The 5%ers Rules Overview: Every Program Compared (2026 Complete Guide)

The 5%ers is a multi-program prop firm where the rule book changes meaningfully depending on which product you trade, and that fact alone separates it from most competitors that flatten their programs into a single set of rules. As of May 2026, The 5%ers operates six distinct programs across two tracks: four CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp) and a separate Futures track (Basecamp, Rebate) running on the Black Arrow platform. Each program has its own daily loss rule, its own drawdown structure, its own consistency requirement, and its own progression mechanics. Treating "The 5%ers rules" as a single thing is the fastest way to fail an evaluation that you would otherwise pass.

This article is the complete per-program rules reference for The 5%ers as of May 2026. Every rule is laid out by program with a comparison matrix, a worked breakdown of the daily loss and drawdown logic, an explanation of the universal rules that apply across all programs, and a section dedicated to the Futures track including the 30% per-position consistency rule. Internal cross-links point to dedicated sub-articles for each rule (drawdown, daily loss, news trading, consistency, stop-loss policy, banned strategies) and to each program's account overview.

For the firm-wide review and program selection guide, see the The 5%ers main review. For account-by-account breakdowns, see the The 5%ers account types overview.

The 5%ers rules at a glance: all six programs compared

The fastest way to understand The 5%ers' rule framework is to put every program on a single matrix. The table below covers the nine rule dimensions that determine whether your strategy can survive each program's evaluation and funded stage.

Two patterns jump out of the matrix immediately. First, the daily loss rule is where The 5%ers diverges most sharply from competitor prop firms: a 3% threshold can be a pause (Hyper Growth, Bootcamp funded) or a termination (Pro Growth, High Stakes uses 5%), and that distinction alone determines whether one bad session ends the account or simply ends the day. Second, the Futures track is a fundamentally different product from the CFD programs, with a different platform (Black Arrow), different drawdown logic (EOD only), different consistency rule (30% per position rather than minimum profitable days), and different position-size mechanics (contract caps, not leverage ratios).

The sections below walk through each program's rule book in detail.

Hyper Growth rules: 1-step, 3% daily pause, $4M scaling

Hyper Growth is The 5%ers' free-entry 1-step CFD program (with promotional pricing for premium tier upgrades). It is the most forgiving rule set in the entire lineup, and it is the program traders most often associate with The 5%ers' reputation.

Hyper Growth rule summary as of May 2026:

Why the 3% pause matters: On every other prop firm in the futures and CFD space, hitting the daily loss limit ends the account. Hyper Growth pauses it. You cannot trade the rest of the session, but the account is still alive at the next server reset. Combined with the 6% max drawdown ceiling, this gives Hyper Growth the highest survival rate per evaluation attempt of any program in The 5%ers lineup.

Where the rule book gets you: The 6% max drawdown is hard. Once breached, the account terminates with no recovery. Bracket strategies during news are banned (placing buy-stop and sell-stop straddling price ahead of CPI or NFP releases). Tick scalping, latency arbitrage, hedge arbitrage, and emulator-based EAs are banned across every program including Hyper Growth.

For the full daily-loss mechanics, see the The 5%ers daily loss limit guide. For the drawdown mechanics, see the The 5%ers drawdown rules guide.

Pro Growth rules: 1-step, 3% daily terminate, 3 min profitable days

Pro Growth is The 5%ers' newest CFD program, introduced in 2026 as a paid 1-step variant alongside the free Hyper Growth tier. Same account sizes, same profit target, but a measurably stricter rule book.

Pro Growth rule summary as of May 2026:

Pro Growth vs Hyper Growth, the four rule deltas: Same 3% daily loss percentage, opposite consequence (terminate vs pause). Three minimum profitable days versus none. Higher starting profit split (75/25 vs 50/50). Lower scaling cap ($500K vs $4M). The trade-off is straightforward: you pay an entry fee and accept tighter rules in exchange for a higher initial split and a faster payout-eligible track.

The 3-day rule mechanics: Each profitable day must show at least 0.5% profit on closed positions. Open-position profit does not count. Three such days must accumulate before passing the evaluation. Pulling 0.49% profit on a closed-position basis does not count, even if open positions are deeply in the green at session close.

The news rule mechanics: No new orders may be placed within two minutes before or two minutes after high-impact news events. Holding existing positions through the release is permitted; opening new orders during the buffer is not. Bracket strategies (paired buy-stop and sell-stop ahead of releases) are banned regardless of timing.

For the consistency rule deep dive, see the The 5%ers consistency rule guide.

High Stakes rules: 2-step, 5% daily terminate, 10% drawdown, 1:100 leverage

High Stakes is The 5%ers' 2-step CFD program and the highest-leverage product in the entire lineup. It targets traders who want significant upside-per-dollar-of-fee at the cost of tighter daily loss and longer evaluation.

High Stakes rule summary as of May 2026:

Why High Stakes is structured the way it is: The 1:100 leverage is the headline; the 10% max drawdown is the brake; the two-phase structure with a 10% then 5% target is the filter. A 5% daily terminate on both phases is meaningfully tighter than the 3% pause on Hyper Growth, but the absolute dollar pain at a 5% terminate on a $100K is the same dollar exposure as a 5% breach on any account, and traders who size for the leverage rather than for the rule book typically blow up before completing Step 2.

The 80/20 to 100% scaling track: Funded start is 80/20. At $175K balance, the split scales to 85/15. At $250K, 90/10. At $350K, the trader receives 100% of profits plus a $4K to $10K fixed cash payout per cycle. The progression is balance-gated, not time-gated; aggressive position sizing accelerates the path but increases drawdown risk.

For account-size pricing details and progression mechanics, see the The 5%ers High Stakes account guide.

Bootcamp rules: 3-step, mandatory visible stop-loss, 5-violation termination

Bootcamp is The 5%ers' 3-step CFD program, the firm's strictest compliance-driven product, and the only program in the lineup with a hard mandatory-stop-loss rule that includes a violation counter.

Bootcamp rule summary as of May 2026:

The visible stop-loss rule is the program's defining mechanic. Every position must have a stop-loss attached and visible in the platform, not held mentally and not stored as a stealth-mode broker-side order. Each position's stop-loss must cap risk at no more than 2% of the account balance. Opening a position without a stop-loss attached counts as one violation. Attaching a stop-loss that exposes more than 2% of balance counts as one violation. Five violations across the account's history result in automatic termination, with no warning escalation.

Why this matters in practice: Traders coming from the Hyper Growth and High Stakes programs, where stop-loss policy is "required but enforced loosely," underestimate the Bootcamp violation counter. Three quick violations during a learning period for a new strategy puts the trader within two slip-ups of termination. The program rewards rigorous pre-trade stop-loss discipline; it punishes "let's see how this trade develops" position management.

The progression mechanics: Each step is run on a sub-account ($5K, $10K, $15K respectively), with a 6% profit target and 5% max loss per step. Reaching the target without breaching the max loss progresses to the next step. After Step 3, the account moves to the chosen funded starting size with the funded rule book (5% profit target, 4% max loss, 3% daily pause). Total fee path is $22 (Step 1) plus $50 (funded activation) = $72 to a funded account at any of the three starting sizes.

For a deep dive on the violation counter and stop-loss mechanics, see the The 5%ers stop-loss policy guide.

Futures rules: Basecamp, Rebate, Black Arrow, 30% per-position rule

The Futures track is a structurally separate product from the CFD programs. It launched in beta in February 2026, runs on the Black Arrow platform (not MT5 or cTrader), and uses a different rule logic optimized for exchange-traded futures rather than CFD instruments.

This is the program track I personally trade. I've passed multiple 5%ers Futures evaluations and pulled $9,000 in payouts over the last three months on the Basecamp side. The rule book below is what I navigate every session.

Futures Basecamp + Rebate rule summary as of May 2026:

The 3% EOD max loss is structurally different from the CFD daily loss limits. It is calculated only at session close, not intraday. Open-position drawdown that recovers before close does not breach the rule. This is meaningfully more forgiving than intraday-trailing drawdowns at competitor futures firms (Apex, Topstep) on the same nominal percentage, because intraday volatility does not break the account.

The 30% per-position consistency rule. No single position may generate more than 30% of total profits across the cycle. Spread profits across multiple setups, take partial profits to reduce reliance on a single oversized winner, and the rule does not bite. In practice, the 30% cap is straightforward to manage with a position-sizing plan that targets consistent dollar profit per setup rather than maximum profit per setup.

Contract limits as the position-size cap. Rather than a leverage ratio, the Futures track caps position size by contract count: 2 mini contracts plus 20 micro contracts at any one time during evaluation and funded. Overnight holding is allowed up to 1 mini or 10 micro (not both, and not the full daytime cap). Weekend holding is not permitted at all. Every position must close at least 10 minutes before market close.

Basecamp vs Rebate. Basecamp is the standard commission structure. Rebate returns up to 100% of commissions daily and is designed for high-volume traders whose round-trip cost on Basecamp would be the bottleneck. Choose based on average daily round-trip count: if you're scalping high-frequency, Rebate makes sense; if you're holding for hours and taking three to ten trades a day, Basecamp is fine.

For the Futures track account details, see the The 5%ers Futures Basecamp + Rebate guide.

Universal rules across all 5%ers programs

A short list of rules applies regardless of which program you trade.

30-day inactivity rule

Any 5%ers account (CFD or Futures) with 30 consecutive days of zero trading activity is closed automatically. The trader cannot reactivate. The only path forward is to purchase a new evaluation. Active monthly trading at any size keeps the account compliant.

Bracket strategies banned

Bracket strategies around high-impact news events are banned across every program. A bracket strategy in this context refers to a paired buy-stop and sell-stop straddling current price ahead of a scheduled release (CPI, NFP, FOMC, ECB rate decisions), with the goal of being filled on whichever side breaks first regardless of directional thesis. The firm treats this as a non-edge strategy that exploits release volatility rather than a tradeable directional view.

Copy trading and account coordination prohibited

Copy trading between traders is grounds for account termination across all programs. Coordinated trading where two or more accounts execute the same strategy is treated as a violation. This applies whether the coordination is between separate traders or between accounts owned by the same trader. Copy trading among your own accounts is also outside the standard operating envelope and is generally not permitted.

EAs and prohibited strategy types

Expert Advisors are permitted in principle on the CFD programs, but a strict list of strategy types is banned regardless of execution method: tick scalping, high-frequency trading, latency arbitrage, hedge arbitrage, reverse arbitrage, and emulator-based EAs. The Futures track on Black Arrow follows the same banned-strategy list. Signal-service trading and third-party copying are prohibited.

Video-interview verification right

The firm reserves the right to request a video-verification interview before approving any payout. The trader must schedule the interview within five business days of the request. Failure to schedule within that window results in payout denial and account termination. The right is exercised selectively, typically when the firm wants to verify trade rationale around the bulk-trading and coordination policies. Most traders never face an interview request across multiple payout cycles.

For the universal banned-strategy list and the bracket-strategy ban detail, see the The 5%ers banned strategies guide. For the news trading window mechanics, see the The 5%ers news trading rules guide.

How rule violations are enforced

The 5%ers' enforcement model varies by violation type.

Hard breach (account termination):

• Maximum drawdown breach (6% Hyper Growth / Pro Growth, 10% High Stakes, staged Bootcamp, 3% EOD Futures)
• Daily loss terminate breach (Pro Growth 3%, High Stakes 5% both phases)
• Bootcamp visible stop-loss violation count reaching 5
• Confirmed banned-strategy execution (HFT, latency arb, copy trading)
• Failure to schedule video-verification interview within 5 business days

Soft breach (session-only impact):

• Hyper Growth 3% daily loss pause (account paused, resumes next server reset)
• Bootcamp funded 3% daily pause

Payout impact (not breach):

• Pro Growth and High Stakes minimum profitable days not yet met (payout deferred until the 3-day minimum is satisfied)
• 30-day inactivity approaching threshold (warning before close)

Account-level prohibitions:

• Bootcamp two-account requirement of different trading methods (each Bootcamp account must use a distinguishable strategy)
• Multi-account hedging (long instrument X in account A, short instrument X in account B is treated as coordination)

For program-specific account stacking rules, see the The 5%ers account types overview.

The bottom line

The 5%ers' rule book is the firm's biggest hidden complexity. Six programs, six rule sets, with the same numerical thresholds carrying opposite consequences (3% daily pause on Hyper Growth, 3% daily terminate on Pro Growth) and the same product class running on completely different logic (CFD intraday daily loss vs Futures EOD-only max loss). Picking the right program before purchase is more impactful than improving execution skill on the wrong one.

For traders who hold through intraday volatility on a clean directional thesis: Hyper Growth's 3% daily pause and 6% max drawdown is the most forgiving entry point in the lineup. For traders willing to pay an entry fee for a higher starting split and a stricter rule book: Pro Growth's 75/25 starting split with the 3% terminate and 3-day minimum is the right trade. For traders who want maximum leverage and don't mind the 5% daily terminate: High Stakes at 1:100 with the $4K-$10K fixed top-tier payouts is the leverage-maximizer. For traders who run rigorous pre-trade stop-loss discipline: Bootcamp's mandatory-visible-SL rule with the 5-violation counter is the cheapest path to a $20K, $100K, or $250K funded account at $72 total. For traders who want exchange-traded futures with the EOD-only drawdown structure and the 30% per-position consistency rule: the Futures track on Black Arrow is the only program in the lineup, and based on multiple bi-weekly withdrawals over three months on my own account, the funded experience has been clean.

Match the rules to your trading style, respect the program-specific consequences of each numerical threshold, and The 5%ers' multi-program structure becomes a feature rather than a complexity tax. Get the program selection wrong, and the same numbers will fail you for reasons that have nothing to do with your edge.

Frequently Asked Questions

What rules apply across all The 5%ers programs?

A handful of rules apply to every The 5%ers program regardless of track. Bracket strategies around high-impact news are banned across all CFD programs and the Futures track. Copy trading and account coordination between traders is prohibited and grounds for termination. Expert Advisors are permitted in principle but tick scalping, latency arbitrage, hedge arbitrage, reverse arbitrage, and emulator-based EAs are banned. Any account with 30 consecutive days of no trading activity is closed automatically. The firm reserves the right to request a video-verification interview before approving payouts; failure to schedule within five business days results in payout denial and account termination.

Does The 5%ers daily loss limit terminate the account?

It depends on the program. On Hyper Growth, the 3% daily loss is a pause rule, not a termination rule. Trading is paused until the next server reset, then resumes normally. On Pro Growth (introduced in 2026), the same 3% threshold terminates the account. On High Stakes, the daily loss limit is 5% and terminates the account on both phases. On Bootcamp, the funded stage carries a 3% daily pause similar to Hyper Growth. The Futures track on Black Arrow does not use a separate daily loss limit; it uses a 3% end-of-day max loss instead.

What is the maximum drawdown on The 5%ers accounts?

Maximum drawdown varies by program. Hyper Growth and Pro Growth use 6% below the initial account balance, terminating the account on breach. High Stakes uses 10% from initial balance, terminating on breach. Bootcamp uses staged limits of 5% per evaluation step and 4% on the funded stage. The Futures track uses a 3% end-of-day max loss on both the evaluation phase and the funded stage, calculated on session close rather than on intraday equity swings.

Does The 5%ers require minimum trading days?

Pro Growth and High Stakes require three minimum profitable days, where each qualifying day must show at least 0.5% profit on closed positions. Hyper Growth has no minimum trading days requirement. Bootcamp does not specify a fixed minimum trading days count; progression is governed by the staged profit-target system. The Futures track does not publish a minimum trading days requirement on the Basecamp and Rebate pages.

Can I trade news on The 5%ers?

Holding existing positions through news events is allowed across all The 5%ers programs. What is restricted varies. On High Stakes and Pro Growth, traders cannot place new orders within two minutes before or after high-impact news events. On Hyper Growth and Bootcamp, news trading is allowed in principle, but bracket strategies (placing simultaneous buy-stop and sell-stop orders straddling price ahead of releases) are banned across every program. The Futures track allows news trading without a stated pre-news window restriction.

What is The 5%ers Bootcamp stop-loss rule?

The Bootcamp program requires a visible stop-loss on every open position, with no single position permitted to risk more than 2% of the account balance. Opening a position without a stop-loss attached, or attaching a stop-loss that exposes more than 2% of the account, each count as one violation. Five violations across the account history result in automatic termination. Stop-losses must be visible in the trading platform, not held mentally or via stealth mode at the broker level.

What is The 5%ers Futures 30% consistency rule?

On the Futures track (Basecamp and Rebate), no single position may generate more than 30% of total profits across the account cycle. The rule applies during the evaluation phase and the funded stage. The intent is to prevent a single oversized winner from carrying the entire performance record. Traders manage this by spreading profits across multiple setups and position sizes rather than concentrating on a single trade. In practice, sizing positions consistently and taking partial profits keeps the ratio comfortably below the 30% cap.

How many positions can I hold on The 5%ers Futures?

The Futures track caps contract count at 2 mini contracts plus 20 micro contracts during both the evaluation phase and the funded stage. Overnight holding is permitted up to 1 mini contract or 10 micro contracts. Weekend holding is not permitted on the Futures track. All positions must be closed at least 10 minutes before market close on each session.

Are EAs and bots allowed on The 5%ers?

Expert Advisors and automated trading are permitted in principle on the CFD programs, but a strict list of strategy types is banned regardless of how the trades are executed. Tick scalping, high-frequency trading, latency arbitrage, hedge arbitrage, reverse arbitrage, and emulator-based EAs are all prohibited. The Futures track on Black Arrow follows the same banned-strategy list. Copy trading between traders, signal-service trading, and account coordination are prohibited across every program and are grounds for termination.

What is the difference between Hyper Growth and Pro Growth at The 5%ers?

Both are 1-step CFD programs with the same $5K, $10K, and $20K account sizes and a 10% profit target. The differences sit in the daily loss rule, the minimum profitable days, the starting profit split, and the scaling cap. Hyper Growth uses a 3% daily pause (does not terminate), no minimum profitable days, a 50/50 starting split, and scales up to $4 million. Pro Growth uses a 3% daily terminate, three minimum profitable days, a 75/25 starting split, and scales to $500,000. Pro Growth is the stricter, faster-payout-tier variant; Hyper Growth is the more forgiving long-runway variant.

What is the High Stakes program at The 5%ers?

High Stakes is The 5%ers' 2-step CFD evaluation across six account sizes from $2.5K to $100K. The structure requires a 10% profit target on Step 1, a 5% profit target on Step 2, and 10% per scaling tier on funded. Daily loss is 5% (terminate, both phases), max drawdown is 10% from initial balance, and minimum profitable days is three per phase. Leverage is 1:100 (highest in the program lineup). Funded stage starts at an 80/20 profit split, scaling to 85/15 at $175K balance, 90/10 at $250K, and 100% at $350K, with fixed cash payouts of $4K to $10K at the top scaling tiers.

How does The 5%ers Bootcamp progression work?

Bootcamp is a 3-step evaluation program with starting account sizes of $20K, $100K, or $250K. Each step uses an internal $5K, $10K, then $15K simulated account, with a 6% profit target and 5% max loss per step. After Step 3, the account moves to the funded stage at the chosen starting size, with a 5% profit target, 4% max loss, and 3% daily pause. Total cost to funded is $72 ($22 for Step 1 plus $50 funded activation). The mandatory visible-stop-loss rule and 2% risk cap apply throughout.

What is The 5%ers Futures track and which platform does it use?

The Futures track is a separate program from the four CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp). It launched in beta in February 2026 and runs on the Black Arrow platform rather than MT5 or cTrader. Two versions are available: Basecamp (standard commission) and Rebate (returns up to 100% of commissions daily for high-volume traders). Account sizes are $25K and $50K, with a 6% evaluation profit target and 4% funded profit target. Activation fees are $50 for evaluation and $70 to move to funded.

Does The 5%ers allow weekend holding?

Weekend holding is allowed on the CFD programs (Hyper Growth, Pro Growth, High Stakes, Bootcamp) but indices carry high overnight and weekend swap costs. The Futures track on Black Arrow does not permit weekend holding. All positions must be closed before the weekend on the Futures track, and during weekday sessions, Futures positions must close at least 10 minutes before market close.

What happens if I do not trade for 30 days at The 5%ers?

Any The 5%ers account (CFD or Futures) with 30 consecutive days of no trading activity is closed automatically. This is the universal inactivity rule across every program. The trader cannot recover the account; the only path forward is to purchase a new evaluation. Active monthly trading even at small position sizes is enough to keep the account compliant with the inactivity rule.

What is The 5%ers video-interview verification?

The 5%ers reserves the right to request a video-verification interview before approving any payout. The trader must schedule the interview within five business days of the request. Failure to schedule within that window results in payout denial and account termination. The interview is used to confirm trader identity and trading methodology consistency. Most traders never face an interview request; the right is exercised selectively, typically when the firm wants to verify trade rationale around the bulk-trading or coordination policies.

Can I have multiple The 5%ers accounts?

Yes, with program-specific caps. Hyper Growth allows a maximum of $40,000 in total funded allocation across accounts. Pro Growth allows one account per size tier (one $5K, one $10K, one $20K). High Stakes permits one $2.5K, one $5K, one at $10K or $25K, and one at $50K or $100K. Bootcamp permits one $250K, one $100K, and two $20K accounts, with each account required to use a different trading method. The Futures track does not publish a public account-stacking cap on the Basecamp and Rebate pages.

Are bracket strategies banned at The 5%ers?

Yes, bracket strategies around high-impact news events are banned across every The 5%ers program: Hyper Growth, Pro Growth, High Stakes, Bootcamp, and the Futures track. A bracket strategy in this context refers to placing a buy-stop and a sell-stop straddling current price ahead of a scheduled high-impact release, with the goal of being filled on whichever side breaks first regardless of direction. The firm treats this as a non-edge strategy that exploits release volatility rather than a directional thesis.

What leverage does The 5%ers offer?

Leverage varies by program. Pro Growth uses 1:30 on forex, 1:25 on indices and metals, 1:1.5 on commodities, and 1:0.60 on crypto. Hyper Growth uses similar 1:30 leverage on most CFD instruments. Bootcamp uses 1:30 across all instruments. High Stakes is the highest-leverage program at 1:100. The Futures track does not use a stated leverage ratio in the same sense; position size is controlled by the contract caps (2 mini, 20 micro) rather than a leverage multiplier.

How is the Futures track different from the CFD programs at The 5%ers?

The Futures track is a structurally different product. It runs on the Black Arrow platform rather than MT5 or cTrader, uses exchange-traded futures contracts instead of CFDs, applies a 30% per-position consistency rule that the CFD programs do not enforce, uses a 3% end-of-day max loss instead of the CFD-style daily loss limits, and caps position size by contract count (2 mini / 20 micro) rather than by leverage ratio. Weekend holding is banned on Futures but allowed on CFD. Crypto is not available on Futures (it is available on Hyper Growth, Pro Growth, and High Stakes).