Funding Pips Review
VerifiedEst. 2022 · AE · 172,000+ Discord members
Our Verdict: 62/100
Funding Pips scored 62/100 overall in our review, with average or below-average ratings across every key category. The prop trading firm offers four challenge models — Zero, 1-Step, 2-Step, and 2-Step Pro — each with different drawdown limits and rules. Reward splits depend on the payout cycle selected: Weekly 60%, Bi-weekly 80%, On-Demand 90%, or Monthly 100%. However, this variety is offset by ever-changing limited time models and stricter risk rules introduced only after traders are funded.
BPF Score
Trustpilot: 4.5/5
★ (43,000)
From $29
Challenge Types
zero, 1-step, 2-step, 2-step-pro
Profit Split
100%
Challenge Fees
Starting from $29
Trading Platforms
MetaTrader 5, cTrader, Match-Trader
Independent Review
Our Rating
Challenges
Spreads
Markets
Payouts
Platforms
Trust
Pros
- MT5, Match-Trader, and cTrader available
- Reward splits up to 100% on Monthly cycle; 60–90% on shorter cycles
- Competitive leverage for Pro Account
- Four challenge models: Zero, 1-Step, 2-Step, and 2-Step Pro
Cons
- $20 fee required to access cTrader
- Support is slow and often evasive
- Limited time challenges have unclear or shifting rules
- Post-funding rules are stricter than evaluation rules
Best For
Experienced traders who understand prop firm rules and want multiple challenge options with scaling potential
Not Ideal For
Beginners or traders who want fully transparent, consistent rules from evaluation through to funded accounts
Our Take on Funding Pips
Funding Pips scored 62/100 in our review, offering four challenge models (Zero, 1-Step, 2-Step, and 2-Step Pro) across MT5, Match-Trader, and cTrader. Reward splits depend on the payout cycle selected: Weekly 60%, Bi-weekly 80%, On-Demand 90%, or Monthly 100%. While rule clarity and support could improve, it's a decent option for traders who understand the prop firm's trading rules.
Key Facts
| Evaluation Types | zero, 1-step, 2-step, 2-step-pro |
| Max Payout Split | 100% |
| Payout Schedule | Weekly, Bi-weekly, On-Demand, or Monthly (selectable at checkout) |
| First Payout | — |
| Daily Drawdown | — |
| Max Drawdown | — |
| Platforms | MetaTrader 5, cTrader, Match-Trader |
| News Trading | — |
| Weekend Holding | — |
| Copy Trading | Allowed |
| Expert Advisors (EAs) | — |
| Trustpilot | 4.5/5 (43,000 reviews) |
Consistency Rule
15% on Zero accounts, 45% on 2-Step Pro accounts. No consistency rule on 1-Step or 2-Step Standard.
Challenge Accounts
Funding Pips scored 6/10 for challenges. The firm offers four challenge models — Zero, 1-Step, 2-Step, and 2-Step Pro — each with different drawdown limits, profit targets, and funded-stage rules. Reward splits depend on the payout cycle you select at checkout: Weekly 60%, Bi-weekly 80%, On-Demand 90%, or Monthly 100%.
But real-world testing and feedback highlight one recurring issue: the rules change once you're funded. There's a mismatch between what you agree to during the evaluation and what gets enforced later. Key rules like the 1% floating loss limit and the consistency rule only apply after you pass, which has caught many users off guard.
Upfront Challenge Fees
| Account Size | Zero | 1-Step | 2-Step | 2-Step Pro |
|---|---|---|---|---|
| $5,000 | $69 | $59 | $36 | $29 |
| $10,000 | $99 | $99 | $66 | $55 |
| $25,000 | $199 | $199 | $156 | $109 |
| $50,000 | $299 | $319 | $289 | $219 |
| $100,000 | $499 | $555 | $529 | $399 |
1 Zero (Instant Funding)
This is marketed as "no evaluation," but there's still a catch. To unlock your first payout, you need to hit a 3% profit buffer, then earn another 1% — meaning the real target is 4%. Once funded, you're bound by some of the firm's strictest rules, including a 15% consistency rule, restricted news trading, and no weekend holding.
Max Daily Loss
3%
Trailing Drawdown
5%
Floating Loss Cap
1%
Consistency Rule
15%
News Trading
Restricted
Weekend Holding
Not Allowed
Reward Split
60% – 100% (cycle-based)
Payout Cycles
Weekly / Bi-weekly / On-Demand / Monthly
Important Note
The appeal of getting funded fast is real, but the low margin for error and strict funded-stage rules — including news trading restrictions and no weekend holding — mean this model suits only the most precise, disciplined traders.
2 1-Step Challenge
This model keeps things simple with a one-phase evaluation. It uses a 3% daily loss limit and 6% max loss. News trading is allowed during evaluation but restricted on funded (Master) accounts.
Profit Target
10% in 30 days
Daily Loss Limit
3%
Max Loss
6%
Min Trading Days
3
Reward Split
60% – 100% (cycle-based)
News Trading
Eval only
Best Suited For
Traders who want a faster path to funding with fewer restrictions upfront. Just keep in mind that funded account rules are still stricter than what you see during evaluation — including news trading restrictions and a max risk per trade idea rule.
3 2-Step Challenge – Standard
A more relaxed setup with wider drawdown limits (5% daily / 10% max). You can customise the Phase 1 profit target at signup. Weekend holding is allowed on this model, including on funded accounts. No consistency rule applies.
Phase 1 Target
Customisable
Phase 2 Target
5%
Daily Loss Limit
5%
Max Loss
10%
Min Trading Days
3 per phase
Consistency Rule
None
Weekend Holding
Allowed
Reward Split
60% – 100% (cycle-based)
Best Suited For
This is the most flexible model with no consistency rule, weekend holding allowed, and wider drawdown limits. Ideal for swing and position traders who want room to breathe.
4 2-Step Challenge – Pro
This model is for experienced traders who want to complete their evaluation quickly but can handle tight risk parameters: 3% daily loss and 6% max loss. You only need one trading day per phase, but a strict 45% consistency rule applies both during evaluation and after funding.
Phase 1 Target
Customisable (default 6%)
Phase 2 Target
6%
Daily Loss Limit
3%
Max Loss
6%
Min Trading Days
1 per phase
Consistency Rule
45% (both phases + funded)
Reward Split
60% – 100% (cycle-based)
Important Note
The 45% consistency rule is one of the strictest in the industry and applies during both evaluation and funded phases. Make sure you understand this before committing.
Reward Split by Payout Cycle
Rather than a flat profit split, Funding Pips ties the reward percentage to the payout cycle you choose at checkout. This applies to all four challenge models:
| Payout Cycle | Reward Split |
|---|---|
| Weekly | 60% |
| Bi-weekly | 80% |
| On-Demand | 90% |
| Monthly | 100% |
On-Demand Note
On-Demand payouts require meeting a minimum reward threshold and consistency rules before withdrawal is permitted. Check the firm's current terms for exact thresholds.
Scaling Plan
Once you're funded, you can work your way up through four scaling tiers:
Launchpad
After 4 payouts and 10% total profit, your account grows 20% and your drawdown limit and lot cap increase.
Ascender
After 8 payouts and 20% profit, your account grows another 30% with further limit increases.
Trailblazer
After 12 payouts and 30% profit, you gain another 40% growth and more headroom.
Hot Seat
After 16 payouts and 40% profit, your account size doubles. You unlock on-demand payouts, 100% profit split, and up to $2M in funding.
Verdict on Challenges
Funding Pips gives you four challenge models and a high ceiling if you scale successfully. But the rule shifts between evaluation and funded phases — and the lack of clarity in time-limited promos — mean you need to read the fine print. Drawdown limits, news trading rules, and weekend holding rules all vary by model, so make sure you know which restrictions apply to the one you choose. The structure is decent, but the surprises can be costly, earning Funding Pips a score of 6/10 for challenges.
Commission Fees & Pricing
Funding Pips scored 6/10 for spreads and commission. The updated commission rates are easier to follow, but the firm still doesn't publish spread data, making it hard to calculate your total cost per trade.
Spreads
Funding Pips doesn't list average or minimum spreads on their site. Instead, they provide you with test credentials so you can check live market conditions yourself. While this gives you real-time insight, it's not a practical way to compare pricing — especially if you're weighing costs across different firms. The lack of clear spread benchmarks makes it tough to know what you're actually paying.
Commission Fees
| Asset Class | Standard Commission |
|---|---|
| Forex | $5 per lot (round turn) |
| Metals (Gold, Silver) | $5 per lot (round turn) |
| Crypto | 0.04% per trade |
| Indices | Free |
| Energies (Oil) | Free |
Swap-Free Accounts
Swap-free accounts carry higher commissions on forex and metals. Check the firm's current fee schedule for exact swap-free rates before purchasing.
Verdict on Spreads and Commission
The commission model is now clearer — $5 per lot on forex and metals, 0.04% on crypto, and free on indices and energies. But without published spreads, you still don't get the full picture. Swap-free accounts also come with higher commissions. That's why this area remains a 6/10 — it's improved, but not fully transparent.
Financial Markets & Leverage
Funding Pips offers a range of tradable instruments with varying leverage across its account types:
Forex
Up to 1:100 leverage
Indices
Up to 1:20 leverage
Commodities
Metals 1:30 / Energies 1:10
Crypto
Up to 1:2 leverage
Leverage by Asset Class
| Asset Class | Leverage |
|---|---|
| Forex | 1:100 |
| Metals (Gold, Silver) | 1:30 |
| Energies (Oil) | 1:10 |
| Indices | 1:20 |
| Crypto | 1:2 |
Verdict on Markets and Leverage
Funding Pips offers a solid range of instruments covering forex, indices, metals, energies, and crypto. Forex leverage at 1:100 is competitive, and metals at 1:30 provides reasonable headroom. However, crypto leverage at 1:2 and energies at 1:10 are conservative, which may not suit high-risk or short-term strategies.
Trading Platforms
Funding Pips scored 6/10 for Platforms in our review. You get access to three options — MetaTrader 5, cTrader, and Match-Trader. But some usability quirks and access restrictions still hold this area back.
1. MetaTrader 5
MT5 has become a default choice for many due to its fast execution, custom indicators, and multi-asset support. Its reintroduction at Funding Pips was a needed move after earlier platform disruptions in 2024.
2. cTrader
cTrader offers cleaner charting and is generally preferred for more technical strategies. The downside? You'll need to pay a $20 fee to use it, and it's still not available to US traders.
3. Match-Trader
Match-Trader is the simplest of the three, designed for speed and ease of use. It's a web-based platform with all the basics covered, though it lacks the deep customisation you get with MT5 or cTrader.
Trading Rules
Rules vary by challenge model and account stage. Here's how key rules differ:
| Rule | Status | Details |
|---|---|---|
| News Trading | Varies | Allowed during evaluation on most models; restricted on funded (Master) accounts and on Zero accounts |
| Weekend Holding | Varies | Allowed on 2-Step challenges (including funded); restricted on Zero |
| Copy Trading | Own Only | Allowed between your own accounts only; copying between different traders is not permitted |
| Expert Advisors (EAs) | Conditional | Third-party EAs allowed only as trade/risk management tools; fully automated third-party trading EAs are not permitted |
| Consistency Rule | Varies | 15% on Zero; 45% on 2-Step Pro (eval + funded); none on 1-Step or 2-Step Standard |
| Max Risk per Trade (Funded) | Applies | Maximum risk per trade idea rule on funded (Master) accounts; limit depends on account size |
| Inactivity Rule | 30 days | Accounts become inactive if no trades are closed for 30 consecutive days |
| HFT / Latency Arbitrage | Banned | Not allowed on any account |
Verdict on Trading Platforms
You get access to three capable platforms, which is a solid offering. MT5 is reliable, Match-Trader is easy to use, and cTrader has technical depth. But the $20 cTrader fee and US restrictions make access less consistent. Trading rules also vary significantly by model — news trading and weekend holding are allowed on some challenges but restricted on others, and funded accounts face stricter rules including a max risk per trade idea limit and a 30-day inactivity rule. Combined with the strict funded-stage rules, the firm scores 6/10 for platforms and rules.
Payments & Profit Payout
Funding Pips scored 7/10 for Payments and Payouts. The firm offers multiple payout cycles — Weekly, Bi-weekly, On-Demand, and Monthly — with your reward split tied to the cycle you select at checkout. Instant payouts to Visa and MasterCard are now also available.
Reward Split
60% – 100% (cycle-based)
Min Payout
1% of balance
Max Payout
No limit
Processing Time
1–3 business days
Reward Split by Payout Cycle
| Payout Cycle | Reward Split | Notes |
|---|---|---|
| Weekly | 60% | Most frequent payouts, lowest split |
| Bi-weekly | 80% | Balance of frequency and split |
| On-Demand | 90% | Requires minimum reward threshold + consistency |
| Monthly | 100% | Longest wait, maximum split |
On-Demand Requirements
On-Demand payouts are not available immediately. You must meet a minimum reward threshold and satisfy consistency rules before you can request a withdrawal. Check Funding Pips' current terms for the exact requirements.
Challenge Fee Payment Methods
Google Pay / Apple Pay
Crypto (BTC, ETH, USDT)
Credit / Debit Cards
Neteller / Skrill
Paysafe Card
Bank Transfer
Profit Payout Methods
| Method | Speed | Details |
|---|---|---|
| Visa / Mastercard (Instant) | 30 min – 48 hrs | Sent directly to your card once approved |
| Cryptocurrency | Same day | No minimum; subject to service and conversion fees |
| Rise Platform | 1–3 business days | Requires KYC; minimum $500 payout; bank or crypto wallet |
Verdict on Payments and Payouts
Funding Pips scores 7/10 for Payments and Payouts. The cycle-based reward split system (Weekly 60%, Bi-weekly 80%, On-Demand 90%, Monthly 100%) gives traders flexibility to choose their preferred trade-off between payout frequency and split percentage. The introduction of instant credit card payouts adds real convenience. However, On-Demand payouts come with additional requirements, and the lack of clear fee breakdowns makes it harder to plan ahead.
Customer Service & Education
Funding Pips offers live chat and a Help Center, but support quality is mixed and educational content is minimal. The prop firm has added WhatsApp access for Master traders, but unless you've reached that level, help can be slow or unclear.
Customer Support
You can reach support through the site's live chat widget, but don't expect instant answers. Wait times vary, and responses often feel scripted or generic, especially if your question involves payout rules or challenge terms.
| Channel | Available | Notes |
|---|---|---|
| Live Chat | Yes | Variable wait times; often scripted responses |
| Yes | Standard response time | |
| WhatsApp (Master Traders) | Limited | Only available for Master-tier traders |
| Discord | Yes | 172,000+ members; community-driven help |
| Help Center / FAQ | Yes | Covers onboarding, rules, and payout instructions |
| Education / Tutorials | No | No structured learning tools or guides available |
Verdict on Support and Education
Funding Pips still falls short when it comes to trader support. Unless you qualify for WhatsApp access, the help experience is slow and lacks depth. The absence of meaningful education tools also makes this firm harder to recommend for newer traders.
Trust & Community
Funding Pips scored 6/10 for Trust in our review. While the firm has a good TrustPilot score and a massive Discord following, the rating dropped after we assessed recent trader complaints and past disruptions. The firm was founded in November 2022 and is based in Dubai.
Funding Pips Trustpilot Score
4.5/5
TrustScore
Based on 43,000+ reviews on Trustpilot. However, the profile was temporarily suspended in June 2024 due to an influx of reviews tied to media attention, raising questions about the legitimacy of some ratings.
Recent reviews tell a different story. There are pages of one-star reviews from the past 30 days alone, with complaints highlighting:
Frequent slippage leading to losses far exceeding expectations
Breached accounts due to the 1% floating loss rule
Withheld profits based on vague or selectively enforced rules
Allegations of manipulated trading conditions including altered stop-loss orders
Poor customer support, with responses described as generic and unhelpful
Trading Community
172K+
Discord Members
4.5/5
Trustpilot Score
43K+
Trustpilot Reviews
Funding Pips hosts an impressive Discord community with over 172,000+ members, offering channels for strategy sharing, market insights, and trader networking. Despite its size, the community does not offset the broader concerns highlighted in reviews.
Verdict on Trust and Community
Funding Pips has a large and active community, but trust is undermined by inconsistent rule enforcement, platform disruptions, and mixed trader feedback. A high review score alone isn't enough to outweigh ongoing issues with execution quality and transparency. For traders who value consistency and reliability, higher-scoring firms offer more assurance.
Our Verdict: 62/100
Funding Pips scored 62/100 overall in our review, with average or below-average ratings across every key category. The prop trading firm offers four challenge models — Zero, 1-Step, 2-Step, and 2-Step Pro — each with different drawdown limits and rules. Reward splits depend on the payout cycle selected: Weekly 60%, Bi-weekly 80%, On-Demand 90%, or Monthly 100%. However, this variety is offset by ever-changing limited time models and stricter risk rules introduced only after traders are funded.
The firm also earned 6/10 for Trust due to a history of rule enforcement issues, negative trader reviews, and the temporary suspension of its Trustpilot account. Other categories like Platforms, Payouts, and Markets sit between 6/10 and 7/10, reflecting inconsistent experiences and lack of clear disclosures.
Overall, while Funding Pips has scale and visibility, its operational inconsistencies, hidden conditions, and support issues make it difficult to recommend over more transparent, broker-backed alternatives like DNA Funded or BrightFunded.
Frequently Asked Questions
Data Sources
- https://fundingpips.com
Last reviewed 2026-03-11 · Data verified 2026-03-11