Funding Pips Prop Firm Review

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Funding Pips provides simulated CFD evaluation and Master accounts. The current catalogue has five programmes, with USD list prices from $29 to $888. Reward terms depend on model: Standard weekly pays 60%, Pro weekly 80%, Flex models offer biweekly options, and Zero pays 95% biweekly. Eligible monthly accounts offer 100% with consistency, profitable-day and risk conditions. Compare the selected model’s loss limits, reset costs and refund exclusions. Platforms are MT5, cTrader and Match-Trader.

Checked against Funding Pips’ official terms, help centre and pricing pages.

TL;DR: Funding Pips in 30 seconds

  • What it is: a simulated CFD trading evaluation service. Programme fees buy access to a demo environment.
  • Profit split: model and cycle matter. Standard weekly pays 60%; Pro weekly pays 80%. Eligible monthly accounts offer 100% with additional conditions.
  • Pro evaluation: 6% target in each phase, 6% static maximum loss, 3% daily loss and two minimum trading days per phase for new/reset accounts.
  • Costs: compare the entry fee, reset price and refund eligibility separately.
  • Before choosing: check concentration rules, reward requirements and Master-account weekend restrictions.
8.4Expert Score
Funding Pips provides simulated CFD evaluation and Master accounts. The current catalogue has five programmes, with USD list prices from $29 to $888. Reward terms depend on model: Standard weekly pays 60%, Pro weekly 80%, Flex models offer biweekly options, and Zero pays 95% biweekly. Eligible monthly accounts offer 100% with consistency, profitable-day and risk conditions. Compare the selected model’s loss limits, reset costs and refund exclusions. Platforms are MT5, cTrader and Match-Trader.

OVERALL SCORE
8.4
PROS
  • Five current programme choices
  • Static maximum loss on evaluation models
  • No evaluation deadline, subject to inactivity rules
  • Pro offers 80% weekly; eligible monthly accounts offer 100% with conditions
  • MT5, cTrader and Match-Trader
  • Standard registration fee refund at the fourth reward
CONS
  • Standard weekly pays 60%; rates differ across programmes
  • Monthly 100% requires consistency and profitable-day conditions
  • Master weekend holding restrictions on evaluation models
  • Reset fees and legacy-account rules require careful checking
  • Zero combines trailing drawdown, a 1% floating-loss limit and multiple reward gates
  • 1 Step Flex, Pro, Flex and Zero excluded from the fourth-reward registration refund

Firm Overview

Funding Pips is a proprietary trading firm operating through FundingPips Corp, registered in the Union of the Comoros (registration HY01223081, licence Bfx2024004), with an administrative address in Dubai (IFZA) and a support entity in Cyprus. Its disclosure states that, although licensed in Comoros, the company does not provide brokerage or live trading accounts through this service.

Per Funding Pips’ own disclosure, all accounts are demo accounts operating exclusively in a simulated trading environment. No trades are executed on live financial markets. You are paid real money on simulated performance. That is how most of this industry works, but it is worth knowing.

Maximum allocation is 400,000 USD, shared across all of your active accounts. Platforms are . Funding Pips is not available to residents of the UAE or Vietnam.

Profit Splits: When Does the 60% Rate Apply?

The 60% weekly rate applies to 2 Step Standard, not every Funding Pips account. Choosing a programme changes both the split and the conditions for requesting a reward.

Reward options by current programme
ProgrammeRegular reward cycleMonthly option
1 Step Flex85% biweekly100%, subject to eligibility
2 Step Standard60% weekly; 80% biweekly; 90% on demand100%, subject to eligibility
2 Step Pro80% weekly100%, subject to eligibility
2 Step Flex85% or 95% biweekly; 95% requires three profitable days per cycle100%, subject to eligibility
Zero95% biweekly, with Zero-specific reward gatesNot listed

The model help pages describe monthly eligibility for evaluation accounts purchased on or after 15 August 2026: a 30-day cycle, 35% consistency and seven profitable days of at least 0.5% each. Monthly accounts also carry a 1% Striking System warning trigger. It is therefore more than a longer wait. Standard on-demand rewards require 35% consistency and a 2% minimum reward.

Sources: Standard reward rules, Pro reward rules, 1 Step Flex and 2 Step Flex. Legacy accounts can retain different terms; use the rules attached to your account.

The Five Current Programmes, Compared

Evaluation requirements checked on 25 September 2026
Rule1 Step Flex2 Step Standard2 Step Pro2 Step FlexZero
Profit target12%8%, then 5%6%, then 6%10%, then 6%No evaluation
Daily loss3%5%3%4%3%
Maximum loss12% static10% static6% static12% static5% trailing
Minimum evaluation daysNone3 per phase2 per phase*1 per phase on 85%; 3 profitable days on 95%*No evaluation; ongoing profitable-day requirement
Fourth-reward registration refundNoYesNoNoNo

*New/reset Pro and Flex requirements took effect on 26 August 2026. Eligible older Pro accounts retain one day; eligible older Flex 85% accounts retain zero days. Do not confuse evaluation days with profitable days required for a reward.

The old 1 Step model is distinct from the currently priced 1 Step Flex. Prime is a separate progression route, not a sixth challenge column. Sources: the model pages in Official resources.

What It Actually Costs

List prices in USD, read from Funding Pips’ own account templates on 25 September 2026. Where the firm shows a strike-through price, the higher figure is used, because that is the list price and the lower one is a promotion. Discount codes are frequently available and are not applied here.


A 2,500 USD account exists in selected countries. The 200,000 USD size is only sold on 2 Step Pro and Zero. A swap-free account (MT5 only) adds 10% to the fee.

Reset costs: a worked 50K example

For the current evaluation models, a Phase 1 reset costs 85% of the purchase price; Phase 2 costs 90%. An eligible Master reset costs 93%, excluding accounts of $100K and above. The reset window is seven calendar days, including eligible inactivity breaches. Phase 2 and Master resets restart at Phase 1.

Illustrative cost using the displayed USD list price, excluding promotions and add-ons
50K programmeEntry feeOne Phase 1 resetEntry plus two Phase 1 resets
1 Step Flex$313$266.05$845.10
2 Step Standard$299$254.15$807.30
2 Step Pro$224$190.40$604.80

This is arithmetic, not an estimate of average attempts or a promise of funding. Actual reset charges depend on the purchase price and phase. The current refund policy returns the original Standard registration fee at the fourth reward; it excludes 1 Step Flex, Pro, Flex and Zero. Do not assume repeated reset spending is refunded.

Profit Concentration and Risk Rules

A concentrated evaluation win can add a reward requirement without failing the evaluation. For affected accounts, one trade idea exceeding 60% of the phase target triggers four profitable Master days before each reward, each earning at least 0.5% of starting balance. The two-step models specify $25K and above; 1 Step Flex specifies all sizes. Creation dates and phase transitions matter under the June 2026 policy.

Risk rules are model-specific. Pro removes its general Risk Per Trade Idea rule, but monthly Pro uses the 1% Striking System. 1 Step Flex also has a 1% warning trigger. Standard and 2 Step Flex retain their own size- and cycle-dependent limits. A warning system and a hard account breach are different consequences; read the selected model’s official rules before placing a trade.

FundingPips Zero: Read the Gates Before You Buy

Zero is instant funding with no evaluation and a 95% split, which sounds excellent. The rules underneath are the strictest on the site.

  • Max drawdown is 5% and it TRAILS your highest recorded equity. It never moves down. It locks permanently only once your equity is 5% above the starting size.
  • Max Open Risk Limit of 1% - your floating loss may never exceed 1% of starting size. This is a hard breach, and it can trigger with no closed trades at all.
  • News trading and weekend holds are hard breaches on every instrument.
  • No reset. Ever. Breach it and the money is gone.

And a reward on Zero requires four conditions simultaneously: a consistency score of 15% or better; 7 profitable days of at least 0.25% each per rolling 30 days; a 3% safety cushion (your first 3% of profit is not withdrawable); and your biggest losing day must not exceed your biggest winning day.

That is a demanding set of gates. Zero is not the easy route it appears to be.

Weekend Holding Is Currently Suspended

Since 29 January 2026, weekend holding has been suspended on Master (funded) accounts across all four standard models - 1 Step Flex, 2 Step Standard, 2 Step Flex and 2 Step Pro. Open trades are auto-closed by the system at Friday’s close. Helpfully, on those four models this is not treated as a hard breach.

Two qualifications. Weekend holds are still permitted during the evaluation phases - the suspension is funded-account-only. And on Zero, a weekend hold is a hard breach as a standing rule, not part of this temporary change.

Funding Pips still labels this restriction temporary. Check the current position before building a swing strategy around it.

Payouts

  • Your cycle starts from your first executed trade on the Master account - not from a calendar date.
  • Minimums: 1% of account size for crypto; 500 USD for Rise and bank transfer; card follows the 1% account-size minimum. On Demand requires 2%.
  • Methods: card (Visa/Mastercard), crypto (USDT/USDC on ERC-20), Rise, and bank transfer in selected regions. Card payouts can land within 30 minutes where your bank supports it.
  • Timing: 1-3 working days to process, plus 1-2 for funds to arrive. A Friday request begins processing on Monday.
  • You must close all trades and pending orders and wait 15 minutes after your last trade before requesting.
  • Crypto payouts carry deductions. Service, conversion and network costs can reduce the amount received.

You can also convert a reward directly into a new challenge, or move it to Tradin for a 30% trading credit bonus, instead of taking cash.

Trading Conditions

  • Instruments: forex, metals, energies, indices and crypto. No stocks or equities.
  • Commissions: 5 USD per lot on forex and metals. No commission on indices or energies. Crypto is 0.04%. Swap-free accounts (MT5) double forex and metals to 10 USD per lot.
  • Leverage: forex 1:100, metals 1:30, indices 1:20, energies 1:10, crypto 1:2. Swap-free roughly halves these - forex drops to 1:30. Crypto is currently reduced to 1:1 on Master accounts, and a dynamic leverage system has applied to metals, indices and energies on Master accounts since 16 March 2026.

Prime and Scaling

Prime has separate admission and trading terms. The official Prime guide describes entry by invitation or an unlock after the third reward, subject to profit requirements. The eligible post-split unlock amount is multiplied by 12.5, and the Master account closes when Prime opens.

Prime offers an 80% daily reward split, a 2% soft daily loss limit and 8% trailing maximum loss. Its rules allow news trading and weekend holding. Do not apply the challenge-model rules to Prime or assume progression is automatic.

How to Compare Funding Pips With Other Firms

Use our prop firm comparisons to compare the same account size and trading market. Check the actual reward cycle, static versus trailing loss limits, reset charges, refund exclusions and weekend permissions. A headline split alone cannot establish which programme costs less or suits your strategy.

Who Funding Pips Suits

Funding Pips offers a choice between one-phase, two-phase and instant-access simulated accounts. Pro has low entry prices but a tighter 6% maximum loss limit; Standard offers more reward-cycle choices; Flex models trade different targets and reward gates against wider loss limits. Choose the model whose rules fit your existing trading approach.

Monthly 100% is unsuitable as a simple cashflow assumption: the profitable-day and consistency conditions still apply. Swing traders should check Master-account weekend restrictions, while Zero users need to understand its trailing loss and reward gates.

View Funding Pips programmes through our referral link. JoinProp may earn a commission. Check the final offer and account terms before purchasing.

Frequently Asked Questions

What is the real profit split at Funding Pips?

It depends on both model and cycle. Standard weekly pays 60%, Pro weekly 80%, 1 Step Flex biweekly 85%, and Zero biweekly 95%. Eligible monthly evaluation models offer 100% with consistency, profitable-day and risk conditions.

Is the maximum drawdown trailing?

The current evaluation models use static maximum loss limits. Zero uses a 5% trailing limit; Prime has separate 8% trailing rules.

Can I hold positions over the weekend?

Current Master-account restrictions auto-close weekend positions on the evaluation models, while evaluation holding is permitted. Zero prohibits weekend holds as a hard breach. Prime has separate rules permitting them.

How much does a reset cost?

For current evaluation models, Phase 1 costs 85% of the purchase price and Phase 2 costs 90%. Eligible Master resets cost 93%, excluding $100K accounts and above. Resets must be taken within seven calendar days; Phase 2 and Master resets restart at Phase 1.

Do I get my challenge fee back?

The current reward-methods guide provides a refund of the original Standard registration fee at the fourth reward. It excludes 1 Step Flex, 2 Step Pro, 2 Step Flex and Zero.

Does a consistency rule close my account?

A reward consistency score generally controls eligibility to request rewards. It is distinct from loss limits and the Striking System, which can lead to account closure. Monthly rewards have a 35% consistency requirement; Zero has a 15% requirement.

Can I trade stocks?

Funding Pips lists forex, metals, energies, indices and crypto. Individual stocks are not listed.


Official resources and pricing

Official sources checked for this update:

Prices and rules change often. Check these pages before buying.

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