IC Funded vs T4TCapitalFM: Head-to-Head Comparison (2026)
Verdict: Who Wins?
Best For:
Visual Comparison
Head-to-Head Comparison
| IC Funded | Metric | T4TCapitalFM |
|---|---|---|
| 4.8/10 | PFM Score | - |
| 3.1/5 (152) ★ | TrustPilot | 2.5/5 (6) |
| C ★ | Safety Grade | - |
| 43.4 D ★ | Trust Score | 26.4 F |
| 80/20 (up to 80% trader) ★ | Profit Split | 75% |
| 4% | Daily Drawdown | 2.5% |
| Bi-Weekly | Payout Frequency | 7 days |
| $74 | Starting Price | $45 ★ |
| White-Label | Technology | White-Label |
| cTrader, MT5 | Platforms | cTrader, MT5 |
| No | Direct Path to Funded | No |
| Saint Lucia | Country | Australia |
| - | Established | - |
| 16 options | Challenge Options | 11 options |
Price Comparison by Account Size
Cheapest challenge price at each account size (where both firms offer the same size)
| Account Size | IC Funded | T4TCapitalFM | Savings |
|---|---|---|---|
| $5K | $74 | $45 ★ | Save $29 |
| $10K | $125 | $65 ★ | Save $60 |
| $25K | $249 | $95 ★ | Save $154 |
| $50K | $449 | $195 ★ | Save $254 |
| $100K | $689 | $375 ★ | Save $314 |
| $200K | $1,275 | $750 ★ | Save $525 |
| $500K | $2,999 | $1,500 ★ | Save $1,499 |
IC Funded vs T4TCapitalFM: Detailed Analysis
IC Funded and T4TCapitalFM are both CFD firms.
Pricing
In terms of pricing, T4TCapitalFM is more affordable with challenges starting at $45, which is $29 less than IC Funded's starting price of $74. IC Funded offers 16 challenge options, while T4TCapitalFM offers 11.
Account Sizes
On account sizing, IC Funded offers account sizes from $5 to $500 across 7 funding tiers, while T4TCapitalFM offers account sizes from $1 to $500 across 8 funding tiers. Picking the right tier matters because both the entry cost and the maximum capital you can scale to are tied to the account size you start with.
Trading Platforms
For trading platforms, IC Funded supports cTrader and MT5, while T4TCapitalFM runs on cTrader and MT5. If you already trade on a specific platform, this can be the deciding factor between the two.
Profit Split & Payouts
IC Funded offers 80/20 (up to 80% trader) profit split, while T4TCapitalFM offers 75%. IC Funded pays out Bi-Weekly, and T4TCapitalFM pays out 7 days.
Risk & Drawdown Rules
Risk rules are a key difference for funded traders: IC Funded lists its daily drawdown as "4%", while T4TCapitalFM lists "2.5%". Always confirm the drawdown type before buying, since a trailing rule behaves very differently from a static end-of-day one.
Trust & Safety
For trust and reputation, IC Funded has a 3.1/5 TrustPilot rating with 152 reviews, while T4TCapitalFM has 2.5/5 with 6 reviews.
Who Should Choose Which
So who should pick which? IC Funded is the stronger choice for maximum profit potential, trust & reputation and fast payouts, while T4TCapitalFM is the better fit for budget-conscious traders.
Overall, IC Funded edges ahead winning 6 out of 7 categories we compared. However, the best choice depends on your specific needs - both firms have their strengths.
Pros & Cons
Pros
Cons
Frequently Asked Questions
Which is better, IC Funded or T4TCapitalFM?
IC Funded scores higher overall, winning 6 out of 7 comparison categories including Overall Rating, TrustPilot, Profit Split. However, the best choice depends on your trading goals and priorities.
Which is cheaper, IC Funded or T4TCapitalFM?
T4TCapitalFM has the lower starting price at $45. IC Funded offers 16 challenge options starting from $74, while T4TCapitalFM offers 11 options starting from $45.
Which has better reviews, IC Funded or T4TCapitalFM?
IC Funded has a higher TrustPilot rating of 3.1/5. IC Funded has 152 reviews while T4TCapitalFM has 6.
Which offers a higher profit split, IC Funded or T4TCapitalFM?
IC Funded offers a higher maximum profit split. IC Funded offers 80/20 (up to 80% trader) while T4TCapitalFM offers 75%.
How fast do IC Funded and T4TCapitalFM pay out?
IC Funded has Bi-Weekly payouts while T4TCapitalFM offers 7 days payouts. Payout speed can be an important factor when choosing a prop firm.
Are IC Funded and T4TCapitalFM legit?
Both firms have been independently verified by PropFirmMap. IC Funded holds a C safety grade and a 3.1/5 TrustPilot rating. T4TCapitalFM holds a unrated safety grade and a 2.5/5 TrustPilot rating. Safety grades are based on payout history, community trust signals, and regulatory transparency.
Which is better for beginners, IC Funded or T4TCapitalFM?
T4TCapitalFM may be more accessible for beginners due to its lower entry price. When starting out, consider challenge cost, drawdown rules, and profit split. Use the comparison table above to find which firm fits your experience level and risk tolerance.
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