Trading Rules
Everything you need to know about our account rules, drawdown limits, and payout policies.
Drawdown Rules
Maximum Daily Loss — 3%
Your account equity must not drop more than 3% of your account balance within a single trading day. The daily loss limit is calculated from your account balance at the start of each trading day (server midnight). This includes both realised and unrealised (floating) losses.
Maximum Overall Loss — 6% (Trailing Drawdown)
Your maximum drawdown is 6% of your initial account balance, and it trails upward with your highest equity.
Here’s how it works with a $5,000 account:
- You start trading. Your max drawdown level is $4,700 (6% of $5,000 = $300 below your starting balance).
- Your equity rises to $5,150. The drawdown level trails up to $4,850 ($5,150 minus $300). Your old floor of $4,700 is gone — you can’t fall that far anymore.
- Your equity rises to $5,300. The drawdown level trails up to $5,000 ($5,300 minus $300). At this point, the floor has reached your starting balance — it LOCKS at $5,000 permanently.
- From here, even if your equity goes to $6,000 or $10,000, the floor stays locked at $5,000. You can never lose below your starting balance.
The trailing buffer is always 6% of your INITIAL balance (not current equity). So on a $5,000 account it’s always $300, on a $100,000 account it’s always $6,000.
If your equity drops to or below the max drawdown level at any point, the account is breached.
Breach Consequences
If you breach either drawdown limit during your challenge or on your funded account, the account will be closed. You may purchase a new challenge at any time to try again. Challenge fees are not refunded for breached accounts.
Timezone & Daily Reset
All daily loss calculations reset at server midnight (00:00 server time). Your daily loss counter resets to 0 at this time, and a new 3% daily limit applies based on your account balance at that moment. Make sure you are aware of your broker’s server timezone when planning trades around the daily reset.
Consistency Rules
Polar Funded has a 20% consistency rule on all account types. This means that the profit made on a single trading day cannot equal or exceed 20% of the total profits made during the payout period. If the profits from one trading day equal or exceed 20% of total profits, you will not be able to request a payout until the highest profit trading day falls below 20% of the total profits on that account within that payout period. Your account will not be terminated if you exceed this threshold — you simply need to continue trading until the ratio normalises.
Minimum Trading Days
All account types require a minimum of 7 profitable trading days before a payout can be requested. A profitable trading day is any day on which your account closes with at least 0.5% profit. These days do not need to be consecutive. There is no maximum trading day requirement.
Inactivity Rule
You must place at least one trade every 30 days. If no trading activity is recorded within 30 consecutive days, the account will be considered inactive and a breach will occur. This rule begins from account creation.
Payout Rules
Profit Split
You keep 90% of all profits. There is no cap on payout amounts.
first payout Eligibility
First payout: 14 days from your first trade on the funded account. Subsequent payouts: every 14 days after your first trade following the previous withdrawal. One trade per day counts as trading activity.
Payout Processing
Payouts are processed within 24 hours on business days. Supported withdrawal methods include bank transfer, cryptocurrency (Bitcoin, USDT), and other payment processors.
Minimum Payout — $100 minimum per withdrawal request.
Fee Refund
Your challenge fee is refunded with your first successful payout.
Instant Funding — Specific Rules
Instant Funding accounts have no profit targets and no evaluation phases. You receive a funded account immediately upon purchase. The only rules are:
3% Max Daily Loss — Same as all account types.
6% Max Overall Loss — Same as all account types.
20% Consistency Rule — No single day can exceed 20% of total payout-period profit.
90% Profit Split — Keep 90% of profits. No maximum payout cap.
Account Duration — Your funded account remains active indefinitely as long as you stay within the drawdown limits.
Scaling — Achieve 12% profit within a 3-month period and your account scales by 25% of the initial balance. Maximum capital: $400,000.
Permitted Trading Activities
News Trading — Not permitted within 5 minutes before or after high-impact (red-folder) economic events including NFP, CPI, FOMC, and similar releases. Violations result in a profit clawback — any profits from the affected trades are removed from your balance. This restriction applies to funded accounts; news trading is permitted during the evaluation phase.
Weekend Holding — Positions may be held over the weekend. Gap risk is your responsibility.
Expert Advisors (EAs) — Fully permitted. Custom and third-party automated strategies are allowed.
Hedging — Permitted within a single account. Cross-account hedging is not allowed.
Minimum Hold Time — All trades must be held for a minimum of 2 minutes. Trades closed faster may be flagged as tick scalping.
Platform — All accounts use MetaTrader 5 (MT5) for Forex trading.
Leverage — Forex 1:33, Indices 1:33, Commodities 1:33, Crypto 1:33.
Prohibited Activities
The following strategies and behaviours are not permitted:
Latency Arbitrage — Exploiting price feed delays between brokers.
High-Frequency Tick Scalping — Ultra-short-duration trades designed to exploit infrastructure.
Cross-Account Hedging — Opening opposing positions across multiple accounts.
Account Sharing — Each account must be traded by the registered owner only.