What is FundingPips?
FundingPips is a Dubai-based proprietary trading firm founded in 2022. In just 3 years they've scaled to become one of the largest prop firms globally — processing over $200 million in payouts to traders across 150+ countries. Their growth is built on a simple formula: competitive pricing, static drawdown rules, and fast payouts.
They offer four distinct paths to a funded account: Zero (instant funding), 1-Step, 2-Step Standard, and 2-Step Pro. Each targets a different trading style and risk tolerance. Choosing the right one matters more than most traders realise.
The 4 Challenge Types — Explained
This is where FundingPips stands out. Most prop firms offer 1-2 challenge types. FundingPips gives you 4. Here's what each one actually means:
The 2-Step Standard is the most popular FundingPips challenge for good reason. The 10% static drawdown is the most forgiving in their lineup — your floor stays at $45K on a $50K account regardless of how much profit you make. No trailing mechanics to worry about.
Profit split scales with payout frequency: 60% weekly, 80% bi-weekly, 90% on-demand, 100% monthly. Our recommendation: choose bi-weekly (80%) to balance cashflow and split.
PRICING — 2-STEP STANDARD
| Account Size | Challenge Fee | Fee Refund |
|---|---|---|
| $5,000 | $36 | ✓ Yes |
| $10,000 | $69 | ✓ Yes |
| $25,000 | $149 | ✓ Yes |
| $50,000 | $289 | ✓ Yes |
| $100,000 | $549 | ✓ Yes |
The Pro version trades looser drawdown for faster payouts and lower phase targets. The 3% daily loss limit is tight — one bad session can wipe 50% of your daily buffer. Only suitable if you have consistent, disciplined risk management.
PRICING — 2-STEP PRO
| Account Size | Challenge Fee | Fee Refund |
|---|---|---|
| $5,000 | $29 | ✗ No |
| $10,000 | $55 | ✗ No |
| $25,000 | $119 | ✗ No |
| $50,000 | $219 | ✗ No |
| $100,000 | $399 | ✗ No |
Single phase evaluation — hit 10% profit and you're funded. Sounds great, but the 6% drawdown with a 10% target means your profit-to-drawdown ratio is 1.67:1. You have less room for error than the 2-Step Standard.
Honest take: The 2-Step Standard gives you 10% drawdown for only slightly more money. For most traders, 2-Step Standard is the smarter pick unless you're confident in hitting 10% quickly.
PRICING — 1-STEP
| Account Size | Challenge Fee | Fee Refund |
|---|---|---|
| $5,000 | $49 | ✓ Yes |
| $10,000 | $89 | ✓ Yes |
| $25,000 | $199 | ✓ Yes |
| $50,000 | $319 | ✓ Yes |
| $100,000 | $599 | ✓ Yes |
The 95% profit split is the highest FundingPips offers. But you pay for it with the tightest rules in the lineup: trailing drawdown, a 15% consistency rule on every payout, 7 minimum profitable days per month, and a 1% floating loss cap on open positions ($500 on a $50K account).
PRICING — ZERO
| Account Size | Challenge Fee | Fee Refund |
|---|---|---|
| $5,000 | $49 | ✗ No |
| $10,000 | $99 | ✗ No |
| $25,000 | $199 | ✗ No |
| $50,000 | $299 | ✗ No |
| $100,000 | $499 | ✗ No |
Payout Structure
FundingPips pays out every Tuesday — typically within 1–3 business days. Payout methods include bank transfer, Visa/Mastercard, cryptocurrency, and Riseworks. There is no withdrawal fee charged by FundingPips (though your bank may charge transfer fees).
The profit split on standard accounts scales with how often you withdraw:
| Payout Cycle | Split | Consistency Rule | Best For |
|---|---|---|---|
| Weekly | 60% | None | Regular cashflow |
| Bi-Weekly | 80% | None | Balance of both |
| On-Demand | 90% | 35% cap | Confident traders |
| Monthly | 100% | None | Max split, patient traders |
Fee refund: On eligible accounts (2-Step Standard, 1-Step), your challenge fee is refunded on your first successful payout. Effectively makes the challenge free if you reach funded stage.
Key Rules You Need to Know
News Trading Trap
During evaluation — you can trade news freely. NFP, CPI, FOMC — no restrictions. But once you're funded, profits from trades opened or closed within 5 minutes of a high-impact news event are stripped from your payout. The trades won't breach your account, but you lose those profits. Zero accounts have a wider 10-minute window.
To avoid accidentally trading into a news window, check ForexFactory before every session — filter by high-impact red folder events. For a full pre-session briefing combining news context and market structure, see our MRKT AI review.
Static vs Trailing Drawdown
All accounts except Zero use static drawdown. This means your loss floor is fixed from the start and never moves up. On a $50K 2-Step Standard with 10% drawdown, your floor is always $45K — even if you grow the account to $70K. This is one of FundingPips' biggest advantages over firms with trailing drawdown.
Scaling to $2M
FundingPips has a Hot Seat scaling plan. Reach Level 4 (16 successful payouts + 40% cumulative profit) and you unlock 100% profit split, doubled account balance, and up to $2M capital access — on-demand with no consistency rules.
Platforms
FundingPips supports MetaTrader 5, Match-Trader, TradeLocker, and cTrader (with a $20 add-on fee). MT4 is not available — if your strategy relies on MT4-specific EAs, you'll need to convert or choose a different firm.
FundingPips is one of the best prop firms available in 2026 for new and intermediate traders. The 2-Step Standard with static drawdown gives you the most room to trade consistently without getting spiked out. Pricing is competitive and fee refunds make the entry cost effectively zero if you perform.
Avoid the Zero account unless you're experienced and understand trailing drawdown mechanics. The 95% split sounds attractive — but the rules will catch most new traders off guard.
Before starting — use our free position size calculator to set your risk correctly on every trade, and track your challenge with a trading journal like TradeZella. Also comparing with FTMO? Read our full FTMO review.
What We Like
What to Watch Out For
Start with the 2-Step Standard $5K or $10K account. Use our code for a discount on your challenge fee.
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