Funding Pips review 2026: rules, payouts and which model to pick
Review date:
Five models, five different trade-offs. 2 Step Standard offers a wider daily loss option. 2 Step Flex gives more overall loss room. 1 Step Flex removes a phase. Check the Master rules before choosing: news restrictions and the Swing add-on change what you can hold.
Full reviewTrade-offs, questions & evidenceCollapse full review
Pros and cons
02What changes the fit for your trading approach.
What works
- Five current model choices, including Zero without an evaluation.
- 2 Step Flex has a 12% static maximum loss limit.
- Several reward cycles, with split and eligibility tied to your model.
- Evaluation-phase overnight and weekend holding is allowed.
- 2 Step Standard refunds its registration fee at the fourth reward.
What to watch
- Master overnight and weekend holding requires the Swing add-on on evaluation models.
- Zero combines trailing loss, open-risk, consistency and safety-cushion rules.
- Third-party EAs may only act as trade or risk managers.
- Inbound copy trading and VPN or VPS access are prohibited.
Payouts and reward conditions
05The highest advertised split is not the same as the easiest reward path.
- 2 Step Standard
- Weekly 60%, bi-weekly 80%, On Demand 90%, or monthly 100%. On Demand has 35% consistency and a 2% minimum reward.
- Flex models
- 1 Step Flex: 80% bi-weekly. 2 Step Flex: 80% or 95% bi-weekly, locked at purchase. Eligible accounts can use monthly 100%.
- 2 Step Pro
- 80% every 7 calendar days from the first Master trade, or monthly 100% for eligible accounts.
- Monthly conditions
- 35% consistency gates reward eligibility, not automatic account breach. Also required: 7 profitable days of 0.5%+ and a 1% Striking System warning trigger.
- Zero
- 95% every 14 calendar days. Requires 15% consistency, 7 profitable days, a 3% safety cushion, and largest losing trade no larger than largest winning trade.
Trading conditions
06Evaluation and Master rules differ. Zero has separate hard-breach rules.
- Platforms
- MT5, cTrader and Match-Trader. Swap-Free add-on is MT5 only.
- Instruments
- 41 instruments across forex, metals, indices, energies and crypto.
- Commission
- Forex and metals: $5/lot standard, $7/lot on Zero, $10/lot Swap-Free MT5. Energies and indices: no commission. Crypto: 0.04%.
- News on evaluations
- Holding through news is allowed on evaluation models, but purposely trading news is prohibited.
- News on Master
- Affected-currency profits from opening or closing within 5 minutes of high-impact news may be deducted; speeches use 10 minutes. Trades opened at least 5 hours earlier have an exception.
- Zero news and weekends
- No opening, closing or holding within 10 minutes either side of affected high-impact news. On Zero, weekend holding is a hard breach, not a routine auto-close.
- Overnight and weekends
- Swing traders can hold in evaluation, but need the 10% Swing add-on on Master. Without it, overnight/weekend trades auto-close: no breach, but no valid trading day.
- EAs and copy trading
- Personal EAs can fully automate with proof of ownership; a compiled binary alone is not enough. Third-party EAs can only manage trades or risk. Own-account and outbound copying allowed; inbound and different-owner copying prohibited.
- Access and add-ons
- VPN and VPS access prohibited.
Hot Seat scaling plan
07Check Funding Pips’ current scaling terms before planning account growth.
View official scaling terms ↗Our verdict
08Model fit matters more than a headline split.
2 Step Standard has 8% / 5% targets and 10% static loss. 2 Step Flex gives 12% loss room but needs 10% / 8%. 1 Step Flex needs 12% in one phase. Check your purchase date: pre-28 September accounts use legacy rules.
Zero skips evaluation. Its trailing loss and 1% open-risk limit constrain trading; 15% consistency and the 3% cushion constrain rewards. A bi-weekly cycle alone does not make profit withdrawable.
Master holding restrictions and EA ownership rules can rule out a model before price enters the decision. Check current prices and scaling terms directly with Funding Pips before paying.
Look elsewhere if: You need unrestricted Master weekend holding, inbound signals or third-party fully automated bots.
Alternatives to Funding Pips
09Compare these firms and check their current rules.
See CFD and forex prop firm rankings ↗Frequently asked questions
10Answers follow the source check, not the outdated live rule tables.
What challenge types does Funding Pips offer?
Current Help Center names are 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and FundingPips Zero. Zero has no evaluation. The discontinued 1 Step Model is not 1 Step Flex.
What is the Funding Pips drawdown rule?
Maximum loss is static on the four evaluation models: 10% Standard, 12% Flex models and 6% Pro. Zero uses a 5% trailing floor that locks at the starting account size once equity reaches +5%. Daily loss is separate; see the matrix.
What platforms does Funding Pips support?
MT5, cTrader and Match-Trader. Swap-Free add-on is MT5 only.
Does Funding Pips have a consistency rule?
Yes, depending on model and cycle. Monthly rewards use 35%; Standard On Demand also uses 35%. Zero uses 15% each reward. 2 Step Flex bi-weekly has no consistency score.
Can I hold trades over the weekend?
Evaluation holding is allowed on the four evaluation models. Master overnight and weekend holding requires the Swing add-on. Zero weekend holding is a hard breach.
Is the FTR coupon still valid?
Use FTR for the existing 20% offer. Confirm the applied discount and final fee at checkout.
Related reading
11One place for the next useful comparison.
Methodology and sources
PropFirmReviews scores challenge rules, payout reliability, cost, platform, support and transparency. Official Help Center rules checked 6 October 2026; current terms take priority over older official pages.
How we score ↗Standard · 2 Step Flex · 1 Step Flex · Pro · Zero
Risk and affiliate disclosure
Challenge fees are money at risk. You can fail an evaluation and lose the fee. Funded accounts often use simulated capital. Rules and prices can change; confirm them with the firm before paying. Nothing here is financial advice.
Some links are affiliate links. If you sign up through one, we may earn a commission at no extra cost to you.
Advertising disclosure · Full disclaimerOriginal review introduction & disclosure
Funding Pips review 2026: rules, payouts and which model to pick
Five models, five different trade-offs. 2 Step Standard offers a wider daily loss option. 2 Step Flex gives more overall loss room. 1 Step Flex removes a phase. Check the Master rules before choosing: news restrictions and the Swing add-on change what you can hold.
Review date:
Best for
Traders who want scale-proven payouts: $137M+ across 60,000+ transactions, 55,000+ Trustpilot reviews at 4.5/5, and a Hot Seat path to $2M.
Avoid if
You run purchased bots (source code is required), need MT4, or hold over weekends on the Zero model.
Some links on this page are affiliate links. If you sign up through one, we may earn a commission at no extra cost to you. Advertising disclosure · Full disclaimer
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