FundingPips Account Types: All Five Models Compared (2026)

FundingPips Account Types Overview

FundingPips runs four evaluation models plus the instant-funded Zero, checked against the help center on 30 July 2026: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and FundingPips Zero. Each evaluation model ends in a Master Account. FundingPips calls payouts Rewards and funded accounts Master Accounts, and the reward split is set by the model you buy plus the reward cycle you pick, not by a scaling ladder you grow into. The five paths serve genuinely different profiles: one phase and no minimum days (1 Step Flex), the widest cycle menu (2 Step Standard), a locked 85 or 95 percent split (2 Step Flex), the fastest pass at one day per phase (2 Step Pro), and no evaluation at all (Zero).

I have run FundingPips evaluations on and off over the years, been funded more than once, and taken multiple rewards along the way. As of July 2026 two $50K one-step evaluations are running. The newer parts of the lineup, 2 Step Flex, the Prime Account and the Free Trial, are covered here from FundingPips’ published rules.

The headline: pick by how your profit is distributed across days, not by price. The reward cycle is a one-time decision that locks the split permanently, so on every model that offers a choice the cycle question matters more than the entry fee.

The Five FundingPips Account Models At A Glance

Checked against the FundingPips help center on 30 July 2026:

Quick Decision Framework

• One phase, no minimum trading days, 12 percent target: 1 Step Flex
• The widest choice of reward cycles, including Monthly at 100 percent: 2 Step Standard
• The highest fixed split on a two-phase model and the widest drawdown at 12 percent: 2 Step Flex
• The fastest pass at one trading day per phase: 2 Step Pro
• No evaluation at all, 95 percent split, tightest rule set: FundingPips Zero

FundingPips 1 Step Flex

A single evaluation phase, then the Master Account. 12 percent profit target, a 12 percent Max Loss Limit that sits below the starting balance and never moves, and a 3 percent Daily Loss Limit measured against the higher of the day’s opening balance or opening equity. No minimum trading days and no time limit to pass. Five account sizes: $5K, $10K, $25K, $50K and $100K.

Master: an 85 percent split on a Bi-Weekly cycle, minimum reward request 1 percent of the Master Account size. Risk Per Trade Idea does not apply on this model. The Striking System does: a floating loss of 1 percent on a single trade idea records a warning, and FundingPips states that the second one drops the split by half, from 85 percent to 42.5 percent, and it stays there.

Strongest fit: traders who want the shortest route through an evaluation and can reach 12 percent inside a 12 percent static floor without a minimum-day requirement pacing them.

Weakest fit: traders who run several correlated positions at once. The Striking System groups them into one trade idea, and warnings never reset, not after a reward, not on a new cycle, not after a scale-up.

FundingPips 2 Step Standard

Two phases: 8 percent in Phase 1, 5 percent in Phase 2. Max Loss Limit 10 percent of the starting balance and static, Daily Loss Limit 5 percent, minimum 3 trading days in each phase. Sizes are $5K, $10K, $25K, $50K and $100K, plus $2.5K in select countries.

The old 10 percent Phase 1 target is gone. FundingPips words it as "10% Profit Target: No Longer Offered, effective 24 July 2026 at 06:00 Server Time (UTC+3)", and existing 2 Step Standard accounts with a 10 percent profit target reset as 2 Step Flex with an 85 percent profit split. That is why the 10 and 6 percent structure now sits under the Flex name rather than the Standard one.

Master: this is the only model with a cycle menu. Weekly pays 60 percent, Bi-Weekly 80 percent, Monthly 100 percent, and On Demand 90 percent with a 35 percent Consistency Score and a minimum request of 2 percent of the account size instead of the usual 1 percent. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35 percent Consistency Score or lower, seven profitable days of at least 0.5 percent of the starting Master Account size, and a 1 percent Striking System trigger. That dashboard selection is made before trading is enabled and cannot be changed afterwards. Older Master Accounts can remain on their prior Monthly terms, so the purchase-date boundary matters. Older Master Accounts can remain on their prior Monthly terms, so the purchase-date boundary matters.

Strongest fit: traders who want a wide static floor relative to the target and population-specific consistency rules, plus the option of a 100 percent Monthly split.

Weakest fit: traders above $25,000 who size several correlated positions together. The Striking System applies here at a 1.2 percent floating-loss threshold on 8 percent target Master Accounts above $25,000.

FundingPips 2 Step Flex

Two phases at 10 percent and 6 percent, the target structure 2 Step Standard used to carry. Max Loss Limit 12 percent static, Daily Loss Limit 4 percent, sizes $5K to $100K. Minimum trading days depend on the split you buy: none on the 85 percent split, three profitable days per phase on the 95 percent split, where a profitable day closes at least 0.5 percent of the starting account size up.

Master: a single Bi-Weekly cycle, every 14 calendar days after the first executed trade. The split is 85 or 95 percent, chosen when you buy and locked for the life of the account, and both cost the same. The 95 percent option adds three profitable days per cycle. There is no Consistency Score on either split. Risk Per Trade Idea applies on the Master Account at 3 percent at $25K and 2 percent above it, with nothing below $25K.

Strongest fit: traders who want the highest fixed split on a two-phase model and produce several profitable days per cycle rather than one large one.

Weakest fit: traders who want to change their mind later. The split choice cannot be reversed, and the wider 12 percent floor comes with a tighter 4 percent daily budget than 2 Step Standard.

FundingPips 2 Step Pro

Two phases at 6 percent each, the flattest target structure in the lineup. Max Loss Limit 6 percent static, Daily Loss Limit 3 percent, minimum 1 trading day per phase. Sizes run $5K, $10K, $25K, $50K, $100K and $200K, plus $2.5K in select countries, which makes Pro and Zero the only two models reaching $200K.

Master: a flat 80 percent split on a Weekly cycle, every 7 calendar days after the first executed trade, with the cycle resetting after each processed reward. Risk Per Trade Idea has been removed on this model, and the help center does not document a Striking System for it. Minimum reward request is 1 percent of the Master Account size.

Strongest fit: traders who pass quickly and want one predictable weekly split with no Consistency Score and no per-trade-idea cap sitting on top of it.

Weakest fit: traders who need recovery room. A 6 percent target against a 6 percent floor means a phase drawdown has to be earned back before the target is even in reach.

FundingPips Zero

An instant Master Account with no evaluation phase and no profit target. The Max Trailing Loss Limit sits 5 percent below the highest recorded equity and locks permanently at the starting account size once equity is 5 percent up. Daily Loss Limit 3 percent. A Max Open Risk Limit of 1 percent of the starting size applies to combined floating losses in real time, and only losing positions count toward it. Sizes $5K to $200K. Reward split 95 percent on a Bi-Weekly cycle.

Four conditions have to be true at the same time before a Zero reward can be requested: a Consistency Score of 15 percent or below, calculated as biggest winning day divided by current total account profit; seven profitable days of at least 0.25 percent each inside the current rolling 30-day window; a 3 percent Safety Cushion, meaning profit up to 3 percent of the account size is not eligible; and a biggest loss that does not exceed the biggest win.

Zero also carries the hardest conduct rules in the lineup. News trading is prohibited outright, with a window running from 10 minutes before an event to 10 minutes after, and leaving any position open into the weekend is an immediate account termination regardless of instrument. Risk Per Trade Idea applies at 3 percent below $50K and 2 percent at $50K and above. Commission is $7 per lot on Forex and Metals rather than the $5 the other models pay.

Strongest fit: traders whose daily results are flat and repeatable, who trade most days, and who never hold through a red-folder release or over a weekend.

Weakest fit: traders whose edge concentrates on one or two large days. The 15 percent Consistency Score blocks rewards until the score comes back into range, and the seven-profitable-days requirement rules out irregular schedules.

FundingPips Labs: Starter Edition is a separate limited drop

FundingPips Labs is where the firm sells temporary account experiments. The current Starter Edition, code CFD–STR:001, is a $100K one-phase account for $99. It has no activation fee, no reset and a six-month evaluation window. Stock is limited, so it should not be treated as a sixth permanent account model.

Evaluation rules: 5 percent profit target, 1 percent Daily Loss Limit, 3 percent trailing end-of-day Max Loss Limit and no minimum trading days. Overnight and weekend holding are allowed. A trader may hold up to five Starter Edition accounts.

Master rules: the same 1 percent Daily Loss Limit and 3 percent trailing end-of-day Max Loss Limit, a 3 percent profit unlock, daily reward requests, an 85 percent split and a $1,000 maximum profit per request. The Master window is also six months.

The Starter Edition allocation is separate from the standard $400K account limit. Its Labs-specific Prime route starts after 10 rewards in total or six rewards on one Master Account. See the official Starter Edition rules before purchase because later Labs experiments can use different terms.

What Every Master Account Shares

All five models feed into Master Accounts that run on the same framework, checked 30 July 2026.

Reward Splits By Model And Cycle

• 1 Step Flex: 85 percent, Bi-Weekly
• 2 Step Standard cycle splits are 60 percent Weekly, 80 percent Bi-Weekly, 100 percent Monthly, and 90 percent On Demand; On Demand requires a 35 percent Consistency Score and a 2 percent minimum request. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35 percent Consistency Score or lower, seven profitable days of at least 0.5 percent of the starting Master Account size, and a 1 percent Striking System trigger.. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35 percent Consistency Score or lower, seven profitable days of at least 0.5 percent of the starting Master Account size, and a 1 percent Striking System trigger.
• 2 Step Flex: 85 or 95 percent, Bi-Weekly, chosen at purchase and locked for the life of the account
• 2 Step Pro: 80 percent, Weekly
• FundingPips Zero: 95 percent, Bi-Weekly, subject to the four eligibility conditions above
• Prime Account: 80 percent, Daily, requestable any number of times

The split is not a ladder. FundingPips puts it plainly in its onboarding article: the final action before you can trade is to set your reward cycle from the dashboard, and this enables trading and locks the selection permanently. Whatever you choose there is what you are paid for the life of that account.

The Three Risk Frameworks On Master

• Risk Per Trade Idea caps the combined realized and unrealized loss of one trade idea and a breach closes the account immediately. It is live on two of the five models. Zero: 3 percent below $50K, 2 percent at $50K and above. 2 Step Flex: nothing below $25K, 3 percent at $25K, 2 percent above it. On 1 Step Flex, 2 Step Standard and 2 Step Pro the FundingPips rules page lists the cap as not applicable, and the 2 Step Pro model page words it as removed. The 3 and 2 percent ladder still shown on the 2 Step Standard page is marked there as applying to the 10 percent profit target only, and that target stopped being offered effective 24 July 2026 at 06:00 Server Time (UTC+3). The rule never applies during an evaluation phase.
• The Striking System gives up to four warnings on 2 Step Standard Master Accounts above $25,000 and on all 1 Step Flex Master Accounts. A warning is recorded when the floating loss on one trade idea crosses the applicable threshold, 1 percent for 1 Step Flex and 1.2 percent for 2 Step Standard. Warning one is a warning, warning two halves the reward split, warning three drops it to 20 percent, warning four is an account breach and immediate closure. Warnings are cumulative for the life of the account, trades are never force-closed, and the profit from a warned trade idea is deducted.

The Profit Concentration Policy applies to evaluation accounts at $25,000 and above created on or after 27 June 2026. If a single trade idea contributes more than 60 percent of a phase’s profit target, every later reward on the resulting Master Account needs four profitable days, permanently, where a profitable day closes at least 0.5 percent of the account size up. FundingPips’ own example: an 8 percent target on a $25K account is $2,000, so a trade idea contributing more than $1,200 triggers it. The evaluation itself does not fail. Zero has no evaluation phase and is not affected.

A trade idea is not always one trade. FundingPips groups a single trade, several positions on the same instrument in the same direction, and any new position opened within 10 minutes of closing a losing trade, then assesses them together. A profit inside the group does not reduce the assessed loss.

Multiple accounts are allowed, with one ceiling: all active accounts, including Evaluation, Master and Prime Accounts, share a single Max Allocation of $400K, and this applies to all models. The dedicated Prime article words the same $400K more narrowly, as a ceiling across active Prime Accounts, so plan against the stricter reading quoted here. A Monthly Competition account is the documented exception and does not count toward it. Merging is only available between Master Accounts of the same model, Zero cannot be merged, the merge is irreversible, and the platform and reward cycle of the first purchased account carry over.

The Prime Account

The Prime Account is the scaling mechanic FundingPips documents today. In the help center’s own words, the Prime Account is where a Master Account becomes a career. There are two ways in: by FundingPips invite, or by unlocking one yourself after the 3rd reward, though FundingPips’ own account comparison page describes moving part of any reward from the first one onward, so confirm the threshold in your dashboard.

What The Prime Account Includes

• An 80 percent split on a Daily reward cycle, applied straight to the balance while trading continues
• A personal onboarding call and weekly 1:1 coaching, with slots on a first come, first served basis
• Dedicated WhatsApp support and the Prime badge in the FundingPips Discord, which opens the private Prime channels
• A public Prime leaderboard
• A monthly reward on traded volume, from $500 at 100 lots up to $20K at the top milestone, counted across every Prime Account you hold and reset at the start of each calendar month
• MT5 only, on the FundingPips-Prime server, in USD, and not available to the United States or Canada

One caveat worth reading twice: the Prime Max Loss Limit moves only on end-of-day closes, and a breach is on touch. FundingPips’ own example starts a $100K Prime Account with the floor at $92K; a day closing 3 percent above, at $103K, locks the floor at $95K, and equity touching $95K closes the account at that moment. A reward never resets or lowers the limit, and the Master Account closes once the Prime Account opens, returning its share of the $400K allocation to the pool.

Account Sizes Available

Sizes are not uniform across the lineup. FundingPips Zero and 2 Step Pro run $5K, $10K, $25K, $50K, $100K and $200K. 1 Step Flex, 2 Step Standard and 2 Step Flex stop at $100K. 2 Step Standard and 2 Step Pro additionally offer $2.5K in select countries, and the help center does not name which countries. The firm’s own summary line is that sizes run from $2,500 up to $200K and that not all sizes are available on every model.

The help center publishes no prices at all. Per the FundingPips pricing page, checked 30 July 2026, a 2 Step Standard costs $32 at $5K, $59 at $10K, $159 at $25K, $269 at $50K and $499 at $100K, with the page advertising a start price of $29. For the other four models, check the current fee in the purchase flow. Reset discounts are documented: 15 percent on a Phase 1 reset, 10 percent on Phase 2, 7 percent on a Master Account reset excluding accounts at $100K and above, and 20 percent on Zero, each only within 7 calendar days of the breach.

KYC And Setup

KYC is triggered after you pass the evaluation and before the Master Account is issued. The documents are a government-issued photo ID such as a passport or national ID card, a proof of address dated within 3 months, and a clear selfie. KYC is automated, and the compliance team only makes contact by email if a manual review is needed. A declined KYC caused by duplicate accounts cannot be resubmitted under a new email.

FundingPips does not publish a KYC turnaround time. It does publish the rest of the clock: a review by the Responsible Trading Team that takes up to 2 working days and starts only once KYC is complete, a Customer Agreement valid for 30 days from receipt, and a further 2 working days to connect the new Master Account to the risk management framework.

Setup flow: buy the model and size on the dashboard, verify your phone number to reveal your credentials, connect MT5, cTrader or Match-Trader, and place the first trade. Credentials are never sent by email. On the Master Account the last step before trading is enabled is setting the reward cycle.

Platform Support

All five FundingPips models run on the same three platforms: MT5, cTrader and Match-Trader, chosen at checkout. MT5 is available in all supported countries except restricted ones and is not offered to the United States or Canada. cTrader is not available to US residents and citizens. Match-Trader is open to both US and Canada residents, and only through the FundingPips version reached from the Credentials pop-up on the dashboard, not the generic Match-Trader site or app. US traders are therefore on Match-Trader only, while Canadian traders can pick Match-Trader or cTrader. The Swap-Free add-on is MT5 only and covers Forex and Metals.

Platform availability does not vary by model, so it is not part of the choice between 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and Zero. It is very much part of the choice for anyone trading from the United States or Canada.

Dashboard Trade Copier (MT5 beta)

FundingPips now offers a Trade Copier in the dashboard. It is currently MT5-only, and the lead must be a FundingPips account. Followers may be other FundingPips accounts or external MT5 accounts at a broker or another prop firm.

The beta permits up to four connected trading accounts per user. Sizing can be balance-proportional, equity-proportional or copy-as-is. Symbol mapping is mandatory when brokers use different names; an unmapped symbol is not copied and the tool does not send an error or notification.

Read the official FundingPips Trade Copier guide before relying on the beta. Its limits and supported platforms can change.

Best FundingPips Account By Trader Profile

• First evaluation, want the widest static floor against the target: 2 Step Standard or 2 Step Flex
• Want the highest fixed split on a two-phase model: 2 Step Flex on the 95 percent option
• Want to be through the evaluation in as few days as possible: 2 Step Pro at one day per phase
• Want one phase and no minimum days at all: 1 Step Flex
• Want no evaluation and have flat daily results: FundingPips Zero
• Trade around red-folder releases: any model except Zero, and read the news section before you assume it is unrestricted
• Trade irregularly or take longer breaks: avoid Zero, whose seven profitable days per rolling 30 demand regular activity
• Want a 100 percent split, can wait 30 days between rewards, and can meet the applicable Monthly eligibility conditions: 2 Step Standard on the Monthly cycle

Per-Account Worked Examples

The differences get concrete on one account size. Every figure below is a $50K account.

1 Step Flex, $50K

Profit target $6,000 (12 percent). Max Loss floor $44,000, static. Daily Loss budget $1,500 against a $50K opening baseline (3 percent). No minimum trading days and no time limit. The Striking threshold on this model is 1 percent, so a trade idea sitting $500 in floating loss records a warning, and recovery does not remove it.

2 Step Standard, $50K

Phase 1 target $4,000 (8 percent), Phase 2 target $2,500 (5 percent). Max Loss floor $45,000, static and unchanged across both phases. Daily Loss budget $2,500 (5 percent). Minimum 3 trading days in each phase. Above $25,000 the Striking threshold is 1.2 percent, so a $600 floating loss on one trade idea records a warning.

2 Step Flex, $50K

Phase 1 target $5,000 (10 percent), Phase 2 target $3,000 (6 percent). Max Loss floor $44,000, static. Daily Loss budget $2,000 (4 percent). On the 85 percent split there is no minimum-day requirement at all. On the 95 percent split each phase needs three profitable days of at least $250 each, and each Master reward cycle needs three more. Risk Per Trade Idea on the Master Account is 2 percent, or $1,000, at this size.

2 Step Pro, $50K

Both phases target $3,000 (6 percent). Max Loss floor $47,000, static. Daily Loss budget $1,500. One trading day per phase. Target and floor are the same $3,000, so a drawdown inside a phase has to be recovered before the target is even in reach. Risk Per Trade Idea does not apply on this model and the help center documents no Striking System for it.

FundingPips Zero, $50K

No evaluation and no target. The trailing floor starts $2,500 below the starting balance and follows the highest recorded equity upward, locking permanently at $50,000 once equity reaches $52,500. Daily Loss budget $1,500. Combined floating losses may not reach $500 at any moment. Risk Per Trade Idea is 2 percent, or $1,000, at this size. A reward needs seven profitable days of at least $125 each in the rolling 30-day window, a Consistency Score at or below 15 percent, and the first $1,500, which is 3 percent of the account size, left untouched as the Safety Cushion.

Reward Cycle Selection On 2 Step Standard

Only 2 Step Standard offers a menu. Every other model has exactly one cycle. The choice below is therefore a Standard-only decision, and it is made once: setting the cycle enables trading and locks the split permanently.

Weekly, 60 percent

Every 7 calendar days after the first executed trade on the Master Account, resetting after each successfully processed reward. No Consistency Score. The lowest split in the lineup, bought with the shortest wait.

Bi-Weekly, 80 percent

Every 14 calendar days. No Consistency Score. The middle option, and the same headline split 2 Step Pro pays on a cycle half as long.

On Demand, 90 percent

Requestable at any time, with two conditions the calendar cycles do not carry: a 35 percent Consistency Score, meaning no single trading day may account for more than 35 percent of total profit, and a minimum request of 2 percent of the Master Account size rather than the usual 1 percent. The score resets after each reward. Weekly and Bi-Weekly are outside it; Monthly uses the same 35 percent ceiling for Master Accounts purchased on or after 15 August 2026, together with seven qualifying days and a 1 percent Striking System trigger.

Monthly, 100 percent

Every 30 calendar days, and the only 100 percent split FundingPips documents anywhere. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35 percent Consistency Score or lower, seven profitable days of at least 0.5 percent of the starting Master Account size, and a 1 percent Striking System trigger. A missed date is not a problem: the window stays open until you submit, and the cycle only resets once a reward has been processed.

Dynamic Leverage On Metals, Indices, And Energies

A dynamic leverage tier system applies to Metals, Indices and Energies on Master Accounts, described by FundingPips as temporary and effective 16 March 2026 at 23:59 Server Time (UTC+3). It runs across all five models. The tiers are 1:50 up to 0.05 lots, 1:30 to 0.10, 1:25 to 0.15, 1:20 to 0.25, 1:10 to 0.50 and 1:5 above that, and margin is cumulative, so each tier applies only to the volume inside its own range.

Standard leverage outside that system is 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. Zero runs lower on two lines: 1:50 on Forex and 1:20 on Metals. Crypto on a Master Account is temporarily 1:1 rather than 1:2 across the lineup, while Phase 1 keeps 1:2. Commission is $5 per lot on Forex and Metals, $10 with Swap-Free, $7 per lot on Zero, nothing on Energies and Indices, and 0.04 percent on Crypto. Platform limits cap every order at 20 lots per click, and Crypto at 1 lot per click.

Common Failure Modes Across The Five Models

• 1 Step Flex: a trader stacks correlated positions, collects a second Striking warning, and trades the rest of the account at 42.5 percent instead of 85 percent
• 2 Step Standard: a trader picks the On Demand cycle for flexibility, then finds the 35 percent Consistency Score blocking the request after one strong day
• 2 Step Flex: a trader buys the 95 percent split for the headline number, then cannot produce three profitable days per cycle, so rewards stall
• 2 Step Pro: a trader treats a 6 percent target against a 6 percent floor like a 2 Step Standard envelope and runs out of recovery room
• FundingPips Zero: a trader prints one outsized day and sits above the 15 percent Consistency Score until enough smaller days dilute it

Four of those five failure modes are structural rather than directional. The trader was profitable and still could not get paid. That is the argument for picking the model around the shape of your results rather than around the size of the headline split.

Account Selection For Specific Trading Styles

Scalper

Scalpers close often, which suits the requirements built around profitable days. 2 Step Flex on the 95 percent split rewards that rhythm directly, since three profitable days per cycle is easy for a trader who closes green most days. The thing to watch is trade idea grouping: any new position in the same direction opened within 10 minutes of closing a losing trade is folded into the same idea, and the 10-minute window starts the moment the losing trade closes.

Swing Trader

Swing traders run into the rule that cuts across the whole lineup: holding over the weekend is temporarily not allowed on Master Accounts, and on Zero it is a permanent hard breach. On the four evaluation models the evaluation phases still permit weekend holds without restriction, so the friction only starts once you are funded. 2 Step Standard on the Monthly cycle fits the longer rhythm best.

News Trader

There is no model where news trading is simply allowed. During the evaluation phases of all four evaluation models there are no restrictions on holding through events, but purposely trading news is prohibited and leads to account closure. On a Master Account a 10-minute window applies, 5 minutes before to 5 minutes after a red-folder Forex Factory event on the affected currency, and the full profit of an affected trade is deducted rather than the part earned inside the window. Trades opened 5 hours or more before the event are exempt. On Zero the window widens to 10 minutes either side and a breach closes the account. FundingPips adds the part that turns a profit deduction into a closure: traders are responsible if a deduction pushes the account through the daily loss or max loss limit.

Algorithmic Trader

Third-party expert advisors are permitted only when used strictly as a trade or risk manager, and any other use of one denies the evaluation or the reward and closes the account. Your own EA may run fully automated with proof of ownership, and FundingPips names source files, version control history and development environment evidence as acceptable, while a compiled binary on its own is not. Two account types sit outside that default in opposite directions: on the 1K Instant Account third-party EAs and trade copiers are permitted, including for full automation, and in the Monthly Competition all EAs are prohibited, including your own with proof of ownership. Copy trading is decided by direction. Copying trades between your own accounts registered under the same individual is allowed, and so is using a FundingPips account as the master to copy out to an external account. Copying into your FundingPips account from an external source is not, and FundingPips names signal providers and copier services where your account is the slave as exactly that case; copying between accounts owned by different users, coordinated trading across master accounts not owned by the same individual, and account management by any third-party vendor end the account as well. When you set an account up as the master for a copier, use the investor password, which is read-only, because using your main account password may trigger further investigation.

The Prime Scaling Ladder

Prime Accounts scale in fixed steps rather than on a timeline. FundingPips publishes the ladder from a $100K starting size, and the figures below are its own.

A profitable day at Prime level closes at 1 percent or more of the account size, the counter resets at every scale-up, and the days do not have to be consecutive. Rewards stay daily on the 80 percent split at every level, and reaching a scale-up target is not a condition for requesting one. The ladder ends at $2M per Prime Account, which is also where Certified FundingPips Trader status sits, at Scale-up Level 10 or $2M.

FundingPips Versus FTMO And Direct Peer Comparison

What distinguishes FundingPips is not one headline split but the spread of structures: five models with genuinely different rule envelopes, and a Prime Account that carries the same trailing 8 percent floor no matter which model the reward came from. The $2M Prime ceiling sits above most peer scaling caps. The trade-off is that the split is fixed at the start rather than earned over time, and that every active account draws on one shared $400K allocation.

Detailed Master Phase Mechanics

The Master Account is not a loosened version of the evaluation. Most limits carry across unchanged, and three rules only begin to apply once you are funded.

Master Drawdown Continuity

Each model keeps its own envelope. 1 Step Flex stays at 12 percent Max Loss and 3 percent Daily Loss, 2 Step Standard at 10 and 5, 2 Step Flex at 12 and 4, 2 Step Pro at 6 and 3. Zero runs its 5 percent trailing floor and 3 percent Daily Loss plus the 1 percent Max Open Risk Limit from day one. Every Daily Loss Limit is measured against the higher of the day’s opening balance or opening equity and resets at 00:00 Platform Time (UTC+3). Touching a limit counts, even briefly, even if the trade later closes in profit.

Master Payout Rule Application

Three things exist only on the Master Account. Risk Per Trade Idea is enforced on Master Accounts only, including merged ones, and never during an evaluation phase. The Striking System likewise runs on Master Accounts. And a Consistency Score is documented on Zero at every reward, on 2 Step Standard On Demand, and on Monthly for Master Accounts purchased on or after 15 August 2026. 2 Step Flex states plainly that there is no Consistency Score on either split, and the help center documents none for 1 Step Flex or 2 Step Pro.

How FundingPips Rewards Are Paid

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 funds to reflect in a wallet or bank. FundingPips 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. Once a request has been submitted it cannot be cancelled or modified.

The one documented exception is Pay to Card, where the 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 require a minimum of $500, while the 1 percent minimum applies to Card, Crypto and Tradin Transfer. Trustpilot reviewers routinely describe far faster arrivals than the published window, but 1 to 3 working days is the firm’s own commitment and the number to plan around.

Two alternatives to cash exist. Buy a Challenge turns a reward straight into a new account with no payment needed and returns anything left over through your chosen method. A Tradin Transfer moves the reward into a Tradin account, the group’s own regulated broker, with an instant 30 percent trading credit bonus that unlocks as cashback per lot traded and carries no expiry. On top of that, the original registration fee is refunded at the 4th reward on a 1 Step or 2 Step Standard Master Account, and FundingPips states the refund has never applied to 2 Step Pro, 2 Step Flex or Zero.

Buying Strategy For New FundingPips Traders

A workable order of decisions for a first FundingPips purchase:

1. Pick the model that matches how your profit is distributed, not the one with the biggest number on the split
2. Pick a size the model actually offers. Only 2 Step Pro and Zero reach $200K, and only 2 Step Standard and 2 Step Pro offer $2.5K in select countries
3. On 2 Step Flex, decide between the 85 and 95 percent split before paying. The choice is locked for the life of the account and both cost the same
4. Apply code VIBES at checkout and confirm the discounted total on the summary
5. Choose the platform at checkout, and check the country rules first if you trade from the United States or Canada
6. Set the reward cycle on the dashboard when the Master Account is created. That action enables trading and locks the split permanently
7. Place the first trade. On every cycle-based model the reward clock starts from that trade, not from the purchase
8. Remember that KYC comes later, after the evaluation is passed and before the Master Account is issued

Risk Management By Model

Each envelope rewards a different sizing discipline, and on two models the binding constraint is not the drawdown limit at all.

1 Step Flex Risk Management

The 12 percent floor is among the widest static drawdowns in the lineup, but the 1 percent Striking threshold is the tightest anywhere. On a $100K account a single trade idea sitting $1,000 in floating loss costs a warning, and the second one halves the split for good. Size for the warning threshold, not for the floor.

2 Step Standard Risk Management

A 10 percent static floor against a 5 percent Daily Loss Limit means two full daily budgets fit inside the total. Above $25,000 the binding constraint is the 1.2 percent Striking threshold rather than either limit, and it applies to 8 percent target accounts, which is now every new one.

2 Step Flex Risk Management

A 12 percent floor against a 4 percent Daily Loss Limit means three daily budgets fit inside the total, second only to 1 Step Flex, where the same 12 percent floor sits against a 3 percent daily limit and leaves room for four. On the 95 percent split the real constraint is not risk but rhythm: three profitable days per phase, then three more per reward cycle, each at 0.5 percent or more of the starting size.

2 Step Pro Risk Management

A 6 percent floor against a 6 percent target is a one-to-one ratio, so a drawdown effectively has to be earned back twice. Half a percent of risk per trade is a sensible ceiling here. There is no Risk Per Trade Idea cap and no documented Striking System, which means the two drawdown limits are the whole rule set.

FundingPips Zero Risk Management

The tightest combination in the lineup: a 5 percent trailing floor, a 3 percent Daily Loss Limit and a 1 percent Max Open Risk Limit on combined floating losses that can close the account without a single trade being closed. Add the 15 percent Consistency Score and the sizing answer writes itself, small and even.

The bottom line

FundingPips runs five standard account models as of 28 August 2026: four evaluations plus the instant-funded Zero. It also offers Starter Edition through FundingPips Labs while that limited drop remains in stock. Starter Edition is a separate experiment, not a permanent sixth model, and its allocation sits outside the standard $400K ceiling. For the standard lineup, choose the rule envelope and reward cycle that match your trading rather than the largest headline split.

Frequently Asked Questions

What are the FundingPips account types?

FundingPips runs four evaluation models plus the instant-funded Zero: 1 Step Flex (one phase, 12 percent), 2 Step Standard (8 then 5 percent), 2 Step Flex (10 then 6 percent), 2 Step Pro (6 and 6 percent) and FundingPips Zero, which has no evaluation and starts as a Master Account. Each evaluation ends in a Master Account, and the reward split is fixed by the model plus the reward cycle you set before trading is enabled.

How many FundingPips account models are there?

Five standard models: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and FundingPips Zero. FundingPips also runs temporary Labs experiments. The current Starter Edition is a separate limited $100K drop with its own rules and allocation; it is not part of the permanent five-model catalog.

Which FundingPips account has the highest profit split?

FundingPips Zero at 95 percent bi-weekly and 2 Step Flex on its 95 percent option are the highest fixed splits. 2 Step Standard reaches 100 percent only on the Monthly cycle, which means 30 calendar days between rewards. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35 percent Consistency Score or lower, seven profitable days of at least 0.5 percent of the starting Master Account size, and a 1 percent Striking System trigger. 2 Step Pro pays 80 percent weekly, 1 Step Flex 85 percent bi-weekly, and a Prime Account 80 percent daily. Whichever you take, the split is locked when the cycle is set and cannot be changed afterwards.

Which FundingPips account is easiest to pass?

On the numbers, 2 Step Pro: 6 percent in each phase and a single minimum trading day per phase. On risk, 2 Step Standard, whose 10 percent static floor sits against an 8 percent Phase 1 target, and 2 Step Flex, whose 12 percent floor sits against 10 percent. Pro’s 6 percent floor against a 6 percent target leaves no recovery room, which is why the fastest model on paper is not the safest one in practice.

Which FundingPips account has the fastest payout?

A Prime Account, which pays daily and can be requested any number of times. Among the standard models, 2 Step Pro on its weekly cycle and 2 Step Standard on Weekly, both 7 calendar days after the first executed trade. Processing takes 1 to 3 working days after approval in every case, plus 1 to 2 working days for the money to land, unless you use Pay to Card in one of the 14 supported countries and your bank supports it, where the reward arrives instantly or within 30 minutes of approval, and up to 48 hours if your bank runs additional security checks.

What is the cheapest FundingPips account?

The smallest sizes on the smallest models. Per the FundingPips pricing page, checked 30 July 2026, a $5K 2 Step Standard was $32 and a $10K was $59, with the page advertising a start price of $29. The help center publishes no prices for any model, so check the current fee in the purchase flow. Code VIBES applies at checkout. A $2.5K size exists on 2 Step Standard and 2 Step Pro in select countries.

Can I have multiple FundingPips accounts?

Yes, with one ceiling: all active accounts, including Evaluation, Master and Prime Accounts, share a single Max Allocation of $400K across all models, though the Prime article words the same $400K more narrowly, as a ceiling across active Prime Accounts. A Monthly Competition account is excluded from that total. Merging is only available between Master Accounts of the same model, is irreversible, and cannot include a Zero account. After a merge the platform and reward cycle of the first purchased account apply.

What platforms do FundingPips accounts support?

All five models run on MT5, cTrader and Match-Trader, chosen at checkout. MT5 is not offered to the United States or Canada and cTrader is not available to US residents and citizens, so US traders are on Match-Trader only while Canadian traders can use Match-Trader or cTrader. Match-Trader is reached through the FundingPips version from the Credentials pop-up rather than the generic Match-Trader site or app. The Swap-Free add-on is MT5 only and covers Forex and Metals.

What is the difference between FundingPips Zero and the evaluation models?

Zero has no evaluation phase and no profit target; it is a Master Account from day one. The trade-off is the tightest rule set in the lineup: a 5 percent trailing loss limit on the highest recorded equity, a 3 percent daily loss limit, a 1 percent Max Open Risk Limit on combined floating losses, a 15 percent Consistency Score, seven profitable days per rolling 30, a Safety Cushion that makes profit up to 3 percent of the account size ineligible, news trading prohibited, and weekend holds an immediate termination. The reward split is 95 percent bi-weekly.

How does FundingPips scaling work?

Through the Prime Account rather than through tiers on the Master Account. You can be invited, or unlock one after the 3rd reward if the profit after it reaches at least 2 percent of the Master Account size, though FundingPips’ account comparison page describes moving part of any reward from the first one onward; up to 10 percent of that size can be unlocked, and 12.5 times the unlock amount sets the Prime Account Size. FundingPips’ worked example is $8K x 12.5 = $100K. The Master Account closes when the Prime Account opens. From there the account scales in 10 percent steps toward a $2M maximum, on a trailing 8 percent Max Loss Limit and an 80 percent daily split.

Does FundingPips Zero require regular trading activity?

Yes. Zero needs at least seven profitable days of 0.25 percent or more per rolling 30-day period. Separately, 30 consecutive calendar days without a fully closed trade is a breach on every model, not just Zero, and open trades do not count toward it. Since there is no time limit on any evaluation, inactivity is the one rule that can close an account without a loss.

What is the risk per trade rule on FundingPips Master?

It depends on the model, and it is live on two of the five. Zero: 3 percent of the account size below $50K, 2 percent at $50K and above. 2 Step Flex: nothing below $25K, 3 percent at $25K, 2 percent above. On 1 Step Flex, 2 Step Standard and 2 Step Pro the FundingPips rules page lists the cap as not applicable, and the 2 Step Pro page words it as removed. The 3 and 2 percent ladder still shown on the 2 Step Standard page is marked there as applying to the 10 percent profit target only, and that target stopped being offered effective 24 July 2026 at 06:00 Server Time (UTC+3). The rule never applies during an evaluation phase, it covers all correlated positions in one trade idea, and a breach closes the account immediately.

Does FundingPips offer swap-free accounts?

Yes, as an add-on selected at purchase. It is exclusively available on MetaTrader 5 and is not supported on cTrader or Match-Trader. It covers Forex and Metals only, while Energies, Indices and Crypto still incur standard swap charges. Commission rises to $10 per lot on the swap-free variant, and the weekend restriction stays in place regardless of the add-on.

Can I trade news on FundingPips?

Not freely on any model. During evaluation phases there are no restrictions on holding through events, but purposely trading news is prohibited and leads to account closure. On Master Accounts 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 a trade opened or closed in that window is deducted, not just the part earned inside it. Trades opened 5 hours or more before the event are exempt. On Zero the window is 10 minutes either side and trading news is a hard breach. FundingPips also states that traders are responsible if a profit deduction pushes the account through the daily loss or max loss limit.

How long does it take to get the Master Account after passing?

FundingPips does not publish a KYC turnaround time. It does publish the rest: the Responsible Trading Team review takes up to 2 working days and starts only once KYC is complete, the Customer Agreement is valid for 30 days from receipt, and connecting the new Master Account to the risk management framework takes a further 2 working days. KYC itself is automated, with the compliance team stepping in by email only if a manual review is needed.

Does FundingPips have a discount code?

Code VIBES applies at checkout across FundingPips account models and sizes. Confirm the discounted total on the checkout summary before paying, since FundingPips runs its own public promotions from time to time. Reset discounts are separate and documented: 15 percent on a Phase 1 reset, 10 percent on Phase 2, 7 percent on a Master reset excluding accounts at $100K and above, and 20 percent on Zero, each available only within 7 calendar days of the breach.

What is the FundingPips Free Trial?

A free MT5 environment that mirrors 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. Profit 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, cannot run alongside an active account, produces no rewards, and cannot be converted into an Evaluation or Master Account.

What is the FundingPips Striking System?

A four-warning system on 2 Step Standard Master Accounts above $25,000 and on all 1 Step Flex Master Accounts. A warning is recorded when the floating loss on one trade idea crosses the applicable threshold, 1 percent for 1 Step Flex and 1.2 percent for 2 Step Standard. The first warning is a warning, the second drops the reward split by half, the third drops it to 20 percent, and the fourth is an account breach and immediate closure. Warnings are cumulative and never reset, trades are never force-closed, and the profit from a warned trade idea is deducted from the account.

What is the FundingPips Profit Concentration Policy?

If a single trade idea contributes more than 60 percent of a phase’s profit target, the Master Account created after passing needs four profitable days before each reward, for the life of the account. A profitable day closes at least 0.5 percent of the account size up. It applies to evaluation accounts at $25,000 and above created on or after 27 June 2026, and on 1 Step Flex the model page states it applies at all account sizes. Zero has no evaluation phase and is not affected, and the evaluation itself does not fail.

Can I hold trades over the weekend on FundingPips?

Not on a Master Account at the moment. A temporary change effective 29 January 2026 stops weekend holds on Master Accounts across the four standard models; open trades are auto-closed at Friday market close, and on those four models this is not a hard breach. FundingPips gives that date in its news and weekend-holding article, while the 2 Step Standard and 2 Step Pro model pages describe the same restriction without naming a start date and say it remains in effect until further notice. Evaluation phases still permit weekend holds without restriction. On Zero the ban is permanent and leaving a position open into the weekend is an immediate account termination.

What are the primary sources?

PTV uses these first-party pages as the current owners for this guide’s material facts. Each link supports only the scope named below; it does not verify every sentence on this page.

• 1 Step Model — 1 Step model.
• 2 Step Standard — 2 Step Standard model.
• 2 Step Pro Model — 2 Step Pro model.
• FundingPips Zero — Zero model.