How It Works — Polar Funded

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1. TAKE A CHALLENGE

Choose your account size, pay the one-time fee, and start trading the simulated account against your objectives.

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2. ACCESS CAPITAL

Pass evaluation, get your Polar Funded account, and receive your challenge fee back with your first payout.

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3. TRADE TO GET PAID

Earn up to 90% of profits. Request payouts fast. Scale your account toward $400,000 with consistent performance.

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CHOOSE & PURCHASE YOUR CHALLENGE

Start by selecting your challenge type and account size on the Challenges page. We offer four types designed to fit every trader's preference and risk tolerance.

Instant Funding — No evaluation. Start trading funded capital immediately. Perfect for experienced traders.

1-Step Challenge — One phase, one profit target. Hit 10% and get funded. Fastest evaluation path.

2-Step Challenge — Two phases with lower targets (8% + 5%). Most popular path to funding.

3-Step Challenge — Three phases, 5% each. Lowest entry cost. Best for newer traders.

Account Sizes

$5K – $200K

Challenge Fee

100% Refundable

Time Limit

None

Min. Trading Days

4 Days

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TRADE THE EVALUATION

Once your account is activated, trade on your MT4 or MT5 platform as you normally would. Hit the profit target while staying within the drawdown rules.

Trade any forex pair, index, commodity, or crypto available on your platform

Use your own strategies — no restrictions on trading style or approach

Expert Advisors (EAs), bots, and copy trading are permitted on all accounts

Hold trades overnight and over the weekend (except Instant Funding accounts)

News trading is fully allowed on all account types

No minimum lot size — trade the way you want

Daily Drawdown

From Highest Equity

Max Drawdown

From Starting Balance

EAs / Bots

✓ Allowed

News Trading

✓ Allowed

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PASS & GET FUNDED

Once you hit your profit target without breaching any rules, you'll receive your funded account credentials within one business day. Your challenge fee is credited back with your first payout.

Account credentials delivered to your email within 24 hours of passing

Challenge fee refunded with your first payout disbursement

Begin trading your funded account immediately with no restrictions

Profit split begins at 80% and scales up to 90% based on consistency

Onboarding Time

Under 24 Hours

Fee Refund

With First Payout

Starting Split

80%

Max Split

90%

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REQUEST PAYOUTS & SCALE

Trade your funded account and request payouts on a weekly basis. Demonstrate consistency and unlock scaling toward $400,000 in capital.

Request payouts up to once per week on funded accounts

Payout processed within 24 hours of request on business days

Available payout methods: bank transfer, USDT/crypto, or Deel

Scaling plan activated after consistent profitability milestones

Maximum scaling cap of $400,000 across all accounts

Payout Frequency

Weekly

Processing Time

Under 24 Hours

Methods

Bank/Crypto/Deel

Max Capital

$400,000

Rules Explained

UNDERSTANDING DRAWDOWN

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DAILY DRAWDOWN

Your maximum loss allowance within a single trading day. Calculated from the highest equity point reached during that day — not from your account balance at open.

Example: On a $100K account with 5% daily DD: If your equity peaks at $103,000 during the day, your floor for that day is $97,850 ($103,000 × 5% = $5,150 max loss).

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MAXIMUM DRAWDOWN

The total loss allowance across the entire lifetime of your account. Measured from your starting account balance, this is your overall risk floor.

Example: On a $100K account with 10% max DD: Your account balance must never fall below $90,000 at any point across the entire account lifetime.

FROM PURCHASE TO FUNDED TRADER