10 Best Prop Firms for EU Traders Using SEPA Withdrawals

Selecting the Best Prop Firms for EU Traders Using SEPA Withdrawals is about safe, quick, and economical payouts, not just profit splits and trading platforms. Earnings can be easily deposited into European bank accounts through SEPA withdrawals, which do away with expensive fees and delays.

The top prop firms enable traders to concentrate on performance while taking advantage of seamless financial operations within the EU’s integrated banking system by combining strict compliance, clear regulations, and dependable SEPA connectivity.

Key Criteria for Selecting Prop Firms

Regulatory Compliance

Firms must have strong legal policies, banking compliance in the EU, and transparent policies. This secures trader protection and compliance to financial regulations.

Payout Speed & Methods

Consider reputations for consistent and quick payouts. Make sure there are SEPA, crypto, and PayPal options with low fees and fast distributions to EU traders.

Profit Split

Profit sharing needs to be within the range of 80% to 95% so traders are paid fairly, but are also able to sustain the business.

Evaluation Process

Consider evaluations of the challenges and the one-step versus two-step models in regards to difficulty and transparency. Can traders qualify with no hidden rules?

Scaling Potential

Are high-performing traders rewarded with increased capital? Look for those encouraging traders to really scale their profit potential.

Platform Support

Firms give access to diverse trading mechanisms and tools and support multiple platforms, such as MT4, MT5, cTrader, or DXTrade.

Asset Coverage

Now look for coverage in all the main areas: forex, all equity markets, and crypto. Support in all financially important areas completes the coverage.

Community & Support

Look for companies that have active communities for traders, mentoring programs, and great customer support, as these promote collaboration, learning, and long-term success in trading.

Risk Management Rules

Make sure that the daily loss limits, drawdown policies, and consistency rules promote discipline, and that they do not limit the application of profitable strategies or penalize minor setbacks.

Reputation & Track Record

Look for companies that have demonstrated history of paying out to their traders, have received good reviews, and are recognized to lower their chances of being scammers in the crowded world of prop trading.

Key Point

Prop Firm	Key Point / Notable Feature
FTMO	Industry leader with structured challenge process and high reputation; up to ~90% profit split and large account scaling.
The5%ers	Strong growth-oriented model with up to 100% profit share and scaling up to multi-million capital.
FundedNext	Fast-growing prop firm with flexible evaluation types and competitive profit splits; high visibility among traders.
Apex Trader Funding	Futures-focused prop firm with simple one-step evaluation and generous payout structure.
Funded Trading Plus	Beginner-friendly prop firm with lower entry fees and weekly profit payouts.
Audacity Capital	Long-established firm backing credible traders with up to ~90% profit shares and scalable accounts.
City Traders Imperium	Offers multiple challenge types including instant funding and up to 100% profit share.
BrightFunded	Two-phase evaluation with fast payouts and profit split that can reach up to ~100%.
Alpha Capital	Popular prop firm with growing community presence and flexibility in funded program types.
Finotive Funding	Integrated prop-broker ecosystem with weekly payouts and bank (including wire/SEPA) transfer options.

1. FTMO

Starting from 2015 itself, FTMO, based in Prague, has been recognized as one of the leading prop firms in the sector. Traders can evaluate various assets such as forex, indices, commodities, and cryptocurrencies on MetaTrader, cTrader, and DXTrade.

Evaluation challenges begin from €89, at the €10K level, and scale up to €1M. Investors can expect a 1-2 business-day payout process. Furthermore, profit split can reach up to 90% based on the company’s scaling plans.

The prop firm offers SEPA withdrawals, giving investors within the EU an inexpensive and quick transfer option. Best Prop Firms for EU Traders Using SEPA Withdrawals – In terms of compliance and reliability, FTMO is at the top.

FTMO

• Established: 2015 in Prague, Czech Republic
• Supported Platforms: MT4, MT5, cTrader, and DXTrade
• Account Sizes: Between =20,000 and =200,000, with additional scalability up to =400,000
• Profit Split: Up to 90%
• Withdrawal Methods: Bank transfers (includes SEPA), cryptocurrency, and Skrill
• Notable Aspects: Analytics and Cash Flow software, FTMO Academy, strict risk management

FTMO Pros & Cons

Pros:

• Industry frontrunner with excellent reputation and a history of prompt payouts.
• Robust trader analytics and performance evaluation tools.
• Community and support resources are plentiful and available worldwide.
• Flexible scaling options that extend up to €1M.

Cons:

• Evaluation challenges can take a toll on novices.
• Entry prices are significantly higher than newer firms.
• Maximum daily loss limits are rigid.
• Analytics are great but education resources are limited.

2. The5%ers

Founded in 2016 in Israel, The5%ers emphasizes the scaling of accounts and long-term growth. Traders can access the bases of forex, indices, metals, and cryptocurrencies on MetaTrader. Pricing starts at $39 for a level one audition, with funded accounts scaling up to a million dollars.

They have profit split configurations from 50% all the way to 100% based on performance. Withdrawals are bi-weekly and can be done through bank cash, Rise, or crypto with SEPA available for EU.

Best Prop Firms for EU Traders Using SEPA Withdrawals – The5%ers is tailored for swing and position traders that need stability and scaling in the long-term.

The5%ers

• Established: 2016 in Israel
• Supported Platforms: MT4 and MT5
• Account Sizes: Scale from =5,000 to =4M
• Profit Split: 50% to 100% based on the plan
• Withdrawal Methods: Bank transfers (includes SEPA), Rise, and crypto
• Notable Aspects: Program Bootcamps with emphasis on Hyper Growth, Strong Longterm Scaling, and High Stakes

The5%ers Pros & Cons

Pros:

• Long-term sustainable trading fostering a growth model.
• Numerous program alternatives (Bootcamp, Hyper Growth).
• Effective emphasis on risk management integration.
• Clear and simple scaling model.

Cons:

• Profit split can be lower to deter the more reckless or aggressive trader.
• Longer waiting periods for achievement of evaluation phases.
• Name recognition and award notoriety pales in comparison to FTMO.
• Platform options are limited (predominantly on MetaTrader).

3. FundedNext

After its launch in 2022, FundedNext became successful in creating flexible models and quick pay. It is compatible with MT5, cTrader, TradingView, and NinjaTrader, and supports forex, futures, and CFDs.

Evaluation accounts range from $49 to $1 million. Profit splits are 95%, and payout processing takes 24 hours. FundedNext is also EU-friendly since it offers PayPal, Skrill, and crypto, as well as SEPA bank transfer withdrawals.

Best Prop Firms for EU Traders Using SEPA Withdrawals – FundedNext is best for those looking for fast payouts and high profit splits.

FundedNext

• Established: 2022
• Supported Platforms: cTrader, TradingView, NinjaTrader, MT4, and MT5
• Account Sizes: =300,000 with the possibility of scaling to =1,000,000
• Profit Split: Up to 95%
• Withdrawal Methods: SEPA, bank transfers, PayPal, Skrill, and crypto

FundedNext Pros & Cons

Pros:

• Profit split can be as high as 95%.
• Payouts can be as fast as 24 hours.
• Customers can receive instant funding.
• Comprehensive international coverage including the EU.

Cons:

• Other than in comparison to the more established firms, a very short operating history.
• No trading on news.
• Peak periods can slow customer support.- Starting traders have fewer materials to work with.

4. Apex Trader Funding

Apex Trader Funding was founded in 2021 in the US and focuses on futures trading. Using NinjaTrader and Tradovate, account sizes for trading range from $25,000 to $300,000. Pricing is also competitive with a monthly charge of $80, which is also affordable for beginning traders.

Apex Trader’s profit split is unique. Traders are able to keep 100% of the profit for the first $25,000, and then it’s 80 to 90 percent after.

Withdrawals are available via bank transfer, crypto, and to EU traders through SEPA. Best Prop Firms for EU Traders Using SEPA Withdrawals – Apex Trader Funding is great for traders who want to focus on futures and want a low-cost entry.

Apex Trader Funding

• Founded: 2021, USA
• Platforms: NinjaTrader, Tradovate
• Account Sizes: $25K – $300K
• Profit Split: 100% of first $25K, then 80-90%
• Payouts: Bank transfers (SEPA supported), crypto

Apex Trader Funding Pros & Cons

Pros:

• Cheap monthly subscription price.
• Futures focus is appealing to a niche market.
• Profit split is good for the first $25K.
• Large community in the US.

Cons:

• No options for forex or CFDs.
• Trailing drawdown rules may be strict.
• Evaluation resets can be expensive.
• Small presence in the EU as compared to FTMO.

5. Funded Trading Plus

Starting in 2021 in London, UK, Funded Trading Plus provides forex and CFD accounts through MT5, cTrader, MatchTrader, and DXTrade. Pricing starts at £139 for a €12.5K account, and instant funding is available.

Profit split is 90%, and they have weekly bank, crypto, and SEPA payout processes. SEPA support provides efficient transfers within Europe. Funded Trading Plus is ideal for EU traders looking for instant funding and SEPA withdrawals.

Funded Trading Plus

• Founded: 2021, London, UK
• Platforms: MT5, cTrader, MatchTrader, DXTrade
• Account Sizes: $200K (scales up to $5M)
• Profit Split: 80-100%
• Payouts: Bank transfers (SEPA supported), crypto

 Funded Trading Plus Pros & Cons

Pros:

• No evaluation processes means instant funding is accessible.
• Several platforms options.
• Strong UK credibility. Clear rules with no hidden limitations.

Cons:

• Greater costs to start.
• Compared to FTMO the community is smaller.
• Minimal education provided.
• Scaling is less than The5%ers.

6. Audacity Capital

Established in 2012 in London, UK, Audacity Capital is one of the oldest prop firms. It provides trading on forex, indices, and commodities through MetaTrader 4. Pricing starts at £298 for the Ability Challenge, and funded accounts are available up to £480K.

Profit split is 85%, and EU traders face bank and SEPA monthly payout processes. Best Prop Firms for EU Traders Using SEPA Withdrawals – Audacity Capital is best for industry compliance.

Audacity Capital

• Founded: 2012, London, UK
• Platforms: MetaTrader 5, DXTrade
• Account Sizes: $5K – $2M
• Profit Split: up to 90%
• Payouts: Bank transfers (SEPA supported)

Audacity Capital Pros & Cons

Pros:

• Reputation of solid compliance as they have been around since 2012.
• The Ability Challenge program promotes good discipline.
• Monthly payouts available and SEPA.
• Network with professional traders in London.

Cons:

• Fees for entry are higher.
• Compared to newer companies, scaling is more reserved.
• Less platform options.
• More restricted rules for aggressive strategies.

7. City Traders Imperium

City Traders Imperium began its operations in 2018 in the United Arab Emirates. They provide forex, indices, commodities, and crypto via MetaTrader 5 and MatchTrader. They charge $34 for challenges and up to $4 million.

Profit share is 50% to 100% and funds can be withdrawn via bank transfer, crypto, and SEPA. City Traders Imperium is a good choice for EU Traders Looking for the Best Prop Firms with SEPA Withdrawals. It is good for those who are looking for large scaling options and flexible programs.

• Founded: 2018, UAE
• Platforms: MetaTrader 5, MatchTrader
• Account Sizes: $2.5K – $100K (scales to $4M)
• Profit Split: 50-100%
• Payouts: Bank transfers (SEPA supported), crypto

City Traders Imperium Pros & Cons

Pros:

• Significant scaling of $4M.
• No deadlines for evaluations.
• Drawdown based on the balance.
• Ability to use resources from CTI Academy.

Cons:

• More expensive challenge fees.
• Beginner unfriendly rules.
• Less established brand recognition.
• Payouts less frequently than FundedNext.

8. BrightFunded

With the new entrant of 2021 in the Netherlands, BrightFunded specializes in forex, indices, commodities, and crypto. They use cTrader and DXTrade and offer accounts up to the scale of 200,000 euros. They charge 55 euros, and the profit share is 100%.

Funds are withdrawn in less than 24 hours via bank transfer, crypto, and SEPA. For EU traders looking for SEPA withdrawals, BrightFunded is one of the Best Prop Firms. They provide the fastest payout and have a good profit share.

BrightFunded

• Inception: 2022, Netherlands
• Used Platforms: MetaTrader 5
• Account Sizes: Up to 400,000 USD
• Profit Split: Up to 100%
• Payouts: SEPA Transfers, Crypto (Weekly)

BrightFunded Pros & Cons

Pros:

• Payouts in 24 hours.
• 100% profit split.
• Good pricing.
• Based in the EU with good SEPA.

Cons:

• Relatively new business.
• Fewer traders.
• Less platforms offered.
• New to the business.

9. Alpha Capital Group

In 2020, a new firm entered the UK market, Alpha Capital Group. They offer commodities, indices, and forex on MetaTrader and TradingView. Accounts range from 79 Pounds to 2 million dollars.

They have a profit split policy of 80% which is on the lower end for the industry, and you are paid out every 2 weeks via bank transfer, crypto, or SEPA.

Since they have SEPA payment methods, they are one of the best proprietary firm options for EU-based traders, especially those who prefer structured scaling and steady withdrawals.

Alpha Capital Group

• Inception: 2021, UK
• Used Platforms: cTrader, DXTrade, TradeLocker, MT5
• Account Sizes: Up to 2,000,000 USD
• Profit Split: 80-90%
• Payouts: SEPA bank transfers, Wise, Rise, PayPal, Crypto

Alpha Capital Group Pros & Cons

Pros:

• High scaling $2M.
• Payout options (SEPA, Wise, PayPal, crypto).
• Good rules and transparency with strong EU.
• 90% profit split.

Cons:

• More drawdown.
• More fees.
• Less education.
• Less flexible models than FundedNext.

10. Finotive Funding

Also founded in 2021, but in Cyprus, Finotive Funding has CFDs on forex, indices, and commodities on MT5. They start their pricing at 89 Euros and go up to 1 million Euros for their accounts.

They have a 90% profit split policy, and you are paid weekly via bank transfer, crypto, SEPA, and even Revolut. They are one of the best options for SEPA withdrawals in Europe, especially for those who prefer weekly payouts and a more integrated crypto banking system.

Finotive Funding

• Inception: 2021, Hungary
• Used Platforms: MT5
• Account Sizes: Up to 1,000,000 Euro
• Profit Split: Up to 90%
• Payouts: Weekly via SEPA, Revolut, Crypto

Finotive Funding Pros & Cons

Pros:

• SEPA and Revolut with weekly payouts.
• Instant funding.
• 12,000+ stocks and ETFs.
• 1:400 high leverage.

Cons:

• New company with little history.
• Risky trading with high leverage.
• Less established than others.
• Less community than FTMO.

Tips for EU Traders Choosing a Prop Firm

Get withdrawal SEPA confirmation in writing. Ensure that SEPA withdrawal bank transfers are supported. Otherwise, you could be forced into crypto withdrawals or costly int’l wire transfers.

Review availability of EUR base accounts. Choose a firm that offers a EUR-denominated base account to reduce currency conversion losses and to simplify profit withdrawals.

Consider payout processing duration. Longer payout cycles can hinder cash flow. EU-facing firms that offer SEPA withdrawals usually do so within 1–3 business days.

Review structure of profit splits. Focus on net profit splits, and drawdown, scaling, fee, and withdrawal rule variations, so that advertised values are actually in your pocket.

Evaluate methodology of drawdown calculations. Static, balance-based drawdown, and trader-favoring predictability of trailing equity drawdowns through turbulent market conditions are preferred.

Confirm reputation of prop firms in EU. Read reviews of EU Traders to ensure reliable payout records, stable bank partners, and consistent SEPA transaction history.

Read and verify country eligibility. Some firms will claim European accessibility but will restrict countries in the EU, so be sure your EU country is supported.

Review the Trading Rules Rules regarding news trading, holding over the weekend, and lot size, enable traders to avoid violations that jeopardize their profit.

Review trading platform compatibility Check if the EU regulated brokers offer MT4, MT5 or cTrader for optimum execution and data reliability.

Customer Support Responsiveness Contact support prior to signing up; quick and informed answers denote efficiency and will likely simplify any problems related to withdrawals.

Conclusion

Choosing a prop firm with SEPA withdrawal support guarantees quick, inexpensive, and legal reimbursements to European bank accounts for EU traders. The top choices include FTMO, The5%ers, and Audacity Capital because of their well-established reputation and robust EU presence;

FundedNext, BrightFunded, and Finotive Funding because of their quick payouts and adaptable programs; and City Traders Imperium and Alpha Capital Group because of their remarkable scaling potential.

Apex Trader Funding is most advantageous to futures specialists, while Funded Trading Plus offers immediate funding flexibility. These companies are the best options for EU traders since they mix development potential, dependability, and smooth SEPA integration.

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