Brightfunded Challenge Fee 2026: Complete Pricing for All Account Sizes

Brightfunded prices six evaluation accounts named after planets: Pluto, Mars, Venus, Neptune, Saturn, and Jupiter. The pricing is in EUR exclusively. There is no USD option at checkout regardless of the trader's location. Fees range from EUR 55 for the smallest 5K Pluto account to EUR 975 for the 200K Jupiter at the top of the catalog, with the most popular Saturn 100K at EUR 495 sitting near the middle of the per-dollar-efficiency curve. The pricing structure follows the standard challenge-prop pattern where larger allocations achieve better per-dollar fee efficiency at the cost of higher absolute downside on the no-reset policy.

This breakdown maps every fee tier to its account size, the structural add-on options including the high-ROI fee refund and 90% split upgrades, the two public discount codes (NEW15 for first-time buyers at 15% off, BF10 for existing users at 10% off, non-stackable), the refund policy with its strict 30-day no-trade window, and how the fee economics compare to FTMO at the most popular 100K size where the head-to-head decision matters most.

The fee-as-percent-of-allocation metric is structurally useful for comparing pricing efficiency across account sizes. Smaller Brightfunded accounts carry a higher fee per dollar of simulated allocation at approximately 1.10% on Pluto 5K while larger accounts achieve better efficiency at approximately 0.49% on Jupiter 200K. This is the same pricing pattern used by most challenge-based props in the segment because operational costs scale less than linearly with allocation size.

Brightfunded fee schedule

The headline pricing table captures all six accounts side by side with absolute fee, allocation size, and the per-dollar efficiency metric.

EUR-only pricing and currency conversion

Brightfunded charges all challenge fees exclusively in EUR. There is no USD pricing option at checkout. Traders paying with non-EUR payment methods face bank or payment-processor currency conversion at the prevailing rate plus any foreign-transaction fee charged by the payment provider. The combined cost can add 1% to 3% above the EUR sticker price.

For US traders, the effective USD cost depends on the EUR-USD rate at the time of purchase. A Saturn 100K at EUR 495 lands roughly $525 to $545 depending on rate and foreign-transaction fees. Plan for the rate variance rather than assuming a fixed USD equivalent at purchase time. The structural takeaway for US-based traders is that the EUR-USD conversion plus foreign-transaction surcharge needs to be factored into total cost before comparing Brightfunded to USD-pricing alternatives like Topstep or Apex on absolute fee.

Discount codes: NEW15 and BF10

Brightfunded offers two public discount codes. NEW15 gives 15% off for first-time buyers; BF10 gives 10% off for existing users. The codes cannot be stacked. On a Saturn 100K account, NEW15 reduces the price from EUR 495 to EUR 420.75. On a Jupiter 200K, NEW15 reduces from EUR 975 to EUR 828.75.

First-time buyers should always apply NEW15 unless an active promotional campaign offers a deeper discount. Existing users limited to BF10 receive a smaller savings, which makes Brightfunded's repeat-purchase economics weaker than firms offering reset discounts at 30% to 50% off original price.

No reset path: structural cost of failure

Brightfunded does not offer any reset or retry option. If you fail a challenge, you must purchase a brand new challenge at the current listed price. This differs from competitors like Apex and TopOneFutures which offer discounted resets at $50 to $80, and from Bulenox which permits reset-on-the-same-payment for a fee. The no-reset structure inflates total-cost-to-pass meaningfully for traders prone to multiple attempts.

The structural implication is that Brightfunded suits traders with high first-attempt pass rates, where the no-reset penalty rarely applies. Traders with reset histories above 50% on comparable firms face structurally worse economics on Brightfunded because each failure requires a full new purchase rather than a discounted reset path.

Fee refund add-on mechanics

The Brightfunded fee refund add-on costs 10% extra on top of the base challenge fee. If you pass the evaluation and receive your first funded payout, Brightfunded returns 100% of the challenge fee as part of that payout. If you fail the challenge, the add-on cost is lost and so is the base fee.

The economics depend on pass probability. A trader with 80% pass probability on a single attempt at Saturn 100K pays EUR 495 plus EUR 49.50 add-on = EUR 544.50 with 80% chance of full EUR 495 refund. Expected cost is EUR 544.50 minus 0.8 times EUR 495 = EUR 148.50 effective. Without the add-on, expected cost is EUR 495 minus 0.8 times zero = EUR 495 effective. The add-on is structurally cheap insurance for high-pass-rate traders.

90% profit split add-on

The Brightfunded 90% profit split add-on costs 20% extra on the base fee (EUR 99 on a Saturn 100K). The add-on upgrades the starting split from 80/20 to 90/10. On a EUR 2,000 payout, that extra 10% earns the trader EUR 200, which means the add-on pays for itself on the first payout for any trader who actually reaches funded.

The add-on is structurally a no-brainer for traders confident in their pass rate. The break-even pass probability is roughly 50%: at lower pass rates, the add-on cost outweighs expected payout uplift; at higher pass rates, the add-on pays back many times over across multiple payouts.

Full add-on stack pricing

Brightfunded offers six paid add-ons stackable at checkout. A fully loaded Saturn 100K account costs approximately EUR 866 to EUR 891, depending on whether the trader chooses bi-weekly or weekly payouts. The base price is EUR 495 and stacking all add-ons adds roughly 75% to 95% to the total.

The add-on stack is structurally most valuable for traders with high pass rates and high projected funded yield. For traders unsure of pass probability, paying for the full stack increases the loss on a failed attempt without proportional benefit. Pick add-ons selectively based on the trader's specific projected use rather than buying the stack as a package.

Payment methods

Brightfunded accepts credit and debit cards, PayPal, Apple Pay, Google Pay, and eight different cryptocurrencies. All payments process in EUR. Crypto payments are useful if your bank blocks transactions to prop-firm payment processors, which is a recurring issue for traders in some jurisdictions.

For US traders, PayPal and credit card both work but incur foreign-transaction conversion fees from the issuing bank. Apple Pay and Google Pay route through the underlying card network so the same foreign-transaction logic applies. Crypto payments avoid the foreign-transaction fee but introduce price volatility between order placement and payment confirmation.

Refund policy and the 30-day no-trade window

Brightfunded offers refunds only if you have not placed any trades on the account and you request the refund within 30 days of purchase. Once you open even a single trade, the challenge fee becomes non-refundable. Refunds return to the original payment method, which means crypto refunds return in crypto at the prevailing exchange rate (not the purchase-time rate).

The 30-day no-trade window is unusually strict relative to most challenge-based props which void refunds at first login rather than first trade. For Brightfunded, the trader can log in, view the platform, and decide not to proceed without losing refund eligibility, as long as no trade is placed within the 30-day window.

Brightfunded vs FTMO at 100K

Brightfunded's Saturn 100K at EUR 495 sits below FTMO's 100K challenge at EUR 540 on absolute base price. The EUR 45 gap is meaningful but flips when add-ons are factored in. FTMO includes a fee refund in the base price and offers retry options, while Brightfunded charges 10% extra for the fee refund add-on and has no reset path at all.

The structural comparison favors FTMO for traders prone to resets; favors Brightfunded for high-pass-rate traders who never use the reset path. The fee-refund-included baseline at FTMO removes the trader's need to model whether to buy the add-on.

Common mistakes when buying a Brightfunded challenge

• Buying without applying NEW15 if it is the first purchase, leaving 15% on the table
• Skipping the fee refund add-on with confident pass rate, when the EUR 49.50 cost would be returned on first payout
• Buying the 90% split add-on without modeling whether projected funded yield justifies the EUR 99 upfront
• Placing a first test trade within the 30-day refund window, voiding refund eligibility for any reason later
• Assuming USD pricing applies, then being surprised by EUR conversion plus foreign-transaction fees
• Failing to plan for the no-reset penalty by sizing aggressively on a first attempt that needs to clear the target on a single cycle

Decision framework for Brightfunded sizing

Three filters narrow the right account size choice. First, do you need more than $100K simulated allocation? If yes, Jupiter 200K is the only option. Second, is your projected first-attempt pass rate above 70%? If yes, larger sizes pay back better. Third, can you absorb the no-reset penalty if the first attempt fails? If no, start with a smaller size to limit downside risk.

When Brightfunded structurally wins

Brightfunded's fee economics win structurally for three trader profiles. First, traders with documented first-attempt pass rates above 70% who never trigger the no-reset penalty. Second, EU-based traders for whom EUR pricing avoids foreign-transaction overhead entirely. Third, crypto-paying traders who want to avoid the bank-level prop-firm payment-processor blocks that affect some jurisdictions.

For these profiles, Brightfunded's combination of competitive base fee, NEW15 first-time discount, and selective add-on stacking produces total cost meaningfully below FTMO and below mid-tier challenge alternatives. The structural advantage compounds when the fee refund add-on triggers on the first payout, recovering 100% of the base fee.

When Brightfunded structurally loses

Brightfunded's no-reset policy structurally penalizes three trader profiles. First, traders with first-attempt pass rates below 50% who pay multiple full fees in succession. Second, traders without confidence in pass speed who would benefit from a reset-discount safety net. Third, traders comparing total cost across firms where competitors include the fee refund in the base price without an add-on charge.

For these profiles, the absolute base fee advantage Brightfunded offers disappears once average attempt count is included. A 50% pass-rate trader pays approximately EUR 990 on Saturn 100K (two full attempts on average) versus EUR 540 base plus a discounted reset on FTMO. The structural disadvantage of the no-reset policy is the dominant factor for low-pass-rate profiles.

Edge cases and account interactions

Several edge cases recur in Brightfunded purchase questions. The first is whether NEW15 and BF10 stack with active campaign promotions. They typically do not; only one discount applies per purchase. Verify the campaign terms at checkout because terms vary across promotional cycles.

The second is whether the refund policy applies if the trader was never able to log into the platform due to KYC delay or technical issue. The 30-day no-trade refund window typically still applies even if the trader could not access the platform; the trader must request the refund within 30 days of purchase regardless of access status. KYC-related access delays are not a recognized exception.

The third is whether multiple accounts can be purchased simultaneously under one identity. Yes, but the trader pays full price on each account because Brightfunded does not offer volume discounts on multi-account purchases. Each parallel account also requires full add-on configuration if the trader wants the add-on benefits to apply across accounts.

Effective cost with NEW15 applied

For first-time Brightfunded buyers, NEW15 is mandatory at checkout. The 15% discount applies to the base fee before any add-on configuration. The effective cost after NEW15 is the relevant comparison point against alternative firms because no rational first-time buyer skips the available discount.

The USD-equivalent range reflects typical EUR-USD rate variance plus a foreign-transaction surcharge of 1% to 3% applied by the issuing bank. Plan for the upper end of the range when budgeting because foreign-transaction fees are recurring overhead rather than negotiable.

Add-on stacking economics

The six paid add-ons stack independently. For traders confident in their pass rate, the structural decision is which add-ons pay back fastest in expected funded yield. The 90% split and fee refund are the two highest-ROI add-ons by a wide margin. The remaining four (weekly payouts, reduced min days, higher leverage, news trading) are situational and depend on specific strategy fit.

The full stack costs EUR 866 to EUR 891 on Saturn 100K, which represents roughly 75% to 95% above the base fee. For a trader projecting EUR 5,000 to EUR 10,000 in year-one funded yield, the full stack pays back several times over. For a trader projecting under EUR 2,000 in year-one funded yield, the full stack is structurally negative-EV and only the two highest-ROI add-ons should be purchased selectively.

Strategy fit by account size

Account size choice should reflect the trader's typical strategy variance and capital efficiency targets. Smaller accounts limit downside but cap upside; larger accounts unlock more dollar yield per setup but expose the trader to a bigger no-reset penalty on failure.

Pluto 5K and Mars 10K for platform testing

Pluto 5K at EUR 55 and Mars 10K at EUR 95 function as platform-test accounts rather than primary trading vehicles. The dollar yield on $5K to $10K allocation is too small to justify the time invested unless the trader is specifically validating Brightfunded's rule enforcement before committing to a larger Neptune or Saturn. With NEW15 applied, the effective cost on Pluto drops to EUR 46.75.

Saturn 100K as the catalog sweet spot

Saturn 100K at EUR 495 is the most popular account size and the structural sweet spot of the catalog. The fee-to-allocation ratio is competitive, the dollar yield on the funded account justifies the time invested, and the no-reset penalty is manageable for traders with reasonable first-attempt pass rates. Most Brightfunded purchase volume concentrates on Saturn 100K rather than the smaller or larger sizes.

Jupiter 200K for confident high-edge traders

Jupiter 200K at EUR 975 is the largest account in the catalog. The per-dollar efficiency is the best in the catalog at approximately 0.49% of capital. The no-reset penalty at full Jupiter fee is structurally the highest absolute downside in the catalog. Jupiter suits experienced traders with documented edge and high first-attempt pass rates; it is structurally inappropriate for traders testing strategies or unfamiliar with Brightfunded's rule envelope.

Total-cost-to-pass modeling

Total cost depends on first-attempt pass rate. Modeling realistic scenarios reveals the structural cost of the no-reset policy across different pass-rate profiles.

The third row demonstrates the structural penalty of the no-reset policy for traders prone to multiple attempts. A 30% first-attempt pass rate trader pays roughly three-plus full fees on Brightfunded versus one full fee plus discounted resets on competitors. The pricing efficiency of Brightfunded is real only for high-pass-rate traders; it inverts sharply for low-pass-rate profiles.

Peer comparison across challenge-based props

Brightfunded's positioning sits between FTMO at the premium tier and budget challenge firms at the entry tier. The base fee is competitive with mid-tier firms; the lack of fee refund and reset path inflates total cost above mid-tier alternatives that include those features by default.

Compared to firms running reset discounts at 30% to 50% off original price, Brightfunded's effective per-attempt cost is structurally higher across multi-attempt scenarios. Compared to firms running EUR pricing with included fee refund, Brightfunded undercuts on absolute base price but flips on total cost once the add-on is factored in.

Bottom line

Brightfunded prices six evaluation accounts in EUR from EUR 55 (Pluto 5K) to EUR 975 (Jupiter 200K), with two public discount codes (NEW15 for first-time buyers at 15% off, BF10 for existing users at 10% off, non-stackable), six paid add-ons stackable to roughly double the base fee, and a strict no-reset structure that requires fresh purchase at full price after any failure. The fee-refund add-on at 10% extra and the 90%-split add-on at 20% extra are the two highest-ROI add-ons; both pay back quickly for traders with high pass rates and are structurally cheaper than the alternatives for confident first-attempt buyers.

The structural comparison against FTMO favors FTMO for traders prone to resets (FTMO includes fee refund and offers reset path while Brightfunded charges 10% extra for fee refund and has no reset path) and favors Brightfunded for high-first-attempt-pass-rate traders who never use the reset path (Brightfunded's base fee is EUR 45 lower than FTMO's at Saturn 100K, and the absolute Saturn 100K cost with NEW15 drops further to EUR 420.75). Plan for the no-reset penalty when sizing the first attempt by picking a smaller account size if confidence is low, and apply NEW15 on the first purchase to capture the 15% discount before any add-on stacking decisions are made at checkout.

For US traders specifically, the EUR-only pricing plus foreign-transaction fees pushes effective USD cost above the EUR sticker price by 1% to 3% depending on payment method. PayPal, credit card, Apple Pay, and Google Pay all incur the conversion overhead; crypto payments avoid the foreign-transaction fee but introduce exchange-rate volatility between order placement and payment confirmation. Model the total USD cost including conversion overhead before comparing Brightfunded against USD-pricing alternatives.

Frequently Asked Questions

How much does a Brightfunded challenge cost?

Brightfunded challenge fees range from EUR 55 for the Pluto 5K account to EUR 975 for the Jupiter 200K account. All prices are in EUR only. The Saturn 100K account, which is the most popular, costs EUR 495 as a one-time payment. Fee scales smoothly across the six account sizes with better per-dollar efficiency at larger allocations.

Does Brightfunded charge in USD or EUR?

Brightfunded charges all challenge fees exclusively in EUR. There is no USD pricing option. If you pay with a non-EUR payment method, your bank or payment processor handles the currency conversion and may apply a foreign transaction fee of 1% to 3%. Plan for the conversion variance rather than assuming a fixed USD equivalent at purchase time.

What discount codes does Brightfunded offer?

Brightfunded offers two discount codes: NEW15 gives 15% off for first-time buyers, and BF10 gives 10% off for existing users. These codes cannot be stacked together. On a Saturn 100K account, NEW15 reduces the price from EUR 495 to EUR 420.75. First-time buyers should always apply NEW15 unless a deeper campaign discount is currently active at checkout.

Can you reset a failed Brightfunded challenge?

No. Brightfunded does not offer any reset or retry option. If you fail a challenge, you must purchase a brand new challenge at the current listed price. This differs from competitors like Apex and TopOneFutures, which offer discounted resets at $50 to $80. The no-reset structure inflates total-cost-to-pass for traders prone to multiple attempts on the same evaluation envelope.

How does the fee refund add-on work at Brightfunded?

The Brightfunded fee refund add-on costs 10% extra on top of your base challenge fee. If you pass the evaluation and receive your first funded payout, Brightfunded returns 100% of your challenge fee as part of that payout. If you fail the challenge, the add-on cost is lost along with the base fee. Structurally cheap insurance for high-pass-rate traders confident in their first-attempt outcome.

What payment methods does Brightfunded accept?

Brightfunded accepts credit and debit cards, PayPal, Apple Pay, Google Pay, and eight different cryptocurrencies. All payments are processed in EUR. Crypto payments are useful if your bank blocks transactions to prop firm payment processors. For US traders, PayPal and credit card both work but incur foreign-transaction conversion fees from the issuing bank.

Can you get a refund on a Brightfunded challenge?

Brightfunded offers refunds only if you have not placed any trades on the account and you request the refund within 30 days of purchase. Once you open even a single trade, the challenge fee becomes non-refundable. Refunds return to your original payment method. The first-trade trigger is unusually strict relative to other props which void refunds at first login rather than first trade.

Is the 90% profit split add-on worth it at Brightfunded?

The Brightfunded 90% profit split add-on costs 20% extra on the base fee (EUR 99 on a Saturn 100K). The add-on upgrades your starting split from 80/20 to 90/10. On a EUR 2,000 payout, that extra 10% earns you EUR 200, meaning the add-on pays for itself on the first payout. Break-even pass probability is roughly 50% for the add-on to be net positive.

How much does a fully loaded Brightfunded Saturn account cost?

A Brightfunded Saturn 100K account with all six add-ons costs approximately EUR 866 to EUR 891, depending on whether you choose bi-weekly or weekly payouts. The base price is EUR 495 and stacking all add-ons adds roughly 75% to 95% to the total. The full stack is structurally valuable only for traders with high pass rates and high projected funded yield.

Is Brightfunded cheaper than FTMO for the 100K account?

Brightfunded's Saturn 100K costs EUR 495 compared to FTMO's EUR 540 for their 100K challenge. Brightfunded is EUR 45 cheaper at base price. However, FTMO includes a fee refund for free and offers retry options, while Brightfunded charges an extra 10% for fee refund and has no reset policy. The total-cost comparison favors FTMO for reset-prone traders.

What is the Brightfunded fee-as-percent-of-capital metric?

The fee-as-percent-of-capital metric is the headline fee divided by the simulated allocation size. On Pluto 5K it is approximately 1.10%; on Jupiter 200K it is approximately 0.49%. Larger accounts achieve better per-dollar efficiency. This metric is structurally useful for comparing pricing efficiency across account sizes within the Brightfunded catalog.

Can I buy multiple Brightfunded accounts simultaneously?

Yes. There is no rule preventing parallel accounts under one identity. Each account is full price; Brightfunded does not offer volume discounts on multi-account purchases. Add-on configuration applies per account, so a trader wanting the 90% split on three parallel Saturn accounts pays the EUR 99 add-on three times. The fee stacks linearly with no volume discount.

Does Brightfunded offer a free trial?

No. Brightfunded does not offer a free trial. The smallest paid entry is Pluto 5K at EUR 55, which is structurally the cheapest way to test the platform before committing to a larger account. With NEW15 applied, the effective cost drops to EUR 46.75 for first-time buyers.

What is the smallest Brightfunded account?

Pluto at $5,000 simulated allocation is the smallest. Fee is EUR 55, dropping to EUR 46.75 with NEW15. The fee-as-percent-of-capital is approximately 1.10%, the highest in the catalog. Pluto is best used as a platform test rather than as a primary trading account because the dollar yield on the small allocation is limited.

What is the largest Brightfunded account?

Jupiter at $200,000 simulated allocation is the largest. Fee is EUR 975, dropping to EUR 828.75 with NEW15. The fee-as-percent-of-capital is approximately 0.49%, the most efficient in the catalog. Jupiter suits experienced traders confident in their first-attempt pass rate because the no-reset penalty at full Jupiter fee is structurally meaningful.

Does Brightfunded apply the discount code automatically?

No. Discount codes must be entered manually at checkout in the dedicated promo code field. Forgetting to apply NEW15 on a first purchase costs the trader 15% of the headline fee with no after-the-fact recovery path. Verify the discount appears in the order summary before completing payment.

Does Brightfunded support PayPal refunds?

Yes within the 30-day no-trade window. Refunds return to the original payment method, so PayPal purchases refund to PayPal. The refund processing takes 3 to 10 business days depending on PayPal's internal handling. Crypto refunds return in crypto at the prevailing exchange rate rather than the purchase-time rate, which can produce gain or loss on the refund amount.