The Concept Trading vs Funding Traders: Elite Prop Firms Comparison
Published: · Last updated:
Introduction
The Concept Trading and Funding Traders stand out as two prominent prop trading firms offering traders pathways to access funded accounts. The Concept Trading is known for its innovative approach to trader development with comprehensive educational resources and flexible evaluation models, earning a strong 4.3/5 rating on Trustpilot. Meanwhile, Funding Traders has established itself with competitive pricing structures and streamlined evaluation processes, currently holding a 3.5/5 Trustpilot rating. Both firms offer opportunities for traders to access significant capital without risking their own funds, though they differ in their specific approach to trader evaluation and ongoing support.
Quick Facts
| Feature | The Concept Trading | Funding Traders |
|---|---|---|
| 
| |
| Founded | 2021 | 2019 |
| Profit Split | 50% all levels except top (90%) | 80-90% |
| Maximum Account Size | $5,000,000 | $1,000,000 |
| Evaluation Phases | — | 2 |
| Trustpilot Rating | 4.7 | — |
| Expert Grade | 9.1 | 8.5 |
Program Types
| Program | The Concept Trading | Funding Traders |
|---|---|---|
| Entry Level Program | AUD 65 | Yes |
| Advanced Program | AUD 19997 | Yes |
| Scaling Options | Yes | Yes |
| Demo Account | Yes | Yes |
Rules & Assessment
| Criteria | The Concept Trading | Funding Traders |
|---|---|---|
| Profit Target | 6-10% | 5-12% |
| Maximum Drawdown | 3-10% static | 8-10% |
| Minimum Trading Days | — | 10 |
| News Trading | Yes | Yes |
Fees & Pricing
| Option | The Concept Trading | Funding Traders |
|---|---|---|
| $5K Account | AUD 65 / Foundation / One-time | Not offered |
| $10K Account | AUD 110 / Foundation / One-time | USD 119 / Listed challenge / One-time |
| $25K Account | AUD 260 / Foundation / One-time | USD 229 / Listed challenge / One-time |
| $50K Account | Not offered | USD 339 / Listed challenge / One-time |
| $100K Account | Not offered | USD 599 / Listed challenge / One-time |
| $200K Account | Not offered | USD 999 / Listed challenge / One-time |
| Coupons / Discount | The Concept Trading discount | Funding Traders discount |
Platforms & Markets
| Feature | The Concept Trading | Funding Traders |
|---|---|---|
| Trading Platforms | MetaTrader 5, TradeLocker | DXTrade, TradeLocker, MetaTrader 5 |
| Forex | Yes | Yes |
| Stocks | — | No |
| Indices | — | Yes |
| Commodities | — | Yes |
| Cryptocurrencies | Yes | Yes |
| Bonds | — | — |
| EA/Algo Trading | Yes | No |
Payout
| Feature | The Concept Trading | Funding Traders |
|---|---|---|
| Payout Terms | Once per calendar month (Bank transfer, Crypto, Revolut, PayPal) | Bank Wire Transfer, PayPal, Skrill, Cryptocurrency, Wise |
| See all prop firm payouts → | ||
Verdict
| Key Element | The Concept Trading | Funding Traders |
|---|---|---|
| Strengths | Static drawdown, no daily drawdown, permissive rules, EAs/HFT allowed, low entry fees | reasonable challenge requirements, trader-friendly policies, transparent fee structure, multiple challenge options, scaling program |
| Weaknesses | Misleading 90% marketing, one payout/month only, 30-day invoice deadline, capped profits, new discretionary clause | excessive fees, strict trading rules, high profit targets, capital loss risk, slow withdrawals |
| Best For | Long-term scalers seeking trading freedom, not monthly income seekers | new and experienced traders |
Conclusion and Final Recommendation
Choose The Concept Trading if you want a larger funded ceiling at $5M and a cheaper entry, from AUD 65. Choose Funding Traders – Elite Firm Review if you are new and experienced traders. 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 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.
What should I know about Funding Traders’s programs?
FundingTraders has separate Pro and Instant programs. Its 2-Step Pro account has two evaluation phases and program-specific payout terms. Funding Traders official rules; Funding Traders official program information.
How do payouts differ between The Concept Trading and Funding Traders?
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.
The 2-Step Pro guide lists an 80% default share with optional 90% or 100% upgrades. The first payout is normally available 21 days after the first funded trade; the 14-day add-on changes that schedule. Funding Traders official rules; Funding Traders official program information.
Which account rules matter when comparing The Concept Trading and Funding Traders?
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.
For 2-Step Pro purchases on or after May 8, 2026, the evaluation-fee refund is tied to the second qualifying payout, rather than simply passing the evaluation. Risk-management violations can also affect rewards. Funding Traders official rules; Funding Traders official program information.
Is The Concept Trading or Funding Traders automatically the better choice?
No. Each firm wins on a different axis. The Concept Trading has the larger funded ceiling at $5M and the cheaper entry at AUD 65. Funding Traders – Elite Firm Review is built for new and experienced traders. Which of those matters more depends on how you actually trade, so compare how each firm measures drawdown, the total fee once add-ons and resets are included and platform availability, 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 The Concept Trading and Funding Traders
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
View More Elite Prop Firms Compared: The5ers vs The Trade Pool
