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FTMO vs Funding Pipswhich prop firm deserves your challenge fee?
This is prop trading's classic value question: the safest counterparty in the industry versus the most aggressive pricing. FTMO charges roughly triple Funding Pips' $29 entry fee — and for some traders it's worth every dollar, while others are simply subsidizing a brand.
Quick verdict
Safer counterparty
FTMO
Faster payouts
Funding Pips
Better for smaller budgets
Funding Pips
Rule stability
Too close to call
Feature comparison
| Feature |  FTMO |  Funding Pips | Winner |
|---|---|---|---|
| Starting price | $79 | $29 | Funding Pips |
| Challenge model | 1-step, 2-step | 1-step, 2-step, instant | Tie |
| Max funding | $2M | $2M | Tie |
| Max profit split | 90% | 100% | Funding Pips |
| Payouts | On demand | Weekly–monthly (your choice) | Tie |
| Track record | Established 2015 | Established 2022 | FTMO |
| Trader rating | New — no ratings yet | New — no ratings yet | Tie |
| Headquarters | 🇨🇿 Czech Republic | 🇦🇪 United Arab Emirates | Tie |
| Overall score | 81 | 80 | FTMO |
Our verdict
Choose FTMO if you plan to hold serious funded capital and want a decade-long payout record — plus a challenge fee that comes back with your first payout.
Choose Funding Pips if you're building skill and want maximum attempts per dollar — $29 entries and 61,000+ Trustpilot reviews say the model works at scale.
Two traps to compare honestly: Funding Pips' funded-account news rule voids profits within ±5 minutes of high-impact events (FTMO's Standard accounts have a 2-minute restriction), and its weekly payout cycle pays only a 60% split — you need slower cycles or the Hot Seat ladder to reach FTMO-level economics.
FTMO — strengths & weaknesses
Pros
- Ten-year payout record, now backed by ownership of the OANDA brokerage group
- On-demand payouts averaging ~8 hours to process, with the challenge fee refunded at first payout
- New 1-Step Challenge pays 90% from the first payout; 2-step rules unchanged and time-unlimited
- Stable, transparent rules that are never applied retroactively — plus the excellent MetriX dashboard
Cons
- Pricing above newer discount-driven rivals
- Standard funded accounts restrict news trading (2-minute window) and weekend holding — you must pick Swing to avoid both
- No futures product, no TradingView or DXtrade; crypto is a handful of CFDs
Funding Pips — strengths & weaknesses
Pros
- Among the cheapest entries in the industry — challenges from $29
- You choose the payout cycle: weekly, bi-weekly, on-demand or 100%-split monthly
- Largest verified review base in forex prop (61k+ Trustpilot) and $274M+ rewarded
- Four platforms: MT5, cTrader, Match-Trader and TradeLocker
Cons
- Funded-account news rule voids profits within ±5 minutes of high-impact events — a frequent dispute trigger
- The weekly payout cycle pays only 60% — reaching 90–100% means slower cycles or consistency rules
- US residents cannot register new accounts
- Master-account rules are stricter than the evaluation, which catches traders off guard
Not sold on either? Browse every firm ranked by research score and build your own head-to-head.
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