Full FundingPips Review for 2025 – Features, Payouts, Rules Explained

FundingPips is quickly becoming one of the standout names in the prop trading world, thanks to its trader-focused approach and flexible funding options in a fully simulated environment. Whether you're just starting out or you're a seasoned trader looking for serious capital, this firm offers a model that fits.

Traders can choose from three different programs: the traditional 1-Phase and 2-Phase Evaluations, or the FundingPips Zero, an instant funding option with no evaluation required. This means you can select the path that aligns best with your skill level and trading confidence.

With features like:

• Up to 100% profit split
• Scaling up to $2 million
• Tight spreads
• Weekly, bi-weekly, and monthly payout options
• Transparent rules and policies

…it’s clear that FundingPips is building a serious platform for both growth and long-term trader success.

In this 2025 FundingPips prop firm review, we’ll break down exactly how the firm works, what makes it different, and why it’s become a go-to choice for traders around the world.

FundingPips Prop Firm Overview

FundingPips Pros & Cons: Quick Comparison

FundingPips is a forex prop trading firm offering flexible evaluation models, rapid payouts, and high-tier profit splits. It’s designed for traders who want choice, with different challenges to match different styles. But like any firm, it has its strengths and trade-offs.

Before jumping in, here’s a clear and simple breakdown to help you weigh your options:

FundingPips Challenge Types, Fees, Profit Split, and More

If you are on the hunt for a prop firm that gives you multiple funded account options instead of forcing you down one path then FundingPips is worth a close look. They offer four different ways to get funded including a 1-Step Challenge, Classic 2-Step, Pro 2-Step, and an Instant Funding model - each designed to suit different risk levels, budgets, and trading preferences.

One thing traders really appreciate about FundingPips is how transparent and fair the structure feels. You’ll find no hidden platform fees, clear static drawdowns, weekly or on demand payouts, and profit splits that can go all the way up to 100%. Plus, the platform supports modern tools like MatchTrader, TradeLocker and cTrader, so you’re not stuck using outdated tech.

Now here’s something important to note that if you go with the 1-Step Challenge or the classic 2-Step Challenge, you’re eligible for a refund of your evaluation fee once you hit your 4th reward payout. That said, this refund does not apply to the Instant Funding model or the Pro 2-Step Challenge - so keep that in mind when picking your path.

Overall, whether you're just starting out or scaling up, FundingPips keeps things flexible. Each model comes with its own setup, some have more steps, some come with faster funding but they’re all built to make professional trading capital more accessible and trader friendly.

FundingPips Challenge Comparison Table:

 
FundingPips 1-Step Challenge  

If you're someone who doesn’t need a second chance to prove your skill, the 1-Step Challenge from FundingPips is tailor-made for you. It’s a single phase evaluation that keeps things straightforward: hit a 10% profit target, stay within the 6% static drawdown and you’re on your way to getting funded. No timers. 

No ticking clocks. Just clean trading with no time limits.

You can start with as little as $59 for a $5K account, which is one of the lowest fees you’ll find in prop trading. Plus, there’s real earning flexibility here, payouts can be requested every Tuesday through “Tuesday Payday” option with at an 80% profit split.

Even better? If you qualify for the Hot Seat Program, you’ll unlock on demand payouts with a 100% reward split - no waiting around. Just remember payouts are subject to exchange rates and processing fees and the minimum withdrawal is 1% of your original account balance - including the firm’s share.

This model is perfect if you're a self-assured trader who likes clear rules, fast access to rewards, and no hand holding. It’s built for performance-driven trading.

FundingPips 1-Step Challenge Breakdown:

Why Select the 1-Step Challenge?

• No Time Constraints - Trade whenever you wish, with no stress
• Static Drawdown - Risk parameters remain the same
• Payouts every 7 days - Quick access to profits
• Trader oriented rules - Huge lot size limits and flexible trading
• Best for Confident Traders - If you’re consistent and steady, this model rewards you well - even more so with Hot Seat access.

FundingPips 2-Step Challenge

If you are the type of trader who likes a prop trading structure and prefers a slightly more gradual path to funding then the FundingPips 2-Step Challenge might be the perfect fit for you. It follows the well-known two phase evaluation model but with a twist: lower profit targets, higher leverage and flexible payout cycles designed around your preferences.

Starting at just $36 for a $5K account (and going up to $444 for $100K), FundingPips' 2-Step Challenge keeps the entry barrier low while still offering a solid payout structure and fair trading rules.

How It Works
 

You will need to pass two phases:

• Phase 1: Reach an 8% profit target without breaching drawdown limits.
• Phase 2: A 5% profit target - slightly easier but still testing your consistency.

Drawdown is static, not trailing and time is unlimited so take your time and focus on quality trades rather than high profit chase.

Reward Cycles & Profit Splits
 

Once you pass the challenge and get your Master account - you get to choose how you want to be rewarded:

• Tuesday Payday (Weekly) - 60% reward split
• Bi-Weekly (Every 14 days) - 80% reward split
• Monthly (Every 30 days) - 100% reward split
• On-Demand (via Hot Seat Program only) - 100% instant payout once eligible

Note: Transfers are subject to exchange rates and transaction fees. You must earn at least 1% of the account balance including firm’s share to request a payout.

FundingPips 2-Step Challenge Overview:

Why Choose the 2-Step Challenge?

• Lower Targets – Easier to hit compared to most 1-step models.
• Flexible Payout Options – Choose your cycle: weekly, bi-weekly or monthly.
• Higher Leverage – Forex leverage goes up to 1:100, giving room to work your edge.
• Static Drawdown – No trailing nonsense, just fixed risk parameters.
• Great for Consistent Traders – Encourages slow, steady growth over risky plays.

FundingPips Pro Challenge

The FundingPips Pro Challenge is tailored for traders who like to keep things controlled and steady. If you are not into rushing through aggressive targets or using sky high leverage then this one might just be your sweet spot.

Unlike the standard challenges the profit target here is only 5% in both Phase 1 and Phase 2 making it one of the most approachable evaluations in the prop firm space. It’s perfect for traders who focus on consistency, risk control and strategy execution - not just big wins.

The starting fee is just $39 for a $10K account - making it affordable even if you're just testing the waters or still building your edge.

Reward System & Payout Options

• Weekly Rewards - 80% Split

After 7 calendar days from your first trade on the funded account - you can request a payout with an 80% profit share.

• On-Demand Rewards - 100% Split

Once you gain Hot Seat through their "Hot Seat Program", you gain access to instant payouts at a 100% profit split - no waiting required. (You can learn more about the Hot Seat in their FAQ.)

Note: Minimum payout amount is 1% of your account balance (including firm’s share). Payouts are subject to transaction fees and currency exchange rates, depending on the method used.

FundingPips Pro Challenge Breakdown:

What are the advantages of the FundingPips Pro Challenge?

• Low Profit Targets - Just 5% in both phases, which is more forgiving than most evaluations.
• 100% Profit Split Potential - Unlockable with performance via the Hot Seat program.
• Static Drawdown - Makes risk management easier and more predictable.
• Low-Cost Entry - Starting from just $39, it’s accessible even for part-time or learning traders.
• Built for Consistency - Ideal for traders who don’t chase big swings but aim for steady results.

FundingPips Instant Funding

For traders who are ready to dive straight into funded trading, FundingPips Instant Funding skips the traditional evaluation process entirely. No profit targets. No phases. Just a funded account, clear risk rules, and the opportunity to start earning from day one.

This model is designed for confident, disciplined traders who already have their strategy dialed in and don’t want to go through the usual challenge grind. With a 95% profit split and static drawdown, you keep most of your profits while trading in a predictable - no surprises environment.

The starting fee is $69 for a $5K account, scaling up to $499 for $100K - which is fair given you're getting live capital access right away.

Payout Options & Rewards
 

• Weekly Rewards – 80% Split

After 7 days from your first trade on the Master account you’re eligible for weekly payouts at an 80% split.

• On-Demand Rewards – 100% Split

Earn a spot in the Hot Seat Program and you unlock instant payouts with a full 100% reward split.

Note: The minimum payout threshold is 1% of your initial balance (including the firm’s share). Exchange rates and transaction fees may apply depending on your transfer method.

FundingPips Instant Funding Details:

Why Go for FundingPips' Instant Funding model ?

• Skip Evaluations - No need to pass any challenge you can start funded immediately.
• 95% Profit Split - One of the highest standard splits available anywhere.
• Static Drawdown - Clear, predictable risk parameters.
• No Minimum Trading Days - Cash out fast if you’re profitable.
• Ideal for Confident Traders - If you’ve got the discipline this is your shortcut to real capital.

Which FundingPips Challenge Should You Choose?

Selecting the most suitable FundingPips challenge is subjective to your trading style, level of experience, and preferred risk factors. This summary will simplify your selection process:

Our Review on FundingPips Challenges 

FundingPips stands out as a trader-friendly prop firm because of its flexibility, low cost of entry, and high reward potential. The variety of challenges ensures that all traders, regardless of their experience, have something tailored for them.

Aggressive traders seeking immediate results and faster access to funding will love the 1-Step Challenge. Its appeal lies in gaining up to 100% profit splits, weekly payouts, clearly defined trading parameters, and of course, the professionalism that comes with the structure.

Whether you are a scalping trader, a swing trader, or a strategy tester, there is a path to funded trading at FundingPips and it is clear, simple, honest, and achievable.

FundingPips Account Scaling Plan - Capital Up to 2 million dollars

FundingPips gives you the chance to grow your capital as your performance improves.

This scaling plan is all about rewarding consistent, smart, and disciplined trading. As you hit profit milestones and earn payouts (called “rewards”), you unlock bigger accounts, better drawdown limits, and even exclusive perks. Here’s how the journey works:

Launchpad - Level 1
 

You’re a Novice Trader - just getting started. At this stage, you're showing you can trade responsibly and make steady profits.

Requirements:

• 4 successful reward payouts
• 10% total profit

Benefits:

• +20% capital boost
• Drawdown limit increased by 1%

This is your starting point - think of it as your foundation for bigger things ahead.

Ascender - Level 2
 

You’re an Intermediate Trader - building consistency. Now you have proven yourself. You understand risk, read markets better and are ready for more responsibility.

Requirements:

• 8 successful rewards
• 20% total profit

Benefits:

• +30% capital boost
• Max drawdown increased by 1% (total: 2%)
• Daily drawdown limit also increased by 1%
• You are getting more room to breathe and more capital to work with.

Trailblazer - Level 3
 

You’re an Advanced Trader - consistently delivering. You have proven that you don’t just get lucky - you’re consistent, strategic and calm under pressure.

Requirements:

• 12 successful rewards
• 30% total profit
• Benefits:
• +40% capital boost
• Max drawdown increased to 13%

At this point you are trusted with significantly more capital because you have earned it.

Hot Seat - The Ultimate Honor
 

You’re an Elite Trader - top of the game. This is the highest level of recognition at FundingPips. You have shown absolute mastery.

Requirements:

• 16 successful rewards
• 40% total profit

Premium Benefits:

• Initial balance doubled
• On demand rewards (no waiting)
• 100% profit split
• Capital access up to $2 million
• Monthly performance bonuses

This level isn’t just about money, it is about respect and total trust in your trading skills.

Important Note:

All scaling increases are based on your original account size, even if your account gets merged later. So your growth is always tied to your starting point, not the combined total of multiple accounts.

Our Take on The Scaling Plan Offered by FundingPips  

FundingPips has done a solid job designing a scaling plan that actually rewards consistency - not just luck or one off wins.

What we like most is that it’s clear, gradual and motivating. You're not being asked to double your account overnight. Instead, you're encouraged to trade smart, stay consistent and build your capital in stages. For traders who are in it for the long haul, this structure feels both achievable and fair.

Each level gives you something meaningful whether it's more capital, relaxed drawdown limits or premium perks. And by the time you reach the top tier (the Hot Seat), you're not just getting bigger numbers… you're getting full trust and  up to 100% of your profits. That’s rare in this space.

Also the fact that scale ups are calculated from your original account size keeps things transparent. No confusion, no games.

Overall, it’s one of the more practical and trader focused scaling plans we have seen, especially for those who are serious about building a long term funded trading career.

FundingPips - Commissions, Spreads, and Other Trading Conditions  

FundingPips offers traders favorable conditions and trading stipulations which are aimed at enhancing trading outcomes and profitability.  

Spreads & Commissions  
 

FundingPips' policy on commission includes offering low spreads starting from 0.1 pips for the most traded forex pairs - making trading more affordable. This helps traders to take advantage of low prices which improves their trading experience.

Commission Structure:
 

• Forex and Gold:  $7 per standard lot
• Indices, Commodities, Cryptocurrencies: Market charges no commission for these markets - ideal for traders who wish to save on costs.

Drawdown Calculation

Daily drawdown determines 5 PM EST and is set based on the account balance or equity - whichever is greater. This value does not change for that day based on the fixed daily risk management system set in place.

FundingPips Trading Rules

FundingPips has internal rules established to ensure their traders follow proper risk management guidelines. Here most of their important rules:

News Trading Rules Of FundingPips
 

FundingPips allow traders to trade during the news only in the evaluation phases. After being funded, traders are not allowed to trade before and after 5 minutes of a high impact news, during this 10 minutes window, executing trades will lead to removal of any profits made.

If a trader opens a position 5 hours before to the trade and then the profit has been made in this 10 minutes window, That trade will be counted as usual and profits will not be removed.

For swing traders, Traders are allowed to hold their trade throughout the news without any issues.

Our Review on FundingPips Trading Rules  

FundingPips encourages responsible trading by allowing the use of Expert Advisors (EAs) and holding trades over the weekend, provided there are strict rules in place against high-risk or exploitative strategies. These rules aim to promote sustainable and professional trading among all traders, clearly demonstrating trader support and focusing on long-term growth with a healthy approach.

The company firmly implements a policy of strategic planning and disciplined trading while prohibiting impulsive trades that can endanger the trader's account. In doing so, self-discipline and responsibility are cultivated, allowing the traders to achieve success within the prop firm support system.

FundingPips provides clear guidelines to execute trades and thus encourages traders to formulate and follow optimal trading plans, cultivating consistent profitable returns. Adherence to these guidelines will enable traders to efficiently scale their accounts and achieve success within the provided resources of the supported prop trading environment.

FundingPips takes the initiative to assist traders in building responsible trading practices from rule clarity and risk restriction. This demonstrates their commitment to enhancing trader sustainability in the funded trading sphere.

Trading Competitions at FundingPips  

FundingPips prizes active traders with exciting trading competitions that allow traders to showcase their skills and win additional rewards. These tournaments enable traders to learn new things about themselves, test themselves, compete against others, and show off their trading strategies in a live environment.  

Key Benefits of Participating in Competitions:  

• Showcase Your Skills: Compete against other traders and prove your trading expertise.  
• Win Rewards: Access prizes, including funding boosts, account scaling, and more.  
• Improve Your Strategy: Face high-pressure scenarios that help refine your trading skills.  

Trading Instruments Offered by FundingPips

FundingPips gives prop traders access to a focused yet flexible range of trading instruments that suit most common strategies from scalping to swing trading and everything in between. Whether you're a forex purist, crypto enthusiast, or someone who thrives on index volatility, FundingPips offers all the essentials to trade real-world market movements.

With competitive commissions, static drawdowns, and zero restrictions on many instruments, FundingPips creates a straightforward environment for disciplined and strategic traders.

Forex Trading at FundingPips
 

FundingPips allows traders to tap into major and minor forex currency pairs, enabling a wide range of trading styles and timeframes. The platform supports:
 

Major pairs like EUR/USD, GBP/USD, USD/JPY
Crosses and minors for diversification

Leverage varies by challenge model, going up to 1:100 in the 2-Step challenge. Combined with tight commissions ($2.5 or $7 per lot depending on account type) and zero time pressure, Forex is a favorite category for many traders at FundingPips.

Crypto Trading at FundingPips
 

For traders who prefer the 24/7 thrill of the crypto markets, FundingPips offers popular cryptocurrencies with solid leverage and $0 commission:

• Bitcoin (BTC)
• Ethereum (ETH)
• Ripple (XRP)

Other emerging tokens depending on platform access

Leverage is capped at 1:2 on crypto, which may seem conservative, but is intentionally designed to reduce risk in a volatile space. Whether you're hedging or swing trading altcoins, the zero-commission model gives you more room to breathe.

Indices Trading at FundingPips
 

Indices at FundingPips include globally recognized benchmarks, allowing you to ride momentum during economic events or follow macro trends:

• NASDAQ 100 (NAS100)
• S&P 500 (US500)
• Dow Jones (US30)
• FTSE 100 (UK100)
• GER40 (DAX)

With up to 1:20 leverage, these instruments are great for those who trade based on technical setups, news flow, or seasonal performance.

Commodities and Metals at FundingPips
 

Traders looking to diversify into hard assets can access key metal and energy instruments, ideal for macro-based trades or inflation hedging:
Metals:
 

• Gold (XAU/USD)
• Silver (XAG/USD)
• Energy:Brent Crude Oil (UKOIL)
• WTI Crude Oil (USOIL)

With zero commission on these assets and leverage options ranging from 1:10 to 1:20, FundingPips makes it easy to add commodities into your portfolio without over-complicating risk.

Commission Breakdown at FundingPips

Here’s how commissions differ based on the type of challenge account you choose:
 

This makes FundingPips a cost-efficient choice for beginners testing the waters or experienced traders scaling up.

Our Review on Trading Instruments at FundingPips
 

While some firms overwhelm traders with hundreds of exotic instruments, FundingPips takes a “lean and focused” approach. You get access to all the major trading categories without the clutter Forex, Crypto, Indices, Metals, and Energies  with no overcomplication or platform overload.

The commission structure rewards strategic trading, especially if you’re running volume on crypto or indices. And with competitive leverage, unlimited time, and static drawdown rules, the setup favors smart risk management over reckless leverage.

FundingPips offers a practical and performance-focused trading suite that caters to disciplined, multi-asset traders from breakout forex scalpers to macro-level index swing traders.

Payout Methods at FundingPips
 

FundingPips keeps things simple yet efficient when it comes to withdrawals. FundingPips offer two major types of payout methods trusted by global traders: 

• Riseworks: A regulated payout solution known for it's reliability and speed.
• Crypto: For traders who prefer decentralization and fast settlements, payouts can be processed in popular cryptocurrencies.

Withdrawals are processed based on the payout cycle of each challenge, and you can expect your funds with minimal delay once eligibility criteria are met.

Countries Restricted by FundingPips
 

While FundingPips is accessible globally, some countries are restricted due to compliance and risk frameworks. As of now, traders from the following countries cannot join or purchase challenges

List of countries where users are restricted from purchasing the FundingPips Challenges:

• Iran
• United Arab Emirates
• Vietnam

Traders from these regions are restricted from registration and funding due to regional sanctions, legal limitations, or risk management policies.

Our Final Review of FundingPips

FundingPips is unique with their scaling plans, competitive commissions, and controlled risk management policies. With the 1 step and 2 step challenge and the instant funding program, traders have flexible entry points. That said, the firm’s unique scaling program allows traders to grow their account balance from $300,000 to $2 million, making it an ideal option for long-term capital growth.

Why You Should Pick FundingPips for Prop Trading?

• Institutional Grade Liquidity - Enjoy ultra-low spreads starting from 0.1 pips.
• Transparent Fee Structure - Competitive commission with zero fees on some markets.
• Strict but Fair Trading Rules - Reasonable rules that are clear and enforceable to limit irresponsible trading.
• Multiple Account Management - Total simulated capital up to $400,000 across multiple accounts.
• No High Impact News Exposure - Trade away from the risk and uncertainty caused by news events for safety.
• Weekend Trading Allowed - No extra restrictions on holding over the weekend.

Best for traders who value consistency in trading rules, multi markets access, and a clear path towards funding and scaling.

• 10% Max Overall Loss
• 5% Max Daily Loss
• EA execution is prohibited
• Taking advantage of unrealistic fills in the demo environment is not allowed