FundingPips Review 2026: Rules, Prices, Payouts and the October Changes

This FundingPips review covers the five models listed on 21 October 2026, the rules that close an account, the payout terms and the evidence behind them. FundingPips sells evaluations, which are paid tests on a simulated account, and a funded stage it calls the Master account.

The contracting company is FundingPips Corp, registered in the Comoros Union, and the firm also lists addresses in Dubai. FundingPips calls its payouts rewards, and several of its own pages disagree on the rules described below.

Rules below come from the FundingPips help centre as read on 21 October 2026, unless another source is named. The terms and the price list come from archived copies of the firm's site dated 2 and 12 October 2026.

FundingPips figures and limits

FundingPips runs four evaluation models and one instant model, each sold for a one-time fee with no time limit.

• ›Platforms. MetaTrader 5 (MT5), cTrader and Match-Trader. MT5 and cTrader are closed to US residents, while Match-Trader is open to residents of the US and Canada.
• ›Markets. 41 instruments, made up of 28 currency pairs, gold, silver, 7 stock indices, two oil contracts, bitcoin and ether.
• ›Leverage. Up to 1:100 on forex and 1:30 on metals on 1-Step Flex and the 2-Step models, and 1:50 on forex on Zero.
• ›Restricted. The help centre names Iran, Vietnam and the United Arab Emirates, and the terms add countries on the FATF and EU or UN sanctions lists.

FATF is the Financial Action Task Force, an international body that names high-risk countries.

How FundingPips accounts work

A trader buys an evaluation, reaches the profit target without breaking a loss limit, and then moves to a Master account.

A profit target is the gain an account must reach to pass. The 2-Step models have two phases, each with its own target, and Zero starts as a Master account at purchase.

A static maximum loss is a fixed floor set from the starting size. Zero's trailing limit rises with equity, meaning the balance together with any open profit or loss. Once the account is 5% in profit, the limit locks at the starting balance.

The daily loss limit counts from the higher of the opening balance or opening equity and resets at 00:00 platform time (UTC+3). Minimum trading days apply only to 2-Step Standard with the 5% daily option and to 2-Step Flex.

After passing, the trader completes KYC, an identity check with a photo ID, a selfie and proof of address. A firm review and onboarding follow, each taking up to 2 working days. Accounts bought before 28 September 2026 keep the older Legacy Rules.

What FundingPips accounts cost

Zero is the only FundingPips model whose prices match in PropFirmTrading's database and on the firm's homepage price list.

For the four evaluation models, PropFirmTrading's database still holds older $100K prices, three of which FundingPips announced on 26 July 2026. The firm's own price list, in the homepage copy archived on 12 October 2026, shows a higher figure for each of them.

The live checkout could not be read for this review, so the price at checkout is the one to rely on. The FundingPips discount code page lists each size with PROPFT applied.

• ›Lower daily loss. On the homepage list, the 2% option cut the $100K 1-Step Flex from $666 to $529, and the 3% option cut the $100K 2-Step Standard from $652 to $544.
• ›Add-ons. Swap-Free, which removes overnight swap charges on forex and metals, and Swing, which allows overnight and weekend holding on a Master account, each add 10% to the fee. cTrader adds $20.
• ›Resets. Within 7 days of a breach, a reset costs 12% less in Phase 1, 10% less in Phase 2, 7% less on a Master account and 20% less on Zero.
• ›Refunds. Fees are final, except that 2-Step Standard returns the fee at the fourth reward on the Master account.

Rules that end a FundingPips account

A hard breach closes a FundingPips account at once, with no grace period, and the fee is not refunded.

Extra hard breaches on Zero

Zero adds five more hard breaches. Floating loss may not reach 1% of the starting size, and one trade idea may not lose 3% below $50,000 or 2% from $50,000 up. Trading within 10 minutes either side of high-impact news on the affected currency is banned, and so is any position held into the weekend.

The fifth is a minimum of 7 profitable days, each with 0.25% profit or more, in every rolling 30-day period. On Zero, a trade idea is a single trade, several positions open at once on one pair, or a same-direction trade opened within 10 minutes of closing a loser.

Holding trades on a Master account

On the four evaluation models, Master accounts bought since 28 September 2026 may not hold positions overnight or over the weekend without the Swing add-on. Open positions are then closed each day in a 15-minute window, from 20:45 to 21:00 UTC in summer and from 21:45 to 22:00 UTC after the first Sunday of November.

The daily close itself is not a breach. On those Master accounts, profit from trades opened or closed 5 minutes either side of high-impact news is deducted. Trades opened at least 5 hours before the event are exempt.

Conduct rules and account reviews

The firm bans methods such as gap trading, high-frequency trading, latency arbitrage, hedging and tick scalping. Copying trades between different people's accounts is prohibited, and third-party account management ends the account at once. VPN and VPS connections are not permitted, and each trader may hold one verified identity only. The model articles add that trading news on purpose leads to closure, in an evaluation or on a Master account.

A Responsible Trading Team reviews each account before the Master stage. Where a violation is established, the terms let the firm remove profits, decline the affected rewards or close the account. The FundingPips rules page sets out each rule by model.

FundingPips payout terms

FundingPips pays rewards on a cycle the trader picks once, from weekly at 60% to On Demand at 100%.

The reward split is the share of profit the trader keeps. The cycle cannot be changed once set on the dashboard, and the 2-Step Flex split is fixed at checkout.

Zero has its own reward conditions. They are a 15% consistency score, 7 profitable days of 0.25% in each 30 days and a biggest loss no larger than the biggest win. The first 3% of profit also stays in the account as a cushion.

The On Demand 100% cycle

Around 09:40 UTC on 21 October 2026, the help centre swapped the Monthly 100% cycle for On Demand 100% on all four evaluation models. The articles give no effective date and do not say whether accounts already on the Monthly cycle keep it.

The conditions themselves did not change. The copy of the help centre that PropFirmTrading's change watcher saved on 19 October already set them on the Monthly cycle, which paid every 30 days. The new cycle lets a trader request the 100% split as soon as the conditions are met.

Profit from a warned trade idea is deducted, and warnings carry over from one cycle to the next.

Requesting a reward

• ›Minimum. 1% of the Master account size, including the firm's share, although one help-centre tooltip says 2% for On Demand.
• ›Before a request. All trades and pending orders must be closed, followed by a 15-minute wait, and trading stays disabled during processing.
• ›Timing. 1 to 3 working days to process, then 1 to 2 working days to reach the wallet or bank.
• ›Methods. Card, USDT or USDC on Ethereum, Rise and bank transfer, with Rise and bank transfer needing at least $500. Pay to Card, which can arrive within 30 minutes of approval, and bank transfer are offered in 14 countries.
• ›Other uses. A reward can also buy a new challenge.

Prime, the scaling account, has been open by invitation only since 28 September 2026. It multiplies the reward after the split by 12.5 to set the new account size, pays 80% daily and closes the trader's other FundingPips accounts when it opens.

Evidence that FundingPips pays

FundingPips publishes a payout total and a live payout feed, and neither has been independently audited.

The homepage claims more than $318 million in total rewards. The homepage copy archived on 12 October 2026 also carried a feed of the 100 latest payouts, which PropFirmTrading counted.

A Prime transfer moves the reward into a Prime account, where it sets the account size, instead of sending it to the trader. The money paid out to traders in this feed is therefore the $40,183.01 sent by crypto, Rise and card. FundingPips does not publish pass rates.

Is FundingPips legit?

FundingPips is an operating firm with published rules and a payout feed, and its terms state that all accounts are simulated.

A simulated account is a demo account, and the firm says no trade on it reaches the live market. The trader's reward is worked out from that simulated profit.

• ›Company. FundingPips Corp, company number HY01223081, registered on the island of Mohéli in the Comoros Union.
• ›Other entities. A Dubai address in the IFZA Business Park, and FundingPips Services Ltd in Cyprus, which the terms list as a non-operational support and administrative office.
• ›Disputes. Governed by the laws of Dubai and settled in the Dubai courts.
• ›Licence. The terms cite an International Brokerage and Clearing House License, No. Bfx2024004.

This review does not describe FundingPips as regulated. The licence was not checked against a public register, and the terms say FundingPips Corp offers no brokerage or real accounts on its site.

The homepage dates the firm to 2022 and claims more than 3 million traders, a figure that could not be checked.

Where FundingPips' own documents disagree

The help centre of 21 October, the homepage copy of 12 October and the terms copy of 2 October conflict on at least 10 topics. Eight of them are shown below. Compare Account Models is a help-centre table that sets the models side by side.

The other two concern Swap-Free platforms and the On Demand minimum reward. A trader whose strategy relies on one of these rules can ask support@fundingpips.com for written confirmation before buying.

FundingPips in public trader reviews

The public review listing that PropFirmTrading tracks held 1,239 reviews of FundingPips on 21 October 2026, averaging 4.2 with 120 one-star ratings.

Praise centres on quick rewards and low fees, while most one-star reports concern accounts closed by the firm's risk team. Six of the nine reviews dated after 28 September gave one star. Three of those describe closures over identity documents or alleged reverse trading, and no public reply from the firm was visible when the listing was read.

Dated changes to the FundingPips rulebook

FundingPips changed its rules several times in 2026, and the pages read for this review contain no incident notices from the firm.

A weekly PropFirmTrading change watcher reads the FundingPips help centre and flags each new rule edit.

FundingPips compared with other CFD prop firms

FundingPips' $100K 2-Step Standard costs $522 or $652 at list price, depending on the source, against $440 to $577 for the main 8% then 5% two-step at six peers.

The peers are the six CFD firms with the most public trader reviews in PropFirmTrading's data that also sell an 8% then 5% two-step.

In this group, The5ers has the highest trader-review average and the lowest one-star share, and Goat Funded Trader the highest one-star share. Any two firms can be set side by side in the PropFirmTrading comparison tool.

Who FundingPips suits

FundingPips suits CFD traders who want a choice of models and reward cycles, and who accept simulated accounts and discretionary reviews.

Before buying, traders should match the reward cycle to their strategy, since the choice cannot be changed later.

How PropFirmTrading earns from FundingPips

PropFirmTrading earns a commission when traders buy FundingPips accounts through its link or with the code PROPFT. The PropFirmTrading database lists the code at 25% off, and prices with it applied are on the FundingPips discount page.

PropFirmTrading did not buy, test or trade a FundingPips account for this review.

Changes to this FundingPips review

• ›21 Oct 2026. Published, based on the help centre as edited that day, the terms copy of 2 October and the homepage copy of 12 October.