Head to head · Oct 2026
FTMO vs FundingPips
FTMO grades higher overall, 7.6 to 5.9. Across 21 measurable rows, FTMO comes out ahead on 13 and FundingPips on 3.
Still the benchmark for getting paid, but read the risk clauses before you size up
FundingPips pays fast and sells cheap, but 2026's rule churn and device-ID bans demand caution
Key differences
In short
- A $100K evaluation is cheaper at FundingPips ($444 vs $567 at FTMO).
- FTMO has the stronger payout record (8.4 vs 6.5).
- FundingPips carries more hidden-rule risk (5.8 vs 4.8), led by: device-id (cid) matching can end funded accounts.
- FTMO allows more capital ($2,000,000 vs $400,000).
- Only FundingPips sells instant programs.
- MT4, TradingView, NinjaTrader, Tradovate are only available at FTMO.
- Match-Trader is only available at FundingPips.
FTMO vs FundingPips, side by side
The better value in each row is marked
| Criterion | ||
|---|---|---|
| Grade | ||
| Overall score | A7.6 | C5.9 |
| Payouts | 8.4 | 6.5 |
| Rules & transparency | 6.0 | 4.5 |
| Reputation | 8.6 | 5.5 |
| Trading conditions | 6.8 | 6.5 |
| Support | 7.6 | 6.0 |
| Platforms & execution | 7.6 | 6.5 |
| Evidence | ||
| Trustpilot | 4.8 (53K) | 4.5 (70K) |
| Pass rate | 10%Reported | 10%Estimate |
| Hidden risk | 4.8 HighHidden risk 4.8 out of 10, High | 5.8 Very highHidden risk 5.8 out of 10, Very high |
| Negative recent reviews | 1.5% | 12.5% |
| Offer | ||
| $100K challenge | $567 | $444 |
| Cheapest account | $90 | $33 |
| Max allocation | $2M | $400K |
| Max profit split | 90% | 100% |
| Payouts | Every 14 days per FTMO Account (immediate for Supreme… | Weekly (2 Step Pro at 80%, 2 Step Standard at 60%)… |
| Programs | 1-step, 2-step | instant, 1-step, 2-step |
| Current offer | 20% OFF | 10% OFF· FP |
| Company | ||
| Headquarters | Prague, Czech Republic | Dubai, United Arab Emirates |
| Years in business | 11 | 4 |
| Trading | ||
| Platforms | MT4, MT5, cTrader, TradingView, NinjaTrader, Tradovate | MT5, cTrader, Match-Trader |
| Assets | Forex, Indices, Metals, Commodities, Energies, Crypto, Stocks, Futures | Forex, Indices, Metals, Energies, Crypto |
| EAs | Restricted | Restricted |
| News trading | Restricted | Restricted |
| Weekend holding | Restricted | Restricted |
| Copy trading | Restricted | Restricted |
| Hedging | Restricted | Not allowed |
Prague, Czech Republic
Dubai, United Arab EmiratesWhich should you choose?
By trading style
| You are… | Pick | |
|---|---|---|
| Beginners | Either | FTMO: No time limit, a free trial and clear 2-Step rules help learners, but fees from about $90 to $1,226 and a 10% first target make repeat attempts costly. |
| Experienced traders | FTMO | A static 10% drawdown, scaling to $2M and an 11-year payout record suit disciplined traders who keep risk near 1% per idea. |
| Swing traders | FTMO | Swing accounts allow news, overnight and weekend holds, but only on the 2-Step up to $100K, at 1:30 leverage and with swap costs. |
| Scalpers | Either | FTMO: Scalping is allowed, but a simulated delay of up to 200 ms plus frequent complaints about slippage and gold spreads hurt short-term edges. |
| EA & algo traders | FTMO | EAs are allowed within 2,000 server requests a day, but third-party EAs risk the $400K per-strategy cap shared with other users. |
| News traders | FTMO | News trading is free in evaluations and on Swing and futures accounts, but funded Standard accounts block trades 2 minutes either side of major releases. |
Verdicts
FTMO verdict
Still the benchmark for getting paid, but read the risk clauses before you size up
Best for: Disciplined day and swing traders who risk about 1% per trade idea and value an 11-year payout record over the cheapest fee.
Avoid if: You pass challenges with oversized positions, run copy or group setups across accounts, or need rules that cannot be tightened after you pass.
FundingPips verdict
FundingPips pays fast and sells cheap, but 2026's rule churn and device-ID bans demand caution
Best for: Disciplined intraday forex traders on one personal device who want cheap 2-step entry and weekly or bi-weekly payouts
Avoid if: You hold trades overnight without the Swing add-on, share devices or networks with other traders, run EAs on a VPS, or trade news
FTMO vs FundingPips FAQ
Questions traders ask
Is FTMO better than FundingPips?
On our grading FTMO scores higher overall (7.6 vs 5.9, grade A vs C). The better choice depends on your style: compare the rules rows above before buying.
Which is cheaper, FTMO or FundingPips?
At list price a $100K evaluation costs $567 at FTMO and $444 at FundingPips, so FundingPips is cheaper. The smallest accounts start at $90 and $33. Discounts change often, so check the offers page.
Which pays out more reliably, FTMO or FundingPips?
FTMO has the stronger payout score (FTMO 8.4 vs FundingPips 6.5). FTMO pays every 14 days per ftmo account (immediate for supreme premium traders); futures cycles need 4-5 qualifying days; FundingPips pays weekly (2 step pro at 80%, 2 step standard at 60%), bi-weekly (80% on flex models and 2 step standard, 95% on 2 step flex 95% and zero), on-demand 90% (2 step standard) and monthly 100% on challenge models with conditions.
Which has fewer hidden rules, FTMO or FundingPips?
FTMO has the lower Hidden Risk score (FTMO 4.8, high; FundingPips 5.8, very high). Each review lists the specific rules behind the score.
Is it easier to pass FTMO or FundingPips?
FTMO: 10% (reported). FundingPips: 10% (estimate). Estimates are a guide to difficulty only; drawdown type and daily loss rules matter as much as the target.
Compare FTMO or FundingPips with another firm
More head-to-heads
- FTMO vs FundedNext
- FTMO vs BrightFunded
- FTMO vs The5ers
- FTMO vs Top One Trader
- FTMO vs Alpha Capital Group
- FTMO vs For Traders
- FTMO vs AquaFunded
- FTMO vs Goat Funded Trader
- FundingPips vs FundedNext
- FundingPips vs BrightFunded
- FundingPips vs The5ers
- FundingPips vs Top One Trader
- FundingPips vs Alpha Capital Group
- FundingPips vs For Traders
- FundingPips vs AquaFunded
- FundingPips vs Goat Funded Trader