FundingPips Review
FundingPips is a CFD prop firm running five simulated-account models: Zero (funded with no evaluation, 3% daily loss, 5% trailing max loss, 95% biweekly), 1 Step Flex (single phase, 12% profit target, 12% max loss, 85% biweekly), 2 Step Standard (8% then 5% targets, 5% daily, 10% max loss, 60% weekly to 100% monthly), 2 Step Flex (10% then 6% targets, 4% daily, 12% max loss, 85% or 95% biweekly) and 2 Step Pro (6% targets, 3% daily, 6% max loss, 80% weekly). Entry is $29 for a $5,000 2 Step Pro and $422 for the same model at $100,000. Maximum allocation is $400,000 and the largest account sold is $200,000. The firm reports 3M+ traders across 195+ countries and $310M+ in rewards, and its Trustpilot profile stood at 4.5 out of 5 from 69,253 reviews on 23 September 2026.
Up to 100%, with conditions
Challenges from $29
Max allocation $400K
Trustpilot 4.5 out of 5
FundingPips at a Glance
Who is FundingPips?
FundingPips — multi-asset CFD prop firm
Operating across 195+ countries
FundingPips is one of the largest prop firms in the world by registered users. Its own counters, read on 23 September 2026, give $310M+ distributed to 3M+ traders across 195+ countries, with entry from $29 and a maximum allocation of $400,000. It routes trades through Tradin, its own broker, rather than a third party.
Read this before the marketing: the accounts are simulated. You are trading a demo feed against the firm’s risk book, not client capital in a live market, and the “up to 100%” on the homepage is one reward cycle on one of five models. The rest pay 60% to 95%.
What 69,253 traders say on Trustpilot
★ 4.5 / 569,253 reviews on Trustpilot, 82% of them five-star✓ No consumer alert on the profile
Read the score on Trustpilot, not on the homepage. The badge on fundingpips.com says “4.8 rated” next to that same 69,253 review count. Trustpilot’s own page for fundingpips.com showed 4.5 when we checked it on 23 September 2026. The review count matches; the score does not.
Why it matters: 69K reviews is one of the largest samples in prop trading, and Trustpilot has not attached a consumer alert to the profile — the warning it does place on some firms in this sector.
What it costs and what you keep
Cheapest entry: $29 for a $5,000 2 Step Pro challenge. The 2 Step Standard at the same size is $36, and the Zero account, which skips the evaluation entirely, is $60. Maximum allocation is $400,000; the largest account you can buy outright is $200,000, and the rest is reached by scaling.
What you keep depends on the model and on how long you wait — from FundingPips’ own checkout data, read 23 September 2026:
| Model | Reward cycle | Your share |
|---|---|---|
| Zero | Every 14 days | 95% |
| 1 Step Flex | Every 14 days | 85% |
| 2 Step Standard | Weekly / 14 days / monthly / on demand | 60% / 80% / 100% / 90% |
| 2 Step Flex | Every 14 days | 85% or 95% |
| 2 Step Pro | Weekly | 80% |
What “up to 100%” actually means: it is the monthly cycle on one model, the 2 Step Standard. Take your reward weekly on that same model and the split is 60%. Across the five models the realistic range is 80–95%, and only patience buys you the top of it.
Platforms & Markets
Three trading platforms supported — verified from fundingpips.com:
Match-Trader
Modern, web + mobile
MetaTrader 5
EA-friendly, full FX
cTrader
Level-II depth, algo
Asset coverage: 60+ FX pairs, indices (US30, NAS100, SPX500, GER40), metals (XAUUSD, XAGUSD), oil, and select crypto CFDs.
Challenge Mechanics
Step 1 (Evaluation): Reach 10% profit target with 3-5% daily drawdown and 6-10% maximum drawdown limit.
Step 2 (Verification): Lower profit target, same drawdown rules.
Master Stage: Once equity reaches 5% profit, max loss limit is locked at initial balance — quoted from fundingpips.com terms.
Step 2 (Verification): Lower profit target, same drawdown rules.
Master Stage: Once equity reaches 5% profit, max loss limit is locked at initial balance — quoted from fundingpips.com terms.
Why it matters: The "locked at initial balance" mechanic at Master Stage is a static drawdown — friendlier than perpetually trailing limits.
The 3 Rules That Fail Traders
Three rules that fail the most FundingPips traders:
- Daily Drawdown (3-5%) — Tighter than competitors. On smaller accounts the absolute dollar buffer is small ($150-$250 on $5K).
- Maximum Drawdown (6-10%) — Hitting this kills the account permanently. Floating losses count.
- Consistency on Master Stage — Many traders pass Steps 1-2 then hit consistency issues post-funding. Read terms before scaling positions.
What kills accounts: Holding floating losses overnight on tight $5K-$10K accounts where 3% daily DD = $150-$300.
Top FundingPips Alternatives
FTMO
Original CFDs prop firm. 90% split, 4.8 Trustpilot. More expensive entry but strongest regulatory footing (Czech Republic, e-money regulated affiliate).
Best if: you prioritise reputation and regulatory clarity over entry price. Read the full FTMO review.
FundedNext
15% Challenge Phase reward, up to 95% split, 463K+ accounts, news trading allowed. Slightly higher entry cost than FundingPips.
Best if: you want to earn during the challenge itself. Read the full FundedNext review.
The5%ers
Instant funding from $6K, scaling to $4M, profit splits up to 100%. Premium pricing but no evaluation phase.
Best if: you have capital and want to skip evaluation. Read the full The5%ers review.
Goat Funded Trader
Direct competitor at similar price point. Often compared against FundingPips on cost-per-$1K basis. Slightly higher max drawdowns.
Best if: you want a budget alternative with similar features. Read the full Goat Funded Trader review.
Other low-cost challenge firms we have reviewed include TopOne Trader and Titan Capital Markets.
What are FundingPips' position limits and drawdown rules?
2 Step Standard
Price, $5K to $200K$36 — $522 (no $200K)
Profit target8% then 5%
Daily loss limit5%
Max loss10%
Min trading days3 per phase
Reward split60% weekly to 100% monthly
The only FundingPips model that reaches a 100% split, and only on the monthly cycle. It also carries the most drawdown room of the two-step plans: 10% max loss against 6% on the Pro.
2 Step Pro
Price, $5K to $200K$29 — $844
Profit target6% then 6%
Daily loss limit3%
Max loss6%
Min trading days2 per phase
Reward split80%, weekly
The cheapest way in at $29, and the lowest targets, but the tightest leash: 3% daily and 6% total. On a $5,000 account that is $150 of daily room and $300 in all. One of only two models sold at the $200,000 size.
2 Step Flex
Price, $5K to $100K$32 — $499
Profit target10% then 6%
Daily loss limit4%
Max loss12%
Min trading days1 per phase
Reward split85% or 95%, every 14 days
The most drawdown room of any FundingPips plan at 12%, and only one trading day required per phase, paid for with a higher 10% first-phase target. Stops at the $100,000 size.
1 Step Flex and Zero
1 Step Flex price$66 — $533
1 Step Flex rules12% target, 3% daily, 12% max loss, no minimum days
Zero price$60 — $888
Zero rulesNo evaluation, 3% daily, 5% equity-trailing max loss, 7 trading days
Reward split85% (1 Step Flex) / 95% (Zero), every 14 days
Two shortcuts, priced accordingly. 1 Step Flex collapses the evaluation into a single 12% phase with no minimum days. Zero skips it entirely, but its max loss trails your equity at 5% rather than sitting still at the starting balance, so a good week raises the level you have to stay above.
How does the FundingPips consistency rule work?
Evaluation Stage
Profit targets: 8% then 5% (2 Step Standard), 6% then 6% (2 Step Pro), 10% then 6% (2 Step Flex), 12% in a single phase (1 Step Flex).
Daily loss limit: 3% on Pro and 1 Step Flex, 4% on 2 Step Flex, 5% on 2 Step Standard.
Max loss: 6% on Pro, 10% on Standard, 12% on both Flex models.
Minimum trading days: 1 to 3 per phase, none on 1 Step Flex.
Time limit: None on any model.
Daily loss limit: 3% on Pro and 1 Step Flex, 4% on 2 Step Flex, 5% on 2 Step Standard.
Max loss: 6% on Pro, 10% on Standard, 12% on both Flex models.
Minimum trading days: 1 to 3 per phase, none on 1 Step Flex.
Time limit: None on any model.
There is no single set of FundingPips rules — the limits move with the model you buy, and the cheapest model is the strictest one. Read the row for the plan you are actually buying, not the headline.
Master (Funded) Stage
Max loss at Master stage: the same percentage as the evaluation — 6% on Pro, 10% on Standard, 12% on the Flex models — measured from the starting balance.
Zero accounts are the exception: 5% trailing against equity, so the level rises as you profit.
Daily loss limit: unchanged from the evaluation.
Reward split: 60% to 100% depending on the model and the cycle you choose.
Maximum allocation: $400,000 across your accounts.
Zero accounts are the exception: 5% trailing against equity, so the level rises as you profit.
Daily loss limit: unchanged from the evaluation.
Reward split: 60% to 100% depending on the model and the cycle you choose.
Maximum allocation: $400,000 across your accounts.
An earlier version of this page said the max loss locks at the initial balance once you are 5% in profit, and that accounts scale to $2M. Neither appears in FundingPips’ current plan data: the four evaluated models use a static limit from the start, Zero trails, and the published ceiling is $400,000.
Payout & Reward Cycle
Zero: every 14 days, 95%.
1 Step Flex: every 14 days, 85%.
2 Step Flex: every 14 days, 85% or 95%.
2 Step Pro: weekly, 80%.
2 Step Standard: weekly 60%, every 14 days 80%, monthly 100%, or on demand 90%.
1 Step Flex: every 14 days, 85%.
2 Step Flex: every 14 days, 85% or 95%.
2 Step Pro: weekly, 80%.
2 Step Standard: weekly 60%, every 14 days 80%, monthly 100%, or on demand 90%.
The trade is explicit: the sooner you take the money, the smaller your share. FundingPips states a “Zero Reward Denial” policy on its homepage and reports $310M+ distributed across 3M+ registered traders. Those are the firm’s own counters, not audited figures.
Trading Rules
Platforms: MT5 and Match-Trader at no extra cost, cTrader +$20, TradeLocker +$5. No MT4.
Swap-free: an add-on, roughly +10% on the ticket.
Minimum trading days: 3 per phase on 2 Step Standard, 2 on Pro, 1 on 2 Step Flex, none on 1 Step Flex, 7 on a Zero account.
Instrument coverage: CFDs only — forex, indices, metals, commodities and crypto. No futures.
Swap-free: an add-on, roughly +10% on the ticket.
Minimum trading days: 3 per phase on 2 Step Standard, 2 on Pro, 1 on 2 Step Flex, none on 1 Step Flex, 7 on a Zero account.
Instrument coverage: CFDs only — forex, indices, metals, commodities and crypto. No futures.
News-trading and weekend-holding permissions differ by model — the 2 Step Flex funded account restricts trading around news, for instance. FundingPips publishes a separate help-centre article for each plan; read the one for the plan you are buying rather than assuming a house rule.
How Much Does FundingPips Cost? Price Per $1,000 Funded
Challenge Cost
FundingPips’ entry ticket is $29 for a $5,000 2 Step Pro account — the cheapest of the firms compared on this page. The 2 Step Standard at the same size is $36.
Cost per $1,000 of simulated capital, at list price: $5.80 on the $5K 2 Step Pro ($29 ÷ 5) and $4.22 on the $100K 2 Step Pro ($422 ÷ 100). On the 2 Step Standard the same two points are $7.20 and $5.22. The price per unit of capital falls as the account gets bigger, so the cheapest headline ticket is never the cheapest capital.
Disclosure: the FundingPips links on this page are affiliate links and Top30ForexBrokers earns a commission on purchases made through them. Prices and rules are FundingPips’ own, read from its checkout on 23 September 2026; check fundingpips.com before buying.
Spreads & Commission
FundingPips uses raw ECN-style spreads across Match-Trader, MT5 and cTrader. Per-lot commission is platform-defined and shown in your trading dashboard.
Indicative round-trip costs:
• Major FX: ~$3-4 / round-trip lot
• XAUUSD: ~$5-7 / round-trip lot
• Indices CFD: spread-only on most
• Major FX: ~$3-4 / round-trip lot
• XAUUSD: ~$5-7 / round-trip lot
• Indices CFD: spread-only on most
Confirm exact figures in your dashboard before live trading.
Cost vs Competitors
For a $100K two-step evaluation, every row below is the firm’s list price — no discount code applied to any of them:
| Firm and plan | $100K cost | Cost / $1K |
|---|---|---|
| FundingPips 2 Step Pro | $422 | $4.22 |
| FundingPips 2 Step Standard | $522 | $5.22 |
| FundedNext Stellar 2-Step | $529.99 | $5.30 |
| FTMO Challenge, 2-step | €540 | €5.40 |
Edge: at list price FundingPips is the cheapest of the three — $4.22 per $1,000 on the 2 Step Pro against $5.30 at FundedNext — but the Pro pays 80% weekly, not 100%. The FundingPips plan that reaches 100% is the 2 Step Standard at $522, and only on a monthly cycle.
Sources, checked 23 September 2026: FundingPips and FundedNext prices are read from each firm’s own checkout data; the FTMO figure is the published price for the €-denominated $100,000 Challenge. The FTMO row is quoted in euros and is not converted here, so treat it as indicative rather than directly comparable.
Which countries cannot use FundingPips?
Restricted Countries (195+ Supported)
FundingPips operates in 195+ countries — one of the most permissive prop firms globally. FundingPips’ own help centre states that services are “not offered to residents of certain jurisdictions, including countries on the FATF and EU/UN sanctions lists, Vietnam, and UAE” (read 23 September 2026). Vietnam and the UAE are named outright; the rest below follow from those sanctions lists:
🇦🇪 UAE🇻🇳 Vietnam🇰🇵 N. Korea🇮🇷 Iran🇨🇺 Cuba🇸🇾 Syria🇷🇺 Russia🇧🇾 Belarus
Why it matters: the UAE exclusion is unusual; most prop firms accept UAE traders. Only Vietnam and the UAE are named by FundingPips itself — the others follow from the FATF and EU/UN sanctions lists it points to, and those lists change. Check the help centre before buying.
Video Guides & Reviews
Watch: 4 FundingPips Reviews
Four community video reviews of FundingPips — challenge rules, payout proof, beginner guide, and FTMO comparison.
FundingPips Pros and Cons
✅ Pros
- Cheapest entry of the firms compared here: $29 for a $5,000 2 Step Pro challenge
- Five models, from a Zero account with no evaluation to two flex variants carrying a 12% max loss
- Reward split rises with the cycle you choose — up to 100% monthly on the 2 Step Standard
- 95% biweekly on the Zero account and on the upper 2 Step Flex tier
- 4.5 / 5 on Trustpilot from 69,253 reviews, with no consumer alert on the profile
- $310M+ distributed, 3M+ registered traders, 195+ countries (FundingPips’ own published figures)
- Runs its own broker, Tradin, rather than routing through a third party
- Four platforms: MT5, Match-Trader, cTrader and TradeLocker
⚠️ Cons
- The headline 100% split applies to one model on one cycle; the same model pays 60% weekly
- Daily loss limits are tight — 3% on Zero and on 2 Step Pro, 4% on 2 Step Flex
- Maximum allocation is $400,000, well below the $2M ceilings advertised elsewhere in the sector
- Only two of the five models (Zero and 2 Step Pro) are sold at the $200,000 size
- Zero’s drawdown trails equity at 5%, so open profit is not locked in the way a static drawdown locks it
- cTrader adds $20 to the ticket and the swap-free add-on adds roughly 10%
- CFDs only — no futures product
- A simulated environment: you are trading a demo feed, not a live book
How much does a FundingPips prop firm account cost?
Every figure below is the standard price at fundingpips.com, read from the firm’s own checkout data on 23 September 2026. No discount code is applied to any of them.
| Account | Zero | 1 Step Flex | 2 Step Standard | 2 Step Flex | 2 Step Pro |
|---|---|---|---|---|---|
| $5,000 | $60 | $66 | $36 | $32 | $29 |
| $10,000 | $88 | $99 | $66 | $59 | $55 |
| $25,000 | $188 | $211 | $177 | $159 | $134 |
| $50,000 | $244 | $313 | $299 | $269 | $224 |
| $100,000 | $444 | $533 | $522 | $499 | $422 |
| $200,000 | $888 | — | — | — | $844 |
Cost per $1,000 of simulated capital: the $29 ticket on a $5,000 2 Step Pro works out at $5.80 per $1,000. The same model at $100,000 costs $422, or $4.22 per $1,000 — the price per unit of capital falls as the account grows, which is true at every prop firm and is the main reason the small accounts look cheap and are not.
Three things the table does not show. At $200,000 only the Zero and 2 Step Pro models are sold; the other three stop at $100,000. At $100,000 three plans were marked down when we checked — 1 Step Flex from $569, 2 Step Standard from $544, 2 Step Flex from $555 — so those three prices may move back up. And the platform you pick changes the ticket: cTrader adds $20, TradeLocker adds $5, MT5 and Match-Trader add nothing, while the swap-free add-on costs about 10% more.
Prices change. Confirm the figure at the FundingPips checkout before buying; the links on this page are affiliate links and Top30ForexBrokers earns a commission on purchases made through them.
FundingPips vs FTMO vs FundedNext
FundingPips against the two firms it is most compared with:
| Feature | FundingPips | FTMO | FundedNext |
|---|---|---|---|
| Reward split | 60%–100%, by model and cycle | 90% | Up to 95% |
| Cheapest entry | $29 | ~€89 | ~$59 |
| $100K two-step, list | $422 (Pro) / $522 (Standard) | €540 | $529.99 |
| Largest account sold | $200K | $200K | $200K |
| Allocation ceiling | $400K | $2M by scaling | Set by the firm |
| Master-stage drawdown | Static 6–12%; Zero trails equity at 5% | Static | Balance-based |
| Reward cycle | Weekly, 14-day, monthly, on demand | Bi-weekly | 5-day / bi-weekly |
| Trustpilot | 4.5 / 69,253 | 4.8 (score only, no count) | 4.5 / 79K+ |
Verdict: FundingPips wins on entry price ($29 against about €89 at FTMO) and gives you more control over the reward cycle than either rival. It does not win on scale: its allocation stops at $400,000 while FTMO’s Scaling Plan reaches $2,000,000. Its headline 100% split is one cycle on one model, not the default. FTMO has the higher Trustpilot score.
Sources, checked 23 September 2026: the FundingPips column comes from the firm’s own checkout data and homepage (“Max Allocation $400K”). FTMO’s largest Challenge is $200,000; its Scaling Plan reaches $2,000,000. An earlier version of this table claimed a $2M ceiling, a flat 100% split, daily payouts and 56,288 reviews for FundingPips; none of those hold up.
Is FundingPips legit and worth it?
★ 4.5 / 5 · 69,253 Trustpilot reviews
From $29 · rewards 60–100%
FundingPips
Five models · From $29 · Rewards 60–100%
★ 4.5 / 5 · 69,253 reviews
$310M+ paid · 3M+ traders
$400K MAX ALLOCATION
Try FundingPips →Advertising disclosure: the FundingPips links on this page are affiliate links. Top30ForexBrokers is paid a commission if you buy a challenge after clicking through. That is how this page is paid for. It does not change the prices, drawdown limits or consistency rules described above — those come from FundingPips’ own published terms and you should confirm them on fundingpips.com before you buy.
Why traders pick FundingPips: the cheapest challenge entry of the firms compared on this page (from $29 at list price), a choice of five rule sets rather than one, no time limit on any evaluation, and $310M+ already distributed to over 3M registered traders. At list price the $100K 2 Step Pro works out at $4.22 per $1,000 of simulated capital, against $5.30 at FundedNext — cheapest of the three compared here, though we have not priced every firm in the category. What the marketing does not say as clearly: the advertised 100% reward split is the monthly cycle on one model, the 2 Step Standard, which pays 60% if you take the money weekly, and the maximum allocation is $400,000 rather than the $2M ceilings quoted elsewhere in the sector. 4.5/5 on Trustpilot across 69,253 reviews with no consumer alert is one of the strongest reputational signals among CFD prop firms, although FundingPips’ own homepage badge shows 4.8 against that same review count. What this page still cannot tell you: FundingPips’ registered company name, its jurisdiction and its registration number are not published on fundingpips.com, so they are not stated here. A company registration is not financial regulation in any case: there is no client-money segregation requirement and no compensation scheme behind a prop-firm challenge, and your recourse in a dispute is the firm’s own process.
Frequently Asked Questions
FundingPips is a multi-asset CFD prop firm that funds traders on simulated accounts. It sells five models — Zero, 1 Step Flex, 2 Step Standard, 2 Step Flex and 2 Step Pro — in sizes from $5,000 to $200,000, with a maximum allocation of $400,000 across a trader’s accounts, and states that it operates in 195+ countries. What a funded trader keeps depends on the model and on how often the reward is taken: the range runs from 60% to 100%.
No. FundingPips supports three platforms — Match-Trader, MetaTrader 5 and cTrader — and MT4 is not among them. MT5 and cTrader both accept expert advisors, so EA and algorithmic strategies are still possible; Match-Trader is the web and mobile option.
The headline features are five account models rather than one. The 2 Step Standard runs an 8% then 5% target with a 5% daily and 10% maximum loss, and pays from 60% weekly up to 100% monthly. The 2 Step Pro is cheaper at $29 but tighter, with 3% daily and 6% maximum loss, paying 80% weekly. The two Flex models allow 12% maximum loss, and the Zero account skips the evaluation entirely in exchange for a 5% drawdown that trails your equity. No model has a time limit. Maximum allocation is $400,000 and trading runs on MT5, Match-Trader, cTrader or TradeLocker.
Entry starts at $29 for a $5,000 2 Step Pro challenge, or $36 for the 2 Step Standard at the same size. At $100,000 the same two plans cost $422 and $522 — about $4.22 and $5.22 per $1,000 of simulated capital. The Zero account, which skips the evaluation, runs from $60 at $5,000 to $888 at $200,000. cTrader adds $20 to any ticket and the swap-free add-on adds roughly 10%. These are list prices read from the FundingPips checkout on 23 September 2026; confirm the figure at checkout before buying.
For: entry from $29, no time limit on any evaluation, a choice of five rule sets rather than one, a reward split that reaches 100% if you are willing to cash out monthly, and 4.5 on Trustpilot from 69,253 reviews with no consumer alert. Against: the 100% split applies to one model on one cycle while the same model pays 60% weekly, the daily loss limits are tight at 3–5%, maximum allocation stops at $400,000, the Zero account’s drawdown trails equity rather than locking, and there is no MT4 and no futures product.
This page does not publish a leverage figure for FundingPips, and terms can differ between plan types, so the plan you buy is the only reliable source — check it at checkout. What the page does document are the limits that matter more in practice than the leverage cap: a 3-5% daily drawdown and a 6-10% maximum drawdown during evaluation, with floating losses counted.
On cost, FundingPips is the cheaper route: a $100K two-step evaluation is $422 on its 2 Step Pro or $522 on the 2 Step Standard, against roughly €540 at FTMO. FundingPips also gives you more say over the reward cycle, from weekly to monthly, where FTMO pays a flat 90% every two weeks. FTMO wins on scale — its Scaling Plan reaches $2,000,000 against a $400,000 allocation ceiling at FundingPips — on Trustpilot score, and on regulatory clarity through its Czech-regulated affiliate. Cost and flexibility favour FundingPips; scale and regulatory footing favour FTMO.
The alternatives compared on this page are FTMO (90% split, stronger regulatory footing, higher entry cost), FundedNext (a 15% challenge-phase reward, split up to 95%, news trading allowed), The5%ers (instant funding from $6K with no evaluation, scaling to $4M) and Goat Funded Trader (a similar price point with slightly higher maximum drawdowns).
Yes. Challenges are sold in six sizes — $5K, $10K, $25K, $50K, $100K and $200K — but not every model is sold at every size: at $200,000 only the Zero and 2 Step Pro accounts are available, and the other three stop at $100,000. Rules do not change with size; they change with the model. What does change is the cost per unit of capital: the 2 Step Pro is $5.80 per $1,000 at the $5,000 size and $4.22 per $1,000 at $100,000.
Because the rules decide the outcome more than the headline numbers do. The 100% split and the $33 entry are the marketing; the 3-5% daily drawdown, the 6-10% maximum drawdown that counts floating losses, the consistency requirement at Master stage, the restricted-country list and the absence of MT4 are what actually fail traders or rule the firm out. This review sets those side by side before you pay.