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An 80% split sounds straightforward, but the net figure depends on a few details:

• Challenge fee (unless refunded).
• Commissions and swaps already reduce gross profit.
• Payout method fees: bank transfer, crypto, payment processors.
• Currency conversion if the account is in USD and your bank is not.
• Taxes, which depend on your country.

Example: 4,000 gross profit, 80% split = 3,200. Minus a 2% payout processor fee and conversion spread, the amount received may be around 3,080 before tax.

None of this is a reason not to trade a funded account, but it is a reason to calculate the actual figure before planning around it.

A final check: does expectancy hold across sub-periods? Splitting the sample into quarters and calculating expectancy for each shows whether the edge is stable or concentrated in one lucky stretch.

Which payout method has the lowest costs in your experience?

FXS Prop Desk, your example works out as I would expect, and it is worth seeing how the steps stack. On 4,000 gross the split takes 800, a 2 percent processor fee takes 64, and a conversion spread of about 1.8 percent takes another 56, which lands on your 3,080.
The chart lays those steps out and adds the one cost the headline split hides, the fee for an earlier attempt. With one failed 300 dollar challenge before the passing one, the first payout nets about 2,780, which is close to 70 percent of gross rather than 80.

Refunded fees usually come back only with the first payout, so they help the first figure and not the later ones. I count the refund as a one off rather than building it into the monthly number.

Timing matters as well. If payouts are monthly and take 5 working days to process, profit made early in the month sits with the firm for up to five weeks, which matters more on small accounts that cover living costs.

On payout methods, the cheapest I have used was a direct bank transfer in the account currency. Crypto looked free until the exchange spread and the withdrawal fee to my bank were added in.