FUNDINGPIPS
FULL REVIEW 2026
HELLOOverview
FundingPips is a Dubai-based forex and CFD prop firm that launched in 2022 and has grown into one of the highest-volume payers in the industry — public figures as of mid-2026 report over $260 million distributed to traders, with a Trustpilot rating around 4.5/5 from roughly 39,000 reviews. It is one of the few large forex prop firms whose entry fees start under $40, which is a big part of its growth.
The structure is familiar: pass an evaluation (1-step, 2-step, or the instant "Zero" model), receive a Master Account, and withdraw a share of the profits. Buyable account sizes run from $5,000 to $200,000, with a separate Prime program that scales successful traders toward $2 million — the $2M number is earned, not bought.
FundingPips runs on MT5, cTrader and Match-Trader. One regional caveat: MT5 is not available to US or Canada residents under the current setup.
Challenge Types
The 10% Phase 1 option was withdrawn on 24 July 2026. Weekend holds are currently suspended on 2 Step Standard Master accounts.
| Field | 2 Step Standard | 2 Step Pro | 2 Step Flex | 1 Step Flex | Zero |
|---|---|---|---|---|---|
| Phases | 2 | 2 | 2 | 1 | 0 — instant Master Account |
| Account type | Phase 1 → Phase 2 → Master Account | Phase 1 → Phase 2 → Master Account | Phase 1 → Phase 2 → Master Account | Evaluation → Master Account | Master Account from day one |
| Leverage | 1:100 FX · 1:30 metals · 1:20 indices · 1:2 crypto | 1:100 FX · 1:30 metals · 1:20 indices · 1:2 crypto | 1:100 FX · 1:30 metals · 1:20 indices · 1:2 crypto | 1:100 FX · 1:30 metals · 1:20 indices · 1:2 crypto | 1:50 FX |
| US traders | Accepted — US and Canada trade on Match-Trader, not MT5 | Accepted — US and Canada trade on Match-Trader, not MT5 | Accepted — US and Canada trade on Match-Trader, not MT5 | Accepted — US and Canada trade on Match-Trader, not MT5 | Accepted — US and Canada trade on Match-Trader, not MT5 |
| Overnight & weekend | Temporarily NOT allowed on Master accounts — open trades are auto-closed before Friday close | Allowed on Master accounts | Allowed on Master accounts | Allowed on Master accounts | Not allowed — close everything before Friday |
| News (funded) | 10-minute window. The FULL profit of an affected trade is deducted, not just the part earned inside it | 10-minute window on the Master account | 10-minute window on the Master account | 10-minute window on the Master account | 20-minute window — double the standard restriction |
| Profit target | 8% then 5% | 6% then 6% — the lowest targets on offer | 10% | 12% | None |
| Max loss | 10% static — never moves | 6% static | 12% — the widest drawdown on the board | 12% | 5% intraday-equity trailing — the harshest model here |
| Max daily loss | 5% of the higher of opening balance or opening equity · resets 00:00 UTC+3 | 3% | 4% | 3% | 3% |
| Best Day / consistency | Striking System — 4 warnings at 1.2% floating loss. 2nd halves your split, 4th closes the account | 45% | None in evaluation | None in evaluation | 15% — plus a 3% safety cushion and 7 profitable days every 30 |
| Min trading days | 3 per phase | 1 | 0 | 0 | 0 |
| Trading period | Unlimited · 30 days inactivity breaches the account | Unlimited · 30 days inactivity breaches the account | Unlimited · 30 days inactivity breaches the account | Unlimited · 30 days inactivity breaches the account | Unlimited · 30 days inactivity breaches the account |
| Reward split | 60% weekly · 80% bi-weekly · 90% on-demand · 100% monthly | 80% weekly | 85% or 95% — you choose at checkout | 85% bi-weekly | 95% bi-weekly |
| Fee refund | Refunded at your 4th successful payout | Never refunded — excluded from the 4th-payout refund | Never refunded — excluded from the 4th-payout refund | Never refunded — excluded from the 4th-payout refund | Never refunded — excluded from the 4th-payout refund |
| Payout caps | None published | None published | None published | None published | None published |
| Fee · USD · captured 3 Aug 2026 | |||||
| $5K | $34 | $29 | $32 | $66 | $60 |
| $10K | $63 | $55 | $59 | $99 | $88 |
| $25K | $168 | $134 | $159 | $211 | $188 |
| $50K | $285 | $224 | $269 | $313 | $244 |
| $100K | — | $422 | $499 | $533 | — |
| $200K | — | $844 | — | — | $888 |
Prices move with promotions and currency selection — the checkout figure is the only real one. A dash means the firm does not offer that size on that plan.
Key Information
The firm
The challenge
Money & access
The Rules That Matter
Inbound copying is prohibitedFundingPips bans copying trades into an account from an external source, including trade-copier software fed by a signal provider. This is stated in their terms and is a breach condition, not a guideline.
One honest caveatlike most large prop firms, FundingPips runs trade-similarity detection across customers. If many people manually place identical levels at identical times, that pattern can attract review. We cannot tell you how any firm's detection will treat it — which is exactly why we tell you to size trades yourself and select which signals you take rather than mirroring everything mechanically.
Drawdown math5% daily / 10% max static on the 2-Step Standard — identical shape to FTMO. At 0.5% risk with all eight instruments open you are at 4% risk, inside the daily limit. A stop caps a loss; it does not cap a gap.
Weekend holding Many systematic strategies hold multi-day including weekends. Standard Master Accounts allow weekend holding, but the funded-stage news window means profits from trades opened or closed within 5 minutes of red-folder news do not count. The Zero model bans weekend holding entirely — not suitable for the Quant book.
Payouts & Trust
VolumePublic figures report over $260M paid out and six-figure counts of individual payouts — for a firm launched in 2022, that throughput is the story. Payment rails include bank transfer and crypto.
CadenceWeekly payout cycles as the baseline, with faster or on-demand access unlocked by status/consistency depending on the plan. Exact eligibility rules differ per model and have been revised several times through 2025–2026 — treat any specific cadence you read (including here) as something to re-verify at purchase time.
What we don't likesome rules only appear at the funded stage (the news-window profit exclusion is the big one), the Pro model's tight 6% max drawdown leaves very little room, and the rulebook has churned more than FTMO's. None of that is disqualifying; all of it is worth reading before paying.
Pros & Cons
| What works | |
|---|---|
| ✓ | Cheapest credible entry in forex prop — evaluations from under $40 |
| ✓ | $260M+ reported paid out; ~4.5/5 Trustpilot from ~39,000 reviews |
| ✓ | MT5, cTrader and Match-Trader all supported |
| ✓ | 2-Step Standard drawdowns match FTMO's shape (5%/10%, static) |
| ✓ | Lower profit targets than FTMO (8%/5% vs 10%/5%) |
| ✓ | No time limit; only 3 minimum trading days per phase |
| ✓ | Weekend holding allowed on standard Master Accounts |
| What to watch | |
|---|---|
| ✗ | Shorter track record than FTMO; rules revised frequently |
| ✗ | Funded-stage news window excludes profits near red-folder events |
| ✗ | Strategy EAs banned; inbound signal copiers prohibited |
| ✗ | MT5 unavailable to US/Canada residents |
| ✗ | Base split (80%) below FundedNext's headline 95% |
All 9 Prop Firms Compared
Every prop firm we review, side by side. Ratings are Trustpilot, checked August 2026. Entry fee is the cheapest account on the cheapest plan a firm offers — that is not always its headline product. The $100K column is the tier most traders actually buy.
| Firm | Steps | Entry | $100K | Max loss | Daily | Split | Refund | US | EU | Code |
|---|---|---|---|---|---|---|---|---|---|---|
 FTMOCFD · ★4.8 | 123⚡ | $92.18 | $512.28 | 10% static | 5% / 3% | 80–90% | 2-Step only | Yes | Yes | AUTO 19% |
 FundedNextCFD+FUT · ★4.5 | 123⚡ | $44.99 | $549.99 | 10% / 6% | 5% / 3% | 80–95% | Yes | Restr. | Yes | NEW25 |
| FundingPips CFD · ★4.5 · ● HERE | 123⚡ | $29 | $422 | 6–12% ▲ | 3–5% | 60–100% | 4th payout | Yes | Yes | HELLO |
 The5ersCFD+FUT · ★4.7 | 123⚡ | $22 ▲ | $491 | 6% / 10% | 3–5% | 75–100% | 70% partial | Fut. only | Yes | — |
 Alpha CapitalCFD · ★4.7 | 123⚡ | $27 | $397 | 6–10% | 3–5% | 80% | None | Yes | Yes | — |
 E8 MarketsCFD · ★4.3 | 123⚡ | $44 | $440 | 6% dynamic | 4% | 80–100% | Pre-trade | Yes | Yes | E8Path |
 FXIFYCFD+FUT · ★4.4 | 123⚡ | $31.20 | $319.20 ▲ | 5–10% | 3–5% | 75–100% | 100% ▲ | No | Yes | HOT20 |
 TopstepFUTURES | 123⚡ | $49/mo | $99/mo | EOD trail | optional | 90–100% | 14-day only | Yes | Yes | — |
 My Funded FuturesFUTURES · ★4.8 | 123⚡ | $53/mo | $134/mo | EOD trail | none ▲ | 80–90% | Untraded only | Yes | Yes | — |
Steps: 1 / 2 / 3 phase · ⚡ instant funding. A lit chip means the route is offered, not that it is better. ▲ marks the best figure in that column among comparable plans. Futures firms bill monthly, so their fees are not compared against one-time CFD fees. Topstep shows no rating because their Trustpilot profile was merged and the two live figures disagree. EU is derived from each firm’s own published restricted-country list — no EU member state appears on any of the nine. Codes are the firm’s own, verified at checkout — we do not list third-party affiliate codes. A dash means no code is published, not that no discount exists.
FundingPips is the budget-conscious alternative to FTMO: same drawdown shape on the 2-Step Standard, lower profit targets, a fraction of the entry fee, and full MT5 support. Note the inbound-copier prohibition above before you buy.
The trade-off is maturity. FTMO has nine more years of history and a steadier rulebook; FundingPips has volume, price and pace. If the challenge fee is the barrier keeping you from a funded account, this is the firm that removes it — just read the funded-stage rules (news window, EA policy) before your first Master Account trade.
READY TO TRY FUNDINGPIPS?
Evaluations from under $40. MT5 supported. No time limit.
