RaiseMyFunds Review 2026: the FSCA-regulated instant funding prop firm
RaiseMyFunds is an FSCA regulated prop firm based in Johannesburg, South Africa, offering an Instant Funding model with no challenge. Accounts range from $50,000 to $400,000 with a 70 to 85% profit split. No daily drawdown, no consistency rule, overnight and news trading allowed. It is the prop firm we recommend first for experienced traders seeking immediate access to capital without prior evaluation.
What is RaiseMyFunds?
RaiseMyFunds is a prop firm founded in February 2023, based in Johannesburg, South Africa. It operates under FSCA licence, making it one of the few prop firms in the world regulated by an official financial authority. This regulation provides a guarantee of credibility and transparency that the vast majority of competing prop firms cannot offer.
The core feature of RaiseMyFunds is its Instant Funding model: the trader does not need to pass any challenge or evaluation to access a funded account. They choose the desired account size, complete a 20-minute qualification call with a trading specialist, then immediately gain access to their account on MT5.
Since May 2026, RaiseMyFunds has discontinued its two-step model to focus exclusively on Instant Funding, radically simplifying its offering.
Trading conditions in detail
| Parameter | Details |
|---|---|
| Regulation | FSCA licence |
| Model | Instant Funding (no challenge) |
| Account sizes | $50,000 / $100,000 / $200,000 / $400,000 |
| Profit split | 70% to 85% based on account size ($50K = 70%, $100K = 75%, $200K = 80%, $400K = 85%) |
| Daily drawdown | None |
| Overall drawdown | Fixed (set at account opening) |
| Profit target | None |
| Consistency rule | None |
| Overnight trading | Allowed |
| News trading | Allowed |
| Expert Advisors (EA) | Allowed |
| Platform | MT5 |
| Accounts per trader | 1 account |
| KYC | At first withdrawal only |
| Headquarters | Johannesburg, South Africa |
Pros and cons
- Official FSCA regulation, one of the few regulated prop firms worldwide
- Instant Funding with no challenge or prior evaluation
- No daily drawdown, no consistency rule
- Profit split from 70% to 85% based on account size
- Overnight trading, news trading and EAs allowed without restriction
- Accounts up to $400,000, the highest on the instant funding market
- KYC only at withdrawal, not at account opening
- Only one account per trader allowed
- Mandatory qualification call required, no direct online purchase
- Instant Funding only, no challenge model available
- Relatively new prop firm (founded in 2023)
- RaiseMyFunds is the leading Instant Funding prop firm with no challenge and no restrictive trading rules, with FSCA regulation as an additional trust advantage in 2026
- Accounts from $50K to $400K, profit split 70-85% depending on account size
- No daily drawdown, no consistency rule, news trading allowed
- FSCA license n°50506, based in Johannesburg, South Africa
Our scores by criteria
How does RaiseMyFunds Instant Funding work?
The process to access a RaiseMyFunds account is structured in three simple steps.
1. Choose your account size
RaiseMyFunds offers four account sizes: $50,000, $100,000, $200,000 and $400,000. The trader chooses the size suited to their experience level and trading goals.
2. The qualification call
Unlike traditional prop firms that allow direct online purchase, RaiseMyFunds requires a 20-minute call with a trading specialist. This call validates the trader's profile, defines the drawdown conditions, and explains the payment terms. Available add-ons (Margin Boost, Dynamic Reset) are also presented during this call.
3. MT5 account access
Once the call is validated, the trader receives their MT5 credentials and can start trading immediately. KYC (identity verification) is only required at the time of the first profit withdrawal.
Who is RaiseMyFunds for?
RaiseMyFunds is particularly suited to two trader profiles.
The experienced trader with a proven strategy who wants immediate access to significant capital without spending weeks on an artificial challenge. Account sizes up to $400,000 and the absence of restrictive rules (no daily drawdown, no consistency rule) allow them to trade exactly as they would with their own capital.
The capital-limited trader who has a real trading edge but cannot afford to risk their own money on large accounts. RaiseMyFunds gives them access to capital they could never have mobilized on their own, with a profit split up to 85%.
However, RaiseMyFunds is not suited for beginner traders looking to learn trading, nor for those who prefer a challenge model to validate their strategy before accessing capital.
RaiseMyFunds vs the competition
| Criteria | RaiseMyFunds | FTMO | uFunded |
|---|---|---|---|
| Regulation | FSCA ✓ | Unregulated | Unregulated |
| Model | Instant Funding | 2-step challenge | Instant Funding |
| Max account | $400,000 | $200,000 | $360,000 |
| Max profit split | 85% | 90% | 85% |
| Daily drawdown | None | 5% | None (static) |
| News trading | Allowed | Restricted | Allowed |
Final verdict
The best FSCA regulated instant funding prop firm in 2026
RaiseMyFunds is our top recommendation for experienced traders seeking immediate access to significant capital. FSCA regulation, the absence of daily drawdown and consistency rules, and accounts up to $400,000 make it a unique offering on the prop firm market. The only point to note is the mandatory qualification call, which replaces direct online purchase but allows for personalized conditions.
Access RaiseMyFunds →Sources & Methodology
This review is based on real testing by our analyst team, official website consultation, terms and conditions analysis, regulatory status verification with relevant authorities, and user reviews from Trustpilot and specialized forums. Our complete methodology is detailed on our methodology page. Last verified: May 2026.