Funding Rock vs The Concept Trading: Comprehensive Comparison
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Introduction
Funding rock and The Concept Trading are both proprietary trading firms that offer funded trading accounts to aspiring traders. Funding rock, a relatively newer entrant in the prop trading space, focuses on providing flexible evaluation programs with competitive profit splits and scalable account sizes. The Concept Trading distinguishes itself through its educational approach, combining trading challenges with comprehensive training resources. While Funding rock emphasizes trader-friendly rules and fast payouts, The Concept Trading positions itself as a mentorship-driven platform. Both firms operate in the increasingly competitive proprietary trading industry, where traders can access significant capital without risking their own funds. Based on available online information, Funding rock has a Trustpilot rating of approximately 4.2/5, while The Concept Trading’s reputation is primarily built through community feedback and trading forums, though specific Trustpilot ratings are limited.
Quick Facts
| Feature | Funding Rock | The Concept Trading |
|---|---|---|
| 
| |
| Founded | 2025 | 2021 |
| Profit Split | 80-90% | 50% all levels except top (90%) |
| Maximum Account Size | $1,000,000 | $5,000,000 |
| Evaluation Phases | 2 | — |
| Trustpilot Rating | — | 4.7 |
| Expert Grade | 7.9 | 9.1 |
Program Types
| Program | Funding Rock | The Concept Trading |
|---|---|---|
| Entry Level Program | Yes | AUD 65 |
| Advanced Program | Yes | AUD 19997 |
| Scaling Options | Yes | Yes |
| Demo Account | Yes | Yes |
Rules & Assessment
| Criteria | Funding Rock | The Concept Trading |
|---|---|---|
| Profit Target | — | 6-10% |
| Maximum Drawdown | — | 3-10% static |
| Minimum Trading Days | — | — |
| News Trading | Yes | Yes |
Fees & Pricing
| Option | Funding Rock | The Concept Trading |
|---|---|---|
| $5K Account | USD 110 / Instant Funding / One-time | AUD 65 / Foundation / One-time |
| $10K Account | USD 180 / Instant Funding / One-time | AUD 110 / Foundation / One-time |
| $25K Account | USD 370 / Instant Funding / One-time | AUD 260 / Foundation / One-time |
| $50K Account | USD 640 / Instant Funding / One-time | Not offered |
| $100K Account | USD 1000 / Instant Funding / One-time | Not offered |
| Coupons / Discount | Funding Rock discount | The Concept Trading discount |
Platforms & Markets
| Feature | Funding Rock | The Concept Trading |
|---|---|---|
| Trading Platforms | cTrader, TradeLocker | MetaTrader 5, TradeLocker |
| Forex | Yes | Yes |
| Stocks | No | — |
| Indices | Yes | — |
| Commodities | Yes | — |
| Cryptocurrencies | Yes | Yes |
| Bonds | No | — |
| EA/Algo Trading | Yes | Yes |
Payout
| Feature | Funding Rock | The Concept Trading |
|---|---|---|
| Payout Terms | First after 14 days; bi-weekly thereafter; via Wise (1-3 business days) | Once per calendar month (Bank transfer, Crypto, Revolut, PayPal) |
| See all prop firm payouts → | ||
Verdict
| Key Element | Funding Rock | The Concept Trading |
|---|---|---|
| Strengths | Generous profit splits, quick evaluation, flexible rules, scaling opportunities, transparent terms | Static drawdown, no daily drawdown, permissive rules, EAs/HFT allowed, low entry fees |
| Weaknesses | Express payouts require add-on, newer firm with limited track record, limited rule detail | Misleading 90% marketing, one payout/month only, 30-day invoice deadline, capped profits, new discretionary clause |
| Best For | Both new and experienced traders seeking professional funding | Long-term scalers seeking trading freedom, not monthly income seekers |
Conclusion and Final Recommendation
Choose Funding Rock if you are both new and experienced traders seeking professional funding. Choose The Concept Trading if a larger funded ceiling at $5M and a cheaper entry, from AUD 65 matter more to you. Neither firm is better in the abstract. The right choice depends on your strategy, your budget and the instruments you trade, so read both full reviews before you commit. Verify current rules and pricing on each firm’s own site before purchasing.
Frequently asked questions
What should I know about Funding Rock’s programs?
FundingRock lists Instant, Pay Later and evaluation options. Program rules and optional add-ons change both the risk limits and reward eligibility. Funding Rock official rules.
What should I know about The Concept Trading’s programs?
The Concept Trading offers a level-based prop program. Its 90% Lock option fixes an eligible account at a chosen level instead of continuing to scale. The Concept Trading official rules; The Concept Trading official program information.
How do payouts differ between Funding Rock and The Concept Trading?
The displayed programs list an 80% share, with a 95% add-on. The one-step and two-step evaluation-funded arrangements list 14-day reward eligibility; the displayed Instant arrangement has separate instant-withdrawal conditions. Funding Rock official rules.
Its FAQ describes a 50% standard share and 90% at the top level or through the Lock option. The dedicated Lock rules specify weekly payment at 90% after the activation conditions are satisfied. The Concept Trading official rules; The Concept Trading official program information.
Which account rules matter when comparing Funding Rock and The Concept Trading?
For the displayed one-step option, maximum loss is 6% trailing-lock; the two-step option uses 6% static maximum loss. The funded consistency limits differ from the Instant option. Funding Rock official rules.
The Lock option is unavailable for Foundation and Intern levels. Once selected, the account cannot scale higher. The site’s general payout and inactivity descriptions differ between pages, so those details require confirmation for the selected model. The Concept Trading official rules; The Concept Trading official program information.
Is Funding Rock or The Concept Trading automatically the better choice?
No, neither is the default pick. Funding Rock is built for both new and experienced traders seeking professional funding, and The Concept Trading has the larger funded ceiling at $5M and the cheaper entry at AUD 65. Which of those matters more depends on how you actually trade, so compare the total fee once add-ons and resets are included, platform availability and country eligibility, rather than the headline numbers. If you fail an evaluation, do not assume either firm offers a fixed reset discount: check the reset terms for the specific account you bought.
How We Compared Funding rock and The Concept Trading
Both firms on this page carry a JoinProp Rating out of 10. We produce that rating with the same 9-factor methodology we apply to every firm we review: payout reliability (20%), fee structure (15%), drawdown rules (15%), profit split (15%), evaluation terms (10%), trading rules (10%), support access and responsiveness (5%), scaling plan (5%), and track record and transparency (5%).
The inputs come from our firm reviews, not from this page. For each firm we work from the current terms and conditions rather than marketing pages, track rule and pricing changes over time, and read payout and support reports across Trustpilot, Reddit and Discord, looking for recurring patterns rather than isolated complaints. Every firm is re-checked at least every 90 days, or sooner after a material change. Affiliate relationships have no effect on any rating, and ratings are never sold.
The tables above show the evidence behind those factors. A few rows, including trading platforms, available instruments, maximum account size and demo availability, are there to help you judge fit and do not affect either rating.
Read our full ranking methodology
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