NEOMAAA Funded $100K Account: Best Options Compared (2026)

Currently testing: I signed up for NEOMAAA Funded and started trading their accounts alongside my Lucid Trading and TakeProfitTrader setups. No payouts yet, but the onboarding was smooth and the trading conditions feel professional. What you're reading comes from active account usage, not marketing material.

If you want to compare all seven NEOMAAA Funded account types side by side, including Origin vs Prime pricing, profit targets, and which one fits your trading style, read my complete NEOMAAA Funded account types breakdown. For the absolute latest, check NEOMAAA Funded's website or their help center.

Seven different ways to trade $100K at NEOMAAA Funded. That's a lot of options for a firm that launched in September 2024. Some traders see variety and get excited. I see it and ask: which one is actually worth the money?

I've been trading NEOMAAA Funded accounts since they launched. Alongside my Lucid Trading and TakeProfitTrader positions. No payouts from NEOMAAA yet, but I've spent enough time with the platform to understand how each account type behaves in practice versus what the marketing materials suggest.

This guide puts all seven $100K accounts side by side and helps you pick the right one based on your trading style, risk tolerance, and budget.

All Seven $100K Accounts at a Glance

That's a lot of data. Let me break it down by who should pick what.

Cost-Effectiveness Ranking

Ranking these accounts purely on cost versus what you get:

1. NOVA 1-Step ($300) - Cheapest entry by far. Half the price of the next option. The catch: 30-day time limit on the evaluation and tighter drawdown at ~4% max trailing. You need to hit 6% profit within 30 days. That's aggressive but achievable for a disciplined trader.

2. 2-Step Origin ($485) - Best overall value. 8% max trailing drawdown is the widest available. Two evaluation phases at 6% each are reasonable targets. No time limit means zero pressure. The 30-day payout cycle is slow, but you're getting premium drawdown room at a budget price.

3. 2-Step Prime ($560) - Similar drawdown to 2-Step Origin (8% trailing) but with 14-day payouts. The evaluation targets are split 8%/5%, which is slightly harder than 6%/6%. Worth the $75 premium if faster payouts matter to you.

4. 1-Step Origin ($596) - One evaluation phase at 10%. Simpler path to funding. 7% max trailing drawdown and 4% daily limit. Good middle ground if you don't want to grind through two phases.

5. 1-Step Prime ($640) - Same 10% target as 1-Step Origin, but 14-day payouts. The drawdown is tighter at 5% trailing and 3% daily. Premium pricing for premium payout speed.

6. Instant Prime ($999) - No evaluation at all. Most expensive. Only makes sense if you'd otherwise fail evaluations and burn money on resets.

7. Instant Origin (Varies) - No evaluation, wider drawdown than Instant Prime. Pricing varies by account size.

Which $100K Account for Day Traders

Day traders close every position before the session ends. No overnight risk. Typically higher trade frequency.

Best pick: 2-Step Prime ($560)

Day traders benefit from the 5% daily drawdown limit, the widest daily limit among all NEOMAAA Funded accounts. That's $5,000 of intraday room on a $100K account. You can take bigger intraday positions without worrying about hitting the daily cap.

The 8% max trailing drawdown gives you room to absorb losing days without ending your account. And 14-day payouts mean you're extracting profits fast.

The evaluation targets of 8% and 5% across two phases are manageable for a day trader who averages 1-2% per week.

Runner-up: 1-Step Prime ($640) if you want a faster path through evaluation. One phase at 10% versus two phases. But you lose the 5% daily drawdown, dropping to 3%. For most day traders, that 3% daily cap will feel restrictive on volatile days.

Which $100K Account for Swing Traders

Swing traders hold positions overnight, sometimes for days. They need accounts that allow overnight holds and don't punish gap risk.

Best pick: 2-Step Origin ($485)

Origin accounts explicitly allow swing trading and overnight holds. The 8% max trailing drawdown is critical for swing traders because overnight gaps can eat into your buffer. The 4% daily drawdown is reasonable for a trader who's not making 10 trades per day.

No time limit on the evaluation means you can take your time finding setups. Swing traders often go days without a trade, and time-limited evaluations punish that approach.

The 30-day payout cycle is fine for swing traders who typically think in longer timeframes anyway.

Runner-up: 1-Step Origin ($596) if you want a single-phase evaluation. Slightly tighter max drawdown at 7% trailing, but still swing-friendly with no time limit.

Which $100K Account for Scalpers

Scalpers take many small positions throughout the day. They need tight spreads, fast execution, and enough daily drawdown room to survive the occasional bad streak.

Best pick: NOVA 1-Step ($300)

Hear me out. Scalpers who are confident in their strategy can pass a 6% evaluation target within 30 days without much trouble. The low price means if you blow the account, you're only out $300. Reset it for $255 (15% discount) and try again. Even three failed attempts cost less than one 1-Step Origin.

The 3-4% daily drawdown is workable for scalping because each trade is small. If you're risking 0.1-0.3% per trade, you'd need 10-40 consecutive losers to hit the daily limit.

The 80-90% profit split on NOVA is actually higher at the base level than Origin accounts (70-90%), which rewards scalpers who can generate consistent small profits.

Runner-up: 2-Step Prime ($560) for the 5% daily drawdown. But for scalpers specifically, the lower entry cost of NOVA makes more economic sense given the retry math.

Which $100K Account for Beginners

If you're new to prop trading and still refining your strategy, account selection is about minimizing financial risk while getting real trading experience.

Best pick: NOVA 1-Step ($300)

Lowest financial commitment. If you're learning, expect to fail at least a few evaluations. At $300 per attempt ($255 with the reset discount), you can afford to fail four times before matching the cost of a single 1-Step Origin attempt.

The 30-day time limit is actually beneficial for beginners. It forces you to trade actively rather than sitting on the sidelines overthinking. And the 6% profit target is lower than the 10% required on Origin and Prime evaluations.

Avoid: Instant accounts. $999 is too much to risk when you're still developing consistency. If you blow an instant account in week one, that's an expensive lesson you could have learned for $300.

The W35 Promo Impact

NEOMAAA Funded's W35 promo code drops all prices by 35% and adds a buy-one-get-one. That fundamentally changes the value equation.

The BOGO element is the game changer. At $315 with W35, a 2-Step Origin gives you two $100K accounts for less than one regular-priced account. That's $200K in evaluation capital for under $320.

If the promo is active when you're shopping, the decision matrix shifts. NOVA at $195 with a free second account means you get two evaluation attempts for less than $200 total. That's almost disposable.

Risk Tolerance Matching

Your drawdown tolerance should drive your account selection. Here's a simple framework.

Conservative (1% or less risk per trade): Go with 1-Step Prime ($640) or Instant Prime ($999). The 3% daily drawdown won't bother you because your individual trades are small. The tighter max drawdown (5% on 1-Step Prime, 4% on Instant Prime) is manageable with conservative position sizing.

Moderate (1-2% risk per trade): 2-Step Origin ($485) or 2-Step Prime ($560). The 4-5% daily drawdown handles your trade sizes. The 8% max trailing drawdown gives enough buffer for normal drawdown periods.

Aggressive (2-3% risk per trade): NOVA 1-Step ($300) or 2-Step Origin ($485). Aggressive traders need the cheapest possible entry because account blow-ups are more likely. NOVA's $300 price tag makes failure affordable. If you survive the evaluation, the 80-90% split rewards your higher returns.

Decision Flowchart

Here's how I'd walk through the decision:

Step 1: Can you afford to lose the fee? If $600+ hurts, start with NOVA ($300). If $999 is disposable income, Instant Prime is on the table.

Step 2: Do you hold trades overnight? Yes: Origin or Prime accounts (all allow swing trading). Avoid NOVA if overnight holds are core to your strategy, as the 30-day time limit combined with tighter drawdown can create pressure on swing setups.

Step 3: Do you want to skip the evaluation? Yes: Instant Prime ($999) or Instant Origin (varies). No: continue to step 4.

Step 4: Do you want fast payouts? Yes: Prime line (14-day payouts). 1-Step Prime at $640 or 2-Step Prime at $560. No: Origin line (30-day payouts). 1-Step Origin at $596 or 2-Step Origin at $485.

Step 5: One phase or two? One phase: 1-Step (higher target, faster path). Two phases: 2-Step (lower individual targets, wider max drawdown, cheaper).

My Personal Recommendation

If I had to pick one $100K account at NEOMAAA Funded for most traders, I'd go with the 2-Step Origin at $485.

The reasoning is straightforward. It has the widest max drawdown (8% trailing) of any evaluation account. The price is second-lowest among evaluation options. No time limit removes calendar pressure. The two evaluation phases at 6% each are achievable targets. And swing trading is fully allowed.

The only downsides: 30-day payout cycle is slower than Prime accounts, and you need to pass two phases instead of one. For most traders, those are acceptable trade-offs in exchange for the best risk terms and lowest cost combination.

For traders who prioritize speed, the 2-Step Prime at $560 offers the same 8% max drawdown with 14-day payouts. The $75 premium buys you payouts twice as fast.

For budget-conscious traders, NOVA at $300 is hard to beat on pure economics. Two failed NOVAs cost less than one successful Origin account. If you're profitable enough to pass the evaluation, the 80-90% split is competitive.

Common Rules Across All $100K Accounts

Every NEOMAAA Funded $100K account shares these rules.

Trailing drawdown converts to static after your first payout. This is one of the most trader-friendly mechanics in the prop firm space. Once you hit that first payout milestone, your risk management gets dramatically easier.

No minimum trading days during evaluation. You could theoretically pass in one trading day if you hit your target. Before your first funded payout, you need 5 effective trading days.

100% refund at second withdrawal. Your initial fee gets returned as part of your second payout. On 14-day accounts, that's roughly a month in. On 30-day accounts, roughly two months.

News trading is restricted on funded accounts. No opening or closing trades within 5 minutes of Tier 1 news releases. Applies only after you pass the evaluation. During evaluation, trade the news freely.

EAs are allowed, HFT is banned. Expert Advisors and automated strategies are fine. High-frequency trading patterns are not. Copy trading your own accounts across NEOMAAA is allowed. Copying between different users is prohibited.

Reset discount of 15%. If you fail an evaluation, you can retry at 85% of the original price. That makes retries on NOVA ($255), 2-Step Origin ($412), and other accounts more affordable.

Scaling to $400K. All accounts can double in size quarterly if you hit 10% net profit and keep daily losses under 5%. The maximum account size across all account types is $400K.

Platform Pricing Differences

One detail that catches people off guard: the account prices listed are for MT5 (MetaTrader 5). TradeLocker accounts cost approximately $5 more at each price point.

It's a small difference, but it adds up if you're buying multiple accounts. If you don't have a strong platform preference, MT5 saves you a few dollars.

Both platforms support the full range of order types, charting, and automation. MT5 has more indicator availability and depth of market. TradeLocker is web-based and doesn't require installation. The functionality gap is small enough that the $5 difference shouldn't drive your platform choice.

Payout Methods Across All Accounts

All $100K accounts at NEOMAAA Funded share the same payout infrastructure. USDT via TRC20 or ERC20 networks, PayPal, and Rise Pay.

First payout processes in 48-72 hours after you request it. After that, the cycle depends on your account type: every 14 days for Prime accounts and Instant Prime, every 30 days for Origin accounts, Instant Origin, and NOVA.

The bottom line: NEOMAAA Funded's seven-account lineup at $100K gives you genuine flexibility. The 2-Step Origin wins on pure value. NOVA wins on price. Prime accounts win on payout speed. Instant accounts win on convenience. Match the account to your trading style and budget, not the other way around.

Frequently Asked Questions

Which NEOMAAA Funded $100K account is the cheapest?

The NOVA 1-Step at $300 is the cheapest $100K account. It has a 6% profit target, 3-4% daily drawdown, approximately 4% max trailing drawdown, and a 30-day time limit on the evaluation. The profit split starts at 80-90%, which is higher at the base level than Origin accounts.

What's the most expensive $100K account at NEOMAAA Funded?

Instant Prime at $999 is the most expensive. It eliminates the evaluation entirely. You trade funded capital from day one with a 3% daily drawdown and 4% max drawdown. The premium covers immediate access to funded capital without any evaluation risk.

Which $100K account has the widest drawdown?

The 2-Step Origin and 2-Step Prime both have 8% max trailing drawdown, the widest among all NEOMAAA Funded $100K accounts. 2-Step Origin costs $485 and 2-Step Prime costs $560. The extra $75 for Prime gets you 14-day payouts instead of 30-day.

Do all NEOMAAA Funded $100K accounts have the same profit split?

Most accounts offer 70-90% profit split. The exception is NOVA 1-Step, which starts at 80-90%. The split increases based on your performance tier and scaling level, with 90% being the top end across all account types.

Can I use the W35 promo code on any $100K account?

The W35 promo provides 35% off plus buy-one-get-one on evaluation accounts. This drops the 2-Step Origin from $485 to approximately $315 and includes a free second account. Check NEOMAAA Funded's website for current promo availability, as promotions can change.

What happens if I fail a $100K evaluation?

NEOMAAA Funded offers a 15% discount on evaluation resets. So if you fail a 2-Step Origin ($485), your retry costs $412. A failed NOVA ($300) retries at $255. There's no limit on how many times you can reset, but each attempt costs money.

Which $100K account is best for day trading?

The 2-Step Prime at $560 is best for day traders because it has the widest daily drawdown at 5% ($5,000). That gives intraday traders the most room for position sizing. The 14-day payout cycle is also fast, and the 8% max trailing drawdown provides a solid safety net.

Do any $100K accounts have time limits on the evaluation?

Only NOVA 1-Step has a time limit: 30 days to hit the 6% profit target. All other evaluation accounts (1-Step Origin, 2-Step Origin, 1-Step Prime, 2-Step Prime) have no time limit. You can take as long as needed to pass.

Is the $100K the maximum account size at NEOMAAA Funded?

$100K is the largest starting account size. Through the scaling program, accounts can grow to $400K maximum. Scaling requires 10% net profit and less than 5% daily loss over a quarter. Meeting those criteria doubles your account size each quarter.

Which $100K account do you personally recommend?

For most traders, I recommend the 2-Step Origin at $485. It offers the widest max drawdown (8% trailing), no time limit, swing trading support, and a reasonable price. The 30-day payout cycle is slower than Prime, but the risk terms and cost make it the best overall package.