# FundingPips: Complete Overview, Rules & Programs (2026)

> FundingPips complete overview: Zero / 1 Step Flex / Two-Step / 2 Step Flex / Two-Step Pro programs, up to 100% reward split, $210M+ paid, 2M+ traders, Trustpilot 4.5/5 (67,682+ reviews), MT5/cTrader/MatchTrader. Verified April 2026.

**Source:** https://propfirmito.com/fundingpips/  
**Last modified:** 2026-10-22

_Propfirmito may earn a commission, at no additional cost to you, when you sign up through our links. Our scoring remains independent. [Full disclosure ›](https://propfirmito.com/affiliate-disclosure/)_

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![FundingPips logo](https://propfirmito.com/wp-content/uploads/2026/03/funding-pips.jpeg)

# FundingPips Review 2026 (Funding Pips)

Founded

2022

HQ

🇦🇪 UAE (Dubai)

Trustpilot

4.5 / 5

Markets

FX / Metals / Indices / Energy / Crypto

Platforms

MT5 / cTrader / MatchTrader / TradeLocker

82.3/100 · A−

10%

OFF

Tap the code to copy, then paste it at Funding Pips checkout:

22E33B70 Copy

Verified live · today, October 22, 2026 · works on all plans, no expiry

[Claim 10% OFF at Funding Pips →](https://app.fundingpips.com/register?ref=22E33B70)

[Overview](#sec-fundingpips-at-a-glance) [Programs 4](#sec-programs-offered) [Pricing](#sec-fundingpips-pricing-matrix) [Rules](#sec-trading-rules-at-a-glance) [Rewards](#sec-reward-system) [FAQ 24](#sec-frequently-asked-questions)

[Firm Overview](#sec-fundingpips-at-a-glance) [Who Is FundingPips](#sec-who-is-fundingpips) [Programs](#sec-programs-offered) [Pricing](#sec-fundingpips-pricing-matrix) [Rules](#sec-trading-rules-at-a-glance) [Platforms](#sec-trading-platforms) [Markets & Leverage](#sec-approved-markets) [Commissions](#sec-commission-structure) [Reward System](#sec-reward-system) [IP Rule](#sec-ip-rule) [Forbidden Strategies](#sec-forbidden-strategies) [Inactivity](#sec-inactivity-policy) [Community](#sec-community-support) [FAQ](#sec-frequently-asked-questions) [Verdict](#sec-propfirmitos-verdict)

🏷️ **[Funding Pips discount code](/funding-pips-discount/)** — use 22E33B70 for 10% off (new users) or 5% off (existing users).

## FundingPips At a Glance

- **Brand:** FundingPips (global simulated prop trading firm)
- **HQ:** United Arab Emirates (Dubai)
- **Founded:** 2022 (founder / CEO: [Khaled Ayesh](https://ae.linkedin.com/in/khaled-ayesh-43676528a) )
- **Community:** 3,000,000+ traders in 195+ countries
- **Trustpilot:** 4.5/5 across 67,682+ reviews (“Excellent”, verified September 2026)
- **Payouts paid:** $271M+ to traders since inception
- **Programs:** 5 models — Zero (instant Master), 1 Step Flex, Two-Step (standard), 2 Step Flex, Two-Step Pro
- **Account sizes:** $5K, $10K, $25K, $50K, $100K, plus $200K on Zero and Two-Step Pro (scaling up to $300K)
- **Reward splits:** 60% (weekly) / 80% (bi-weekly) / 90% (on-demand, 35% consistency) / **100% (monthly)** on Two-Step; 85% (bi-weekly) on 1 Step Flex and 2 Step Flex; 95% (bi-weekly) on Zero; 80% (weekly or daily) on Two-Step Pro
- **Markets:** Forex, Metals, Indices, Energies, Crypto
- **Platforms:** MT5, cTrader, MatchTrader, TradeLocker
- **Leverage:** Forex 1:100 (Two-Step / Two-Step Pro), 1:50 (Zero); 1 Step Flex and 2 Step Flex leverage not re-verified this pass. Dynamic tiered leverage currently applied on Master accounts for metals, indices and energies.
- **Discount code:** FundingPips's on-site banner offers code `HELLO` (20% OFF first purchase). **The Propfirmito code `22E33B70` gives 10% OFF to new users and 5% OFF to existing users** at checkout — use the referral link for automatic tracking and apply the code at the “Referral code” field on the sign-up form.
- **Support:** 24/7 multi-language (help.fundingpips.com + Discord)
- **Zero Reward Denial Policy:** FundingPips publicly commits to paying every earned reward (no arbitrary denials)
- **Propfirmito rating:** 82.3/100 · A−

## Who Is FundingPips?

**FundingPips** is a global simulated-trading prop firm founded in 2022 and headquartered in the UAE. It operates as one of the largest retail prop firms in the world by active trader count: **3,000,000+ registered traders across 195+ countries**, with cumulative payouts of **$271M+** as of June 2026. The firm is led by founder/CEO [Khaled Ayesh](https://ae.linkedin.com/in/khaled-ayesh-43676528a) with a leadership team spanning operations, risk, and product (Erkan Yilmaz, Aditya Bhimesha, Lailayan Almasri, Mahmoud Makahleh, Jafar Shahin and others per the [About Us](https://fundingpips.com/about-us) page).

FundingPips offers **five distinct evaluation models**: **Zero** (instant Master account with no evaluation), **1 Step Flex** (single-phase evaluation, 12% target, no minimum days), **Two-Step** (the industry-standard Student + Practitioner phases), **2 Step Flex** (two phases with a 12% static drawdown), and **Two-Step Pro** (faster targets with optional daily-reward unlock). All roads lead to a Master Account where traders earn performance-based rewards split up to **100%** on the monthly reward cycle.

Key trust signals: a 4.5/5 Trustpilot rating (Excellent) across 67,682+ reviews, a publicly-stated “zero reward denial” policy, 24/7 multilingual support, and an active Discord community. FundingPips runs its own in-dashboard news calendar (sourced from Forex Factory) and enforces a transparent IP-region consistency policy to prevent account-sharing abuse.

## Programs Offered: Zero vs 1 Step Flex vs Two-Step vs 2 Step Flex vs Two-Step Pro

FundingPips offers five programs, each with a different risk/reward profile. All end in a Master Account. The Master Account rules for *risk per trade*, *inactivity*, and *reward cycles* are broadly shared across programs; the *evaluation* stage and *max drawdown* differ significantly. Line-up, prices and evaluation rules below were read from the fundingpips.com checkout templates on 4 September 2026 (the earlier single-phase model has been replaced by 1 Step Flex; 2 Step Flex is new).

| Feature | Zero | 1 Step Flex | Two-Step | 2 Step Flex | Two-Step Pro |
| --- | --- | --- | --- | --- | --- |
| **Type** | Instant Master | 1 phase | 2 phases | 2 phases | 2 phases |
| **Profit target (P1/P2)** | N/A | 12% | 8% / 5% | 10% / 6% | 6% / 6% |
| **Min trading days** | N/A (Master) | None | 3 / 3 days (none with the 3% daily-loss add-on) | 1 / 1 day | 2 / 2 days |
| **Max Daily Loss** | 3% (higher of bal/eq) | 3% | 3% or 5% (by configuration) | 4% | 3% |
| **Max Overall Loss** | 5% trailing (locks at 5% profit) | 12% static | 10% static | 12% static | 6% static |
| **Max Risk Per Trade (Master)** | 3% (<$50K) / 2% ($50K+) | 3% / 2% | 3% / 2% | 3% / 2% | 3% / 2% |
| **Consistency (Master)** | 15% | None | None (35% if On-Demand) | Not re-verified this pass | None (35% if Daily Rewards) |
| **Min profitable days (Master)** | 7 per 30 days | N/A | N/A | N/A | N/A |
| **Forex leverage** | 1:50 std (1:30 swap-free) | Not re-verified this pass | 1:100 | Not re-verified this pass | 1:100 std (1:30 swap-free) |
| **Weekend holding** | ✗ Prohibited | ✓ Evaluation · Master: only with Swing add-on | ✓ Evaluation · Master: only with Swing add-on | ✓ Evaluation · Master: only with Swing add-on | ✓ Evaluation · Master: only with Swing add-on |
| **News trading (Master)** | ✗ Prohibited (10 min before/after) | Restricted (5 min each side) | Restricted (5 min each side) | Restricted (5 min each side) | Restricted (5 min each side) |
| **Reward splits** | Bi-weekly 95% | Bi-weekly 85% | 60% / 80% / 90% / 100% | Bi-weekly 85% | Weekly 80% or Daily 80% |
| **Forex commission** | $7/lot std ($10 swap-free) | Not re-verified this pass | $5/lot std ($10 swap-free) | Not re-verified this pass | $5/lot std ($10 swap-free) |
| **Account sizes** | $5K–$200K | $5K–$100K | $5K–$100K | $5K–$100K | $5K–$200K |
| **List price ($10K)** | $88 | $99 | $66 | $59 | $55 |
| **Best suited for** | Skipping the eval (instant capital, stricter rules) | Single-phase pass with no minimum days and no consistency rule | Standard model with best flexibility + highest reward (100% monthly) | More room for drawdown (12% static), 1 min day per phase | Lower targets + faster passing, daily reward unlock |

## Pricing Matrix (Verified September 2026)

FundingPips builds its price in the checkout widget. The list prices below are the checkout template prices for **every model** (MT5 / Match-Trader; cTrader adds $20, TradeLocker $5, the swap-free add-on about 10%), read from [fundingpips.com](https://fundingpips.com) on 4 September 2026. Use Propfirmito's exclusive code `22E33B70` at checkout for **10% OFF** any challenge as a new user (5% for existing users). The on-site banner code `HELLO` gives 20% off a first challenge but **excludes $100K accounts**; codes do not stack.

### Two-Step (standard)

| Account Size | List Price | With 22E33B70 (new users, 10% OFF) | Targets (P1 / P2) | Max Daily Loss | Max Overall Loss | Min days | Reward cycle |
| --- | --- | --- | --- | --- | --- | --- | --- |
| **$5K** | $36 | **$32.40** | 8% / 5% | 5% | 10% static | 3 / phase | Weekly 60% up to Monthly 100% |
| **$10K** | $66 | **$59.40** | 8% / 5% | 5% | 10% static | 3 / phase | Weekly 60% up to Monthly 100% |
| **$25K** | $177 | **$159.30** | 8% / 5% | 5% | 10% static | 3 / phase | Weekly 60% up to Monthly 100% |
| **$50K** | $299 | **$269.10** | 8% / 5% | 5% | 10% static | 3 / phase | Weekly 60% up to Monthly 100% |
| **$100K** | $522 | **$469.80** | 8% / 5% | 5% | 10% static | 3 / phase | Weekly 60% up to Monthly 100% |

### Two-Step Pro

| Account Size | List Price | With 22E33B70 (new users, 10% OFF) | Targets (P1 / P2) | Max Daily Loss | Max Overall Loss | Min days | Reward cycle |
| --- | --- | --- | --- | --- | --- | --- | --- |
| **$5K** | $29 | **$26.10** | 6% / 6% | 3% | 6% static | 2 / phase | Weekly 80% or Daily 80% |
| **$10K** | $55 | **$49.50** | 6% / 6% | 3% | 6% static | 2 / phase | Weekly 80% or Daily 80% |
| **$25K** | $134 | **$120.60** | 6% / 6% | 3% | 6% static | 2 / phase | Weekly 80% or Daily 80% |
| **$50K** | $224 | **$201.60** | 6% / 6% | 3% | 6% static | 2 / phase | Weekly 80% or Daily 80% |
| **$100K** | $422 | **$379.80** | 6% / 6% | 3% | 6% static | 2 / phase | Weekly 80% or Daily 80% |
| **$200K** | $844 | **$759.60** | 6% / 6% | 3% | 6% static | 2 / phase | Weekly 80% or Daily 80% |

### 2 Step Flex (new)

| Account Size | List Price | With 22E33B70 (new users, 10% OFF) | Targets (P1 / P2) | Max Daily Loss | Max Overall Loss | Min days | Reward cycle |
| --- | --- | --- | --- | --- | --- | --- | --- |
| **$5K** | $32 | **$28.80** | 10% / 6% | 4% | 12% static | 1 / phase | Bi-weekly 85% |
| **$10K** | $59 | **$53.10** | 10% / 6% | 4% | 12% static | 1 / phase | Bi-weekly 85% |
| **$25K** | $159 | **$143.10** | 10% / 6% | 4% | 12% static | 1 / phase | Bi-weekly 85% |
| **$50K** | $269 | **$242.10** | 10% / 6% | 4% | 12% static | 1 / phase | Bi-weekly 85% |
| **$100K** | $499 | **$449.10** | 10% / 6% | 4% | 12% static | 1 / phase | Bi-weekly 85% |

### 1 Step Flex (new, single phase)

| Account Size | List Price | With 22E33B70 (new users, 10% OFF) | Target | Max Daily Loss | Max Overall Loss | Min days | Reward cycle |
| --- | --- | --- | --- | --- | --- | --- | --- |
| **$5K** | $66 | **$59.40** | 12% | 3% | 12% static | None | Bi-weekly 85% |
| **$10K** | $99 | **$89.10** | 12% | 3% | 12% static | None | Bi-weekly 85% |
| **$25K** | $211 | **$189.90** | 12% | 3% | 12% static | None | Bi-weekly 85% |
| **$50K** | $313 | **$281.70** | 12% | 3% | 12% static | None | Bi-weekly 85% |
| **$100K** | $533 | **$479.70** | 12% | 3% | 12% static | None | Bi-weekly 85% |

### Zero (instant Master, no evaluation)

| Account Size | List Price | With 22E33B70 (new users, 10% OFF) | Target | Max Daily Loss | Max Overall Loss | Consistency | Reward cycle |
| --- | --- | --- | --- | --- | --- | --- | --- |
| **$5K** | $60 | **$54** | None | 3% | 5% trailing | 15% + 7 profitable days | Bi-weekly 95% |
| **$10K** | $88 | **$79.20** | None | 3% | 5% trailing | 15% + 7 profitable days | Bi-weekly 95% |
| **$25K** | $188 | **$169.20** | None | 3% | 5% trailing | 15% + 7 profitable days | Bi-weekly 95% |
| **$50K** | $244 | **$219.60** | None | 3% | 5% trailing | 15% + 7 profitable days | Bi-weekly 95% |
| **$100K** | $444 | **$399.60** | None | 3% | 5% trailing | 15% + 7 profitable days | Bi-weekly 95% |
| **$200K** | $888 | **$799.20** | None | 3% | 5% trailing | 15% + 7 profitable days | Bi-weekly 95% |

*Cheapest entry: the $5K Two-Step Pro at $29 list ($26.10 with the code). $200K accounts exist only on Zero ($888) and Two-Step Pro ($844). On 4 September 2026 the $100K cards showed struck-through “was” prices (1 Step Flex $569, Two-Step $544, 2 Step Flex $555) — the figures above are the current selling prices before any code. The 10% profit-target variant of the Two-Step is no longer offered (retired 24 July 2026).*

## Trading Rules at a Glance

### Trading Rules Matrix

| Rule | Status | Detail |
| --- | --- | --- |
| **Drawdown type** | Static + trailing (Zero only) | Standard models use static drawdown calculated from initial account size. Zero uses a 5% trailing drawdown based on the highest recorded equity until 5% profit is reached. |
| **Daily loss reset** | 00:00 UTC+3 | Daily Loss Limit resets at midnight platform time (UTC+3 / server time). Dashboard shows the reset countdown. |
| **Risk per trade (Master)** | 3% / 2% | 3% of initial account size on accounts below $50K; 2% on $50K and above. Applies to single trades, split trades, and re-entries within 10 min of closing a losing trade in the same direction. |
| **News trading (Evaluation)** | ✓ Allowed | No restrictions on trading news during evaluation on 1 Step Flex, Two-Step, 2 Step Flex, Two-Step Pro. Prohibited on Zero. |
| **News trading (Master)** | Restricted (soft breach) | Cannot open or close positions in a 10-minute window (5 min before / 5 min after) high-impact news events. Trades opened 5+ hours before the event are exempt. Profits from restricted-window trades are deducted, not an account kill. |
| **News trading (Zero)** | ✗ Prohibited (hard breach) | Zero accounts: trading within 10 min before/after high-impact news = account termination. |
| **Weekend holding** | Mixed | Allowed during evaluation on 1 Step Flex, Two-Step, 2 Step Flex and Two-Step Pro; **not allowed on Master accounts unless you buy the Swing add-on** (without it, open trades are auto-closed by the system before the weekend, soft breach) and always prohibited on Zero. |
| **Minimum profitable days (Zero)** | 7 per 30 days | Zero Master accounts require at least 7 days with ≥ 0.25% daily profit per 30-day cycle. |
| **Inactivity** | 30 days | Must open AND close at least one trade every 30 days. Account suspension (1 Step Flex, Two-Step, 2 Step Flex, Two-Step Pro) or breach (Zero) otherwise. |
| **20-lot per-click cap** | Hard limit | Platform-enforced: maximum 20 lots in a single click/order regardless of margin. Protects against fat-finger errors in volatile markets. |
| **Swap-Free add-on** | Optional at checkout | MT5 only. Removes swap fees on Forex and Metals. Reduces leverage and increases commission (FX: $10/lot vs $5 std). |

## Trading Platforms

| Platform | Type | Notes |
| --- | --- | --- |
| **MetaTrader 5 (MT5)** | Desktop + Mobile + Web | Full-featured institutional platform. Swap-Free add-on is MT5-only. FX commission: $7/lot on Zero, $5/lot on other models. |
| **cTrader** | Desktop + Mobile + Web | ECN-style interface with Level II depth. Available across all four programs. |
| **MatchTrader** | Web + Mobile | Modern web-first platform with TradingView charts integrated. Popular with mobile-first traders. |

*Platform choice is made at checkout. All platforms share the same account rules and reward cycles. Temporary browser-only MT5 terminal at [mt5.fundingpips.com](https://mt5.fundingpips.com/terminal/) .*

## Approved Markets & Leverage

| Asset class | Zero (std) | 1 Step Flex (not re-verified this pass) | Two-Step | Two-Step Pro (std) |
| --- | --- | --- | --- | --- |
| **Forex** | 1:50 | 1:30 | 1:100 | 1:100 |
| **Metals** | 1:20 | 1:10 | 1:30 | 1:30 |
| **Indices** | 1:20 | 1:5 | 1:20 | 1:20 |
| **Energies** | 1:10 | 1:10 | 1:10 | 1:10 |
| **Crypto** | 1:2 | 1:1 | 1:2 | 1:2 |

### Temporary Dynamic Leverage (Master Accounts, since March 16 2026)

Applied on metals, indices, and energies across all Master Accounts. Each lot-size tier has its own leverage, calculated cumulatively per position:

| Lot Size | Leverage |
| --- | --- |
| 0.00 – 0.05 lots | 1:50 |
| 0.05 – 0.10 lots | 1:30 |
| 0.10 – 0.15 lots | 1:25 |
| 0.15 – 0.25 lots | 1:20 |
| 0.25 – 0.50 lots | 1:10 |
| 0.50+ lots | 1:5 (base rate) |

*The first 0.05 lots of any position gets 1:50 leverage; above that, each additional portion steps progressively down. You always benefit from the lower (more generous) tiers on the first portions of your position. Forex and Crypto are NOT on the dynamic leverage schedule — they stay at the per-model fixed rates above.*

## Commission Structure

| Instrument | Standard Account | Swap-Free Add-on (MT5 only) |
| --- | --- | --- |
| **Forex** | $5/lot (Two-Step, Two-Step Pro; Flex models not re-verified this pass) or $7/lot (Zero) | $10/lot |
| **Metals** | $5/lot (or $7/lot Zero) | $10/lot |
| **Energies** | No commission | No commission |
| **Indices** | No commission | No commission |
| **Crypto** | 0.04% per lot | 0.04% per lot |

*Crypto commission formula: Lot size × crypto price × 0.04%. Example: 1 lot of ETH/USD at $2,600 → $1.04 commission.*

## Reward System

FundingPips offers multiple reward cycles — the split percentage scales with how long you wait between requests. The headline **100% split** (Monthly cycle) and **Zero Reward Denial Policy** are the firm's two strongest marketing claims.

### Reward Cycles (Two-Step Master Accounts)

| Cycle | Split | Request frequency | Minimum reward | Consistency rule |
| --- | --- | --- | --- | --- |
| **Weekly** | 60% | Every 7 calendar days after first trade | 1% of initial balance | None |
| **Bi-Weekly** | 80% | Every 14 calendar days | 1% | None |
| **On-Demand** | **90%** | Anytime (after first trade) | 2% | **35% consistency score** required |
| **Monthly** | **100%** | Every 30 calendar days | 1% | None |

### Zero Master Account (different cycle)

Zero accounts only offer **Bi-Weekly 95% split**. Requires: 15% consistency score + 7 profitable days + 3% safety cushion (first 3% profit reserved) + biggest loss cannot exceed biggest win.

### Two-Step Pro (Weekly or Daily)

Two-Step Pro offers Weekly 80% split (every 7 days) OR Daily 80% split (once per day). Choosing Daily adds a 35% consistency rule to Student and Practitioner phases (not the Master). No consistency rules on Weekly.

### How reward requests work

- All cycles based on **calendar days**, not trading days.
- Rewards can be requested only AFTER first executed trade on the Master account.
- Transfers subject to exchange rates + third-party fees.
- KYC verification required before first reward.
- Payment methods: bank transfer, Rise, crypto, and additional regional options (see [Choose Your Payment Method](https://help.fundingpips.com/en/articles/10383481-choose-your-payment-method) ).
- **Zero Reward Denial Policy:** FundingPips publicly commits to paying every earned reward. If you follow all rules the reward WILL be paid.

## IP Rule & Location Consistency

FundingPips tracks the IP region used to register and trade. Consistency is enforced by a Responsible Trading Team.

| Scenario | Status | What you need |
| --- | --- | --- |
| Trading from home (same region) | ✓ Allowed | Nothing |
| Travel (different region) | ✓ Allowed | May be asked for proof: plane ticket, passport stamp, or live video |
| VPS | ✓ Allowed | Proof of ownership (invoice in your name) + optionally static IP for whitelisting |
| VPN | ✓ Allowed with proof | Same as VPS (ownership + static IP preferred) |
| Multiple ISPs (same region) | ✓ Allowed | May be asked for proof on region change |
| Multiple devices (same city) | ✓ Allowed | Nothing |
| Account sharing / unauthorised access | ✗ Prohibited | — account termination |

## Forbidden Strategies

The following are **banned** on all FundingPips accounts and lead to account termination + reward forfeiture:

- ✗ **Gap trading** and **high-frequency trading (HFT)**
- ✗ **Server spamming** and **latency arbitrage**
- ✗ **Toxic trading flow**
- ✗ **Hedging** (within and across accounts)
- ✗ **Long-short arbitrage** and **reverse arbitrage**
- ✗ **Tick scalping**
- ✗ **Server execution exploitation**
- ✗ **Opposite account trading** (taking mirrored trades across two accounts)
- ✗ **Churning and burning**
- ✗ **Copy trading** with other traders
- ✗ **Third-party account management**
- ✗ **Third-party Expert Advisors** (except trade/risk managers, which ARE allowed)

*Full policy: [What are the Forbidden Strategies?](https://help.fundingpips.com/en/articles/8536000-what-are-the-forbidden-strategies) — FundingPips Help Center.*

## Inactivity Policy

Accounts must have at least one completed (open + close) trade per **30 calendar days**. Consequences differ per program:

- **Zero:** Account **breached** (closed).
- **1 Step Flex / Two-Step / 2 Step Flex / Two-Step Pro:** Account **suspended**. Can be reactivated by contacting support but cycle may reset.

## Community & Support

| **Community** | 3,000,000+ traders across 195+ countries |
| --- | --- |
| **Discord** | [discord.com/invite/fundingpips](https://discord.com/invite/fundingpips) (large active server) |
| **Trustpilot** | [4.5 / 5 from 67,682+ reviews](https://www.trustpilot.com/review/fundingpips.com) (“Excellent”) |
| **Help Center** | [help.fundingpips.com](https://help.fundingpips.com/en) |
| **Support channels** | 24/7 live chat (in-dashboard), email, Discord, in-help-center messenger |
| **Languages** | English (primary), Arabic, French, German, Hindi, Italian, Portuguese, Spanish, Dutch, Ukrainian (site localization) |
| **Blog** | [fundingpips.com/blog](https://fundingpips.com/blog) (market updates, trading guides) |

## Frequently Asked Questions About FundingPips

All 24 questions below are sourced from the [FundingPips Help Center](https://help.fundingpips.com/en) , [Trading Objectives page](https://fundingpips.com/trading-objectives) , and [About Us page](https://fundingpips.com/about-us) (verified October 2026).

### What is FundingPips and how does it work?

FundingPips is a simulated-trading prop firm founded in 2022 and headquartered in the UAE. You pay a one-time evaluation fee, trade a simulated account to hit a profit target (varying by program), and become eligible for a Master Account with a performance-fee split up to 100% (Monthly cycle). Markets: Forex, Metals, Indices, Energies, Crypto. Platforms: MT5, cTrader, MatchTrader.

### What programs does FundingPips offer?

Five: **Zero** (instant Master, no evaluation), **1 Step Flex** (1 phase, 12% target, no minimum days), **Two-Step** (standard: 8%/5% targets), **2 Step Flex** (10%/6% targets, 12% static drawdown), and **Two-Step Pro** (6%/6% targets, 2 min days per phase, optional daily rewards). All lead to a Master Account paying rewards up to 100% split.

### What’s the difference between Two-Step and Two-Step Pro?

Two-Step: 8%/5% targets, 3 min trading days each phase (none if you select the 3% daily-loss add-on), 3% or 5% max daily loss depending on the configuration you buy, 10% max overall loss, Forex leverage 1:100. Two-Step Pro: 6%/6% targets, 2 min days each (faster pass), 3% max daily loss, 6% max overall loss, Forex leverage 1:100. Pro also unlocks optional Daily Rewards (80% split) with a 35% consistency rule on evaluation phases.

### How does the Zero (instant) account work?

Skip the evaluation entirely and go straight to a Master Account. Rules are stricter: 3% daily loss, 5% trailing drawdown (based on highest equity), 1% max floating PnL risk limit, 15% consistency score, and 7 profitable days per 30-day cycle. Rewards paid bi-weekly at 95% split. News trading and weekend holding are prohibited.

### What is the profit split on FundingPips?

Varies by program and reward cycle. Two-Step: up to **100% on Monthly** cycle, 90% on-demand (35% consistency), 80% bi-weekly, 60% weekly. Zero: 95% bi-weekly. 1 Step Flex / 2 Step Flex: 85% bi-weekly. Two-Step Pro: 80% weekly or 80% daily.

### When can I request a reward?

After your first executed trade on the Master Account. Minimum 1% of initial balance (2% for on-demand). Then follow the cycle you chose at checkout (Weekly / Bi-Weekly / On-Demand / Monthly or Daily for Pro).

### What is the Zero Reward Denial Policy?

FundingPips publicly commits to paying every earned reward. If you trade within the rules, the reward will NOT be denied. This is one of their strongest marketing claims.

### What are the max daily loss and max overall loss?

Two-Step: 3% or 5% daily (by purchased configuration) / 10% overall. 1 Step Flex: 3% daily / 12% overall. 2 Step Flex: 4% daily / 12% overall. Two-Step Pro: 3% daily / 6% overall. Zero: 3% daily / 5% trailing drawdown + 1% floating risk limit.

### What is the Risk Per Trade Idea rule?

On Master Accounts: 3% of initial account size for accounts under $50K ($5K, $10K, $25K), 2% for $50K and above. Applied to single trades, split trades, and re-entries in the same direction within 10 minutes after a losing trade. Hard breach if exceeded.

### What is the leverage on FundingPips?

Two-Step / Two-Step Pro: Forex 1:100, Metals 1:30, Indices 1:20, Energies 1:10, Crypto 1:2. 1 Step Flex / 2 Step Flex: leverage not re-verified this pass. Zero: Forex 1:50, Metals 1:20, Indices 1:20, Energies 1:10, Crypto 1:2. Since March 16 2026, a temporary **Dynamic Leverage** is applied on metals/indices/energies for Master Accounts.

### What platforms does FundingPips support?

MetaTrader 5 (MT5), cTrader, and MatchTrader. You pick at checkout. All platforms share the same rules and reward cycles.

### What is the Swap-Free add-on?

Available for MT5 accounts only. Removes swap (interest) fees on Forex and Metals positions held overnight. Adds $5/lot commission on FX and Metals ($10 vs $5 standard) and reduces leverage (Forex drops to 1:30). Energies, Indices, and Crypto still accrue standard swap charges.

### Are EAs / bots allowed?

Third-party EAs are **prohibited** except for trade/risk managers (which are allowed). Custom EAs that implement prohibited strategies (HFT, latency arbitrage, etc.) will also lead to account closure.

### Is copy trading allowed?

Only between your own accounts. Copying trades between your own FundingPips accounts (registered under the same person) is permitted, and you may use a FundingPips account as the master to copy to an external account — FundingPips even provides its own Copy Trader tool. Copying between accounts owned by different users, copying trades into a FundingPips account from an external source, and third-party account management are prohibited.

### Is news trading allowed?

Evaluation stage (1 Step Flex / Two-Step / 2 Step Flex / Two-Step Pro): allowed, no restrictions. Master Account: restricted — cannot open/close positions 5 min before or 5 min after high-impact red-folder news events. Zero: news trading is **prohibited** (10-minute blackout each side; hard breach). Forex Factory is the official news source.

### Is weekend holding allowed?

Evaluation phases on 1 Step Flex, Two-Step, 2 Step Flex and Two-Step Pro: yes. Master accounts on all four: **not allowed** unless you have the paid Swing add-on. Zero: prohibited. Without the add-on, open positions are auto-closed by the system before the weekend (soft breach on the challenge models, hard breach on Zero).

### What is the IP rule?

The IP region you register and trade from must remain consistent. Traveling is allowed (may need proof: plane ticket, passport stamp, or live video). VPN/VPS are allowed with proof of ownership; static IPs can be whitelisted. Account sharing is prohibited. Full rules: [IP rule article](https://help.fundingpips.com/en/articles/8535886-what-is-the-ip-rule) .

### What strategies are forbidden?

Gap trading, HFT, server spamming, latency arbitrage, toxic trading flow, hedging, long-short arbitrage, reverse arbitrage, tick scalping, server execution exploitation, opposite account trading, churning and burning, copy trading with others, third-party account management, and third-party EAs (except trade/risk managers).

### What is the 20-lot per-click cap?

A platform-level limit: you cannot open more than 20 lots in a single click / market order. Protects against fat-finger errors in volatile markets. You can still build larger positions across multiple orders within your margin/leverage limits.

### Is there an inactivity policy?

Yes. You must open AND close at least one trade every 30 calendar days. 1 Step Flex/Two-Step/2 Step Flex/Two-Step Pro: account suspended (reactivatable via support). Zero: account breached (closed permanently).

### What is the consistency score?

Applies only to Zero (15%) and On-Demand rewards on Two-Step (35%) and Daily Rewards on Two-Step Pro (35% during eval). Formula: Biggest winning day / Total account profit × 100. Keeping this below the threshold means no single day dominates your profit.

### How do I request a payout?

After your first Master Account trade, go to Dashboard → Rewards, pick the cycle you chose at checkout, complete KYC (if not done), and select your payment method (bank transfer, Rise, crypto, or regional options). Minimum: 1% of initial balance (2% for on-demand).

### How much does FundingPips cost?

Two-Step (standard) list pricing (before discount, September 2026): $5K → $36, $10K → $66, $25K → $177, $50K → $299, $100K → $522. Two-Step Pro is the cheapest entry ($29 at $5K, $844 at $200K); 2 Step Flex runs $32–$499, 1 Step Flex $66–$533 and Zero $60–$888. Code 22E33B70 takes 10% OFF at checkout for new users and 5% for existing users (site promos do not stack).

### How do I contact FundingPips support?

24/7 multilingual support via in-dashboard chat, Discord ([discord.com/invite/fundingpips](https://discord.com/invite/fundingpips) ), or the Help Center at [help.fundingpips.com](https://help.fundingpips.com/en) . They also have a contact form at [fundingpips.com/contact](https://fundingpips.com/contact) .

## Propfirmito’s Verdict on FundingPips

**Propfirmito rating: 82.3/100 · A−.** FundingPips is the largest retail prop firm on our tracker by active trader count (3M+), with best-in-class reward splits (up to 100% on Monthly cycle) and a publicly-stated zero-denial policy that is well documented by the 52K+ Trustpilot reviews. Four distinct evaluation models let you pick whatever risk/reward you want.

**Six-pillar breakdown (0–100):** Trust & Legitimacy 96 · Cost 65.3 · Conditions 62.8 · Passability 95.7 · Payouts 97.8 · Access 100 — see the [full score report](/rank/funding-pips/) .

- **Reward Reliability :** $271M+ paid to 3M+ traders across 4 years, publicly committed zero-denial policy, multiple payment methods. Trustpilot 4.5/5 across 52K+ reviews corroborates. Slight deduction for the 1-star tail (8% of reviews, typical for high-volume prop firms with strict rules).
- **Challenge Cost-Effectiveness :** $29 Two-Step Pro $5K (before discount), $26.10 with Propfirmito's new-user 10% OFF code 22E33B70; the standard Two-Step is $36 → $32.40. Price ladder goes to $100K for $522 list / $469.80 net on Two-Step, and to $200K on Zero and Two-Step Pro. Swap-Free and pricing-variant add-ons are cleanly separated at checkout. Slight deduction for pricing opacity on Zero/Pro variants.
- **Rules & Flexibility :** Four different program structures is genuinely useful. High Forex leverage (1:100) on Two-Step. Unlimited evaluation time. Soft-breach news-trading rules mean a mis-timed news trade costs you the profits, not the account (except on Zero). Deducted for the strict Risk-Per-Trade-Idea rule, the 20-lot click cap, and the Master-account weekend-holding ban (lifted only with the paid Swing add-on).
- **Support Quality :** 24/7 multi-language chat, active Discord, dense Help Center, weekly blog, 10+ language site localization. 195+ countries supported. Slight deduction because response quality varies under peak load.

### Best For

- Traders wanting the maximum profit split (**100% on Monthly cycle**) with no consistency rule
- Beginners who want a low entry: $29 / $5K Two-Step Pro (even $26.10 with code 22E33B70 — Propfirmito's 10% OFF for new users)
- Traders who want genuine optionality — 5 distinct eval models covering instant-funded through strict 2-phase
- Swing traders who hold over weekends during evaluation (allowed on all four challenge models; Master accounts only with the Swing add-on)
- Forex-focused traders wanting 1:100 leverage and unlimited time
- Crypto, Indices, and Energy traders (all supported across all programs)
- Traders in regions where bank transfers are slow — Rise and crypto payment options shine here

### Not Ideal For

- Futures traders — FundingPips is CFD-only (Forex/Metals/Indices/Energies/Crypto). For futures, use Lucid Trading, FXIFY Futures, or similar.
- HFT / tick-scalping / latency-arbitrage strategies (hard breach)
- Traders who rely on hedging across accounts (hard breach)
- Traders who use third-party signal-copying services (prohibited)
- Traders wanting weekend holding on funded Master accounts without paying for the Swing add-on (never allowed on Zero)
- Traders who want a static IP-free policy — FundingPips tracks IP regions and may ask for proof

*All data on this page is sourced from FundingPips' official website (fundingpips.com, help.fundingpips.com) and Trustpilot as of **October 2026**. Last verified via live scrape by Propfirmito: April 20, 2026. For how we rate prop firms, see our [methodology](/our-methodology/) . To claim the discount and sign up, see our [FundingPips offer page](/propfirm_offer/funding-pips/) . To compare FundingPips against other prop firms, see our [best offers page](/best-offers/) .*