FundingPips is a prop trading firm that stands out for one big reason: weekly payouts every Tuesday. Most firms make you wait 14 to 30 days. FundingPips pays faster than almost anyone else.
They also offer a path to earn 100% of your profits through their Hot Seat program. That means you keep everything you make. No firm share at all.
FundingPips is a prop trading company from Dubai. They give traders virtual money to trade with. If you make profits, you keep a share of the money. You can keep anywhere from 60% to 100% of what you earn.
The company started in 2020. Since then, they’ve paid over $180 million to traders worldwide. More than 180,000 traders have tried their challenges.
You never risk your own money. You only pay the small challenge fee. If you pass, that fee gets refunded after your 4th payout.
The main reason is speed. Most prop firms pay every 14 days or once per month. FundingPips pays every Tuesday. This means you get your money faster.
The second reason is the 100% profit split. When you reach the Hot Seat level (top trader status), you keep all your profits. The company takes nothing.
FundingPips offers 4 different ways to get funded. Each one works for different types of traders.
This is the classic challenge. You complete two phases, then you get funded.
Who it's for: Traders who want more room for mistakes. The 10% maximum loss gives you breathing space. Good for swing traders and beginners.
| Account Size | Challenge Fee | Refundable? |
|---|---|---|
| $5,000 | $36 | ✅ Yes |
| $10,000 | $59 | ✅ Yes |
| $25,000 | $129 | ✅ Yes |
| $50,000 | $249 | ✅ Yes |
| $100,000 | $499 | ✅ Yes |
| Payout Frequency | Your Share | Firm Share |
|---|---|---|
| Weekly (Tuesday) | 60% | 40% |
| Bi-weekly | 70% | 30% |
| Monthly | 80% | 20% |
This is the cheapest option. It costs less but has stricter rules.
Who it's for: Experienced traders who can work within tight limits. The 6% max loss is strict. One bad trade can end your challenge.
| Account Size | Challenge Fee | Refundable? |
|---|---|---|
| $5,000 | $29 | ✅ Yes |
| $10,000 | $49 | ✅ Yes |
| $25,000 | $99 | ✅ Yes |
| $50,000 | $199 | ✅ Yes |
| $100,000 | $399 | ✅ Yes |
Skip phase 2 completely. Pass one challenge and get funded immediately.
Who it's for: Confident traders who can hit 10% without needing two tries. Faster path to funding but stricter rules.
Pricing: Higher than two-step. Check the FundingPips website for current prices.
Profit split: 80% starting split.
Skip the challenge completely. Get funded immediately with no evaluation.
Who it's for: Experienced traders who do not want to wait. This costs more upfront but saves time.
| Account Size | Fee | Refundable? |
|---|---|---|
| $100,000 | $499 | ❌ No |
Note: Instant funding only comes in $100K size. No other options available.
| Feature | 2-Step Standard | 2-Step Pro | 1-Step | Instant (Zero) |
|---|---|---|---|---|
| Challenge Phases | 2 phases | 2 phases | 1 phase | None |
| Phase 1 Target | 8% | 8% | 10% | None |
| Phase 2 Target | 5% | 5% | N/A | None |
| Max Loss | 10% | 6% | 6% | 5% |
| Daily Loss | 5% | 3% | 3% | 3% |
| Min Trading Days | 3 | 1 | 3 | 7 (for payout) |
| Time Limit | None | None | None | None |
| Consistency Rule | No | 45% | No | 15% |
| Starting Price (5K) | $36 | $29 | Higher | N/A |
| Starting Price (100K) | $499 | $399 | Higher | $499 |
| Profit Split | 60% to 80% | 60% to 80% | 80% | 95% |
| Fee Refund | ✅ Yes (4th payout) | ✅ Yes (4th payout) | ✅ Yes (4th payout) | ❌ No |
| Best For | Beginners | Budget traders | Fast movers | Experienced |
Your challenge fee gets refunded after your 4th successful payout. This only applies to 1-Step and 2-Step programs (not Instant).
| Market | Fee |
|---|---|
| Forex & Metals | $5 per lot (round turn) |
| Indices | Free (no commission) |
| Crypto | 0.04% of trade value |
| Oil | Free |
$10 every time you request a payout (deducted from your payment).
| Platform | Fee |
|---|---|
| MT5 | Free |
| Match-Trader | Free |
| cTrader | $20 one-time fee |
Every FundingPips challenge has rules. If you break a rule, you fail the challenge. Here are the rules explained simply.
Example (10K account): 8% target means you need to reach $10,800. 5% target means you need to reach $10,500.
Example: Starting at $10,000 with a 10% max loss, your balance can never go below $9,000. If it hits $8,999 even briefly, the account closes.
Important: This includes open trades. Floating loss counts.
Daily loss resets every day at 5:00 PM EST (New York time). Your daily limit is based on your balance at 5:00 PM the previous day.
Example: If total profit is $1,000 and the rule is 45%, your best day cannot exceed $450.
If you trade inside the restricted window, profits do not count and can be removed, while losses still count.
Yes, FundingPips allows Expert Advisors (EAs) and automated trading on all programs. They may flag prohibited styles like tick scalping, arbitrage, or extreme high-frequency trading.
Copy trading is allowed only between your own FundingPips accounts. Third-party signals and copying other traders is not allowed.
| Rule | 2-Step Standard | 2-Step Pro | 1-Step | Instant |
|---|---|---|---|---|
| Profit Target (Phase 1) | 8% | 8% | 10% | None |
| Profit Target (Phase 2) | 5% | 5% | N/A | None |
| Max Loss | 10% | 6% | 6% | 5% |
| Daily Loss | 5% | 3% | 3% | 3% |
| Min Trading Days | 3 | 1 | 3 | 7 |
| Time Limit | None | None | None | None |
| Consistency Rule | ❌ No | ✅ 45% | ❌ No | ✅ 15% |
| News Trading (Challenge) | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| News Trading (Funded) | ❌ 5-min block | ❌ 5-min block | ❌ 5-min block | ❌ 10-min block |
| Weekend Holding (Challenge) | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Weekend Holding (Funded) | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No |
| EAs Allowed | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
You pick how often you want payouts. More frequent payouts usually means a lower percentage share.
| Payout Frequency | Your Share | Firm Share | Best For |
|---|---|---|---|
| Weekly (Tuesday) | 60% | 40% | Fast cash flow |
| Bi-Weekly | 70% | 30% | Balance speed and % |
| Monthly | 80% | 20% | Maximize earnings |
| On-Demand | 60% | 40% | Flexible needs |
If you reach Hot Seat status, you can keep 100% of your profits. FundingPips can also double your account balance at that tier.
FundingPips lets you scale your account over time, with a maximum of $2,000,000 in trading capital.
| Cycle | Account Balance | Max Loss | Daily Loss | Profit Split |
|---|---|---|---|---|
| Start | $100,000 | $10,000 | $5,000 | 80% |
| 4mo | $125,000 | $12,500 | $6,250 | 90% |
| 8mo | $150,000 | $15,000 | $7,500 | 90% |
| 12mo | $175,000 | $17,500 | $8,750 | 90% |
| 16mo | $200,000 | $20,000 | $10,000 | 90% |
| ...continues to $2M max | ... | ... | ... | 90% |
| Feature | FundingPips | FTMO |
|---|---|---|
| Founded | 2020 | 2015 |
| Entry Cost (10K) | $59 | €155 (~$169) |
| Payout Frequency | Weekly | Bi-weekly |
| Max Profit Split | 100% | 90% |
| Max Account | $100K initial | $200K initial |
| Scaling Max | $2M | $2M |
| Time Limit | None | None |
| Fee Refund | ✅ After 4th payout | ✅ After 1st payout |
| News Trading (Funded) | ❌ Restricted | ❌ Restricted |
| Swap-Free | ❌ No | ✅ Yes |
| Feature | FundingPips | FundedNext |
|---|---|---|
| Entry Cost (10K) | $59 | $119 |
| Payout Frequency | Weekly | 5 to 21 days |
| Max Profit Split | 100% | 95% |
| Max Account | $100K | $300K |
| Scaling Max | $2M | $4M |
| Programs | 4 options | 4 options |
| News Trading (Funded) | ❌ Restricted | ✅ Allowed (40% rule) |
| Weekend Holding (Funded) | ✅ Yes | ⚠️ Depends on model |
| Feature | FundingPips | The5%ers |
|---|---|---|
| Entry Cost (10K) | $59 | $230 |
| Payout Frequency | Weekly | Bi-weekly |
| Max Profit Split | 100% | 100% |
| Max Account | $100K | $250K |
| Scaling Max | $2M | $4M |
| Time Limit | None | None |
| Fee Refund | ✅ After 4th | ❌ No |
FundingPips is described here as a legitimate company with reported payouts since 2020. Always verify current proof and terms on the official website before purchasing.
No. You pay a one-time challenge fee. All trading is done on simulated accounts using virtual capital.
There is no time limit. Some pass in 1 to 2 weeks. Others take 1 to 3 months or longer.
After your 4th successful payout (1-Step and 2-Step programs). Instant funding does not include a refund.
No, but it helps if you run bots. A VPS keeps automated strategies online even when your computer is off.
The account closes immediately. No warnings. You can purchase a new challenge and start again.
FundingPips brings something different: Tuesday payouts and a path to 100% profit split. If fast payouts matter to you, this is the core selling point.
The trade-offs are real. Funded news restrictions, no swap-free accounts, and the $10 payout fee can matter a lot depending on your style.
Last Updated: February 13, 2026
Review Version: 4.0 (Complete Edition)
