FundingPips 2 Step Challenge: Full Rules + Payout Guide (2026)

FundingPips 2 Step Standard is the firm’s two-phase evaluation and the model with the widest choice of reward cycles. Checked against the help center on 30 July 2026: Phase 1 targets 8%, Phase 2 targets 5%, both sit behind a single 10% Max Loss Limit that never moves and a 5% Daily Loss Limit, and each phase needs a minimum of 3 trading days. Pass both and the Master Account unlocks, where the reward split depends on the cycle you set: 60% Weekly, 80% Bi-Weekly, 100% Monthly, or 90% On Demand.

I have run FundingPips evaluations on and off over the years, been funded more than once, and taken multiple rewards. FundingPips calls payouts Rewards and funded accounts Master Accounts, and this article uses both sets of words where each one reads better. What follows is every rule of the 2 Step Standard, the Phase 1 and Phase 2 progression, the reward mechanics, and where the model wins against the rest of the lineup.

The headline trade-off: 2 Step Standard gives a 5% Daily Loss Limit, the widest daily budget in the lineup, against a 10% static floor. 1 Step Flex has a wider floor at 12% but a 3% daily budget and only one phase. 2 Step Flex sits between them at 12% and 4%. The cost of Standard is time, 3 minimum trading days in each phase, and the 100% Monthly option carries a 30-calendar-day cycle. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35% consistency score or lower, seven profitable days of at least 0.5% of the starting Master Account size, and a 1% Striking System trigger. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35% consistency score or lower, seven profitable days of at least 0.5% of the starting Master Account size, and a 1% Striking System trigger.

For the broader account lineup see the FundingPips account types pillar. For the complete firm breakdown, see the main FundingPips review.

How the FundingPips 2 Step Standard works

The 2 Step Standard runs two sequential evaluation phases followed by the Master Account. Buy the model at your chosen size and begin Phase 1; KYC comes later, after both phases are passed and before the Master Account is issued. Complete Phase 1 by reaching the 8% profit target with all open trades closed, while staying inside the 10% Max Loss Limit and the 5% Daily Loss Limit, over a minimum of 3 trading days. The account then advances to Phase 2.

Phase 2 targets 5% over a minimum of 3 trading days. The one thing that does not change between phases is the floor: the 10% Max Loss Limit is static and applies across both phases, so a drawdown taken in Phase 1 is not forgiven by a new phase counter. There is no time limit on either phase. The only clock is inactivity, where 30 consecutive calendar days without a fully closed trade breaches the account.

Available on MT5, cTrader and Match-Trader, chosen at checkout. The Swap-Free add-on is MT5 only and covers Forex and Metals; Energies, Indices and Crypto still incur standard swaps. Sizes are $5K, $10K, $25K, $50K and $100K, plus $2.5K in select countries. The help center publishes no prices; per the FundingPips pricing page, checked 30 July 2026, the ladder ran $32, $59, $159, $269 and $499 from $5K to $100K.

FundingPips 2 Step Standard Phase 1 rules

Checked 30 July 2026, the Phase 1 rule stack:

Profit target: 8% of the initial account size. There is no longer a second option. FundingPips withdrew the 10% variant outright, in its own words "10% Profit Target: No Longer Offered, effective 24 July 2026 at 06:00 Server Time (UTC+3)".

Max Loss Limit: 10% of the initial account size. FundingPips calls it a static floor that never moves, and it covers floating losses as well as closed ones. On a $50K account the floor sits at $45,000 and stays there through both phases and the Master Account. Touching it counts, even briefly, even if the trade later closes in profit.

Daily Loss Limit: 5% of the higher value between the day’s opening balance and its opening equity, floating P&L included. On a $50K account starting the day flat that is $2,500 of room. Touching the level is enough, and an open position can do it without you closing anything. The counter resets at 00:00 Platform Time (UTC+3), with a countdown in the dashboard.

Minimum trading days: 3 to pass the phase. Reaching the target sooner does not shorten it.

Consistency rule: none during Phase 1. The 35% Consistency Score belongs to exactly one Master reward cycle, On Demand, and to nothing else on this model.

Profit Concentration Policy: on evaluation accounts at $25,000 and above created on or after 27 June 2026, a single trade idea contributing more than 60% of the phase profit target attaches a permanent condition to the resulting Master Account, namely 4 profitable days before every reward. FundingPips works the example itself: an 8% target on a $25K account is $2,000, so a trade idea contributing more than $1,200 triggers it. A profitable day closes at least 0.5% of the account size up. The evaluation itself does not fail.

The 5% Daily Loss Limit is the structural argument for this model. On a $50K account it is $2,500 of intraday room against $1,500 on 1 Step Flex and $2,000 on 2 Step Flex. That matters most on news-adjacent sessions where an intraday spike eats a 3% budget quickly. The counterweight is the 10% floor, which sits in the middle of the three static floors in the lineup: 2 Step Pro is tighter at 6%, 2 Step Flex wider at 12%.

FundingPips 2 Step Standard Phase 2 rules

Checked 30 July 2026, the Phase 2 rule stack:

Profit target: 5% of the initial account size. Combined across both phases that is 13%. Phase 2 is the lighter of the two and works as a confirmation that the edge holds across more than one stretch of sessions.

Max Loss Limit: the same 10% static floor. It is not a fresh counter. FundingPips states that the floor never moves, so drawdown taken earlier is not reset by entering Phase 2.

Daily Loss Limit: 5% of the higher of the day’s opening balance or opening equity, same mechanic as Phase 1, fresh each day at 00:00 Platform Time (UTC+3).

Minimum trading days: 3, counted independently of Phase 1.

Consistency rule: none during Phase 2. The Profit Concentration Policy is assessed per phase, so Phase 2 gets its own 60% test against its own $2,500 target on a $50K account.

A 5% target sitting under the same 5% daily budget makes Phase 2 the lighter half of the evaluation on paper. The catch is the floor. Because it is static, a trader who arrives in Phase 2 already 6% down has 4% of room left, not 10%. Read the remaining distance to $45,000 on a $50K account, not the phase label.

FundingPips 2 Step Standard Master Account rules

Checked 30 July 2026, after both phases are passed:

Max Loss Limit: 10% of the initial account size, the same static floor as the evaluation.

Daily Loss Limit: 5% of the higher of the day’s opening balance or opening equity, reset at 00:00 Platform Time (UTC+3).

Consistency Score: 35% on On Demand: no single trading day may account for more than 35% of total profit, and the score resets after each reward. Weekly and Bi-Weekly are not subject to it. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35% consistency score or lower, seven profitable days of at least 0.5% of the starting Master Account size, and a 1% Striking System trigger.

Risk Per Trade Idea: not applicable on 2 Step Standard. The dedicated Risk Per Trade Idea page, updated 30 July 2026, lists 2 Step Standard as not applicable on all accounts. The model page still carries a 3% and 2% ladder, but it sits under the heading for Master Accounts on the 10% profit target, and that target was withdrawn effective 24 July 2026 at 06:00 Server Time (UTC+3). On the models where the rule is live it applies to Master Accounts only, including merged accounts, never during an evaluation phase, and a breach closes the account immediately.

Striking System: this is the rule most 2 Step Standard guides miss. On Master Accounts above $25,000 with an 8% profit target, a warning is recorded the first time the combined floating loss on one trade idea reaches 1.2% of the account size. That is $600 on a $50K account and $1,200 on a $100K account. Warning one is a warning plus deduction of that trade idea’s profit, warning two drops the reward split by half and deducts the profit again, warning three drops the split to 20% with the same deduction, and warning four is an account breach and immediate closure. Warnings are cumulative for the life of the account and never reset after a reward, a new cycle or a scale-up, and trades are never force-closed. Losing trades are not refunded.

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

Reward splits by cycle:

The cycle is not a setting you tune later. FundingPips is explicit: the final action before you can trade is to set your reward cycle from the dashboard, and this enables trading and locks the selection permanently. Outside On Demand, the minimum reward request is 1% of the Master Account size including the firm’s split, and the cycle resets only after a reward has been successfully processed, so a missed date does not cost you the window. Requests are processed within 1 to 3 working days excluding weekends, plus 1 to 2 working days for the money to reach a wallet or bank.

For the full reward structure see the FundingPips payout rules article, and note that the registration fee is refunded at the 4th reward on a 1 Step or 2 Step Standard Master Account, a refund that has never applied to 2 Step Pro, 2 Step Flex or Zero.

2 Step Standard against 1 Step Flex

The comparison people actually want is against the one-phase model, which FundingPips now calls 1 Step Flex. Checked 30 July 2026:

The old summary, that the two-phase model wins on every risk metric, no longer holds. 1 Step Flex carries the wider floor at 12% and has no minimum-day requirement at all, and neither model carries a Risk Per Trade Idea cap today. 2 Step Standard wins on the daily budget, on the Striking threshold, and on cycle choice, since it is the only model in the lineup where 100% is available at all.

Practical decision: if your losing days are shallow and frequent, the 5% daily budget on Standard is worth more than the extra 2% of floor on 1 Step Flex. If your losing days are rare and deep, the reverse is true. And if you trade several correlated positions at once, read the Striking thresholds first, because that is where both models actually bite.

What happened to the 10% Phase 1 target

Older guides describe a choice of Phase 1 target on this model. That choice is gone, and the change is recent enough that most of the web has not caught up:

Withdrawn: FundingPips states "10% Profit Target: No Longer Offered, effective 24 July 2026 at 06:00 Server Time (UTC+3)". New 2 Step Standard accounts are 8% and 5%, full stop.

Existing accounts: the firm states that existing 2 Step Standard accounts with a 10% profit target will reset as 2 Step Flex with 85% profit split.

The 10% and 6% two-phase structure has not disappeared from the lineup, it has moved. It is now called 2 Step Flex, and it comes with its own envelope: a 12% Max Loss Limit, a 4% Daily Loss Limit, sizes from $5K to $100K, and a reward split of 85% or 95% chosen at purchase and locked for the life of the account. On the 85% split there are no minimum trading days; on the 95% split each phase needs 3 profitable days, and so does each Master reward cycle.

So the practical question is no longer which Phase 1 target to pick, it is which of the two models to buy. 2 Step Standard for the wider daily budget, the cycle menu and the 4th-reward fee refund. 2 Step Flex for the wider floor and a fixed 85% or 95% split with no Consistency Score at all.

Scaling: the Prime Account

FundingPips documents one scaling mechanic today, and it is not a tier ladder on the Master Account. It is the Prime Account, opened by invite or unlocked after the 3rd reward, though the FundingPips Compare Account Models page, updated 28 July 2026, describes the move as available on any reward from the first. The Master Account closes once the Prime Account opens. Checked 30 July 2026:

Every Prime Account carries the same trailing 8% Max Loss Limit regardless of which model the reward came from, and all active accounts, including Evaluation, Master and Prime Accounts, share a single Max Allocation of $400K, though the Prime Account article states the same $400K more narrowly, across active Prime Accounts only, so plan against the tighter reading. See the FundingPips account types guide for how the five models compare.

Who should choose FundingPips 2 Step Standard

Choose 2 Step Standard if:

• You want the widest daily budget in the lineup, 5% against 4% on 2 Step Flex and 3% on 1 Step Flex and 2 Step Pro
• You want a choice of reward cycle, this is the only model with one, and the only route to a 100% split
• You plan to stay funded, the registration fee comes back at the 4th reward on this model and on 1 Step, and nowhere else
• You trade below $25,000, where the Striking System does not apply at all and the Profit Concentration Policy does not either

Who should skip FundingPips 2 Step Standard

Look at another model if:

• You want no minimum trading days, 1 Step Flex has none, and neither does 2 Step Flex on the 85% split
• You want to skip the evaluation entirely, take FundingPips Zero for an instant Master Account, if you can live with a 15% Consistency Score and a permanent weekend ban
• You want the highest fixed split, 2 Step Flex pays 85% or 95% with no Consistency Score on either
• You want to be through the evaluation fast, take 2 Step Pro at 6% per phase and 1 minimum trading day, and accept a 6% floor with no recovery room

The bottom line

FundingPips 2 Step Standard is 8% in Phase 1 and 5% in Phase 2 as of 30 July 2026, behind a single static 10% Max Loss Limit and a 5% Daily Loss Limit, with 3 minimum trading days in each phase. The old 10% Phase 1 option was withdrawn on 24 July 2026 and that structure now belongs to 2 Step Flex. On the Master Account the split follows the cycle you lock before your first trade: 60% Weekly, 80% Bi-Weekly, 100% Monthly, or 90% On Demand with a 35% Consistency Score and a 2% minimum. Above $25,000 the Striking System is the rule that decides how much your split is really worth. It is the right pick for traders who want the widest daily budget and the cycle menu, and the wrong pick for anyone who wants no minimum days, in which case take 1 Step Flex, or who wants no evaluation at all, in which case take FundingPips Zero. For the fastest pass with the tightest floor, see the 2 Step Pro variant. See the FundingPips main review for the complete firm assessment.

Frequently Asked Questions

What is FundingPips 2 Step Standard?

FundingPips 2 Step Standard is a two-phase evaluation followed by a Master Account. Checked 30 July 2026, Phase 1 targets 8% and Phase 2 targets 5%, both behind one static 10% Max Loss Limit and a 5% Daily Loss Limit, with a minimum of 3 trading days in each phase. Pass both and the Master Account unlocks, where the reward split follows the cycle you set: 60% Weekly, 80% Bi-Weekly, 100% Monthly, or 90% On Demand.

What are the FundingPips 2 Step Standard profit targets?

8% in Phase 1 and 5% in Phase 2, 13% combined. There is no second option any more: FundingPips withdrew the 10% Phase 1 target effective 24 July 2026 at 06:00 Server Time (UTC+3), and states that existing 2 Step Standard accounts with a 10% profit target reset as 2 Step Flex with an 85% profit split. To pass a phase you need to reach the target with all open trades closed, and there is no time limit on either phase.

What is the FundingPips 2 Step Standard max drawdown?

10% of the initial account size, and it is a static floor: FundingPips states it never moves. It applies across Phase 1, Phase 2 and the Master Account, covers floating losses, and is breached on touch. On a $50K account the floor sits at $45,000 for the life of the account. The Daily Loss Limit is a separate 5% of the higher of the day’s opening balance or opening equity, resetting at 00:00 Platform Time (UTC+3).

How many trading days does FundingPips 2 Step Standard require?

A minimum of 3 trading days in each phase, so 6 in total. Reaching the profit target sooner does not shorten the count. There is no maximum: neither phase has a time limit. The only deadline anywhere on the account is inactivity, where 30 consecutive calendar days without a fully closed trade breaches it, and open trades do not count toward keeping it alive.

What is the FundingPips 2 Step Standard consistency rule?

35% on the On Demand reward cycle. No single trading day may account for more than 35% of total profit, and the score resets after each reward. Weekly and Bi-Weekly are not subject to it, and no Consistency Score applies during either evaluation phase. For 2 Step Standard Master Accounts purchased on or after 15 August 2026, Monthly also requires a 35% consistency score or lower, seven profitable days of at least 0.5% of the starting Master Account size, and a 1% Striking System trigger. Separately, the Profit Concentration Policy can attach a permanent 4-profitable-day condition to the Master Account if one trade idea contributes more than 60% of a phase target.

What is the FundingPips 2 Step Standard profit split?

It depends on the cycle: 60% Weekly, 80% Bi-Weekly, 100% Monthly, or 90% On Demand with a 35% Consistency Score and a minimum request of 2% of the account size rather than the usual 1%. The cycle is set once from the dashboard, that action enables trading, and it locks the split permanently. This is the only FundingPips model with a menu; every other model has a single fixed split.

Is FundingPips 2 Step Standard easier than 1 Step Flex?

Not across the board. 2 Step Standard has the wider daily budget, 5% against 3%, and a looser Striking threshold, 1.2% and only above $25,000 against 1% at every size. 1 Step Flex has the wider static floor, 12% against 10%, and no minimum trading days at all against 3 per phase. Neither model carries a Risk Per Trade Idea cap: the rules page lists both as not applicable. If your losing days are shallow and frequent, Standard suits you; if they are rare and deep, 1 Step Flex does.

Can I trade news on FundingPips 2 Step Standard?

Not freely. During both evaluation phases there are no restrictions on holding trades through news events, but purposely trading news is prohibited and leads to account closure. On the Master Account a restricted window runs from 5 minutes before to 5 minutes after a red-folder Forex Factory event on the affected currency, and the full profit of a trade opened or closed inside it is deducted, not just the part earned in the window. Trades opened 5 hours or more before the event are exempt. Partial closes flag the whole order, and the deduction stays your problem downstream: FundingPips states that traders are responsible if profit deductions push the account through its daily loss or max loss limit.

Can I hold trades over the weekend on FundingPips 2 Step Standard?

In the evaluation phases yes, without restriction. On the Master Account no, for now: FundingPips describes a temporary change under which holding trades over the weekend is currently not allowed on 2 Step Standard Master Accounts, and says it remains in effect until further notice. The model page gives no start date, but the firm’s News Trading and Weekend Holding article dates the measure to 29 January 2026 and applies it to Master Accounts across all four standard models. Open trades are auto-closed at Friday market close and this is not a hard breach. FundingPips Zero is the exception: there the weekend ban is permanent and a hard breach.

Is FundingPips 2 Step Standard worth it?

It is worth it if you want the widest daily budget in the lineup, a choice of reward cycle including the only 100% split FundingPips documents, and the registration fee back at the 4th reward. It is worth less if you trade above $25,000 with several correlated positions, where the Striking System can halve your split before you notice, or if minimum trading days are what you are trying to avoid. There is also a free way to test the model first, see below.

Is there a free way to try FundingPips 2 Step Standard?

Yes. The Free Trial gives you a live MT5 environment mirroring the 2 Step Standard model at no cost, on the FundingPips-Trial server. Each phase expires 14 calendar days after activation, weekends included, and the timer cannot be paused, extended or reset. Profit targets, loss limits and the 3 minimum trading days per phase match the paid model. It runs in USD, needs only a name and an email, cannot run alongside an active account, produces no rewards, and cannot be converted into an Evaluation or Master Account.

What does a FundingPips 2 Step Standard reset cost?

Documented discounts are 15% off a Phase 1 reset, 10% off a Phase 2 reset, and 7% off a Master Account reset excluding accounts at $100K and above, each available only within 7 calendar days of the breach. A reset keeps the account size, reward cycle and platform, and a reset Phase 2 account restarts at Phase 1. FundingPips is inconsistent on inactivity closures by model: on 2 Step Standard the reset box lists inactivity breaches as eligible while the FAQ on the same page says they do not qualify, and on 2 Step Pro the FAQ says resets are now available for inactivity breaches, so check the dashboard rather than any single sentence.