Everything to know
before you start a 1-step
challenge.
One phase. Hit 8% performance reward. Get funded with 90% split
Most prop firms put you through two evaluation phases before you see a simulated trading portfolio. Polar Funded cuts that in half. One phase, one performance reward target, and you’re funded — no second hurdle, no second fee.
Pass the challenge, get funded. Once funded, there’s no performance reward target to maintain, 20% consistency rule rules Just two risk limits and 90% of everything you make going straight to you.
8 things to know ↓
A 2-step challenge requires two separate phases — performance reward target in phase one, another in phase two. The 1-Step cuts that entirely. You have one phase, one 8% performance reward target, and once you pass you move straight to a simulated trading portfolio with no further evaluation.
The challenge phase and the simulated trading portfolio have slightly different rules. Here’s exactly what changes:
You have a full on the 1-Step challenge. You have to hit the 8% performance reward target. Trade at your pace — whether that takes 2 weeks or the full , the challenge gives you plenty of time to hit the target or stop if you breach a risk limit.
This removes one of the biggest stress factors in trading evaluations. You never need to force trades to beat a clock.
The performance reward on your simulated trading portfolio is 90% to you — no tiers, no minimums to unlock a better rate. Generate $1,000 performance reward on a $25,000 simulated trading portfolio and you withdraw $900.
There’s no cap on withdrawal frequency once you’re eligible. Request payouts as often as you like after your first 7 days.
Once funded, your second reward distribution is eligible after 7 calendar days of trading activity. After that, no cooldown — request withdrawals whenever you want.
Trading activity means any open or closed trade. No win rate required, no minimum performance reward. One trade per day across the 7-day window is all it takes.
Every reward distribution is guaranteed within 24 hours on business days. Miss that window and you keep 100% of that reward distribution — no exceptions.
Unlike most firms, Polar Funded refunds your challenge fee on your very first successful reward distribution. Not your fourth — your first. Profitable participants get every cent back immediately.
All three platforms are fully supported across both the challenge and the simulated trading portfolio:
Automated trading and EAs are permitted. Copy trading from other simulated trading portfolios is not allowed.
Generate 12% performance reward in any 3-month window on your simulated trading portfolio and your balance increases by 25% automatically. No application, no fee required.
$50K → $62,500. $100K → $125,000. Maximum account size: $200,000.
Pick your account.
Start the challenge today.
All accounts include, 90% split once funded, MT5, and fee refunded on second reward distribution.
Every question answered.
Everything participants ask before starting a 1-Step challenge — compiled from live support.
How does the 1-Step Challenge work?
You purchase a challenge account, then trade to hit an 8% performance reward target. There’s — take as long as you need. Once you hit the target while staying within the risk limits, your account is automatically upgraded to a simulated trading portfolio. There is only one phase — no second evaluation required.
What is the performance reward target?
The performance reward target is 8% of your starting account balance. On a $10,000 account, you need to reach $1,000 in performance reward. On a $50,000 account, the target is $5,000. Once you hit it without breaching the risk limits, you move straight to a simulated trading portfolio.
Is there a time limit on the challenge?
No. There is on the 1-Step Challenge. Your account stays open until you hit the performance reward target or breach a risk limit. You can take days, weeks, or months — trade at your own pace without any deadline pressure.
What happens after I pass the challenge?
Your account is upgraded to a simulated trading portfolio automatically. The performance reward target disappears — there’s no target to maintain on the funded side. You simply stay within the 3% daily / 6% total drawdown limits and keep trading , keeping 90% of all performance rewards you generate.
What are the rules during the challenge?
During the challenge phase: hit an 8% performance reward target, stay within a 3% max daily loss, and don’t exceed a 6% total drawdown. There’s, 7 minimum trading days, and 20% consistency rule requirements. Just those three numbers to manage.
What are the rules once I’m funded?
On the simulated trading portfolio, the performance reward target is gone. The only rules are the same two risk limits: 3% maximum daily loss and 6% maximum total drawdown. 20% consistency rule rules, 7 minimum trading days, a trading window — trade however your strategy requires.
How is the daily loss limit calculated?
The 3% daily loss limit is calculated from your account balance at the start of each trading day. On a $25,000 account, the maximum you can lose in a single day is $1,000. Breaching this on any day closes the account.
Can I hold trades over the weekend or through news events?
Yes. There are no restrictions on holding trades over weekends or through news events, on both the challenge and simulated trading portfolio.
Can I use EAs or automated trading?
Yes — EAs, bots, and automated trading are all permitted on both the challenge and simulated trading portfolio. All trading activity must be generated by you. Copy trading from other simulated trading portfolios is not allowed.
When can I request my second reward distribution?
After 7 calendar days of trading activity on your simulated trading portfolio. After your second reward distribution, you can request withdrawals as often as you like — no cooldown, no cap on frequency.
When do I get my challenge fee refunded?
Your challenge fee is 100% refunded on your first successful reward distribution — not your fourth. As soon as you make your first withdrawal from your simulated trading portfolio, the full challenge fee comes back to you automatically.
How fast are payouts processed?
Within 24 hours on business days. If we miss the window for any reason, you keep 100% of that reward distribution.
Is there a minimum withdrawal amount?
Minimum withdrawal is $100. No maximum — you can withdraw your full performance reward balance in one request.
Which platforms are supported?
MetaTrader 5 (MT5) — across both the challenge and simulated trading portfolio.
How does the scaling plan work?
Generate 12% performance reward in any 3-month window on your simulated trading portfolio and your balance automatically increases by 25%. No application needed. Maximum account size is $200,000.
What happens if I breach a limit and fail the challenge?
Your challenge account is closed. You can purchase a new challenge at any time — there’s no restriction on retries. Each new challenge is an independent account.
Can I hold multiple challenge accounts at once?
Yes. You can run multiple challenge accounts and simulated trading portfolios simultaneously across different sizes. Each account operates independently.
One phase to your
evaluation account.
8% performance reward target. Keep 90% of every trade.
Start Your Challenge → Fee refunded on second reward distribution · · 90% splitTrading involves risk. Individual results vary. Simulated trading environment. Not financial advice.