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Instant Funding

2.5 B+
United Kingdom CFD
VS

The Upside Funding

2.4 A
Hong Kong CFD
Key Differences
Safety B+ vs A

Verdict: Who Wins?

Instant Funding 4 wins Our Pick
4 2
The Upside Funding 2 wins
Overall Rating 2.5 vs 2.4
TrustPilot 4.8 vs 3.1
Starting Price $39 vs $999,999
Profit Split Both Up to 90%
Safety Grade A vs B+
Challenge Variety 30 vs 10 options
Platform Choice 3 vs 1 platforms

Best For:

Budget-conscious traders Instant Funding
Trust & reputation The Upside Funding

Visual Comparison

Instant Funding The Upside Funding

Head-to-Head Comparison

Instant Funding Metric The Upside Funding
2.5/10 PFM Score 2.4/10
3.1/5 (4,683) TrustPilot 4.8/5 (43)
B+ Safety Grade A
Up to 90% Profit Split Up to 90%
Smart Drawdown: -10% initial, adjusts to -5% after 5% gain (IF accounts); Static 8-10% (challenges) Daily Drawdown 1-Step: no daily, 4% trailing / 2-Step: 4% daily static, 8% total static
Every 7 Days (14-day initial wait) Payout Frequency Fast payouts (on-demand)
$39 Starting Price $
Proprietary Technology Proprietary
cTrader, Match Trader, MT5 Platforms cTrader
No Direct Path to Funded No
United Kingdom Country Hong Kong
Jun 2020 Established Jan 2020
30 options Challenge Options 10 options

Instant Funding vs The Upside Funding: Detailed Analysis

Instant Funding and The Upside Funding are both CFD firms. The Upside Funding has been in business longer, established in 2020, while Instant Funding was founded in 2020.

Instant Funding offers Up to 90% profit split, while The Upside Funding offers Up to 90%. Instant Funding pays out Every 7 Days (14-day initial wait), and The Upside Funding pays out Fast payouts (on-demand).

For trust and reputation, Instant Funding has a 3.1/5 TrustPilot rating with 4,683 reviews, while The Upside Funding has 4.8/5 with 43 reviews. Safety grades: Instant Funding B+, The Upside Funding A.

Overall, Instant Funding edges ahead winning 4 out of 6 categories we compared. However, the best choice depends on your specific needs — both firms have their strengths.

Pros & Cons

Instant Funding
Pros
Responsive support, Fast payouts & Instant Funding
Cons
Sometimes high Spread
The Upside Funding
Pros
Founded by ex-Citibank MDs (60+ years combined), 1:1 mentorship from CEO, path to 50K/yr full-time position, 24hr payout guarantee (K penalty if missed), 100% fee refund on 3rd payout, news trading + weekend holding allowed, cTrader via regulated Purple Trading, EAs allowed
Cons
Very new (launched 2024/2025), only 39 TrustPilot reviews (100% 5-star is unusual), only cTrader platform, challenge pricing not transparent on website, simulated environment, co-founder James last name not disclosed

Active Deals & Promo Codes

Instant Funding
10% OFF 10% off all Instant Funding accounts
The Upside Funding
25% OFF 25% off all challenges

Frequently Asked Questions

Which is better, Instant Funding or The Upside Funding?

Instant Funding scores higher overall, winning 4 out of 6 comparison categories including Overall Rating, Starting Price, Challenge Variety. However, the best choice depends on your trading goals and priorities.

Which has better reviews, Instant Funding or The Upside Funding?

The Upside Funding has a higher TrustPilot rating of 4.8/5. Instant Funding has 4,683 reviews while The Upside Funding has 43.

Which offers a higher profit split, Instant Funding or The Upside Funding?

Instant Funding offers a higher maximum profit split. Instant Funding offers Up to 90% while The Upside Funding offers Up to 90%.

How fast do Instant Funding and The Upside Funding pay out?

Instant Funding has Every 7 Days (14-day initial wait) payouts while The Upside Funding offers Fast payouts (on-demand) payouts. Payout speed can be an important factor when choosing a prop firm.