The5%ers

What The5%ers is

The5%ers is an Israel-based proprietary trading firm operating since 2016. That places it in the small group of prop firms with an 8-plus-year operating record — alongside FTMO, Topstep, Earn2Trade, and Audacity Capital. The operating record is real, and so is the product range: most incumbents specialise in one model, while The5%ers runs a 1-step, a 2-step and a 3-step CFD track in parallel, plus separate futures and US-equities products.

On 1 August 2026 we cut our trust level for The5%ers from High to Low and the star rating from 4.6 to 3.3. Two things drove that. First, dated reports of refused payouts and closed accounts have accumulated since November 2025, and the firm itself acknowledged payout delays in March 2026. Second, several pieces of documentation a buyer needs are currently broken or self-contradictory. Both are set out below with sources.

A long operating history and a clean payout today are not the same claim. What follows is the evidence, not a verdict on any individual case.

How we scored it (reassessed 1 August 2026)

The5%ers’ Trustpilot score is 4.7 out of 5 across 33,853 reviews — 90% five-star, 3% one-star, with no guideline-breach notice (read 2026-07-31). The third-party score itself is strong.

The5%ers is a partner we earn affiliate commission from. We applied the weights from our methodology unchanged.

(2.6×30 + 4.5×25 + 2.5×20 + 2.8×15 + 4.7×10) ÷ 100 = 3.30, so the star rating is 3.3.

The Low label comes from the definitions, not the arithmetic. Our methodology grants Medium only where no significant problem in payment or terms transparency has been confirmed. A firm that has publicly acknowledged payout delays, against a run of dated payout disputes, does not clear that bar — and the documentation failures below meet the separate “insufficient disclosure” limb of the Low definition. Ten years of operation and a 4.7 Trustpilot score are facts; we just do not treat either as a guarantee that a payout requested today will arrive.

Program types

Checked against the firm’s own program pages on 2026-07-31.

High Stakes (2-step) — the flagship, and now shipped in two variants. New targets 10% in Phase 1; Classic targets 8%. Both target 5% in Phase 2. Max daily loss is 5%, taken from the higher of the previous day’s closing balance or equity at 00:00 UTC+3; max loss is an absolute 10% of the initial balance. No time limit, but you need 3 profitable days, where a profitable day means closing at least +0.5% of the initial balance. Leverage is 1:100 on FX, 1:25 on indices and metals, 1:5 on commodities, 1:2 on crypto. Fees by account size: New $19 / $35 / $69 / $176 / $278 / $491, Classic $22 / $39 / $78 / $195 / $309 / $545 for $2.5K through $100K.

Hyper Growth (1-step) — $5K to $50K, 10% target, 3% daily loss, 6% stop-out, no time limit, 1:30 leverage, capped at $40,000 of combined capital per trader. Split starts at 75% and scales toward 100%.

Bootcamp (3-step) — split payment: a $20K account is $22 up front plus $50 on passing ($72 total), $100K is $95 plus $205 ($300), $250K is $225 plus $350 ($575).

There is also a live promotional $100K-only plan at $149 (New) or $179 (Classic). Do not read across from High Stakes: that plan runs a 3% daily loss, a 50% consistency rule on the funded account, a $250 minimum PnL, and a $2,000 cap per payout cycle.

On the funding ceiling, the firm contradicts itself: the homepage advertises up to $4,000,000 while the High Stakes program page states scaling up to $500,000. We are not picking one — confirm which applies before you buy.

Always confirm current terms and fees on the official site.

Payouts and the fee refund

No payouts during evaluation. Once funded you need at least $150 in profit; the first request comes 14 days after the funded account is activated, then every 2 weeks, and the 14-day timer resets each time an account scales.

Four payout routes: Rise, crypto, bank transfer, and Hub Credits. Rise, crypto and bank transfer each carry a 3.5% commission per withdrawal — bank transfer also passes through the receiving bank’s fees — and only Hub Credits are commission-free. Crypto is capped at $1,500 per withdrawal, with larger amounts routed through Rise.

The High Stakes fee comes back in stages rather than as one refund: 10% in Hub Credits after Phase 1, 20% in Hub Credits after Phase 2, and 70% added to the funded account’s equity, withdrawable with the first payout once you have $150 in profit and 14 days of account age. Hub Credits cannot be withdrawn and expire 3 months after they are granted, and the 70% is calculated only on the portion you paid with real money — anything paid with Hub Credit is excluded.

The5%ers no longer publishes a processing time for CFD payouts. The old help-centre page quoting 5–8 business days now 404s, and the only current figure — up to 3 business days — sits in the Futures FAQ, which covers a different product. Treat CFD processing time as unconfirmed.

The payout reports

In March 2026 The5%ers posted on its official X account that it was addressing recent payout delays and that some payments were taking longer than expected. That is the firm’s own statement, so we weight it accordingly.

Alongside it, Forex Peace Army carries a continuing series of payout-refusal and account-closure threads. These are the ones we could pin to a date or an amount as of 1 August 2026.

These are third-party forum posts and we have not adjudicated any individual case; some may involve genuine rule breaches. But our methodology grants Medium only where no significant payment or terms-transparency problem has been confirmed. Multiple dated reports plus the firm’s own acknowledgement of delays do not clear that bar, and we apply that test the same way to every firm we cover.

Note the shape of most of these reports: an account that was paying out normally stops being paid at some point. Payouts you have already received do not predict the next one.

Where the firm’s own documentation fails

As of 1 August 2026, four things a buyer needs are broken or contradictory. None of this is our inference — it is the current state of the firm’s own site.

1. The help centre is gone. help.the5ers.com 404s in its entirety, which removes any official way to check the single most important number: how long a payout takes to process.
2. Maximum funding contradicts itself by 8×. The homepage advertises up to $4,000,000; the High Stakes program page states scaling up to $500,000. The firm has not reconciled the two.
3. The Instant Funding product page 404s. The product The5%ers pioneered lost its standalone page without an announcement, surviving only as a reference inside the High Stakes account rules.
4. 3.5% comes off every cash payout. Rise, crypto and bank transfer all carry it; the only commission-free route is Hub Credits, which cannot be withdrawn. FTMO deducts 0%.

Not being able to confirm this much before paying is what our methodology means by insufficient disclosure.

Who The5%ers fits

The5%ers may still suit:

• Traders who have read the payout reports above, accept the risk, and want to verify the pipeline themselves with a small account.
• Anyone comparing 1-step, 2-step and 3-step formats within a single operator.
• Swing traders who want the no-daily-loss variants.

Who The5%ers does not fit

Anyone planning to leave profit sitting in an account while scaling toward the higher tiers. That is precisely the pattern the reports above describe going wrong, and it maximises what you lose if a payout is refused.

It is also a poor fit if you want to confirm payout terms before paying: the processing time is not published anywhere, and the funding ceiling contradicts itself. If you want the cheapest entry fee, The5%ers is competitive at the small sizes but not at $491 for a $100K New account. Traders who want a futures specialist should look elsewhere.

The program complexity is a further hurdle. Hyper Growth starts at a 75% split against High Stakes’ 80%, the loss limits differ (3%/6% versus 5%/10%), leverage differs (1:30 versus 1:100), and the Bootcamp economics are different again.

What to watch

• Payout refusals: the reports above cluster around the moment of withdrawal, often on accounts that had already been paid. Request early and confirm the money arrives before scaling.
• Payout commission: 3.5% comes off every cash payout, and crypto is capped at $1,500 per request. Only Hub Credits avoid the fee, and they cannot be withdrawn.
• Unverifiable terms: CFD processing time is unpublished, and the firm’s own pages disagree on whether the ceiling is $500,000 or $4,000,000.

How The5%ers compares

Against FTMO, the two are close on operating record — 10 years versus 11 — and The5%ers is more flexible on program structure and materially cheaper at the entry sizes. They separate on everything this reassessment turned on: FTMO deducts no payout commission against The5%ers’ 3.5%, publishes its payout terms in full, and has no comparable run of payout disputes. That is why the two now sit in different trust tiers despite similar longevity.

Our take

On 1 August 2026 we moved The5%ers from High to Low, and the star rating from 4.6 to 3.3. The 10-year record, the 4.7 Trustpilot score across 33,853 reviews, and the absence of any regulatory action are all unchanged. What changed is that the firm acknowledged payout delays, dated payout disputes accumulated from November 2025 onward, and several pieces of buyer-facing documentation broke at the same time.

We earn affiliate commission from The5%ers. This is the result of applying the same test we apply to every other firm on the site, and we are not going to apply a softer one because of the commercial relationship.

We no longer present The5%ers as a safe first stop. If you use it, keep the account small, do not let profit accumulate, and confirm an actual withdrawal lands before you scale. The long-horizon, large-account approach is not one we would recommend under current conditions.

• The5%ers coupon code “HZZS4” — how to use