FundingPips Rules Overview: The Definitive Guide (2026)

FundingPips has one of the most layered rule structures in the forex prop firm space—and that's both a strength and a trap. The rules during evaluation are forgiving. The rules after you get funded? Different story. I've gone through FundingPips challenges on multiple account types and the single biggest mistake I see traders make is assuming the evaluation rules are the funded rules. They're not. Not even close.

The good news: FundingPips uses static drawdown on most accounts (not trailing), gives you unlimited time to pass evaluations, and allows EAs, swing trading, and weekend holding on most challenge types. The bad news: once you're funded, news trading gets restricted, consistency rules kick in, and there's a set of hidden behavioral rules around IP addresses, toxicity flow, and the 3% single-trade rule that can end your account without warning if you're not prepared.

This guide covers every rule across all four FundingPips account types—1-Step, 2-Step, 2-Step Pro, and Zero—broken down by evaluation phase vs. funded (Master) stage. If you're planning to trade FundingPips, read this before you place a single trade. Especially the funded-stage section. That's where most people get blindsided.

Quick heads-up: This article is based on my real experience with Fundingpips and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check Fundingpips website or their help center.

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

FundingPips uses static drawdown on 1-Step, 2-Step, and 2-Step Pro accounts. This is one of the most trader-friendly aspects of their rule structure, and it's the reason I'd pick FundingPips over firms that use trailing drawdown for forex trading.

How Static Drawdown Actually Works

Static drawdown means your maximum loss limit is fixed from the moment you start. If you open a $50,000 2-Step account with a 10% maximum drawdown, 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.

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 (Instant Funding) account is the one exception. Zero uses equity-based trailing drawdown, meaning your drawdown floor moves up with your highest equity point. Combined with the 5% max drawdown on Zero, this creates a tight trading environment where you need to manage peaks aggressively.

If your $50,000 Zero account hits $52,000 in equity, your new floor is $49,400 (trailing up $2,000 from the original $47,500). Every unrealized gain matters. Every peak costs you breathing room.

My take: the Zero account's trailing drawdown combined with the 15% consistency score and no weekend holding makes it the most restrictive FundingPips option by far. Unless you specifically want instant funding and are comfortable managing trailing mechanics, the 1-Step or 2-Step is a better deal.

Drawdown Limits by Account Type

The 2-Step Standard gives you the most breathing room: 5% daily and 10% total, both static. For context, that's the same daily loss limit as FTMO and more total drawdown than most 1-step programs in the industry. It's one of the reasons the 2-Step is my default recommendation for traders who want the safest path to a funded account at FundingPips.

The 2-Step Pro's 3%/6% limits are significantly tighter. The $7 cheaper evaluation fee isn't worth the reduced margin of error unless you already have a proven, low-drawdown strategy. I'd only recommend Pro for traders who consistently keep daily drawdowns below 1.5%.

Profit Targets and Evaluation Structure

FundingPips evaluations are straightforward—hit the profit target without breaching drawdown limits, complete the minimum trading days, and you're through. No time limit on any account type, which is genuinely trader-friendly.

Profit Targets by Account Type

The Profit-to-Drawdown Ratio Trap

Here's something worth noting: the 1-Step requires a 10% profit target with only 6% max drawdown. That's a 1.67:1 ratio—meaning you need to earn 1.67 times your allowed loss. Compare that to the 2-Step Phase 2, where you need 5% profit against 10% drawdown (0.5:1 ratio). Phase 2 is dramatically easier from a risk/reward standpoint.

The 2-Step Pro has 6% profit targets in both phases with 6% max drawdown—a 1:1 ratio. Not terrible, but the 3% daily loss limit makes it feel much tighter than the numbers suggest. One bad morning and you've used half your daily allowance.

My take: the 2-Step Standard gives you the best profit-to-drawdown ratio across phases and the most room for error. It's the Goldilocks option. Not the cheapest (that's Pro), not the fastest (that's 1-Step), but the most forgiving.

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 evaluation, you can trade news freely. No restrictions. CPI, NFP, FOMC—go wild.

Once funded (Master Account), the rules tighten:

For 1-Step, 2-Step, and 2-Step Pro accounts: profits from trades opened or closed within 5 minutes before or after a high-impact news event or major speech won't count toward your payout. The trades won't breach your account, but the profits get stripped.

There's one exception: trades opened at least 5 hours before a news event can be closed during the restricted window and profits still count.

For Zero accounts, the window is wider: 10 minutes on each side of high-impact news.

What this means practically: if you're a news trader, FundingPips funded accounts will frustrate you. If you're a regular day trader who occasionally gets caught in news volatility, just check the economic calendar before your session and avoid opening positions 10 minutes before red-folder events.

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 evaluation: No consistency rule on any account type. You can make 100% of your profits on one day and still pass (as long as you meet minimum trading days).

After funding:

The On-Demand payout option (available on 1-Step and 2-Step accounts) requires a 35% consistency score—meaning no single trading day can produce more than 35% of your total profits in the payout cycle.

The Zero (Instant) account requires a 15% consistency score permanently. This is tight. On a 10-day payout cycle, you'd need to spread profits across at least 3-4 meaningful trading days.

The 2-Step Pro with its default payout structure has a 45% consistency rule according to some sources—verify this on FundingPips' current terms before choosing Pro.

If you choose the Tuesday Payday (weekly 60% split) or bi-weekly (80%) or monthly (100%) payout options on standard accounts, the consistency rule may not apply—or apply differently. This changes, so check the latest terms.

My approach: I always trade with consistency in mind regardless of rules. Targeting similar daily returns ($200-$400 on a $50K account) keeps you safe from consistency violations organically. If you're consistently profitable, the consistency rule is a non-issue.

The 3% Single-Trade Rule on Master Accounts

On funded (Master) accounts, no single trade can produce more than 3% of your account balance in profit. This isn't about limiting your winning—it's about preventing all-or-nothing gambling behavior.

For a $50,000 account, that means no single trade can produce more than $1,500 in profit. If it does, the excess won't count, or worse, the account gets flagged.

This rule is easy to comply with if you're trading normally. A $1,500 profit on one position would require either massive lot sizes or holding through enormous moves. Standard day trading with 1-5 lots on forex majors won't come close.

But swing traders holding multi-day positions on volatile pairs? This is where it gets tricky. A 3-lot EUR/USD position that runs 500 pips produces $1,500. On a $50K account, that's exactly the 3% limit. Always calculate your maximum expected profit per trade before entry.

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, using EAs that execute at normal speed.

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/session gaps), high-frequency trading, server spamming, latency arbitrage, reverse arbitrage, tick scalping, server execution manipulation, hedging across accounts, long-short arbitrage, and opposite account trading.

They also prohibit third-party account management and copy trading with external accounts (copying between your own FundingPips accounts is allowed).

The hedging ban is notable. You cannot open a long EUR/USD on one FundingPips account and a short EUR/USD on another. Their monitoring systems detect this. If you run multiple accounts, all positions on the same instrument must be in the same direction.

IP Address Consistency (Funded Stage)

FundingPips requires your IP address region to remain consistent on Master accounts. 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 allowed during both evaluation and funded stages, but the system can flag irregularities. If you use a VPN, keep it consistent. Don't connect from a German IP on Monday and a Brazilian IP on Tuesday.

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

FundingPips will close your account if you go inactive for an extended period. The exact timeframe isn't always publicly stated and has varied, but the general expectation is that you trade at least once every 30 days.

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 holding is allowed on 1-Step, 2-Step, and 2-Step Pro accounts. You can hold positions through Friday close into Monday open without restriction. This is great for swing traders who want to capture multi-day moves.

Weekend holding is prohibited on Zero accounts. All positions must be closed before Friday market close. This is another reason Zero is the most restrictive option.

Overnight holding (during the trading week) is allowed on all account types during both evaluation and funded stages. There are no restrictions on holding positions through the daily rollover.

Note: even where weekend holding is allowed, consider the swap fees and gap risk. I've seen EUR/USD gap 30-50 pips on Monday open after a quiet weekend. On a leveraged position, that's real money.

Leverage and Position Sizing Limits

FundingPips offers leverage up to 1:100 on 2-Step Standard accounts—among the highest in the prop firm industry. However, leverage varies by account type and asset class.

1-Step and Zero accounts are capped at 1:50 leverage. The 2-Step Pro offers up to 1:50 on forex (some sources cite different limits—verify before committing).

There's also a maximum lot size per trade limit that varies by account size and instrument. On a $50K account, you're generally limited to 20 lots per click. This prevents single massive positions that could blow through drawdown limits instantly.

My recommendation: just because you have 1:100 leverage doesn't mean you should use it. On a $50K account, 1 standard lot of EUR/USD with a 30-pip stop = $300 risk, which is 0.6% of the account. That's responsible. 10 lots with a 30-pip stop = $3,000, which is 6% of the account and would instantly breach your daily loss limit. Leverage is a tool, not a dare.

Payout Rules and Profit Split Structure

FundingPips' payout system is one of the most flexible in the industry—but also one of the most complex, because your profit split depends on which payout frequency you choose.

Payout Options by Account Type

For 1-Step and 2-Step (Standard) funded accounts:

• Tuesday Payday (weekly): 60% profit split
• Bi-weekly: 80% profit split
• On-Demand: 90% split (requires 35% consistency score)
• Monthly: 100% profit split

For 2-Step Pro funded accounts:

• Daily and weekly payouts at 80% profit split

For Zero (Instant) accounts:

• Bi-weekly payouts at 95% profit split

Payouts are processed every Tuesday, typically within 1-3 business days. A $10 withdrawal fee applies per transaction. Minimum withdrawal is 1% of initial account balance (including FundingPips' share).

The Fee Refund at Payout #4

If you pass a 1-Step or 2-Step challenge and reach your 4th successful payout, FundingPips refunds the original evaluation fee. This does not apply to 2-Step Pro or Zero accounts.

This makes the effective cost of a 2-Step challenge essentially zero if you can stay funded for four payout cycles. On a $50K account ($176 fee), that's a meaningful return on investment.

Scaling Program: From $100K to $2 Million

FundingPips offers a structured four-level scaling plan for consistent performers:

Launchpad (Level 1): 20% capital boost, 1% increase in max drawdown.

Ascender (Level 2): 30% capital boost, 2% total drawdown increase, 1% higher daily drawdown.

Trailblazer (Level 3): 40% capital boost, 13% max drawdown.

Hot Seat (Level 4): Double initial balance, on-demand rewards, 100% profit split, access to up to $2 million in capital, and monthly performance bonuses.

Hot Seat is the endgame—but getting there requires months of consistent performance. It's achievable, just not overnight. Think of it as a 6-12 month journey if you're consistently profitable.

Frequently Asked Questions About FundingPips Rules

Does FundingPips use trailing or static drawdown?

Static drawdown on 1-Step, 2-Step, and 2-Step Pro accounts—your loss floor stays fixed regardless of profits. Only the Zero (Instant) account uses equity-based trailing drawdown, making it significantly more restrictive.

Can I trade news on FundingPips?

During evaluation—yes, unrestricted. On funded accounts, profits from trades opened or closed within 5 minutes of high-impact news (10 minutes for Zero) won't count toward payouts. The trades won't breach you, but profits get stripped.

What is the FundingPips consistency rule?

It depends on your account type and payout choice. The On-Demand payout option requires 35% consistency (no single day exceeds 35% of cycle profits). Zero accounts require 15% consistency permanently. Standard Tuesday/bi-weekly/monthly payouts may have different or no consistency requirements.

Can I hold trades over the weekend?

Yes on 1-Step, 2-Step, and 2-Step Pro accounts. No on Zero accounts—all positions must close before Friday market close.

What happens if I breach a rule on a funded account?

It depends on the severity. A hard breach (exceeding max drawdown) closes your account permanently. A soft breach (like a news trading violation) may result in profit adjustment without account closure. Always check whether a violation is a hard or soft breach.

Are EAs and bots allowed on FundingPips?

Yes. FundingPips allows Expert Advisors, bots, and automated strategies on all account types. The main restriction is that your EA cannot engage in prohibited strategies like HFT, tick scalping, or latency arbitrage.

Can I copy trades between my own FundingPips accounts?

Yes. Copying between your own accounts is allowed. What's prohibited is copy trading with external accounts or third-party account management.

What is the minimum payout amount?

1% of your initial account balance, including FundingPips' share. On a $50K account, that's $500 minimum withdrawal.

How long do FundingPips payouts take?

Payouts are processed every Tuesday, with funds typically arriving within 1-3 business days. Methods include bank transfer, Visa/Mastercard, crypto, and Riseworks.

Can I use a VPN while trading?

Yes, during both evaluation and funded stages. However, the system may flag IP irregularities. Keep your VPN location consistent, and if your region changes, be prepared to provide documentation.

What is the 3% single-trade rule?

On Master (funded) accounts, no single trade can produce more than 3% of your account balance in profit. This prevents all-or-nothing trading and is easy to comply with for normal trading activity.

Is hedging allowed on FundingPips?

No. Hedging is prohibited across all accounts—you cannot open opposing positions on the same instrument, whether on one account or across multiple FundingPips accounts.

What are the prohibited strategies?

Gap trading, HFT, server spamming, latency/reverse arbitrage, tick scalping, execution manipulation, hedging, long-short arbitrage, and opposite account trading. Normal scalping, day trading, swing trading, and EA usage are all permitted.

Does FundingPips refund evaluation fees?

Yes—on 1-Step and 2-Step accounts, the evaluation fee is refunded after your 4th successful payout. This does not apply to 2-Step Pro or Zero accounts.

What's the maximum capital I can trade at FundingPips?

Initial accounts go up to $100K. Through scaling and the Hot Seat program, you can access up to $2 million in capital with a 100% profit split.