BEM Funding vs Instant Funding: Prop Firm Comparison 2026

Compare BEM Funding (forex/CFD) and Instant Funding (forex/CFD) side by side — profit splits, challenge fees, drawdown rules, platforms, and trading restrictions.

BEM Funding

BEM Funding

 Instant Funding

Instant Funding
Trustpilot rating 4.2★ (219 reviews) 3.1★ (4,683 reviews)
Max profit split 80–90% 80%
Evaluation types 2 Steps, 1 Step Instant, 2 Steps, 1 Step
Account sizes $5K, $10K, $25K, $50K, $100K $625, $1.25K, $2K, $2.5K, $5K, $10K, $20K, $25K, $40K, $50K, $80K, $100K, $120K, $200K, $300K
Cheapest challenge fee $39 $25
Drawdown type Static / Trailing Static / Trailing
Platforms DXtrade, cTrader, MT5 MT5, cTrader, Match-Trader
Payout frequency Weekly After the 24-hour window / On-demand / Every 7 days / 14 days, then weekly / Every 14 days / On-demand, then every 7 days
News trading — Restricted
Automated trading / EAs — Restricted
Weekend holding — Allowed

Verdict

BEM Funding offers a higher advertised profit split (90% vs 80%). Instant Funding is cheaper to enter, with challenge fees from $25 compared to $39 at BEM Funding. Both firms support 3 trading platforms.

True Cost Calculator

See how much it truly costs to get funded at BEM Funding, including multiple failed attempts.

Fee for $10K · 1 Step: $89 · Split: 80% to you
How many attempts?

Drag to model your worst-case scenario

2attempts
1Best
2
3
4
5Worst
Total Spent

$178

2 attempts × $89 fee

Net Cost

$178

No fee refund on this plan

Break-Even

2.23%

Profit needed on $10K after 80% split

💡 Fees shown in USD. Break-even is the minimum profit % you need on your funded account to cover all challenge costs.

BEM Funding vs Instant Funding — FAQs

Both BEM Funding and Instant Funding are legitimate prop trading firms, and the better choice depends on your priorities. BEM Funding has a higher Trustpilot rating (4.2 vs 3.1). BEM Funding offers a higher profit split (90% vs 80%).
BEM Funding has the higher advertised profit split at up to 90%, compared to 80% at Instant Funding.
Instant Funding is cheaper to get funded, with challenge fees starting at $25 compared to $39 at BEM Funding.
Both firms can be used by beginners, though the right choice depends on your experience level. Both offer 1-step evaluations suited to beginners. BEM Funding account sizes: $5K, $10K, $25K, $50K, $100K. Instant Funding account sizes: $625, $1.25K, $2K, $2.5K, $5K, $10K, $20K, $25K, $40K, $50K, $80K, $100K, $120K, $200K, $300K.