The short answer
FundingPips sells forex and CFD evaluations and an instant account, and lets you trade payout speed against profit share: the same 2 Step account pays 60% weekly or 100% monthly. Its terms make the Prime Account “mandatory” if the firm offers it, and waive your right to refuse. All payments are final, the terms can change without notice, and the terms text does not name the company you contract with. On the four evaluation models, funded accounts bought from 28 Sep 2026 cannot hold trades overnight or over a weekend unless the Swing add-on was bought with the account.
How it works
FundingPips sells five models that differ in steps, targets and loss room. It changed its rules on 28 Sep 2026, and its Legacy Rules page states that the old rules apply to all purchases made before that date. The table shows the rules for accounts bought from 28 Sep 2026.
| Model | Before funding | Profit target | Daily loss | Maximum loss |
|---|---|---|---|---|
| 1 Step Flex | 1 phase | 12% | 3%, or 2% if chosen at purchase | 12%, static |
| 2 Step Standard | 2 phases | 8%, then 5% | 5%, or 3% if chosen at purchase | 10%, static |
| 2 Step Flex | 2 phases | 10%, then 8% | 4% | 12%, static |
| 2 Step Pro | 2 phases | 6%, then 6% | 3% | 6%, static |
| FundingPips Zero | None | None | 3% | 5%, trailing |
- The daily limit is set from the higher of the opening balance or equity and resets at midnight, platform time (UTC+3).
- Minimum days are 3 per phase on 2 Step Standard, or none if you choose its 3% daily loss. 2 Step Flex needs 1 per phase (or 3 profitable days on its 95% option). 2 Step Pro and 1 Step Flex have none. On 2 Step Pro accounts bought before 28 Sep 2026 the minimum is 2 days per phase, or 1 if bought before 26 Aug 2026. The 2 Step Pro page keeps one older sentence saying new accounts need 2 days; its phase cards and the checkout say none.
- Zero’s limit trails your highest equity and locks at the starting balance once you are 5% up. It also needs 7 profitable days in every 30 to stay active.
- The Profit Concentration Policy applies only to accounts bought before 28 Sep 2026. On those, for evaluations created from 27 Jun 2026, if one trade idea makes more than 60% of a phase target, the funded account will need 4 profitable days of 0.5% or more before each reward. That bites at $25,000 and above on 2 Step Standard, Pro and Flex, and at every size on 1 Step Flex. FundingPips’ current model pages do not state the policy for accounts bought from 28 Sep 2026.
- Overnight and weekend holds need the Swing add-on on 1 Step Flex, 2 Step Standard, 2 Step Flex and 2 Step Pro Master Accounts bought from 28 Sep 2026. You add it when you buy the account, for 10% of the fee. Without it, the system closes open trades every day between 20:45 and 21:00 UTC (21:45 to 22:00 UTC in winter). FundingPips states that this is not a breach, but the day does not count as a trading day. On these four models, Master Accounts bought before 28 Sep 2026 can hold overnight and are barred only from weekend holds, under a change FundingPips calls temporary. Evaluations can hold both.
How much does FundingPips cost?
Prices for each model and size are in the price box on this page. Four things the box cannot show:
- All payments are final. The terms give no refund once you buy.
The preamble states it in capitals and gives the reason:
ALL PAYMENTS ARE FINAL AND FOR EVALUATION PURPOSES ONLY. The registration fees are paid to allow you to access the FundingPips platform, models, and services. The Customer is not entitled to a refund of the registration fees because the service is delivered directly after purchase. No refund applies to the service that FundingPips offers.
Because the service is treated as delivered the instant it is paid for, there is no window at all, including before a single trade.
The rules you are held to can also move underneath you. The right sits in the Review and Revision section near the end of the Terms:
FundingPips retains the right to review and revise these Terms and Conditions at any time. These Terms are subject to modification without prior notice.
The consent sits in the preamble at the top:
We reserve the right to update, change, or replace any part of these Terms of Service by posting updates or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
No notice, no way to decline, and no refund to fall back on. Checking the page is the trader’s job, and continuing to trade is how a change is accepted.
- Resets are discounted within 7 days of a breach. On accounts bought from 28 Sep 2026, FundingPips’ reset cards give 8% off each evaluation phase, 7% off a Master Account at every size, and 20% off Zero. Two FAQs on its own pages disagree: the 2 Step Pro FAQ gives 10% for Phase 2, and the Zero FAQ gives 7% after an inactivity breach.
- Platform choice changes the price: cTrader adds $20 at checkout.
- Swap-free accounts cost extra, and from 28 Sep 2026 the checkout lists swap-free on the four evaluation models as needing the Swing add-on as well. On those four models, Swing and swap-free accounts run at lower leverage: forex 1:30, metals 1:10, indices and energies 1:5, crypto 1:1. On accounts bought before 28 Sep 2026, only the swap-free account on MetaTrader 5 takes the lower leverage. On Zero, swap-free energies stay at 1:10.
The reward cycle you pick changes your profit share, not the fee.
Account sizes run from $5,000 to $100,000 on 1 Step Flex, 2 Step Standard and 2 Step Flex, and from $5,000 to $200,000 on 2 Step Pro and Zero. On the four evaluation models, accounts bought before 28 Sep 2026 keep the older reset discounts: 15% off Phase 1 or a 1 Step Flex evaluation, 10% off Phase 2, and 7% off a Master Account except on $100,000 accounts.
FundingPips also runs a free trial: a MetaTrader 5 copy of the 2 Step Standard or 2 Step Pro with the same profit targets and rules, 14 calendar days per phase, and sign-up with a name and email, no card. It pays no profit, cannot lead to a Master Account, runs only while you hold no other active account, and does not count toward the grade. Because it costs nothing, it needs no discount code; codes are for the paid challenges.
Platforms and trading conditions
FundingPips offers MetaTrader 5, cTrader and Match-Trader. Two are closed to the United States: the firm says US residents and citizens cannot use cTrader, and MetaTrader 5 is not supported there.
- Leverage on the evaluation models is 1:100 on forex, 1:30 on metals, 1:20 on indices, 1:10 on energies and 1:2 on crypto. On a funded Master Account metals, energies and indices switch to dynamic leverage, and crypto drops to 1:1, which the firm describes as temporary. Zero runs lower and takes no dynamic tiers: 1:50 forex, 1:10 metals, indices and energies, 1:2 crypto.
- News on funded accounts: profit from trades opened or closed 5 minutes either side of restricted news, or 10 minutes around speeches, can be deducted. Trades opened 5 hours earlier are exempt.
- Zero treats both as hard breaches. Opening, closing or holding a trade within 10 minutes either side of restricted news closes the account, and so does holding over a weekend.
- Expert advisors are allowed as trade or risk managers, or fully automated if you can prove you wrote them.
- VPNs and VPS services are banned, and your IP region must stay consistent.
The rules that matter
FundingPips publishes its rules in detail. Four terms and policies decide what a trader keeps.
Prime is mandatory if offered
Clause 1(f) says that if FundingPips grants you access to the Prime Account Program, “such access is deemed automatically accepted by you, is mandatory, and you waive any right to refuse or contest it”. Prime runs on its own agreement, an 8% static loss limit and daily rewards at 80%. FundingPips states that when a Prime Account opens, every Evaluation and Master Account you hold closes once all open trades have closed.
Clause 1(f), then clause 5 of the separate Prime Terms:
“The Company may, at its sole and absolute discretion either directly or through one of its affiliates, elect to grant you access to the Prime Account Program. Should the Company elect to do so, such access is deemed automatically accepted by you, is mandatory, and you waive any right to refuse or contest it. […] If a Trader declines, refuses, or fails to proceed with a Prime Account transition after being selected or approved by the Company, the Company may, at its sole discretion, terminate the Trader’s account, close related accounts, revoke access to its services, and cease its relationship with the Trader.”
As written, clause 5 is not limited to an outright refusal, so watch for a Prime notice once you start taking rewards.
Prime is by invitation only: FundingPips invites traders directly, based on trading performance, and states that Prime can no longer be unlocked on request. Its 8% loss limit is static: it sits 8% below the starting balance and does not trail. Its 3% daily loss limit is a soft one: a breach pauses trading for the rest of the day, and the account stays open and resumes the next trading day. FundingPips’ Prime page gives conflicting figures for what a scale-up needs and for how large Prime can grow. Once your last Prime Account is breached, a 21-day cooldown starts, and after it you can start again from an Evaluation.
The profit that opens Prime is its price: it cannot be requested back, only what you then make on Prime can. Prime runs on MetaTrader 5 only, and US clients cannot transition.
Your split depends on how often you are paid
On 2 Step Standard, the same account pays 60% weekly, 80% every two weeks, 90% on demand or 100% monthly. The on-demand and monthly options add a 35% consistency score that blocks requests until your best day is a smaller share of profit.
Warnings that close the account
FundingPips’ own pages disagree on whether the Striking System applies to accounts bought from 28 Sep 2026. That day it was taken out of the rules on the 1 Step Flex and 2 Step Standard pages, but the Monthly reward section on each page still refers to it. On accounts bought before 28 Sep 2026 it works as follows.
On 1 Step Flex Master Accounts the Striking System issues a warning when one trade idea shows a 1% floating loss, at every size. On 2 Step Standard Master Accounts above $25,000 the trigger is 1.2% on the Weekly, Bi-Weekly and On Demand reward cycles, and 1% at every size on Monthly. Each warning costs more: the second halves your split, the third cuts it to 20%, the fourth closes the account. Profit from a trade idea that drew a warning is deducted, and warnings never reset.
On 2 Step Flex accounts bought before 28 Sep 2026, one trade idea may not lose more than 3% of the account at $25,000, or 2% above it, on Master Accounts. There is no such limit below $25,000 or during Phase 1 and Phase 2. For later accounts it is unclear whether the limit applies: the 2 Step Flex page no longer lists it. On Zero accounts bought before 28 Sep 2026 the limit is 3% below $50,000 and 2% from $50,000. For later Zero accounts it is unclear too: the Zero page dropped its definition but still names max risk per trade among Zero’s rules and keeps its 3% and 2% examples.
What a reward looks like on a $100,000 2 Step Standard account
Make $6,000 and choose the monthly cycle, and you can request all of it once 30 days have passed and your best day is no more than 35% of profit, and you have posted 7 profitable days of $500 or more. FundingPips states on its 2 Step Standard page that Monthly also drops the Striking System trigger to 1% at every account size. Choose weekly instead and the same profit pays $3,600.
What FundingPips says
Right of reply: answered. This review reports one critical finding drawn from FundingPips’ own documents, and three further findings. The firm was contacted before publishing and replied. Its answers are quoted below, in the firm’s own words. It answered one part of the critical finding and left two parts unanswered, and two of its other answers are better for traders than its own written terms are.
We put four findings to FundingPips on 6 September 2026 and it answered on 18 September, through its Public Relations Manager. On the critical finding we asked three things, and one of them was answered: FundingPips says no trader has ever rejected or declined Prime on invitation.
The firm did not say whether there is a grace period, and it did not say whether it would narrow the clause to an actual refusal. That matters because our objection was never that traders decline Prime. It was the third trigger in the clause, “fails to proceed”, which on its own wording reaches a trader who simply did not see the notice. Nothing in the reply addresses that trigger, so the finding stands as written.
The answer on governing law sharpened that finding instead of closing it, and it is the most useful thing in the reply. There are two contractual frameworks, not one.
The Prime Account Terms take precedence for the Prime program and are governed by the laws of the Union of the Comoros. The 1 Step, 2 Step and Master challenges are governed by the law of the United Arab Emirates as applied in the Emirate of Dubai, with disputes before the Dubai Courts. So the traders whose contract sits under Comoros law are specifically the successful ones, the traders invited to Prime. We also asked where a customer can read the arbitration provision clause 24 refers to, and that is still unanswered.
Two of the answers run in the firm’s favor and carry the same weight here as the finding does. On terms being modifiable without prior notice, FundingPips says existing accounts keep the terms they were bought under and that changes apply to new purchases. That is a better position for a trader than its own clause reads, and the firm volunteered the exception instead of leaving it out: when MetaTrader 5 discontinued in February 2024 it migrated existing accounts. On all payments being final, it says accounts activate automatically on purchase, so the case we raised, of paying for an account that is never activated, does not arise.
One part of the reply is not reproduced below. Roughly 250 words promoting the Prime program, including one trader’s payout history, answered none of the questions we asked and are left out.
Read FundingPips’ answers
On Prime being mandatory, clause 1(f) and Prime Terms clause 5
No trader has ever rejected or declined PRIME on invitation; all of the invitation-based traders are happy to shift.
On which law governs the contract
Our contractual framework consists of more than one document.
The Prime Account Terms govern the Prime Account Program and, in relation to that program, take precedence over the general Terms & Conditions. Those terms are governed by the laws of the Union of the Comoros.
Every other aspect of the relationship between Fundingips platform and the User regarding the FundingPips challenges (1 Step, 2 Step, Master, etc.), including the purchase and completion of a challenge, is governed by the laws of the United Arab Emirates as applicable in the Emirate of Dubai, with disputes before the Dubai Courts.
On terms being modifiable without prior notice
We always honor the terms active at the time of your challenge purchase. Whenever our Terms of Use change, we notify users across all official channels—including email—to ensure total transparency. These updates apply strictly to new account purchases; existing accounts retain the terms under which they were bought.
On rare occasions, market conditions or platform mandates require us to update trading conditions across all accounts. For example, when MT5 abruptly discontinued services in February 2024, we had to migrate accounts to protect our traders and ensure business continuity. Because all trading is simulated, these operational adjustments are always made in strict alignment with industry best practices to safeguard our traders’ best interests.
On all payments being final
Accounts are auto active on purchase, meaning all of the accounts purchased by users are instantly delivered and activated once the purchase and payment are completed; if the platform selected or available is showcasing delay the account is still delivered and activated. It is not a case of change of intent since the product is active on immediate purchase order.
Any other case, irrelevant to the previously mentioned, depends on the case itself and has to be investigated as it is completely circumstantial and it almost never happens, whether it is related to technical issues at the user’s end or the user’s payment method. With proper proof provided decisions are made with all company and user’s rights preserved.
Getting paid: how does FundingPips pay out?
FundingPips’ split runs from 60% to 100%, set by the model and reward cycle. The rules are:
- 1 Step Flex pays 80% every two weeks. 2 Step Flex pays 80% or 95% every two weeks, locked at purchase. On accounts bought before 28 Sep 2026, the 1 Step Flex split and the lower 2 Step Flex split are 85%. 2 Step Pro pays 80% weekly. Zero pays 95% every two weeks, on a single cycle. Every evaluation model also offers 100% monthly on accounts bought from 15 August 2026, gated on a 35% consistency score and 7 profitable days.
- The minimum reward depends on how fast you want it. It is 1% of the account size on the scheduled cycles and 2% on On Demand, so choosing the faster route doubles the smallest request the firm will accept. On a $5,000 account that is $50 against $100.
- Rewards go by card, crypto, Rise or bank transfer. FundingPips quotes 1 to 3 working days for processing, with card funds arriving 1 to 5 working days after approval, faster where your bank supports Pay to Card. Rise and bank transfers need at least $500.
- Close every trade and wait 15 minutes before requesting. Trading pauses while the request is processed.
- You can take a reward as a new challenge instead of cash.
- Zero sets four conditions on every request: consistency 15% or below, 7 profitable days of 0.25% or more, a first 3% of profit that is not requestable, and a biggest losing trade no larger than your biggest winning one.
The payment method matters on small accounts. On a $5,000 account the minimum reward is $50, but Rise and bank transfer both need at least $500, so a reward under $500 cannot go by either of them.
What can end your account
These rules can end a FundingPips account. Each comes from its own help center and terms:
- Touching the daily or maximum loss limit, including through open losses.
- 30 days without a completed trade.
- Four Striking System warnings (1 Step Flex and 2 Step Standard Master Accounts), or a breach of the risk-per-trade-idea limit (2 Step Flex Master Accounts of $25,000 and up, and Zero), on accounts bought before 28 Sep 2026. For later accounts FundingPips’ pages leave it unclear whether either still applies.
- On Zero: trading or holding through restricted news, holding over a weekend, or an open loss above 1%.
- Gap trading, HFT, hedging, tick scalping, copy trading with others or third-party account management.
- Declining or not proceeding with a Prime transition, which can also close your related accounts.
Who can join
The site footer says FundingPips’ services are not offered to residents of certain jurisdictions, including countries on the FATF and EU or UN sanctions lists, Vietnam and the UAE. Its help center also names Iran. The terms themselves name no country and set three conditions:
- You must be over 18.
- You must live in a country where the service is available, and use it only from such countries.
- FundingPips may refuse service to anyone for any reason.
Who you are dealing with
FundingPips’ terms set the law and courts but name no company in their text. The site footer, which appears on the same page, names the company that provides the service. The table shows what its documents state.
The footer states the license and then limits what it covers. The law, arbitration and courts wording that closes it is clause 24 of the Terms, on the same page:
“FundingPips Corp is a limited liability company incorporated under the laws of the Comoros Union with company number: HY01223081 […] The Company holds an International Brokerage and Clearing House License, Ibc Regulation Act 2014 (License No. Bfx2024004). Note: Although licensed, FundingPips Corp does not conduct brokerage services or offer real trading accounts on this website. […] Restrictions: Services are not offered to residents of certain jurisdictions, including countries on the FATF and EU/UN sanctions lists, Vietnam, and UAE. Registered Address of FundingPips: Premises NO. 19948-001, IFZA Business Park, DDP Dubai, UAE […] Any legal relations established by these Terms and Conditions or related to them […] shall be subject to the laws of Dubai, where applicable. Should there be a dispute between the parties and if the said dispute is not able to be resolved through arbitration as stated in the TOU by law or by circumstances, the dispute shall be resolved by the court of Dubai.”
| Detail | What FundingPips’ documents state |
|---|---|
| Company | FundingPips Corp, incorporated in the Comoros, company number HY01223081, named in the footer as providing the simulated trading services. The terms text names no company. |
| License, per the footer | An International Brokerage and Clearing House License, No. Bfx2024004, with no issuing authority named. The footer adds that FundingPips Corp does not offer brokerage or real trading accounts on the site. |
| Addresses given | A registered address in the Comoros, and a second registered address at IFZA Business Park, Dubai |
| Related company | FundingPips Services Ltd, Cyprus (HE 450941), described as a non-operational support and administrative office |
| Law | Dubai |
| Courts | The court of Dubai, if arbitration does not resolve a dispute |
| Terms effective | 15 May 2026, changeable without prior notice |
- All accounts are simulated, with rewards paid in real money.
- The Prime Account needs its own identity checks and a separate agreement.
Its Trustpilot profile scored 4.5 across 67,080 reviews on 27 August 2026, with 82% at five stars against 8% at one.
Why this grade
FundingPips can close every account you hold if you do not take up an invitation to its Prime program. That single clause does most of the work in pulling its grade down.
Acceptance is automatic and you waive the right to refuse. The clause reaches a trader who declines and one who simply fails to proceed, and the firm can then terminate the account and close related accounts.
Two other terms pull the same way. The rules can be changed after you have bought, and the changed rules apply to the account you are already trading. And all payments are final; the one refund the firm publishes is a milestone, the registration fee back at your fourth reward on a 2 Step Standard Master Account.
Which law governs you depends on which product you bought, and the split is not the one most traders would guess: the challenges sit under UAE law with disputes before the Dubai Courts, Prime under the laws of the Union of the Comoros. The traders furthest from a familiar court are the successful ones.
FundingPips answered these points and its reply is set out above. Neither its payout reliability nor its support has been tested here, so neither is scored.
FundingPips · what the record shows before you start
From the facts we hold for FundingPips: the published profit split reaches 95%, payouts run on a 1-weeks schedule, entry starts at $33, 52 trading rules are on record. This summary is assembled from the canonical record, not from the firm's marketing.
Read the full summary
The current grade is C (preliminary) under methodology firm-grade-v1.1.0. Preliminary means the letter rests on what we have read so far and no payout has been tested yet, so it can move as verification completes.
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Our verdict
FundingPips offers five models, a detailed help center and a choice of payout speed, but a mandatory Prime transition, final payments, terms that change without notice and a terms document that never names the company you contract with limit what a trader can rely on.
Best for
- Traders who want to choose between weekly cash and a bigger monthly split.
- Traders who want a wide static loss limit on 1 Step Flex or 2 Step Flex.
- Traders who want a choice of four platforms.
Avoid if
- You want to be free to turn down a change of account program.
- You hold funded positions overnight or over weekends. On the four evaluation models, accounts bought from 28 Sep 2026 need the Swing add-on for that, and on Zero a weekend hold closes the account.
- You trade high-impact news on a Zero account.
Questions traders ask
Which company am I contracting with?
Is the maximum loss static or trailing?
How does the payout cycle change my split?
Can I hold trades over the weekend?
Can I trade the news?
What is the Prime Account?
Facts checked: 28 Sep 2026 against FundingPips’ help center, and 15 Sep 2026 against its Terms. No payout independently verified. Right of reply: answered.
