FundingPips Review 2026: Five Models, One Rule Book

FundingPips is my forex go-to and has been for years. Evaluations here are a recurring thing for me, funded on and off, with multiple payouts and no disputes along the way. Two $50K one-step evaluations are open right now, which is how I check the 2026 rule set instead of trusting an old memory of it.

What has worked for me: the 2 Step Standard structure. Its 5% daily loss limit is the widest in the lineup, and it fits short-term forex plus XAUUSD mean reversion in the New York session without forcing me to shrink stops to fit a rule. The bi-weekly cycle at 80% suits my cashflow better than chasing the On Demand option and its consistency gate.

What has challenged me: the consistency score on the On Demand cycle. One event-driven day on gold concentrated a large share of the profit into a single session, and the On Demand request was held until the ratio came back into range. Nothing disappeared, it simply had to wait for smaller days to pull the average down. That is when I stopped treating On Demand as the faster cycle and started treating it as a different rule set.

What I would tell a new trader: read the reward cycle screen twice. Setting the cycle is the last action before trading opens, it cannot be changed afterwards, and it decides your split for the life of the account. On 2 Step Standard that is the difference between 60% weekly and 100% monthly.

KYC took two passes. The first document upload was rejected for photo clarity, resubmitted the same day and approved. Not blocking, but expect to verify twice if your first ID photo is not crisp.

On processing times: FundingPips documents 1 to 3 working days for a request, plus 1 to 2 working days for the funds to reach a wallet or bank, with Pay to Card as the only near-instant route and only in the 14 listed countries. Trustpilot reviewers routinely describe faster turnarounds than that, which is worth knowing, but the documented rule is the number to plan around.

FundingPips runs four evaluation models and one instant-funded model. Sizes run from $2,500 in select countries up to $200K, and the help center is explicit that not all sizes exist on every model. Only the 2 Step Standard prices are published on the FundingPips site, checked 30 July 2026, and the cheapest of them is $32, for a 2 Step Standard $5K account. FundingPips separately advertises a starting price of $29 on its own site without naming a model, and the $2,500 size carries no published price at all. Every other model shows its fee in the purchase flow.

2 Step Standard

Phase 1 at 8 percent, Phase 2 at 5 percent, a 10 percent static max loss, a 5 percent daily loss limit and 3 minimum trading days per phase. Four reward cycles, and you choose one before your first trade: Weekly at 60 percent, Bi-Weekly at 80 percent, Monthly at 100 percent, or On Demand at 90 percent, which also needs a 35 percent consistency score and at least 2 percent profit. The 10 percent profit target was retired effective 24 July 2026 at 06:00 Server Time (UTC+3), and existing 10 percent accounts reset as 2 Step Flex with an 85 percent split. Published prices: $32 at $5K, $59 at $10K, $159 at $25K, $269 at $50K and $499 at $100K, per the FundingPips pricing page, checked 30 July 2026.

Best for: traders who want a choice of reward cycle and the most drawdown room per phase.

2 Step Flex

Phase 1 at 10 percent, Phase 2 at 6 percent, a 12 percent static max loss and a 4 percent daily loss limit. You pick an 85 or a 95 percent split at purchase, both cost the same, and the choice is locked for the life of the account. The 85 percent option has no minimum trading days. The 95 percent option needs 3 profitable days per phase and 3 profitable days per reward cycle, where a profitable day closes at least 0.5 percent of the starting size up. There is no consistency score on either split. Rewards run on one bi-weekly cycle, every 14 calendar days after your first executed trade.

Best for: traders who would rather buy the higher split outright than manage a cycle menu.

2 Step Pro

6 percent in both phases, a 6 percent static max loss, a 3 percent daily loss limit and 1 minimum trading day per phase. The tightest floor in the lineup and the shortest route through an evaluation. Rewards are weekly at 80 percent, every 7 calendar days after your first executed trade. The rule page lists Risk Per Trade Idea as not applicable on this model, at every size. It is one of the two models sold at $2,500 in select countries, and one of the two sold at $200K.

Best for: experienced traders with small stops who want a short evaluation and a weekly cycle.

1 Step Flex

One phase at 12 percent, a 12 percent static max loss, a 3 percent daily loss limit, no minimum trading days and no time limit. Rewards are bi-weekly at 85 percent. Two rules bite specifically here. The Striking System applies to every 1 Step Flex Master Account at a 1 percent floating-loss threshold per trade idea, and the Profit Concentration Policy applies on all account sizes according to the model page.

Best for: traders with a proven edge who want a single phase and a flat 85 percent.

FundingPips Zero

No evaluation, a Master Account from day one, a 5 percent trailing max loss on your highest recorded equity, a 3 percent daily loss limit and a 1 percent max open risk limit. The floor trails your equity peak and locks permanently at your starting size once you are 5 percent up. The split is 95 percent bi-weekly, but four conditions must be true at the same time before a request goes through: a consistency score of 15 percent or below, 7 profitable days of at least 0.25 percent each inside the rolling 30-day window, profit up to 3 percent of the account size held back as a safety cushion, and a biggest loss that does not exceed your biggest win. On Zero, news trading and weekend holds are hard breaches, not soft ones.

Best for: traders with a proven edge and flat daily P&L who want to skip the evaluation. See the FundingPips Zero guide for the full rule set.

The 1K Instant Giveaway account

Not a model you can buy. It is a giveaway-only $1K Master Account, limited to the first 20,000 accounts, with no evaluation, no minimum trading days and no time limit. The split is 50% on demand once profit reaches $50, and it arrives half as cash and half as Tradin credit. Max loss and daily loss are both 5%. It runs on MT5 only, is not available in the United States or Canada, cannot trade crypto, and is the one account type where weekend holds are still allowed.

Which to pick

See the FundingPips account types pillar for the account-by-account comparison. Whatever you pick, the reward cycle is the last thing you set before trading opens and it locks permanently, so decide it before you buy.

Every number below comes from the FundingPips help center, checked 30 July 2026. FundingPips calls payouts Rewards and funded accounts Master Accounts. Where the help center contradicts itself, both readings are shown rather than one of them picked.

Profit targets, evaluation phases:

• 1 Step Flex: 12% in a single phase
• 2 Step Standard: 8% in Phase 1, 5% in Phase 2. The 10% target was withdrawn effective 24 July 2026 at 06:00 Server Time (UTC+3), and existing 10% accounts reset as 2 Step Flex with an 85% split
• 2 Step Flex: 10% in Phase 1, 6% in Phase 2
• 2 Step Pro: 6% in both phases
• FundingPips Zero: none, it is a Master Account from day one
• There is no time limit on any evaluation phase

Max loss limits:

• 1 Step Flex: 12% of the starting size, static
• 2 Step Standard: 10% of the starting size, static
• 2 Step Flex: 12% of the starting size, static
• 2 Step Pro: 6% of the starting size, static
• FundingPips Zero: 5% trailing on the highest recorded equity, and the floor locks permanently at the starting size once the account is 5% up
• Touching the limit counts as a breach even briefly, and even if the trade later closes in profit

Daily loss limits:

• 1 Step Flex 3%, 2 Step Standard 5%, 2 Step Flex 4%, 2 Step Pro 3%, Zero 3%
• The baseline is the higher of the opening balance or opening equity of the day, and the limit resets at 00:00 Platform Time (UTC+3)
• Zero adds a 1% Max Open Risk Limit on combined floating losses, measured in real time

Minimum trading days:

• 1 Step Flex: none
• 2 Step Standard: 3 per phase
• 2 Step Flex: none on the 85% split, 3 profitable days per phase on the 95% split
• 2 Step Pro: 1 per phase
• FundingPips Zero: no evaluation, but at least 7 profitable days of 0.25% or more per rolling 30-day period

Reward splits and reward cycles:

• The cycle is set once from the dashboard, and setting it is what enables trading. The selection locks permanently
• 1 Step Flex: 85%, bi-weekly
• 2 Step Standard: Weekly 60%, Bi-Weekly 80%, Monthly 100%, On Demand 90% with a 35% consistency score and at least 2% profit
• 2 Step Flex: 85% or 95%, bi-weekly, chosen at purchase and locked for the life of the account. The 95% option needs 3 profitable days per cycle
• 2 Step Pro: 80%, weekly
• FundingPips Zero: 95%, bi-weekly, subject to four eligibility conditions at once
• The minimum request is 1% of the Master Account size including the firm's split. On Demand needs 2%, and Rise or bank transfer need $500
• Requests are processed within 1 to 3 working days excluding weekends, plus 1 to 2 working days for funds to reach your wallet or bank. A Friday request begins Monday and completes by Wednesday
• Pay to Card is the one documented exception: instantly or within 30 minutes of approval, up to 48 hours if the bank runs extra checks, in the 14 listed countries
• Once submitted, a reward request cannot be cancelled or modified
• A reward can also be taken as a new account instead of cash. Buy a Challenge turns it into a challenge with no payment, and only options the reward fully covers are shown, with any remainder paid out normally
• Moving a reward into a Tradin account, the group's own broker, adds a 30% credit bonus with no expiry. That bonus is credit, not withdrawable cash, and it converts to balance only through cashback per lot traded, from $1.00 per lot up to $3.00 per lot above 300 lots

The Striking System, the rule most reviews miss:

• It applies to 2 Step Standard Master Accounts above $25,000 and to all 1 Step Flex Master Accounts
• A warning is recorded when the floating loss on one trade idea crosses the threshold: 1% on 1 Step Flex, 1.2% on 2 Step Standard
• First warning: warning issued. Second: the reward split drops by half, so 85% becomes 42.5% on 1 Step Flex. Third: the split drops to 20%. Fourth: account breach and immediate closure
• Warnings are cumulative and never reset, not after a reward, not in a new cycle, not after a scale-up
• Profit from a warned trade idea is deducted from the account, losing trades are not refunded, and trades are never force-closed

Risk Per Trade Idea:

• Master Accounts only, never during an evaluation phase, and a breach closes the account immediately
• FundingPips Zero: 3% below $50K, 2% from $50K
• 2 Step Flex: none below $25K, 3% at $25K, 2% above $25K
• 2 Step Pro: not applicable, at every account size
• 1 Step Flex: not applicable
• 2 Step Standard: not applicable, at every account size. The 3% and 2% ladder that older write-ups quote was tied to the 10% profit target, and that target was withdrawn effective 24 July 2026 at 06:00 Server Time (UTC+3)
• A trade idea is one trade, or several positions on the same instrument in the same direction, including any position opened within 10 minutes of closing a losing trade. A profit inside the group does not reduce the assessed loss

Profit Concentration Policy:

• If one trade idea contributes more than 60% of a phase profit target, the Master Account that follows needs 4 profitable days before every reward request, for the life of the account
• A profitable day closes at 0.5% or more of the account size, and the days do not have to be consecutive
• It applies to evaluation accounts from $25,000 created on or after 27 June 2026. On 1 Step Flex the model page applies it to all account sizes. Zero is not affected
• The help center example: on a $25K 2 Step Standard Phase 1 the 8% target is $2,000, so a single trade idea contributing more than $1,200 triggers it

Consistency scores:

• FundingPips Zero: 15% maximum, calculated as biggest winning day divided by total account profit. It is a soft breach, so rewards are blocked until the score comes back into range
• 2 Step Standard: 35%, and only on the On Demand cycle. It resets after each reward
• 2 Step Flex: none on either split, stated explicitly
• 1 Step Flex and 2 Step Pro: not documented

News trading:

• Evaluation phases on all four evaluation models: no restriction on holding through news, but purposely trading news is prohibited and leads to account closure
• Master Accounts on all four: 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 that trade is deducted, not just the part earned in the window. Closing any partial order affects the entire order and triggers a news trading flag, and you carry the consequence if the deduction pushes the account through its daily loss or max loss limit
• The exception is the swing case: a trade opened 5 hours or more before the event keeps its profit
• FundingPips Zero: opening, closing or holding a position inside the window is a hard breach, and the window runs 10 minutes on each side

Weekend holding:

• Evaluation phases: permitted on all four evaluation models
• Master Accounts: weekend holds are temporarily not allowed across all four standard models, effective 29 January 2026. The word the help center uses is temporary, and the news and weekend holding article dates all four models, where two of the model pages give no date
• Open trades are closed by the system at Friday market close, and that auto-close is not a hard breach
• FundingPips Zero: any position left open into the weekend is an immediate account termination, regardless of instrument

Trading conditions:

• Leverage on the four evaluation models: forex 1:100, metals 1:30, energies 1:10, indices 1:20, crypto 1:2. Zero is tighter at 1:50 forex and 1:20 metals. Swap-free MT5 accounts run 1:30 forex, 1:10 metals, 1:5 indices
• A temporary dynamic-leverage tier system applies to metals, indices and energies on Master Accounts, effective 16 March 2026 at 23:59 Server Time (UTC+3): 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, with margin charged cumulatively per tier
• Crypto leverage drops from 1:2 to 1:1 on the Master Account as a temporary change, while evaluation phases stay at 1:2
• Commission: $5 per lot on forex and metals, $10 per lot with the swap-free add-on, and $7 per lot on Zero. No commission on energies and indices. Crypto is 0.04%, calculated as lot size times crypto price times 0.04%
• Lot limits: 20 lots per click on the platform, and 1 lot per click on crypto
• The swap-free add-on is MT5 only and covers forex and metals only

Account admin, the rules that close accounts quietly:

• Inactivity: 30 consecutive calendar days without a fully closed trade is a breach. Open trades do not count. Since there is no time limit on the profit target, this is the one rule that can close an account without a loss
• Max allocation: all active accounts, evaluation accounts included, share a single $400K max allocation across all models. Monthly competition accounts are excluded from it
• Merging: only between Master Accounts of the same model, never on Zero, and it cannot be reversed. Platform and reward cycle come from the first purchased account
• Registration-fee refund: at the 4th reward, on 1 Step and 2 Step Standard only, not on 2 Step Pro, 2 Step Flex or Zero
• Resets, available for 7 calendar days after the breach: 15% off a Phase 1 reset, 10% off Phase 2, 7% off a Master Account reset excluding accounts at $100K and above, and 20% off a Zero reset
• Restricted countries: the help center names Iran, Vietnam and the United Arab Emirates
• Free Trial: MT5 only on server FundingPips-Trial, offered on 2 Step Standard and 2 Step Pro, 14 calendar days per phase, identical targets and limits to the paid models, with no reward and no route to a Master Account. Because it runs on MT5 only, it is not open to US or Canada residents

For the complete rule framework see the FundingPips rules overview.

The Prime Account, the only route past $200K

The largest account you can buy is $200K, on 2 Step Pro or Zero. The $2M number belongs to the Prime Account, which is unlocked out of your rewards rather than bought. The help center describes it as the point where a Master Account becomes a career, and it replaced the older scaling tiers. It runs on MT5 only, on server FundingPips-Prime, so it cannot be opened from the United States or Canada under the current plan.

The worked example in the help center: on a $100K Prime Account the floor starts at $92K and trails the highest end-of-day balance. A day closing 3% above, at $103K, locks the floor at $95K, and equity touching $95K closes the account. The floor moves only on end-of-day closes, so an intraday high never lifts it. On the entry point the sources differ: the comparison page describes moving part of any reward from the first one onward, while the help center's Prime Account article names the 3rd reward. That article is the version quoted above, and the exact threshold is worth confirming in your dashboard before you plan around it.

MT5 (MetaTrader 5), the most popular choice. Supports the Swap-Free add-on for overnight forex and metals. EAs run here, but the permission is two-tier: a third-party EA only as a trade or risk manager, your own EA on full automation with proof of ownership, and a compiled binary on its own is not proof. Large indicator ecosystem.

MatchTrader, newer platform option, web-based and desktop. Cleaner UI than MT5 but smaller indicator library.

cTrader, best for manual order execution and advanced charting. Level 2 data and depth-of-market visibility built in.

The platform is chosen at checkout, and the help center documents no switch afterwards. All three platforms provide equivalent execution quality and data feeds, the choice is ergonomics and existing workflow.

For step-by-step setup instructions on MetaTrader 5 see the MT5 setup guide.

Three instrument groups carry most FundingPips trading, and each one meets a different limit first:

Forex majors (EUR/USD, GBP/USD, USD/JPY). Deepest liquidity and the cheapest cost line at $5 per lot, or $7 on Zero. Standard leverage is 1:100, and 1:50 on Zero. Normal intraday range sits comfortably inside a 3% to 5% daily loss limit at sane position sizes.

XAUUSD (gold). The highest reward per trade in the lineup and the fastest way to trip a rule. A single outsized gold day is exactly what the 35% consistency score on the 2 Step Standard On Demand cycle catches, and what the Profit Concentration Policy catches in an evaluation phase from $25,000.

Indices (NAS100, US30, DE40). Bigger moves, bigger stops, and the temporary dynamic-leverage tiers apply here on Master Accounts, so margin per lot rises as size grows: 1:50 up to 0.05 lots and down to 1:5 above 0.50 lots.

Common pitfalls:

1. Sizing a 1 Step Flex account for the 12% max loss and forgetting the 3% daily loss limit, which is what actually ends the day
2. Letting one trade idea run deep into floating loss on a 1 Step Flex or a 2 Step Standard Master Account above $25,000, where 1% or 1.2% floating triggers a Striking System warning that never resets
3. Concentrating more than 60% of a phase target in one trade idea, which permanently attaches a 4-profitable-day requirement to every later reward request
4. Holding into the weekend on a Master Account, where the auto-close is currently in force across all four evaluation models, and on Zero is an immediate termination
5. Trading through red-folder news on a Master Account, where the full profit of the affected trade is deducted, not just the part earned in the window
6. Picking the reward cycle in a hurry, since it locks permanently and decides whether the split is 60% or 100%

Trustpilot: 4.5/5 across 64,224 reviews. Read directly from the Trustpilot profile on 30 July 2026, where the profile is claimed since October 2022. At that volume the score is statistically stable. Distribution: 82% 5-star, 7% 4-star, 2% 3-star, under 1% 2-star, 8% 1-star.

Top positive themes, in order of frequency:

1. Fast rewards, the single most frequently praised point across the reviews
2. User-friendly platform interface
3. Responsive, professional customer support

Top 1-star complaint themes:

1. Account closures without a clear explanation
2. Rule application confusion, especially daily loss calculations and profitable-day definitions
3. Unclear policy communication

FundingPips replies to the overwhelming majority of negative reviews, usually within a day, and the replies cite the specific rule and offer an escalation contact. The pattern reads as responsive rather than evasive.

What the firm itself documents: reward requests are processed within 1 to 3 working days excluding weekends, with a further 1 to 2 working days before funds appear in a wallet or bank. The one exception is Pay to Card, which arrives instantly or within 30 minutes of approval in 14 listed countries, and up to 48 hours if a bank runs extra checks. Reviews that describe faster payouts are worth reading, but the firm commitment is 1 to 3 working days.

Operational longevity: FundingPips names 2022 as its founding year, which the help center does not document. The Trustpilot profile has been claimed since October 2022 and now carries 64,000+ reviews, a base that takes years to build. Not as long-running as FTMO, well past the start-up window.

Reward infrastructure: card, crypto in USDT or USDC on ERC20 or TRC20, Rise, and bank transfer, with a $500 minimum on Rise and bank transfer. Bank transfer is not available in every country or region. Crypto rewards carry service fees, exchange-rate conversion and network fees, all deducted during processing, so the amount received is smaller than the amount requested.

vs FTMO, FTMO has the longer operational history, since 2015, and a single conservative evaluation structure. FundingPips runs five account models against it and publishes prices for one of them. FTMO for track record, FundingPips for choice of structure and reward cycle.

vs FundedNext, a direct competitor with a comparable model lineup. FundingPips leads on Trustpilot volume with 64,000+ reviews, and its Prime Account scales to $2M. FundedNext counters with its own model variety and frequent promotions.

vs Alpha Capital, Alpha Capital is instant-funding first with strict rules. FundingPips Zero is the closest match in the lineup, and it comes with the tightest rule envelope FundingPips runs: a 5% trailing floor, a 1% max open risk limit and hard breaches on news and weekend holds.

vs E8 Markets, E8 runs tighter drawdown rules and smaller ceilings. FundingPips buys up to $200K and scales past it only through the Prime Account, which tops out at $2M.

vs Top One Futures, a different instrument class entirely. FundingPips is forex and CFD, Top One Futures is futures. Traders who want both run one account at each.

vs Lucid Trading, Lucid is futures-first, FundingPips is forex and CFD first. Different audiences, and the drawdown mechanics have nothing in common. See the FundingPips vs Lucid Trading comparison.

Internal: Zero vs 2 Step Standard, the two flagship routes. Zero starts funded at a 95% split with four eligibility conditions on every request. 2 Step Standard makes you pass two phases first and then hands you the widest choice of reward cycle, from 60% weekly to 100% monthly.

Is FundingPips legit?

Yes. FundingPips is a legitimate forex and CFD prop firm with a 4.5 out of 5 Trustpilot rating across 64,000+ reviews and a profile claimed since October 2022. I have run evaluations here on and off over the years, been funded repeatedly and taken multiple payouts, with no disputes and no held rewards beyond one consistency check on the On Demand cycle that resolved normally.

How much does FundingPips cost?

Only the 2 Step Standard prices are published. Per the FundingPips pricing page, checked 30 July 2026, they are $32 at $5K, $59 at $10K, $159 at $25K, $269 at $50K and $499 at $100K. The $32 is the 2 Step Standard $5K fee, and that is the entry price quoted at the top of this review. FundingPips separately advertises a starting price of $29 on its own site without naming a model, and the $2,500 size sold in select countries carries no published price, so the two figures are not the same claim. The help center publishes no prices at all, so for 1 Step Flex, 2 Step Flex, 2 Step Pro and Zero you have to check the current fee in the purchase flow. Code VIBES applies 20% off at checkout, and codes must be entered before payment is completed.

How long does FundingPips take to pay out?

Reward requests are processed within 1 to 3 working days excluding weekends, and you should allow a further 1 to 2 working days for funds to reach your wallet or bank. The firm example: a Friday request begins Monday and completes by Wednesday. Pay to Card is the one near-instant route, arriving instantly or within 30 minutes of approval in 14 listed countries, and up to 48 hours if your bank runs extra security checks. Once submitted, a reward request cannot be cancelled or modified.

What is the FundingPips max drawdown?

It depends on the model. 1 Step Flex and 2 Step Flex use a static 12% of the starting size, 2 Step Standard a static 10%, 2 Step Pro a static 6%, and FundingPips Zero a 5% trailing limit on the highest recorded equity that locks at the starting size once the account is 5% up. Daily loss limits are 3% on 1 Step Flex, 2 Step Pro and Zero, 5% on 2 Step Standard and 4% on 2 Step Flex, measured from the higher of opening balance or opening equity and reset at 00:00 Platform Time (UTC+3). All are hard breaches, and touching the limit counts even if the trade recovers.

Which FundingPips model should I choose?

2 Step Standard if you want the widest daily loss limit and a choice of reward cycle. 2 Step Pro if you want the shortest evaluation, 6% in both phases with one minimum trading day, and can live with a 6% floor. 2 Step Flex if you would rather take the 95% split at the same price and accept 3 profitable days per cycle. 1 Step Flex if you want a single 12% phase at a flat 85%. FundingPips Zero if you want to skip the evaluation entirely and can meet four reward conditions at once.

Can I trade news on FundingPips?

In the evaluation phases of all four evaluation models there is no restriction on holding through news, although purposely trading news is prohibited and leads to account closure. On a 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 that trade is deducted, not only the part earned inside the window. A trade opened 5 hours or more before the event keeps its profit. On FundingPips Zero, news trading is a hard breach and the window runs 10 minutes on each side.

What platforms does FundingPips support?

MT5, cTrader and Match-Trader. The swap-free add-on is MT5 only and covers forex and metals only. MT5 is not available in 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. There is no MT4, no TradeLocker and no DXtrade.

What is the FundingPips profit split?

It comes from the model and the reward cycle, and it is one locked choice rather than a ladder you climb. 1 Step Flex pays 85% bi-weekly. 2 Step Standard pays 60% weekly, 80% bi-weekly, 100% monthly, or 90% on demand with a 35% consistency score and at least 2% profit. 2 Step Flex pays 85% or 95%, chosen at purchase for the same price. 2 Step Pro pays 80% weekly. FundingPips Zero pays 95% bi-weekly. The Prime Account pays 80% daily. You set the cycle from the dashboard before your first trade, and that setting locks permanently.

What is the FundingPips Prime Account?

The Prime Account replaced the older scaling tiers and is the only route past the $200K purchase ceiling. It comes by FundingPips invite or unlocks after the 3rd reward, when the profit after that reward reaches at least 2% of the Master Account size and up to 10% of it can be moved across. The unlock amount times 12.5 sets the Prime Account Size, the help center example being $8K x 12.5 for a $100K Prime Account. The Master Account closes when the Prime Account opens. Prime pays an 80% split daily with a 1% minimum request, runs an 8% max loss trailing the highest end-of-day balance, and a 2% soft daily limit that pauses trading for the day instead of closing the account. Scaling adds 10% per level toward a $2M maximum.

What is the FundingPips Striking System?

A four-step 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 a single trade idea crosses 1% on 1 Step Flex or 1.2% on 2 Step Standard. The first warning is a warning, the second halves the reward split, so 85% becomes 42.5% on 1 Step Flex, the third drops it to 20%, and the fourth is an account breach and immediate closure. Warnings are cumulative for the life of the account and do not reset after a reward, a new cycle or a scale-up. Profit from a warned trade idea is deducted, and trades are never force-closed.

Does FundingPips have a consistency rule?

Two different mechanics, depending on the model. FundingPips Zero enforces a 15% consistency score, biggest winning day divided by total account profit, as a soft breach that blocks rewards until it comes back into range. 2 Step Standard enforces a 35% score, but only on the On Demand cycle, and it resets after each reward. 2 Step Flex states explicitly that there is no consistency score on either split, and neither 1 Step Flex nor 2 Step Pro documents one. Separately, the Profit Concentration Policy attaches 4 profitable days to every future reward request when a single trade idea contributed more than 60% of an evaluation phase target.

Is FundingPips better than FTMO?

For some profiles. FundingPips runs five account models, reaches a 100% split on the 2 Step Standard monthly cycle, and scales to $2M through the Prime Account. FTMO has been operating since 2015 with the longer public track record and a tighter, more uniform rule set. Choose FundingPips for structural choice, FTMO for the longest history.

How long has FundingPips been around?

The company names 2022 as its founding year. The help center documents no founding year, headquarters or regulatory status, so treat those as company-supplied background rather than verified facts. What is checkable: the Trustpilot profile has been claimed since October 2022 and now carries 64,000+ reviews, a base that takes years of volume to build.

Can I have multiple FundingPips accounts?

Yes, inside one limit. All active accounts, evaluation accounts included, share a single $400K max allocation across all models, with monthly competition accounts excluded from the count. Master Accounts can be merged, but only with accounts of the same model, never on FundingPips Zero, and a merge cannot be reversed. After a merge the platform and reward cycle come from the first purchased account.