IQ Capital Review: Plans, Rules, and How It Compares

IQ Capital

IQ Capital is a proprietary trading firm that allocates its own capital to traders who either pass a single-phase evaluation or buy an instant-funding account. The brand is operated by Beyond IQ Capital Ltd. of Gros Islet, Saint Lucia, and was founded by Christoph Radecker, listed on the company site as Founder and CEO. It runs two product families side by side: CFD and crypto accounts on MetaTrader 5 and Volumetrica, and futures accounts on DeepCharts, ATAS and Quantower. The headline term is a flat 90% profit split from the first dollar, with no threshold and no tiers, and no minimum payout size. Our record carries no verified founding date for the firm. This review is built from IQ Capital's own pages, re-checked live on 2026-08-28.

Plans and pricing

Each asset family is sold in three product types. Core carries an 8% profit target and pays out every 10 days. Rapid carries a 6% profit target, pays out every 3 days and has no activation fee. Instant Funding skips the challenge entirely and funds the account from day one. All prices below were observed on iqcapital.io on 2026-08-28, when the site was running a promotion it labels "Summer Sale" and "FLASH SALE 80% OFF Instant-Funding & Challenges". Both the promotional price and the struck-through list price are shown, because the promotional figure is time-limited and the list price is what the plan reverts to.

The futures range is priced separately and splits each size into two risk models: a Max Position Loss version and a Daily Loss Limit version. Futures Core Advanced $50K is $36 against a $179 list price in the Max Position Loss form, or $60 against $299 with a $1,000 daily loss limit attached, both carrying a $3,000 profit target and a $129 activation fee. Futures Core Expert $100K is $60 against $299, or $140 against $699 with a $1,500 daily loss limit, both with a $6,000 target and a $149 activation fee. Futures Rapid is $135 at $50K and $225 at $100K with free activation, and Futures Instant Funding runs from $349 to $769 depending on size and risk model. Position size on futures is capped at 5 minis or 50 micros on a $50K account and 10 minis or 100 micros on a $100K account.

Rules that shape the account

Drawdown is end-of-day trailing on both the evaluation and the funded account, which is the single rule that most separates IQ Capital from firms selling a static maximum loss. The evaluation runs for 30 days and carries no minimum trading day requirement, so the firm markets Core as a one day pass. Consistency is not applied to the Core and Instant Funding challenge, but is applied at 40% on Rapid challenges. Once funded, a 30% consistency rule applies on Core and Instant Funding accounts and 40% on Rapid, measured as the share of total profit produced by the single strongest trading day; exceeding it raises the profit target by the excess rather than closing the account.

Scalping is permitted subject to a 15 second hold threshold: at least 50% of all trades and at least 50% of total profit must come from trades held longer than 15 seconds, and accounts that miss this are not eligible for a payout. Tick scalping and high-frequency trading are prohibited, as are copy trading and external signal providers. Expert advisors and hedging are allowed on CFD and crypto accounts, which may also be held overnight and over the weekend. Futures accounts are intraday only, do not permit hedging, and any position still open at market close is closed automatically. A trader may hold up to ten accounts at once for a maximum of $2 million in allocated capital.

Per-request payout caps are tiered and rise as a trader is paid more often. On a $50K account the cap is $1,500 for the first two payouts, $2,000 for the third and fourth, and $2,500 from the fifth onward. On a $100K account the same tiers are $2,000, $2,500 and $3,000, and on a $200K account $3,000, $3,500 and $4,000. Payouts are requested in USDC or USD.

Pros and cons

Points in the firm's favour, all drawn from its published rules:

• A flat 90% profit split from the first dollar, with no threshold and no tiers, and no minimum payout size.
• A single-phase evaluation with no minimum trading days, and a soft breach system that closes the offending trade instead of the account, allowing two soft breaches before a hard breach.
• CFD, crypto and futures sold under one firm, across five platforms: MetaTrader 5, Volumetrica, DeepCharts, ATAS and Quantower.

Points against, on the same basis:

• End-of-day trailing drawdown applies to the funded account as well as the evaluation, so the loss limit follows equity upward and does not reset to the starting balance.
• A 30% consistency rule on funded accounts, 40% on Rapid, plus a recurring monthly management fee per funded account and non-refundable evaluation fees.
• The firm is not regulated, and its own pages disagree on where it operates: the imprint, contact and privacy pages state Saint Lucia while the FAQ and risk disclosure state the United Arab Emirates.

How it compares

The table below sets IQ Capital's CFD evaluation against three other CFD firms at the same $50K account size, using each firm's own published terms as recorded on PropFirmMap.

Two differences stand out. The first is drawdown mechanics: FundedNext and FTMO both sell a static maximum loss at the $50K size, while IQ Capital and Funding Pips apply a trailing limit, and IQ Capital trails on the funded account too. The second is the daily loss limit, which IQ Capital does not apply at all on CFD and crypto accounts, where Funding Pips sets $1,500, FundedNext 5% and FTMO 3%. On targets, IQ Capital's $4,000 at $50K is the 8% the firm advertises on its Core plan card, matching FundedNext's Stellar 2-Step at 8%, above Funding Pips at 6% and below FTMO at 10%. On list price the four span $199 to $319. On sale price IQ Capital is currently the cheapest of the four, but that gap is a promotion rather than a standing price.

Verdict

IQ Capital scores 6.3 out of 10 on PropFirmMap with a safety grade of B, holding a TrustPilot score of 4.7 from 421 reviews as checked on 2026-08-23. Its scoring profile is strongest on transparency and weakest on payout terms. The offer suits traders who want a flat 90% split with no tiered thresholds, who trade CFD, crypto and futures and would rather hold those under one firm, and who can pass an evaluation quickly given there is no minimum trading day requirement. It suits traders less well if they rely on a static drawdown that resets to the starting balance, since the trailing end-of-day limit carries into the funded account, or if a 30% single-day consistency cap and a recurring monthly account fee would interfere with how they trade or size positions. The disagreement between the firm's own pages on its operating jurisdiction is worth weighing for anyone who treats the registered entity as part of the decision.

Sources, all accessed 2026-08-28 unless noted: iqcapital.io for plan pricing, targets and drawdowns; general rules for drawdown, consistency and profit split; FAQ for payout schedule, caps and jurisdiction; about us for founder detail; imprint for the operating entity; and TrustPilot for the review score, checked 2026-08-23. Full plan data: IQ Capital on PropFirmMap.