FundingPips review

1 Step Flex: 12% profit target, 3% daily loss limit, 12% maximum loss. 2 Step Standard: 8% and 5% profit targets, 5% daily loss limit, 10% maximum loss. 2 Step Flex: 10% and 6% profit targets, 4% daily loss limit, 12% maximum loss. 2 Step Pro: 6% and 6% profit targets, 3% daily loss limit, 6% maximum loss. Zero: no profit target, 3% daily loss limit, 5% trailing maximum loss.

Since 29 January 2026 a temporary FundingPips rule closes open positions on Master accounts of the 1 Step Flex, 2 Step Standard, 2 Step Flex and 2 Step Pro models automatically at the Friday market close.

Daily loss is calculated from the higher of opening balance and equity; 1 Step Flex resets at 00:00 UTC+3. The maximum loss limits are static for the four evaluation models.

Standard evaluation accounts may hold and manage trades through news, but purposeful news trading is prohibited. Master accounts use soft-breach restrictions five minutes around high-impact news and 10 minutes around speeches, with a five-hour pre-event exception. Zero treats restricted news trading as a hard rule; Prime allows news trading.

Evaluation accounts may hold through weekends but may not open or close trades on weekends. The temporary Master closure rule is not a hard breach and does not create a valid trading day. Zero weekend holding is a hard breach. Overnight holding is not generally prohibited; rollover and swaps follow the published timing rules.

Third-party EAs may only manage trades or risk; fully automated third-party EAs are prohibited. An own fully automated EA requires evidence such as source code, version history and developer records. The 1K Instant Account has an exception for third-party EAs and trade copiers; monthly competition accounts prohibit all EAs.

Copying between accounts owned by the same person is allowed. Copying between different users, inbound external signals or copiers, coordinated Master trading and third-party account management are prohibited.

Prohibited strategies include hedging, long-short or reverse arbitrage, gap trading, high-frequency or server-spam activity, latency or toxic-flow exploitation, tick scalping, server-execution exploitation, opposite-account trading and churning or burning.

On newer evaluations of $25,000 or more, one trade idea exceeding 60% of the phase target can trigger a requirement for four profitable Master days before a reward. Monthly 100% cycles require 35% consistency and seven profitable days; Zero has a 15% consistency ceiling.

FundingPips offers five trading models: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and Zero.

Challenge fees start from $29 for a $5,000 account.

1 Step Flex fees: $66 ($5,000), $99 ($10,000), $211 ($25,000), $313 ($50,000), $533 ($100,000).

2 Step Standard fees: $36 ($5,000), $66 ($10,000), $177 ($25,000), $299 ($50,000), $522 ($100,000).

2 Step Flex fees with the 85% reward split: $32 ($5,000), $59 ($10,000), $159 ($25,000), $269 ($50,000), $499 ($100,000).

2 Step Pro fees: $29 ($5,000), $55 ($10,000), $134 ($25,000), $224 ($50,000), $422 ($100,000), $844 ($200,000).

Zero fees: $60 ($5,000), $88 ($10,000), $188 ($25,000), $244 ($50,000), $444 ($100,000), $888 ($200,000).

1 Step Flex has one evaluation phase, no minimum trading days and an 85% bi-weekly reward split. The first reward is available 14 calendar days after the first Master trade.

2 Step Standard has two evaluation phases and three trading days in each phase. Its On Demand option pays a 90% split after 2% Master profit and 35% consistency. Weekly rewards pay 60% after seven days, bi-weekly rewards pay 80% after 14 days, and eligible monthly rewards pay 100% after 30 days and the required conditions. The fees are the same for the weekly and On Demand options.

2 Step Flex has two phases. The default 85% path requires one trading day per phase; the 95% path requires three profitable days per phase. Bi-weekly rewards start 14 days after the first Master trade; the 95% path also requires three profitable days.

2 Step Pro has two phases, with two trading days per phase for new or reset accounts from 26 August 2026; older accounts retain the one-day rule. Its weekly reward split is 80%, with the first reward seven calendar days after the first Master trade.

Zero opens directly as a Master account, with no evaluation target. It pays 95% bi-weekly, starting 14 days after the first Master trade, subject to a 15% consistency ceiling, seven profitable days, a 3% safety cushion and the loss/win condition. Each of the seven profitable days in a rolling 30-day period must earn at least 0.25%. Its 5% trailing maximum loss locks at breakeven after 5% profit.

All five models have no evaluation expiry, but inactivity for 30 consecutive days applies. Standard FX leverage is 1:100, metals 1:30, energies 1:10, indices 1:20 and crypto 1:2. Zero uses FX 1:50, metals, energies and indices 1:10, and crypto 1:2.

Monthly 100% reward cycles apply to eligible evaluations purchased on or after 15 August 2026 and require 35% consistency and seven profitable days. The 2 Step Standard registration fee is refunded with the fourth reward; the other four models do not offer that fourth-reward refund.

Prime accounts open by invitation or after the third reward, pay rewards daily at an 80% split and scale up to $2 million.

Prime trading opens after KYC and the Prime Account Agreement. A ×12.5 multiplier applies to the amount moved at unlock, and the Master account closes when Prime opens. Prime publishes a soft daily loss limit of 2%, an 8% trailing maximum loss, leverage up to 1:2000, and a minimum reward of 1% of Prime size including the split. The first four scale-ups add 10% size after 5% profit per step; the fourth also requires four profitable days of at least 1%. From the fifth scale-up, 10% profit and 10 profitable days of at least 1% are required. News trading and weekend holding are allowed.

The free MT5 trial mirrors 2 Step Standard or 2 Step Pro, lasts 14 calendar days per phase and allows one trial at a time. It carries no profit entitlement or route to Master. The free monthly Match-Trader competition uses a $100,000 simulated account for one month, allows one account, has a 10% maximum overall loss and prohibits all EAs.

Reward methods include card, crypto, Rise, bank transfer, Buy a Challenge reinvestment and Tradin Transfer. Crypto methods include USDT and USDC on ERC20.

The general minimum reward is 1% of Master size including the firm split; On Demand requires 2%. Rise and bank transfer each have a $500 minimum.

KYC is required before full Master access, using government photo ID, proof of address dated within three months and a selfie. Automated KYC usually takes minutes; FundingPips review and onboarding can each take up to two working days.

The minimum age is 18. FundingPips does not accept traders resident in Iran, Vietnam or the United Arab Emirates. Its terms also refer to FATF and EU/UN sanctions lists.

The platforms are MT5, cTrader and Match-Trader. Swap-free accounts are available on MT5 only.

The firm lists 41 instruments: seven FX majors, 21 FX crosses, two metals, seven indices, two energies and two crypto instruments. Examples include EURUSD, GBPUSD, USDJPY, XAUUSD, XAGUSD, FTSE100, GER40, UKOIL, USOIL, BTCUSD and ETHUSD.

Standard FX and metals commissions are $5 per lot, or $10 on swap-free MT5. Zero charges $7 per lot for standard FX and metals and $10 swap-free. Energies and indices have no commission; crypto commission is 0.04%.

FundingPips advertises raw spreads from 0.0 pips on its homepage.

FundingPips dates its founding to 2022 and names Khaled Ayesh as its owner, CEO and founder.

Its terms name FundingPips Corp, company number HY01223081, incorporated in the Comoros Union, with an address at Bonovo Road, Fomboni Island of Mohéli, Comoros Union.

FundingPips lists its address as Premises No. 19948-001, IFZA Business Park, DDP, Dubai, UAE, and does not accept traders resident in Iran, Vietnam or the United Arab Emirates.

Funding Pips Services Ltd is registered in Cyprus under number HE 450941.

The firm lists the Cyprus entity as a non-operational support and administrative office at 15 Dimitriou Karatasou Street, Anastasio Building, 6th Floor, Office 601, 2024 Strovolos, Nicosia.

FundingPips describes Tradin, a broker built by the team behind FundingPips, as its regulated broker.

FundingPips says all of its accounts are simulated demo accounts and that it does not offer brokerage services or real trading accounts on its website.

Support is available through support@fundingpips.com, live chat and the Discord community.

Rated 4.5 out of 5 on Trustpilot from more than 69,000 reviews in September 2026.

FundingPips says it has paid out more than $300 million in rewards.

In February 2024 FundingPips paused its services, saying MetaQuotes had halted the MetaTrader service it used, and relaunched on Match-Trader later that month.