summary
Instant Funding is one of the companies I have used the longest, since December 10, 2024. As of March 2026, my total payouts amount to approximately 51,000 USD — the second highest after Funded Next.
In August 2025, a payout was denied on the grounds of IP address sharing. This was not true, and I could not accept it, but the outcome was that the profit for that cycle was removed. (Details below.)
I did lose a significant amount of trust over this incident. However, I received about 20,000 USD in payouts before the issue and about 30,000 USD after — all without problems. I believe the incident was caused by a system error or a misunderstanding. If the company had acted in bad faith, I cannot imagine they would have continued to pay out 30,000 USD after the incident.
Support generally replies within an hour or a few hours, though during large‑scale promotions response times can stretch to 1–2 days. For individual issues like the IP address matter, resolution took even longer.
Timeline
December 10, 2024
I registered and purchased my first account on this day.
February 14, 2025 — Lot size violation
I received an email about a lot size rule violation. The rules had been updated after I purchased my challenge, and I assumed the changes would not apply to existing accounts. In reality, users were given the option to choose between the old and new rules, and if no selection was made, the new rules were applied automatically. Because of this misunderstanding, I ended up in violation. My profit was removed, but my account was allowed to continue.
March 12, 2025 — Request for Travel Documentation
I received an email stating there was a discrepancy in the IP address used for trading. However, I only ever trade from my home PC. This turned out to be a misunderstanding.
May 15, 2025 — Second lot violation
I received a second lot violation email. I was using MT5’s one‑click trading feature and accidentally placed a 2‑lot trade on Gold. I noticed immediately and closed it within 3 seconds. Unlike the first time, this was a genuine mistake rather than a misunderstanding of the rules — but it was still my second violation. They did not close my account and only removed the profit.
June 10, 2025 — Risk parameter adjustment
I received an email titled “Adjustment to Risk Parameters on Funded Accounts.” Because my trading behavior was deemed high‑risk, a restriction was placed on my funded accounts limiting risk to 1% per trade. At the time, I was trading with 1–2% risk per trade, once or twice a day. Since Instant Funding’s Step 1 type has a 3% daily loss limit, I could understand how 2% risk might be considered excessive. No other penalties — such as a reduction in profit split — were applied.
August 18, 2025 — IP address review and payout denial
I received a review titled “Important Notice: Account Activity Review,” stating that my account had been accessed from a different IP address multiple times and that payouts could not be processed. I disputed this, but the result was that the payout was denied while my funded accounts remained active.
I was very unhappy with this decision. When I looked into the IP address in question, it traced back to Pakistan. I had also received a similar email back in March about access from Pakistan, though nothing came of it at the time. So rather than Instant Funding deliberately denying my payout, could it be that someone in Pakistan gained unauthorized access to Instant Funding’s systems or my MT5 account credentials? I honestly do not have the technical knowledge to say for sure.
My conclusion
In any case, if Instant Funding’s intention were to unfairly deny profitable traders, they could have gotten rid of me long ago. I had two lot violations — they could have shut everything down at that point. Instead, both times they allowed my funded accounts to remain active.
I will continue using Instant Funding.