The5ers Summer Plan 2026: A $100K Funded Account From $1.9, and What the "Flash Sale" Framing Really Means
Every trader evaluating prop firms this summer has run into the same wall of marketing noise: dozens of "limited time" offers, dozens of discount codes, and very few firms that explain what actually changes once the promotional period ends. The 5ers launched their Summer Plan on 15th July 2026, where they offered a $100,000 funded trading account at an all time low cost in the history of prop firms. This unique combination of a six figure funded account paired with an extremely competitive pricing that nobody in the market has matched is exactly why this offer has received such traction and attention in the industry.
This blog will break down what the Summer Plan actually includes with a detailed comparison for the 1-Step and 2-Step evaluation paths, what changes when the account gets funded, and how this offer is a breakthrough in comparison to the other prop firm challenges on the market right now.
What Is The5ers Summer Plan 2026?
The Summer Plan is a limited-time evaluation structure that gives traders access to a $100,000 simulated funded account starting at $149 for the 2-Step path and $249 for the 1-Step path, according to The5ers' official pricing page. It replaces, for the duration of the promotion, the firm's standard High Stakes pricing tiers, which industry coverage has placed meaningfully higher for a comparable account size outside of promotional windows.
The5ers is not a newcomer that is trying to gain market share using a discounted rate. The company has been active since 2016 as Five Percent Online Ltd., whose headquarters are in London, and now in 2026, is celebrating approximately 10 years of operation in the funding and trading sector. This is something important to consider when analyzing any kind of discount offered by a company.
How does the Summer Plan differ from The5ers' standard pricing?
Beyond the Summer Plan period, a $100K evaluation at The5ers operates within its normal high stakes pricing model, which is considerably higher than the promotional price point. Everything about the accounts remains essentially the same, traders will continue to trade towards a $100,000 funded account through the same profit goals and drawdown limits. The difference now lies in the initial cost, which the Summer Plan has reduced significantly. The firm has also structured the Summer Plan around two distinct pricing sub-tiers on the 2-Step path: a "10/5" option at $149 (10% profit target in Phase 1, 5% in Phase 2) and an "8/5" option at $179 (8% in Phase 1, 5% in Phase 2), giving traders a way to trade off entry cost against how much profit they need to bank to clear each phase.
Why is The5ers offering $100K accounts at $149 rather than a higher standard fee?
Publicly, The5ers has framed the Summer Plan as a seasonal promotion designed to widen access to its evaluation programs during a period when trading volumes and new sign-ups often dip. It is worth being precise about what "$149" and "$249" represent: they are the listed promotional prices for the 2-Step and 1-Step paths respectively, not a temporary flash-sale price layered underneath an already-discounted rate. Some third-party coupon and affiliate sites have circulated additional discount codes that shave a further 5–10% off these prices, but traders should treat any such code as unverified until confirmed at checkout on The5ers' own site, since promotional codes on affiliate pages can lapse without notice.
The reason why this promotion is worth covering is not a single "miracle" price. Instead, it is because the $149 entry cost for 2-Step entry to a $100,000 funded trading account, as of the time this article was written, constitutes one of the lowest recorded entry costs for a $100K funded account in the current prop firm cycle. This conclusion is drawn by comparing the offer to the other available options in the market.
Understanding the 1-Step Evaluation Model
The 1-Step path is built for traders who want the shortest possible route from evaluation to funded status. Instead of clearing two sequential profit targets, a trader only needs to hit a single target to qualify for funding.
What are the profit targets and rules for The5ers' 1-Step challenge?
For the 1-Step evaluation under the present Summer Plan, there is a 10% profit target, ^% maximum overall loss limit, and 3% daily loss limit. Consistency criteria are also involved wherein the profit made on one trading day cannot exceed 50% of the total profit when the target is achieved, and a maximum leverage limit of 1:30 during the assessment period. These are based on The5ers' Summer Plan regulations as of now – the traders need to confirm it with the live rulebook before allocating their capital as these are usually revised mid-promotion by the prop firms.
How does a 1-Step model compare to a 2-Step model for time-to-funding?
The core trade-off is speed versus room for error. A 1-Step evaluation can, in principle, be cleared in a single well-timed trade if that trade hits the 10% target within the rules — though most traders spread the target across several sessions specifically to avoid tripping the daily loss limit on a single volatile day. A 2-Step evaluation asks for less in each individual phase (10% in Phase 1, then 5% in Phase 2 under the "10/5" sub-tier) but requires clearing both phases sequentially, which takes longer in calendar time even though the total combined profit target is comparable. The 2-Step path also carries a wider 10% maximum loss limit and, notably, no consistency rule during the evaluation phases, which gives traders more flexibility in how they distribute winning trades. For traders who trade infrequently or rely on a small number of higher-conviction setups, that absence of a consistency requirement during evaluation can matter more than the extra phase.
$149 / $249 Entry Pricing: What Traders Actually Get
Price alone doesn't tell a trader much without knowing what sits behind it. Here's what the Summer Plan pricing actually buys, based on The5ers' published terms.
Is this a one-time promotional price, or an ongoing plan?
The Summer Plan is also very clearly time-bound. The5ers has positioned this plan as a seasonal offering, and firms in this niche tend to shut down their offers once either a volume threshold or a certain period of time is met. Those looking to benefit from $149 Summer Plan pricing would do well to consider this an open-ended window of opportunity and verify whether the plan is still active on The5ers' website.
What account features come with the Summer Plan tier?
Across both evaluation paths, traders get access to a $100,000 simulated account with defined leverage (1:30 during the 1-Step evaluation phase, and reportedly higher leverage available on the 2-Step path), a defined daily loss limit calculated against end-of-day equity or balance (whichever is higher), and a route to a funded account carrying The5ers' standard payout structure. On the 2-Step path specifically, traders receive hub credit incentives along the way — 10% after passing Phase 1 and 20% after passing Phase 2 — which The5ers applies toward the trader's account rather than paying out as cash. Some industry coverage has also referenced a partial refund of the entry fee tied to a trader's third profit payout after funding, though the exact percentage varies across sources, so traders should verify the current refund terms directly with The5ers rather than relying on a specific figure from a third party.
Scaling Pathway and Account Growth After Funding
Passing the evaluation is the entry point, not the destination. What happens to the account afterward is arguably the more important question for anyone planning to trade with a firm for more than a few months.
How fast can a funded $100K account scale under The5ers' growth plan?
The scaling philosophy adopted by The5ers in relation to funded accounts is through milestone based scaling, where consistent profitability over a certain period of time qualifies one for increased funding. The specific scaling amounts and requirements for the Summer Plan accounts should be verified from the actual account dashboard and not taken to be equal to the scaling for other The5ers' products as they may differ. The fundamental idea behind this is similar to what is found in all The5ers' documentation.
What profit split progression applies as the account scales?
The5ers has publicly referenced profit splits that increase over time as a funded trader demonstrates consistency, with some of its programs reportedly reaching splits in the 80% range or higher at later stages. Because profit split figures can differ meaningfully between The5ers' various account types (Summer Plan, High Stakes, Hyper Growth, and its futures offerings), traders should check the specific split tied to the Summer Plan account they purchase rather than assuming a split advertised for a different program automatically applies.
Drawdown Rules and Risk Management Framework
Entry price and profit targets get the headlines, but drawdown rules are usually what determines whether a trader actually keeps an account funded.
What are the maximum daily and overall drawdown limits on the Summer Plan?
In the 1-Step path, the maximum allowable loss per trade does not exceed 6% of the initial balance with the 3% daily loss limit. In the 2-Step path, the maximum allowable loss per trade increases to 10% but the daily loss limit still remains the same, that is, 3%. The daily loss in both cases is calculated at the end of each trading day based on 3% of either the equity or balance of the account, whichever is greater. It makes a practical difference since the latter is slightly more favorable for the trader if floating profit is present during the day.
How does this drawdown structure support trader longevity compared with stricter competitor rules?
A 10% overall drawdown ceiling on the 2-Step path, combined with no consistency rule during the evaluation phases, gives traders more room to recover from a rough stretch without being disqualified outright — a structural difference from firms that pair tighter overall loss limits with strict day-one consistency requirements. That said, this is a trade-off rather than a strictly superior arrangement: firms with tighter drawdown limits sometimes pair them with other flexibilities elsewhere in their rules, and a trader's own risk tolerance and strategy style should drive which structure actually suits them, rather than treating a wider limit as automatically better.
How the Summer Plan Fits Into the Broader Prop Firm Landscape
No single offer exists in a vacuum, and the Summer Plan is one entry in a crowded field of seasonal prop firm promotions running in parallel this year.
How does The5ers' pricing compare structurally to other firms' promotional offers?
Promotions involving discounts have been quite common in the prop firm industry, and there is a standard structure that almost all of them tend to have: a discounted rate for a certain account size, which could be combined with an affiliate discount code, for a limited period of time. The real differentiation factor among these promotions is not the discounted rate itself, but rather the terms involved — such as maximum drawdown limits, consistency rules, payout caps, and payment history. On that basis, The5ers' Summer Plan stands out less because of the price tag alone and more because it's attached to a firm with a decade of continuous operation, which is a meaningfully different risk profile than a promotional price from a firm with little public track record.
What should traders evaluate beyond entry price when choosing a challenge?
Entry price is the easiest variable to compare across firms, which is exactly why it shouldn't be the only one that decides a trader's choice. Payout reliability — how consistently a firm has processed withdrawals historically — matters more over a full year of trading than the $30–$100 difference between competing evaluation fees. Consistency rules matter for traders whose strategy relies on a small number of larger wins rather than a steady stream of smaller ones, since a strict consistency requirement can effectively disqualify that trading style even if the account stays within its loss limits. Payout caps, like the $2,000 per-cycle limit referenced in current Summer Plan terms, matter more to traders scaling toward larger account sizes than to those just starting out. And scaling flexibility — how quickly and by how much an account can grow after funding — determines whether a firm is a short-term evaluation exercise or a long-term trading relationship. Weighing all of these together, rather than anchoring on the lowest sticker price, is what separates traders who pick a firm that fits their strategy from traders who simply chase the cheapest checkout.
Summary
The Summer Plan of The5ers makes the price of a $100,000 evaluation account drop to just $149 for the 2-Step plan and $249 for the 1-Step plan — prices which are clearly stated on The5ers' pricing page and are among the lowest entry fees in the present promotional period. The 1-Step path suits traders who want the fastest route to funding and can work within a tighter 6% overall loss limit and a same-day consistency rule; the 2-Step path suits traders who want more room, in the form of a 10% overall loss limit and no consistency requirement during evaluation, in exchange for clearing two sequential phases. Either way, the entry price is only one input. Drawdown structure, consistency rules, payout caps, and the firm's operating history all deserve equal weight before deciding where to put an evaluation fee to work.
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