FundingPips Review 2026: Programs, Rules, and Payout Analysis

Quick Verdict: Who Is FundingPips Best For?

FundingPips is a Dubai-based proprietary trading firm that offers funded accounts up to $100,000 through multiple evaluation paths. With over $180 million paid out to traders and a 4.5/5 Trustpilot rating from 39,000+ reviews, it ranks among the more established prop firms in the industry.

The firm stands out for its flexibility. You can choose between a budget-friendly 2-Step Pro challenge starting at just $29, a faster 1-Step evaluation, or skip the challenge entirely with their Instant Funding (Zero) program. Profit splits range from 60% to 100% depending on your payout frequency preference.

FundingPips is best suited for:

• Traders who want multiple evaluation options to match their style
• Budget-conscious traders looking for low entry fees
• Those who prefer MT5, cTrader, or Match-Trader platforms
• Traders comfortable with news trading restrictions on funded accounts

FundingPips may not be ideal for:

• News traders who rely heavily on high-impact event strategies
• Traders who want identical rules across evaluation and funded stages
• Those seeking MT4 compatibility (only MT5 is supported)

FundingPips At a Glance

Metric	Details
Founded	November 2022
Headquarters	Dubai, UAE
Max Funding	$100,000 (up to $2M via scaling)
Profit Split	60% to 100%
Evaluation Types	1-Step, 2-Step, 2-Step Pro, Instant Funding
Payout Frequency	Weekly, Bi-weekly, Monthly, On-demand
Platforms	MT5, cTrader, Match-Trader, TradeLocker
Trustpilot Rating	4.5/5 (39,000+ reviews)
Total Payouts	$180M+ across 127K+ verified payouts

Evaluation Programs Explained

FundingPips offers four distinct paths to a funded account. Each program targets different trading styles and risk tolerances. Here’s how they compare:

2-Step Standard Evaluation

The classic two-phase challenge remains the most popular entry point. Phase 1 requires hitting an 8% profit target, while Phase 2 drops to 5%. You get unlimited time to complete each phase, with a minimum of 3 trading days per phase.

The 2-Step Standard offers the highest leverage at 1:100 and the most forgiving drawdown limits: 5% daily loss and 10% maximum overall drawdown. This makes it suitable for traders who need room to let positions breathe.

Weekend holding is allowed on this program, and there’s no consistency rule during evaluation. Once funded, you can hold positions overnight and over weekends without penalty, though the news trading restrictions do apply. The combination of generous drawdown limits and no time pressure makes this the most beginner-friendly option for traders who want to take their time hitting targets.

2-Step Pro Evaluation

The Pro version is the most affordable option, starting at just $29 for a $5,000 account. It features lower profit targets (6% for both phases) but comes with tighter risk parameters: 3% daily loss and 6% maximum drawdown.

The trade-off? A 45% consistency rule applies throughout the evaluation and on the funded account. This means no single trading day can account for more than 45% of your total profits. Swing traders and position traders may find this restrictive.

1-Step Evaluation

If you want to skip Phase 2 entirely, the 1-Step challenge condenses everything into a single 10% profit target. You’ll face a 4% daily loss limit and 6% maximum drawdown, with leverage capped at 1:50.

The minimum trading requirement is 3 days, same as the 2-Step programs. While faster in theory, the higher profit target and tighter drawdown make it statistically harder to pass for most traders.

Instant Funding (Zero Program)

For traders who want to skip evaluations entirely, the Zero program provides immediate access to a funded account. There’s no profit target to hit—you start earning from day one.

The catch is a 5% trailing drawdown and 3% daily loss limit. This trailing mechanism means your drawdown threshold moves up as your account grows, which requires careful position sizing. Weekend holding is also prohibited on Zero accounts, and you must close all positions before market close on Friday.

The Zero program suits traders who have a proven track record and don’t want to waste time on evaluations. The bi-weekly payout structure offers 95% profit share, though you’ll face a 15% consistency requirement and need to maintain a 3% “safety cushion” in your account. The higher account fees relative to the evaluation programs reflect the immediate access to funded trading.

Account Sizes and Pricing

FundingPips offers five account tiers ranging from $5,000 to $100,000. Here’s the complete pricing breakdown:

Account Size	2-Step Pro	2-Step Standard	1-Step	Instant Funding
$5,000	$29	$36	$59	$69
$10,000	$55	$66	$99	$99
$25,000	$109	$156	$199	$199
$50,000	$219	$289	$319	$299
$100,000	$399	$529	$555	$499

The 2-Step Pro offers the lowest entry barrier at every account size, making it attractive for traders testing the waters or those on a tight budget. The Instant Funding option becomes relatively more affordable at higher account sizes.

When comparing value across programs, consider the risk-reward ratio. The 2-Step Pro’s $29 starting price comes with the strictest rules (3% daily loss, 6% max drawdown, 45% consistency). The 2-Step Standard at $36 provides significantly more breathing room with its 5% daily and 10% max limits. For traders confident in their abilities, the extra $7 buys meaningful flexibility.

FundingPips occasionally runs promotional discounts of 20-30% off challenge fees. These promotions typically appear during trading-related events or holidays, so timing your purchase can reduce entry costs further.

Trading Rules You Need to Know

Understanding FundingPips’ trading rules is critical—especially since some rules differ between evaluation and funded stages.

Drawdown Limits

All accounts use static drawdowns, not trailing (except Zero). This means if you start with a $50,000 account and a 10% max drawdown, your equity floor stays at $45,000 regardless of how high your balance grows.

Program	Daily Loss Limit	Max Drawdown	Drawdown Type
2-Step Standard	5%	10%	Static
2-Step Pro	3%	6%	Static
1-Step	4%	6%	Static
Zero (Instant)	3%	5%	Trailing

News Trading Restrictions

Here’s where things get tricky. During the evaluation phase, there are no restrictions on trading around news events. You can hold positions through NFP, FOMC announcements, or any high-impact release.

Once funded, the rules tighten significantly. For 1-Step, 2-Step, and Pro accounts, profits from trades opened or closed within 5 minutes before or after a high-impact news event won’t count toward your payout. Zero accounts face a wider 10-minute window on each side.

There’s one exception: trades opened at least 5 hours before a news event can be closed during the restricted window, and those profits still count.

Prohibited Strategies

FundingPips explicitly bans several trading approaches:

• High-frequency trading (HFT)
• Latency arbitrage
• Tick scalping
• Gap trading strategies
• Toxic order flow patterns
• Server spamming

Expert Advisors are permitted, but only for trade management and risk management purposes. EAs designed for pure execution speed or arbitrage will result in account termination.

Minimum Trading Days and Inactivity

Most programs require at least 3 trading days per phase (Pro requires just 1 day). More importantly, accounts inactive for 30+ days get terminated automatically. Even if you’re profitable, failing to place a trade for a month will breach your account.

Profit Splits and Payout Structure

FundingPips uses a tiered profit split system based on how frequently you withdraw:

Payout Frequency	Profit Split	Notes
Weekly (Tuesday)	60%	Most frequent, lowest split
Bi-weekly	80%	Good balance of frequency and split
On-demand	90%	35% consistency rule applies
Monthly	100%	Best split, longest wait

The on-demand option lets you request payouts whenever you want, but comes with a 35% consistency rule. This prevents any single day’s profits from exceeding 35% of your total withdrawable amount.

For Zero (Instant Funding) accounts, bi-weekly payouts offer 95% profit share, subject to a 15% consistency requirement and a “safety cushion” mechanism.

Payout Process

Payouts are processed every Tuesday and typically complete within 1-3 business days. The minimum withdrawal is 1% of your initial account balance (including FundingPips’ split).

Payment methods include:

• Bank wire transfer
• Visa Direct / Mastercard
• Cryptocurrency
• Riseworks

A $10 withdrawal fee applies to each transaction.

Fee Refund Policy

If you pass a 1-Step or 2-Step challenge and make it to your 4th successful payout, FundingPips refunds your original evaluation fee. This effectively makes the challenge free if you can maintain consistency through four withdrawal cycles.

Scaling and the Hot Seat Program

FundingPips offers a path to scale your capital well beyond the initial $100,000 maximum. The scaling program allows traders to grow their accounts up to $2 million based on consistent performance.

The Hot Seat tier represents the pinnacle of the scaling program. Traders who reach this level receive:

• 100% profit split on all earnings
• Account balance doubled
• Access to up to $2 million in trading capital
• On-demand payouts with no restrictions

The specific performance metrics required to reach Hot Seat status aren’t publicly disclosed, but it requires sustained profitability over multiple payout cycles.

The scaling progression generally works like this: demonstrate consistent profitability, hit certain profit thresholds, and receive account size increases. Unlike some prop firms that require additional fees for scaling, FundingPips’ scaling is earned through performance alone. The path to $2 million isn’t quick—it requires patience and consistent execution over many months—but the 100% profit split at Hot Seat level makes the journey worthwhile for successful traders.

Platforms and Instruments

FundingPips supports four trading platforms:

• MetaTrader 5 — The default option with no additional fees
• cTrader — Available for a $20 platform fee
• Match-Trader — No additional fee
• TradeLocker — No additional fee

Notably, MT4 is not supported. Traders using MT4-specific EAs will need to convert them to MT5 or use a different platform.

If you’re running automated strategies on FundingPips and need reliable execution around the clock, a dedicated FundingPips VPS ensures your platform stays connected even during your local downtime.

Available Instruments

FundingPips provides access to 48+ instruments across multiple asset classes:

Asset Class	Examples	Commission
Forex	Majors, minors, exotics	$5 per standard lot
Indices	US30, NAS100, SPX500, GER40, UK100	Commission-free
Commodities	Gold, Silver, Oil	Commission-free
Crypto	BTC, ETH, XRP	0.04% per trade

The instrument selection covers most major markets, though individual stock CFDs are not available. The commission structure is competitive, with indices and commodities being particularly cost-effective due to zero commissions.

Trust and Track Record

When evaluating any prop firm, payout reliability matters more than marketing claims. Here’s what the data shows for FundingPips:

Verified Payout History

According to Payout Junction, FundingPips has distributed over $180 million across more than 127,000 verified payouts. This places them among the higher-volume prop firms in terms of actual money paid to traders.

Trustpilot Reputation

With a 4.5/5 rating from 39,000+ reviews, FundingPips maintains strong overall sentiment. The rating breakdown shows:

• 82% five-star reviews
• 7% four-star reviews
• 2% three-star reviews
• 1% two-star reviews
• 8% one-star reviews

Positive reviews consistently mention quick payouts, clear rules during evaluation, and responsive support. Negative reviews tend to focus on account terminations after funding (often related to rule differences between evaluation and funded stages) and occasional slippage concerns.

Company History

FundingPips launched in November 2022 and is headquartered in Dubai, UAE. The company holds an International Brokerage and Clearing House License through its Comoros Union registration.

In 2024, FundingPips temporarily suspended operations due to MetaQuotes-related licensing issues affecting multiple prop firms industry-wide. They resumed operations after transitioning to alternative platform arrangements, though this period created some uncertainty among traders.

The company claims to serve over 1.5 million traders across 195+ countries, making it one of the larger prop firms by user base. While these figures can’t be independently verified, the payout volume through third-party verification sites suggests substantial operational scale.

Community Presence

FundingPips maintains an active Discord community and provides 24/7 customer support. Response times vary based on volume, with some traders reporting quick resolutions while others cite delayed or generic responses. Like most prop firms, support quality tends to be better for straightforward inquiries than complex account disputes.

What Could Be Better

No prop firm is perfect. Here are the main drawbacks to consider:

Rule Changes After Funding

The most common complaint involves rules that differ between evaluation and funded stages. News trading restrictions, consistency requirements, and certain instrument limitations only apply after you pass—which can catch traders off guard.

Always read the funded account terms separately from the challenge rules. What works during evaluation may not work on a master account.

cTrader Platform Fee

While MT5 and Match-Trader come free, accessing cTrader costs an additional $20. For traders who specifically need cTrader’s features or have existing cBots, this adds to the overall cost.

Consistency Rules on Some Programs

The 45% consistency rule on 2-Step Pro accounts and 35% rule on on-demand payouts can significantly limit trading flexibility. High-conviction traders who occasionally make outsized profits on single days may find these restrictions frustrating.

No MT4 Support

MT4 remains widely used, especially for legacy Expert Advisors. The lack of MT4 support means traders with older automated systems need to migrate or look elsewhere.

Slippage Reports

Some traders have reported execution slippage, particularly during volatile market conditions. While this is common across most prop firms using demo environments, it’s worth monitoring if you’re running tight scalping strategies.

Inactivity Policy

The 30-day inactivity rule can catch position traders and those who take extended breaks off guard. If you’re traveling or stepping away from markets, you’ll need to place at least one trade per month to keep your account active. This applies to both evaluation and funded accounts.

Floating Loss Restrictions

Some programs include a 1% floating loss cap on funded accounts, which limits how much unrealized loss you can hold at any time. This rule doesn’t appear in evaluation, so traders who pass by allowing positions to swing into drawdown may find the funded stage more restrictive.

Who Should Trade with FundingPips?

FundingPips works well for specific trader profiles:

Best fit:

• Swing traders who hold positions for days and don’t rely on news events
• Budget-conscious traders who want affordable challenge fees ($29 starting point)
• Multi-platform traders comfortable with MT5, cTrader, or Match-Trader
• Traders seeking flexibility with multiple evaluation paths to choose from
• Those who prefer static drawdowns over trailing mechanisms (except Zero)

Less ideal for:

• News traders who depend on trading around high-impact events
• MT4 users with existing EAs that can’t be converted
• High-frequency traders or those using arbitrage strategies
• Traders who want identical rules from evaluation through funding

Final Verdict

FundingPips has established itself as a legitimate prop firm with a strong payout track record and flexible evaluation options. The $180M+ in verified payouts and 4.5 Trustpilot rating aren’t marketing fluff—they represent real money paid to real traders.

The firm’s main strengths lie in its variety of challenge types and competitive pricing. Starting at $29 for the 2-Step Pro makes it accessible for traders who want to test prop trading without significant upfront investment. The tiered profit split system (60% to 100%) lets you choose between payout frequency and percentage based on your preferences.

However, the rule differences between evaluation and funded stages remain a legitimate concern. News trading restrictions and consistency requirements that only kick in after funding have tripped up many traders. Go in with full awareness of the funded account terms, not just the challenge rules.

For traders who primarily use MT5 or cTrader, don’t rely heavily on news trading, and appreciate having multiple evaluation options, FundingPips offers a solid proposition backed by years of payout history.

The key to success with FundingPips—like any prop firm—is understanding all the rules before you start. Read the funded account terms carefully, not just the evaluation rules. Know the news trading windows, understand the consistency requirements for your chosen program, and plan your strategy accordingly. Traders who do their homework and trade within the guidelines consistently report positive experiences and reliable payouts.

Frequently Asked Questions

Is FundingPips a legitimate prop firm?

Yes. FundingPips has paid out over $180 million to traders across 127,000+ verified payouts since launching in 2022. They maintain a 4.5/5 Trustpilot rating from 39,000+ reviews. While no prop firm is risk-free, their payout track record demonstrates operational legitimacy.

What is the cheapest FundingPips challenge?

The 2-Step Pro challenge starts at $29 for a $5,000 account. This is the most affordable entry point across all FundingPips programs, though it comes with tighter drawdown limits (3% daily, 6% max) and a 45% consistency rule.

Does FundingPips allow news trading?

During evaluation phases, yes—there are no restrictions on trading around news events. On funded accounts, profits from trades opened or closed within 5 minutes of high-impact news won’t count toward payouts. Zero accounts face a 10-minute restriction window.

What platforms does FundingPips support?

FundingPips supports MetaTrader 5, cTrader (with $20 fee), Match-Trader, and TradeLocker. MT4 is not available. If you’re using MT4-specific Expert Advisors, you’ll need to convert them to MT5 or choose a different prop firm.

How long does FundingPips take to pay out?

Payouts are processed every Tuesday and typically complete within 1-3 business days. Payment methods include bank transfer, Visa/Mastercard, cryptocurrency, and Riseworks. A $10 withdrawal fee applies per transaction.

Can I get my FundingPips challenge fee refunded?

If you pass a 1-Step or 2-Step challenge and successfully reach your 4th payout, FundingPips refunds the original evaluation fee. This doesn’t apply to the Instant Funding (Zero) program or 2-Step Pro accounts.

What is FundingPips’ maximum funding?

Initial accounts go up to $100,000. Through the scaling program and Hot Seat tier, traders can access up to $2 million in capital. Hot Seat members also receive 100% profit splits and doubled account balances.

Does FundingPips allow Expert Advisors?

EAs are permitted for trade management and risk management purposes only. Automated strategies designed for HFT, arbitrage, or server-speed exploitation are prohibited and will result in account termination.

Get Started with a Reliable Trading Environment

Passing a prop firm challenge requires more than just trading skill—consistent connectivity and execution matter too. If you’re running EAs or need your platform online 24/5 without interruption, consider pairing your FundingPips account with a low-latency trading VPS. NYCServers offers dedicated infrastructure optimized for prop traders, with pre-installed platforms and connections designed to minimize execution delays during critical trading moments.