Funding Pips
🇦🇪 United Arab EmiratesThe volume king — $29 challenges, 61,000+ Trustpilot reviews and payout cycles you pick yourself.
- Max funding
- $2M
- Profit split
- up to 100%
- Payouts
- Weekly–monthly (your choice)
- Challenges from
- $29
- Funding models
- 1-step, 2-step, instant
- Platforms
- MT5, cTrader, Match-Trader, TradeLocker
- Headquarters
- 🇦🇪 United Arab Emirates
- Founded
- 2022
Our Funding Pips review
Funding Pips built its reputation on price and has since built the largest review footprint in forex prop: 61,000+ Trustpilot reviews at 4.5, with $274M+ in rewards paid. Challenges start at $29, and the evaluation menu now spans 2-Step (Standard, Pro and Flex variants), 1-Step, and the Zero instant-funding model.
The most distinctive feature is choice at payout time: on funded accounts you select your own reward cycle — 60% split weekly, 80–95% bi-weekly, 90% on demand (with a 35% consistency rule), or 100% monthly. The firm survived its February 2024 MetaQuotes cutoff by migrating platforms fast, and regained MT5 in March 2025 under its own direct license; today you trade on MT5, cTrader, Match-Trader or TradeLocker.
Read the funded-account fine print carefully: profits from trades opened or closed within five minutes of high-impact news are not counted, third-party EAs are banned, and rules are stricter on Master accounts than in evaluation — the recurring themes in negative reviews. US residents cannot register. As value-for-money entry into funded trading, though, it remains among the best.
Pros & cons
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
Good to know
- February 2024: MetaQuotes abruptly cut the firm's MT4/MT5 access; service migrated to Match-Trader/cTrader within a week, and MT5 returned in March 2025 under Funding Pips' own direct MetaQuotes license.
- Largest Trustpilot profile in forex prop — 61,000+ reviews — with $274M+ in rewards reported by July 2026.
- US residents cannot register new accounts (fallout from the 2024 regulatory crackdown on prop firms serving US clients).
- Funded-account news rule: profits from trades opened/closed within ±5 minutes of high-impact news are not counted — the most common payout-dispute trigger.
Challenge rules
| Program | Sizes | From | Target | Daily loss | Max loss | Min days | Time limit | Leverage |
|---|---|---|---|---|---|---|---|---|
| 2-Step Standard2-Step | $5K–$100K | $29 | 8% / 5% | 5% | 10% static | 3 per phase | None | 1:100 |
| 2-Step Pro2-Step | $5K–$100K | — | 6% / 6% | 3% | 6% | 3 per phase | None | 1:100 |
| 2-Step Flex2-Step | $5K–$100K | — | 10% / 6% | 4% | 12% | None | None | 1:100 |
| 1-Step1-Step | $5K–$100K | — | 10% | 3–4% | 6% | None | None | 1:100 |
| Zero (Instant)Instant 95% split, bi-weekly payouts; 15% consistency on on-demand rewards | $5K–$100K | — | None | 3% | 5% trailing | None | None | 1:100 |
2-Step Standard: 8% / 5% targets, 10% max drawdown, 5% daily, 3 minimum trading days per phase. 2-Step Pro: 6% / 6% targets, 6% max, 3% daily. 2-Step Flex: 10% / 6% targets, 12% max, 4% daily, no minimum days. 1-Step: 10% target, 6% max drawdown, 3–4% daily. Zero (instant): no target, 5% trailing drawdown, 3% daily.
No time limits anywhere. On funded accounts: no third-party EAs, and profits from trades opened/closed within ±5 minutes of high-impact news are not counted (unless the position was opened 5+ hours earlier).
Payouts & profit split
Pick your reward cycle on funded accounts: 60% weekly, 80–95% bi-weekly, 90% on demand (35% consistency rule), or 100% monthly. Zero instant accounts pay 95% bi-weekly. Payouts go out via Rise, cards or crypto — typically within hours to 24h.
Scaling plan
The Hot Seat elite tier unlocks after 16 successful rewards with 40% cumulative profit: your balance doubles, the split rises to 100%, on-demand payouts unlock, a $100–500 monthly bonus kicks in, and capital access scales up to $2M. Standard allocation caps at $300K simultaneous.
Funding Pips on YouTube
Independent reviews and payout proofs — not produced by Funding Pips or by us.
Funding Pips Review Updated for 2026 | My Experience After Receiving Payouts
Trade With Jem · YouTube
FundingPips Prop Firm Review (2026) | Rules and Challenge Explained
Prop Firm Match · YouTube
FundingPips Honest Review & Payout Proof
The Prop Journalist · YouTube
Funding Pips Payout Proofs (Withdrawal using Rise Works)
Crilex Trading · YouTube
FundingPips Review 2026 — New Rules & 2-Step Pro Challenge Explained
H2T Funding · YouTube
Frequently asked questions
What is the cheapest Funding Pips challenge?
Small-account evaluations start around $29 before discount codes — the lowest list pricing among major firms.
Does Funding Pips really pay 100%?
Yes — by selecting the monthly reward cycle, or permanently via the Hot Seat tier after 16 successful rewards.
Why was my news-trade profit not counted?
On funded accounts, profits from trades opened or closed within 5 minutes of high-impact news are excluded unless the position was opened at least 5 hours before the event. This is the most common payout dispute — plan around the calendar.
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