How to Buy FundingPips Challenge: Complete Purchase Process Guide 2026

I've bought seven FundingPips challenges over 18 months—three 50K accounts, two 25K accounts, one 100K, and one 10K for testing smaller lot sizes. The purchase process takes about 5 minutes from clicking "Buy Challenge" to receiving MT5 credentials.

Here's exactly how to buy a FundingPips account, which challenge type to choose, what payment methods work best, and what happens immediately after purchase.

Why I trade with FundingPips: I've been running FundingPips accounts across multiple challenges—passed evaluations, activated Master accounts, withdrawn profits through Tuesday Payday, and dealt with their support team. This assessment is based on real money in, real money out.

That said, no prop firm is perfect. FundingPips has strengths ($200M+ in payouts, static drawdown, flexible payout options) and weaknesses (funded-stage rule surprises, consistency requirements, $20 cTrader fee) that I've documented honestly. For a complete breakdown of their account types, pricing, and what to expect at each stage, read my full FundingPips accounts overview. For the absolute latest, check FundingPips' website or their FAQ section.

Before You Buy: Choose Your Challenge Type

FundingPips offers four challenge paths. Pick the wrong one and you're paying for rules that don't match your trading style.

My recommendation: Start with 2-Step Standard unless you're extremely disciplined with risk. The 5% daily loss limit and 10% max drawdown give you breathing room. 2-Step Pro's 3% daily and 6% max are tight—one bad NFP Friday and you're breached.

I bought my first three challenges as 2-Step Standard. Only after passing all three and understanding FundingPips' trading rules did I try 1-Step and Zero accounts.

Account Size Selection Strategy

Don't just pick the biggest account you can afford. Match account size to your actual trading strategy.

How I chose my account sizes:

I trade EUR/USD and GBP/USD primarily. My position sizing is 0.5-1.0 standard lots per trade with 15-20 pip stops. For that strategy:

• 10K account: Too small, can't scale properly
• 25K account: Works but feels constrained
• 50K account: Perfect balance of room and affordable eval fee
• 100K account: Overkill unless trading 2+ lots per position

I bought three 50K accounts at $289 each (with VIBES best discount always. That's my sweet spot. You get enough margin to trade multiple pairs without feeling cramped, and if you breach, you're not out $499 like the 100K evaluation.

Account size also determines your payout amounts. On a 50K funded account at 80% profit split, hitting 3% monthly ($1,500 gross) gets you $1,200 payouts. That adds up faster than grinding 1% on a 10K account for $80 payouts.

Step-by-Step Purchase Process

Step 1: Navigate to FundingPips homepage

Go to fundingpips.com. Click "Buy Challenge" in the top navigation or "Get Started" button on the homepage.

Step 2: Select challenge type

Choose from:

• 2-Step Standard
• 2-Step Pro
• 1-Step
• Zero (Instant Funding)

I always go 2-Step Standard unless I'm testing something specific.

Step 3: Select account size

Options: 5K, 10K, 25K, 50K, 100K

Click your chosen size. The price updates automatically.

Step 4: Customize options (if available)

For 2-Step Standard, you can now customize Phase 1 profit target during checkout. Want an easier 6% Phase 1 instead of 8%? Select it. The price adjusts accordingly.

I've never customized—I stick with default targets because I want to pass under the same conditions everyone else faces.

Step 5: Select trading platform

Choose between:

• MetaTrader 5 (MT5) - Free, most popular
• cTrader - $20 fee, better for scalpers
• Match-Trader - Free, web-based
• TradeLocker - Free, mobile-friendly

I use MT5 for all seven accounts. It's free, reliable, and I already know the interface inside out. cTrader's $20 fee isn't worth it for forex swing trading—cTrader shines for scalping strategies.

Step 6: Apply discount code

Critical step: Enter your discount code before payment.

The VIBES code gets you 40% off. On a 50K 2-Step Standard ($289), that's $115.60 saved. Final cost: $173.40.

Type "VIBES" in the discount code field. Click "Apply." Verify the discount shows in your cart total. I've seen traders skip this step and pay full price because they assumed the code auto-applies. It doesn't.

Step 7: Create account or log in

New users: Enter email, create password, agree to terms.

Existing users: Log in with your credentials.

Your dashboard saves all your purchased challenges. I can see all seven of my accounts in one place—active, funded, and breached.

Step 8: Select payment method

FundingPips accepts:

• Credit/debit cards (Visa, Mastercard) - Instant
• Cryptocurrency (BTC, ETH, USDT) - 10-30 minutes
• E-wallets (Apple Pay, Google Pay, PayPal, Skrill, Neteller) - Instant
• Bank transfer - 1-3 business days

I use my German Visa credit card for all purchases. Zero fees on my end, instant processing, zero payment failures.

Crypto works if your card gets declined, but you're dealing with price fluctuations during checkout. Bank transfer is too slow—I want to start trading same day, not three days later.

Step 9: Complete payment

Enter your card details:

• Card number
• Expiration date
• CVV
• Cardholder name
• Billing address

Click "Pay Now."

3D Secure authentication pops up. Enter the verification code your bank sends via SMS or approve the push notification on your banking app. Do this fast—you have 60-90 seconds before it times out.

Payment processes in 2-5 seconds if everything's correct.

Step 10: Receive confirmation

Immediate on-screen confirmation: "Payment Successful. Your challenge is being prepared."

Email confirmation arrives within 5 minutes showing:

• Challenge type and size
• MT5 login credentials (coming in separate email)
• Invoice/receipt

Save this email. You'll need the order reference if you contact support.

What Happens After Purchase

Within 2 business hours: MT5 credentials arrive via email.

The email contains:

• MT5 server address
• Login ID
• Password
• Download link for MT5 platform (if you don't have it installed)

I've received credentials as fast as 15 minutes after purchase. Longest wait was 1 hour 45 minutes on a Friday afternoon.

If credentials don't arrive within 2 hours: Check spam folder first. Still nothing? Contact support via live chat on FundingPips website. They resolve this in 10-20 minutes.

Your account appears in dashboard immediately. Navigate to the Card icon (Account Overview) in your dashboard navigation. Your new challenge shows with status "Active Evaluation."

Click on the account to see:

• Current balance
• Days active
• Profit/loss (once you start trading)
• Rule limits (daily DD, max DD, profit target)
• MT5 credentials (same as email, but accessible anytime)

Platform setup takes 5-10 minutes. Download MT5 from MetaQuotes or FundingPips' provided link. Install it. Open MT5. Click "File" → "Login to Trade Account." Enter your MT5 credentials from the email. Connected.

Run a test trade (0.01 lots, close immediately) to verify everything works. I do this with every new account before risking real evaluation progress.

Common Purchase Mistakes to Avoid

Mistake 1: Buying the largest account you can afford

I see new traders buy 100K accounts because "bigger is better." They breach in three days because they're not ready for that position size. Start smaller. Prove your strategy works on 25K or 50K first.

Mistake 2: Not applying discount code

Forgetting the VIBES code costs you 40%. On a 50K account, that's $115.60 wasted. Always apply the code, verify it shows in cart, screenshot it for proof.

Mistake 3: Choosing 2-Step Pro for the lower price

2-Step Pro ($229 for 50K) looks cheaper than Standard ($289). But the 3% daily loss limit is brutal. I've breached Pro accounts on bad news days that would've survived on Standard's 5% limit. The extra $60 buys meaningful breathing room.

Mistake 4: Selecting cTrader without understanding the $20 fee

cTrader costs $20 extra. Unless you're scalping with sub-5-pip stops, MT5 works fine and is free. I wasted $20 on my fourth account selecting cTrader "just to try it." Switched back to MT5 for accounts five through seven.

Mistake 5: Buying from a restricted country

FundingPips blocks 30+ countries. If you're in Afghanistan, Iran, North Korea, Syria, Vietnam, or other restricted territories, your payment will process but account activation will fail. Check the restricted list before buying.

Mistake 6: Not reading trading rules before purchasing

Different challenge types have different rules. Zero accounts don't allow weekend holding. 1-Step and 2-Step do. Funded accounts have news trading restrictions—evaluation accounts don't. Know this before buying.

Payment Processing Times by Method

Based on my seven purchases and Discord feedback from other traders:

Credit/debit cards: Instant (2-5 seconds)Apple Pay/Google Pay: Instant (1-3 seconds)PayPal: Instant (5-10 seconds)Cryptocurrency: 10-30 minutes (blockchain confirmation time)Skrill/Neteller: 1-2 minutesBank transfer: 1-3 business days

Fastest path: Credit card with 3D Secure pre-enabled in your banking app. Payment processes, credentials arrive within an hour, you're trading same day.

After Purchase: Immediate Next Steps

Download and install MT5 (if you don't have it). MetaQuotes has the official version. FundingPips sends a direct download link in the credentials email.

Log into your evaluation account. Enter server, login, password. Verify connection.

Review your account dashboard. Check profit target, drawdown limits, current balance. Screenshot these for reference.

Read the onboarding guide. FundingPips emails a quick-start guide. It covers minimum trading days (3 per phase), how drawdown calculates (EOD static), and when you can request first payout.

Plan your first trade. Don't jump in immediately. Wait for a clean setup. I don't trade the first 24 hours of a new account—I watch the market, verify platform execution, and plan my first position.

Save credentials in password manager. I use 1Password. All seven accounts stored with labels: "FP 50K Standard #1", "FP 50K Standard #2", etc. When I need to log in, everything's there.

Cost-to-Funded Calculation

Here's what it actually costs to get funded at FundingPips, including discount:

50K 2-Step Standard example:

• Base price: $289
• With VIBES 40% discount: $173.40
• If you pass first attempt: $173.40 total cost
• If you pass second attempt: $346.80 total cost
• If you pass third attempt: $520.20 total cost

I passed two of my three 50K accounts on first attempt. One took two tries (breached during FOMC). Total spent across three 50K accounts: $520.20. Total payouts received so far: $8,240. ROI is clear.

FundingPips refunds your evaluation fee on the 4th payout if you pass 1-Step or 2-Step challenges. So if you keep requesting payouts consistently, your fourth withdrawal includes your original $173.40 back. Effectively free after four payout cycles.

Final Purchase Checklist

Before clicking "Pay Now," verify:

• [ ] Selected correct challenge type for your strategy
• [ ] Chosen account size that matches your trading volume
• [ ] Selected MT5 (unless you specifically need cTrader)
• [ ] Applied VIBES discount code (40% off)
• [ ] Verified discount shows in cart total
• [ ] Double-checked card details (no typos)
• [ ] Not located in restricted country
• [ ] 3D Secure enabled on your card
• [ ] Email address is correct (credentials sent here)

Once payment processes, you're 2 hours from trading. Credentials arrive, platform connects, evaluation begins.

I've bought seven FundingPips challenges. The process is smooth, credentials arrive fast, and if you choose the right account type for your skill level, you'll be making payout requests in 2-4 weeks instead of rebuying accounts every five days.

Pick Standard over Pro unless you're flawless with risk. Apply the discount code. Start with 50K. Those three decisions save you money and increase your pass rate significantly.