing here recommends a firm, plan or trade, or knows your circumstances.

The5ers at a glance

Rules6.4/10how much room the rules give

Reputation7.7/10what's on record about it

Getting paid5.3/10split, speed, fees, conditions

Cheapest challenge$22regular price, one-off

Profit split80% to 100%base, then with scaling

Trustpilot4.7 / 538,749 reviews

Who is behind The5ers

This is where The5ers stands out. You contract with FIVE PERCENT ONLINE LTD, registered in United Kingdom under number 12553363, at a London address. That's one company, in a country with a public register, that you can check yourself. Most firms on this site sign you up with an offshore company, or name several companies without saying which one owes you the money.

The5ers says it started in 2016. That makes it one of the oldest firms we track, and it scores full marks for years in business. Like every prop firm, the funded account is simulated. Its terms say so in unusually blunt words:

• !Asks for its own reviews through a paid subscription
• ·Says in its own words that the trading is simulated
• ✓One company, registered in United Kingdom, with a number you can look up
• ✓4.7 on Trustpilot from 38,077 reviews

Programs and prices

We track two of its programs: High Stakes, a two-step challenge, and Pro Growth, a one-step. Both are one-off fees. These are the regular prices on its own pages, before any code or sale.

• High Stakes comes in two versions. The table shows “Classic”, whose rules match what we record. The newer default version is a little cheaper ($405 at $100K instead of $455) with a higher step-one target.
• Watch the sales. On the day we checked, a site-wide banner advertised a $100K account for $149, which matches neither High Stakes price. Several recent reviews mention a “summer plan”. Promotions change; always check the rules of the plan you actually buy.
• Part of the fee comes back on High Stakes: its payout policy says 70% of the fee is added to your funded account and can be withdrawn with the first payout. Pro Growth has no refund.

Cheapest entry: $22. For value next to other firms, see Best plans.

The trading rules

• A fixed maximum loss. Both programs use a static limit, so a good run gives you more room, not less. On High Stakes it's 8% at $50K and $100K, and 10% on smaller accounts. The daily limit is 4% at those sizes and 5% below.
• Weekend holds are allowed on both programs, once funded too.
• The news rule is mild. On High Stakes you can't open or close trades within 2 minutes either side of high-impact news. Profit from that window is removed; losses stay; the account stays open. Holding through the news is fine. Pro Growth has no news window at all.
• The daily limit counts open trades. It's measured from the higher of the day's starting balance or equity, at midnight server time.

Getting paid

• Split: 80% on High Stakes, advertised as scaling to 100%. Pro Growth's sister program Hyper Growth pays 50% in the evaluation and 75% once funded.
• Each withdrawal is capped: $3,000 on a $50K High Stakes account and $4,000 on $100K. Profit above that stays in the account for the next cycle. Crypto withdrawals are capped at $1,500 each.
• There's a minimum: $150 in general, but $300 on $50K and $500 on $100K High Stakes.
• The drawdown resets after each payout to 4% below your balance after the withdrawal. Take money out and your cushion shrinks. It's the rule we'd most want a new The5ers trader to know.
• Payout methods: Rise, crypto (USDT, USDC, ETH, LTC), bank transfer, or Hub Credits, which have no fee but can't be withdrawn.

Every payout condition, in one list

We count 14 published rules that can delay, reduce or cancel a The5ers payout. The consistency rule is the one to read twice: the share it allows “varies by account type and region”, so check your own account's figure before your first payout.

1. 1Consistency rule (best trading day vs total profit)The allowed percentage varies by account type and region (30%, 40%, 50% or another figure). Exceeding it does not fail the account but blocks both payout and scale-up until total profit grows. Calculated on accumulated profitable trades only, so losing trades are not deducted and the consistency P&L can read higher than actual net profit.
2. 2Consistency breach blocks payout without failing the accountExplicitly stated that the account is not failed; the trader is simply ineligible until total profits rise.
3. 3Payout caps per withdrawalCaps the amount withdrawable in a single request, so profit above the cap stays in the account. $50K High Stakes capped at $3,000, $100K High Stakes at $4,000. A separate FAQ gives $1,250 for a 25K account and 3% of initial balance for $50K-$150K accounts.
4. 4Minimum P&L for payout$300 on a $50K High Stakes account and $500 on a $100K High Stakes account, against a general $150 minimum published elsewhere.
5. 5No payouts during evaluationPayout requests cannot be fulfilled during the two evaluation phases; only fully funded accounts can be paid.
6. 6Payout cycle resets on every scale-upScaling the account restarts the 14-day timer, delaying the next payout.
7. 7All open trades must be closedRequired before submitting a payout request; payouts also cannot be split across two methods.
8. 8Crypto withdrawal limitCrypto is capped at $1,500 per withdrawal regardless of profit.
9. 9Risk Team reviewA payout marked Pending Approval is held for a Risk Team review before processing.
10. 10News execution windowExecuting orders from 2 minutes before to 2 minutes after high-impact news is prohibited; profits from that window are removed while losses are kept by the trader.
11. 11Prohibited trading practicesArbitrage, HFT, bulk trading, news bracketing, exploiting system errors, trade coordination/copy trading, one-sided bets, rollover-night scalping EAs, third-party EAs without source code, tick scalping, hedge and reverse arbitrage, account sharing or reselling, challenge-passing services, cross-operator coordinated trading, artificially manufacturing profitable days, server-overloading EAs, position-size anomalies, overleveraging and gambling-style speculation. Breach voids refunds and profits entirely and triggers a permanent ban.
12. 12Artificially manufacturing profitable daysHedging or splitting one trade idea across days to inflate the count of profitable days is explicitly prohibited, which matters because a profitable day requires at least 0.5% of initial balance.
13. 13Inactivity expiry30 consecutive days for evaluation accounts and 60 consecutive days for funded accounts on High Stakes; 30 days on Hyper Growth and Bootcamp.
14. 14Drawdown resets after each withdrawalNot a blocker as such, but each payout resets the drawdown limit to 4% below the post-withdrawal balance, tightening the buffer on the remaining balance.

The5ers on Trustpilot, read closely

On 30 Sep 2026 The5ers had a TrustScore of 4.7 from 38,749 reviews, and 21,225 of them (55%) were posted in the last twelve months. We looked at how those reviews arrive and what they actually say.

1. How the stars split

93% of all reviews are either five stars or one star, and only 7% land in between. That's an unusually lopsided profile. Only 3% of reviews are one star, far fewer than FundingPips or FundedNext.

2. Who asked for the review

The5ers's profile carries the labels “Paid Trustpilot subscription” and “Asks customers to review”. That's allowed. But a firm chooses when to send the invitation, so we read the 160 newest English reviews (27 Sep 2026 to 30 Sep 2026) and split them by how they arrived, using the data Trustpilot publishes with each review:

Almost every recent review came through an invitation: 146 of 160. Those averaged 4.9 stars. The 14 reviews written without one averaged 1.6, and 12 of them were one star. So the headline score mostly reflects the traders The5ers asked, which is usually right after a payout. The unhappy ones are there, but they have to come to Trustpilot on their own, and there are far fewer of them.

3. What the happy reviews say

The specific praise is mostly about payouts arriving, often fast, and rules people find simple. One recurring line is worth a second look: several five-star reviews praise The5ers for having no consistency rule. Its own payout rules say it has one, with a share that varies by account type and region.

4. What the one-star reviews say

37 one-star reviews, counted across both samples (the recent reviews and the one- and two-star filter). Topics are our own reading, one per review.

The biggest group is disputed account closures, mostly for “similar trading patterns” or copy trading between accounts, and daily-loss calculations traders disagree with. Next come price feed complaints: charts that don't match TradingView, and one reviewer who says The5ers confirmed a market data problem in writing. We can't check any single claim. One reviewer also objects to a “newly introduced” consistency rule, which lines up with the five-star confusion above.

5. How The5ers answers them

The5ers answers almost all of its negative reviews, though more slowly than FundingPips: about 5.75 days on average. In our sample the newest one-star reviews mostly had no reply yet, because they were under three days old. Trustpilot notes it “May use AI-assist with replies”.

Trustpilot files The5ers under “Fund Management Company”. The star split, review counts and reply record are Trustpilot's; where a figure comes from the data Trustpilot publishes with the page rather than its visible text, that is how we read it.

How The5ers scores here

Our reputation score takes points off for paid review invitations and for a profile where most reviews are recent. Even so, The5ers is level with FTMO at the top. Here's the breakdown:

Scores use the Trustpilot reading taken for every firm on the same day, so firms are compared like for like; the invitation label comes from our 30 Sep 2026 read. How we score.

Pros, cons and who it suits

It suits swing traders and anyone who values a firm they can check: holds over the weekend are fine, the loss limit is fixed, and the company is real and registered. Think twice if you want to withdraw big months in one go, or if your results come from one or two huge days a month.

Alternatives worth comparing

• FTMO7.5/10 overall · weekend allowed
• FundedNext6.6/10 overall · weekend allowed
• FXIFY5.9/10 overall · weekend allowed

See how it compares in the best CFD prop firms for 2026, and read our FundedNext and FundingPips reviews.

Questions traders ask

Rules, prices and payout terms come from The5ers' own pages, last checked 18 Sep 2026, each quoted with its source on the firm page. Trustpilot figures were read from its public profile on 30 Sep 2026; sample topics are our own reading. Reviewer names are left out on purpose. Not financial advice.