FundingPips

FundingPips is a CFD prop firm that sells trading evaluations and instant Master accounts, all running on demo accounts inside a simulated trading environment rather than live brokerage capital. Traders pick a model, size, platform, and currency, then trade under FundingPips rules to reach a Master Account.

FundingPips was founded in 2022 and is led by CEO Khaled Ayesh. Its own help center lists FundingPips Corp as incorporated in the Comoros Union under an International Brokerage and Clearing House License, with FundingPips Services Ltd in Cyprus (company HE 450941) as a related administrative entity, and a registered office in Dubai. As with any prop firm, none of this is a financial license and none of it is required for the business to operate legally.

Five models, not four

FundingPips now sells five models: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro, and Zero. That is more choice than most low-cost CFD firms, but it also means the rule that blocks or reduces a payout depends entirely on which model a trader bought.

FundingPips retired the plain "1 Step" model and replaced it with 1 Step Flex, and added a brand new "2 Step Flex" model alongside the existing 2 Step, which is now called 2 Step Standard. If a review or forum post still describes a weekly, bi-weekly, monthly, or on-demand payout menu on "1 Step," it is describing the old product.

What stayed the same

2 Step Standard kept the old 2 Step's numbers: an 8% or 10% Phase 1 target, a 5% Phase 2 target, 10% max loss, 5% daily loss, and the same weekly, bi-weekly, monthly, or on-demand payout menu. 2 Step Pro and Zero were not part of this rename and run the same rules covered further down this page.

FundingPips currently promotes five models. The broad account size range is $2,500 to $200,000, but not every size sits on every model. The $2,500 size is limited to 2 Step Standard and 2 Step Pro in select countries, and the $200,000 size is limited to 2 Step Pro and Zero.

Live checkout pricing changes by model, size, currency, region, and coupon, so the most reliable approach is comparing rules here and confirming price at checkout with the FTR code applied.

FundingPips' headline numbers are not the real risk. The real risk is buying the wrong model for a trading style and only discovering the funded-stage rules once a reward is close.

The Profit Concentration Policy is new for 2026

On evaluation accounts of $25,000 or more opened on or after June 27, 2026, a single trade idea worth more than 60% of the profit target does not fail the evaluation. It adds a requirement of 4 minimum profitable days, each worth at least 0.5% of the account, before every future reward request on the resulting Master Account. This applies to 1 Step Flex, 2 Step Standard, 2 Step Pro, and 2 Step Flex. It does not apply to Zero, since Zero has no evaluation phase, and it does not apply to evaluation accounts opened before June 27, 2026.

Risk Per Trade Idea can catch scalers on Master accounts

On 2 Step Flex Master accounts, a single trade idea cannot lose more than 3% of the account below $25,000 or 2% at $25,000 and above. Multiple same-direction positions on one instrument, including any position reopened within 10 minutes of closing a loss, are grouped and assessed together. TheTrustedProp's trader-complaint sample flags this grouping rule as the single most cited cause of unexpected account closures.

Evaluation Reset softens a breach

All four evaluation models (1 Step Flex, 2 Step Standard, 2 Step Flex, and 2 Step Pro) now offer an Evaluation Reset at a 10% discount, available for 7 calendar days after a breach caused by trading behavior or a risk violation. The reset keeps the same account number, size, reward cycle, and platform. It does not apply to Zero, to a breached Master Account, or to a closure caused by inactivity.

Open trades do not reset inactivity

A completed trade is required within any 30-day window across every model. Leaving a position open does not count as activity and does not pause the clock.

Weekend holding is still temporarily restricted on Master

Weekend holds are allowed during every evaluation phase with no restrictions. A temporary rule in effect since January 29, 2026 blocks weekend holding on all Master accounts, across every model including Zero. FundingPips closes open positions automatically before the weekend and does not treat this as a hard breach.

News trading uses a 10-minute window on Master accounts

FundingPips uses Forex Factory as its official news source. On Master accounts, trades opened or closed within 10 minutes of a high-impact red-folder event on an affected currency have their full profit removed, not just the portion earned inside the window. Trades opened 5 hours or more before the event are excluded from the restriction. During evaluation phases, there are no news trading restrictions beyond a ban on purposely trading the news itself, which leads to closure.

FundingPips Zero gives direct access to a Master Account with no evaluation phase. That sounds simple, but Zero carries the tightest rule stack in the lineup. It works best as a professional account for traders who already know their risk per trade, expected drawdown, and payout rhythm.

The biggest mistake is buying Zero to skip the challenge, then trading it like a normal evaluation account. Zero suits steady, small-day traders. It is risky for traders whose returns come from one large news win or a handful of concentrated positions.

FundingPips calls trader payouts "rewards." A reward request runs through the dashboard after all trades are closed, pending orders are cleared, and at least 15 minutes have passed since the last trade closed. Reward methods include card, crypto, Rise, and bank transfer, though availability depends on region and minimum thresholds.

Registration fee refunds are narrower than they look at first glance. FundingPips refunds the original registration fee once a trader reaches the 4th reward on a 1 Step Flex or 2 Step Standard Master Account. That refund does not extend to 2 Step Pro, 2 Step Flex, or Zero.

Several current third-party trackers cite FundingPips' Hot Seat scaling program, which can double account balances toward $2 million and raise the split to 100% for consistently profitable traders. [verify: scaling programme terms sourced from third-party trackers, confirm current terms on the FundingPips Rewards page before quoting specific figures]

FundingPips supports MT5, cTrader, and its own MatchTrader portal, which is stronger platform coverage than most budget CFD prop firms.

FundingPips lists forex, metals, energies, indices, and crypto. Commission differs by asset: forex and metals carry a standard $5 per lot ($10 on Swap-Free MT5), energies and indices carry no commission, and crypto uses a 0.04% formula. Zero's standard commission is $7 per lot on forex and metals instead of $5.

FundingPips' checkout accepts coupon codes only before payment. Codes cannot be added after purchase, so apply FTR before completing the order. If FundingPips is running a live sale, compare the final checkout price with and without FTR applied. Check the main FundedTrading prop firm discount codes page for other active offers.

Best for traders who want payout flexibility

2 Step Standard fits traders who want to choose between fast, low-split rewards and slower, higher-split rewards, and who don't mind a two-phase evaluation.

Best for platform-choice shoppers

The MT5, cTrader, and MatchTrader mix gives more choice than most discount-focused prop firms.

Avoid if you already know the old 1 Step numbers

1 Step Flex runs a higher profit target and a flat split. Anyone quoting the old 10%/6%/3% numbers is describing a discontinued product.

Avoid if you trade big single-day spikes

Zero's 15% consistency score and the Profit Concentration Policy on evaluation accounts can make one large winning day count for less than expected.

FundingPips carries a large public reputation footprint. Trustpilot shows a 4.5 rating from more than 60,000 reviews as of July 2026, with the positive majority praising the dashboard, support response, and payout speed. Third-party trackers cite Payout Junction verification of well over $150 million in paid rewards, which is a stronger trust signal than self-reported figures because it comes from an independent tracker rather than FundingPips' own marketing.

The negative pattern is clear enough to flag. Public complaints on Trustpilot, Reddit, and TheTrustedProp concentrate on three areas: the Risk Per Trade Idea grouping rule closing accounts traders felt were within reasonable limits, account terminations tied to alleged Device ID or shared-IP matches with limited evidence provided, and disagreements over whether daily loss is calculated from balance or equity. FundedTrading could not independently verify each individual complaint, but the pattern is consistent enough across sources that it tells traders which rules to read closely before buying.

Legitimacy verdict: FundingPips is an active, widely used prop firm with a large review footprint, a public help center, multiple platforms, and third-party verified reward data. That does not make it risk-free. Treat it as a strict rules-based firm and read the model-specific rules, not a casual funding shortcut.

Traders shopping mostly by price should also read FundedTrading's guide to the cheapest prop firms. For instant access specifically, compare Zero against FundedTrading's FundingPips Zero rules guide and the best instant funding prop firms list.

FundingPips is worth considering in 2026 for traders who want low-cost access, multiple platforms, and a choice between five distinct account models. 2 Step Standard is the cleanest starting point for most traders because it keeps the weekly, bi-weekly, monthly, or on-demand reward menu and the 4th-reward fee refund.

The newer Flex models trade simplicity for tighter payout mechanics. 1 Step Flex gives up the old payout menu for a flat 85% split, and 2 Step Flex asks traders to lock in an 85% or 95% split at purchase with no way to change it later. Zero remains the most misunderstood product on the site: "instant funding" hides a trailing drawdown, a 15% consistency score, and a 7-profitable-day requirement.

Our view: read the model page before buying, not just the price. FundingPips changed its lineup once in 2026 already, and the rules that decide whether a payout goes through sit inside the model-specific fine print, not the headline numbers.