FundingPips Review 2026: Fees, Safety & Account Types

FundingPips Prop Firm Overview

FundingPips is a proprietary trading firm that offers several challenge models and account types. This page sums up the key details traders usually look for, including platforms, instruments, rules, payouts, and current promos.

Quick facts

• Trustpilot rating: 4.5
• Created: Nov 2022
• Years operating: 3
• Total reviews listed: 862

Holiday offer

• 20% off on all accounts (first order only)
• Code: MATCH

Platforms, broker, and liquidity

• Broker: (listed by the firm)
• Liquidity provider: (listed by the firm)
• Trading platforms: cTrader, Match Trader, MT5

Payments

Payment methods

• Apple Pay
• Astropay
• Bank transfer
• Credit and debit cards
• Crypto
• Google Pay
• Neteller
• PayPal
• Paysafe Card
• Skrill

Payout methods

• Bank transfer
• Crypto
• Mastercard
• Riseworks
• Visa Direct

Markets and instruments

• Instrument type: CFDs
• Assets available: FX, metals, indices, energy, crypto

Leverage by model

Leverage can vary by program. Here’s what’s listed:

Instant

• FX: 1:50
• Metals: 1:20
• Indices: 1:20
• Energy: 1:10
• Crypto: 1:2

1-Step

• FX: 1:30
• Metals: 1:10
• Indices: 1:5
• Energy: 1:10
• Crypto: 1:1

2-Step and 3-Step

• 2-Step FX: 1:100
• 2-Step metals: 1:30
• 2-Step indices: 1:20
• 2-Step energy: 1:10
• 2-Step crypto: 1:2
• 3-Step: listed as not available (n/a) for the assets shown

Commissions

FX

• FP Zero: $7 per lot
• 1-Step, 2-Step, and 2-Step Pro: $5 per lot

Metals

• FP Zero: $7 per lot
• 1-Step, 2-Step, and 2-Step Pro: $5 per lot

Indices

• No commission

Energy

• No commission

Crypto

• FP Zero, 1-Step, 2-Step, and 2-Step Pro: 0.04% commission

Consistency rules (FundingPips Zero)

These rules apply only to FundingPips Zero accounts:

• Your biggest winning day can’t be more than 15% of your total profits.
• You must keep a 15% consistency score to request a reward.

Trading rules

Max single position loss

• Don’t risk more than 1% per trade or trade idea.

3% rule (1-Step, 2-Step, 2-Step Pro)

• No single loss can be more than 3% of the account size.
• Splitting one trade into several positions still counts as one trade.
• Opening a new trade in the same direction within 5 minutes after closing a losing trade counts as the same trade idea.

Copy trading

• You can copy trades between your own FundingPips accounts (same individual).
• For external copying, a FundingPips account may only act as a master to an external slave account.
• FundingPips also references a partnership with Prop Firm One for broader copy trading options across firms. More details are available at PropFirmOne.com.

News trading

• 1-Step, 2-Step, 2-Step Pro (Evaluation): allowed
• Funded accounts (1-Step, 2-Step, 2-Step Pro): profits won’t count if the trade is opened less than 5 hours before high-impact news and closed within 5 minutes before or after the event.
• On-Demand reward cycle (1-Step and 2-Step): news trading is allowed with no restrictions.
• FundingPips Zero: news trading is not allowed.

Weekend holding

• 1-Step, 2-Step, 2-Step Pro: allowed
• FundingPips Zero: weekend holding is not allowed

Capital allocation limit

• Standard account sizes: $25,000, $50,000, $100,000
• You can merge or scale up to $300,000 max across multiple accounts.

Expert Advisors (EAs)

• EAs are allowed only if they act as a trade or risk manager.
• Other third-party EAs are not allowed.

Inactivity rule

• You must open and close at least one trade within 30 days.

Minimum profitable days (FundingPips Zero)

• You need 7 profitable days within each 30-day period.
• Missing this requirement by the end of any 30-day period triggers a rule violation.

Forbidden strategies

The following are prohibited:

• Gap trading
• Server spamming
• Latency arbitrage
• Hedging
• Long-short arbitrage
• Reverse arbitrage
• Server execution
• Opposite account trading

Payout policy and reward cycles

• Minimum payout: 1% of the initial balance
• Maximum payout: no limit listed

1-Step model

• Tuesday: 60% split
• Bi-weekly: 80% split
• On-Demand: 90% split
• Monthly: 100% split

2-Step model

• Tuesday: 60% split
• Bi-weekly: 80% split
• On-Demand: 90% split
• Monthly: 100% split

FundingPips Pro

• Weekly: 80% split

FundingPips Zero

• Bi-weekly: 95% split

Scaling (Hot Seat)

• On-Demand: 100% split

On-Demand (90%) requirements (1-Step, 2-Step, FundingPips Pro)

To qualify:

• Reach a 35% consistency score, meaning no single day can make up more than 35% of total profit.
• Consistency resets after each reward.
• Minimum On-Demand reward amount is 2% of the initial balance.

Restricted countries

• Iran
• United Arab Emirates
• Vietnam

Announcement: MT5 is back

FundingPips announced that MT5 is available again, using FundingPips’ own license. The firm shared this update as it approached its third year in operation, and noted more than $110 million in rewards and more than 1 million traders worldwide.

Date: Mar 17, 2025