AIFO review 2026: fees, rules and payouts explained
We put AIFO through the same checks as every firm here: published prices, published rules and customer ratings. The result is a score of 4.8, which places it 27 of 28.
What you need to know
AIFO is a Hong Kong prop firm that uses MetaTrader 5 and nothing else. It has four account types: 2-Step, 1-Step, Instant and Sprint, a challenge that lasts only 24 hours. One trader can manage up to $2 million spread across combined accounts.
Where the score comes from
It comes in at 27 of 28 in our overall ranking. This is how the 4.8 adds up:
This firm hasn't been rated on Trustpilot yet, so its score is worked out from profit split, price and trading freedom only.
Upsides and downsides
Pros+
- The 24-hour Sprint challenge, which few firms offer
- Up to $2 million across several accounts
- Weekend holding is allowed
Cons−
- No Trustpilot rating yet
- MetaTrader 5 is the only platform
- Gap trading is banned
Every AIFO program
| Program | Type | Sizes | From | Profit split |
|---|---|---|---|---|
| Instant Direct Access | Instant | 5K–100K | $69 | 70% |
| 2-Step Core | 2-Step | 10K–200K | $79 | 80% |
| 1-Step Fast Track | 1-Step | 10K–200K | $89 | 80% |
| Sprint | Instant | 10K–50K | $149 | 90% |
List prices with no discount code, checked on 14 November 2026. Firms change prices often, so always confirm on their own website before you pay.
Options for a $100,000 account
| Program | Type | Price | Target | Daily loss | Max loss |
|---|---|---|---|---|---|
| 2-Step Core | 2-Step | $449 | 8% / 5% | 5% | 10% |
| 1-Step Fast Track | 1-Step | $489 | 10% | 3% | 6% |
| Instant Direct Access | Instant | $699 | None | 3% | 5% |
What the rules allow
Restricted means you may do it, but only under conditions, such as staying out for a few minutes around big news. The firm's website spells out the details.
Platforms, paying and payouts
Questions people ask
How does the Sprint challenge work?
The clock runs for 24 hours from your first trade. Reach the target in that time and you can withdraw immediately.
How often does AIFO pay?
Funded 1- and 2-Step accounts pay every 14 days. Instant accounts pay on request once the target is reached. The minimum payout is $100.
How much does the AIFO 100K challenge cost?
The cheapest AIFO 100K challenge where you keep at least 80% is 2-Step Core (2-step), priced at $449.
Can someone in Kenya open an account with AIFO?
Yes. Kenya is not on AIFO's list of restricted countries. Firms update these lists from time to time, so check the terms when you sign up.