By Alex Firdaus | Updated May 20, 2026 | Data checked May 20, 2026
FundingPips Review 2026: Rules, Payouts, Zero, and Who Should Avoid It
Quick verdict: FundingPips is one of the most competitive CFD prop firms for traders who want low entry pricing, multiple account models, MT5, cTrader, and MatchTrader. The tradeoff is that the Master and Zero accounts now have stricter payout and risk mechanics than many reviews explain. It is a strong fit for disciplined traders who size positions carefully. It is a poor fit for traders who hold weekend positions, trade news aggressively, or rely on one large winning day to unlock a payout.
FundedTrading code: FTR. Use FTR for 20% off FundingPips and confirm the discount applies before paying.
Table of Contents
What FundingPips is
FundingPips is a CFD prop firm that sells simulated trading evaluations and instant funded-style accounts. Traders choose a model, account size, platform, and currency, then trade under FundingPips rules. Accounts are demo accounts in a simulated trading environment, not live brokerage accounts.
The firm is popular because it gives traders more choice than many low-cost prop firms: traditional 2 Step, faster 1 Step, stricter 2 Step Pro, and FundingPips Zero for traders who want a Master Account from day one. That variety is useful, but it also means traders need to read the model-specific rules. The payout cycle, drawdown, consistency score, news rule, weekend rule, refund eligibility, and reward split can change depending on the model.
FundingPips account models compared
FundingPips currently promotes four main models. The broad account size range is $2,500 to $200,000, but not every size is available on every model. The $2,500 size is limited to selected 2 Step and 2 Step Pro offers, while $200,000 is listed for 2 Step Pro and Zero.
| Model | Best for | Core target | Main risk limit | Reward setup |
|---|---|---|---|---|
| 2 Step | Traders who want the most flexible payout choices. | Phase 1 target can be 8% or 10%; Phase 2 target is 5%. | 10% maximum loss and 5% daily loss. | Weekly 60%, bi-weekly 80%, monthly 100%, or on-demand 90% with conditions. |
| 1 Step | Traders who want one evaluation phase before Master. | 10% profit target with at least 3 trading days. | 6% maximum loss and 3% daily loss. | Same flexible split menu as 2 Step. |
| 2 Step Pro | Traders who prefer a lower target but tighter drawdown. | 6% target in both phases and 1 minimum trading day per phase. | 6% maximum loss and 3% daily loss. | Weekly 80% split on the Master Account. |
| Zero | Experienced traders who want no evaluation and accept stricter payout gates. | No evaluation phase; Master Account from day one. | 3% daily loss, 5% trailing drawdown, 1% max risk per trade. | Bi-weekly 95% split with consistency, profitable-day, safety-cushion, and loss-vs-win requirements. |
Pricing changes in the live checkout and can vary by model, size, currency, region, and coupon. For a review page, the most reliable approach is to send traders to the live checkout and focus the article on rules that do not show clearly in a price table.
Rules that matter most
The main FundingPips risk is not that the headline rules are impossible. The risk is that traders buy the wrong model for their style and only discover the funded-stage details when they are close to a reward.
News and weekend trading
During evaluations, FundingPips is more flexible than many firms: weekend holds are allowed and news restrictions are lighter. The Master stage is different. FundingPips currently says weekend holding is temporarily not allowed on 1 Step, 2 Step, and 2 Step Pro Master accounts. The system may close open trades before the weekend, and the firm says this is not a hard breach.
For news, the Master rule focuses on high-impact red-folder events. Trades opened or closed inside the restricted window can have profits removed, and if that deduction pushes the account past a daily or maximum loss limit, the trader is responsible for the resulting violation.
FundingPips Zero is strict instant access, not easy instant funding
FundingPips Zero gives traders direct access to a Master Account with no evaluation phases. That sounds simple, but Zero has the tightest rule stack in the lineup. It is best treated as a professional account for traders who already know their risk per trade, expected drawdown, and payout rhythm.
| Zero rule | What it means for traders |
|---|---|
| 3% daily loss | The daily limit is tight and includes floating P&L. |
| 5% trailing drawdown | The drawdown trails highest equity, then locks at breakeven after 5% profit. |
| 1% max risk per trade | Floating P&L cannot exceed negative 1% of the initial account size on a single trade. |
| 15% consistency score | Your biggest winning day must not be more than 15% of cumulative profit when requesting a reward. |
| 7 profitable days per 30 days | A qualifying profitable day needs at least 0.25% net closed profit. |
| 3% safety cushion | The first 3% profit cannot be withdrawn because it protects the account after reward processing. |
The biggest mistake is buying Zero because it avoids the challenge, then trading it like a normal evaluation. Zero is useful for steady, small-day traders. It is risky for traders whose returns come from one large news win, one aggressive gold trade, or a few concentrated positions.
Payouts, reward cycles, and refunds
FundingPips uses the term rewards for trader payouts. Reward requests are processed through the dashboard after trades are closed, pending orders are cleared, and the trader waits at least 15 minutes after closing the last trade. FundingPips lists card, crypto, Rise, and bank transfer as reward methods, but method availability depends on region and minimums.
The strongest FundingPips selling point is reward flexibility. 1 Step and 2 Step traders can choose between weekly, bi-weekly, monthly, or on-demand reward cycles. The headline split can reach 100% on the monthly option, but faster access usually means a lower split or extra conditions.
| Reward path | Split | Key condition |
|---|---|---|
| Weekly | 60% on 1 Step and 2 Step | Eligible 7 days after the first executed Master trade. |
| Bi-weekly | 80% on 1 Step and 2 Step | Eligible every 14 calendar days after the first executed Master trade. |
| Monthly | 100% on 1 Step and 2 Step | Eligible every 30 calendar days after the first executed Master trade. |
| On demand | 90% on 1 Step and 2 Step | Requires a 35% consistency score and minimum 2% profit. |
| 2 Step Pro | 80% | Weekly reward cycle. |
| Zero | 95% | Bi-weekly cycle plus Zero-specific reward eligibility rules. |
Registration fee refunds are narrower than some traders expect. FundingPips says the original registration fee is refunded on the 4th reward for 1 Step and 2 Step Master accounts. This refund does not apply to 2 Step Pro or FundingPips Zero.
Platforms, instruments, and country restrictions
FundingPips supports MT5, cTrader, and MatchTrader, which is stronger platform coverage than many budget CFD prop firms. Platform choice still matters because each option has country and feature limits.
| Platform | Important detail |
|---|---|
| MT5 | Available in supported countries, but FundingPips says the United States and Canada are not currently supported for MT5. The swap-free add-on is MT5-only. |
| cTrader | Available in supported countries, but US residents and citizens cannot use cTrader. |
| MatchTrader | Uses FundingPips’ own MatchTrader portal, not the generic MatchTrader app. US and Canada residents can use MatchTrader if otherwise eligible. |
FundingPips lists forex, metals, energies, indices, and crypto style trading conditions. Commission differs by asset and account setup. Forex and metals have a standard commission, energies and indices have no commission, and crypto uses a percentage-based commission formula.
FundingPips discount code
FundingPips discount code from FundedTrading
Use the code below at checkout and confirm the final price before paying.
Offer: FTR gives 20% off FundingPips through FundedTrading.
FundingPips’ checkout allows coupon codes before payment. Codes cannot be added after purchase, so apply the code before completing the order. If FundingPips is running a live sale, compare the final checkout price with and without FTR.
You can also check the main FundedTrading discounts page for other active offers: FundedTrading prop firm discount codes.
Pros and cons
Pros
- Wide model choice: Zero, 1 Step, 2 Step, and 2 Step Pro.
- Platform choice across MT5, cTrader, and MatchTrader.
- Flexible reward cycles on 1 Step and 2 Step.
- Large public review footprint and strong Trustpilot score.
- 4th-reward fee refund on 1 Step and 2 Step.
- Clearer help center documentation than many low-cost firms.
Cons
- Zero has tight payout gates and a trailing drawdown.
- Weekend holding is temporarily not allowed on Master accounts.
- Risk Per Trade Idea can group related positions on Master accounts.
- 2 Step Pro and Zero do not get the 4th-reward registration fee refund.
- Platform availability differs by country.
- Public complaints focus on payout disputes, rule interpretation, and account closures.
Who FundingPips is best for
Reputation, Trustpilot, and trader complaints
FundingPips has a large public reputation footprint. Trustpilot shows a 4.5 rating from more than 52,000 reviews, with most reviews positive and a visible minority of 1-star complaints. The positive pattern is clear: traders often praise the dashboard, support response, evaluation speed, and payout speed.
The negative pattern is also clear enough to mention. Public complaints on Reddit and Trustpilot often focus on payout disputes, account closures after rule reviews, slippage, forced or misunderstood payout-cycle choices, and disagreements over whether a trader broke a rule. These are sensitive claims and FundedTrading could not independently verify each complaint. Still, the pattern is relevant because it tells traders which parts of the rulebook to read before buying.
FundingPips alternatives to compare
FundingPips is usually compared with other CFD prop firms that compete on price, payout speed, platform choice, or instant funding. The right alternative depends on why FundingPips attracted you in the first place.
| Alternative | Compare if you care about | Why it may be better |
|---|---|---|
| FTMO | Brand maturity and conservative rule expectations. | Better known, but usually less discount-led and not built around ultra-low entry pricing. |
| The5ers | Longer operating history and structured account growth. | Useful for traders who prefer reputation over the lowest fee. |
| FundedNext | Large brand footprint and broad model choice. | Worth comparing if you want another high-volume CFD prop firm. |
| FXIFY | Fast payout positioning and CFD challenge variety. | Good comparison if your main question is payout speed. |
| Blueberry Funded | Broker-backed positioning and lower-cost accounts. | Useful if you want a broker-linked alternative in the same broad CFD category. |
If you are shopping mostly by price, also read FundedTrading’s guide to the cheapest prop firms. If you want instant access, compare FundingPips Zero with our FundingPips Zero rules guide and best instant funding prop firms.
Final verdict
FundingPips is worth considering in 2026 if you want a flexible CFD prop firm with low-cost access, multiple platforms, and several payout-cycle options. The 2 Step model is the cleanest starting point for most traders because it gives wider drawdown, flexible reward choices, and eligibility for the 4th-reward fee refund.
The higher-friction options are 2 Step Pro and Zero. They can be attractive, but only if you accept the tighter limits. Zero is the most misunderstood product because the phrase “instant funding” hides a serious rule stack: trailing drawdown, 1% trade risk, 15% consistency, 7 profitable days, a 3% safety cushion, and strict news/weekend handling.
Our view: FundingPips is not a prop firm to buy casually because the entry fee looks cheap. It is a firm to use when your trading plan already fits the model you choose.
FundingPips FAQ
Is FundingPips legit?
FundingPips appears to be an active and widely used CFD prop firm with public rules, a large Trustpilot profile, multiple platforms, and documented reward processes. It is not risk-free. Traders should read the exact model rules before buying, especially payout, news, weekend, and risk-per-trade rules.
What is the best FundingPips model?
The 2 Step model is the best starting point for most traders because it has a 10% maximum loss limit, 5% daily loss limit, flexible reward cycles, and a 4th-reward registration fee refund. Zero and 2 Step Pro are better for experienced traders who want a specific tradeoff.
Does FundingPips Zero have an evaluation?
No. FundingPips Zero starts as a Master Account from day one. The tradeoff is stricter risk and reward eligibility rules, including trailing drawdown, 1% max risk per trade, a 15% consistency score, 7 profitable days per 30 days, and a 3% safety cushion.
Can I hold trades over the weekend with FundingPips?
FundingPips currently says weekend holds are permitted in evaluation phases, but Master accounts have a temporary weekend-hold restriction. On Zero, non-crypto weekend holds are a hard breach, while crypto positions may be held over the weekend.
What platforms does FundingPips support?
FundingPips supports MT5, cTrader, and its own MatchTrader portal. MT5 and cTrader have country restrictions for US or Canada users, while FundingPips says MatchTrader is available for US and Canada residents if they are otherwise supported.
What is the FundingPips discount code?
Use FTR for 20% off FundingPips through FundedTrading. Apply the code before payment and confirm the final checkout price because codes and live sales can change.
Does FundingPips refund the challenge fee?
FundingPips says the registration fee is refunded when a trader reaches the 4th reward on a 1 Step or 2 Step Master Account. The refund does not apply to 2 Step Pro or FundingPips Zero.
Why do some traders complain about FundingPips payouts?
Many complaints involve rule interpretation at the funded stage, payout-cycle conditions, slippage, account closures, or alleged rule breaches. FundedTrading could not verify each public complaint, but the pattern shows why traders should review the model-specific payout rules before buying.
Compare FundingPips before you buy
Use FTR for 20% off, but choose the model based on your risk style first and the discount second.
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