What is FundingPips?
FundingPips is a Dubai-based proprietary trading firm founded in approximately 2021–2022 and operating under FP Funding LLC. The firm has grown into one of the largest and most reviewed prop firms in the world, with a 4.5/5 Community rating from over 52,000 reviews and more than $180 million paid out across 127,000+ verified payouts to traders. These numbers place it in the top tier of prop firms by payout volume and community size.
FundingPips offers four distinct evaluation paths — 2-Step Standard, 2-Step Pro, 1-Step, and Zero (Instant Funding) — covering account sizes from $5,000 to $200,000 (and up to $300,000 through certain programmes). Profit splits range from 60% to 100%, depending on payout frequency choices and whether a trader achieves Elite (Hot Seat) status through FundingPips' scaling programme. The 2-Step Standard challenge starts at just $29 for a $5,000 account, making FundingPips one of the most affordable entry points in the industry.
Payouts process within 24 hours via bank transfer or USDC crypto on MT5, MatchTrader, and cTrader — a platform lineup that covers the majority of trader preferences. The firm's combination of low entry cost, large verified payout history, and fast processing has made it a default comparison point for traders evaluating affordable prop firm options.
FundingPips Challenge Types and Rules
FundingPips offers four evaluation paths, each targeting a different risk tolerance and trading style.
2-Step Standard (Most Popular)
- Phase 1 profit target: 8%
- Phase 2 profit target: 5%
- Daily drawdown: 5% static
- Max overall drawdown: 10% static
- Minimum trading days (Sept 2026): 3 days at 5% daily loss, or 0 days if you choose the 3% daily loss option
- No maximum time limit
- Reward cycle (Sept 2026): Biweekly 80% split or biweekly 95% split
- Starting from: $29 for a $5,000 account
- Challenge fee: Refunded on first payout
- News trading: Permitted during evaluation. On funded accounts, profits from trades within 5 minutes of high-impact news events do not count toward payouts.
- September 2026 Rule Overhaul ("CFDs Glory Days are back"): For accounts purchased or reset from September 28, 2026 onward, FundingPips removed three restrictive rules across all Evaluation + Master accounts (excluding Zero): the Risk per Trade Idea cap, the 4-stage Striking System, and the Profit Concentration Policy (which previously forced 4 extra profitable days if one trade idea generated more than 60% of the profit target). Minimum trading days were also loosened — see the account-type sections below for the new per-plan requirements.
- Swing & Swap-Free add-ons: Swing (weekend/overnight holding on the funded Master account) and Swap-Free (Islamic/no-swap, MT5 only) are now separate paid Master-stage add-ons at $47.18 each. Standard Master accounts auto-close positions over the weekend by default — paying for Swing unlocks holding through the weekend.
- Legacy accounts: Accounts purchased before September 28, 2026 remain on the old ruleset, which included the Risk per Trade Idea cap, the Striking System (4-stage warning ladder: 1st = warning, 2nd = split halved, 3rd = split to 20%, 4th = closure), and the Profit Concentration Policy. FundingPips maintains a separate legacy rule set for these accounts.
2-Step Pro
- Phase 1 and Phase 2 profit target: 6% (both phases)
- Daily drawdown: 3% static (tighter than Standard)
- Max overall drawdown: 6% static (tighter than Standard)
- Consistency rule: 45%
- Minimum trading days: 1 day per phase
- Note: Despite the lower profit targets, the significantly tighter drawdown limits make the Pro a more difficult challenge for most trading styles than the Standard 2-Step. Independent reviewers generally recommend the Standard over the Pro for this reason.
1-Step Challenge
- Profit target: 10%
- Daily drawdown: 4% static
- Max overall drawdown: 6% static
- Minimum trading days: 3 days
- No maximum time limit
- Suited to: Traders who want a single-phase path to funding and can manage within tighter drawdown limits than the 2-Step Standard.
Zero — Instant Funding
- No evaluation phase: Traders receive funded access immediately.
- Drawdown: 3% daily loss cap and 5% total trailing drawdown — intraday equity-based trailing, the most restrictive drawdown model in the FundingPips lineup.
- Profit split: 95% base.
- Safety cushion rule: The first 3% of profits cannot be withdrawn — they act as a drawdown buffer.
- Minimum profitable days: 7 per 30-day cycle to keep the account active.
- Consistency requirement: 15% to qualify for withdrawal.
- Important: Despite the 95% profit split, the trailing intraday drawdown and activity requirements make Zero the most restrictive FundingPips programme in practice. Traders should read the full terms carefully before choosing it over the evaluated alternatives.
Key rules applying to all accounts
- Platforms: MT5, MatchTrader, cTrader.
- Inactivity: Account is breached after 30 consecutive days of inactivity.
- EAs: Permitted on evaluated accounts — check current FundingPips terms for specific EA restrictions.
- Maximum account size: Up to $200,000 (standard programmes); up to $300,000 through certain paths.
- Hot Seat (Elite scaling): Traders who reach Hot Seat status unlock on-demand withdrawals and up to 100% profit split.
FundingPips Profit Split — Tiered by Payout Frequency
FundingPips uses a tiered profit split model where the percentage depends on how frequently the trader chooses to withdraw. This is a unique model in the prop firm industry and requires careful evaluation before purchasing.
- Daily payouts: 60% split (lowest percentage, highest frequency)
- Weekly payouts: 80% split
- On-demand (Hot Seat): Up to 100% split — requires achieving Elite status through FundingPips' scaling milestones
Traders who prioritise maximising their profit share per withdrawal should opt for weekly payouts at 80%. Daily payouts at 60% make sense only for traders who actively need daily liquidity and accept the lower percentage as a trade-off for frequency. The 100% Hot Seat split is an aspirational tier — it requires consistent performance over time and is not the default starting split.
FundingPips Payout Data
Prop Firm Stats tracks verified payout data submitted by funded traders across 50+ prop firms. The live payout tracker on this page reflects confirmed FundingPips withdrawals submitted through our platform.
Key payout facts based on FundingPips' published terms and verified community data:
- FundingPips has paid out over $180 million across more than 127,000 verified payouts since launch.
- Payout processing time: within 24 hours of withdrawal request submission.
- Payout methods: bank transfer and USDC crypto.
- Profit split: 60% (daily), 80% (weekly), up to 100% (Hot Seat on-demand).
- Community rating: 4.5/5 from over 52,000 reviews — one of the highest review volumes in the prop firm industry.
If you have received a payout from FundingPips, you can submit your payout data here to help traders make informed decisions based on verified community data.
FundingPips — Our Verdict
FundingPips earns its position as one of the most popular prop firms in the industry through a combination of genuinely low entry pricing (from $29), a massive verified payout history ($180M+), fast 24-hour processing, and a 4.5/5 Community rating from 52,000+ reviews. For traders who prioritise affordability and proven payout reliability over the highest possible profit split, FundingPips is a compelling choice.
The main points to understand before purchasing: the tiered profit split model means daily traders receive only 60% — significantly below the 80–90% offered by competitors at a flat rate. The 2-Step Pro's tighter drawdown limits make it a harder challenge than it appears despite lower profit targets, and the Zero Instant Funding programme's intraday trailing drawdown is the most restrictive model in the FundingPips lineup despite its 95% headline split. Most independent reviewers recommend the 2-Step Standard as the best value entry point for the majority of traders. The 2-Step Pro is generally not recommended over the Standard for most trading styles.
Prop Firm Stats will continue updating this page as verified payout data and trader reviews are submitted by the community.
FundingPips — Frequently Asked Questions
Is FundingPips a legitimate prop firm?
Yes. FundingPips is a legitimate Dubai-based proprietary trading firm with one of the most verified payout records in the industry — over $180 million paid across 127,000+ verified payouts. It holds a 4.5/5 Community rating from over 52,000 reviews and has been operating since approximately 2021–2022 under FP Funding LLC.
What is the profit split at FundingPips?
FundingPips uses a tiered split based on payout frequency: 60% for daily payouts, 80% for weekly payouts. Traders who reach Hot Seat (Elite) status through FundingPips' scaling programme unlock on-demand withdrawals at up to 100% profit split. The 80% weekly rate is the most commonly used tier and is competitive with industry standards. Traders who want daily access to profits should factor the 60% rate into their comparison against firms offering a flat 80–90%.
What is the cheapest FundingPips challenge?
The cheapest FundingPips entry point is the 2-Step Pro challenge at $29 for a $5,000 account. However, the 2-Step Pro has tighter drawdown limits (3% daily, 6% maximum) than the Standard, making it a harder challenge in practice despite the lower price. The 2-Step Standard is available from $32 and is considered better value by most independent reviewers due to its wider drawdown buffer (5% daily, 10% max).
What is the FundingPips Zero programme?
FundingPips Zero is an instant funding programme — traders receive a funded account without completing an evaluation phase. It offers a 95% profit split but uses an intraday equity-based trailing drawdown (the most restrictive type), requires 7 minimum profitable days per 30-day cycle to keep the account active, and withholds the first 3% of profits as a drawdown safety cushion before they can be withdrawn. Despite the headline 95% split, Zero is widely regarded as FundingPips' most restrictive programme in practice.
How fast does FundingPips pay out?
FundingPips processes payouts within 24 hours of a withdrawal request being submitted. Payout methods include bank transfer and USDC cryptocurrency. The firm's payout speed and reliability are consistently noted in community reviews as among its strongest attributes.
What is the maximum account size at FundingPips?
FundingPips offers funded accounts up to $200,000 on standard programmes, with certain paths reaching $300,000. Through the Hot Seat scaling programme, consistently profitable traders can increase their capital allocation over time. The maximum account cap varies by programme — check FundingPips' current offering for specific account size limits by challenge type.