At a glance
All trading at EverFunded takes place in a simulation. You practise and demonstrate your trading skills with a virtual account balance. You do not deposit money into a live brokerage account. This is true of every account: evaluations, the funded accounts that follow them, and Instant accounts, which are funded from day one with no evaluation. The fee you pay for access is real money. A reward, if one is granted, is a separate payment and is not taken from the simulated balance.
Three amounts to keep separate
Amount | What it means |
Access fee | What you pay for the service. It is not a trading deposit or an investment. |
Simulated balance and profit/loss | Figures that record your trading activity and performance. Virtual funds cannot be withdrawn as cash, and the balance is not a deposit held for you. |
Reward payment | A separate, discretionary payment under the applicable terms. If one is granted, it is a real payment made separately, not a withdrawal of the virtual account balance. |
Your trades are assessed under the objectives and rules for your account. They do not buy or sell real financial instruments, and they do not send your virtual funds into a live market. The same applies at every stage: the evaluation on 2-Step, 1-Step and Flash, the funded account that follows it, and an Instant account, which starts as a funded account without an evaluation. "Funded" does not mean live trading: How an EverFunded funded account works explains what a funded account is for and how rewards work.
Example: You pay for an account and then close a losing trade. The loss changes your simulated results and may count toward your trading limits. It does not add a charge to your card for the amount lost. In the same way, closing a profitable trade increases a simulated result, not your bank balance. The same is true on an Instant account: its starting balance is virtual, and money reaches you only if a reward is requested, reviewed and paid under the payout conditions.
What this means for you
Key rule: The access fee is still a cost, and the simulation does not make the purchase risk-free. Simulated prices, execution and results may not match live trading, and doing well in the simulation does not promise the same outcome elsewhere. Passing an evaluation and receiving a reward are separate decisions, so do not treat a profit shown on screen as an approved payment.
If a figure looks wrong
Work out where the amount appears: on your trading platform, in your order or payment record, or on a reward request. These are separate records.
For an unexpected trade result, note the account, instrument, trade reference and time. Compare them with that account's trade history.
If there is a real charge you do not recognise, email [email protected] with the order reference and the date of the charge.
If a trading result on your own account is still unexplained, message us in the chat or email [email protected] with the account number, the instrument and the time shown on your platform. A person checks the account's own record and replies.
Do not include passwords or full card numbers in any message.
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Next step
Compare the four accounts side by side: Which account should I choose: 2-Step, 1-Step, Flash or Instant?.
Already trading with EverFunded? Start with Before your first trade: setup checklist.
All trading at EverFunded is simulated. The fee you pay is the money at risk. Rewards are discretionary and never guaranteed.
New to EverFunded? See how EverFunded works