FundingPips review
United Arab EmiratesDubai-based CFD prop firm selling 1-step, 2-step and instant accounts since 2022
Our grade
Average
5.9 / 10 · ranked #5 of 10
FundingPips is one of the largest CFD prop firms in the world, and it pays quickly: PropFirmMatch's tracker logged 144,537 FundingPips payouts worth $155 million in the year to October 2026, with a median wait of about four hours. The trouble is what happens before the money moves. In 2026 the Dubai firm made at least nine dated rule changes, moved news enforcement onto its own calendar, closed a wave of funded accounts over device-ID matches, and used its terms to push some top traders into a PRIME account that absorbed their pending profit. Cheap entry and fast withdrawals are real, but so is the risk of losing an account to a rule you did not see coming.
FundingPips pays fast and sells cheap, but 2026's rule churn and device-ID bans demand caution
Our verdict
FundingPips gets the basics right where most buyers look first: entry is cheap ($33 for a $5K 2 Step Pro, $466 for $100K), drawdowns on the challenge models are static, there are no time limits, and payouts are fast and frequent. PropFirmMatch's tracker shows a median payout time of about four hours across more than 144,000 payouts in the past year, and weekly or bi-weekly cycles are standard.
The case against it is predictability. In 2026 the firm changed its rules at least nine times, began auto-closing Master positions before weekends and then, for new accounts, every day unless you pay for a Swing add-on, switched news enforcement to its own calendar, and closed many funded accounts over device-ID matches, often near a payout. Its Sept 28 overhaul removed per-trade risk caps for new buyers but, without saying so in the announcement, cut Flex bi-weekly splits from 85% to 80% and raised the 2 Step Flex Phase 2 target to 8%. The T&Cs reserve wide discretion, including mandatory PRIME conversion of profit that cannot then be withdrawn.
Our view: FundingPips suits disciplined intraday traders who trade alone from one device, close positions daily, check the dashboard calendar before every trade and take bi-weekly or weekly payouts rather than chasing the 100% monthly option. Swing traders, EA users who need a VPS, news traders and anyone sharing a household computer should look elsewhere or price in the add-ons and the enforcement risk.
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
Pros
- Fast payouts: PropFirmMatch tracked 144,537 FundingPips payouts worth $155M in the year to Oct 1, 2026, with a median processing time of about 4 hours.
- Low entry prices: $33 for a $5K and $466 for a $100K 2 Step Pro, with code FP taking 10% off for new customers (Oct 2026).
- Static drawdown on every challenge model and no time limits; 2 Step Flex and 1 Step Flex allow a 12% max loss.
- Frequent payout options: weekly 80% on 2 Step Pro, bi-weekly 80% on most models, and 100% monthly cycles.
- Three platforms (MT5 on its own license since March 2025, cTrader, Match-Trader), and US residents can trade via Match-Trader.
- Up to $400K allocation across accounts, Master-account merging and a 20% Phase 1 reset discount within 7 days of a breach on sizes up to $50K.
- Since Sept 28, 2026, new challenge accounts drop the per-trade-idea hard breach and the Profit Concentration rule, and weekly or bi-weekly payouts carry no consistency score.
Cons
- Master accounts close all positions daily (20:45-21:00 UTC in summer) and before weekends unless you buy the roughly 10% Swing add-on at checkout.
- Device-ID (CID) enforcement: dozens of 2026 reviews describe funded accounts terminated near payout because a device fingerprint matched another user.
- News rules follow FundingPips' own calendar; traders report medium-rated events treated as Restricted, and Zero accounts are closed for any trade in the window.
- At least nine dated rule changes in 2026; the Sept 2026 overhaul cut Flex bi-weekly splits from 85% to 80% and raised the 2 Step Flex Phase 2 target from 6% to 8%.
- The 100% monthly cycle requires a 35% consistency score, 7 profitable days of 0.5%+ and a 1% per-trade-idea Striking System.
- T&Cs let FundingPips move you into PRIME without consent; the profit used to open it cannot be withdrawn and all other accounts close.
- Offshore structure: the contracting entity is registered in the Comoros, disputes go to Dubai courts, and the T&Cs say rewards are not a company liability.
FundingPips scorecard
How we graded it
Weighted score 5.9/10 → grade C
Methodology →- Payouts 25%6.5
Fast and high-volume (median about 4 hours across 144,537 tracked payouts in a year), but recurring terminations near payout and the 2026 PRIME conversions keep it out of the top band.
- Rules & transparency 20%4.5
Bi-weekly cycles are now simple, but 2026 brought at least nine rule changes, some applied to existing accounts, plus device-ID enforcement, an in-house news calendar and contradictory documents.
- Reputation 20%5.5
Four years old with a named CEO and huge scale, but an offshore Comoros entity, a 2024 Trustpilot suspension, the 2026 PRIME controversy and a review profile carried by invitations.
- Trading conditions 15%6.5
Cheap 2 Step Pro ($466 per $100K) and static challenge drawdowns, but like-for-like prices rose 11-25% since July 2026, default splits are 80%, and holding overnight costs a roughly 10% add-on.
- Support 10%6.0
24/7 live chat and a 99% reply rate to negative reviews, yet about 28% of recent one-star reviews describe templated replies and no escalation.
- Platforms & execution 10%6.5
MT5, cTrader and Match-Trader, but US traders get Match-Trader only, and reviews report heavy slippage on metals and tiered leverage down to 1:5 on Master accounts.
Who is FundingPips for?
Fit by trading style
Beginners
OK with caveatsPrices from $33 and static drawdowns help, but frequent rule changes, the in-house news calendar and device-ID enforcement punish anyone who skips the fine print.
Experienced traders
OK with caveatsFast payouts and a $400K allocation suit them, but 1%-per-idea guidance, 'gambling' reviews and possible mandatory PRIME conversion add risk for anyone who sizes up.
Swing traders
Poor fitMaster accounts auto-close every position daily and before weekends unless you pay about 10% more for the Swing add-on, which also cuts FX leverage to 1:30 and doubles commission.
Scalpers
OK with caveatsIntraday scalping is allowed at $5 per lot on FX, but tick scalping and HFT are banned and traders report wide slippage on gold and silver.
EA & algo traders
Poor fitThird-party EAs may only manage trades, your own EA needs proof of ownership, and VPN or VPS connections are banned.
News traders
Poor fitMaster profits within 5 minutes of Restricted news (10 for speeches) are deducted, Zero closes the account for any news trade, and the firm's own calendar decides what is restricted.
What traders say about FundingPips
Trustpilot · 400 reviews analyzed
Trustpilot TrustScore
69,512 reviews
- · Claimed since October 2022; pays for a Trustpilot subscription and invites customers to review.
- · 31,007 of the 35,917 reviews from the past 12 months (86%) came through automatic invitations and average 4.74 stars; the 4,910 organic reviews average 3.19 stars and 42% are one-star.
- · Replies to 99% of negative reviews, typically within 2 days; Trustpilot notes the firm may use AI-assisted replies.
- · Flagged 495 reviews in 12 months (93% of them one-star); Trustpilot removed 259 after reviewers did not respond and found 227 flags invalid.
- · Trustpilot temporarily suspended the profile in June 2024 over a review surge tied to media attention.
- · Listed in the 'Educational Institution' category; 2-star share shown as under 1%.
Recent sentiment
Trend: declining200 most recent reviews, Sep 29, 2026 – Oct 1, 2026 · 83% verified
2026-02: 11.5% negative, average 4.46, 3595 reviews; 2026-03: 9.1% negative, average 4.53, 3576 reviews; 2026-04: 9.7% negative, average 4.51, 2906 reviews; 2026-05: 8.5% negative, average 4.57, 3079 reviews; 2026-06: 8.6% negative, average 4.56, 3905 reviews; 2026-07: 11.4% negative, average 4.45, 3542 reviews; 2026-08: 11.4% negative, average 4.45, 2921 reviews; 2026-09: 12.8% negative, average 4.4, 2858 reviews
Most reported issue · 30% of complaints
Accounts closed over device-ID or linked-trading flags
About 30% of the 200 latest one-star reviews describe Master or evaluation accounts closed because FundingPips matched the trader's device ID (CID) to other users or alleged copy or reverse trading, often days before a payout, with appeals rejected as final.
Most praised · 38% of positive reviews
General trust and recommendation
About 38% of recent 4-5 star reviews call FundingPips trustworthy or the best prop firm, mostly in a line or two; 64% of five-star reviews in the sample are under 80 characters.
Complaint themes · 200 negative reviews
- Device-ID (CID) and linked-account terminations30%
Funded or evaluation accounts closed because the trader's device fingerprint matched other users, or for alleged copy or reverse trading with unknown accounts; reviewers say the evidence was thin and appeals were final.
- Support handling of disputes28%
Templated or AI-style replies, refusals to escalate to risk or IT teams, and cases left open for weeks; one trader posted near-daily updates counting the days since a July 17 termination.
- News breaches under FundingPips' own calendar22%
Traders found no red-folder event on Forex Factory, but FundingPips' dashboard calendar marked a speech or minor release as Restricted, sometimes added during the day; Zero accounts were closed outright.
- Account closed or profit removed near payout16%
Accounts terminated or profits deducted days before a scheduled reward, or rewards paused for compliance interviews.
- Rule changes and trade-idea limits14%
Complaints about the Striking System and 1-1.2% trade-idea caps on Master accounts, consistency conditions on monthly payouts, weekend auto-closing and forced PRIME moves.
- Slippage, stop-loss fills and spreads12%
Stops filled well beyond the set level on gold, silver and GBP pairs, spread spikes and rollover wicks that traders say pushed accounts through daily loss limits.
- KYC rejections and refused refunds11%
KYC declined for duplicate profiles or previously used ID documents, and refund requests refused even when no trade had been placed.
Praise themes · share of 4–5★ reviews
- Helpful, quick support21%
Reviewers name agents who explained rules, fixed activation problems or answered quickly on live chat.
- Smooth platform and execution18%
Easy dashboard and platforms with few glitches; a minority also praise spreads.
- Clear, simple rules10%
Traders on bi-weekly accounts describe only the daily and max loss limits to watch.
- Fast payouts6%
First rewards received within minutes, hours or the same day.
- Beginner-friendly4%
First-time challenge buyers who passed Phase 1 cite the interface and low prices.
Red flags in the reviews
- · 86% of the last 12 months' reviews came through automatic invitations (average 4.74 stars); the 4,910 organic reviews average 3.19 stars with 42% one-star.
- · The one-to-two-star share reached a 12-month high of 12.8% in September 2026, and the organic one-star share hit 52%.
- · FundingPips flagged 495 reviews in 12 months, 93% of them one-star; Trustpilot removed 259 when reviewers did not respond and found 227 flags invalid.
- · Trustpilot temporarily suspended the profile in June 2024 over a review surge linked to media attention.
- · 64% of five-star reviews in the recent sample are under 80 characters.
- · Dozens of September 2026 one-star reviews describe Master accounts terminated over device-ID matches close to a payout.
Our read of the reviews
FundingPips' 4.5 TrustScore rests on invited reviews. Of the 35,917 reviews posted in the 12 months to Oct 1, 2026, 31,007 (86%) arrived through Trustpilot's automatic invitations and average 4.74 stars with 3.5% one-star; the 4,910 organic reviews average 3.19 stars and 42% are one-star. Our recent sample of 200 reviews covers only Sept 29 to Oct 1 because the firm collects close to 100 reviews a day; 82.5% are verified and 64% of the five-star reviews are under 80 characters, so the monthly series uses Trustpilot's own 12-month data for all 35,917 reviews.
The trend is negative. The one-to-two-star share rose from 8.5% in May 2026 to 11.4% in July and August and 12.8% in September, the highest in 12 months, while the organic one-star share hit 52% in September. The latest 200 one-star reviews (Sept 15 to Oct 1) are dominated by funded-stage enforcement rather than failed challenges: device-ID or linked-trading terminations (about 30%), support that repeats templates and won't escalate (28%), news breaches judged by FundingPips' own calendar (22%, many on Zero), closures or deductions near a payout (16%), rule changes such as the Striking System and weekend auto-closing (14%), and slippage or stop-loss fills (12%).
The praise is real but thin on detail: about 38% of positive reviews are short endorsements, 21% thank named support agents, 18% like the platform, and only 6% describe fast payouts, though those that do report payment within minutes or hours. Read the long one-star reviews before buying: the common thread is losing a funded account at the payout stage to a rule the trader did not expect.
Method: we collected the 200 most recent Trustpilot reviews plus the most recent 200 1–2★ reviews, classified every review by theme and read the samples by hand. Shares are of the stated sample. How we analyze reviews
FundingPips pass rate
How hard is it to pass?
Challenge pass rate
10%
~10% (our estimate)
Bar = this firm · line = average of the 10 firms we grade (10.1%)
FundingPips does not publish pass rates. We estimate about 10% of challenge attempts reach a Master account by comparing its 2-step models (8%+5% or 6%+6% targets, 3-5% daily limits) with published figures: E8 Markets reported 11% on its 2-step in November 2025 (via The Prop Journalist), and FPFX Tech data on 300,000 accounts at 10 firms (Finance Magnates, 2024) found 14% of traders, not attempts, passed and 7% reached a payout. Zero is instant funding and has no pass rate.
Basis: Our estimate from the challenge rules
FundingPips hidden rules
The fine print
Hidden Risk score
5.8/10
Very high risk
Average: 6.3
Most FundingPips losses we found were not failed challenges but enforcement at the funded stage: device-ID matches, news breaches judged by the firm's own calendar, daily auto-closes on Master accounts without the Swing add-on, and Monthly-cycle conditions the help center still lists after a September 2026 announcement said they were gone. The T&Cs add broad discretion, including mandatory PRIME conversion of profit that cannot be withdrawn.
- highaccount
Device-ID (CID) matching can end funded accounts
Accounts whose device fingerprint matches another registered user are treated as shared or coordinated and terminated; traders report the check often lands at the Master or payout stage, with appeals declared final. Device-ID and copy/reverse-trading terminations were the top theme (about 30%) of the 200 latest one-star Trustpilot reviews.
Source - highnews
News windows set by FundingPips' own calendar
Only the dashboard Economic Calendar counts. Master accounts lose profit on trades opened or closed 5 minutes either side of Restricted news (10 minutes for speeches) unless opened 5+ hours earlier, and on Zero any trade in a 10-minute window is a hard breach. Traders report events rated medium elsewhere being restricted and events added during the day.
Source - highstrategy
Master accounts auto-close positions daily without the Swing add-on
On 1 Step Flex and 2-step Master accounts bought since Sept 28, 2026, the system closes every open position at 20:45-21:00 UTC in summer (21:45-22:00 in winter) and before weekends unless the roughly 10% Swing add-on was bought at checkout. Closed days don't count as trading days, and the add-on raises commission to $10 per lot and cuts FX leverage to 1:30.
Source
Does FundingPips pay out?
Payout score 6.5/10
- Profit split
- 60% – 100%
- Frequency
- 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
- First payout
- 7 days after the first Master trade on weekly cycles, 14 days on bi-weekly, 30 days on monthly
- Processing time
- Usually same day; PropFirmMatch's tracker shows a median of about 4 hours. Official window is 1-3 working days plus 1-2 days for funds to arrive
- Minimum
- 1% of the account size; $500 minimum via Rise or bank transfer
- Methods
- Visa/Mastercard card payout (incl. Pay to Card), Crypto (USDT/USDC on ERC20), Rise, Bank transfer (selected countries), Tradin transfer with 30% trading credit, Reward used to buy a new challenge
- Guarantee
- No time guarantee or compensation; the firm advertises a 'Zero Reward Denial' policy
- Paid out (claimed)
- $314M+ in rewards (company claim, Oct 2026)
Payout mentions in recent reviews
36 of the latest 200 reviews talk about payouts.
1M in the 365 days to Oct 1, 2026, with a median of about four hours and one reported delay, and fast-payout praise is common on Trustpilot. The weak spot is accounts closed before the money is paid.
FundingPips challenges and prices
7 programs · list prices
1 Step Flex (2% daily loss)
1-step · CFD
- Profit target
- 12%
- Daily loss
- 2%
- Max loss
- 12% static
- Min. days
- 0
- Time limit
- Unlimited (account closes after 30 days without a completed trade)
- Profit split
- 80% bi-weekly, or 100% on the monthly cycle
- Payouts
- Bi-weekly at 80% or monthly at 100%
- News
- Restricted
- Fee refund
- No
Consistency rule: None on the bi-weekly 80% cycle for purchases since Sept 28, 2026. Monthly 100% requires a 35% consistency score (no day above 35% of profit), 7 profitable days of 0.5%+ and places the account under the 1% Striking System. The help center still says the Striking System also applies on bi-weekly.
| Account | 5K | 10K | 25K | 50K | 100K |
|---|---|---|---|---|---|
| Price | $52 | $77 | $192 | $269 | $529 |
- · Cheaper of the two 1 Step Flex versions; the 3% daily-loss version costs $22-$137 more.
- · No minimum trading days and no time limit; a 1-day pass is possible.
- · Master positions auto-close daily (20:45-21:00 UTC in summer) and before weekends unless the Swing add-on (about +10%) is bought at checkout; Swap-Free (+10%, MT5 only) requires Swing, and both raise FX/metals commission to $10 per lot and cut FX leverage to 1:30.
- · Resets within 7 days of a breach: 20% off up to $50K, 15% off $100K; Master reset 8% off and restarts at Phase 1.
- · Accounts bought before Sept 28, 2026 keep legacy rules: 3% daily loss, 85% bi-weekly split, Striking System and Profit Concentration Policy.
1 Step Flex (3% daily loss)
1-step · CFD
- Profit target
- 12%
- Daily loss
- 3%
- Max loss
- 12% static
- Min. days
- 0
- Time limit
- Unlimited (account closes after 30 days without a completed trade)
- Profit split
- 80% bi-weekly, or 100% on the monthly cycle
- Payouts
- Bi-weekly at 80% or monthly at 100%
- News
- Restricted
- Fee refund
- No
Consistency rule: None on the bi-weekly 80% cycle for purchases since Sept 28, 2026. Monthly 100% requires a 35% consistency score (no day above 35% of profit), 7 profitable days of 0.5%+ and places the account under the 1% Striking System. The help center still says the Striking System also applies on bi-weekly.
| Account | 5K | 10K | 25K | 50K | 100K |
|---|---|---|---|---|---|
| Price | $74 | $111 | $255 | $353 | $666 |
- · Same 12% target and 12% static max loss as the 2% version, with more daily room for a higher fee.
- · The $100K version listed at $533 in July 2026; it is $666 as of Oct 1, 2026.
- · Master positions auto-close daily (20:45-21:00 UTC in summer) and before weekends unless the Swing add-on (about +10%) is bought at checkout; Swap-Free (+10%, MT5 only) requires Swing, and both raise FX/metals commission to $10 per lot and cut FX leverage to 1:30.
- · Resets within 7 days of a breach: 20% off up to $50K, 15% off $100K; Master reset 8% off.
2 Step Standard (5% daily loss)
2-step · CFD
- Profit target
- P1 8% · P2 5%
- Daily loss
- 5%
- Max loss
- 10% static
- Min. days
- 3
- Time limit
- Unlimited (account closes after 30 days without a completed trade)
- Profit split
- 60% weekly, 80% bi-weekly, 90% on-demand or 100% monthly
- Payouts
- Weekly, bi-weekly, on-demand or monthly, chosen when the Master account is issued
- News
- Restricted
- Fee refund
- Yes
Consistency rule: None on weekly or bi-weekly. On-demand 90% needs a 35% consistency score and 2% minimum profit. Monthly 100% requires a 35% consistency score (no day above 35% of profit), 7 profitable days of 0.5%+ and places the account under the 1% Striking System.
| Account | 5K | 10K | 25K | 50K | 100K |
|---|---|---|---|---|---|
| Price | $44 | $80 | $216 | $349 | $652 |
- · 3 minimum trading days per phase on the 5% daily-loss version.
- · Registration fee refunded with the 4th reward; the only FundingPips model with a refund.
- · Master positions auto-close daily (20:45-21:00 UTC in summer) and before weekends unless the Swing add-on (about +10%) is bought at checkout; Swap-Free (+10%, MT5 only) requires Swing, and both raise FX/metals commission to $10 per lot and cut FX leverage to 1:30.
- · The $100K listed at $522 in July 2026 and is $652 as of Oct 1, 2026; the 10% Phase 1 target version was discontinued on July 24, 2026.
- · Resets within 7 days: Phase 1 20% off up to $50K (15% for $100K), Phase 2 12% off, Master 8% off.
2 Step Standard (3% daily loss)
2-step · CFD
- Profit target
- P1 8% · P2 5%
- Daily loss
- 3%
- Max loss
- 10% static
- Min. days
- 0
- Time limit
- Unlimited (account closes after 30 days without a completed trade)
- Profit split
- 60% weekly, 80% bi-weekly, 90% on-demand or 100% monthly
- Payouts
- Weekly, bi-weekly, on-demand or monthly, chosen when the Master account is issued
- News
- Restricted
- Fee refund
- Yes
Consistency rule: None on weekly or bi-weekly. On-demand 90% needs a 35% consistency score and 2% minimum profit. Monthly 100% requires a 35% consistency score (no day above 35% of profit), 7 profitable days of 0.5%+ and places the account under the 1% Striking System.
| Account | 5K | 10K | 25K | 50K | 100K |
|---|---|---|---|---|---|
| Price | $36 | $66 | $177 | $288 | $544 |
- · Option added Sept 28, 2026: tighter 3% daily loss in exchange for no minimum trading days and a lower fee.
- · Registration fee refunded with the 4th reward.
- · Master positions auto-close daily (20:45-21:00 UTC in summer) and before weekends unless the Swing add-on (about +10%) is bought at checkout; Swap-Free (+10%, MT5 only) requires Swing, and both raise FX/metals commission to $10 per lot and cut FX leverage to 1:30.
2 Step Pro
2-step · CFD
- Profit target
- P1 6% · P2 6%
- Daily loss
- 3%
- Max loss
- 6% static
- Min. days
- 0
- Time limit
- Unlimited (account closes after 30 days without a completed trade)
- Profit split
- 80% weekly, or 100% on the monthly cycle
- Payouts
- Weekly at 80% or monthly at 100%
- News
- Restricted
- Fee refund
- No
Consistency rule: None on the weekly 80% cycle. Monthly 100% requires a 35% consistency score (no day above 35% of profit), 7 profitable days of 0.5%+ and places the account under the 1% Striking System.
| Account | 5K | 10K | 25K | 50K | 100K | 200K |
|---|---|---|---|---|---|---|
| Price | $33 | $62 | $149 | $249 | $466 | $919 |
- · Lowest targets (6% + 6%) but the tightest buffer (6% max loss, 3% daily).
- · No minimum trading days for purchases since Sept 28, 2026; accounts bought Aug 26-Sept 27, 2026 need 2 days per phase.
- · Only challenge model sold at $200K.
- · Master positions auto-close daily (20:45-21:00 UTC in summer) and before weekends unless the Swing add-on (about +10%) is bought at checkout; Swap-Free (+10%, MT5 only) requires Swing, and both raise FX/metals commission to $10 per lot and cut FX leverage to 1:30.
2 Step Flex
2-step · CFD
- Profit target
- P1 10% · P2 8%
- Daily loss
- 4%
- Max loss
- 12% static
- Min. days
- 1
- Time limit
- Unlimited (account closes after 30 days without a completed trade)
- Profit split
- 80% or 95% bi-weekly (chosen at purchase), or 100% on the monthly cycle
- Payouts
- Bi-weekly at 80% or 95%, or monthly at 100%
- News
- Restricted
- Fee refund
- No
Consistency rule: None on bi-weekly 80%. The 95% split needs 3 profitable days of 0.5%+ per phase and per payout cycle. Monthly 100% requires a 35% consistency score (no day above 35% of profit), 7 profitable days of 0.5%+ and places the account under the 1% Striking System.
| Account | 5K | 10K | 25K | 50K | 100K |
|---|---|---|---|---|---|
| Price | $39 | $70 | $188 | $299 | $555 |
- · 80% and 95% versions cost the same; the choice is locked for the life of the account. Minimum days: 1 per phase on 80%, 3 profitable days per phase on 95%.
- · Launched June 18, 2026 with 10% + 6% targets and an 85% split; purchases since Sept 28, 2026 get an 8% Phase 2 target and 80% split.
- · The $100K listed at $499 in July 2026 and $555 as of Oct 1, 2026.
- · Master positions auto-close daily (20:45-21:00 UTC in summer) and before weekends unless the Swing add-on (about +10%) is bought at checkout; Swap-Free (+10%, MT5 only) requires Swing, and both raise FX/metals commission to $10 per lot and cut FX leverage to 1:30.
FundingPips Zero
instant · CFD
- Profit target
- None
- Daily loss
- 3%
- Max loss
- 5% trailing
- Min. days
- None
- Time limit
- No evaluation; 7 profitable days (0.25%+) required in every rolling 30-day period or the account closes
- Profit split
- 95% bi-weekly
- Payouts
- Bi-weekly
- News
- Not allowed
- Fee refund
- No
Consistency rule: 15% consistency score (best day no more than 15% of total profit) to request a reward; first 3% of profit is a non-withdrawable cushion; biggest losing trade may not exceed the biggest winner.
| Account | 5K | 10K | 25K | 50K | 100K | 200K |
|---|---|---|---|---|---|---|
| Price | $60 | $88 | $188 | $244 | $444 | $888 |
- · Opening, closing or holding a trade within 10 minutes of Restricted news, or holding over a weekend, is a hard breach.
- · Risk per trade idea capped at 3% below $50K and 2% at $50K and above, on top of the 1% open-loss limit.
- · Commission $7 per lot on FX and metals; Swap-Free add-on +10% (MT5 only).
- · Reset at 20% off within 7 days of a breach; Zero accounts cannot be merged.
Standard list prices in USD as of Oct 1, 2026, before discounts. Compare challenges across all firms
FundingPips trading conditions
Platforms, assets and what's allowed
- Platforms
- MT5, cTrader, Match-Trader
- Assets
- Forex, Indices, Metals, Energies, Crypto
- Broker / tech partners
- FundingPips Corp MT5 servers (own MetaQuotes license since March 2025), cTrader (Spotware), Match-Trader (FundingPips-branded web portal), Rise (reward payments), Tradin (affiliated broker for reward transfers)
- Leverage
- Up to 1:100 on FX (1:50 on Zero); 1:30 metals, 1:20 indices, 1:10 energies, 1:2 crypto; tiered down to 1:5 on Master metals, indices and energies
- Commissions
- $5 per lot on FX and metals ($7 on Zero; $10 with the Swing or Swap-Free add-on and on PRIME); no commission on indices and energies; crypto 0.04% of notional
- Max allocation
- $400,000
- Scaling plan
- No size-based scaling on Evaluation or Master accounts: all active accounts share one $400K allocation, and Master accounts of the same model can be merged. Top traders can be moved by invitation (mandatory under the T&Cs) into PRIME, where profit after the split times 12.5 sets the account size and each scale-up adds 10% after a 5-10% profit target, up to $2M.
- Pay for a challenge with
- Visa, Mastercard, Apple Pay, Google Pay, PayPal, Skrill, Neteller, Paysafecard, Crypto
- Restricted countries
- Iran, Vietnam, United Arab Emirates, Countries on FATF and EU/UN sanctions lists
- Restricted
EAs / bots · Restricted
Third-party EAs only as trade or risk managers; your own EA can fully automate with proof of ownership; VPN/VPS banned
- Restricted
News trading · Restricted
Allowed in evaluations; on Master, profit within 5 min of restricted news (10 min for speeches) is deducted; hard breach on Zero
- Restricted
Weekend holding · Restricted
Allowed in evaluations; Master accounts auto-close before weekends unless the Swing add-on is bought; banned on Zero
- Restricted
Overnight holding · Restricted
Allowed in evaluations and on Zero; challenge Master accounts auto-close daily at 20:45-21:00 UTC (summer) without the Swing add-on
- Restricted
Copy trading · Restricted
Only between your own FundingPips accounts or outbound to an external account; inbound copying banned
- Not allowed
Hedging · Not allowed
Listed as a prohibited strategy; hedging across accounts, people or firms is explicitly banned
- Restricted
Scalping · Restricted
Ordinary intraday scalping allowed; tick scalping and high-frequency trading banned
About FundingPips
Founded 2022 · Dubai, United Arab Emirates
FundingPips launched in Dubai in 2022 under founder and CEO Khaled Ayesh. Traders contract with FundingPips Corp, a company registered on Moheli in the Comoros (no. HY01223081). Per its site footer it holds an offshore brokerage license (BFX2024004) from the Mwali International Services Authority, whose public verification page lists the license term as ending in January 2026. The site also gives a registered address in Dubai's IFZA Business Park and names a Cyprus support entity, FundingPips Services Ltd. Third-party company directories link the Dubai operation to ANKH Prop FZCO, registered in August 2022. Andria Evripidou, a former Revolut executive who spent five years at the UK's FCA, joined as Group Managing Director in August 2025, and the firm says it employs 200+ people across five offices.
Growth has been steep by the firm's own numbers: $110 million in rewards and 1 million traders in March 2025, $180 million and 2 million traders in November 2025, and $314 million and 3 million traders by October 2026. Around the core business it has built a group: the FundingTicks futures brand, the Tradin brokerage (rewards moved there get a 30% trading credit), the invite-only PRIME program that scales top traders toward $2 million, and FundingPips Labs, which sells limited experimental accounts (none were live on Oct 1, 2026).
The road has been bumpy. MetaQuotes cut off its MT5 access in February 2024, forcing a move to Match-Trader, cTrader and TradeLocker until MT5 returned on FundingPips' own license in March 2025, still excluding US and Canadian residents. Trustpilot temporarily suspended its profile in June 2024 after a surge of reviews tied to media coverage, and in September 2026 Finance Magnates reported that about 70% of a 100-trader PRIME pool had been moved into the program without a choice.
Trader tip
Trade every FundingPips account from one personal device and home network, never route through a VPN or VPS, and keep proof of your device and location; device-ID matches drove the largest share of September 2026 one-star reviews. Before each trade, check the dashboard Economic Calendar for Restricted events rather than Forex Factory, and if you hold trades past the daily auto-close (20:45 UTC in summer), buy the Swing add-on at checkout because it cannot be added later.
FundingPips timeline
Oct 2022 · milestone
FundingPips launches
The Dubai firm claims its Trustpilot profile and opens its Discord community in October 2022 under founder Khaled Ayesh. Source
Jan 23, 2024 · milestone
Offshore brokerage license issued
FundingPips Corp receives license BFX2024004 from the Mwali International Services Authority in the Comoros. Source
Feb 2024 · controversy
MT5 cut off, move to Match-Trader
MetaQuotes ends the partnership and FundingPips migrates accounts to Match-Trader, adding cTrader in March 2024. Source
Jun 7, 2024 · controversy
Trustpilot suspends the profile
Trustpilot temporarily suspends the FundingPips page, citing a rise in reviews linked to recent media attention. Source
Jul 4, 2024 · controversy
DDoS attack disrupts operations
A DDoS attack hits emails and dashboards; the firm says payout processing continues. Source
Mar 17, 2025 · product
MT5 returns on its own license
MT5 comes back after 13 months under FundingPips' own license, excluding US and Canadian clients; the firm cites $110M+ in rewards. Source
Aug 2025 · milestone
Group Managing Director appointed
Former Revolut executive and FCA alumna Andria Evripidou joins as Group Managing Director. Source
Jan 29, 2026 · rule change
Weekend holding banned on Master accounts
A 'temporary' update auto-closes Master positions before every weekend, including on existing funded accounts. Source
Mar 16, 2026 · rule change
Tiered leverage on Master accounts
Metals, indices and energies move to tiered leverage falling to 1:5 above 0.5 lots; crypto drops to 1:1 on Master accounts. Source
May 2026 · product
PRIME launches; T&Cs make it mandatory
PRIME launches in mid-May; T&Cs effective May 15 say a PRIME grant is deemed accepted and cannot be refused. Source
Jun 18, 2026 · product
2 Step Flex launched
New 2-step model with a 12% max loss, 10% and 6% targets and an 85% bi-weekly split. Source
Jun 27, 2026 · rule change
Profit Concentration Policy
If one trade idea makes more than 60% of a phase target, the Master account needs 4 profitable days before each reward (new evaluations). Source
Jul 8, 2026 · milestone
Max allocation raised to $400K
The cap across Evaluation and Master accounts rises from $300K to $400K on all models. Source
Jul 17, 2026 · controversy
Device-ID termination wave
Traders begin reporting mass 'Shared CID' terminations of funded accounts, a theme that dominates one-star reviews through September. Source
Jul 24, 2026 · rule change
10% Phase 1 target retired on 2 Step Standard
The 10%-target version stops being sold; existing 10%-target accounts reset into 2 Step Flex with an 85% split. Source
Jul 26, 2026 · rule change
Per-trade hard breach dropped, prices cut
FundingPips removes the per-trade hard breach on 2 Step Standard 8%/5% accounts and lists $100K prices of $533, $522 and $499 for 1 Step Flex, 2 Step Standard and 2 Step Flex. Source
Aug 15, 2026 · rule change
100% monthly cycle with conditions
Monthly 100% rewards arrive with a 35% consistency score, 7 profitable days of 0.5%+ and a 1% Striking System. Source
Aug 26, 2026 · rule change
Minimum trading days raised
New 2 Step Pro accounts need 2 trading days per phase (was 1) and 2 Step Flex 1 (was 0). Source
Sep 22, 2026 · controversy
Finance Magnates reports forced PRIME moves
About 70% of the 100-trader PRIME pool was moved in without a choice, turning pending payouts into starting balances; the firm says nothing was replaced. Source
Sep 28, 2026 · rule change
Multi-Model Update
For new purchases, Risk Per Trade Idea, Striking System and Profit Concentration are removed and a Swing add-on is introduced; Flex bi-weekly splits fall from 85% to 80% and the 2 Step Flex Phase 2 target rises to 8%. Source
FundingPips FAQ
Questions traders ask
Is FundingPips legit?
It is a large, operating firm that pays: PropFirmMatch tracked about 144,500 FundingPips payouts worth $155 million in the year to October 2026. It is also offshore: traders contract with FundingPips Corp in the Comoros, all accounts are simulated, and the T&Cs give the firm wide discretion over terminations and rewards.
Does FundingPips actually pay out?
Yes, at high volume and speed; PropFirmMatch's payout tracker shows a median of about four hours and one reported delay in the past year. The risk is not slow payouts but accounts closed before payout, mostly over device-ID matches, alleged copy or reverse trading, or news-window breaches.
How long do FundingPips payouts take?
The official window is 1-3 working days plus 1-2 days for funds to arrive, but most traders report same-day payment and tracked data shows a median of about four hours. Close all trades and wait 15 minutes before requesting, and note the $500 minimum for Rise and bank transfers.
What is the FundingPips pass rate?
FundingPips does not publish one. Based on its 2-step targets and published data for comparable programs (11% to 14%), we estimate roughly 10% of challenge attempts reach a Master account; Zero accounts are instantly funded and have no pass rate.
What are FundingPips' hidden rules?
The ones that cost traders most are the device-ID (CID) linking rule, news windows judged by FundingPips' own calendar, daily auto-closing of Master positions unless you bought the Swing add-on, and the conditions on the 100% monthly cycle (35% consistency, 7 profitable days, a 1% Striking System). Zero adds a 5% trailing drawdown and a 1% open-loss limit.
Can you trade news with FundingPips?
In evaluations you can hold and manage trades through news, but deliberately trading the release is still grounds for closure. On Master accounts, profit from trades opened or closed within 5 minutes of Restricted news (10 minutes for speeches) is deducted unless the trade was opened 5+ hours earlier; on Zero, any trade in the 10-minute window ends the account.
Are EAs allowed at FundingPips?
Only partly. Third-party EAs may be used solely as trade or risk managers, while a fully automated EA must be your own, and FundingPips may ask for source code or a live walkthrough as proof. VPN and VPS connections are banned under the help center rules.
Does FundingPips accept US traders?
Yes, but only on Match-Trader: MT5 and cTrader are not available to US residents, and neither is PRIME, which runs on MT5 only. Residents of Iran, Vietnam, the UAE and sanctioned jurisdictions cannot sign up.
Is there a FundingPips discount code?
As of Oct 1, 2026, the site banner offers code FP for 10% off for new customers and 5% off for existing ones. The help center also lists HELLO for 20% off a first purchase through guest checkout, excluding $100K accounts.
Who owns FundingPips?
FundingPips was founded by CEO Khaled Ayesh and operates from Dubai. The contracting entity is FundingPips Corp, registered in the Comoros with an offshore license from the Mwali International Services Authority; directories link the Dubai operation to ANKH Prop FZCO, and Andria Evripidou has been Group Managing Director since August 2025.
What happens if I breach a FundingPips account?
The account locks at once, open trades are closed, and it switches to view-only. A discounted reset is offered for 7 days: 20% off Phase 1 at $50K and below, 15% above that, 12% off Phase 2, 8% off a Master account and 20% off Zero, and challenge resets restart at Phase 1.
FundingPips 1-step vs 2-step: which is easier?
1 Step Flex needs a single 12% gain with a 12% max loss but only a 2% or 3% daily limit, so one bad day can end it. 2 Step Pro has the lowest targets (6% + 6%) but a tight 6% max loss, while 2 Step Flex trades higher targets (10% + 8%) for a 12% buffer and a 4% daily limit, which most traders will find more forgiving.
Why do FundingPips accounts get banned for device ID (CID)?
FundingPips fingerprints the devices used to access accounts and treats a match with another registered user as account sharing or coordinated trading. Traders who used a shared household computer, an old VPS or someone else's phone report terminations, often at the funded stage, so trade only from your own devices.
What is FundingPips PRIME?
PRIME is an invite-only account for top funded traders: profit after the split times 12.5 sets the account size, with an 8% static max loss, a 3% soft daily loss and daily 80% rewards up to $2M. The T&Cs make an invitation mandatory, the sizing profit cannot be withdrawn, and all your Evaluation and Master accounts close when PRIME opens.
FundingPips alternatives
Similar programs
UAE prop firm for CFDs and futures, launched March 2022, with a 24-hour payout promise
Dubai-based multi-asset prop firm for forex, crypto and CME futures, founded in 2023
Dubai prop firm selling instant, 1-step and 2-step CFD and futures accounts since 2023
Sources
41 sources · checked Oct 1, 2026
- 1.FundingPips homepage (pricing, claims, legal footer)
- 2.FundingPips 2 Step Standard product page
- 3.FundingPips 2 Step Pro product page
- 4.FundingPips 2 Step Flex product page
- 5.FundingPips 1 Step Flex product page
- 6.FundingPips Zero product page
- 7.FundingPips Terms & Conditions
- 8.FundingPips blog: Multi-Model Update (Sept 27, 2026)
- 9.FundingPips blog: Khaled Ayesh profile (Nov 2025)
- 10.FundingPips Tradin page
- 11.FundingPips Labs page
- 12.Help center: 2 Step Standard
- 13.Help center: 2 Step Pro Model
- 14.Help center: 2 Step Flex
- 15.Help center: 1 Step Flex
- 16.Help center: FundingPips Zero
- 17.Help center: News Trading & Weekend Holding
- 18.Help center: Reward Methods
- 19.Help center: Trading Conduct and Security Standards
- 20.Help center: Get Started
- 21.Help center: Prime Account
- 22.Help center: Level Up Your Trading (allocation, resets)
- 23.Help center: FundingPips Legacy Rules
- 24.Help center: Account Workspace (platforms, US access)
- 25.Trustpilot: FundingPips reviews
- 26.Trustpilot: FundingPips company activity (transparency)
- 27.PropFirmMatch: FundingPips firm page
- 28.PropFirmMatch: FundingPips payouts tracker
- 29.PropFirmMatch: FundingPips announcements
- 30.Forex Peace Army: Funding Pips review page
- 31.Finance Magnates: FundingPips invited traders into PRIME; the T&Cs made it mandatory (Sept 2026)
- 32.Finance Magnates: Funding Pips' Trustpilot profile suspended (June 2024)
- 33.Finance Magnates: Funding Pips brings MT5 back (March 2025)
- 34.Finance Magnates: Funding Pips back online with Match-Trader migration (Feb 2024)
- 35.Finance Magnates: Funding Pips reports DDoS attack (July 2024)
- 36.Finance Magnates: FundingPips appoints Group Managing Director (Aug 2025)
- 37.Finance Magnates: Funding Pips tag page
- 38.Finance Magnates: Only 7% of 300,000 prop accounts achieved payouts (FPFX Tech data, 2024)
- 39.The Prop Journalist: Prop firm pass rates 2026
- 40.Mwali International Services Authority: FundingPips Corp license verification
- 41.London Strategic Edge directory: FundingPips entities (ANKH Prop FZCO)
Current FundingPips offer
10% off for new customers, 5% off for existing customers
Site-wide banner code on fundingpips.com as of Oct 1, 2026. The help center also lists code HELLO for 20% off a first purchase through guest checkout, excluding $100K accounts.
Verified Oct 1, 2026