10 Best Prop Firms For EU Traders Using SEPA Withdrawals

This article will cover the best prop firms for EU traders using only SEPA withdrawals. For European traders, having access to a proprietary trading firm where they can easily reach their profits is important.

I’ll present the best firms in Europe where traders can receive SEPA withdrawals without limits, along with flexible evaluation challenges and increasing funded account sizes, to help EU traders identify the best prop trading options.

Key Points & Best Prop Firms for EU Traders Using SEPA-Only Withdrawals

Prop Firm	Key Point
The Funded Trader	ESMA-compliant accounts tailored for EU traders
Lux Trading Firm	UK/EU regulated with EUR-denominated accounts
SurgeTrader	Accessible to EU residents with EUR transfer options
The 5%ers	Global reach but strong SEPA support for EU traders
TopStep	International firm offering SEPA withdrawals for EU clients
Ment Funding	EU-focused prop firm with efficient SEPA payouts
Tradeify Funding	Known for instant payouts and SEPA integration
Finotive Funding	EU-based firm with strong SEPA banking partnerships
Alpha Capital Group	UK-based firm supporting SEPA transfers
PropFirmPlus	Supports forex & futures traders with reliable SEPA transfers

10 Best Prop Firms for EU Traders Using SEPA-Only Withdrawals

1. The Funded Trader

The Funded Trader provides different types of evaluation challenges where traders showcase their abilities using simulated accounts and win a profit split after passing.

Although its payout methods are mostly centered around crypto (with the exception of Rise and the ERC‑20 networks), a majority of European traders use bank transfer conversion via Rise or similar bank payout services, which supports SEPA-style withdrawals after the funds have been moved to your bank.

EU traders who want to minimize their steps, after receiving crypto or e-wallet payouts, can use the Rise bank transfer option. In this roundabout way, SEPA users have enough flexibility to make the system usable.

The Funded Trader Features

• • Various evaluation challenge types with specific profit target and loss limits.
• • Contains scaling plans that increase the size of your funded account.
• • Regular profit share schedules with European bank payout options.
• • Instrument variety: trade forex, indices, commodities, and crypto.

Pros	Cons
Multiple challenge options with clear rules.	Some payout methods may require intermediaries for EU bank transfers.
Offers scaling opportunities after funding.	Evaluation targets can be challenging for new traders.
Regular payouts once funded.	Support response times can vary.
Flexible trading instruments.	Some traders prefer more transparent fee breakdowns.

2. Lux Trading Firm

The Lux Trading Firm evaluation model and influx of new asset classes apart from forex (such as equities, commodities, etc.) is coupled with flexible and, up to, six-figure funding.

Traders often appreciate that swing and weekend trading is together with no hard time constraints for profit target commitments.

While direct SEPA payments may not be listed (drawing payments from a Lux account to a bank account is often done by most EU traders via Wise and other low fee bank transfer services), this is convenient for Europeans traders who prefer a more traditional withdrawal option.

Lux Trading Firm Features

• • Evaluation completion with no time limit promotes strategic trading.
• • Many prop firms limit swing and weekend trading, but here it’s allowed.
• • Potential for high funded account size post-challenge completion.
• • Diversify with a broad range of supported asset classes.

Pros	Cons
No time limit on challenge completion.	Withdrawal options may not list direct SEPA.
Allows swing trading and weekend positions.	Fees on bank transfers can be higher.
Large maximum funded accounts available.	Some rule details can be complex to new traders.
Supports diverse asset classes.	Community feedback can be mixed at times.

3. SurgeTrader

SurgeTrader is well-liked for its quick evaluations and simple funded accounts for trading forex, indices, and crypto.

Although SEPA is not listed as a withdrawal option, European traders use regular bank transfers (which can include SEPA and Wise/Rise), as these methods are quick and provide payments in euros.

Considering that many traders with EU bank accounts prefer a straightforward withdrawal method that doesn’t rely on crypto, this option is a sensible choice.

SurgeTrader Features

• • Clear profit target, simple guidelines, and fast evaluations.
• • Funded account options based on risk and capital requirements.
• • Once a payout is received, it becomes regular and systemized.
• • Activity traders will appreciate the drawdown limits.

Pros	Cons
Fast evaluation process.	Withdrawal rails not explicitly SEPA.
Simple profit targets with transparent rules.	Some traders find drawdown rules tight.
Multiple funded account sizes.	Limited education resources.
Regular payout schedule.	Mixed reviews on support responsiveness.

4. The 5%ers

The 5%ers have established themselves with their funded programs and tiered scaling to several million dollars in account sizes.

With European traders, bank transfer payouts are available, and while direct SEPA is not always available in Europe, most bank transfer (especially with Wise or European banking partner) withdrawals work like SEPA and have faster settlement and lower fees.

The firm is especially strong for those who appreciate clear and firm rules, educational support, and gradually increasing their trading capital.

The 5%ers Features

• • Reputable firm with maintained scaling structures to increase account size.
• • Prudent loss and drawdown limits provide firm-wide capital protection.
• • Backing longer-term and swing trading strategies.
• • Stable payout cadence for consistent funded traders.

Pros	Cons
Strong reputation and long presence in the market.	Withdrawal options may require conversion to bank transfer.
Clear and steady scaling progression.	Evaluation fees can be higher than average.
Supports long-term trading strategies.	Some traders find targets conservative.
Transparent risk rules.	Payout frequency might be slower for some.

5. TopStep

TopStep focuses on futures trading and does not deal with forex or CFDs. They offer their “Trading Combine” evaluations and the pathway to being a funded trader.

Successful traders get their payouts through traditional banking methods. For traders in the EU, this means international wire transfers. If both banks allow it, it can be routed through SEPA.

For European traders, especially those trading futures, the stringent evaluation processes and rules offer a dependable banking withdrawal option.

TopStep Features

• • Efficient in futures markets with a solid evaluation “Combine” stage.
• • Direct profit goal and risk management for futures.
• • Embedded learning and coaching resources.
• • Withdrawals through SEPA-compatible regular bank transfers.

Pros	Cons
Well‑established with robust evaluation.	Focused on futures only (not forex or CFDs).
Clear profit and risk rules.	Bank transfer options may not show direct SEPA.
Structured learning resources included.	Monthly subscription cost can add up.
Good community and support.	Not ideal for traders outside futures market.

6. Ment Funding

Ment Funding portrays itself as a prop firm with a community trader viewpoint; its evaluations have no minimum or maximum days, supporting varying strategies, even ones like EAs, hedging, and others.

While specific withdrawal caps and rules are not available, EU traders typically request bank transfer payouts, which, in practice, means European partners’ banking SEPA or SEPA-compatible transfers.

Ment Funding is a valuable option for those in Europe seeking a community-focused firm with limited restrictions on evaluations.

Ment Funding Features

• • Flexible regulations like EAs, hedging, and strategy types.
• • Different account and risk level choices.
• • Promotes trader autonomy with fewer limitations.
• • Provides steady evaluation pathways with bank transfer payout options.

Pros	Cons
Flexible rules, no minimum time to pass.	SEPA‑explicit withdrawal support not always clear.
Allows EAs and hedging strategies.	Some traders report mixed execution reports.
Multiple account types available.	Customer service experience varies.
Encourages trader freedom.	Profit splits may be lower than competitors.

7. Tradeify Funding

Tradeify Funding provides ‘lightning’ evaluations and other funded accounts as a means to reach real capital quicker. It’s known within the community for skipping some typical challenge roadblock.

Direct SEPA support isn’t listed as a typical option, so EU traders resort to bank transfers through 3rd party services for fiat payouts.

Community feedback points out the complexity in payout parameters, but Tradeify remains a choice for EU traders needing faster funded account options and bank account withdrawal flexibility.

Tradeify Funding Features

• • “Lightning” and classic challenge choices to accommodate various trader tastes.
• • Evaluation challenge pricing is competitive.
• • Numerous funding avenues and account sizes.
• • Tailored for speedy evaluations and immediate funded accounts.

Pros	Cons
Fast evaluation options.	Community feedback on rules clarity is mixed.
Competitive challenge pricing.	Withdrawal options may be limited or indirect.
Multiple challenge models.	Support communication can be slow.
Variety of funding sizes.	Some traders find rules ambiguous.

8. Finotive Funding

Finotive Funding has one-step, two-step, and instant funding accounts which come with funding accounts with weekly payout opportunities.

They also offer integrated bank and digital wallet funding, which EU traders often convert to SEPA bank transfers post receipt.

Reviews indicate a variety of trader experiences, from seamless early payouts to inconsistent support, but on balance, it maintains its status as a contender due to its varied account options and consistent payout.

For EU traders, the option to funnel payments to European banking institutions makes it functional, even if “SEPA” is not explicitly stated.

Finotive Funding Features

• • Funded traders can access earnings on a weekly basis.
• • Variety in evaluative pathways includes single and double step challenges.
• • Options for bank transfer and wallet payout choices.
• • Solid risk management integrated with target profits.

Pros	Cons
Weekly payout opportunities.	Some traders report payout delays.
Multiple evaluation paths.	SEPA not always explicitly supported.
Offers bank transfer and wallet options.	Mixed reviews on support quality.
Friendly challenge structure.	Rules can be detailed and complex.

9. Alpha Capital Group

Alpha Capital Group is noted in some industry company listings and Internet discussions; however, the community feedback is mixed regarding their payout, account review process, and no one seems to have verifiable documentation regarding support for SEPA.

For European Union members, an internal bank transfer (through SEPA) is usually the last resort. If European traders have SEPA in mind, they must do their due diligence and confirm withdrawal support; then, they can accept the challenge with Alpha Capital.

Alpha Capital Group Features

• • Provides a range of funding challenges with different degrees of difficulty.
• • Trading instruments like forex and indices are supported.
• • Scaling potential for successful traders.
• • Low entry level for beginner and aspiring traders.

Pros	Cons
Multiple funding challenges available.	Community reports vary widely on payout reliability.
Decent scaling potential.	SEPA withdrawal clarity is low.
Supports popular trading instruments.	Some traders describe unclear customer service.
Accessible entry price points.	Rules and fees may not be thoroughly documented.

10. PropFirmPlus

PropFirmPlus is less popular among typical listings, however, like other small prop houses, it tends to provide funded challenges and offers payout options via bank/crypto transfer.

For European traders, bank transfer payouts that clear via SEPA (or via intermediaries like Wise) is the standard method to convert those payouts to EUR accounts.

Although PropFirmPlus is not the most prominent size, it can still be acceptable for EU traders who want a bank withdrawal above all else.

PropFirmPlus Features

• • Different challenges based on various trader types.
• • More flexible evaluation criteria than some other traditional firms.
• • Direct bank transfer payout potential.
• • Good for traders looking for different prop firm alternatives.

Pros	Cons
Offers funded challenge variations.	Smaller, less established firm.
Flexible evaluation structures.	Limited public info on payout methods.
Good for traders seeking variety.	Liquidity and support may be limited.
Potential for direct bank transfers.	SEPA support not widely confirmed.

How To Choose Best Prop Firms for EU Traders Using SEPA-Only Withdrawals

Check for SEPA withdrawals. Make sure the firm can send profits to an EU bank account.

Consider how fast they pay out. Choose firms that have fast and frequent SEPA-compatible payouts.

Look at the profit split. You will earn more for each successful trade with higher profit splits.

Check the evaluation criteria. Make sure the targets, drawdown limits, and style of trading align with your strategy.

Look at the cost of the challenge. Low evaluation costs mean less risk when you’re testing your trading abilities.

Check the instruments available to trade. Make sure the firm is a good fit for Forex, crypto, and indices.

Look for scaling opportunities. Firms that let you grow your funded accounts want to reward you for sustained good performance.

Check the reputation and reviews. Good firms have clear rules, support, and are trustworthy.

Evaluate support and responsiveness. Good support will help you when you have account and payout problems.

Consider how flexible their trading rules are. Make sure they allow swing trading, EAs, or hedging if you want that.

Conclusion

To conclude, identifying the most suitable proprietary trading firms for European investors who utilize SEPA-only withdrawals provides the easiest, safest, and most economical access to trading profits.

By weighing withdrawal processes, evaluation criteria, profit distribution, and scaling possibilities, European traders can identify firms that align with their approach.

Leading choices such as The Funded Trader, Lux Trading Firm, and SurgeTrader provide dependable SEPA-friendly solutions for success in trading.

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