FundingPips 2-Step vs 2-Step Pro: Complete Challenge Comparison 2026

FundingPips no longer offers two two-phase evaluations. As of 30 July 2026 it offers three: 2 Step Standard, 2 Step Flex and 2 Step Pro. The middle one is new to most comparisons and it matters, because the 10% and 6% target structure that 2 Step Standard used to sell is exactly what 2 Step Flex carries today. FundingPips withdrew the 10% Phase 1 target from Standard effective 24 July 2026 at 06:00 Server Time (UTC+3), and states that existing 2 Step Standard accounts with a 10% profit target reset as 2 Step Flex with an 85% profit split.

This article walks through every dimension of the comparison: profit targets, drawdown mechanics, minimum trading days, reward splits and cycles, commission, the three risk frameworks, who wins per trader profile, and worked examples on a $100K account. Everything below is checked against the FundingPips help center on 30 July 2026, with the pricing page cited separately where the help center is silent.

Side by Side Comparison

The table shows a three-way trade-off rather than a two-way one. Standard buys the widest daily budget and the only cycle menu in the lineup, at the cost of 3 minimum trading days per phase and a Striking System above $25,000. Flex buys the widest floor and the highest fixed split, at the cost of the highest combined target. Pro buys the fastest pass and the flattest structure, at the cost of a floor no wider than the target it asks for.

Profit Target Math

On a $100K account, 2 Step Standard asks for $8,000 in Phase 1 and $5,000 in Phase 2, $13,000 combined. 2 Step Flex asks for $10,000 and $6,000, $16,000 combined. 2 Step Pro asks for $6,000 twice, $12,000 combined. Pro has the lowest combined target in absolute dollars, Flex the highest by a wide margin.

The combined number is the least useful figure of the three, because the models pair it with very different floors. Pro asks for the least and gives the least room: $12,000 of target against $6,000 of drawdown. Flex asks for the most and gives the most room: $16,000 against $12,000. Standard sits between them at $13,000 against $10,000. Read target-to-floor as a ratio and the ranking inverts: Pro 2.0, Standard 1.3, Flex 1.33.

Drawdown: 10%, 12% and 6%

On a $100K account the floors sit at $90,000 on Standard, $88,000 on Flex and $94,000 on Pro. All three are static: FundingPips describes each as a floor that never moves, and each one covers floating losses as well as closed ones. Touching the level counts as a breach even briefly, and even if the trade later closes in profit. The floor does not reset between Phase 1 and Phase 2 on any of the three.

That last point is the one that catches people. A trader who arrives in Phase 2 on Standard already 6% down has $4,000 of room left on a $100K account, not $10,000. In practice the 6% floor on Pro forces roughly half the position size a Flex trader can run, and a Standard trader sits in between. That is the price of Pro’s single trading day per phase and its flat 80% weekly split.

Daily Loss: 5%, 4% and 3%

Daily limits compound the difference. On a $100K account that is $5,000 of single-day downside on Standard, $4,000 on Flex and $3,000 on Pro before a breach. All three are measured against the higher of the day’s opening balance or opening equity, include floating P&L, and reset at 00:00 Platform Time (UTC+3). Standard therefore fits two full daily budgets inside its total floor, Flex fits three, and Pro fits two.

Sizing Implications

A practical sizing rule: keep the worst realistic single-day loss below 60% of the daily limit. On a $100K account that means budgeting up to $3,000 of session downside on Standard, $2,400 on Flex and $1,800 on Pro. The Pro budget is 40% tighter than Standard in absolute dollars and sits against a floor that is 40% smaller, which is why Pro sizing has to come down on both axes rather than one.

Leverage: Identical Across All Three

There is no leverage difference between the three models. All three run 1:100 on Forex, 1:30 on Metals, 1:10 on Energies, 1:20 on Indices and 1:2 on Crypto, tightening on the Swap-Free variant to 1:30, 1:10, 1:10, 1:5 and 1:2. The one model in the FundingPips lineup with lower Forex leverage is Zero at 1:50, which is not one of the three compared here. On top of that, a dynamic leverage tier system applies to Metals, Indices and Energies on Master Accounts, described as temporary and effective 16 March 2026 at 23:59 Server Time (UTC+3): 1:50 up to 0.05 lots, then 1:30, 1:25, 1:20, 1:10 and 1:5 above 0.50 lots, with margin calculated cumulatively per tier. Crypto on a Master Account is temporarily 1:1 rather than 1:2 on all three, while Phase 1 keeps 1:2. Every platform caps an order at 20 lots per click, and Crypto at 1 lot.

Minimum Trading Days: 3, None or 1

Standard requires 3 minimum trading days per phase. Pro requires 1. Flex requires none at all on the 85% split, and 3 profitable days per phase on the 95% split, where a profitable day is one closing at least 0.5% of the starting account size up. Flex on the 85% split is therefore the only two-phase model at FundingPips you can pass the moment you hit the target.

The trade-off is visible at the reward stage rather than the evaluation stage. Flex on the 95% split carries its profitable-day requirement forward: every bi-weekly reward cycle needs 3 more of them. Standard and Pro carry no day requirement into the Master Account at all, unless the Profit Concentration Policy attaches one, which happens when a single trade idea contributes more than 60% of a phase target on an account of $25,000 or above created on or after 27 June 2026.

Commission: $5 Per Lot Across All Three

Commission is identical at $5 per lot on Forex and Metals across Standard, Flex and Pro, rising to $10 per lot if you take the Swap-Free add-on. Energies and Indices carry no commission on any of the three. Crypto is charged at 0.04%, with FundingPips giving the formula as lot size times crypto price times 0.04%, and its own example of 1 lot of ETH/USD at $2,600 costing $1.04. Commission does not differentiate the three models on a fee basis.

Registration Fee Refund: Standard Only

When you reach your 4th reward on a 1 Step or 2 Step Standard Master Account, FundingPips refunds the original registration fee you paid for the challenge. It states that the refund does not apply on 2 Step Pro, 2 Step Flex or FundingPips Zero, and that these models have always been excluded. This is the one hard cash difference between the three models compared here.

The help center publishes no prices at all. Per the FundingPips pricing page, checked 30 July 2026, a $100K 2 Step Standard was $499, down from a struck-through $555, with the rest of the ladder at $32, $59, $159 and $269 from $5K to $50K. Prices for Flex and Pro were not captured, so check the current fee in the purchase flow. The refund tracks what you actually paid, so a challenge bought with a discount code refunds the discounted price rather than the list price. On a $499 Standard account bought at the list price, that fee amortises at roughly $125 per reward across the first four, and the refund is one-time: a reset restarts the count.

Who Wins Per Trader Profile

The selector cuts along two axes rather than one: how much drawdown room your strategy needs, and how your profit is distributed across days. Traders whose results are lumpy should avoid anything with a day requirement, which points at Standard or Pro. Traders whose results are flat and frequent should take Flex on the 95% split, because the requirement that blocks other people is free for them.

Worked Example: $100K Account, 12 Months Funded

Assume a trader passes any of the three in 30 days, then runs a $100K Master Account for 12 months at an average 4% profit per month, $4,000 a month, with no breach. Standard and Flex are modelled on their bi-weekly cycles, Pro on its weekly cycle, since those are the cadences the models actually offer.

On the same profit, 2 Step Flex on the 95% split returns $7,200 more than Standard on Bi-Weekly and Pro on Weekly over 12 months. Standard only overtakes it in this model by moving to the Monthly cycle at 100%, which returns $48,000 but puts 30 calendar days between rewards; that outcome assumes the account meets the applicable Monthly eligibility conditions. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35% consistency score or lower, seven profitable days of at least 0.5% of the starting Master Account size, and a 1% Striking System trigger. Pro never wins this table on dollars; what it buys is a short evaluation and the highest split FundingPips attaches to a fixed weekly cycle, 80% against the 60% Standard pays on its own Weekly option. It is not the quickest route to cash in the lineup: Standard on the On Demand cycle can be requested at any time at 90%, subject to a 35% Consistency Score and a minimum request of 2% of the account size, and a Prime Account pays daily. Whichever cycle you pick, note that it is chosen once from the dashboard, and setting it enables trading and locks the split permanently.

One gate worth carrying into that Pro column: the minimum reward request is 1% of the Master Account Size including FundingPips' split, which is $1,000 on a $100K account. At the $4,000 a month modelled in both tables here, $48,000 across 52.14 weeks is roughly $921 of gross profit per week, so a Pro trader at this rate does not clear the 1% threshold in every single week. Nothing is lost by that. FundingPips states that once a reward cycle is complete it stays available until you choose to request it, and that the cycle only resets after a reward is successfully processed, so unrequested profit accumulates and a request every second week clears the minimum comfortably. The floor also depends on the route: the 1% applies to Card, Crypto and Tradin Transfer, while Rise and Bank Transfer both require $500, which $921 a week already clears.

Common Pitfalls on Pro

Three things trip up traders who pick 2 Step Pro without reading the tighter constraints.

Sizing for Standard, Trading Pro

Traders who passed a Standard challenge before often carry the same position sizing into Pro. The 3% daily limit punishes that immediately, and the 6% floor punishes it a second time. Cut typical size by roughly 40% against your Standard sizing, and remember that the floor does not reset when Phase 2 begins.

Hitting the 1 Day Minimum and Stopping

The single minimum day tempts traders to stop after one profitable session. That is fine for the evaluation and a bad habit for the Master Account, where the weekly cycle rewards steady rather than single-shot trading, and where 30 consecutive calendar days without a fully closed trade breaches the account outright.

Underestimating the 6% Floor

A 6% floor sounds workable until a trader is 4% down early and has 2% left for the rest of both phases. Plan sizing so the worst realistic drawdown across the whole evaluation stays well under 4%. There is no Risk Per Trade Idea cap and no documented Striking System on Pro, which means the two loss limits are the entire rule set and nothing warns you first.

Common Pitfalls on Standard

Two pitfalls catch Standard traders, and neither of them is the profit target.

Ignoring the Striking System Above $25,000

On a Standard Master Account above $25,000, the first time the combined floating loss on one trade idea reaches 1.2% of the account size, a warning is recorded and that trade idea’s profit is deducted. That is $600 on a $50K account and $1,200 on a $100K account. What counts as one trade idea is the part that catches people out: a single trade, or several positions on the same instrument in the same direction, plus any new position opened in the same direction within 10 minutes of closing a losing trade on that instrument. All of them are grouped and assessed together, and a profit inside the group does not reduce the assessed loss. The second warning drops the reward split by half, the third to 20%, the fourth closes the account. Warnings are cumulative for the life of the account and never reset after a reward or a new cycle, recovery does not remove one, trades are never force-closed, and losing trades inside a warned idea are not refunded.

Treating 3 Day Minimum as 3 Day Requirement

The 3 day minimum is a floor, not a recommendation. Traders often stretch to 3 days by adding speculative trades to fill the count after hitting the target on day 2. Better practice: hit the target, then take the remaining days as low-risk volume rather than fresh aggressive positions. There is no time limit on either phase, so there is no reason to rush the third day.

Common Pitfalls on Flex

Flex has the widest floor of the three and the two pitfalls that catch people are both about the split rather than the risk.

Buying the 95% Split Without the Rhythm

The 95% split is not a paid upgrade, it costs the same as the 85% split, which makes it look like a free win. It is not free: it adds 3 profitable days per phase to the evaluation and 3 more to every reward cycle, each closing at least 0.5% of the starting account size up. On a $100K account that is $500 a day, three times per cycle, before a reward can be requested. A trader whose profit arrives in one or two large moves will sit on unrequestable profit indefinitely.

Assuming the Choice Can Be Changed

FundingPips states that you choose the 85% or 95% split when you buy the account and the choice is locked for the life of the account. There is no upgrade path and no downgrade path. The reward cycle is locked separately and permanently when you set it from the dashboard before your first trade, and a reset keeps the same cycle rather than reopening the choice.

When to Switch Between Products

Traders who pass Standard once often look at Pro for its weekly cycle, or at Flex for the higher fixed split. The conservative path is to keep the Standard funded account running, build a track record, and add the second model in parallel rather than replacing the first. One ceiling applies to that plan: all active accounts, including Evaluation, Master and Prime Accounts, share a single Max Allocation of $400K across all models, and a Monthly Competition account is the only documented exception; the Prime Account article states the same $400K more narrowly, across active Prime Accounts only, so plan against the tighter reading.

Edge Cases and Lesser Known Rules

Several rules that do not appear in the comparison table affect day to day trading on all three models. Knowing them before passing an evaluation prevents surprises.

Hedging

FundingPips lists hedging among its forbidden strategies, in the same sentence as gap trading, high-frequency trading, latency arbitrage, tick scalping and opposite account trading, and says forbidden strategies result in immediate account termination. The one case it spells out is coordinated hedging between accounts to guarantee a win on one side, which is not permitted, while copying trades between your own accounts in the same direction is. On the 1K Instant Account hedging is prohibited outright and closes the account. What the help center does not do anywhere is describe hedging inside a single account as permitted, and it does not describe it as a separate case at all, so if your strategy pairs offsetting positions on one account, ask support in writing before you open it rather than reading the silence as a yes.

Copy Trading and Signal Services

FundingPips splits copy trading by direction, and the direction is what decides. Permitted: copying trades between your own FundingPips accounts registered under the same individual, and using your FundingPips account as the master to copy trades out to an external account as the slave. Prohibited: copying trades between FundingPips accounts owned by different users, coordinated trading across master accounts not owned by the same individual, inbound copy trading, meaning trades copied into your FundingPips account from an external source such as a signal provider or a trade copier service in which the FundingPips account is the slave, and account management by any third-party vendor, which the firm says results in immediate account termination. Copying out is fine, copying in is not. That matters to anyone paying for a signal service: FundingPips names signal providers as a prohibited inbound source, states that copying inbound from any source constitutes third-party account management, and carves out no exception for executing the calls by hand. The 1K Instant Account is the documented exception, where third-party EAs and trade copiers are permitted. One practical detail from the same page: use the investor password, which is read-only, when you set your account up as the master for a copier, because using your main account password may trigger further investigation.

Account Inheritance and Transfer

FundingPips accounts are personal and non transferable. The trader who passes evaluation must be the same person who operates the funded account. Transferring credentials to family members, business partners or third parties violates terms and triggers account closure. KYC documentation must match the trading person across the relationship.

Long Term Funded Account Performance Modeling

Modelling 24 months on the same assumptions, an average 4% monthly profit on a $100K account with no breach, shows where the split difference compounds and where it does not.

Over 24 months the gap widens rather than closing: Flex on 95% returns $14,400 more than either 80% model, and Standard on the Monthly cycle returns $4,800 more than Flex when the account meets every Monthly eligibility condition. The fee refund is a one-time item and does not scale with the horizon. What does scale is the split, which is why the cycle decision made in the first ten minutes of a Master Account is worth more than every position-sizing tweak that follows it. The 24-month rows sit under the same 1% request minimum as the 12-month rows, so the practical rhythm on Pro at this profit rate is a request roughly every second week rather than every seventh day.

When to Move Between the Three

Three signals point at Pro. First, a completed Standard evaluation with at least one clean funded month. Second, a typical evaluation drawdown that stayed under 4%, which is where Pro’s 6% floor stops being uncomfortable. Third, a daily loss profile that typically stays under 1.5%, leaving room inside the 3% daily limit. Miss any of the three and another cycle on Standard is the better use of the money.

The signal that points at Flex is different and has nothing to do with risk: count how many of your trading days close at least 0.5% up. If three per fortnight is normal for you, the 95% split is the highest-paying account FundingPips sells outside Zero, at no extra cost. If it is not normal for you, take the 85% split on the same model, which has no day requirement at all, or stay on Standard for the cycle menu.

Three Readiness Signals Summary

Real World Scenarios Worth Planning For

Three situations recur often enough to plan around. The first is the early-month drawdown spike: sizing aggressively in the first week of a funded month produces a 2% to 3% intraday equity excursion that does not breach but does eat the buffer. On Pro that consumes half the floor. On Flex it is barely noticeable. On Standard it sits in between.

The second is the news scenario, and it is a rules question rather than a volatility question. On all three models the evaluation phases carry no restriction on holding through events, but purposely trading news is prohibited and leads to account closure. On the Master Account a restricted window runs from 5 minutes before to 5 minutes after a red-folder Forex Factory event on the affected currency, and the full profit of any trade opened or closed inside that window is deducted, not just the part earned in it. Trades opened 5 hours or more before the event are exempt, and a partial close flags the whole order. FundingPips also notes that traders are responsible if a deduction pushes the account through a loss limit.

The third is the weekend, and the old answer no longer applies. A temporary change effective 29 January 2026 stops weekend holds on Master Accounts across all four standard models; open trades are auto-closed at Friday market close and this is not a hard breach. FundingPips gives that date in its own news and weekend-holding article; the 2 Step Standard and 2 Step Pro model pages describe the same restriction without a start date and say it remains in effect until further notice. Weekend holds are still permitted during the evaluation phases of all three, and a gap that breaches the Max Loss Limit there is a valid breach.

Running Two of the Three in Parallel

A common pattern after the first months at FundingPips is running two models side by side, typically Standard for the cycle flexibility and Flex for the higher fixed split or Pro for the weekly one. The models do not interfere with each other: each carries its own floor, its own daily limit and its own reward cycle. What they do share is the $400K Max Allocation across all active accounts, so the second account is bought out of the same ceiling as the first.

The pattern produces smoother aggregate results than a single account, because a daily limit binding on one account does not touch the other. Merging is possible later but only between Master Accounts of the same model, it is irreversible, and the platform and reward cycle of the first purchased account carry over. Administrative overhead is modest: one KYC, one reward method, two sets of credentials.

Edge Cases Around Account Resets

Reset discounts are documented and identical in structure across the three: 15% off a Phase 1 reset, 10% off a Phase 2 reset, and 7% off a Master Account reset excluding accounts at $100K and above. A reset is available only within 7 calendar days of the breach, keeps the account size, reward cycle and platform, and a reset Phase 2 account restarts at Phase 1. A non-USD account resets as a USD account.

Two details are worth checking in the dashboard rather than in the documentation. FundingPips contradicts itself on whether an inactivity closure qualifies for a reset: on Standard the reset box lists inactivity breaches as eligible while the FAQ on the same page says they do not qualify, and on Pro the FAQ says resets are now available for inactivity breaches. Separately, a reset restarts the 4th-reward fee refund count on Standard, which adds operating cost for anyone who resets often.

Reward Methods and Processing Times

FundingPips documents four routes: Card, Crypto, Rise and Bank Transfer. Requests are processed within 1 to 3 working days excluding weekends, with an additional 1 to 2 working days for the funds to reflect in a wallet or bank. The firm gives its own worked example: a Friday request begins Monday as Day 1 and completes by Wednesday as Day 3. All methods run on the same clock, and once a request is submitted it cannot be cancelled or modified.

The one documented exception is Pay to Card, where a reward arrives instantly or within 30 minutes of approval, and up to 48 hours if the bank runs additional security checks. It is listed for 14 countries. Rise and Bank Transfer both need a minimum of $500, while the 1% minimum reward applies to Card, Crypto and Tradin Transfer. The method choice is identical on all three models, as are the eligibility steps: all trades closed including pending orders, a 15 minute wait after the last close, and an account in your own name.

FundingPips Trustpilot and Community Signals

FundingPips carries a 4.5 Trustpilot rating from 64,000+ reviews, on a profile claimed since October 2022, checked 30 July 2026. The volume is high enough that the rating moves slowly, which makes it a better read on the firm than on any single model. Reviewers routinely describe rewards arriving far faster than the published window, but the 1 to 3 working day figure is the firm’s own commitment and the number to plan around.

Community discussion on Reddit, Discord and trader forums covers FundingPips heavily and rates all three models similarly on rule transparency and reward reliability. The most common recurring complaint is the inactivity rule on funded accounts, which traders forget to track: 30 consecutive calendar days without a fully closed trade breaches the account, open trades do not count, and since there is no time limit on either evaluation phase this is the only rule that can close an account without a loss.

Funded Account Scaling Path

None of the three models scales on its own. FundingPips documents one scaling mechanic, the Prime Account, and it works identically regardless of which model the reward came from. You can be invited into one, or unlock one yourself after the 3rd reward, though the FundingPips Compare Account Models page, updated 28 July 2026, describes the move as available on any reward from the first. The Master Account closes when the Prime Account opens, and its share of the $400K allocation returns to the pool.

Because the Prime terms do not depend on the source model, scaling ambition is not a reason to prefer one of the three. What does differ is how quickly you reach a 3rd reward: Pro on its weekly cycle gets there in 21 calendar days at the earliest, Standard and Flex on bi-weekly in 42, and Standard on Monthly in 90, provided the Monthly eligibility conditions are met in each cycle. Standard on the On Demand cycle can be quicker than any of them, since a request is open at any time once the 35% Consistency Score and the 2% minimum profit are met. Note also that a Prime Account is MT5 only and not available to residents of the United States or Canada.

Hidden Costs Beyond the Headline Fee

All three carry the same costs beyond the entry fee. Standard commission is $5 per lot on Forex and Metals and accumulates across a funded month: 50 lots is $250, and it scales with activity. The Swap-Free add-on, which is available on MT5 only, doubles that to $10 per lot on those two instruments, so the same 50 lots cost $500. That is the real price of the add-on, since FundingPips does not publish a separate charge for it.

Swap costs on overnight positions add another layer on all three, and the add-on only removes them on Forex and Metals; Energies, Indices and Crypto still incur standard swaps even with it active. Currency pair swap rates are tripled on Wednesdays, and for indices the triple charge falls on Fridays instead. Since weekend holds are currently suspended on Master Accounts, the overnight cost that matters most is the weekday one.

Slippage on news and high-volatility sessions reduces effective edge on all three equally. FundingPips does not publish spreads, slippage rules or swap rates in figures anywhere in the help center, so the only honest planning assumption is that the published spread is a best case. Note also that FundingPips does not require a stop loss during an evaluation or on a Master Account; its risk systems watch equity in real time on the backend, and server-side data is final regardless of what your terminal shows.

FundingPips Account Closure and Reactivation

A breach of the Max Loss Limit, the Daily Loss Limit, the Risk Per Trade Idea cap or the 30-day inactivity rule closes the account immediately. Of these three models the Risk Per Trade Idea cap is live on 2 Step Flex only, at 3% on a $25K Master Account and 2% above it. The FundingPips rules page lists 2 Step Standard and 2 Step Pro as not applicable, and the 3% and 2% ladder still shown on the Standard model page is marked there as applying to the 10% profit target only, which stopped being offered effective 24 July 2026 at 06:00 Server Time (UTC+3). On a hard breach open trades are closed automatically, the account moves to view-only, the dashboard names the rule and the moment, and an email follows. Soft breaches behave differently: a Consistency Score out of range blocks rewards until resolved rather than closing anything, and the news-window deduction removes profit rather than the account, unless the deduction itself pushes the account through a loss limit.

Reactivation after a hard breach is not offered, but a discounted reset is, within 7 calendar days: 15% in Phase 1, 10% in Phase 2, 7% on a Master Account excluding $100K. Old or breached accounts cannot be deleted from the dashboard and are archived instead. The way to avoid the scenario is to treat the static floor as the real constraint on all three models, since it is the one limit that does not reset at any point.

The bottom line

There are three two-phase FundingPips models as of 30 July 2026, not two. 2 Step Standard runs 8% then 5% behind a 10% static floor and a 5% daily limit, with the only reward cycle menu in the lineup, 60% Weekly to 100% Monthly, and the registration fee refunded at the 4th reward. 2 Step Flex runs 10% then 6% behind a 12% floor and a 4% daily limit, at a fixed 85% or 95% split chosen at purchase and locked for the life of the account. 2 Step Pro runs 6% and 6% behind a 6% floor and a 3% daily limit, at a flat 80% on a weekly cycle, with one minimum trading day per phase and neither a Risk Per Trade Idea cap nor a Striking System on the Master Account.

All three share the same $5 per lot commission, the same 1:100 Forex leverage, the same reward methods, the same 1 to 3 working day processing, the same temporary weekend restriction on Master Accounts, and the same route to a Prime Account. The decision is structural: Standard for the widest daily budget and the cycle choice, Flex for the widest floor and the highest fixed split, Pro for the fastest pass and a flat 80% every 7 calendar days without a Consistency Score to manage. Whichever you take, the cycle you set before your first trade is permanent, so make that decision before the account is live rather than after.

Frequently Asked Questions

What is the difference between FundingPips 2 Step Standard, Flex and Pro?

2 Step Standard: 8% then 5%, a 10% static floor, a 5% daily limit, 3 minimum trading days per phase, and a reward split of 60% Weekly, 80% Bi-Weekly, 100% Monthly or 90% On Demand. 2 Step Flex: 10% then 6%, a 12% floor, a 4% daily limit, no minimum days on the 85% split or 3 profitable days per phase on the 95% split and 3 more in every reward cycle, with the split locked at purchase. 2 Step Pro: 6% and 6%, a 6% floor, a 3% daily limit, 1 minimum trading day per phase, and a flat 80% weekly split. Only Standard refunds the registration fee, at the 4th reward.

Which is easiest to pass: 2 Step Standard, Flex or Pro?

Pro has the lowest combined target at 12% and the fewest required days of the models that require any, 1 per phase against 3 on Standard, but the tightest floor at 6%, which leaves no recovery room. Flex has the highest combined target at 16% and the widest floor at 12%, and on the 85% split it requires no minimum days at all. Standard sits between them at 13% and 10%, with the widest daily budget of the three. Judged on target against floor, Flex and Standard are close and Pro is by far the hardest, despite the lowest headline target.

What is the profit target for FundingPips 2 Step?

Standard: 8% in Phase 1, 5% in Phase 2, 13% combined. Flex: 10% then 6%, 16% combined. Pro: 6% in both phases, 12% combined. On a $100K account that is $13,000, $16,000 and $12,000 respectively. The 10% Phase 1 target that Standard used to offer was withdrawn effective 24 July 2026 at 06:00 Server Time (UTC+3), and existing Standard accounts on that target reset as 2 Step Flex with an 85% profit split. Passing a phase requires reaching the target with all open trades closed, and there is no time limit on any phase.

What is the max drawdown on FundingPips 2 Step?

Standard 10%, Flex 12%, Pro 6%, all of them static floors that never move and all of them covering floating losses. On a $100K account that is $90,000, $88,000 and $94,000. The floor does not reset between Phase 1 and Phase 2 on any of the three, and it carries into the Master Account unchanged. A breach is on touch: reaching the level counts even briefly, even if the trade then closes in profit.

What is the daily loss limit on FundingPips 2 Step?

Standard 5%, Flex 4%, Pro 3%, each measured against the higher of the day’s opening balance or opening equity and each including floating P&L. On a $100K account that is $5,000, $4,000 and $3,000 of single-day room. All three reset at 00:00 Platform Time (UTC+3), with a countdown shown in the dashboard, and all three are hard breaches.

What leverage does FundingPips offer on 2 Step?

The same on all three: 1:100 on Forex, 1:30 on Metals, 1:10 on Energies, 1:20 on Indices and 1:2 on Crypto, tightening to 1:30, 1:10, 1:10, 1:5 and 1:2 with the Swap-Free add-on. There is no leverage advantage to any of the three models. A temporary dynamic leverage system also applies to Metals, Indices and Energies on Master Accounts, effective 16 March 2026 at 23:59 Server Time (UTC+3), stepping from 1:50 down to 1:5 as position size grows, with margin calculated cumulatively per tier.

What is the FundingPips 2 Step profit split?

Standard depends on the cycle you set: 60% Weekly, 80% Bi-Weekly, 100% Monthly, or 90% On Demand with a 35% Consistency Score and a minimum request of 2% of the account size. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35% consistency score or lower, seven profitable days of at least 0.5% of the starting Master Account size, and a 1% Striking System trigger. Flex is 85% or 95% on a bi-weekly cycle, chosen when you buy and locked for the life of the account, with both options costing the same and the 95% option adding 3 profitable days per phase and 3 more per reward cycle. Pro is a flat 80% on a weekly cycle. Setting the cycle is the last action before trading is enabled, and it locks the split permanently.

How many minimum trading days does FundingPips 2 Step require?

Standard 3 per phase, Pro 1 per phase, Flex none at all on the 85% split and 3 profitable days per phase on the 95% split, plus 3 more in every reward cycle once funded, where a profitable day closes at least 0.5% of the starting account size up. Flex on the 85% split is the only two-phase FundingPips model you can pass the moment the target is hit. Reaching the target early never shortens a required day count on Standard or Pro.

Does FundingPips refund the challenge fee?

On 2 Step Standard yes, at the 4th reward, and the same applies on 1 Step. What comes back is the original registration fee you paid, so a challenge bought with a discount code returns the discounted amount rather than the list price. FundingPips states that the refund does not apply on 2 Step Pro, 2 Step Flex or FundingPips Zero, and that those models have always been excluded. Per the FundingPips pricing page, checked 30 July 2026, a $100K 2 Step Standard cost $499 at the list price, so at that price the fee amortises at roughly $125 per reward across the first four. A reset restarts the count.

What is the commission on FundingPips 2 Step?

$5 per lot on Forex and Metals across Standard, Flex and Pro, rising to $10 per lot with the Swap-Free add-on. Energies and Indices carry no commission. Crypto is 0.04%, calculated as lot size times crypto price times 0.04%, with FundingPips giving 1 lot of ETH/USD at $2,600 costing $1.04 as its example. Commission is identical across all three models and does not differentiate them.

Can I hold positions over the weekend on FundingPips 2 Step?

In the evaluation phases yes, on all three, without restriction. On the Master Account no, for now: a temporary change effective 29 January 2026 stops weekend holds on Master Accounts across all four standard models, with open trades auto-closed at Friday market close and no hard breach attached. FundingPips gives that date in its news and weekend-holding article; the Standard and Pro model pages describe the same restriction without a start date and say it remains in effect until further notice. Crypto may be held over the weekend during evaluation phases only.

Which FundingPips 2 Step model should I pick for a first prop challenge?

Standard, in most cases. The 5% daily budget is the widest of the three, the 10% floor gives real room, the Striking System does not apply at or below $25,000, and the registration fee comes back at the 4th reward. Flex is the better first pick if you want the wider 12% floor and are content with a fixed 85% split. Pro is the wrong first pick: a 6% floor against a 6% target per phase leaves no room for the mistakes a first evaluation is for.

Can I run two FundingPips 2 Step models at the same time?

Yes. Multiple accounts are permitted, and each model keeps its own floor, daily limit and reward cycle, so a bad day on one does not touch the other. The ceiling is shared: all active accounts, including Evaluation, Master and Prime Accounts, draw on a single Max Allocation of $400K, and only a Monthly Competition account is excluded from that total, though the Prime Account article states the same $400K more narrowly, across active Prime Accounts only. Merging later is possible only between Master Accounts of the same model, is irreversible, and the platform and reward cycle of the first purchased account carry over.

What happens if I breach the daily loss on FundingPips 2 Step Pro?

The account closes immediately. On Pro the daily limit is 3% of the higher of the day’s opening balance or opening equity, floating P&L included, and touching it is a hard breach in an evaluation phase and on the Master Account alike. Open trades are closed automatically, the account moves to view-only, and the dashboard names the rule and the moment. The only route back is a reset within 7 calendar days: 15% off in Phase 1, 10% in Phase 2, 7% on a Master Account excluding $100K accounts and above.

Is the 12% target on 2 Step Pro really easier than 13% on Standard?

On the absolute number yes, by $1,000 on a $100K account. In practice no. Pro asks for 6% twice, which removes the option of front-loading Phase 1 and coasting through a lighter Phase 2, and it pairs that with a 6% floor, so the target and the entire drawdown budget are the same size. Standard asks for 13% behind a 10% floor and gives a 5% daily budget to work inside. The 1% lower combined target does not offset either difference.

How long does a FundingPips 2 Step evaluation take?

There is no time limit on any phase of any of the three, so the answer is set by the day requirements and your own pacing. The floor is 6 trading days on Standard, 2 on Pro, and 0 on Flex at the 85% split or 6 profitable days at the 95% split. The only clock that exists is inactivity: 30 consecutive calendar days without a fully closed trade breaches the account, and open trades do not count toward keeping it alive.

What is FundingPips 2 Step Flex?

2 Step Flex is the third two-phase model, running 10% in Phase 1 and 6% in Phase 2 behind a 12% static floor and a 4% daily limit, at sizes from $5K to $100K. It carries the target structure 2 Step Standard used to sell, and FundingPips states that existing Standard accounts on a 10% profit target reset as 2 Step Flex with an 85% profit split. The reward split is 85% or 95% on a bi-weekly cycle, chosen at purchase, locked for the life of the account, and priced identically. There is no Consistency Score on either split, and Risk Per Trade Idea applies on the Master Account at 3% at $25K and 2% above it.

Is there a free way to try 2 Step Standard or 2 Step Pro?

Yes for those two, no for Flex. The Free Trial gives a live MT5 environment mirroring 2 Step Standard or 2 Step Pro at no cost, on the FundingPips-Trial server. Each phase expires 14 calendar days after activation, weekends included, and the timer cannot be paused, extended or reset. Targets, loss limits and minimum trading days match the paid models, and the $200K size is available on the Pro trial only. It runs in USD, needs only a name and an email, cannot run alongside an active account, produces no rewards, and cannot be converted into an Evaluation or Master Account.