RaiseMyFunds vs uFunded 2026: complete comparison, which prop firm to choose?
Quick answer
As of May 2026, RaiseMyFunds wins this comparison on all essential criteria. It is FSCA-regulated (licence n°50506) unlike uFunded which has no official regulation. RaiseMyFunds offers accounts up to $400,000 (vs $200,000 at uFunded), no daily drawdown, no consistency rule and news trading allowed without restriction.
RaiseMyFunds
Instant Funding · FSCA regulated
4.7
Our rating
Our pick
VS
uFunded
1-step challenge · Unregulated
4.4
Our rating
Full comparison table
| Criteria | RaiseMyFunds | uFunded |
|---|---|---|
| Regulation | FSCA ✓ | None |
| Access model | Instant Funding | 1-step challenge |
| Time to capital | Immediate | A few days |
| Maximum account | $400,000 | $200,000 |
| Profit split | 70% → 85% | up to 85% |
| Daily drawdown | None | Variable |
| Consistency rule | None | Variable |
| News trading | Allowed | Allowed |
| Overnight trading | Allowed | Allowed |
| EAs / Robots | Allowed | Allowed |
| Platform | MT5 | MT5 |
| Headquarters | Johannesburg, South Africa | International |
Criterion-by-criterion analysis
Criterion 01
Regulation
RaiseMyFunds is FSCA regulated. uFunded has no official regulation. This is the most important advantage for trader protection.
✓ Advantage RaiseMyFunds
Criterion 02
Account size
RaiseMyFunds offers accounts up to $400,000, twice the maximum at uFunded ($200,000). A decisive advantage for scaling.
✓ Advantage RaiseMyFunds
Criterion 03
Drawdown
RaiseMyFunds: no daily drawdown, no consistency rule. uFunded imposes variable rules depending on the account.
✓ Advantage RaiseMyFunds
Criterion 04
Capital access
RaiseMyFunds: Instant Funding, immediate access after a qualification call. uFunded: 1-step challenge required before accessing capital.
✓ Advantage RaiseMyFunds
Criterion 05
Profit split
Both offer up to 85% profit split. At RaiseMyFunds, the profit split ranges from 70% to 85% depending on account size chosen.
→ Tie
Criterion 06
Trading freedom
Both allow news trading, overnight and EAs. RaiseMyFunds stands out with the complete absence of a consistency rule.
✓ Advantage RaiseMyFunds
Who should choose RaiseMyFunds vs uFunded?
Choose RaiseMyFunds if...
RaiseMyFunds
- You want immediate capital access without a challenge
- You are looking for a prop firm regulated by an official authority
- You want an account larger than $200,000
- The daily drawdown feels restrictive for your trading style
- You are an experienced trader with a proven strategy
Choose uFunded if...
uFunded
- You prefer to pass a quick 1-step challenge
- You don't need an account larger than $200,000
- Official regulation is not a priority criterion for you
Final verdict
Our verdict
RaiseMyFunds wins on 5 out of 6 criteria analyzed
RaiseMyFunds is superior to uFunded on the criteria that truly matter: official FSCA regulation, accounts up to $400,000, complete absence of daily drawdown and immediate capital access. uFunded offers no differentiating advantage over RaiseMyFunds. For an experienced trader, the choice is clear.
Visit RaiseMyFunds →Frequently asked questions
RaiseMyFunds is clearly superior to uFunded in 2026. It is FSCA regulated , offers accounts up to $400,000, no daily drawdown and no consistency rule. uFunded is not regulated and caps at $200,000.
Yes. RaiseMyFunds is regulated by the FSCA (licence n°50506) under licence. uFunded is not regulated by any official financial authority, which is a major disadvantage in terms of trader protection.
RaiseMyFunds offers accounts up to $400,000, twice the maximum at uFunded which caps at $200,000.
No. RaiseMyFunds has no daily drawdown, offering maximum trading freedom. uFunded imposes variable drawdown rules depending on the account.
Yes. RaiseMyFunds allows news trading, overnight trading and EAs without any restrictions.