FundingPips

FundingPips is a proprietary trading evaluation company founded in 2022. It offers one-step and two-step evaluation programs, as well as FundingPips Zero, which provides direct access to a simulated Master Account without an evaluation phase.

All FundingPips accounts operate exclusively in a simulated trading environment. According to the company, trades placed through its Evaluation, Master, and Prime accounts are not executed on live financial markets. Traders who meet the applicable performance and risk requirements may receive monetary rewards based on their simulated trading results.

FundingPips currently offers the 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro, and FundingPips Zero models. Depending on the selected program, traders can access account sizes ranging from $5,000 to $200,000, with different profit targets, loss limits, minimum trading-day requirements, and reward cycles.

Eligible Master Account traders may progress to the FundingPips Prime Account program. Prime Accounts provide daily reward requests at an 80% split, a separate scaling structure, personalized support, and the possibility of scaling a simulated account to $2 million.

undingPips provides proprietary trading evaluation services through simulated accounts. The company states that it does not act as an investment adviser, custodian, financial intermediary, or retail broker through its proprietary trading programs.

Corporate Structure and Licensing

The simulated trading services are provided by FundingPips Corp, a company incorporated in the Comoros Union under company number HY01223081. FundingPips states that this entity holds International Brokerage and Clearing House License No. Bfx2024004 under the IBC Regulation Act 2014.

FundingPips also states that it does not provide brokerage services or real trading accounts through its proprietary trading website. The license should therefore not be interpreted as regulatory protection for deposits or investments made through the prop firm program.

FundingPips Services Ltd, registered in Cyprus under company number HE 450941, is listed as a related non-operational support and administrative entity. The company also maintains registered or administrative addresses in Dubai, United Arab Emirates.

Simulated Trading Environment

All FundingPips Evaluation, Master, and Prime accounts are demo accounts operating exclusively in a simulated trading environment. Trades are not executed on live financial markets.

Program fees are service fees rather than deposits or investments. FundingPips does not hold customer trading capital, and purchasing an account does not create a custodial or investment relationship between the trader and the company.

Identity Verification

Traders must complete identity verification before receiving a Master Account. FundingPips may also review the trader’s activity before approving the account.

Additional verification may be required when receiving rewards through third-party providers such as Rise. Rewards must be sent to a card, bank account, wallet, or payment account registered in the trader’s own name.

Restricted Jurisdictions

FundingPips does not provide services to residents of certain restricted jurisdictions. These include jurisdictions covered by applicable FATF, European Union, or United Nations sanctions, as well as Vietnam and the United Arab Emirates.

Prospective traders should verify their eligibility directly with FundingPips before purchasing an account.

undingPips applies different objectives and risk restrictions depending on the selected program and account phase. Traders should review the rules for their specific account because loss limits, minimum trading days, reward conditions, and risk controls vary between models.

Loss Limits

FundingPips applies daily and overall loss limits to all accounts. These limits include closed losses and floating losses from open positions.

The daily loss limit is generally calculated using the higher of the account balance or account equity recorded at the beginning of the trading day. Touching or exceeding a hard loss limit results in an account breach, even if the account subsequently recovers.

The overall loss limit is static on most evaluation models. FundingPips Zero instead uses a trailing maximum loss limit based on the highest recorded account equity.

Inactivity

FundingPips accounts are subject to a 30-calendar-day inactivity limit. At least one trade must be opened and fully closed within every 30-day period.

Keeping a position open does not count as activity and does not pause or reset the inactivity period.

Profit Concentration Policy

The Profit Concentration Policy applies to eligible evaluation accounts created on or after June 27, 2026.

If a single trade idea generates more than 60% of an evaluation phase’s profit target, the evaluation does not automatically fail. Instead, the resulting Master Account will require four profitable days before every reward request.

Each qualifying profitable day must generate net realized profit equal to at least 0.5% of the starting Master Account size. The four days do not need to be consecutive.

The policy applies to all account sizes under 1 Step Flex and to eligible accounts of $25,000 or more under other evaluation models.

A trade idea may include one trade, multiple positions on the same instrument in the same direction, or another position opened in the same direction within 10 minutes after closing a losing trade.

Automated Trading

Expert Advisors are permitted only for approved trade-management or risk-management purposes. Third-party EAs that automatically execute a trading strategy or trade on behalf of the account holder may be prohibited.

Traders should receive confirmation from FundingPips before using an automated trading tool.

Prohibited Strategies

FundingPips prohibits strategies and services that it considers abusive or inconsistent with genuine trading. These include account-passing services, copying trades from unrelated traders, high-frequency trading, latency arbitrage, reverse arbitrage, server spamming, exploitation of platform or pricing errors, toxic trading flow, and coordinated hedging between accounts.

News Trading

Evaluation accounts may generally hold and manage positions during economic news events. However, deliberately opening trades for the purpose of exploiting a news release is prohibited during both the Evaluation and Master phases.

On Master Accounts, profits from positions opened or closed within five minutes before or five minutes after a designated high-impact news event may be deducted.

For designated high-impact speeches, the restricted period begins 10 minutes before the speech and ends 10 minutes after it concludes.

A position opened at least five hours before a restricted event or speech may qualify for the swing-trading exception and can generally be closed during the restricted period without its profit being deducted.

If a resulting profit deduction causes the account to exceed a daily or maximum loss limit, the trader remains responsible for the breach.

Weekend Holding

Weekend holding is permitted during the evaluation phases of 1 Step Flex, 2 Step Standard, 2 Step Flex, and 2 Step Pro.

FundingPips currently applies a temporary restriction that prohibits weekend holding on Master Accounts. Positions remaining open before the weekend may be closed automatically by the system. The automatic closure itself is not treated as a hard breach.

FundingPips Zero Restrictions

Positions on FundingPips Zero cannot be opened, closed, or held during the restricted window around designated high-impact news events or speeches. Violating this restriction is a hard breach.

All Zero positions must be closed before the market closes for the weekend. Holding any instrument over the weekend may result in immediate account termination.

Zero accounts apply a 1% maximum open-risk limit. The combined floating loss from all losing open positions cannot touch 1% of the starting account size.

VPN and VPS Use

Traders may use a VPN or VPS, but their activity must remain consistent with FundingPips’ identity and location requirements. FundingPips may request supporting documents if a material change in IP address or access location is detected.

FundingPips provides access to simulated Contracts for Difference across several major asset classes. Instrument availability may depend on the selected platform and account model.

Forex

FundingPips offers major, minor, and selected exotic currency pairs. Standard evaluation accounts provide forex leverage of up to 1:100.

Metals

Available metals include instruments based on gold and silver. Standard leverage is generally up to 1:30, although temporary dynamic leverage may apply on Master Accounts.

Energies

Traders can access energy instruments based on markets such as WTI and Brent crude oil. Standard leverage is generally up to 1:10.

Indices

FundingPips offers CFDs based on major global stock-market indices. Standard index leverage is generally up to 1:20.

Cryptocurrencies

Cryptocurrency instruments are available on supported accounts and platforms. Evaluation accounts generally provide cryptocurrency leverage of up to 1:2. FundingPips currently reduces cryptocurrency leverage to 1:1 on Master Accounts.

Cryptocurrency trades are subject to a maximum order size of one lot per click.

Leverage Conditions

Standard leverage varies by asset class:

• Forex: up to 1:100
• Metals: up to 1:30
• Indices: up to 1:20
• Energies: up to 1:10
• Cryptocurrencies: up to 1:2 during evaluation and 1:1 on Master Accounts

FundingPips currently applies temporary dynamic leverage tiers to metals, indices, and energies on Master Accounts. Leverage decreases as the total position size increases.

A maximum order size of 20 lots per click applies to non-cryptocurrency instruments.

FundingPips supports MetaTrader 5, cTrader, and Match-Trader. Platform availability may depend on the selected model, account type, and optional features.

The Swap-Free add-on is available only on MetaTrader 5. Prime Accounts also operate exclusively on MT5 through the FundingPips-Prime server.

MetaTrader 5

MetaTrader 5 is a multi-asset trading platform offering advanced charting, technical indicators, multiple order types, and automated trade-management capabilities.

The FundingPips Swap-Free add-on is available only on MetaTrader 5. Prime Accounts also operate exclusively on MT5.

cTrader

cTrader provides advanced charting, order-management tools, depth-of-market information, and a customizable trading interface.

Automated functionality does not mean that every automated strategy is permitted. Traders must comply with FundingPips’ restrictions on Expert Advisors and third-party trading systems.

Match-Trader

Match-Trader is a browser-based and mobile trading platform with integrated charting, account statistics, order management, and a simplified trading interface.

Not every platform or feature is available with every account configuration. Traders should confirm platform availability during checkout.

FundingPips provides traders with account analytics, educational resources, community support, reward options, and account-development programs. Available features vary by account type.

Trader Dashboard

The FundingPips dashboard allows traders to monitor account credentials, trading objectives, loss limits, account activity, reward eligibility, and rule violations.

The dashboard also contains the economic calendar used by FundingPips to identify news events and speeches subject to trading restrictions.

Prime Account

Eligible traders may enter the Prime Account program through a direct invitation from FundingPips or by meeting the qualification requirements after their third Master Account reward.

To unlock Prime after the third reward, qualifying post-split profit must equal at least 2% of the Master Account size. Up to 10% of the Master Account size can be used for the calculation. The qualifying amount is multiplied by 12.5 to determine the initial Prime Account size.

Opening a Prime Account closes the associated Master Account after all remaining positions have been closed.

Prime Account Benefits

Prime Accounts include:

• Personal onboarding
• Weekly one-to-one coaching, subject to availability
• Dedicated WhatsApp support
• Public Prime leaderboard
• Daily reward requests
• 80% reward split
• Monthly rewards based on trading volume
• Permission to trade news and hold positions over the weekend
• Access to the Prime scaling program

Prime Scaling

Each approved Prime scale-up increases the account size by 10%.

The first four scale-ups require profit equal to 5% of the account size at the applicable level. From the fifth scale-up onward, the profit requirement increases to 10%.

The first three scale-ups have no profitable-day requirement. The fourth requires four profitable days, and later scale-ups require 10 profitable days. A qualifying profitable day must produce at least 1% of the account size.

A Prime Account can scale to a maximum simulated size of $2 million.

Total Allocation

FundingPips applies a total allocation limit of $400,000 across a trader’s active Evaluation, Master, and Prime accounts. Each account counts toward the limit based on its current size.

When a Prime Account is scaled, its new size counts toward the total allocation. Eligible Prime Accounts may be merged, but the merged balance also counts toward the allocation limit.

Swap-Free Add-On

A Swap-Free add-on is available during checkout for eligible MetaTrader 5 accounts.

The add-on removes overnight swap charges from eligible forex and metals instruments. Energies, indices, and cryptocurrencies continue to incur standard swap charges.

Educational and Support Resources

FundingPips provides a Help Center, FAQ documentation, trading-related blog content, webinars, YouTube videos, a Discord community, live chat, and email support.

Prime Account traders receive additional coaching and personalized support.

Reward Options

Eligible traders can receive rewards through cards, cryptocurrency, Rise, or bank transfer.

A reward may also be used to purchase another FundingPips challenge or transferred to a Trading account under the applicable promotional conditions.

FundingPips charges a one-time registration fee when a trader purchases an evaluation or FundingPips Zero account.

The price depends on the selected program, account size, platform, account currency, optional add-ons, and active promotions. Traders should verify the final price in the FundingPips checkout before completing a purchase.

Trading Commissions

Standard accounts use the following commission structure:

• Forex: $5 per standard lot
• Metals: $5 per standard lot
• Energies: No commission
• Indices: No commission
• Cryptocurrencies: Lot size multiplied by the cryptocurrency price and 0.04%

Swap-Free Commissions

The Swap-Free add-on is available only on MetaTrader 5.

Swap-Free accounts use the following commission structure:

• Forex: $10 per standard lot
• Metals: $10 per standard lot
• Energies: No commission
• Indices: No commission
• Cryptocurrencies: 0.04%

The Swap-Free add-on removes overnight swap charges only from eligible forex and metals instruments. It does not remove swaps from energies, indices, or cryptocurrencies.

Registration Fee Refund

FundingPips does not refund the registration fee immediately after a trader passes an evaluation.

The original registration fee is refunded after the fourth reward on an eligible 2 Step Standard Master Account.

The fourth-reward refund does not apply to 1 Step Flex, 2 Step Flex, 2 Step Pro, or FundingPips Zero accounts.

Program fees are otherwise generally non-refundable once paid, except where required by applicable law.

Account Resets

Eligible breached accounts may receive a discounted reset option through the trader dashboard for seven calendar days after the breach.

Depending on the account model and phase, reset discounts may include:

• 15% discount for a Phase 1 reset
• 10% discount for a Phase 2 reset
• 7% discount for an eligible Master Account reset
• 20% discount for a FundingPips Zero reset

A reset normally retains the same account size and platform but may restart the trader from the first evaluation phase.

FundingPips refers to trader payouts as rewards. Reward schedules, eligibility requirements, and profit splits depend on the selected account model and reward cycle.

Reward Cycles

1 Step Flex

The standard reward option provides an 85% split every 14 calendar days.

Eligible accounts may use a monthly reward cycle with a 100% split and additional consistency and profitable-day requirements.

2 Step Standard

Available reward options include:

• Weekly rewards with a 60% split
• Bi-weekly rewards with an 80% split
• On-demand rewards with a 90% split
• Monthly rewards with a 100% split, subject to eligibility requirements

The on-demand option requires a consistency score of 35% or lower and a minimum reward equal to 2% of the Master Account size.

2 Step Flex

Traders choose their reward structure when purchasing the account.

The available bi-weekly options are:

• 85% split
• 95% split with three profitable days during the reward cycle

A profitable day must generate at least 0.5% of the starting Master Account size.

Eligible accounts may also use a 100% monthly reward cycle.

2 Step Pro

The standard reward cycle provides an 80% split every seven calendar days.

Eligible accounts may select a monthly reward cycle with a 100% split and additional requirements.

FundingPips Zero

FundingPips Zero provides a 95% profit split every 14 calendar days.

The account must meet the 15% consistency requirement and complete at least seven profitable days of 0.25% or more during each applicable 30-day period.

Prime Account

Prime Accounts provide an 80% reward split. Eligible rewards may be requested daily whenever the available closed profit meets the minimum request amount.

Monthly Reward Requirements

The monthly 100% reward cycle generally requires:

• A reward period of 30 calendar days
• A consistency score of 35% or lower
• At least seven profitable days
• Profit of at least 0.5% of the starting Master Account size on each profitable day
• Compliance with the applicable Striking System requirements

The requirements reset after each successfully processed reward.

Minimum Reward

The general minimum reward request is 1% of the Master Account size, including FundingPips’ share.

The on-demand option under 2 Step Standard requires at least 2% profit.

Rise and bank-transfer rewards require a minimum payment of $500.

Reward Methods

FundingPips supports the following reward methods:

• Visa or Mastercard
• USDT or USDC through the ERC20 network
• Rise
• Bank transfer in supported regions
• Purchase of another FundingPips challenge
• Transfer to a Tradin account under the applicable promotional conditions

Available methods may depend on the trader’s country, financial institution, and reward amount.

Processing Time

FundingPips states that reward requests are normally processed within one to three working days, excluding weekends.

An additional one to two working days may be required for funds to appear on the trader’s card or in the trader’s wallet, Rise account, or bank account.

Requirements Before Requesting a Reward

Before submitting a reward request:

• All open positions must be closed.
• All pending orders must be cancelled.
• The trader must wait at least 15 minutes after closing the final trade.
• The selected payment account must belong to the registered trader.
• The account must meet all applicable consistency, profitable-day, profit, and reward-cycle requirements.

Trading is temporarily disabled while the reward request is being processed.

Transfer Fees

Reward payments may be subject to service fees, currency-conversion rates, and blockchain network fees. The final amount received may therefore be lower than the requested reward amount.