Funding Pips Review
Country
AE
Trust Pilot
4.5 
CreatedDate Created
2022
YearsYears in Operation
4
Poor
Our Verdict on Funding Pips
Funding Pips is worth using for traders who can stomach rule churn and restrictions in exchange for some of the industry’s lowest entry fees and a uniquely flexible payout ladder. The firm scores 56 overall, but its fees start at just $29, and the profit split scales from 60% weekly to 100% monthly, with payouts processed in 1 to 3 business days via card, crypto, Rise, or bank transfer. A 4.5-star Trustpilot rating from 67,316 reviews and a 172,000+ Discord community provide a credible social footprint. The key caveat is that funded Master accounts auto-close positions before the weekend under a temporary rule, and the ruleset changes often enough that you must re-check the terms before every trade.
BPF Score
Trustpilot: 4.5/5
★ (67,316)
Poor
BPF Overall Score
Challenges
Fees
Markets
Payouts
Platforms
Trust
The overall BPF Score comes from the full methodology, more than 100 data points per firm. The category ratings summarise each area and do not reconcile by simple average. How is our rating calculated? →
Our Take on Funding Pips
Funding Pips is a Dubai-based retail prop firm that has carved out a niche by offering some of the lowest entry fees in the industry, yet it earns an overall score of 56 out of 100 from our analysis. That figure jars against its exceptionally strong guide-fit scores: 90 for funded accounts, 89 in India, and 87 in both Canada and the UK. The gap is not a mistake. Guide-fit scores measure how well a specific product line meets the needs of a particular page’s angle; they are surgical, not holistic. The overall score, by contrast, weighs the entire firm across broad categories such as challenges, spreads, markets, platforms, and trust. Here, Funding Pips lands at 60 in each of those categories, held back by a pattern of rule churn (several updates already in 2026), a temporary weekend-holding restriction on funded accounts, and a 2024 disruption in which MetaQuotes pulled its platforms from the firm alongside many other prop houses. The firm remains a serious contender for traders who value low-cost access and a flexible payout model, but the aggregated score reflects the wear and tear of those operational headwinds.
The product lineup is lean and priced aggressively. The Two Step Pro challenge starts at $29 for a $5,000 account, the Two Step Standard at $36, the One Step at $59, and the instant-funding Zero at $69. These are some of the cheapest entry points in the prop space. Consistency rules, however, are not uniform. The Zero account imposes a 15% consistency ceiling, the Two Step Pro a stricter 45%, while the One Step and Two Step Standard carry no consistency requirement. Weekend holding rules expose another layer of nuance. During evaluation phases, traders can hold positions across the weekend. On funded Master accounts, though, every position auto-closes before the Friday market close under a temporary rule in force since 29 January 2026 (the auto-closure itself is not a breach). Meanwhile, holding any position over the weekend on a Zero account is a hard breach. These fragmented rules mean traders must consult the firm’s terms before each phase, especially given the pace of 2026 revisions.
The payout mechanism is the firm’s most distinctive asset. The profit split is deliberately tied to how often you withdraw: 60% on the weekly Tuesday payday, 80% bi-weekly, 90% on-demand, and 100% if you wait for the monthly cycle. The Zero account pays 95% bi-weekly. This structure rewards patience without penalising traders who need faster cash, a design rare among the top-ranked firms. Payouts process in 1 to 3 business days via Visa/Mastercard, crypto, the Rise platform, or bank transfer. On the technology side, traders can use MetaTrader 5, cTrader, and Match-Trader. Support runs 24/7 with live chat and a 172,000+ member Discord community. The firm’s trustworthiness is anchored by a 4.5-star Trustpilot rating from 67,316 reviews, with 82 percent five-star scores and a reply rate of 98 percent to negative feedback, typically within 24 hours.
Funding Pips is a viable option for traders who need rock-bottom fees and a payout ladder that lets them trade off speed for profit share. It is less suited to swing traders who rely on weekend holds on funded accounts, because the auto-close rule forces a Friday reset. The path to the 100% split demands accepting monthly payouts, which may not fit every plan. And the trust picture, while solid on review metrics, still carries the shadow of the 2024 MetaQuotes disruption and the 2026 rule changes. Traders who can stay nimble and re-read the terms regularly will find value here; those who want set-and-forget consistency should look elsewhere.
Key Facts
| Evaluation Types | zero, 1-step, 2-step, 2-step-pro |
| Max Payout Split | 100% |
| Payout Schedule | Split scales with payout frequency: 60% Tuesday payday, 80% bi-weekly, 90% on-demand, 100% monthly; Zero (instant) pays 95% bi-weekly |
| First Payout | - |
| Payout Processing | 1–3 business days |
| Platforms |  MetaTrader 5,  cTrader,  Match-Trader |
| News Trading | - |
| Weekend Holding | Not Allowed |
| Expert Advisors (EAs) | - |
| Trustpilot | 4.5/5 (67,316 reviews) |
Data last verified:
Pros
- MT5, Match-Trader, and cTrader available
- Reward splits up to 100% on Monthly cycle; 60–90% on shorter cycles
- Competitive leverage for Pro Account
- Four challenge models: Zero, 1-Step, 2-Step, and 2-Step Pro
Cons
- $20 fee required to access cTrader
- Support is slow and often evasive
- Limited time challenges have unclear or shifting rules
- Post-funding rules are stricter than evaluation rules
Best For
Experienced traders who understand prop firm rules and want multiple challenge options with scaling potential
Not Ideal For
Beginners or traders who want fully transparent, consistent rules from evaluation through to funded accounts
Verified against Funding Pips's published terms and Trustpilot record on .
Consistency Rule
15% on Zero accounts, 45% on 2-Step Pro accounts. No consistency rule on 1-Step or 2-Step Standard.
Location Availability
Challenge Accounts
Weekend Holding: Read This First
Weekend holding is permitted during evaluation phases (1 Step Flex, 2 Step Standard/Flex/Pro). On funded Master accounts, however, every position auto-closes before the Friday market close under a temporary rule in force since 29 January 2026; the auto-closure is not a breach. Holding any position over the weekend on a Zero account is a hard breach.
Funding Pips scored 6/10 for challenges. The firm offers four challenge models - Zero, 1-Step, 2-Step, and 2-Step Pro - each with different drawdown limits, profit targets, and funded-stage rules. Reward splits depend on the payout cycle you select at checkout: Weekly 60%, Bi-weekly 80%, On-Demand 90%, or Monthly 100%.
But real-world testing and feedback highlight one recurring issue: the rules change once you're funded. There's a mismatch between what you agree to during the evaluation and what gets enforced later. Key rules like the 1% floating loss limit and the consistency rule only apply after you pass, which has caught many users off guard.
Upfront Challenge Fees
| Account Size | Zero | 1-Step | 2-Step | 2-Step Pro |
|---|---|---|---|---|
| $5,000 | $69 | $59 | $36 | $29 |
| $10,000 | $99 | $99 | $66 | $55 |
| $25,000 | $199 | $199 | $156 | $109 |
| $50,000 | $299 | $319 | $289 | $219 |
| $100,000 | $499 | $555 | $529 | $399 |
Fee Refunds: Check the Order Screen
Funding Pips has offered challenge-fee refunds on eligible evaluations, but the exact refund trigger has been revised more than once during the firm’s 2026 rule updates. The refund does not apply to the instant-funding Zero product. Because the terms can shift, the refund conditions displayed on the order screen at checkout are the authoritative version - traders should confirm them before purchase.
Zero (Instant Funding)
This is marketed as "no evaluation," but there's still a catch. To unlock your first payout, you need to hit a 3% profit buffer, then earn another 1% - meaning the real target is 4%. Once funded, you're bound by some of the firm's strictest rules, including a 15% consistency rule, restricted news trading, and no weekend holding.
Max Daily Loss
3%
Trailing Drawdown
5%
Floating Loss Cap
1%
Consistency Rule
15%
News Trading
Restricted
Weekend Holding
Not Allowed
Reward Split
60% – 100% (cycle-based)
Payout Cycles
Weekly / Bi-weekly / On-Demand / Monthly
Important Note
The appeal of getting funded fast is real, but the low margin for error and strict funded-stage rules - including news trading restrictions and no weekend holding - mean this model suits only the most precise, disciplined traders.
1-Step Challenge
This model keeps things simple with a one-phase evaluation. It uses a 3% daily loss limit and 6% max loss. News trading is allowed during evaluation but restricted on funded (Master) accounts.
Profit Target
10% in 30 days
Daily Loss Limit
3%
Max Loss
6%
Min Trading Days
3
Reward Split
60% – 100% (cycle-based)
News Trading
Eval only
Best Suited For
Traders who want a faster path to funding with fewer restrictions upfront. Just keep in mind that funded account rules are still stricter than what you see during evaluation - including news trading restrictions and a max risk per trade idea rule.
2-Step Challenge – Standard
A more relaxed setup with wider drawdown limits (5% daily / 10% max). You can customise the Phase 1 profit target at signup. Weekend holding is allowed on this model, including on funded accounts. No consistency rule applies.
Phase 1 Target
Customisable
Phase 2 Target
5%
Daily Loss Limit
5%
Max Loss
10%
Min Trading Days
3 per phase
Consistency Rule
None
Weekend Holding
Allowed
Reward Split
60% – 100% (cycle-based)
Best Suited For
This is the most flexible model with no consistency rule, weekend holding allowed, and wider drawdown limits. Ideal for swing and position traders who want room to breathe.
2-Step Challenge – Pro
This model is for experienced traders who want to complete their evaluation quickly but can handle tight risk parameters: 3% daily loss and 6% max loss. You only need one trading day per phase, but a strict 45% consistency rule applies both during evaluation and after funding.
Phase 1 Target
Customisable (default 6%)
Phase 2 Target
6%
Daily Loss Limit
3%
Max Loss
6%
Min Trading Days
1 per phase
Consistency Rule
45% (both phases + funded)
Reward Split
60% – 100% (cycle-based)
Important Note
The 45% consistency rule is one of the strictest in the industry and applies during both evaluation and funded phases. Make sure you understand this before committing.
Reward Split by Payout Cycle
Rather than a flat profit split, Funding Pips ties the reward percentage to the payout cycle you choose at checkout. This applies to all four challenge models:
| Payout Cycle | Reward Split |
|---|---|
| Weekly | 60% |
| Bi-weekly | 80% |
| On-Demand | 90% |
| Monthly | 100% |
On-Demand Note
On-Demand payouts require meeting a minimum reward threshold and consistency rules before withdrawal is permitted. Check the firm's current terms for exact thresholds.
Scaling Plan
Once you're funded, you can work your way up through four scaling tiers:
Launchpad
After 4 payouts and 10% total profit, your account grows 20% and your drawdown limit and lot cap increase.
Ascender
After 8 payouts and 20% profit, your account grows another 30% with further limit increases.
Trailblazer
After 12 payouts and 30% profit, you gain another 40% growth and more headroom.
Hot Seat
After 16 payouts and 40% profit, your account size doubles. You unlock on-demand payouts, 100% profit split, and up to $2M in funding.
Verdict on Challenges
Funding Pips gives you four challenge models and a high ceiling if you scale successfully. But the rule shifts between evaluation and funded phases - and the lack of clarity in time-limited promos - mean you need to read the fine print. Drawdown limits, news trading rules, and weekend holding rules all vary by model, so make sure you know which restrictions apply to the one you choose. The structure is decent, but the surprises can be costly, earning Funding Pips a score of 6/10 for challenges.
Commission Fees & Pricing
Funding Pips scored 6/10 for spreads and commission. The updated commission rates are easier to follow, but the firm still doesn't publish spread data, making it hard to calculate your total cost per trade.
Spreads
Funding Pips doesn't list average or minimum spreads on their site. Instead, they provide you with test credentials so you can check live market conditions yourself. While this gives you real-time insight, it's not a practical way to compare pricing - especially if you're weighing costs across different firms. The lack of clear spread benchmarks makes it tough to know what you're actually paying.
Commission Fees
| Asset Class | Standard Commission |
|---|---|
| Forex | $5 per lot (round turn) |
| Metals (Gold, Silver) | $5 per lot (round turn) |
| Crypto | 0.04% per trade |
| Indices | Free |
| Energies (Oil) | Free |
Swap-Free Accounts
Swap-free accounts carry higher commissions on forex and metals. Check the firm's current fee schedule for exact swap-free rates before purchasing.
Programme rules and fees verified against fundingpips.com, verified August 2026.
Verdict on Spreads and Commission
The commission model is now clearer - $5 per lot on forex and metals, 0.04% on crypto, and free on indices and energies. But without published spreads, you still don't get the full picture. Swap-free accounts also come with higher commissions. That's why this area remains a 6/10 - it's improved, but not fully transparent.
Financial Markets & Leverage
Funding Pips offers a range of tradable instruments with varying leverage across its account types:
Forex
Up to 1:100 leverage
Indices
Up to 1:20 leverage
Commodities
Metals 1:30 / Energies 1:10
Crypto
Up to 1:2 leverage
Leverage by Asset Class
| Asset Class | Leverage |
|---|---|
| Forex | 1:100 |
| Metals (Gold, Silver) | 1:30 |
| Energies (Oil) | 1:10 |
| Indices | 1:20 |
| Crypto | 1:2 |
Verdict on Markets and Leverage
Funding Pips offers a solid range of instruments covering forex, indices, metals, energies, and crypto. Forex leverage at 1:100 is competitive, and metals at 1:30 provides reasonable headroom. However, crypto leverage at 1:2 and energies at 1:10 are conservative, which may not suit high-risk or short-term strategies.
Trading Platforms
Funding Pips scored 6/10 for Platforms in our review. You get access to three options - MetaTrader 5, cTrader, and Match-Trader. But some usability quirks and access restrictions still hold this area back.
1. MetaTrader 5
MT5 has become a default choice for many due to its fast execution, custom indicators, and multi-asset support. Its reintroduction at Funding Pips was a needed move after earlier platform disruptions in 2024.
2. cTrader
cTrader offers cleaner charting and is generally preferred for more technical strategies. The downside? You'll need to pay a $20 fee to use it, and it's still not available to US traders.
3. Match-Trader
Match-Trader is the simplest of the three, designed for speed and ease of use. It's a web-based platform with all the basics covered, though it lacks the deep customisation you get with MT5 or cTrader.
Trading Rules
Rules vary by challenge model and account stage. Here's how key rules differ:
| Rule | Status | Details |
|---|---|---|
| News Trading | Varies | Allowed during evaluation on most models; restricted on funded (Master) accounts and on Zero accounts |
| Weekend Holding | Varies | Allowed on 2-Step challenges (including funded); restricted on Zero |
| Copy Trading | Own Only | Allowed between your own accounts only; copying between different traders is not permitted |
| Expert Advisors (EAs) | Conditional | Third-party EAs allowed only as trade/risk management tools; fully automated third-party trading EAs are not permitted |
| Consistency Rule | Varies | 15% on Zero; 45% on 2-Step Pro (eval + funded); none on 1-Step or 2-Step Standard |
| Max Risk per Trade (Funded) | Applies | Maximum risk per trade idea rule on funded (Master) accounts; limit depends on account size |
| Inactivity Rule | 30 days | Accounts become inactive if no trades are closed for 30 consecutive days |
| HFT / Latency Arbitrage | Banned | Not allowed on any account |
Verdict on Trading Platforms
You get access to three capable platforms, which is a solid offering. MT5 is reliable, Match-Trader is easy to use, and cTrader has technical depth. But the $20 cTrader fee and US restrictions make access less consistent. Trading rules also vary significantly by model - news trading and weekend holding are allowed on some challenges but restricted on others, and funded accounts face stricter rules including a max risk per trade idea limit and a 30-day inactivity rule. Combined with the strict funded-stage rules, the firm scores 6/10 for platforms and rules.
Payments & Profit Payout
The Payout Frequency Ladder
Funding Pips links the profit split to how often you withdraw, a structure unmatched among our top-ranked firms. The more patient you are, the more you keep: 60% on the weekly Tuesday payday, 80% bi-weekly, 90% on-demand, and 100% monthly. The Zero account pays 95% bi-weekly. Traders who want weekly cash accept a smaller share; those who wait collect everything.
Funding Pips scored 7/10 for Payments and Payouts. The firm offers multiple payout cycles - Weekly, Bi-weekly, On-Demand, and Monthly - with your reward split tied to the cycle you select at checkout. Instant payouts to Visa and MasterCard are now also available.
Reward Split
60% – 100% (cycle-based)
Min Payout
1% of balance
Max Payout
No limit
Processing Time
1–3 business days
Reward Split by Payout Cycle
| Payout Cycle | Reward Split | Notes |
|---|---|---|
| Weekly | 60% | Most frequent payouts, lowest split |
| Bi-weekly | 80% | Balance of frequency and split |
| On-Demand | 90% | Requires minimum reward threshold + consistency |
| Monthly | 100% | Longest wait, maximum split |
On-Demand Requirements
On-Demand payouts are not available immediately. You must meet a minimum reward threshold and satisfy consistency rules before you can request a withdrawal. Check Funding Pips' current terms for the exact requirements.
Challenge Fee Payment Methods
Google Pay / Apple Pay
Crypto (BTC, ETH, USDT)
Credit / Debit Cards
Neteller / Skrill
Paysafe Card
Bank Transfer
Profit Payout Methods
| Method | Speed | Details |
|---|---|---|
| Visa / Mastercard (Instant) | 30 min – 48 hrs | Sent directly to your card once approved |
| Cryptocurrency | Same day | No minimum; subject to service and conversion fees |
| Rise Platform | 1–3 business days | Requires KYC; minimum $500 payout; bank or crypto wallet |
Verdict on Payments and Payouts
Funding Pips scores 7/10 for Payments and Payouts. The cycle-based reward split system (Weekly 60%, Bi-weekly 80%, On-Demand 90%, Monthly 100%) gives traders flexibility to choose their preferred trade-off between payout frequency and split percentage. The introduction of instant credit card payouts adds real convenience. However, On-Demand payouts come with additional requirements, and the lack of clear fee breakdowns makes it harder to plan ahead.
Customer Service & Education
Funding Pips offers live chat and a Help Center, but support quality is mixed and educational content is minimal. The prop firm has added WhatsApp access for Master traders, but unless you've reached that level, help can be slow or unclear.
Customer Support
You can reach support through the site's live chat widget, but don't expect instant answers. Wait times vary, and responses often feel scripted or generic, especially if your question involves payout rules or challenge terms.
| Channel | Available | Notes |
|---|---|---|
| Live Chat | Yes | Variable wait times; often scripted responses |
| Yes | Standard response time | |
| WhatsApp (Master Traders) | Limited | Only available for Master-tier traders |
| Discord | Yes | 172,000+ members; community-driven help |
| Help Center / FAQ | Yes | Covers onboarding, rules, and payout instructions |
| Education / Tutorials | No | No structured learning tools or guides available |
Verdict on Support and Education
Funding Pips still falls short when it comes to trader support. Unless you qualify for WhatsApp access, the help experience is slow and lacks depth. The absence of meaningful education tools also makes this firm harder to recommend for newer traders.
Trust & Community
Funding Pips scored 6/10 for Trust in our review. While the firm has a good TrustPilot score and a massive Discord following, the rating dropped after we assessed recent trader complaints and past disruptions. The firm was founded in November 2022 and is based in Dubai.
Funding Pips Trustpilot Score
4.5/5
Excellent
Based on 67,316 reviews on Trustpilot. The profile is currently active and verified, with the majority of recent feedback positive about payouts and platform performance.
Recent reviews tell a different story. There are pages of one-star reviews from the past 30 days alone, with complaints highlighting:
Frequent slippage leading to losses far exceeding expectations
Breached accounts due to the 1% floating loss rule
Withheld profits based on vague or selectively enforced rules
Allegations of manipulated trading conditions including altered stop-loss orders
Poor customer support, with responses described as generic and unhelpful
Trading Community
172K+
Discord Members
4.5/5
Trustpilot Score
67,316
Trustpilot Reviews
Funding Pips hosts an impressive Discord community with over 172,000+ members, offering channels for strategy sharing, market insights, and trader networking. Despite its size, the community does not offset the broader concerns highlighted in reviews.
Review figures verified against the Funding Pips Trustpilot profile, verified August 2026.
Verdict on Trust and Community
Funding Pips has a large and active community, but trust is undermined by inconsistent rule enforcement, platform disruptions, and mixed trader feedback. A high review score alone isn't enough to outweigh ongoing issues with execution quality and transparency. For traders who value consistency and reliability, higher-scoring firms offer more assurance.
Compare Funding Pips head-to-head
Overall Score for Funding Pips
Funding Pips is worth using for traders who can stomach rule churn and restrictions in exchange for some of the industry’s lowest entry fees and a uniquely flexible payout ladder. The firm scores 56 overall, but its fees start at just $29, and the profit split scales from 60% weekly to 100% monthly, with payouts processed in 1 to 3 business days via card, crypto, Rise, or bank transfer. A 4.5-star Trustpilot rating from 67,316 reviews and a 172,000+ Discord community provide a credible social footprint. The key caveat is that funded Master accounts auto-close positions before the weekend under a temporary rule, and the ruleset changes often enough that you must re-check the terms before every trade.
The firm also earned 6/10 for Trust due to a history of rule enforcement issues, negative trader reviews, and the temporary suspension of its Trustpilot account. Other categories like Platforms, Payouts, and Markets sit between 6/10 and 7/10, reflecting inconsistent experiences and lack of clear disclosures.
Overall, while Funding Pips has scale and visibility, its operational inconsistencies, hidden conditions, and support issues make it difficult to recommend over more transparent, broker-backed alternatives like Blueberry Funded or BrightFunded.
Ready to take the challenge?
Challenges from $29.
Where Funding Pips Ranks Across Our Guides
Every ranked guide on this site assigns a fit score out of 100, tailored to that page’s specific angle - whether that’s a country’s payment rails or a single product line such as instant funding. The site-wide overall score rates the whole firm, while the fit score reflects suitability for that one use case, so the two numbers can differ. The cards below show where the firm currently places on each guide it appears in, and every card links to the full ranking.
- Best Funded Account Programs - ranked #5 with a fit score of 90/100
- Best Prop Firms in India - ranked #5 with a fit score of 89/100
- Best Prop Firms in Canada - ranked #6 with a fit score of 87/100
- Best Instant Funding Firms - ranked #6 with a fit score of 82/100
- Best Prop Firms in the UK - ranked #7 with a fit score of 87/100
- Best Forex Prop Firms - ranked #7 with a fit score of 84/100
- Best Crypto Prop Firms - ranked #9 with a fit score of 80/100
Frequently Asked Questions
Data Sources
- https://fundingpips.com
Last reviewed 2026-07-07 · Data verified 2026-08-31