OFP Funding Adds $400K and $500K Instant Accounts, and a 500K Lite Lists at $980 on an 80% Split or $1,176 on 100%
OFP Funding has added $400K and $500K account sizes to all three of its Instant models, Lite, Classic and Plus, and it launched the new sizes alongside a 45% discount that runs until 8 November 2026. The firm calls them the two largest accounts it has ever offered. The details that decide whether the new sizes are worth buying are in the pricing, the drawdown settings and the free second account OFP attached to the offer, so this report separates what OFP’s own website confirms from what only appears in its marketing email.
What OFP Funding Changed
OFP emailed its list on 2 November 2026 to say that 400K and 500K are now available on Instant Lite, Instant Classic and Instant Plus, effective from that day. The firm’s public pricing page backs up the headline fact: the account size selector now runs from $10,000 up to $500,000, with $200,000, $300,000, $400,000 and $500,000 listed at the top end. OFP describes its Instant accounts as simulated funding that traders can use from day one without a challenge, and its own disclaimers state that all accounts are simulated, so the $500K figure is demo capital rather than money held at a broker.
The sizes alone are a modest change. What makes the announcement more than a catalogue update is the way the firm priced and packaged it. OFP says every order above $250 after the discount also receives a second account of the same size and the same conditions. On a 500K purchase, that means a single order opens two 500K accounts, which OFP frames as one million in trading capital from one purchase. The firm has not said whether the two accounts are linked in any way, whether payouts are pooled, or whether a breach on one account affects the other, and those are the first questions a trader should put to OFP support before paying.
Verified Prices for the New Lite Sizes
The firm’s own pricing selector lets a visitor configure a Lite account and read the list price before any discount. For Instant Lite at $500,000, the page shows $980 with the 80% profit split selected and $1,176 with the 100% split selected. For Instant Lite at $400,000 it shows $790 at the 80% split and $948 at the 100% split. The two 100% split figures match the list prices quoted in OFP’s email, which gives the email’s discounted prices a clean base to be checked against.
With code 45OFF applied, OFP’s email shows the Lite 500K at the 100% split falling from $1,176 to $646.80, and the Lite 400K at the 100% split falling from $948 to $521.40. Both numbers equal the list price multiplied by 0.55, so the arithmetic holds. The same maths puts the 80% split versions at about $539 for the 500K and about $434.50 for the 400K, though OFP did not print those two figures, so they are JoinProp’s own calculation and not a quoted price. The difference between the two splits is exactly 20% of the list price, which means a trader pays roughly a fifth more for the extra twenty points of profit share.
JoinProp could not confirm prices for the Classic and Plus versions of the new sizes. The configurator on the public page kept showing Lite pricing when the Classic and Plus tabs were selected, and OFP’s email only quotes Lite prices for the two new sizes. Traders who want Classic or Plus at 400K or 500K should read the checkout price directly rather than assume it scales from Lite.
The Lite Rules That Come With the Bigger Accounts
The configurator also displays the rules attached to a Lite account of any size. It lists a 5% overall drawdown, a choice of 3% or 5% maximum daily drawdown, and no consistency requirement. These are the settings shown for the $400,000 and $500,000 Lite accounts, and they are the same ones shown for the smaller sizes, so OFP does not appear to have tightened its risk parameters to make room for the larger capital.
That detail matters more than it first seems. A 5% overall drawdown on a $500,000 account is a $25,000 buffer, and a 3% daily limit is $15,000. Those are large absolute numbers, but they are the same proportional limits a trader already faces on a $10,000 account. Traders who size positions as a percentage of balance will see no change in how the rules bite, while traders who trade fixed lot sizes will find that a 500K account gives them far more room before a drawdown limit is touched. The conditions table on OFP’s pricing page also lists a soft 1% rule and a minimum trading days setting, and both should be read alongside the offer, because the discount does nothing to change those conditions.
The Free Second Account and Its Small Print
The free second account is the most distinctive part of the promotion, and the conditions printed at the bottom of OFP’s email are specific. The code and the second account both expire at 23:59 CET on 8 November 2026. The $250 threshold is measured after the discount, so a trader buying a cheap account must spend more than $250 once 45% has come off before the second account triggers. On the Lite 500K at the 100% split, the discounted $646.80 clears the threshold easily. On smaller sizes the discounted price may fall below it, and the second account would not apply.
OFP also says the code 45OFF applies to every account in every model, and that the code is already embedded in the links in its email, so a trader using those links does not need to enter it. A trader who goes directly to the site should enter it at checkout and confirm that the total reflects the 45% reduction before paying. None of the promotional terms, including the free second account, appear on the public pricing page that JoinProp checked, which means they rest entirely on OFP’s email. Where the checkout and the email disagree, the checkout is what binds the firm.
Anyone comparing this against other instant products should also read the broader guidance in JoinProp’s Academy guide on whether instant funding prop firms are worth it, because the lack of an evaluation changes where the risk sits.
What This Means for the Broader Prop Industry
Account size has become one of the quieter competitive levers in prop trading. Firms compete on split, payout speed and price, and a firm moving its instant ceiling to half a million and bundling a second account effectively doubles the headline capital figure without changing the rules underneath, which is a marketing choice as much as a product one. Traders should judge it on the cost per unit of drawdown buffer, not on the size printed on the box.
There are two practical ways to compare. The first is price against drawdown: a Lite 500K at the 80% split costs $980 for a $25,000 overall buffer, or about 3.9 cents per dollar of buffer, while the 100% split costs $1,176 for the same buffer. The second is the effect of the profit split on expected earnings, which the guide to how profit splits work in prop trading covers in more detail. A trader who expects to take only small profits may be better off with the cheaper 80% option, while a trader who expects regular payouts will recover the extra $196 on the 500K quickly.
It is also worth reading how daily and total drawdown rules differ, since OFP lets traders choose between 3% and 5% daily limits. The firm’s own review is on JoinProp at the OFP Funding review page, and the lessons here apply to the wider market: when a firm leads with size and a time limited code, the rules and the conditions attached to the extra account are where the real value is decided.
Frequently Asked Questions About This Story
Enjoyed this article? Add JoinProp as a preferred source on Google.
