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FundingPips review
FundingPips offers 1-step, 2-step, 2-step Pro, and an instant (“Zero”) model, with a tiered profit split that can reach 100% on a monthly reward cycle.
Evidence desk · Independent analysisLast updated
Our rating
The Prop Examiner verdict-in-brief
Tiered split reaching 100% and a clear weekly payout rhythm; top tiers gated behind a consistency score.
100%
Profit split (up to)
$224
Entry price (from)
$200K
Max funding (headline)
Scorecard
Five dimensions, scored 0–5
4.2
avg
Pricing & value
5.0/5
Profit split
5.0/5
Payout speed
4.0/5
Rules flexibility
3.0/5
Transparency
4.0/5
Advertised vs verified
At a glance
Advertised claims vs what we could verify. “Up to” figures are maximums; rows flagged verify before launch are unconfirmed.
Every figure traces to the cited & dated sources below.
What actually binds you
Key trading rules
Where challenges are won or lost — sourced from FundingPips’s own pages. Rules vary by product; the per-plan breakdown follows.
| 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 verified from FundingPips' 1-step and trading-objectives pages on the access date. 2-Step Pro per-phase targets and 2-step minimum trading days were not separately re-confirmed; verify on the firm's pages.
EAs, algos, bots & copy trading
Automation & AI policy
RestrictiveThe Prop Examiner verdict on automation
RESTRICTIVE — your own provable EA can fully automate, but third-party EAs are limited to trade/risk-manager use, copy trading is banned, a broad prohibited-strategy list (HFT, tick scalping, latency/arbitrage, gap, hedging) applies, EAs are banned in competitions, and deliberate news trading is barred.
| Policy area | What the firm states |
|---|---|
| Expert Advisors (EAs) | Limited — your own EA is allowed (full automation permitted) provided you can prove ownership on request (source code, version history, dev environment, or explaining the EA logic on a live call); third-party EAs are permitted only when used strictly as a trade/risk manager, not to fully automate decisions; all EAs are prohibited on the Monthly Competition. |
| Algorithmic trading | Limited — automated/algo trading allowed on evaluation and funded phases via your own EA under the ownership-proof condition; fully outsourced auto-execution via third-party EAs is restricted. |
| Copy trading | Banned — "Copy trading with others or account management by a third-party vendor is also prohibited". |
| HFT / tick scalping | Banned — prohibited strategies list includes high-frequency trading, latency arbitrage, tick scalping, server spamming/execution, toxic trading flow, long-short/reverse arbitrage, opposite-account trading, gap trading, hedging, and churning. |
| Trading bots / AI | Limited — bot/EA automation allowed only via your own (ownership-provable) EA; mass/third-party full-automation bots restricted, and no AI/ML-specific carve-out is published. |
| News trading | Restricted — evaluation: no restriction on holding through news but deliberately trading news is prohibited; funded/Master accounts (1-Step, 2-Step Standard, 2-Step Pro): cannot open/close within a 10-minute window around high-impact (red-folder) news on affected pairs, and trades opened 5h before are excluded; FundingPips Zero: news trading and weekend holding prohibited. |
| Automation platforms | MT5 EAs (MetaTrader 5 is the automation platform referenced; FundingPips publishes MT5 automation guidance and the 1K Instant runs on MT5). cTrader/Match-Trader/TradeLocker availability for automation not confirmed on a fetched official page.verify |
Verbatim policy from FundingPips. Items flagged verify are unconfirmed — check the firm’s terms for your product. Educational information, not trading advice.
Looking to compare automation rules across firms? See our best prop firms for AI, algo & EA trading ranking.
What you trade on & what binds the funded account
Platforms & funded-account rules
What binds a funded account: platforms, post-funding consistency, scaling, refunds, time and position limits, weekend / news rules. Each value links its ↗ source; = explainer; verify = unconfirmed.
Trading platforms provided
Payouts & timing
Payout frequency
Trader-selectable reward cycle: Weekly (60% split) · Bi-Weekly (80%) · Monthly (100%) · On-Demand (90%). Approved payouts settle in the weekly "Tuesday Pay Day" window; intervals counted in calendar days.
First payout
Governed by the selected cycle (first request after the chosen interval elapses); On-Demand requires 35% consistency + 2% profit. No fixed first-payout day count published. verify
Minimum payout
Minimum withdrawal = 1% of initial account balance (including the firm's split). On-Demand minimum reward = 2% of Master account size. Firm markets "no withdrawal fees," though a ~$10 per-transaction fee / third-party processing costs are reported. verify
Payout speed
Published SLA: 24h for Rise & crypto, 48h for Wise, 3–5 business days for SWIFT; often 6–12h in practice once approved. verify
Profit-split scaling
Split is selected by reward CYCLE rather than scaling over time: Weekly 60% · Bi-Weekly 80% · Monthly 100% · On-Demand 90% (1-Step & 2-Step Standard). 2-Step Pro shows Weekly/Daily 80% with optional Swap-Free add-on (+10%). Zero = Bi-Weekly 95%. Choosing a longer cadence yields a higher split (it does not auto-scale with tenure).
Payout / profit cap
On-Demand minimum reward = 2% of Master account size and requires 35% consistency + 2% profit; no explicit maximum first-payout cap surfaced. "No withdrawal fees" stated. verify
Refundable fee
No fee refund stated on the public product/help pages reviewed (FundingPips markets "no withdrawal fees" but does not advertise a challenge-fee refund on first payout). verify
Funded consistency rule
On the funded ("Master") account the 35% Consistency Score applies ONLY when the On-Demand reward cycle (90% split) is used — no single day may exceed 35% of total withdrawable profit. The Weekly (60%), Bi-Weekly (80%) and Monthly (100%) cycles have NO consistency rule. The Zero (instant) model carries a 15% consistency rule at every payout. Not an evaluation-phase pass gate on the standard challenges.
Funded-account rules & cost
Cost
Cheapest entry "from $29" (2-Step Pro $50K headline before promo $224). $50K reference prices: 2-Step Pro $224 < 2-Step Standard $299 < 1-Step $322; Zero $50K $244. Promo GOAL20 = 20% off (excludes 100K 1-Step & 2-Step). Per-size ladders render only at checkout.
Payment methods (to buy)
Visa/Mastercard, crypto (USDT/USDC on ERC20 or TRC20, plus others), bank/wire transfer, PayPal, Apple Pay, Google Pay, Skrill, Neteller, Paysafe Card, and Astropay. Available methods vary by region. verify
Time limit
No evaluation time limit (unlimited). Min trading days: 3 (1-Step), 3 per phase (2-Step Standard), ~1 per phase (2-Step Pro), 7 (Zero).
Inactivity rule
Account closed after extended inactivity; general expectation is at least one trade every ~30 days. Exact published timeframe is inconsistent across sources. verify
Max position / lot limit
Hard 20-lot-per-trade cap enforced at platform level on a $50K account (per-click limit, cannot be overridden by margin/leverage). Scales with account size. verify
Weekend / overnight holding
Evaluation phases — weekend & overnight holding allowed for all instruments on 1-Step, 2-Step Standard, 2-Step Pro. Funded Master accounts — weekend holds temporarily NOT allowed across all four paid models; open trades auto-close at Friday market close (on 1-Step / 2-Step Standard / 2-Step Pro this auto-close is not a hard breach).
News trading
News trading allowed during Evaluation phases (excluding the Zero account). No position may be opened, closed, or held within 10 minutes before/after a high-impact news event on the affected currency on funded accounts; profits from trades opened/closed within that window are stripped (don't count toward payout) but the trade itself does not breach.
5 plans · per-plan detail
Rules by account plan
Every plan’s model, rules and size/price matrix. Compare against other firms →
1-Step
1-step
One-step evaluation with up to 100% profit split, a 10% profit target and on-demand payouts — suited to confident traders who want funding quickly without a second phase. Note it's geared to manual trading — bots and automation are heavily restricted.
Sizes & price
| Account size | Entry price |
|---|---|
| $5K | Not statedverify |
| $10K | Not statedverify |
| $25K | Not statedverify |
| $50K | $322 (before GOAL20; GOAL20 excludes 100k 1-Step) |
| $100K | Not statedverify |
Funded ("Master") phase carries the 6% max loss / 3% daily forward.
Rules sourced from official pages — 1-Step rules hub. Promo terms change; confirm at checkout.
Rule glossaryEvery term on this page, in plain English
- Profit target
- The percentage gain a trader must achieve on a challenge or evaluation account to advance to the next phase or become funded. It is usually measured against the starting balance and must be met without breaching any loss limit.
- Max daily loss
- A cap on how much an account may fall within one trading day, measured from either the day's starting balance or starting equity. Breaching it typically fails the account, even if the overall loss limit is untouched.
- Max overall loss
- Also called maximum total loss or overall drawdown — the furthest an account may fall from its baseline before it is failed. Whether the baseline is fixed or moves with profits depends on the drawdown type.
- Static drawdown
- A maximum-loss level calculated once from the starting balance and held fixed for the life of the account. Profits do not raise it, so the buffer below your equity grows as you gain.
- Trailing drawdown
- A maximum-loss level that follows the account upward as it reaches new equity or balance highs, locking in some gains. Once it ratchets up it usually does not fall back, so giving back profits can still breach it.
- End-of-day (EOD) drawdown
- A trailing drawdown that recalculates from the highest end-of-day balance rather than intraday peaks. Open-trade spikes during the day do not move the limit — only the closing figure does.
- Minimum trading days
- A requirement to place trades on a set number of distinct days before an account can pass a phase or request a payout. It discourages passing on a single lucky trade.
- Consistency rule
- A limit on how concentrated profits may be — for example, no single day may account for more than a set percentage of total profit. It is meant to reward steady performance over one-off windfalls; breaching it can delay a payout or block a pass.
- Profit split
- The percentage of profits a funded trader keeps, with the rest retained by the firm (e.g. an 80% split means the trader keeps 80%). Advertised "up to" splits are usually ceilings reached only at higher tiers or after scaling.
- Scaling plan
- A structured path that increases a funded trader's account size (and sometimes profit split) after meeting performance and consistency conditions. Terms and timelines vary widely between firms.
- Leverage
- The ratio between position size and the capital backing it (e.g. 1:100 means $1 controls $100 of exposure). Higher leverage amplifies both gains and losses against your drawdown limits.
- Evaluation / challenge
- A simulated trading test — sometimes called a challenge — where a trader must hit a profit target without breaking the rules to earn a funded (or simulated-funded) account. It usually carries a one-time fee.
- Instant funding
- A product that skips the evaluation and grants a funded account immediately, typically for a higher upfront fee and often with stricter rules, lower initial splits, or tighter drawdown than evaluation paths.
- 1-step
- An evaluation that funds a trader after one phase, requiring a single profit target to be hit within the loss limits. Fewer phases can mean a tighter target or drawdown.
- 2-step
- An evaluation split into two phases, each with its own profit target, before funding. The two-phase structure is the most common model across the industry.
- 3-step
- An evaluation with three sequential phases before funding, usually with lower per-phase targets spread across the stages. More phases can mean a longer path but gentler individual targets.
- Payout / withdrawal cycle
- The schedule and conditions for withdrawing funded profits — for example, on-demand, bi-weekly, or monthly, sometimes after a minimum profit or a set number of trading days. Early-payout terms and minimums vary by firm.
- Prohibited strategies
- Approaches a firm bans in its rules — breaching them can void profits or fail an account. Commonly restricted styles include martingale, grid, certain hedging or arbitrage, high-frequency or tick scalping, news trading, copy trading, and all-in gambling-style bets.
- Martingale
- A strategy that raises trade size after each loss in an attempt to recover prior losses with one win. Firms often prohibit it because it concentrates risk and can blow through drawdown limits quickly.
- Grid trading
- A system that places a ladder of buy and sell orders at fixed intervals regardless of direction. It is frequently restricted because it can build large, correlated exposure that strains risk limits.
- Hedging
- Opening opposing positions in the same or correlated instruments to offset risk. Some firms allow internal hedging but prohibit hedging across accounts or between traders to game evaluations.
- Arbitrage
- Profiting from price discrepancies between brokers, feeds, or instruments, including latency arbitrage. It is commonly banned because it can exploit a firm's simulated pricing rather than reflect genuine market skill.
- HFT / tick scalping
- High-frequency trading and tick scalping involve large numbers of trades held for seconds or less, often automated. Firms frequently restrict them, sometimes via minimum hold-time rules, because they can exploit feed latency.
- News trading
- Opening or holding positions through scheduled high-impact news events to capture volatility. Some firms restrict trading within a window around major releases on evaluation or funded accounts.
- Copy trading
- Automatically replicating one account's trades onto others, or copying signals from a third party. Firms often limit it to a trader's own accounts and prohibit copying between unrelated traders.
- Expert Advisors (EAs)
- Algorithms or robots — often MetaTrader Expert Advisors — that place trades automatically. Policies range from fully allowed to banned; many firms permit personal EAs but forbid shared or exploit-oriented bots.
- Gambling / all-in
- Staking an outsized share of the account on a single trade in hope of a fast pass. Firms restrict it because it relies on luck rather than risk management and undermines consistency rules.
Educational definitions only — not trading advice, and no outcome is guaranteed. The exact meaning of any rule depends on the firm’s own terms for your specific product; always verify there before relying on it.
Want the full reference? See the prop-firm rule glossary.
The field, in bars
How the profit split compares
Headline (“up to”) maximum vs the field — ceilings gated behind tiers or scaling, not what every trader gets.
Profit split — headline maximum (%)
Higher is betterFundingPipsBest
100%
The5ersBest
100%
E8 MarketsBest
100%
BrightFundedBest
100%
Funded Trading PlusBest
100%
City Traders ImperiumBest
100%
Balanced view
Pros, cons & open risks
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.
Do this first
What to verify before buying
Confirm each of these for your exact product:
- 01Which split tier and consistency requirement apply to your reward cadence.
- 02Current promo (e.g. GOAL20) and whether it applies to your account size.
- 032-Step Pro per-phase targets and minimum trading days for your model.
- 04The fixed-dollar withdrawal minimum (only the 1%/2% Minimum Reward is published).
The Prop Examiner
Our verdict
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 link
If FundingPips fits your needs
Visit FundingPipsWe may earn a commission. Any current discount is applied at checkout; promo pricing changes, so confirm the total before paying. Read the rules for your exact product first.
From the community
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Common questions
FundingPips FAQ
What is FundingPips's profit split?
Up to 100% (60% weekly / 80% biweekly / 100% on 30-day cycle). Confirm the split for the exact product you buy, as it can vary by model and tier.
How fast does FundingPips pay out?
“Tuesday Pay Day” weekly; on-demand/weekly/biweekly/monthly selectable. Payout speed and eligibility depend on the product and on meeting the firm's rules; no payout is guaranteed.
What account sizes does FundingPips offer?
$5K, $10K, $25K, $50K, $100K (challenge); $200K offered. Headline maximums are ceilings reached via scaling, not the size you start with.
Does FundingPips have a discount code?
Any current FundingPips promotion is applied at checkout — promo pricing changes frequently, so always confirm the total shown before paying. We do not display or advertise a specific code; check the price on the day you buy.
Is FundingPips worth it?
Tiered split reaching 100% and a clear weekly payout rhythm; top tiers gated behind a consistency score. Read the rules for your exact product, treat headline numbers as ceilings, and start with the smallest suitable plan — prop challenges are simulated/educational products and most buyers do not reach a payout.
Cited & dated
Sources
Every figure traces to a FundingPips source below, accessed on the date shown. Re-verify before relying on any number — pricing and promos change.
- 1.FundingPips — homepage· accessed 2026-06-17
- 2.FundingPips — trading objectives· accessed 2026-06-17
- 3.FundingPips — 1-step model· accessed 2026-06-17
- 4.FundingPips — rewards / Tuesday Pay Day· accessed 2026-06-17
Sponsored · firm-neutral
Advertising
Every firm gets the same labelled slot. Sponsorship never affects our rating or verdict.
In our best-of lists
Where FundingPips ranks
FundingPips appears in these sourced rankings — see how it stacks up against the field.
#1Highest profit split prop firms· Up to 100%#2Best instant funding prop firms· Instant funding available#4Fastest payout prop firms· On-demand#4Prop firms with crypto payouts· Crypto withdrawals#9Best prop firms for beginners· 4.1/5#4Best prop firms that support MetaTrader 5 (MT5)· Supports MetaTrader 5 (MT5)#4Best prop firms that support cTrader· Supports cTrader
Firm vs firm
Compare FundingPips head-to-head
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