UK & EU traders

Compare prop firms for UK & EU traders

Compare sourced challenge rules, fees and company versus personal accounts. This is not a ranking.

Tax and company sections cover UK rules only.

Open comparison Open tax guide

Operated by Whitethorn Investments Limited · Facts dated 6 November 2026. Checkout and each firm’s live Terms prevail.

Sourced from official pages We do not rank firms or invent winners Affiliate links disclosed Company vs personal accounts compared
Illustration of a calm desk beside a window, with a simple abstract chart on a monitor and a faint London skyline.

How a prop challenge works

Most firms on this site sell a

A challenge with two stages. You usually need to hit a profit target in each stage, often with a smaller target the second time.

 challenge. You pay a fee, trade in a

A practice-style account that uses fake money. Passing a challenge does not, by itself, mean you have been given live brokerage money.

 with fake money, and try to hit a

How much simulated profit you need to make to pass a step.

 without breaking

The most the account can fall before you fail the challenge. Some firms also set a separate daily loss limit.

. This is a general picture. Each firm’s rules differ.

Last checked: 6 November 2026 (Europe/London).

  1. Pay the fee

    You buy the challenge. If you fail the rules, you can lose this fee in full.

  2. Trade within the rules

    You trade in a simulated account. The money on the screen is not live brokerage money at this stage.

  3. Hit the first target

    You need to reach the first profit target without breaching the

    The most you can lose in one day before you fail the challenge.

     or overall drawdown limits.

  4. Pass the second step

    On a two-step challenge you do it again, often with a smaller target. Some firms also sell

    A challenge with only one stage, rather than two.

     or instant products, with different rules.

  5. Request a payout

    If you pass, you may be able to request a

    A contractual payment a firm may pay if you meet its rules. It is not automatically the same as a return on a regulated investment, and not live brokerage money unless the firm’s reviewed terms clearly say so.

    . The

    The share of a Reward (a payout) you would receive, if the firm pays one. The rest stays with the firm.

     is the share you would receive if the firm pays one.

A “funded” account is often still simulated. A Reward is a contractual payment under the firm’s terms — not the same as a return on a regulated investment, unless the firm’s reviewed terms clearly say so.

Quick picks

Highlight matching sourced facts. This is a starting point, not a ranking — unmatched firms stay visible.

Read more: how these filters work

Without selecting a filter, every firm stays equally visible. “Company accounts” highlights FTMO’s sourced Company KYB path; BrightFunded remains dual-disclosed and not settled. Facts dated 6 November 2026. Checkout and each firm’s live Terms prevail. No firm is marked as a winner.

UK payouts & tax

Firm overviews

Cards are shown in a fixed order, the order in which we added firms to the site. The order is not a ranking and is not affected by commission.

Risk: challenge fees can be lost in full. Most accounts are simulated, and Rewards are not guaranteed. Do not assume FCA, Financial Ombudsman or FSCS protection applies. Read the full risk warning.

FTMO

Ad — Affiliate link disclosed

Czech simulated CFD challenges. Company KYB accepted. Swing 2-Step focus for UK/EU readers.

Company accountYes via Company KYB
Fee for a $100,000 accountAbout £451 list; about £367 promo (FTMO charges €540 list; promo €439 Standard only, not Swing). The pound figures are approximations, not FTMO’s listed prices, using the Bank of England rate for 12 November 2026 (£1 = €1.1961). Rounded to the nearest pound. Your bank or card provider's exchange rate and fees decide what you actually pay in pounds, which may be more. Checkout prevails.
Phase 1 profit target10% of the starting balance.
Phase 2 profit target5% of the starting balance.
Daily loss and maximum loss5% a day and 10% maximum, as a static limit, on the 2-Step.
Read more: FTMO company path and promo limits

Company KYB accepted; trusts/nonprofits excluded. The promo, about £367 (FTMO charges €439), is labelled Standard only and does not apply to Swing. Checkout prevails.

We earn a commission if you buy through this FTMO Global link (attribution only — not a discount). We do not claim your price is unchanged.

Read FTMO overview

Ad — Affiliate link Open FTMO Global

FundedNext

Not currently an affiliate

Stellar 2-Step and related products. Individuals only — company registration not permitted.

Company accountNo — individuals only
Fee for a $100,000 accountAbout £415 (FundedNext charges $549.99). The pound figure is an approximation, not FundedNext’s listed price, using the Bank of England rate for 12 November 2026 (£1 = $1.3238). Rounded to the nearest pound. Your bank or card provider's exchange rate and fees decide what you actually pay in pounds, which may be more. Checkout prevails.
Phase 1 profit target8% of the starting balance.
Phase 2 profit target5% of the starting balance.
Daily loss and maximum loss5% of the starting balance each day, and 10% maximum, as a static limit.
Read more: FundedNext registration

Company registration is not permitted. Accounts are in a personal name, with personal KYC. Checkout prevails.

Read FundedNext overview

Official site — not an affiliate link

The5ers

Independent coverage — not an affiliate

High Stakes programme. Terms §3.6 personal use only; plan-page fees and drawdowns primary.

Company accountNo — personal use only
Fee for a $100,000 accountAbout £344 list; about £306 promo (The5ers’ plan page lists $455 / $405). The pound figures are approximations, not The5ers’ listed prices, using the Bank of England rate for 12 November 2026 (£1 = $1.3238). Rounded to the nearest pound. Your bank or card provider's exchange rate and fees decide what you actually pay in pounds, which may be more. Checkout prevails.
Phase 1 profit target10% on the New High Stakes plan (Classic Step 1 is shown as 8%).
Phase 2 profit target5% on the New High Stakes plan.
Daily loss and maximum lossPlan page, $100,000 tab: 4% a day and 8% maximum. An older FAQ still says 5% and 10%. This conflict is left open.
Read more: The5ers official figure conflicts

Personal use only; personal billing/withdrawal name. Classic Step 1 is shown as 8% then 5% on the plan tab. An older FAQ still shows 5% / 10% daily/max loss and a different fee example. Older FAQ figures differ from the 6 November 2026 plan page. Checkout prevails. No tracked links and no partnership claim. Coverage only.

No tracked links and no partnership claim. Coverage only.

Read The5ers overview

Official site — not an affiliate link

BrightFunded

Not currently an affiliate

2-Step Bright focus. All stages simulated; company eligibility dual-disclosed (FAQ vs Terms).

Company accountUnclear — not settled here
Fee for a $100,000 accountAbout £399 list; about £299 promo (BrightFunded charges €477 list; homepage promo €357.75, still shown on 15 November 2026). The pound figures are approximations, not BrightFunded’s listed prices, using the Bank of England rate for 12 November 2026 (£1 = €1.1961). Rounded to the nearest pound. Your bank or card provider's exchange rate and fees decide what you actually pay in pounds, which may be more. Confirm at checkout.
Phase 1 profit target8% of the starting balance on 2-Step Bright.
Phase 2 profit target5% of the starting balance on 2-Step Bright.
Daily loss and maximum loss4% of the original challenge balance each day ($4,000 on $100,000), measured from the higher of start-of-day equity or balance. Resets between 11:30 PM and 11:59 PM CET. 8% maximum, as a static limit.
Read more: BrightFunded company-eligibility conflict

Not settled here — FAQ allows a company-address path; Terms use personal-use wording. Confirm at checkout.

Read BrightFunded overview

Official site — not an affiliate link

Goat Funded Trader

Not currently an affiliate

2 Step Promo 100k at about £75 (Goat Funded Trader charges $99) — not a conventional full-rules 2-step.

Company accountNot confirmed — payouts must go to an account in your own name
Product note2-Step Standard no longer available for new purchases
Published feeAbout £75 (Goat Funded Trader charges $99) for 2 Step Promo 100k — not comparable with a conventional 5%/10% $100k 2-step. The pound figure is an approximation, not the firm’s listed price, using the Bank of England rate for 12 November 2026 (£1 = $1.3238). Rounded to the nearest pound. Your bank or card provider's exchange rate and fees decide what you actually pay in pounds, which may be more. Checkout prevails.
Phase 1 profit target10% profit target in Step 1 of the Promo.
Phase 2 profit target5% profit target in Step 2 of the Promo.
Daily loss and maximum loss3% a day and 8% maximum, as a static limit, on the Promo. Extra rules apply once funded.
Read more: GFT product and disclosure notes

The 2-Step Standard model is no longer available for new purchases (help updated 5 November 2026). Caps and sim/live conflict are dual-disclosed on the firm overview.

Read GFT overview

Official site — not an affiliate link

Go deeper

Side-by-side comparison

A sourced comparison of UK-friendly prop firms.

Open comparison

UK payouts & tax guide

Company and individual tax considerations.

Open tax guide

Sourced, not hyped

Facts are taken from each firm’s public product, help and Terms pages and dated 6 November 2026. Re-check official pages before relying on fees or rules; they change.

Clear on affiliates

UKPropDesk is an FTMO affiliate. We are not currently an affiliate of FundedNext, The5ers, BrightFunded or Goat Funded Trader. Commission does not affect our rankings or which firms we cover.

Company vs personal

Company vs personal account rules are compared from sourced firm pages, including conflicts that are still unresolved.

No invented winners

We do not rank firms, invent pass rates, or publish star ratings. Weigh eligibility, fees and rules against your own situation.