The5ers High Stakes for UK and EU traders

The5ers markets High Stakes, a two-step CFD evaluation programme (plan page fetched 6 November 2026). Platform stated on that plan page: MT5 Hedge. Assets listed: FX, metals, indices, oil and crypto.

According to The5ers’ Terms footer (fetched 6 November 2026; Terms last update 28 October 2026):

• FIVE PERCENT ONLINE LTD, England and Wales company number 12553363, registered office 168 Praed Street, London, W2 1RH, United Kingdom.
• FIVE PERCENT ONLINE LTD, Israel company number 515864007, registered office 2 Ha`tidhar street, Raanana, Israel.
• Governing law / forum (Terms §§19–20): laws of Israel; exclusive jurisdiction of the courts of Tel Aviv.

Attributed regulation statements from the same Terms:

• The firm states it is not a broker-dealer, does not trade securities on its or another party’s behalf, and does not directly offer financial advice (Terms §16.6 and related disclaimers).
• No FCA authorisation, FCA firm reference number, or regulated-investment-service claim was found on the Terms page fetched for this article. UK company registration is not the same as FCA authorisation.
• If Website content conflicts with the Terms, the Terms prevail (Terms §18.6).

Sources: Terms and conditions, High Stakes plan page.

From The5ers’ Terms (fetched 6 November 2026; last update 28 October 2026):

• Evaluation is simulated / demo. Definitions: the Evaluation stage is a “simulated training environment.” “Trading” means instructions in simulated environments “simulating real-life trading and using Hub-designated fictitious funds.”
• Evaluation §6.3: any trading through the Evaluation is “entirely simulated and is not real”; the “funds” are “fictitious, do not represent any currency,” and “may not and cannot be used for any actual trading”; the user “is not entitled to any payment or other right in or of those funds.”
• Disclaimers §16.1: simulated/hypothetical results have inherent limitations versus live market accounts; no representation that live trading will match demo results.
• Professional User wording (ambiguous across Terms clauses): Definitions say a Professional User may “get backed with Our simulated capital.” Services §6.4: after Evaluation and User Verification, the firm “may offer You to become a Professional User and trade with Our trading capital”; positions are evaluated and monitored, and the firm may use discretion whether to execute suggested trades; acceptance is not guaranteed; the relationship is then governed by additional terms that were not reviewed for this article.
• Hub Credits §6.6(b): Hub Credits “are not real currency”; the Company “does not in any circumstances receive any funds or other assets from, or manage any funds or other assets for, the Professional User within the Services.”

Evaluation is clearly simulated/fictitious on the Terms. Do not treat the Pro stage as purely simulated — §6.4 uses “trading capital” under additional Pro terms that were not reviewed, while Definitions also say “simulated capital.” This article does not resolve that ambiguity, does not invent Pro-addendum contents, and does not assume regulated live CFD protections apply.

Source: Terms and conditions.

United Kingdom: The5ers’ Terms define “Forbidden Territory” as jurisdictions where services are not available, “including but not limited to” a named list (Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, Cuba, Congo Republic, Crimea, Democratic Republic of Congo, Eritrea, Guinea, Guinea-Bissau, Iraq, Iran, Israel, Laos, Lebanon, Liberia, Libya, Myanmar, North Korea, Palestinian Territory, Papua New Guinea, Russia, South Sudan, Sudan, Somalia, Syria, Vanuatu, Venezuela, and Yemen). The United Kingdom is not named on that list (fetched 6 November 2026). On that basis UK residents appear able to use the service. Confirm on The5ers’ live Terms before you pay — the list is “including but not limited to” and may change.

Terms §1.3 also requires that you “are a retail trader.” Confirm live Terms before you pay.

The same Terms extract states that Trading Platforms provided by MetaQuotes are strictly prohibited from being used by residents of the United States (a US point, not a UK one). Israel appears on the Forbidden Territory list as a user-eligibility restriction; that is separate from the Israel-registered company named in the footer.

Source: Terms and conditions.

EEA here means the European Economic Area. No EU member state is named on the Forbidden Territory list fetched 6 November 2026 (Bosnia and Herzegovina is not an EU member). That is not a blanket “all EU approved” statement. Confirm your country against The5ers’ live Terms, bearing in mind the list is not claimed to be exhaustive.

Source: Terms and conditions.

From the High Stakes plan page (fetched 6 November 2026) and the general-rules FAQ (last update 3 November 2026):

• Two-step evaluation, unlimited time.
• Minimum profitable days: 3 in Step 1, 3 in Step 2, and 3 for scaling. A profitable day is a day on which closed positions made a positive profit of at least 0.5% of the initial balance, using: Minimum(Midnight Balance or Midnight Equity) − Previous Day Balance.
• Overnight and weekend actions are allowed. Holding indices over the weekend is allowed but “carries a high swap.”
• Leverage stated on the plan page: 1:100 (not split by FX versus indices on that page).
• Inactivity: evaluation accounts expire after 30 consecutive days with no activity, counted from the registration day; Pro accounts 60 consecutive days.
• Scaling: account scales on each 10% target up to $500,000. Split starts at 80/20 and steps toward 100% plus fixed payouts at the top rungs (plan-page scaling table). On a High Stakes $100,000 start, the table shows 80/20 through $150k, 85/15 at $175k–$200k, 90/10 at $250k–$300k, then 100% + $4,000 fixed payout at $350k–$450k, and 100% + $10,000 fixed payout at $500,000.

Step 1 target on the $100,000 tab: Classic displayed as 8%, New as 10%. Step 2 is 5% in both. Treat High Stakes New $100,000 as 10% then 5%, Classic as 8% then 5%, unless checkout shows otherwise.

The plan-page buy/CTA points to Hub (https://hub.the5ers.com/), a login-gated site. Public HTML had no embedded $100,000 checkout price on 6 November 2026; no purchase was attempted.

Sources: High Stakes plan page, General rules for the High Stakes program.

Scroll horizontally to see all columns. Keyboard: focus the table area and use Left/Right arrow keys.

FTMO sources include: ftmo.com/en/, comparison table, 2-Step Challenge, Who can join, Swing FAQ, Withdraw profits.

Sources: general-rules FAQ and Payout Policy FAQ, both last update 3 November 2026.

• No payout during the two evaluation phases. Payouts start once the account is a Pro account.
• Frequency: every 14 days from the dashboard.
• Methods: the general-rules FAQ lists Crypto or RISE; the Payout Policy FAQ lists Rise, Bank Transfer or crypto. This overview uses the longer Payout Policy list.
• $100,000 High Stakes: payout cap $4,000; minimum P&L for payout $500. ($50,000: cap $3,000; minimum $300.)
• Minimum withdrawal $150 after the profit split.
• Cryptocurrency withdrawals: maximum $1,500 per transaction.
• Starting split 80%, scaling toward 100% as in the plan-page table.
• Refund / Hub Credit on High Stakes (Payout Policy FAQ):
  • Pass Step 1: 10% of the fee as Hub Credit (not withdrawable; usable toward a new challenge).
  • Pass Step 2: 20% Hub Credit.
  • Funded stage: 70% of the fee is added to Pro-account equity and can be withdrawn with the first payout after the account has been active at least 14 days and generated minimum rewards of $150.
  • The 70% refund applies only to the portion paid with external funds, not Hub Credit.

Comparison with FTMO (sourced): FTMO 2-Step states a 100% entry-fee refund with the first Reward (same payment method). The5ers High Stakes, on the Payout Policy FAQ, returns 70% as withdrawable cash on the funded path, with 30% as non-withdrawable Hub Credit across Step 1/Step 2. These are different structures — not interchangeable.

Sources: General rules, Payout Policy and Hub Credit, FTMO Is the entry fee refunded?.

News (FAQ last update 10 August 2026; also restated in general-rules FAQ, 3 November 2026):

• Holding open trades over the news is allowed.
• Executing orders from 2 minutes before until 2 minutes after high-impact news is prohibited (Forex Factory; server time).
• Profits made in that window are deducted and will not count toward the target. Losses are absorbed by the trader.
• The rule applies to the moment an order is triggered and executed, not when a pending order was placed.

Weekend: allowed, including indices (high swap), on the High Stakes plan page. No separate paid swing add-on was described on the pages we checked.

Comparison with FTMO (sourced): FTMO Standard applies a similar two-minute news window on the FTMO Account stage (profits removed); FTMO Swing (2-Step only) has no restricted-news ban. High Stakes does not offer a Swing-type opt-out of the news window on the pages used here.

Sources: Can I trade during news?, High Stakes general rules, FTMO Swing account type FAQ.

This is a material point for UK limited-company traders.

The5ers’ Terms §3.6 (Personal Use and Billing; Terms last update 28 October 2026) states that services are intended for personal use only; registration and use are not permitted using company details or any other legal entity; invoices and payments are in the registered user’s name only; withdrawals only to an account in the same name as the registered user. Eligibility also requires the user “are a retail trader” (Terms §1.3).

Do not assume that FTMO’s Company KYB path works here — it does not under these Terms. (FundedNext likewise does not permit company-name registration on its published help.)

Minor wording elsewhere in the Terms mentions “natural person or legal entity” for account ownership (§4.2); §3.6 is the explicit registration/billing ban, and §18.6 says the Terms prevail — this overview treats §3.6 as controlling.

Source: Terms and conditions.

The5ers’ own Terms (Personal Use and Billing section) are the public source for this: personal use only, and no registration with company details or any other legal entity.