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Verdict
FundingPips suits rule-first traders comparing 27 verified fees across 5 product models.
- The 2026-08-10 capture contains 5 products and 29 product-size combinations, not a single 2-Step challenge.
- FundingPips publishes 27 USD fees in its first-party comparison table; only the disputed $2.5K Pro and Standard rows remain unpriced.
- Static maximum-loss limits range from 6% to 12% on the 4 evaluation products; FundingPips Zero instead uses a 5% trailing limit.
- Captured base splits are 85% on 1 Step Flex, 80% on 2 Step Pro, and 95% on Zero; 2 Step Flex and Standard use selectable split-and-payout combinations.
- First-payout rules range from 7 days on 2 Step Pro to 14 days on 1 Step Flex, 2 Step Flex, and Zero.
- FundingPips is not on our India shortlist because the captured country, checkout, KYC, and payout evidence still does not prove an end-to-end Indian purchase and withdrawal.
Quick facts
| Captured products | 5 products across 29 account-size rows |
| Published sizes | $5K to $200K verified; 2 disputed $2.5K rows retained as unknown |
| Verified fees | 27 of 29 rows |
| Drawdown | 4 static products; 1 trailing product |
| Captured platforms | MT5, cTrader, Match-Trader |
| India evidence | Captured, but end-to-end checkout and payout access remain unproven |
Challenges available
The 2026-08-10 challenge file verifies 27 USD fees across 29 retained rows. “—” appears only on the disputed $2.5K Pro and Standard tiers and means unresolved, not free; confirm the live amount on the routed FundingPips checkout.
| Product | Phases | Account | Fee | Targets | Daily / Max DD | Base split |
|---|---|---|---|---|---|---|
| 1 Step Flex | 1 | $5K | $59 | 12% | 3% / 12% static | 85% |
| 1 Step Flex | 1 | $10K | $99 | 12% | 3% / 12% static | 85% |
| 1 Step Flex | 1 | $25K | $210 | 12% | 3% / 12% static | 85% |
| 1 Step Flex | 1 | $50K | $322 | 12% | 3% / 12% static | 85% |
| 1 Step Flex | 1 | $100K | $566 | 12% | 3% / 12% static | 85% |
| 2 Step Flex | 2 | $5K | $32 | 10% / 6% | 4% / 12% static | 85% or 95% |
| 2 Step Flex | 2 | $10K | $59 | 10% / 6% | 4% / 12% static | 85% or 95% |
| 2 Step Flex | 2 | $25K | $159 | 10% / 6% | 4% / 12% static | 85% or 95% |
| 2 Step Flex | 2 | $50K | $269 | 10% / 6% | 4% / 12% static | 85% or 95% |
| 2 Step Flex | 2 | $100K | $555 | 10% / 6% | 4% / 12% static | 85% or 95% |
| 2 Step Pro | 2 | $2.5K | — | 6% / 6% | 3% / 6% static | 80% |
| 2 Step Pro | 2 | $5K | $29 | 6% / 6% | 3% / 6% static | 80% |
| 2 Step Pro | 2 | $10K | $55 | 6% / 6% | 3% / 6% static | 80% |
| 2 Step Pro | 2 | $25K | $134 | 6% / 6% | 3% / 6% static | 80% |
| 2 Step Pro | 2 | $50K | $224 | 6% / 6% | 3% / 6% static | 80% |
| 2 Step Pro | 2 | $100K | $422 | 6% / 6% | 3% / 6% static | 80% |
| 2 Step Pro | 2 | $200K | $844 | 6% / 6% | 3% / 6% static | 80% |
| 2 Step Standard | 2 | $2.5K | — | 8% / 5% | 5% / 10% static | 60%–100% |
| 2 Step Standard | 2 | $5K | $36 | 8% / 5% | 5% / 10% static | 60%–100% |
| 2 Step Standard | 2 | $10K | $66 | 8% / 5% | 5% / 10% static | 60%–100% |
| 2 Step Standard | 2 | $25K | $177 | 8% / 5% | 5% / 10% static | 60%–100% |
| 2 Step Standard | 2 | $50K | $299 | 8% / 5% | 5% / 10% static | 60%–100% |
| 2 Step Standard | 2 | $100K | $544 | 8% / 5% | 5% / 10% static | 60%–100% |
| FundingPips Zero | 0 | $5K | $60 | — | 3% / 5% trailing | 95% |
| FundingPips Zero | 0 | $10K | $88 | — | 3% / 5% trailing | 95% |
| FundingPips Zero | 0 | $25K | $188 | — | 3% / 5% trailing | 95% |
| FundingPips Zero | 0 | $50K | $244 | — | 3% / 5% trailing | 95% |
| FundingPips Zero | 0 | $100K | $444 | — | 3% / 5% trailing | 95% |
| FundingPips Zero | 0 | $200K | $888 | — | 3% / 5% trailing | 95% |
Pricing and rules are current as of 2026-08-10 and come from FundingPips-owned Help Center pages. The 27 listed fees do not reuse temporary coupons or competitor data; the 2 unresolved $2.5K rows remain blank because FundingPips’ own pages conflict.
How the rules actually work
1 Step Flex: the 12% static maximum loss stays anchored to starting balance while the daily cap is 3%. On a $100K account, those percentages represent $12,000 total room and $3,000 in one day; a 12% target means the target and total loss allowance are equal.
2 Step Flex: the targets are 10% and 6% against a 4% daily and 12% static maximum loss. The buyer chooses an 85% split with no minimum profitable-day condition or a 95% split that requires 3 profitable days of at least 0.5% in each payout cycle.
2 Step Pro: both phases target 6%, the daily cap is 3%, and the static maximum loss is 6%. It requires 1 minimum trading day and pays an 80% split; the former Risk Per Trade Idea rule is explicitly marked removed in the captured article.
2 Step Standard: targets are 8% then 5%, with a 5% daily and 10% static maximum loss plus 3 minimum trading days. Its 35% consistency rule applies only when the trader chooses the 90% on-demand payout cycle, not during evaluation or on the other 3 payout cycles.
FundingPips Zero: there is no evaluation target, but the funded account uses a 3% daily and 5% trailing maximum loss. The first 3% profit is a safety cushion, reward eligibility needs 7 profitable days of at least 0.25% in a rolling 30-day period, and the largest losing day cannot exceed the largest winning day.
Weekday overnight holding is allowed, but weekend holding is not. The 4 evaluation products allow ordinary overnight positions; the optional MT5 Swap-Free add-on changes financing charges on Forex and Metals, not permission to hold. Zero also permits weekday overnight holding but treats a weekend position as a hard breach. News, weekend, EA, and copy-trading conditions still require product-specific checks.
True cost to break even
The following 17 rows come directly from computeTrueCost() using the 2026-08-10 first-party fees. Break-even profit means gross Master Account profit needed for the trader’s split to recover the fee; the R-multiple compares that amount with the product’s maximum-loss allowance.
| Tier | Fee | Break-even profit (85% split) | R-multiple vs 12% max DD | Days @ 1%/day (3% daily cap) |
|---|---|---|---|---|
| $5K | $59 | $69 | 0.12 | 2 |
| $10K | $99 | $116 | 0.10 | 2 |
| $25K | $210 | $247 | 0.08 | 1 |
| $50K | $322 | $379 | 0.06 | 1 |
| $100K | $566 | $666 | 0.06 | 1 |
| Tier | Fee | Break-even profit (80% split) | R-multiple vs 6% max DD | Days @ 1%/day (3% daily cap) |
|---|---|---|---|---|
| $5K | $29 | $36 | 0.12 | 1 |
| $10K | $55 | $69 | 0.11 | 1 |
| $25K | $134 | $168 | 0.11 | 1 |
| $50K | $224 | $280 | 0.09 | 1 |
| $100K | $422 | $528 | 0.09 | 1 |
| $200K | $844 | $1,055 | 0.09 | 1 |
| Tier | Fee | Break-even profit (95% split) | R-multiple vs 5% trailing max DD | Days @ 1%/day (3% daily cap) |
|---|---|---|---|---|
| $5K | $60 | $63 | 0.25 | 2 |
| $10K | $88 | $93 | 0.19 | 1 |
| $25K | $188 | $198 | 0.16 | 1 |
| $50K | $244 | $257 | 0.10 | 1 |
| $100K | $444 | $467 | 0.09 | 1 |
| $200K | $888 | $935 | 0.09 | 1 |
2 Step Flex and 2 Step Standard are not forced into one break-even table because each has multiple selectable splits. Their 10 listed fees are verified, but applying one 85%, 95%, 60%, 80%, 90%, or 100% assumption to every buyer would manufacture a false universal result.
Payout speed in practice
1 Step Flex and 2 Step Flex publish a first reward after 14 days and a bi-weekly cycle. 2 Step Pro shortens both to 7 days and weekly, while Zero returns to 14 days and bi-weekly.
2 Step Standard offers 4 distinct choices: 90% on demand with a 35% consistency score and 2% minimum profit, 60% weekly after 7 days, 80% bi-weekly after 14 days, or 100% monthly after 30 days. Quoting one “FundingPips split” for this product would erase the payout-speed trade-off.
The first-party India capture covers country restrictions, checkout methods, KYC, and payout caveats, but it does not prove that an Indian buyer can complete both purchase and withdrawal. Do not assume every aggregate payout method will appear after verification.
Trustpilot showed 4.5/5 from 63,734 reviews on 2026-07-27, but the site’s verified-payout badge remains false. A large review aggregate is community evidence; it is not proof that one strategy, KYC profile, or payout request will clear the firm’s rules.
Pros
- 5 current models cover 0-, 1-, and 2-phase paths instead of one stale 2-Step offer.
- 2 Step Flex provides a 12% static maximum loss, the widest captured loss allowance in the lineup.
- 2 Step Pro pays weekly after 7 days and has no activation fee field in the captured challenge model.
- 2 Step Standard exposes 4 payout choices from 60% weekly to 100% monthly.
- 1 Step Flex starts at an 85% split and has no classic consistency percentage.
- FundingPips Zero starts at 95% without an evaluation phase.
Cons
- 2 of 29 fee rows remain unresolved: FundingPips’ current Pro and Standard pages omit $2.5K while an older first-party article still calls it a paid-evaluation size.
- Zero’s 5% trailing cap is materially tighter than the 12% static limits on both Flex products.
- Zero requires 7 profitable days in a rolling 30-day period plus a 15% consistency score and 3% safety cushion.
- 2 Step Standard’s headline economics vary from 60% to 100% depending on the selected payout cycle.
- All 5 products restrict at least 3 trading behaviors, so an EA, news, or holding strategy needs product-specific confirmation.
- India access remains unproven: the captured country, checkout, KYC, and payout evidence does not establish one completed Indian purchase-and-withdrawal path.
Who should pick FundingPips
A rule-first CFD trader should compare the verified $29 fee on a $5K 2 Step Pro—with 6% and 6% targets, 6% static maximum loss, 1 minimum day, 80% split, and a 7-day reward cycle—against the $32 2 Step Flex fee, wider 12% loss room, and selectable 85% or 95% split.
Who should avoid FundingPips
A trader who needs a verified $2.5K entry tier should avoid FundingPips because both retained $2.5K rows remain unresolved. An Indian trader who needs a proven local checkout-to-payout route should use our India shortlist, which includes only firms that clear those evidence gates.
FAQ
How many FundingPips products are current?
The 2026-08-10 source file contains 5 products: 1 Step Flex, 2 Step Flex, 2 Step Pro, 2 Step Standard, and FundingPips Zero. Together they cover 29 retained account-size rows, including 2 unresolved $2.5K rows.
What is the cheapest FundingPips challenge?
The cheapest verified fee is $29 for the $5K 2 Step Pro. The $2.5K Pro and Standard rows remain unpriced because FundingPips’ current product pages conflict with an older first-party reference, so $29 is the cheapest verified fee, not a claim about an unresolved tier.
Does FundingPips pay a 100% split?
2 Step Standard publishes a 100% monthly option with a 30-day cycle. The same product also offers 60% weekly, 80% bi-weekly, and 90% on demand, so 100% is one selected payout structure rather than a universal starting split.
Which FundingPips model has the widest drawdown?
1 Step Flex and 2 Step Flex each publish a 12% static maximum loss. Their daily caps differ at 3% and 4%, while Zero is the tightest total rule at 5% trailing.
Can traders in India use FundingPips?
Not with enough confidence for our shortlist. First-party country, checkout, KYC, and payout evidence has been captured, but it does not prove an end-to-end Indian purchase and withdrawal, so FundingPips remains outside the 3-firm India shortlist.
Can FundingPips true cost be calculated?
Yes for 1 Step Flex, 2 Step Pro, and Zero: the 17 priced rows above use computeTrueCost() with fixed splits of 85%, 80%, and 95%. Flex and Standard true cost remains split-dependent because each buyer selects one of 2 or 4 payout structures.