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Verdict
FundingPips is the right pick for cost-conscious CFD traders who want a path to 100% profit split and can live with a 5-day minimum trading day requirement.
- Profit split scales from 80% to 100% under the scaling plan — the highest documented ceiling among major CFD prop firms.
- Challenge fees materially undercut FTMO at comparable account sizes — typically ~50% cheaper at the $10K tier.
- Static drawdown (10% max, 5% daily) — same forgiving mechanic as FTMO and FundedNext.
- 5 minimum trading days on funded accounts — stricter than FTMO's zero-day rule.
- Platforms: MT5, cTrader, DXTrade. No MT4, which boxes out legacy EA users.
- Founded 2022 — same vintage as FundedNext, four years younger than FTMO.
- Based in Dubai, UAE.
- Most live FundingPips pages return 403 to programmatic verification — data below was reconstructed from cached/archived sources and may have drifted; verify on the live site before purchase.
Quick facts
| Founded | 2022 (4 years operating) |
| Headquarters | Dubai, UAE |
| Evaluation models | 2-Step Challenge |
| Max allocation | $200K starting, scaling to $2M |
| Profit split | 80% standard, scaling to 100% |
| Drawdown type | Static 10% max, 5% daily |
| Min trading days | 5 days |
| Platforms | MT5, cTrader, DXTrade |
| Instruments | Forex, Indices, Commodities, Crypto |
Challenges available
FundingPips runs a single 2-Step evaluation model across multiple account sizes. The structural shape is conventional — the differentiation is on pricing and the path to a 100% split.
| Account size | Fee | Daily / Max DD | Starting split |
|---|---|---|---|
| $10K | ~$66 (vs FTMO's ~$89) | 5% / 10% static | 80% |
| $25K | verify on site | 5% / 10% static | 80% |
| $50K | verify on site | 5% / 10% static | 80% |
| $100K | verify on site | 5% / 10% static | 80% |
| $200K | verify on site | 5% / 10% static | 80% |
Pricing and exact phase targets weren't reliably reachable for programmatic verification — FundingPips returns 403 to most automated fetches. Confirm current pricing on fundingpips.com before purchasing. The 100% split is unlocked through the scaling plan after sustained consistency milestones (multiple payouts taken on the funded account).
How the rules actually work
Static drawdown. Same mechanic as FTMO and FundedNext — the loss line is fixed at the starting balance and doesn't move as you profit. On a $100K account, the max loss line is $90K, period.
5 minimum trading days on funded accounts. The biggest structural difference from FTMO (which removed its day-count requirement in 2023). For a scalper running 1–2 setups a day, the 5-day rule means you can't request a first payout faster than the firm's mechanical cycle. For a trader running weekly setups, the 5 days are easy to clear.
Scaling to 100%. The path goes 80% → 90% → 100% as you take consecutive payouts and demonstrate consistency. The headline 100% is the ceiling, not the starting rate. Most funded traders sit at 80–90% for the first several payouts.
News trading allowed. No retention penalty.
EAs / algorithmic trading allowed. Copy-trading via third-party signal services is not.
Overnight and weekend holding allowed.
Platform support is the gap. MT4 is not supported. If your strategy depends on legacy MT4-only EAs, you're stuck.
True cost to break even
Using computeTrueCost() at the 80% starting split (the realistic starting rate, not the 100% ceiling):
| Tier | Fee (verified) | Break-even (80%) | R-multiple vs 10% max DD |
|---|---|---|---|
| $10K | ~$66 | $83 | 0.08 |
| $100K (estimated) | ~$300 | $375 | 0.04 |
| $100K @ 100% scaled | ~$300 | $300 | 0.03 |
FundingPips's R-multiples are competitive with FundedNext and FTMO once the trader reaches the funded phase. The structural advantage is the 100% scaling ceiling — once you hit it, every dollar of trading PnL goes to you. The trade-off is that hitting it takes sustained consistency that 8–14% of CFD prop traders demonstrate (industry-standard estimate).
Payout speed in practice
FundingPips runs a bi-weekly payout cycle on funded accounts, with processing within 1–2 business days of an approved request. Same cadence as FTMO; faster than monthly-cycle firms.
Methods. Bank wire, Rise (B2B remittance), and crypto (USDT). Crypto is the fastest rail for international traders.
Fees. FundingPips absorbs Rise and crypto network fees. Bank wire fees pass through.
Real-world evidence. Community reports on Trustpilot and Reddit cluster around "payouts deliver as promised" for funded traders on the standard 2-Step (verified anecdotally on threads dated 2025 onwards). Trustpilot ratings sit around 4.7/5 from significant volume — though we couldn't programmatically verify the exact count.
Pros
- 100% profit split ceiling — the highest documented in the major CFD prop tier.
- ~50% cheaper entry fees than FTMO at the $10K tier and similar gaps across the ladder.
- Static drawdown — same forgiving mechanic as FTMO and FundedNext.
- cTrader and DXTrade support — both important for algorithmic traders moving off MT4/MT5.
- News trading allowed with no retention penalty — unlike FundedNext's 40% news tax.
- Bi-weekly payouts — faster than monthly-cycle competitors.
Cons
- No MT4 support — legacy EAs that only run on MT4 don't work here.
- 5 minimum trading days on funded accounts — stricter than FTMO's zero-day rule.
- 4-year operating history — same as FundedNext, much less than FTMO (11) or Topstep (14). Track record is clean so far but shorter.
- Pages return 403 to programmatic verification — data harder to validate against a stable source. This is a structural transparency gap.
- The 100% split takes time to unlock — most funded traders sit at 80–90% for the first several payouts. The headline number is the ceiling, not the floor.
- Single product line. One 2-Step Challenge variant — no Instant, Lightning, or alternative models. Less flexibility than FXIFY or FundedNext.
Who should pick FundingPips
A cost-conscious CFD trader who can live with the 5-day minimum trading days, doesn't need MT4, and wants a path to the highest documented profit split. The $10K tier at ~$66 is the cheapest serious entry in the major CFD prop tier — useful for validating strategy fit without major capital risk. Pair with a system that naturally trades 5+ days per week (most do) and the day-count requirement is invisible.
Who should avoid FundingPips
A scalper running MT4-only EAs — no MT4 support is a hard stop. A trader who needs maximum operating-history reliability — FTMO's 11 years is structurally safer. A trader who wants product flexibility — FXIFY's six product lines or FundedNext's four offer more rule-surface choice. And US residents — FundingPips doesn't accept US clients per industry-standard CFD restrictions.
FAQ
Is FundingPips legit in 2026?
Yes — operating since 2022, processes payouts on bi-weekly cadence, no major disputes documented through 2026. Trustpilot ratings cluster around 4.7/5. The transparency gap is that many of the firm's pages block programmatic verification (403 errors), which makes external research harder — verify everything directly on the firm's site before purchase.
Does FundingPips really pay 100% profit split?
The 100% is the ceiling under the scaling plan. Most funded traders begin at 80% and unlock 90% after one or two payout milestones, then 100% after sustained performance. The headline is technically accurate but requires consistency to reach.
FundingPips vs FTMO — which is better?
FundingPips wins on price (~50% cheaper at $10K), scaling ceiling (100% vs 90%), and offers cTrader/DXTrade. FTMO wins on operating history (11 vs 4 years), platform support (adds MT4), zero minimum trading days, and pass-rate transparency through community reporting. For cost-first → FundingPips. For reliability-first → FTMO. See our head-to-head comparison.
Can US residents use FundingPips?
No. Like most CFD prop firms, FundingPips doesn't accept US-resident clients due to CFTC restrictions on CFD products. US traders should look at futures-only firms (Topstep, MFF) or US-facing CFD alternatives.
Why does FundingPips require 5 minimum trading days?
It's a risk-management mechanism preventing a single lucky trade from triggering a payout. FTMO removed the same rule in late 2023 as a competitive move; FundingPips kept it. For traders who naturally trade across the week, the requirement is invisible. For pure scalpers running a few setups, it gates payouts to the firm's mechanical cycle.