The Concept Trading Review

Author: The Forex Geek | Published: July 5, 2026

Introduction

The Concept Trading (TCT) presents itself as a proprietary trading firm offering funding and trading programs designed for traders of all styles, with a focus on simplifying the funding process and providing flexible, scalable options. This review examines what TCT offers, its account models, rules, profit sharing, risk management, and what a trader can expect from engaging with the platform.

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What is The Concept Trading?

The Concept Trading is a prop trading firm that provides traders with capital rather than functioning as a broker. It promotes itself as offering “Smarter Funding for All Traders,” including simple rules, flexible trading styles, and the ability to scale accounts up to USD 50 million in certain programs.

Key Features & Promises

  • Trade Any Style: Scalpers, algorithmic traders, EA users, high-frequency traders, and trade copiers are all explicitly allowed. Holding trades overnight and over weekends is permitted, including trading weekends in crypto if the broker supports it.
  • Static Drawdown / Absolute Drawdown: The main drawdown rule is static (absolute) rather than daily or fluctuating. There is one key rule: do not hit the maximum drawdown.
  • No Time Limits to Hit Targets: Traders are not pressured by a deadline to reach profit targets. Whether a target is met in one week or a year, no penalty or issue occurs.

Account Models & Programs

Foundation

  • Designed for beginners. Two-stage evaluation with a 3-day minimum.
  • Single drawdown rule: 6%.
  • No scaling initially, but opportunities to grow into higher tiers later.
  • Tiered payout up to 70%.
  • Starting fees begin at USD $65.

Traditional

  • Aimed at traders seeking more significant capital levels.
  • Profit target of 6% per level to scale.
  • Access up to USD $2 million in capital.
  • Static drawdown of 4%.
  • Leverage up to 1:200.

Premier

  • Larger balances and more ambitious scaling opportunities.
  • Profit target per level of 7%.
  • Maximum capital access up to USD $10 million.
  • Static drawdown around 5%.

Empire

  • Target of 10% profit with 10% drawdown limit.
  • Scaling increases of about 50% per stage.
  • Maximum capital up to around USD $20 million.
  • Starting cost from USD $997 for certain tiers.

Xtreme

  • Highest capital scaling: up to USD $50 million in 11 steps if profit thresholds are met.
  • Profit target 6%, static drawdown around 3%.
  • Leverage reduced in this model, sometimes as low as 1:30.

Instant Funding

  • Allows skipping the assessment for specific programs labeled accordingly.

Profit Share, Scaling & Lock Rules

  • Standard profit share is 50% for most levels.
  • At the top levels or through the “90% Lock Rule,” traders may receive up to 90% profit share.
  • The 90% Lock Rule permits traders to lock in a program level once they’ve met its target and then take 90% of profits from that level forward. However, choosing the Lock Rule means no further scaling to higher levels. This option is not available on Intern levels.

Risk Management & Drawdown Rules

  • Static drawdown applies: the drawdown limit is based on the initial account balance.
  • If max drawdown is hit, the account is closed.
  • Drawdown percentage varies per model, ranging between 3% and 10%.

Fees, Leverage & Spread Options

  • Assessment and entry fees are tied to programs, starting from USD $65 for entry-level Foundation accounts.
  • Leverage is commonly 1:200, though some programs, like Xtreme, may offer lower leverage.
  • Spread options are available in two types: Normal Spreads with no commissions and Pro Spreads with tighter spreads but broker commissions.

Payment & Withdrawal Details

  • Payouts are processed within 48 hours after qualifying.
  • Once on a live funded account, traders can withdraw profits monthly, and in some cases weekly, at higher tiers or with the Lock Rule.
  • Payment methods include bank transfer, crypto, Wise, Revolut, and PayPal.

Eligibility, Restrictions & Other Conditions

  • Minimum age requirement is 18 years.
  • Residents of certain countries are not permitted, including sanctioned regions. U.S. residents are not allowed on some platforms but may use others.
  • Verification is required, including proof of identity, proof of bank account ownership, and a signed Service Agreement before receiving the first payout.

Pros & Unique Selling Points

  • Wide flexibility in trading styles, allowing scalping, algorithmic systems, holding trades over weekends, and other methods.
  • The 90% Lock Rule offers an attractive high-profit share for traders who prefer consistency over scaling.
  • Extremely high potential capital scaling, up to USD 50 million.
  • No time pressure to achieve targets, which may reduce stress and allow more natural trading strategies.

Potential Drawbacks or Things to Clarify

  • Hitting max drawdown leads to account closure, which could be risky for aggressive strategies.
  • Starting fees and scaling fees at higher levels can be significant, requiring careful financial consideration.
  • There are trade size limits, generally around 100 standard lots, which could affect large-scale traders.
  • Lower leverage in some programs may restrict strategies dependent on higher leverage.

Legal, Service & Regulatory Notes

  • TCT provides general advice only, not personalized financial advice.
  • The firm is authorized under Australian regulation as a Corporate Authorized Representative of Vested Equities.
  • Confidentiality, identity verification, and anti-money laundering requirements apply to access live funded accounts.

Conclusion

The Concept Trading offers a diverse set of proprietary trading programs aimed at traders from beginners to those seeking to manage very large capital. Its appeal lies in its flexibility, wide range of funding tiers, static drawdown rules, no deadlines, and profit-sharing opportunities up to 90%. However, strict drawdown enforcement, costs at higher levels, and limitations on leverage or trade size may challenge certain trading strategies. For disciplined traders who align with TCT’s rules, the firm provides an accessible and scalable pathway to managing significant capital.