The 5%ers FAQ: 60+ Questions on Programs, Rules, Payouts, and Platforms (2026)

The 5%ers FAQ answers 60+ of the most common questions about the multi-asset prop firm founded in 2016, covering general firm information, the four CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp), the Futures track on Black Arrow, trading rules, platforms, payouts, trust signals, and the specifics of the Futures beta. Every answer is sourced from the firm's official help center, program pages, and recent press releases as of May 2026, with first-hand experience layered into the Futures-track section based on multiple evaluation passes and approximately $9,000 in payouts on the Futures Basecamp track over the last three months.

The 5%ers is unique in the prop firm category because of its multi-asset coverage. Unlike Apex, Topstep, or Tradeify (futures-only) or FundedNext, FTMO, and similar (CFD-only), The 5%ers offers traders both a CFD product suite (Hyper Growth, Pro Growth, High Stakes, Bootcamp) and a separate Futures track (Basecamp + Rebate) under one brand. This FAQ separates the two tracks clearly so traders know which rules and platforms apply to which program before purchase.

For the full firm review, see the The 5%ers main review. For program-specific deep-dives, see the Account Types Overview and the Rules Overview. Save on any program with code 7QHKBHSAQV at checkout.

General Questions About The 5%ers

What is The 5%ers?

The 5%ers is a multi-asset prop trading firm founded in 2016, registered as Five Percent Online Ltd. in Raanana, Israel (company number 515864007). The firm offers four CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp) and a separate Futures track (Basecamp + Rebate) on the Black Arrow platform. As of May 2026, The 5%ers reports 262,000 funded traders, approximately $43M in cumulative payouts (third-party aggregator marketing claim, not audited), and a 4.9/5 Trustpilot rating across 22,000+ reviews. The firm employs 149 people across 23 countries.

Is The 5%ers legit?

Yes. The 5%ers is a legitimately registered Israeli company (Five Percent Online Ltd., #515864007) operating since 2016 with public CEO Saul Lokier and founder Gil Ben Hur. It is unregulated as a financial institution because all trading occurs in a simulated/evaluation environment, which is the standard structure across the prop firm category. Legitimacy signals: 22,000+ Trustpilot reviews at 4.9/5, 262,000 funded traders disclosed on the homepage, 149 employees across 23 countries, ten years of continuous operation, public CEO and founder named in 2025 press releases, and verified registration on Israeli corporate records. The firm is not a regulated brokerage or futures commission merchant, that classification does not apply to simulated-trading prop firms.

Who owns The 5%ers?

The 5%ers is owned and operated by Five Percent Online Ltd., a company headquartered at 2 Ha'tidhar Street, Raanana, Israel. CEO Saul Lokier is named in 2025 press releases announcing the cTrader partnership and US expansion, while Gil Ben Hur is named as founder and public face of the firm in the same releases. Ben Hur's exact title (Founder vs Co-Founder vs Chairman) is not pinned to a single canonical source, verify with firm if title matters for due diligence. The firm operates as part of the broader 5% Group, which also includes the TradeThePool sister brand for stock funding.

When was The 5%ers founded?

The 5%ers was founded in 2016. The firm has been operating for approximately 10 years as of May 2026, making it one of the longer-tenured CFD-focused prop firms still active. The Futures track is much newer, launched in beta in February 2026, but the core CFD programs (Hyper Growth, High Stakes, Bootcamp) trace their lineage to the 2016 founding. Continuous operation across three industry cycles (the 2020 retail trading boom, the 2022-2023 broker shakeout that took down MyForexFunds and others, and the 2024-2026 multi-asset expansion) is itself a meaningful longevity signal in a category where many firms collapse within 24 months.

Where is The 5%ers based?

The 5%ers is headquartered at 2 Ha'tidhar Street, Raanana, Israel, registered as Five Percent Online Ltd. (company number 515864007). The firm employs 149 people across 23 countries. Despite being Israeli-based, Israel residents themselves are not permitted to participate in The 5%ers programs, Israel appears on the firm's restricted-countries list. Operations are global in scope: traders in the US (since September 2025), the UK, the EU, Latin America, and most of Asia can access the programs. Restricted jurisdictions cluster around OFAC-sanctioned countries plus a handful of additional regulatory exclusions.

Is The 5%ers regulated?

No. The 5%ers is unregulated as a financial institution because all trading occurs in a simulated/evaluation environment rather than against real client capital. The firm explicitly states the trading environment is simulated. This is the standard structure for the prop firm category and is not unique to The 5%ers, all major competitors (FundedNext, FTMO, MyForexFunds successor brands, Apex, Topstep, Tradeify) operate the same way. The legal implication: prop firms are software companies running evaluation games, not regulated brokerages. Trader payouts come from firm operating capital, not from market positions held against client funds.

How many funded traders does The 5%ers have?

As of May 2026, The 5%ers homepage reports 262,000 funded traders. The firm also discloses approximately $43M+ in cumulative payouts across 20,000+ verified payouts according to third-party aggregator Payout Junction. The funded-trader figure is firm-disclosed; the payout total is third-party aggregated and should be treated as a marketing floor rather than an audited figure. The 262,000 figure positions The 5%ers among the larger prop firms in raw funded-trader count, though smaller than FundedNext (93,000+ across both CFD and Futures tracks at higher funded-account density per trader).

What is TradeThePool?

TradeThePool is The 5%ers' sister platform for stock trading. It is a separate brand within the broader 5% Group structure, focused on equity funding rather than the CFD/Futures programs offered under The 5%ers brand. Stock-focused traders are routed to TradeThePool; CFD and Futures traders use The 5%ers core programs. The two brands share group ownership but operate independently with different account structures, different platforms, and different rule sets. If you want to trade individual stocks via prop funding, TradeThePool is the entry point, not The 5%ers core programs.

Programs and Account Types

What programs does The 5%ers offer?

The 5%ers offers five total programs across two tracks. The CFD track has four programs: Hyper Growth (1-step, free entry), Pro Growth (1-step paid, introduced in 2026), High Stakes (2-step), and Bootcamp (3-step). The Futures track on the Black Arrow platform has two programs: Futures Basecamp (standard commission) and Futures Rebate (commission rebate for high-volume traders). All programs run on a one-time evaluation fee model with no monthly subscription. The variety of program structures (1-step free, 1-step paid, 2-step, 3-step, plus separate Futures track) gives traders multiple entry paths matched to their risk profile and budget.

What is the Hyper Growth program?

Hyper Growth is The 5%ers' 1-step CFD evaluation. Account sizes are $5K, $10K, and $20K with a maximum of $40,000 total across accounts per trader. The profit target is 10% on evaluation and 10% per scaling step. The daily loss rule is 3% as a pause (not termination), trading pauses until the next server reset rather than ending the account. Max drawdown is 6% below the initial balance, which terminates the account. Profit split starts at 50/50 and scales toward 100% up to a $4,000,000 cap. Hyper Growth is the most forgiving 1-step product in The 5%ers lineup because of the daily-loss pause rule.

What is the Pro Growth program?

Pro Growth is a 1-step CFD program introduced in 2026 as a paid variant alongside the free Hyper Growth track. Account sizes are $5K ($74), $10K ($140), and $20K ($270). Pro Growth requires 10% profit target, 3 minimum profitable days (each ≥0.5% profit on closed positions), and a stricter 3% daily loss that terminates rather than pauses. Profit split starts at 75/25 and scales toward 100% up to $500,000. The key differentiators vs Hyper Growth are the daily-loss-terminates rule, the minimum-profitable-days requirement, and the higher starting profit split. Pro Growth fits traders who want a higher entry split and accept stricter daily-loss enforcement.

What is the High Stakes program?

High Stakes is The 5%ers' 2-step CFD program. Account sizes range from $2.5K to $100K. Phase 1 requires 10% profit, Phase 2 requires 5%. The 5% daily loss terminates the account; max drawdown is 10% from initial balance. Leverage runs up to 1:100, the highest of any The 5%ers CFD program. Profit split begins at 80/20 and scales: 85/15 at $175K balance, 90/10 at $250K, 100% at $350K, with fixed payouts of $4K–$10K at top tiers. Step 1 entry is $19 across all sizes. High Stakes is the value entry point for the 2-step model with the most generous drawdown and the highest leverage in the CFD lineup.

What is the Bootcamp program?

Bootcamp is a 3-step CFD program designed as the disciplined-compliance path. Starting account sizes are $20K, $100K, or $250K. Total cost to funded is approximately $72 ($22 Step 1 + $50 funded activation), with free progression between Steps 1–3. Each step requires 6% profit with 5% max loss. The defining rule is mandatory stop-loss on all positions: stop-loss must be visible in the platform, no single position may risk more than 2% of account balance, and 5 violations result in automatic account termination. Bootcamp is the strictest compliance regime among CFD programs and is built for traders who want to internalize stop-loss discipline.

What is the Futures Basecamp program?

Futures Basecamp is The 5%ers' standard 2-phase futures evaluation on the Black Arrow platform. Account sizes are $25K and $50K. Entry fee is $50 for the evaluation phase plus a $70 activation upon passing to funded. Profit target is 6% in evaluation, 4% in funded. Max loss is 3% on an end-of-day basis (not intraday trailing) in both phases. Contract limits are 2 mini and 20 micro. Scaling caps at $500,000. Futures launched in beta in February 2026, Basecamp is the standard-commission variant for traders who don't generate enough volume to justify the Rebate alternative.

What is the Futures Rebate program?

Futures Rebate is the high-volume variant of the Futures track. Same 2-phase structure as Basecamp, same Black Arrow platform, same EOD 3% max loss rule. The differentiator is the commission rebate: Rebate participants receive up to 100% of commissions returned daily. This makes Rebate the better economic choice for traders generating significant contract volume; Basecamp remains the simpler choice for lower-volume traders. Both track variants share scaling caps ($500K), profit targets (6% eval, 4% funded), and platform constraints (Black Arrow only, no weekend holding, 10-minute pre-close flatten requirement).

Which 5%ers program is cheapest to enter?

High Stakes Step 1 at $19 is the cheapest single-payment entry across all CFD programs. Bootcamp totals approximately $72 to fully funded ($22 Step 1 + $50 activation) but is structured across three free progression stages. Hyper Growth pricing starts at approximately $74 (with a 15% off promo on $10K through June 1, 2026). Pro Growth starts at $74 for the $5K size. Futures Basecamp totals $120 to funded ($50 evaluation + $70 activation). The cheapest absolute entry is High Stakes Step 1 at $19; the cheapest path to funded is Bootcamp at approximately $72 total.

Which 5%ers program has the highest profit split?

All major CFD programs scale to 100% profit split at the top of their scaling tier. Hyper Growth and Bootcamp scale toward 100% up to $4,000,000 in account size. Pro Growth and High Stakes scale toward 100% up to $500,000. The starting split differs: Hyper Growth and Bootcamp begin at 50/50; Pro Growth begins at 75/25; High Stakes begins at 80/20. The Futures track starts at 80/20 per the futures page. Top-tier 100% is achievable across programs given enough scale time. Day one, the highest split is 80/20 on High Stakes and Futures.

Can I run multiple 5%ers accounts?

Yes, with program-specific limits. Hyper Growth allows multiple accounts up to a $40,000 total cap. Pro Growth allows one account per size tier (one $5K, one $10K, one $20K). High Stakes allows one $2.5K, one $5K, one at $10K or $25K, and one at $50K or $100K. Bootcamp allows one $250K, one $100K, and two $20Ks (each must use a different trading method). Across all programs, copy trading and account coordination are explicitly prohibited and can result in termination. Mixing programs (one Hyper Growth, one High Stakes, etc.) is allowed within program-specific limits.

Does The 5%ers have minimum trading days?

Hyper Growth has no minimum trading days requirement. Pro Growth requires 3 minimum profitable days, each showing at least 0.5% profit on closed positions. High Stakes requires 3 minimum profitable days per phase, also at the 0.5% threshold. Bootcamp does not enforce minimum profitable days but applies the 5-violation stop-loss rule per stage. Futures has no minimum profitable days requirement on either phase. The minimum-days rule is a way for the firm to filter out traders who pass on a single oversized day; the 0.5% profit threshold prevents counting tiny days as qualifying.

Is there a time limit on 5%ers evaluations?

All The 5%ers programs offer unlimited time to complete evaluation, subject to a 30-day inactivity rule. If an account goes 30 consecutive days without a trade, the account is closed. Active traders face no calendar-based deadline to pass. This is more permissive than competitors like FundedNext or FTMO that historically applied 30-day or 60-day evaluation windows. The unlimited-time framing fits a methodical pace; the 30-day inactivity envelope is the only constraint. Place at least one trade every 30 days to keep accounts alive during slower trading periods.

Trading Rules and Restrictions

What is the difference between Hyper Growth and Pro Growth?

Three core differences. First, daily loss rule: Hyper Growth pauses trading at 3% (account preserved); Pro Growth terminates at 3% (account lost). Second, minimum profitable days: Hyper Growth requires none; Pro Growth requires 3, each showing ≥0.5% profit on closed positions. Third, starting profit split: Hyper Growth begins at 50/50; Pro Growth begins at 75/25. Pro Growth is the paid variant ($74/$140/$270 by size) while Hyper Growth is the free-entry track. Both run on MT5 Hedge with cTrader optional. Pro Growth fits traders willing to trade stricter rule enforcement for a higher day-one profit split.

What is The 5%ers' daily loss rule?

Daily loss rules differ by program. Hyper Growth has a 3% PAUSE rule (trading paused until server reset, account not terminated). Pro Growth has a 3% TERMINATE rule (account lost on breach). High Stakes has a 5% TERMINATE rule applied in both phases. Bootcamp has a 3% daily PAUSE on the funded stage with a 4% max loss. Futures uses a 3% end-of-day max loss in both phases (not an intraday daily loss). The pause-vs-terminate distinction is the most-asked rule question and one of the highest-stakes differentiators across The 5%ers programs, confusing them is the fastest way to lose an account unexpectedly.

What is The 5%ers' max drawdown rule?

Max drawdown rules also differ by program. Hyper Growth: 6% below initial balance terminates. Pro Growth: 6% below initial balance terminates. High Stakes: 10% from initial balance terminates. Bootcamp: 5% per evaluation stage, 4% on funded. Futures: 3% end-of-day max loss in both phases. The 10% on High Stakes is the most generous CFD drawdown; the 3% EOD on Futures is the strictest in absolute percentage but is structurally forgiving because it checks at session close rather than intraday. None of these are trailing in the traditional intraday sense, Futures uses EOD basis specifically.

Does The 5%ers allow news trading?

Yes, news trading is allowed across all programs but with restrictions. High Stakes and Pro Growth permit holding through news but prohibit new orders within 2 minutes before or 2 minutes after high-impact news events. Hyper Growth and Bootcamp permit news trading without the explicit 2-minute window restriction stated. Futures permits news trading. Bracket strategies (placing simultaneous buy/sell orders before high-impact news to capture the move) are explicitly banned across all programs. If your edge depends on news-time entries, High Stakes and Pro Growth's 2-minute buffer is the constraint to plan around.

Can I hold positions overnight at The 5%ers?

Yes for CFD programs, with caveats. Hyper Growth, Pro Growth, High Stakes, and Bootcamp all permit overnight holding. Indices carry high swap charges, particularly over weekends. Futures permits overnight holding only up to 1 mini contract or 10 micro contracts (half the intraday limit). The Futures track also requires positions closed at least 10 minutes before market close. Weekend holding is permitted on CFD programs but explicitly NOT permitted on the Futures track. The CFD-vs-Futures overnight rule split is consequential, moving between tracks without re-reading the rules has caused breached accounts.

Can I hold positions over the weekend?

CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp) all permit weekend holding, with high swap charges noted on indices. The Futures track does NOT permit weekend holding under any circumstances, all Futures positions must be closed by Friday session end. The CFD-vs-Futures weekend rule split is one of the most consequential differences between the two tracks and a frequent source of accidental rule breaches for traders moving between them. Plan position sizing on Fridays accordingly: CFD traders can hold; Futures traders must flatten.

Are EAs and automated trading allowed?

Yes, EAs and automated trading are permitted on The 5%ers across all programs. Banned automation types include: tick scalping, high-frequency trading (HFT), latency arbitrage, reverse arbitrage, hedge arbitrage, and emulator-based EAs. Standard discretionary EAs and rule-based bots that don't exploit micro-timing or arbitrage are allowed. Copy trading and coordinated trading across accounts is prohibited and grounds for termination. If your strategy uses an EA, ensure it does not match any banned pattern (especially tick-level scalping) before funding to avoid retroactive enforcement.

Is copy trading allowed at The 5%ers?

No. Copy trading is explicitly prohibited at The 5%ers and is grounds for account termination. The firm monitors for coordinated trading patterns across accounts. This includes both classical copy trading services and informal coordination between traders running similar strategies. The firm's complaint history includes accusations of bulk-trading or copy-trading flagged at payout time, sometimes without specific trade evidence cited, handle this rule with extreme care. If you trade multiple 5%ers accounts under your own name, ensure each runs an independent strategy with documented decision-making to avoid pattern-match risk.

What is the Bootcamp stop-loss rule?

Bootcamp requires a mandatory stop-loss on all positions. The stop-loss must be visible in the trading platform, no stealth or mental stops. No single position may risk more than 2% of account balance. Opening a position without a stop-loss OR with a stop-loss risking more than 2% each counts as a violation. Five violations across the account life result in automatic termination. This is the strictest stop-loss compliance regime among The 5%ers programs and a primary reason traders fail Bootcamp. Build the stop-loss-first discipline into your order entry workflow before purchasing Bootcamp.

What is the Futures 30% consistency rule?

The Futures track applies a 30% per-position consistency limit. No single position can generate more than 30% of total profits over the evaluation or funded cycle. The rule prevents traders from passing on a single oversized win and forces a more even profit distribution. The workaround is similar to other consistency rules: trade additional smaller days to dilute the concentration ratio of any large single trade. From my own Futures account experience, the 30% rule has not tripped at moderate position sizing (1-2 mini contracts at standard targets), it primarily catches traders attempting to pass on a single home-run trade.

Is HFT allowed at The 5%ers?

No. High-frequency trading (HFT) is explicitly banned across all The 5%ers programs. This includes tick scalping (sub-2-minute systematic short holds), latency arbitrage (exploiting price-feed delays), reverse arbitrage, hedge arbitrage, and emulator-based EAs that simulate HFT behavior. Discretionary scalping with reasonable holding periods is allowed; systematic short-timeframe automated trading is not. If your strategy depends on HFT, The 5%ers is not the right firm, try a personal futures brokerage account instead. The HFT ban is consistent with industry-standard prop firm rules; no major prop firm permits HFT.

What is the 30-day inactivity rule?

All The 5%ers programs apply a 30-day inactivity rule. If an account goes 30 consecutive days without a trade, the account is closed. The rule applies on both evaluation and funded stages. The intent is to prevent dormant inventory of unfunded or funded accounts and to encourage active trading. Traders planning extended breaks should place at least one trade within the 30-day window to keep accounts open. The rule is universal across CFD and Futures tracks; account closure is automatic and final on inactivity breach.

What is the 5%ers interview requirement?

The 5%ers may request a video verification interview before approving a payout, particularly on larger withdrawals or unusual trading patterns. If the firm requests an interview, the trader has 5 business days to schedule it. Failure to schedule within the 5-business-day window results in payout denial AND account termination. The interview requirement is one of the most cited friction points in negative reviews, handle requests promptly and verify with firm support if scheduling logistics are unclear. The interview process is documented in the firm's help center as part of the standard payout flow.

Are bracket strategies allowed?

No. Bracket strategies, placing simultaneous buy and sell orders before high-impact news to capture the eventual directional move, are explicitly banned across all The 5%ers programs. The ban applies whether you're on Hyper Growth, Pro Growth, High Stakes, Bootcamp, or the Futures track. This is one of the few rules consistent across all programs and tracks. News trading itself remains allowed (subject to the 2-minute order-window restriction on High Stakes and Pro Growth); only the specific bracket-strategy pattern is banned.

What strategies are banned at The 5%ers?

Banned strategies across all programs: tick scalping (sub-2-minute systematic holds), high-frequency trading (HFT), latency arbitrage, reverse arbitrage, hedge arbitrage, emulator-based EAs, copy trading, coordinated trading across accounts, and bracket strategies around high-impact news. Allowed strategies include discretionary scalping with reasonable holding periods, swing trading, position trading, news trading (with 2-minute restrictions on High Stakes/Pro Growth), and standard EAs that don't exploit micro-timing or arbitrage. The banned-strategies list is consistent with industry-standard prop firm rules.

Platforms and Asset Classes

What platforms does The 5%ers support?

The 5%ers supports MT5 Hedge as the primary platform for all CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp). cTrader was added September 1, 2025 as an alternative option, enabling US trader access. Black Arrow is the dedicated platform for the Futures track. MT4 status as of May 2026 is unclear, one third-party source mentions it but the official site does not confirm; verify with firm support if MT4 matters. Tradovate and NinjaTrader 8 are NOT supported for The 5%ers Futures despite being industry-standard futures platforms elsewhere, Black Arrow is the sole Futures platform.

Is MT5 available at The 5%ers?

Yes. MT5 Hedge is the primary platform for all four CFD programs at The 5%ers (Hyper Growth, Pro Growth, High Stakes, Bootcamp). MT5 Hedge mode allows simultaneous long and short positions on the same instrument, which is the standard configuration for prop firm CFD trading. MT5 is not supported for the Futures track, Futures uses Black Arrow exclusively as of the February 2026 beta launch. For traders comfortable with MT5 from prior CFD experience, all four CFD programs at The 5%ers are immediately accessible without platform-onboarding friction.

Is cTrader available at The 5%ers?

Yes. cTrader was announced on September 1, 2025 as a platform addition presented as an alternative to MT5 (supplement, not replacement). cTrader enabled US trader access since MetaQuotes (MT5's parent) is not available in the US market. The exact list of which CFD programs cTrader covers is not specified in the announcement, the firm's wording is 'across CFD programs' without per-program detail. Verify with firm support if cTrader on a specific program matters. For US traders specifically, cTrader is the practical entry vehicle into the CFD programs.

Is MT4 available at The 5%ers?

Unclear as of May 2026. One third-party source lists MT4 as available, but the official The 5%ers site and program pages do not confirm MT4 support. The firm's modern platform stack centers on MT5 Hedge, cTrader, and Black Arrow (Futures). MT4 may be a legacy reference from earlier program iterations. Verify directly with firm support before purchasing if MT4 is a hard requirement for your trading setup. The 2026 platform direction at The 5%ers clearly favors MT5/cTrader/Black Arrow rather than maintaining MT4 support.

What is Black Arrow?

Black Arrow is the dedicated trading platform for The 5%ers Futures track (both Basecamp and Rebate). It launched alongside the Futures program in beta in February 2026 and is the only platform initially supported for Futures. Additional Futures platforms are planned per firm announcements but have not been confirmed as of May 2026. Tradovate, NinjaTrader 8, and other common futures platforms are not currently confirmed for The 5%ers Futures. Black Arrow is a relatively young platform, traders new to it should expect a learning curve compared to established alternatives like NinjaTrader.

What instruments does Black Arrow support?

Based on third-party cross-references (DamnPropFirms), Black Arrow supports equity index futures (ES, NQ, YM, RTY and their micros), energy futures (CL, NG), metals (GC, SI), and select bond and FX futures. The full instrument list is not directly published on the firm's official Futures page, verify the current instrument set with firm support before funding if specific instruments are critical to your strategy. Crypto futures are NOT available on the Futures track. From my own Futures account, the equity-index micros (MES, MNQ) and CL have been the practical instruments, sizing within the 2-mini/20-micro contract limit.

Can I trade crypto on The 5%ers?

Crypto CFD is available on Hyper Growth, Pro Growth, and High Stakes, listed as "Crypto" on those program pages. Crypto is NOT available on Bootcamp (the Bootcamp page lists only FX, Metals, and Indices). Crypto is also NOT available on the Futures track (no crypto futures contracts). On the supported CFD programs, crypto leverage is set lower (0.60 on Pro Growth) reflecting higher volatility risk. For crypto-exposure traders, Hyper Growth is the most flexible entry point; Bootcamp's omission of crypto is a deliberate program-design choice.

Can I trade indices on The 5%ers?

Yes. Indices are available across all four CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp) on MT5 and cTrader. Leverage is 1:25 on Pro Growth indices (and metals); other programs run leverage at the program-set rate (Hyper Growth and Bootcamp use 1:30; High Stakes runs up to 1:100). Indices carry high swap charges over weekends, be aware of swap costs if holding through Friday close. Indices are also tradeable on the Futures track as equity index futures (ES, NQ, YM, RTY) on the Black Arrow platform with its own contract-limit and EOD rule structure.

Can I trade gold and metals on The 5%ers?

Yes. Metals (Gold, Silver) are available on all four CFD programs at The 5%ers. Leverage on metals is typically 1:25 (Pro Growth confirmed; other programs vary by program-set rate). Metals are also tradeable on the Futures track as Gold (GC) and Silver (SI) futures contracts on the Black Arrow platform. Spot metals via CFD (MT5) and metals futures via Black Arrow are two separate paths to metals exposure with different leverage and rule profiles. CFD metals trade with platform-set spreads; futures metals trade against actual exchange-traded contracts via Black Arrow.

Are US traders allowed at The 5%ers?

Yes. The 5%ers explicitly opened to US traders on September 18, 2025. cTrader is the entry vehicle for US traders because MetaQuotes (MT5) is not available in the US market. US traders can access CFD programs via cTrader and the Futures track via Black Arrow. One third-party source incorrectly lists USA as restricted, that information is outdated; the official help center and firm press releases confirm US is welcomed. The 5%ers Futures launched in beta with US-trader support from day one. From my own US-context Futures account, no platform-side blocking issues have surfaced.

Payouts and Withdrawals

When can I request my first 5%ers payout?

First payout eligibility opens 14 days after funded account activation. The 14-day window applies across all programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp, Futures). After the first payout, subsequent payouts run on a bi-weekly cadence, every 14 days from the last approved withdrawal. The 14-day window is calendar days, not trading days. The first-payout window is the same regardless of how quickly you reached funded status from evaluation. Plan your first-trade-on-funded date with the 14-day countdown in mind.

How often does The 5%ers pay out?

Bi-weekly. After the 14-day first-payout window, subsequent payouts are available every 14 days from the last approved withdrawal. The cadence resets if your account is scaled, the scaling date becomes the new reference for the 14-day cycle. From my own Futures account, bi-weekly withdrawals have processed without friction over the last three months. The bi-weekly cadence is one of the more conservative cadences in the prop industry (some competitors offer weekly or on-demand) but consistent with firms emphasizing risk-management discipline.

What is the minimum 5%ers payout?

$150 is the minimum withdrawal amount, calculated after the profit split is applied. So if your profit split is 80/20 and you generated $187.50 in account profits, your trader share is $150, exactly at the minimum. Below $150 trader-share, you cannot request withdrawal and must continue trading until the threshold is met. The $150 minimum is consistent across all programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp, Futures). For traders just hitting funded status on smaller account sizes, plan position sizing to clear the $150 threshold consistently within bi-weekly cycles.

What is the maximum 5%ers payout?

The maximum per cycle for crypto withdrawals is $1,500, confirmed across the help center. The maximum per cycle for non-crypto methods (Rise, Bank Transfer, Hub Credits) is not explicitly stated in available official documentation as of May 2026, verify with firm support if a specific large-withdrawal scenario applies. High Stakes scaling adds fixed payouts of $4K–$10K at top-tier balances ($350K+) as scaling milestones rather than as routine withdrawal caps. For sub-$1,500 monthly payouts, the cap is not a binding constraint on most accounts.

What payout methods does The 5%ers offer?

Four payout methods: Rise (Riseworks for crypto and bank), Crypto direct (USDT TRC20, USDC ERC20, ETH, LTC), Bank Transfer, and Hub Credits. Rise, Crypto, and Bank Transfer all carry a 3.5% processing fee per the official help center. Hub Credits are 0% fee but non-withdrawable, they can only be used to purchase new programs within The 5%ers ecosystem. For traders cycling earnings into new accounts, Hub Credits effectively offer a discount of 3.5% on future program purchases versus withdrawing cash and re-buying.

Are 5%ers payouts in crypto possible?

Yes. Crypto payouts are supported via USDT (TRC20), USDC (ERC20), ETH, and LTC. Direct crypto withdrawals carry the same 3.5% processing fee as Rise and Bank Transfer methods. Maximum per cycle for crypto is $1,500. For crypto-preferring traders, this is a natively-supported path without third-party conversion. The Rise option also routes via Riseworks, which can settle into crypto wallets through their integration. Crypto payout speeds are generally faster than bank transfer once firm-side processing completes.

How long do 5%ers payouts take?

Processing time is 5 to 8 business days typical per the official help center. This is firm-side processing only; total elapsed time including method-side settlement can extend further (Bank Transfer in particular adds 1-3 business days post-firm processing). From my own Futures account, multiple bi-weekly withdrawals have processed within the stated window with no delays. The 5-8 day window is more conservative than competitors like Alpha Futures (48-business-hour processing) or Topstep (instant for small payouts) but matches the firm's bi-weekly-cadence orientation around methodical risk control.

What are Hub Credits?

Hub Credits are a non-withdrawable internal currency at The 5%ers used to purchase new programs. They are 0% fee, meaning the full credit value applies to a new program purchase versus a 3.5% deduction on cash withdrawals. Hub Credits cannot be cashed out, they exist only inside the firm's ecosystem. For traders planning to scale into multiple programs, taking some payout share as Hub Credits effectively gives a 3.5% discount on future program purchases. Hub Credits work well for traders rolling profits into Bootcamp or High Stakes scale-ups; they're less useful for traders extracting profits to external use.

Does The 5%ers refund evaluation fees?

On the High Stakes program, the firm reportedly refunds 70% of the initial program fee as account equity with the first payout, per third-party reviews and the help center cross-reference. This claim is sourced from third-party documentation rather than fully verified from the official program page, verify with firm support before relying on the refund as a financial planning input. Other programs do not appear to have an equivalent fee-refund mechanism documented as of May 2026. The High Stakes refund applies as account equity rather than cash, so it functions as scaling capital rather than withdrawable cash on first payout.

What is the 5%ers payout fee?

3.5% processing fee on Rise, Crypto, and Bank Transfer withdrawal methods, per the official help center. Hub Credits are 0% fee but non-withdrawable. One third-party source (FXEmpire) cited a different fee structure (2% on Rise/Crypto, 3% on Bank Transfer), that information appears outdated; the 3.5% figure from the official help center should be treated as current. The fee is deducted from the trader-share of profits at withdrawal time, not from the gross account balance.

Trust, Legitimacy, and Complaints

What is The 5%ers' Trustpilot rating?

4.9/5 across 22,000–25,000+ reviews depending on snapshot date (May 2026). Trustpilot direct scrape was blocked, but the rating is cross-referenced across multiple third-party reviews. Approximately 93% of reviews are five-star. The 4.9/5 figure is among the highest sustained ratings in the prop firm category. Negative reviews cluster around payout-interview friction and bulk-trading allegations rather than systemic operational issues. For volume-of-feedback signal, 22,000+ reviews puts The 5%ers in the top tier of prop firms by review count.

Is The 5%ers a scam?

No. The 5%ers is a legitimate Israeli-registered company (Five Percent Online Ltd., #515864007) operating since 2016 with disclosed CEO Saul Lokier, founder Gil Ben Hur, 149 employees across 23 countries, 262,000 funded traders, and 22,000+ Trustpilot reviews at 4.9/5. The firm is unregulated as a financial institution (standard for prop firms because trading is simulated) but operates with a public corporate footprint. Negative reviews exist but cluster around rule-interpretation friction, not systemic fraud. From my own Futures account, payouts have processed without friction across the last three months totaling approximately $9,000.

What complaints does The 5%ers have?

Three recurring negative themes across third-party reviews. First, interview-linked payout withholding: the 5-business-day video interview window can result in payout denial and account termination if missed. Second, bulk-trading or copy-trading accusations applied at payout time, sometimes without specific trade evidence cited. Third, post-scale account terminations: traders banned after multiple successful payouts citing continued rule violations without trade IDs. Pattern: the firm exercises broad discretion in interview/termination decisions. None of these themes constitute systemic fraud, but they are friction points to plan around.

Has The 5%ers had any scandals?

No systemic scandal as of May 2026. Isolated forum threads (ForexPeaceArmy, Trustpilot) document individual disputes, typically payouts approved then reversed with bulk-trading or interview-failure justification. Pattern is broad discretion exercised at withdrawal time rather than firm-wide misconduct. The 5%ers operates with standard Israeli corporate registration, no regulatory enforcement actions, and has been continuously operating since 2016, none of the warning signs typical of failed prop firms. The longevity (10 years) is itself a meaningful trust signal in a category where many firms collapse within 24 months.

What does 'simulated environment' mean?

All trading at The 5%ers occurs in a simulated environment, not against real client capital. Evaluation phase is purely simulated. Funded phase trades on demo/sim infrastructure where the firm pays trader-share of profits as 'payouts' from operating capital, not from real market positions. This is the standard prop firm structure. The legal implication: The 5%ers is not a regulated financial institution because no client funds are at risk, all economic risk sits with the firm. This applies to every comparable prop firm (FundedNext, FTMO, Apex, Topstep) as well. The simulated structure does not affect payout reliability, it reflects the legal classification.

Why is The 5%ers based in Israel?

The 5%ers (Five Percent Online Ltd., company #515864007) was founded in 2016 in Raanana, Israel. The Tel Aviv area has been a regional hub for fintech and trading software since the 2000s. Israeli registration is the company's chartering jurisdiction; the firm serves traders globally except a 34-country restricted list. Notably, Israel residents themselves are NOT permitted to trade with The 5%ers, Israel appears on the restricted countries list despite the firm being Israeli. This is a regulatory artifact of how Israeli companies relate to Israeli retail-trading rules.

How does The 5%ers handle disputes?

Disputes are handled through the firm's support ticket system and the formal interview process for payout-related issues. The 5-business-day interview window applies to disputed payouts. Negative reviews suggest dispute outcomes can favor the firm's interpretation of rules over the trader's, particularly on bulk-trading or copy-trading flags where specific trade evidence may not be cited. For traders entering The 5%ers programs, document your trading methodology and decision-making clearly to provide evidence in the event a coordination flag is raised at payout time.

What countries does The 5%ers restrict?

Approximately 34 countries and territories are restricted as of May 2026, including Afghanistan, Belarus, Burundi, Central African Republic, Cuba, Crimea, Donetsk, Eritrea, Iran, Iraq, Israel (despite the firm being Israeli), Lebanon, Libya, Luhansk, Myanmar, North Korea, Russia, Somalia, Sudan, Syria, Venezuela, Yemen, and Zaporizhzhia. The full list is published in the firm's help center under 'who-can-join-the5ers'. The USA is NOT restricted, that misconception persists in some outdated third-party sources but was corrected with the September 2025 US opening via cTrader.

Frequently Asked Questions (Futures Track)

Are 5%ers Futures payouts smooth?

Yes, in personal experience. From my own Futures account, bi-weekly withdrawals have processed without friction across the last three months, multiple payouts cleared within the stated 5-8 business day window with no interview requests or rule disputes. Total: approximately $9,000 in payouts on the Futures track since the February 2026 beta launch. The Futures track sentiment from third-party reviewers similarly skews positive on payout reliability, though the track is still young (since Feb 2026) and pattern data is limited. Early adopters on Futures so far have not reported the bulk-trading or interview-friction issues common on the CFD side.

Is The 5%ers Futures still in beta?

Yes. The Futures program (both Basecamp and Rebate variants) launched in beta in February 2026 and remained in beta as of the most recent firm announcements through May 2026. Beta status implies the firm reserves the right to adjust platform, instrument list, rules, and pricing as the program matures. Black Arrow is the sole supported platform during beta; additional platforms are planned but not confirmed. Traders entering the Futures track during beta should expect potential changes, the rule set has been stable so far, but platform additions and instrument expansions are likely as the program matures.

What is the Futures EOD max loss?

3% end-of-day max loss applies on both phases of the Futures track (evaluation and funded). EOD basis means the max-loss check happens at session close based on closed-position P&L plus open positions at close, not as an intraday trailing rule. This is structurally more forgiving than intraday-trailing drawdowns used by Topstep, Take Profit Trader, and TickTickTrader because intraday equity dips do not trigger breach as long as you recover by session end. Manage the EOD by carefully sizing closing positions and ensuring you close green or near-flat on volatile days.

What are the Futures contract limits?

2 mini contracts and 20 micro contracts maximum at any time across both phases (evaluation and funded). For overnight holding specifically, the limit drops to 1 mini OR 10 micro contracts. Weekend holding is not permitted at all. Market close requires positions flat at least 10 minutes before the close. The 2-mini/20-micro intraday limit is generous compared to many futures prop firms; the overnight halving is a meaningful constraint for swing-leaning traders. Plan position sizing around the close-of-day window if you intend to carry positions overnight.

Does The 5%ers Futures allow overnight holding?

Yes, with strict limits. Overnight holding is permitted up to 1 mini contract OR 10 micro contracts. This is half the intraday limit (2 mini/20 micro). Weekend holding is NOT permitted under any circumstances. All positions must be closed at least 10 minutes before market close on the day before any market-closure event. The overnight rule is a meaningful constraint for traders who want to hold positions through the global session, within the 1-mini limit it works, beyond it requires position reduction by close. From my own Futures account, intraday-only trading has been the practical default given the overnight halving.

Are Futures Basecamp and Rebate the same?

Same evaluation structure, same Black Arrow platform, same rules, different commission economics. Basecamp pays standard commission per contract traded. Rebate participants receive up to 100% of their commissions returned daily. For high-volume traders, Rebate is materially better; for lower-volume traders, the simpler Basecamp pricing is fine. Both tracks share the 2-phase evaluation, $25K/$50K sizes, $50/$70 fee structure, EOD 3% max loss, 30% consistency rule, and $500K scaling cap. Choose based on contract-volume expectations: high-volume scalpers benefit from Rebate; methodical position traders with fewer trades use Basecamp.

Can US traders use the Futures track?

Yes. The 5%ers Futures is open to US traders from launch. The Black Arrow platform supports US-trader access without the MetaQuotes restriction that affected the original CFD programs. The Futures beta (Feb 2026) was specifically positioned as a US-friendly product, pairing with the September 2025 cTrader/CFD US opening to give US traders access across both asset classes. From my own US-context Futures account, no platform-side blocking issues have surfaced. The Futures track is a particularly clean entry point for US traders who want futures exposure without the MT5 platform-mismatch issues on the CFD side.

The bottom line

The 5%ers in 2026 is a structurally distinct multi-asset prop firm: four CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp) on MT5 Hedge / cTrader, plus a separate Futures track (Basecamp + Rebate) on the Black Arrow platform. Founded 2016, registered in Israel, US-open since September 18, 2025, and Futures-launched in February 2026 beta. 262,000 funded traders, 4.9/5 Trustpilot across 22,000+ reviews, bi-weekly payouts after 14-day first-payout window, $150 minimum withdrawal, 3.5% fee on Rise/Crypto/Bank Transfer methods.

The 5%ers fits multi-asset traders who want both CFD and Futures exposure under one brand with a 10-year operating track record and one of the highest Trustpilot ratings in the category. It is less ideal for traders who require regulated brokerage protection (use a personal brokerage account instead), HFT traders (banned across all programs), or Israel residents (restricted despite the firm being Israeli). For Futures-track traders specifically, the EOD 3% max loss is structurally more forgiving than intraday-trailing competitors, and the Black Arrow platform pairs cleanly with the multi-asset positioning. For CFD-track traders, Bootcamp builds stop-loss discipline; Hyper Growth offers free 1-step entry; Pro Growth gives a higher day-one split at the cost of stricter rules; High Stakes provides the cheapest entry ($19) and the highest leverage (1:100). Save on any program with code 7QHKBHSAQV at checkout. For the full review, see the The 5%ers main review.