Head-to-head · Independent comparison
FTMO vs FundingPips
How FTMO and FundingPips stack up on profit split, pricing, payouts and the rules that bind a funded account — advertised claims separated from what we could verify.
The established benchmark: long track record, transparent objectives, documented scaling plan; $200K per-account ceiling before scaling.
Tiered split reaching 100% and a clear weekly payout rhythm; top tiers gated behind a consistency score.
On our five-dimension scorecard, FundingPips rates marginally higher overall — but the dimension-by-dimension breakdown below matters more than the average.
Advertised maximums
The numbers, head-to-head
Headline figures from the structured plan data for each firm. “Up to” splits and max funding are ceilings reached via tiers or scaling — not the figure every trader gets.
Profit split — headline maximum (%)
Higher is betterEntry price — lowest advertised ($)
Lower is betterMax funding — headline ($)
Higher is betterOur editorial scorecard (0–5)
Who wins each dimension
| Dimension | FTMO | FundingPips | Edge |
|---|---|---|---|
| Pricing & value | 3.0 | 5.0 | FundingPips |
| Profit split | 4.0 | 5.0 | FundingPips |
| Payout speed | 4.0 | 4.0 | Tie |
| Rules flexibility | 4.0 | 3.0 | FTMO |
| Transparency | 5.0 | 4.0 | FTMO |
Scores are The Prop Examiner’s editorial assessment, not user reviews. See our methodology.
Advertised vs verified
At a glance
FTMO
FundingPips
What actually binds you
Key trading rules compared
FTMO
| Phase / model | Rule | Published value |
|---|---|---|
| 1-Step | Profit target | 10% |
| 2-Step | Profit target | 10% (phase 1) + 5% (phase 2) |
| 1-Step | Daily loss limit | 3% |
| 2-Step | Daily loss limit | 5% |
| All | Max loss | 10% (1-Step uses end-of-day trailing) |
| 2-Step | Minimum trading days | 4 days |
FundingPips
| Phase / model | Rule | Published value |
|---|---|---|
| 1-Step | Profit target | 10% |
| 2-Step | Profit target | 8% (phase 1) + 5% (phase 2) |
| 1-Step | Daily loss limit | 3% |
| 2-Step | Daily loss limit | 5% |
| 1-Step | Max drawdown | 6% static |
| 2-Step | Max drawdown | 10% |
| 1-Step | Minimum trading days | 3 days |
| Funded | Consistency | 35% consistency score for 90% tier / on-demand (cycles exempt) |
Rules vary by product. For a plan-by-plan comparison, use the account comparison tool.
Balanced view
Pros & cons
FTMO
Strengths
- Long operating history and one of the most widely reviewed prop firms.
- Clear, published trading objectives and a documented scaling plan.
- 2-Step fee is refunded with the first reward.
- Both 1-Step (90% split) and 2-Step models available.
Cons & open risks
- Account sizes top out at $200K per account (scaling needed beyond that).
- 1-Step fee is not refunded after passing.
- Live checkout pricing and promos were not exposed without the purchase flow.
- As with all prop challenges, most buyers do not reach a payout.
FundingPips
Strengths
- Tiered split can reach 100% on a monthly reward cycle.
- Flexible reward cadence (on-demand / weekly / biweekly / monthly).
- Weekly “Tuesday Pay Day” payout rhythm.
- Low advertised entry price (from $29 on 2-Step Pro).
Cons & open risks
- The 100% / 90% split tiers require meeting a 35% consistency score.
- Exact instrument count and platform list were not published on official pages.
- Site is Cloudflare-protected, making independent re-verification harder.
- As with all prop challenges, most buyers do not reach a payout.
Our take
Which should you choose?
FundingPips rates marginally higher on our scorecard, but "better" depends on what you trade and the rules you can live within. Read each verdict, then verify the figures for your exact product before buying.
FTMO is the established benchmark in this space: a long track record, transparent objectives, and a documented scaling plan. The main limitations are a $200K per-account ceiling before scaling and a 1-Step fee that is not refunded. We could not confirm live pricing without entering checkout, so price-shop on the day you buy.
FundingPips stands out for a tiered split that reaches 100% and a clear weekly payout rhythm, with a low entry price. The catch is that the top split tiers are gated behind a consistency score, and several details (instrument count, platform list, some targets) were not published on official pages. Compare the consistency requirement against your trading style before buying.
Affiliate disclosure: The Prop Examiner is an independent project and may earn a commission if you sign up through some of our links. We are not affiliated with any firm reviewed. Trading challenges are simulated/educational products; no profits or payouts are guaranteed.
Common questions
FTMO vs FundingPips FAQ
- Is FTMO or FundingPips better?
- Our independent ratings: FTMO 4.4/5, FundingPips 4.1/5. FundingPips edges it on our scorecard, but the right pick depends on your market, budget and the rules you can trade within.
- Which is cheaper to start, FTMO or FundingPips?
- Lowest advertised entry price: FTMO from $155, FundingPips from $224. FTMO has the lower starting price, but compare like-for-like account sizes — cheapest is not always best value.
- Which has the higher profit split, FTMO or FundingPips?
- Headline ("up to") maximums: FTMO 90%, FundingPips 100%. FundingPips advertises the higher ceiling — but top splits are usually gated behind tiers or scaling, not what every trader gets.
- Does FTMO or FundingPips pay out faster?
- FTMO: 2-Step rewards processed bi-weekly; ~8h avg processing stated. FundingPips: “Tuesday Pay Day” weekly; on-demand/weekly/biweekly/monthly selectable. Payout speed and eligibility depend on the product and on meeting each firm's rules; no payout is guaranteed.
Cited & dated
Sources
Figures trace to each firm’s own pages, accessed on the dates shown. Re-verify before relying on any number — pricing and promos change.
- 1.FTMO — how it works· accessed 2026-06-17
- 2.FTMO — trading objectives· accessed 2026-06-17
- 3.FTMO — reward, growth & scaling plan· accessed 2026-06-17
- 4.FTMO — why is there a fee (refund terms)· accessed 2026-06-17
- 5.FundingPips — homepage· accessed 2026-06-17
- 6.FundingPips — trading objectives· accessed 2026-06-17
- 7.FundingPips — 1-step model· accessed 2026-06-17
- 8.FundingPips — rewards / Tuesday Pay Day· accessed 2026-06-17
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