FundingPips Rules 2026: Every Challenge Explained

FundingPips runs five account models, and each one carries its own loss limits, its own reward split and its own set of rules that only switch on after you pass. The rules during the evaluation are forgiving. The rules on the Master Account are not, and they are not the same rules. The single biggest mistake I see traders make is assuming the evaluation rules carry over. They do not.

The good news: all four evaluation models use a static max loss that never moves, there is no time limit on any evaluation phase, and weekend holds are allowed while you are still in the evaluation. The bad news: on the Master Account news trading gets restricted, weekend holds are currently blocked, a Striking System can close the account after four warnings, and on 2 Step Flex and FundingPips Zero a Risk Per Trade Idea cap ends the account on the spot. None of that is visible while you are passing the challenge.

This guide covers every rule across the FundingPips lineup, the four evaluation models (1 Step Flex, 2 Step Standard, 2 Step Flex and 2 Step Pro) plus the instant-funded FundingPips Zero, broken down by evaluation phase against funded (Master) stage. Read the funded-stage section before you place a single trade. That is where the account-ending rules live.

Drawdown Rules: Static vs. Trailing (And Why It Matters)

All four evaluation models use a static max loss: the floor is set when the account opens and it never moves, not with profit, not after a phase change, not on the Master Account. FundingPips Zero is the exception and trails. What differs between the models is the size of the floor, and the spread is wide: from 6% on 2 Step Pro to 12% on both Flex models.

How Static Drawdown Actually Works

Static drawdown means your maximum loss limit is fixed from the moment you start. On a $50,000 2 Step Standard account with a 10% Max Loss Limit, your equity floor is $45,000, period. Grow the account to $55,000? Your floor stays at $45,000. Have three winning weeks in a row? Still $45,000. The floor is touch-sensitive, though: FundingPips states that the moment your account value touches or drops below the limit, even briefly, it counts as a violation, and it does not matter if the account recovers right after.

Compare that to trailing drawdown, which I deal with on my futures prop firm accounts. On those firms, every new equity high moves your floor up permanently. A $50,000 account that grows to $55,000 now has a floor of $50,000. You can't give back any gains without eating into your drawdown.

For forex trading, static drawdown is significantly more forgiving. Currency pairs trend and retrace. Having a fixed floor means you can hold through retracements without your drawdown floor chasing you up. I've had FundingPips positions go $300-$400 offside on a pullback, recover, and close profitable, something that would've been much more stressful on a trailing drawdown firm.

The Zero Account Exception: Trailing Drawdown

FundingPips Zero is the one exception. Zero runs a 5% Max Trailing Loss Limit, and the floor follows your highest recorded equity upward and never moves back down. It has one release valve: once equity reaches 5% above the starting account size, the floor stops trailing and locks permanently at the starting size. A reward never resets it.

FundingPips works the example on a $100K account. A peak of $102K puts the floor at $97,000, and your equity cannot drop to $97,000 at any point. A peak of $105K, which is the 5% mark, locks the floor permanently at $100,000 regardless of how high equity climbs afterwards. Until you reach that mark, every new peak costs you breathing room.

My take: Zero combines a trailing floor, a 15% consistency score, a 1% Max Open Risk Limit on floating losses and a weekend hold that is a hard breach. That makes it the most restrictive model in the lineup by a distance. Unless you specifically want to skip the evaluation and you are comfortable managing a trailing floor, one of the four evaluation models is the better trade.

Drawdown Limits by Account Type

Read that as five different accounts, not one firm-wide rule. 2 Step Flex gives you the deepest total floor at 12% but only 4% a day. 2 Step Pro gives you 6% in total, so one bad session can cost half of everything you have. And on every model the daily limit is measured from the higher of your opening balance or opening equity for that day, set at 00:00 Platform Time (UTC+3). Intraday profit widens the cushion above the floor. It does not lift the floor.

The 2 Step Pro's 3% and 6% limits are the tightest in the lineup. What it buys you is speed, one minimum trading day per phase against three on 2 Step Standard, and it pays for that with the smallest margin of error anywhere. I would only take Pro with a proven, low-drawdown strategy that keeps daily drawdowns under 1.5%.

Profit Targets and Evaluation Structure

FundingPips evaluations are straightforward: hit the profit target with all open trades closed, stay inside the loss limits, complete the minimum trading days, and you pass. There is no time limit on any phase on any model. The only clock that runs against you is the 30-day inactivity rule.

Profit Targets by Account Type

One change worth knowing if you bought earlier: FundingPips discontinued the 10% profit target on 2 Step Standard effective 24 July 2026 at 06:00 Server Time (UTC+3). Existing 2 Step Standard accounts on the 10% target reset as 2 Step Flex with an 85% profit split. The 10% and 6% pairing now belongs to 2 Step Flex, which comes with a 12% max loss and a 4% daily limit instead of the 10% and 5% of Standard, so it is not a like-for-like swap.

The Profit-to-Drawdown Ratio Trap

Here is something worth noting: 1 Step Flex asks for a 12% profit target against a 12% Max Loss Limit. That is a 1:1 ratio, and you get it in one phase instead of two. Compare that to 2 Step Standard Phase 2, where you need 5% profit against a 10% floor, a 0.5:1 ratio. Phase 2 is by far the easiest stretch in the lineup on a risk-to-reward basis, but you have to survive the 8% of Phase 1 to get there.

The 2 Step Pro asks 6% in both phases against a 6% Max Loss Limit, a 1:1 ratio in each phase. Not terrible on paper, but the 3% daily loss limit makes it feel much tighter than the numbers suggest. One bad morning and you have used half your daily allowance.

My take: 2 Step Standard gives you the best profit-to-drawdown ratio across the two phases and the most room for error. It is the Goldilocks option. Not the fastest (that is Pro), not the deepest floor (that is Flex), but the most forgiving.

If you want to test the mechanics before paying for anything, FundingPips runs a Free Trial on MT5, server FundingPips-Trial, that mirrors either 2 Step Standard or 2 Step Pro with identical targets and limits, 14 calendar days per phase. It is USD only, pays no reward, cannot convert into a real evaluation or a Master Account, and cannot run at the same time as an active account.

The Rules That Change After You Get Funded

This is the section that matters most. FundingPips is transparent about these rules, they're in the documentation, but most traders don't read them until after they've passed. And by then, it's too late to adjust.

News Trading Restrictions (Funded Stage Only)

During the evaluation there are no restrictions on holding trades through news events on any of the four evaluation models. One caveat traders miss: purposely trading news is prohibited and will lead to account closure. FundingPips defines that as deliberately opening or closing positions around a high-impact release to exploit the resulting volatility.

Once funded (Master Account), the rules tighten:

On the Master Account of all four evaluation models: profits from trades opened or closed within 5 minutes before or 5 minutes after a high-impact news event or speech, red folder on Forex Factory only, on the affected currency, are not counted. The trade does not breach the account, but the full profit of that trade is deducted, not just the part earned inside the window. Closing part of an order flags the whole order.

There's one exception: a trade opened 5 hours or more before the event can be closed inside the restricted window and the profit still counts.

You also carry the consequences of the deduction. FundingPips states plainly that if stripping the profit pushes the account through the daily loss or max loss limit, the breach is valid and the account closes.

FundingPips Zero is different in kind, not in degree. News trading there is prohibited outright and it is a hard breach, not a profit deduction. No position may be opened, closed or held from 10 minutes before to 10 minutes after a high-impact event on the affected currency, and for speeches the window runs from 10 minutes before it begins to 10 minutes after it ends. Break it and the account is terminated.

What this means practically: pull up the Forex Factory calendar before your session, which FundingPips names as the official source and mirrors in the dashboard, and treat red folder releases as no-touch zones. On the four evaluation models a mistake costs you the profit. On Zero it costs you the account.

The Consistency Rule: When It Applies (And When It Doesn't)

This is where FundingPips gets confusing, because the consistency rule depends on both your account type AND your chosen payout frequency.

During the evaluation: no consistency score on any model. You can make most of your profit on one day and still pass, as long as you meet the minimum trading days. There is one evaluation-phase rule that does bite later, though, the Profit Concentration Policy, and it is covered below.

After funding:

The On Demand cycle on 2 Step Standard (90% split) requires a 35% consistency score: no single trading day can account for more than 35% of total profit. It resets after each reward. FundingPips states that Weekly and Bi-Weekly are not subject to the 35% rule; Monthly is subject to it for Master Accounts purchased on or after 15 August 2026, together with seven qualifying days and a 1% Striking System trigger.

FundingPips Zero requires a 15% consistency score at every reward request, the tightest number in the lineup. The formula is published: Consistency Score = (Biggest Winning Day / Current Total Account Profit) x 100%. Failing it is a soft breach, not a closure: rewards are blocked until it clears, the account stays open, and you can trade the score back into range by adding smaller profitable days as total profit grows.

2 Step Flex is the opposite case. The help center states outright that there is no Consistency Score on either split. For 1 Step Flex and 2 Step Pro no consistency score is documented at all: the reward section of each model names only the cycle and the 1% minimum request.

So the split is not a ladder you climb. The final action before you can trade is setting your reward cycle in the dashboard, and that selection is locked permanently. On 2 Step Standard that means choosing between Weekly at 60%, Bi-Weekly at 80%, On Demand at 90% and Monthly at 100% before your first trade, and living with it for the life of the account.

My approach: I trade with consistency in mind regardless of which cycle I picked. Targeting similar daily returns keeps you clear of consistency thresholds organically. If your equity curve is smooth, the consistency score is a non-issue.

The Profit Concentration Policy: an evaluation rule with a lifetime bill

This one is set during the evaluation and charged on the Master Account. If a single trade idea contributes more than 60% of the profit target of a phase, the Master Account created after you pass requires 4 profitable days before every reward request, for the life of the account. A profitable day is one that closes at 0.5% or more of the account size, and the four days do not have to be consecutive. It does not fail your evaluation, and it never expires.

FundingPips works the math on a $25,000 2 Step Standard: the 8% Phase 1 target is $2,000, so a single trade idea contributing more than $1,200 triggers the policy. It applies to evaluation accounts of $25,000 and above created on or after 27 June 2026, and an evaluation reset counts as a new account. On 1 Step Flex the model page says it applies at every account size. FundingPips Zero has no evaluation phase and is not affected.

The Striking System: four warnings and the account is gone

This is the rule most likely to end a Master Account for a trader who never touched a loss limit, and almost nobody writes about it. The Striking System gives you up to four warnings to manage trade risk on 2 Step Standard Master Accounts above $25,000 and on all 1 Step Flex Master Accounts. A warning is recorded the first time a single trade idea builds a combined floating loss past the threshold: 1% of account size on 1 Step Flex, 1.2% on 2 Step Standard. Recovering the trade does not remove it.

The consequences compound and they are permanent. On 1 Step Flex the second warning takes the split from 85% to 42.5% and it stays there. The profit from every warned trade idea is deducted from the account, and losing trades are not refunded. Warnings are cumulative for the life of the account: requesting a reward, starting a new reward cycle or scaling the account does not reset the count.

Worked thresholds from FundingPips: on 1 Step Flex a floating loss of $50 on a $5K account, $250 on $25K, $1,000 on $100K. On 2 Step Standard, $600 on a $50K account, $1,200 on $100K, and $360 on a $30K merged account. Trades are never force-closed, which is exactly why you can collect four warnings without anything visibly going wrong. The system is not documented for 2 Step Flex, 2 Step Pro or FundingPips Zero, and it does not apply to 2 Step Standard accounts at $25,000 or below.

Risk Per Trade Idea: the 2% and 3% loss cap, and the three models it does not touch

Read this one carefully, because our earlier guides had it backwards. Risk Per Trade Idea caps the loss, not the profit. It is the maximum combined loss allowed on a single trade idea on a Master Account, covering realized and unrealized losses across all related positions, and breaching it closes the account immediately. Two models carry it today: 2 Step Flex and FundingPips Zero.

A trade idea is a single trade, or several positions on the same instrument in the same direction, including any new position opened within 10 minutes of closing a losing trade. All of them are grouped and assessed together, and a profit on one leg does not reduce the assessed loss on another. The rule never applies during an evaluation phase, only on the Master Account, merged accounts included.

In money, on the two models that still carry it: a $25,000 Master under the 3% band caps combined loss on one trade idea at $750, and a $100,000 Master under the 2% band caps it at $2,000. Those are the numbers FundingPips itself works through, and they are hard limits, not guidance. There is no partial penalty, the account closes.

2 Step Standard used to belong in that table and no longer does. Its model page still shows 3% below $50K and 2% at $50K and above, but tags that card "Applies to 10% profit target only", and the 10% profit target was discontinued effective 24 July 2026 at 06:00 Server Time (UTC+3). The dedicated Risk Per Trade Idea page, updated 30 July 2026, lists 2 Step Standard as not applicable at every account size. On a 2 Step Standard Master Account today the loss cap does not apply. The Striking System does, above $25,000.

Toxicity Flow Detection

FundingPips monitors for "toxic trading flow", patterns that suggest you're exploiting execution delays, latency arbitrage, or price feed discrepancies rather than trading genuine market direction.

What triggers toxicity flags: extremely short hold times (opening and closing within seconds), consistent profiting from price gaps at session boundaries, patterns that resemble tick scalping or high-frequency trading, and stacking orders around news events on the funded account.

What doesn't trigger it: normal scalping (holding 2-30 minutes), day trading, swing trading, and an EA running at normal execution speed. On EAs the policy itself is two-stage and worth reading before you automate anything. A third-party EA is permitted only when used strictly as a trade or risk manager, and any other use of one means denial of the evaluation or reward plus closure of the account. An EA you developed yourself may run full automation with proof of ownership, and the help center names source code, version control history, development environment evidence or walking the team through the logic on a live call, while a compiled binary on its own is not proof. Two account types break the pattern: the Monthly Competition prohibits all EAs including personal ones, and the 1K Instant Giveaway account permits third-party EAs and trade copiers, full automation included.

My honest take: if you're a normal trader, this rule won't affect you. It's aimed at bot operators exploiting execution infrastructure. But I've heard stories of traders getting flagged for aggressive scalping during high-volatility moments, so if you scalp, keep hold times above 60 seconds to be safe.

Prohibited Strategies and Behavioral Rules

Strategies That Will Get You Breached

FundingPips explicitly prohibits: gap trading (exploiting weekend and session gaps), high-frequency trading, server spamming, latency arbitrage, toxic trading flow, hedging, long-short arbitrage, reverse arbitrage, tick scalping, server execution exploits, opposite account trading, and churning and burning. The help center adds that forbidden strategies result in immediate account termination.

They also prohibit account management by any third-party vendor, which the help center says results in immediate account termination. Copy trading is not a yes or no, the direction decides. Permitted: copying between your own FundingPips accounts registered under the same individual, and using your FundingPips account as the master to copy trades outward to an external account. Prohibited: inbound copy trading, meaning signal providers or trade copier services where your FundingPips account is the slave, copying between accounts owned by different users, and coordinated trading across master accounts not owned by the same individual. Practical note from the same page: use the investor password, which is read-only, when you set up a master account for a copier, because using your main account password may trigger further investigation.

Hedging needs care, because the help center is not uniform on it. It sits on the forbidden strategies list with no qualifier, and the FAQ on the same page adds that coordinated hedging between accounts to guarantee a win on one side is not permitted, so a long EUR/USD on one account against a short EUR/USD on another is out. On the 1K Instant Giveaway account it goes further: hedging there is strictly prohibited and results in immediate account closure. For hedging inside a single account the help center makes no separate statement in either direction, so get an answer from support in writing before you build a strategy on it.

IP Consistency, VPN and VPS

FundingPips requires your IP address region to remain consistent during both the evaluation phase and the Master Account. If the risk team detects a region change, they'll contact you for proof, airline tickets, passport stamps, or live video confirmation of your location.

VPN and VPS usage is not permitted. The help center is blunt about it: connecting to a VPN or VPS while accessing your trading account is not permitted, and you are told to make sure it is disabled before you log in. What is allowed sits right next to that line: you may use multiple ISPs during both the evaluation phase and on your Master Account, and multiple devices within the same city. IP activity is logged to verify the account holder is the one trading. The leniency has a hard edge, though, and it is worth reading twice: it covers IP and location changes, not conduct. In cases of clear policy violations such as forbidden strategies or third-party account management, accounts may be terminated immediately without prior notice.

For travelers: notify FundingPips support before traveling internationally. Have documentation ready. This rule exists to prevent account selling and unauthorized access.

Inactivity and Account Maintenance

The number is documented and it is 30. Thirty consecutive calendar days without a fully closed trade breaches the account. Open trades do not count, only a closed one resets the clock, and the clock starts at account creation or on the day after your last fully closed trade. Because there is no time limit on hitting a profit target anywhere in the lineup, this is the only rule that can close a FundingPips account without a loss.

My approach: I set a calendar reminder every two weeks. Even a small 0.01-lot trade keeps the account active and your metrics flowing. Don't lose a funded account because you took a vacation and forgot.

Weekend and Overnight Holding Rules

Weekend holds are permitted during the evaluation phases on all four evaluation models, with no restriction on instruments. Crypto positions may be held over the weekend during evaluation phases only.

On Master Accounts the answer today is no. A temporary change has been in effect since 29 January 2026: weekend holds are not allowed on Master Accounts across the four standard models. Open trades are auto-closed by the system at Friday market close, and on 1 Step Flex, 2 Step Standard, 2 Step Flex and 2 Step Pro this is not a hard breach. The 1 Step Flex and 2 Step Flex pages name the January date; the 2 Step Standard and 2 Step Pro pages carry the same temporary block without a start date and say it stays in effect until further notice.

FundingPips Zero is not part of that temporary arrangement. There, weekend holding is a permanent baseline hard breach: all positions must be closed before market close on Friday, and leaving any position open into the weekend is an immediate account termination, regardless of instrument. The Swap-Free add-on does not change it. The 1K Instant account is the one documented exemption, where weekend holds are permitted across all instruments.

Overnight holding during the trading week is not restricted on any model. The Swap-Free add-on exists precisely so you can hold overnight without swap charges; it is selected at purchase, works on MetaTrader 5 only, and covers Forex and Metals only. Energies, Indices and Crypto still incur standard swaps even with the add-on active.

Note that with the weekend block live on Master Accounts, the gap risk now sits in the evaluation phase, where holds are still allowed. FundingPips is explicit about who carries it: if a weekend gap breaches your Max Loss Limit, the breach is valid and the account closes. I have seen EUR/USD gap 30 to 50 pips on a Monday open after a quiet weekend.

Leverage and Position Sizing Limits

Standard leverage on the four evaluation models is 1:100 on Forex, 1:30 on Metals, 1:10 on Energies, 1:20 on Indices and 1:2 on Crypto. FundingPips Zero runs lower on two of them: 1:50 on Forex and 1:20 on Metals. With the Swap-Free MT5 add-on the whole schedule tightens: 1:30 Forex, 1:10 Metals, 1:10 Energies, 1:5 Indices, 1:2 Crypto.

Two temporary changes are live and both tighten things further. Crypto drops from 1:2 to 1:1 on the Master Account on every model, including swap-free accounts, while it stays 1:2 during the evaluation phases. And a dynamic leverage tier system applies to Metals, Indices and Energies on Master Accounts, effective 16 March 2026 at 23:59 Server Time (UTC+3), on all five models.

Margin is cumulative, so each tier applies only to the volume inside its range, not to the whole position. In practice a metals or indices position that grows past half a lot is margined at a tenth of the leverage the first slice got. Forex stays on standard account leverage throughout.

There is a hard lot cap too, and it sits at the platform level on every model, not just Zero: 20 lots per click or ticket, not overridable. Crypto is capped separately at 1 lot per click, and on crypto that is the binding restriction. Commission is $5 per lot on Forex and Metals ($10 with the Swap-Free add-on), $7 per lot on FundingPips Zero (same $10 swap-free), nothing on Energies and Indices, and 0.04% on Crypto, calculated as lot size x crypto price x 0.04%.

My recommendation: just because you have 1:100 leverage does not mean you should use it. On a $50K 2 Step Standard account, 1 standard lot of EUR/USD with a 30-pip stop is $300 of risk, 0.6% of the account. That is responsible. 10 lots with the same 30-pip stop is $3,000, 6% of the account, which blows straight through the 5% daily loss limit. Leverage is a tool, not a dare.

Payout Rules and Profit Split Structure

FundingPips calls payouts Rewards and funded accounts Master Accounts, so that is the language you will meet in the dashboard. The system is flexible and complicated in equal measure, because your split is set by the cycle you choose, and you choose it exactly once.

Reward Cycles and Splits by Model

For 2 Step Standard Master Accounts, four cycles and four splits:

• Weekly: 60% split, first available 7 calendar days after your first executed trade on the Master Account
• Bi-Weekly: 80% split, every 14 calendar days
• On Demand: 90% split, requestable any time with a 35% consistency score and at least 2% profit
• Monthly: 100% split, every 30 calendar days

For 1 Step Flex and 2 Step Flex the cycle is fixed:

• 1 Step Flex pays Bi-Weekly at 85%. 2 Step Flex pays Bi-Weekly at 85% or 95%, and you choose which when you buy the account. Both cost the same, the choice is locked for the life of the account, and the 95% option additionally requires 3 profitable days in every reward cycle, on top of the 3 profitable days each evaluation phase already requires on that split.

For 2 Step Pro and FundingPips Zero:

• 2 Step Pro pays Weekly at 80%, every 7 calendar days. FundingPips Zero pays Bi-Weekly at 95%, every 14 calendar days after your first executed trade. The minimum request everywhere is 1% of the Master Account size including FundingPips split, except On Demand on 2 Step Standard, which needs 2%. Rise and Bank Transfer each require at least $500.

Processing is 1 to 3 working days, excluding weekends. That is the number the firm publishes, and it is not 24 hours. A Friday request begins on Monday as Day 1 and completes by Wednesday as Day 3. Allow another 1 to 2 working days for the money to reach your wallet or bank. All methods run on that same clock, with one documented exception: Pay to Card arrives instantly or within 30 minutes of approval, up to 48 hours if your bank runs extra security checks, and it is only offered in selected countries. Once a request is submitted it cannot be cancelled or modified. Trustpilot reviewers overwhelmingly report faster turnarounds than the published window, but 1 to 3 working days is the number the firm commits to.

Zero's four reward conditions

Zero pays the highest split in the lineup and gates it behind four conditions that must all be met at the same time before you can even submit a request: a consistency score of 15% or below; at least 7 profitable days of 0.25% or more each inside the current rolling 30-day window; a 3% Safety Cushion, meaning profit up to 3% of the account size, which FundingPips words as the first 3% profit on the Master Account, is not eligible for a reward request; and your biggest single losing trade must not exceed your biggest single winning trade. Miss one and the request cannot be submitted.

The Registration Fee Refund at the 4th Reward

When you reach your 4th reward on a 1 Step or 2 Step Standard Master Account, the original registration fee you paid for the challenge is refunded. It does not apply to 2 Step Pro, 2 Step Flex or FundingPips Zero, which have always been excluded. One wrinkle worth flagging: the help center names "1 Step" in one place and "1 Step Flex" in another, so confirm which applies to your account before you count on it.

That makes a 2 Step Standard evaluation effectively free if you stay funded through four reward cycles. For scale: the fee shown for a $50K 2 Step Standard on the FundingPips pricing page was $269 when I checked it on 30 July 2026. The help center itself publishes no prices at all, so check the current fee in the purchase flow before you buy.

The Prime Account: Where a Master Account Becomes a Career

FundingPips does not run a four-level scaling ladder, and the tier names that circulate in older guides are gone from the help center entirely. The mechanic that sits above the Master Account is the Prime Account, and the help center describes it in one line: the Prime Account is where a Master Account becomes a career. There are two ways in, by FundingPips invite, or by unlocking it yourself after the 3rd reward, though the firm's comparison page describes the move from any reward, the first included. Everything in this section is covered from the published FundingPips rules.

Unlock: the profit after the 3rd reward must reach at least 2% of the Master Account size, and up to 10% of the Master Account size can be moved in. The multiplier is the same for every model: x12.5 on the unlock amount sets the Prime Account Size, so the worked example FundingPips gives is $8K x 12.5 = $100K. The unlock amount is the price of the Prime Account, not a balance you can request back, and your Master Account closes once the Prime Account opens and its trades are closed.

Limits: the Max Loss Limit is 8% below the starting balance, trailing the highest end-of-day balance, and it locks once a day closes 3% above the Prime Account Size. The worked example on a $100K Prime: the floor starts at $92K, and a day closing 3% above at $103K locks the floor at $95K. The floor moves only on end-of-day closes, so an intraday high never raises it, and the breach is on touch. The daily limit is 2% and it is soft: a soft breach pauses trading for the day, the account stays open and resumes the next trading day.

Rewards and scaling: Prime pays daily at an 80% split, requestable any number of times, minimum 1% of the Prime Account Size. Scaling adds 10% to the size at each step. The first four scale-ups need +5% profit, the fifth onward +10%. Profitable days: none on the first three, 4 on the fourth, 10 from the fifth onward, and they do not have to be consecutive.

Ceiling: the maximum is $2M per Prime Account. At Scale-up Level 10 or $2M the account reaches Certified FundingPips Trader, featured on the Tradin Investor Marketplace with an audited track record and earning a 20% profit share on investor capital.

One number governs everything above it and appears in almost no guide: all active accounts, including Evaluation, Master and Prime Accounts, share a single Max Allocation of $400K, and that applies to all models, though the help center's Prime Account article states the same $400K more narrowly, across active Prime Accounts only. The Monthly Competition account is the stated exception and does not count toward it. That ceiling, not the size of any single account, is what actually limits how much simulated capital you can run at once.

Frequently Asked Questions

Does FundingPips use trailing or static drawdown?

The four evaluation models use a static Max Loss Limit: the floor is set when the account opens and never moves. The size differs by model, 12% on 1 Step Flex, 10% on 2 Step Standard, 12% on 2 Step Flex and 6% on 2 Step Pro. A $50,000 2 Step Standard account keeps a $45,000 floor even if the account grows to $60,000. Only FundingPips Zero trails, with a 5% Max Trailing Loss Limit that follows your highest recorded equity and locks permanently at the starting account size once equity reaches 5% above it.

Do FundingPips' rules change after passing evaluation and getting funded?

Yes, and this is where traders get blindsided. Evaluation rules are forgiving: no consistency score, no restriction on holding through news, weekend holds allowed. The Master Account adds news profit deductions, the Striking System with four warnings on 2 Step Standard Master Accounts above $25,000 and all 1 Step Flex Master Accounts, a Risk Per Trade Idea loss cap on 2 Step Flex and FundingPips Zero that closes the account on breach, a temporary weekend hold block in effect since 29 January 2026, and IP consistency monitoring. If a single trade idea carried more than 60% of a phase target during the evaluation, the Profit Concentration Policy also requires 4 profitable days before every reward, for the life of the account.

Can you trade news events on FundingPips funded accounts?

During the evaluation there is no restriction on holding through news on any of the four evaluation models, though purposely trading news is prohibited and leads to account closure. On the Master Account, profits from trades opened or closed within 5 minutes before or after a red folder Forex Factory event on the affected currency are not counted, and the full profit of the trade is deducted, not just the part earned inside the window. Trades opened 5 hours or more before the event are exempt. FundingPips Zero is different in kind: news trading is prohibited outright and it is a hard breach, with a window of 10 minutes on each side.

How does FundingPips' consistency rule work and which accounts does it apply to?

There is no consistency score during any evaluation phase. On the Master Account it is model-specific. 2 Step Standard applies a 35% consistency score to On Demand. Monthly applies the same ceiling to Master Accounts purchased on or after 15 August 2026, together with seven qualifying days and a 1% Striking System trigger; Weekly and Bi-Weekly remain outside that rule. FundingPips Zero applies 15% at every reward request, using the published formula (Biggest Winning Day / Current Total Account Profit) x 100%, and failing it is a soft breach that blocks rewards without closing the account. 2 Step Flex states outright that there is no Consistency Score on either split, and no consistency score is documented for 1 Step Flex or 2 Step Pro.

What is the Risk Per Trade Idea rule on FundingPips Master Accounts?

Risk Per Trade Idea caps the combined loss on a single trade idea on a Master Account, realized and unrealized, across all related positions, and a breach closes the account immediately. It never applies during an evaluation phase. Two models carry it: FundingPips Zero at 3% below $50K and 2% at $50K and above, and 2 Step Flex at nothing below $25K, 3% at $25K and 2% above $25K. The dedicated rule page, updated 30 July 2026, lists 1 Step Flex, 2 Step Standard and 2 Step Pro as not applicable at every account size. The 3% and 2% tiers still shown on the 2 Step Standard model page are tagged "Applies to 10% profit target only", and that target was discontinued on 24 July 2026.

Which FundingPips account type offers the best balance of rules and flexibility?

2 Step Standard, for most traders. Its 10% static Max Loss Limit against a 5% daily limit is the roomiest combination in the lineup, there is no time limit on either phase, and it is one of only two models where the registration fee comes back at the 4th reward. Phase 2 asks 5% against a 10% floor, the most forgiving ratio anywhere in the lineup. The trade-offs: three minimum trading days per phase, and it is one of the two models the Striking System applies to above $25,000. 2 Step Pro with 6% and 3% limits and Zero with a trailing floor plus four separate reward conditions are both more demanding.

Is hedging allowed across multiple FundingPips accounts?

Hedging sits on the forbidden strategies list without qualification, and the help center FAQ adds that coordinated hedging between accounts to guarantee a win on one side is not permitted, so a long EUR/USD on one account against a short EUR/USD on another is out. On the 1K Instant Giveaway account hedging is strictly prohibited and closes the account immediately. For hedging inside a single account the help center makes no separate statement, so ask support before relying on it. On copy trading the direction decides: copying between your own accounts under the same individual is permitted, as is using your FundingPips account as the master to copy outward, while inbound copying from signal providers or copier services, copying between accounts owned by different users, and third-party account management are prohibited and lead to termination.

What is FundingPips' payout structure and profit split?

FundingPips calls payouts Rewards, and your split is set by the reward cycle you choose in the dashboard before your first trade, which locks permanently. 2 Step Standard: Weekly 60%, Bi-Weekly 80%, On Demand 90% (needs a 35% consistency score and at least 2% profit), Monthly 100%. 1 Step Flex: Bi-Weekly 85%. 2 Step Flex: Bi-Weekly at 85% or 95%, chosen at purchase for the same price, with 95% requiring 3 profitable days per reward cycle. 2 Step Pro: Weekly 80%. FundingPips Zero: Bi-Weekly 95%. Requests are processed within 1 to 3 working days, plus another 1 to 2 working days for the funds to land.

What happens if your IP address changes on a FundingPips funded account?

FundingPips requires a consistent IP address region during both the evaluation phase and on the Master Account, and contacts traders for proof when a region change is detected: a plane ticket or boarding pass, a passport stamp, a VPS invoice, or a live video confirming your presence at the new location. The Responsible Trading Team contacts you first, so an account is not closed over an IP change without a chance to explain or verify it. That protection is specific to IP and location changes. Clear policy violations, such as forbidden strategies or third-party account management, can end an account immediately and without prior notice. Separately, connecting to a VPN or VPS while accessing your trading account is not permitted.

What is FundingPips' scaling program and what does the top tier offer?

Above the Master Account sits the Prime Account, not a multi-level scaling ladder. You get in by FundingPips invite or by unlocking it yourself after the 3rd reward, though the firm's comparison page describes the move from any reward, the first included, and the profit after that reward must reach at least 2% of the Master Account size. Up to 10% of the Master Account size can be moved in, and x12.5 on that unlock amount sets the Prime Account Size, so the worked example FundingPips gives is $8K x 12.5 = $100K. Prime pays 80% daily, runs an 8% Max Loss Limit trailing the highest end-of-day balance and a soft 2% daily limit, and scales in +10% steps toward a $2M maximum. At Scale-up Level 10 or $2M the account reaches Certified FundingPips Trader with a 20% profit share on investor capital. The Master Account closes when the Prime Account opens.

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