Last verified: August 26, 2026. The5ers is a proprietary trading firm that funds traders on simulated capital and shares profits on live performance. What sets it apart from most of the field is breadth and depth: it runs five distinct programs — High Stakes (2-step evaluation), ProGrowth (1-step), Hyper Growth (instant funding), Bootcamp (3-step), and a separate Futures program — and its scaling ladder runs further than almost anyone else’s, all the way to a 100% profit split plus a fixed monthly salary at the top. Every rule value below comes from The5ers’ own program pages and help-center articles, verified on the date above. Where the firm’s own documents contradict each other, we say so rather than pick a side.
The5ers suits the long-horizon, compounding trader more than the trader who wants fast, frequent cash-outs. Its standout feature is genuine deep scaling: a High Stakes account that keeps hitting targets grows in roughly 10% steps up to $500,000, and once it reaches the $350K–$450K band the split becomes 100/0 plus a fixed $4,000 per month, rising to $10,000 per month at the $500K level. That salary-on-top structure is rare in this industry. The instant-funding route (Hyper Growth) is the other draw — you trade live capital from day one with no evaluation.
The biggest catch is payout friction: withdrawals start only 14 days after funding, run on a bi-weekly cycle, have a $150 minimum, and carry a 3.5% withdrawal commission on cash methods plus up to 3 business days of processing. There is also a strict “profitable day” definition — a day only counts if closed positions net at least 0.5% of the initial balance — so minimum-trading-day requirements are harder to satisfy than they first look. US traders appear to be accepted, but only by omission (see below), which is a caveat, not a guarantee.
“Boost Your Summer” plan — booster rewards on purchase.
Start with The5ers →Programs at a glance
| Rule | High Stakes (2-step) | ProGrowth (1-step) | Hyper Growth (instant) | Bootcamp (3-step) |
|---|---|---|---|---|
| Profit target(s) | 10% / 5% (New) | 10% | 10% per milestone | 6% ×3, then 5% funded |
| Daily loss limit | 5% | 3%* | 3% pause | None eval / 3% pause funded |
| Max total drawdown | 10% static | 6% static | 6% static | 5% eval / 4% funded |
| Min profitable days | 3 per step | 3 | None (level 1) | UNVERIFIED |
| Leverage | 1:100 | 1:30 | 1:30 | 1:30 |
| Profit split | 80/20 → up to 100% + salary | 75/25 → up to 100% | 50/50 → up to 100% | 50/50 → up to 100% |
| Max scaling | $500,000 | $500,000 | up to $4,000,000 | up to $4,000,000 |
Pricing (one-time fee, USD)
| Account size | High Stakes (New) | ProGrowth | Hyper Growth |
|---|---|---|---|
| $2,500 | $19 | — | — |
| $5,000 | $35 | $52 | $260 |
| $10,000 | $69 | $98 | $450 |
| $20,000 | — | $189 | $850 |
| $25,000 | $176 | — | — |
| $50,000 | $278 | $329 | — |
| $100,000 | $491 | — | — |
Bootcamp charges a small evaluation fee plus an activation fee only when you reach funding: $22 + $50 for the $20,000 funded tier, $95 + $205 for the $100,000 tier, and $225 + $350 for the $250,000 tier. The Futures program is a one-time fee with no monthly and no activation cost — the Day Trade plan runs $59 (25K), $100 (50K), $170 (100K) and $199 (150K); the Swing plan is $120 (25K) and $240 (50K) — and the fee is refunded on your third payout.
Worked example: the scaling-and-salary ladder
The clearest way to see what makes The5ers different is to follow a High Stakes account up the ladder. You start funded at an 80/20 split. Each time you make a 10% return with at least 3 profitable days, the account scales up roughly 10%. As it climbs, the split improves in bands:
| Account level | Profit split | Fixed monthly payout |
|---|---|---|
| Up to $150K | 80/20 | — |
| $175K – $200K | 85/15 | — |
| $250K – $300K | 90/10 | — |
| $350K – $450K | 100/0 | $4,000 / month |
| $500K (max) | 100/0 | $10,000 / month |
The fee side has its own quirk worth understanding. Your one-time fee is refunded in pieces, not in one lump: you get 10% back as hub credit when you pass Phase 1, 20% as hub credit when you pass Phase 2, and the remaining 70% added to your account equity at the funded stage — that 70% is withdrawable with your first payout. Note that hub credits themselves are non-withdrawable; they offset the cost of future accounts rather than paying out as cash.
How the drawdown works
On High Stakes, two limits apply. The maximum total drawdown is 10%, static and absolute — measured from your initial balance, so the loss floor never moves. The maximum daily loss is 5%, and this one is dynamic: it is calculated as 5% of the higher of the prior day’s closing balance or closing equity, and it resets at 00:00 MT5 server time (GMT+2 winter / GMT+3 summer). In the firm’s wording, reaching either limit terminates the account.
The instant-funding and 1-step programs are tighter. Both Hyper Growth and ProGrowth cap total drawdown at 6% static from the initial account size — on a $10,000 Hyper Growth account, that is a stop-out below $9,400 in equity. Their daily limits are set at 3%. On Hyper Growth the daily 3% is explicitly a pause that only disables the account for the rest of that day, not a termination — you resume the next day at 00:00 server time. ProGrowth’s 3% daily is where the firm’s docs disagree (see discrepancies below).
Funded phase and payouts
The5ers runs a single CFD payout framework across its funded accounts. Your first withdrawal is available 14 days after the funded account is activated, and thereafter every 2 weeks from your last approved withdrawal — note that scaling to a new account resets that timer. The minimum payout is $150 after the profit split. Processing takes up to 3 business days.
Fees depend on method. Rise, crypto (USDT TRC20, USDC ERC20, ETH, LTC) and bank transfer all carry a 3.5% withdrawal commission (bank transfer adds bank fees on top; crypto has a $1,500 per-withdrawal limit). The only fee-free option is taking value as hub credits, which are non-withdrawable and apply toward future accounts. That 3.5% cut on real cash-outs is the single biggest ongoing cost to weigh against the generous scaling.
Who The5ers suits, and who should look elsewhere
It fits you if you trade a patient, compounding style and want the account to grow rather than to extract cash every week. The scaling-to-salary path rewards traders who can string together 10% milestones over months; the $4,000–$10,000 fixed monthly payout at the top is real money layered on top of a 100% split. It also fits traders who want to skip evaluations entirely — Hyper Growth funds you from day one — and those who value the low entry cost on High Stakes (from $19).
Look elsewhere if you need frequent, low-friction withdrawals: the 14-day wait, bi-weekly cycle, $150 minimum, 3.5% commission and 5–8 day processing add up. The strict 0.5%-of-balance “profitable day” bar can also stall traders who scalp small. And if you are a US-based trader, be aware that The5ers does not list the US as restricted but never explicitly states it accepts US clients — this is acceptance-by-omission, an inference, not a firm commitment. Confirm directly before paying.
Distinctive deep-dive
The scaling-to-salary structure
Most funded programs top out at a profit split and a capital ceiling. The5ers goes further on High Stakes by converting sustained performance into a fixed monthly salary layered on a 100% split. Reaching the $350K–$450K band earns 100/0 plus $4,000/month; hitting the $500K maximum earns 100/0 plus $10,000/month. The mechanism is milestone-driven — a 10% gain with 3 profitable days moves you up a level — so it rewards consistency over a long horizon rather than a single big month. The other programs scale even higher in nominal capital (Hyper Growth and Bootcamp both reference paths toward roughly $4,000,000) but it is the High Stakes salary component that is genuinely unusual in the industry.
Discrepancies we’re tracking in their own docs
Because this page’s value is accuracy, we flag the places where The5ers’ own materials disagree, rather than papering over them. We re-check these weekly and treat them as unconfirmed until resolved:
- ProGrowth daily loss — pause vs termination: the program page labels the 3% daily limit a “daily pause,” while the help-center article states that reaching it terminates the account. These carry very different consequences; we do not yet know which governs.
- Futures consistency rule — 40% vs 30%: the current Futures program page states a 40%-per-position consistency limit, but an older official explainer said 30%. We treat 40% as current and 30% as secondary/outdated.
- ProGrowth $50K tier vs the 3-account limit: the pricing page now shows a $50,000 ProGrowth tier, while the help-center’s “max 3 accounts” article may predate that tier. It is unclear whether the account cap has been updated to match.
Is The5ers legit? What we verified — and what we didn’t
The5ers is a real, operating prop firm, and the terms it advertises matched its own official documentation when we last checked (14 August 2026). But “is The5ers legit” usually bundles two different questions: does the firm operate as advertised, and does it actually pay? The first is verifiable from primary sources, and we verify it on a fixed cadence. The second cannot be promised by any comparison site — including this one. Here is exactly where that line sits.
What we verified ourselves
- Its High Stakes prices by account size and its $150 minimum payout matched its own documentation on 14 August 2026.
- Its US position is documented only by omission: the United States is not on its restricted-countries list, and MT5 is barred for US clients.
- Its program structure (High Stakes, ProGrowth, Hyper Growth, Bootcamp), including scaling toward 500K with a salary component, is published.
What we have not verified
The gaps matter as much as the figures, so we list them:
- We have not personally taken a payout from The5ers.
- The5ers has never published an explicit “we accept US traders” statement that we can find. Acceptance is inferred from the absence of the US on its restricted list — that is a caveat, not a guarantee, and we will not present it as one.
- Its own promotions page is unmaintained: on 14 August 2026 it still listed a 15% Hyper Growth deal as “Active” while stating it was valid until 1 June 2026. Do not treat percentages on that page as current without confirming at checkout.
How to check The5ers’s reputation yourself
Our data tells you what The5ers promises. Trader reports tell you how those promises land in practice — so read both, and read the reports properly:
- Sort by recent, not by rating. Prop-firm terms change fast; a glowing review of a rule set that no longer exists tells you nothing about today.
- Read specific complaints, not the star average. A report naming an account size, a date and a payout amount carries far more information than a one-line rating — in either direction.
- Weight payout-delay reports heaviest. Delays and denials at withdrawal time are the failure mode that actually costs traders money.
- Discount both extremes. Prop firms run incentives for positive reviews, and affiliates of competing firms amplify negative ones. The specific, boring, mid-range reports are usually the honest ones.
- Useful places to look: Trustpilot for volume, and trading communities on Reddit and Discord for detail. We deliberately do not aggregate those into a score of our own — that would just be a number we cannot verify.
Quick answers
Is The5ers better than FTMO?
Neither is better outright — they are structurally different, so the answer depends on which constraints matter to you. The5ers has a much lower entry ticket ($19 for a 2.5K High Stakes account versus FTMO’s cheapest at roughly $99/€89 for 10K) and it scales toward a 500K account with a salary component. FTMO has the longer track record (Prague, since 2015), a larger documented payout infrastructure, and a clear, explicitly stated US route through FTMO US at ftmo.oanda.com. The5ers, by contrast, is accepted-by-omission for US traders — it publishes no explicit US-acceptance statement. If you are a US trader who wants certainty, that difference alone decides it. Compare both line by line in our 10-firm comparison.
Does The5ers run competitions?
The5ers has run weekly and periodic trading competitions alongside its funding programs. We do not publish competition terms here because they rotate and we only carry figures verified against official documentation on a fixed cadence. Check The5ers’ own site for current competitions — and note that we found its promotions page unmaintained on 14 August 2026 (it listed a deal as active while stating it expired on 1 June 2026), so confirm anything it advertises at checkout.
Is The5ers legit?
The5ers is a real, operating prop firm: The5ers’ published prices, payout minimum and program structure matched our checks on 14 August 2026. Two honest caveats: its US acceptance is by omission rather than by statement, and its promotions page is visibly unmaintained. We have not tested a payout ourselves, and our profile states plainly which figures we could not verify.
Does The5ers really pay?
The5ers documents a $150 minimum payout and publishes its program terms including scaling toward a 500K account with a salary component; those matched our checks on 14 August 2026. We have not tested a withdrawal ourselves. Note that its own promotions page is out of date, so verify any advertised discount at checkout.
Is The5ers available to traders in the USA?
Only by inference, and we want to be precise about that. The United States is not on The5ers’ restricted-countries list, and MT5 is barred for US clients — but we can find no explicit statement from The5ers that it accepts US traders. Treat that as accepted-by-omission: a caveat, not a guarantee. Confirm your own eligibility before paying.
Does The5ers accept US traders?
Most likely yes, but only by inference. The United States is not on The5ers’ published restricted-countries list, and its terms now explicitly bar MetaQuotes/MT5 platforms for US residents — so US traders are accepted, just not on MT5 (a platform restriction, not a jurisdiction ban). Minimum age is 18+. Confirm your eligibility with the firm directly before paying.
How does The5ers scaling and salary work?
On High Stakes, each 10% return with at least 3 profitable days scales your account up roughly 10%, up to a $500,000 maximum. The split improves along the way: 80/20 up to $150K, 85/15 at $175K–$200K, 90/10 at $250K–$300K, and 100/0 from $350K–$450K — where a fixed $4,000/month is added — rising to $10,000/month at $500K.
What is The5ers’ drawdown rule?
High Stakes uses a 10% static maximum drawdown (from initial balance) plus a 5% daily loss limit, calculated on the higher of the prior day’s balance or equity and reset at 00:00 MT5 server time. The instant and 1-step programs (Hyper Growth, ProGrowth) are tighter at 6% static total drawdown; Hyper Growth’s 3% daily is a same-day pause, not a termination.
How does The5ers pay out, and what does it cost?
Your first withdrawal is available 14 days after funding, then every 2 weeks, with a $150 minimum after the profit split and up to 3 business days of processing. Rise, crypto and bank transfers all carry a 3.5% withdrawal commission (crypto is capped at $1,500 per withdrawal). Taking value as hub credits is fee-free but non-withdrawable.
What is a “profitable day” on The5ers?
A profitable day is a day on which your closed positions netted at least 0.5% of the initial balance. High Stakes requires 3 such days per step (and 3 for each scaling level). This is a meaningful bar: small green days below the 0.5% threshold do not count toward the requirement.
Sources (official, rel=”nofollow”): High Stakes program, Hyper Growth / ProGrowth, Bootcamp, Futures, Withdrawals help center, Scaling & monthly payout, Eligibility. All rule values verified July 14, 2026 from official pages only; no review sites used.
Full payout detail: withdrawal timings, the 3.5% method fees, the split ladder and the $4,000/$10,000 monthly fixed payouts are on our The5ers payout rules page.