FundingPips says all of its accounts are simulated demo accounts and that it does not offer brokerage services or real trading accounts on its website.
FundingPips in a nutshell
Several account models
FundingPips offers 1 Step, 2 Step and Zero models, so a trader can choose between an evaluation and a direct Master account.
Three platforms
Accounts run on MT5, cTrader and Match-Trader.
No evaluation time limit
All five models have no evaluation expiry, although 30 consecutive days of inactivity applies.
Low entry fees
Challenge fees start from $29 for a $5,000 account.
Friday close on Master accounts
Under a temporary rule since 29 January 2026, open positions on four models close automatically at the Friday market close.
Strict Zero reward conditions
Zero pays 95% but adds a 15% consistency ceiling, a 3% safety cushion and seven profitable days.
Copying and automation limits
Fully automated third-party EAs are prohibited, and copying between different users is not allowed.
Refund on one model only
The registration fee is refunded with the fourth reward on 2 Step Standard only; the other four models do not offer it.
The evaluation models differ in targets, daily and maximum loss limits, and minimum trading days. Zero skips the evaluation phase and pairs a 95% reward split with a trailing loss limit and additional reward conditions.
Choose the model and reward cycle together: a higher split can carry consistency and profitable-day requirements. Check the news, weekend and automated-trading rules for that account before placing trades.
What are the FundingPips challenge rules?
The profit targets and loss limits for each model are listed below.
| Model | Profit targets | Daily loss limit | Maximum loss |
|---|---|---|---|
| 1 Step Flex | 12% | 3% | 12% |
| 2 Step Standard | 8% and 5% | 5% | 10% |
| 2 Step Flex | 10% and 6% | 4% | 12% |
| 2 Step Pro | 6% and 6% | 3% | 6% |
| Zero | No profit target | 3% | 5% trailing |
Temporary Friday closure
Since 29 January 2026 a temporary FundingPips rule closes open positions on Master accounts of the 1 Step Flex, 2 Step Standard, 2 Step Flex and 2 Step Pro models automatically at the Friday market close.
Daily and maximum loss
Daily loss is calculated from the higher of opening balance and equity; 1 Step Flex resets at 00:00 UTC+3.
The maximum loss limits are static for the four evaluation models.
News trading
Standard evaluation accounts may hold and manage trades through news, but purposeful news trading is prohibited.
Master accounts use soft-breach restrictions five minutes around high-impact news and 10 minutes around speeches, with a five-hour pre-event exception.
Zero treats restricted news trading as a hard rule; Prime allows news trading.
Weekend holding
Evaluation accounts may hold through weekends but may not open or close trades on weekends.
The temporary Master closure rule is not a hard breach and does not create a valid trading day.
Zero weekend holding is a hard breach.
Overnight holding is not generally prohibited; rollover and swaps follow the published timing rules.
Automated trading
Third-party EAs may only manage trades or risk; fully automated third-party EAs are prohibited.
An own fully automated EA requires evidence such as source code, version history and developer records.
The 1K Instant Account has an exception for third-party EAs and trade copiers; monthly competition accounts prohibit all EAs.
Account copying
Copying between accounts owned by the same person is allowed.
Copying between different users, inbound external signals or copiers, coordinated Master trading and third-party account management are prohibited.
Prohibited strategies
Prohibited strategies include the following.
- Hedging
- Long-short or reverse arbitrage
- Gap trading
- High-frequency or server-spam activity
- Latency or toxic-flow exploitation
- Tick scalping
- Server-execution exploitation
- Opposite-account trading
- Churning or burning
Consistency rules
On newer evaluations of $25,000 or more, one trade idea exceeding 60% of the phase target can trigger a requirement for four profitable Master days before a reward.
Monthly 100% cycles require 35% consistency and seven profitable days; Zero has a 15% consistency ceiling.
How much does a FundingPips challenge cost?
FundingPips offers five trading models: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and Zero. Challenge fees start from $29 for a $5,000 account.
Fees for three models
| Account size | 2 Step Standard | 2 Step Flex (85% reward split) | 1 Step Flex |
|---|---|---|---|
| $5,000 | $36 | $32 | $66 |
| $10,000 | $66 | $59 | $99 |
| $25,000 | $177 | $159 | $211 |
| $50,000 | $299 | $269 | $313 |
| $100,000 | $522 | $499 | $533 |
2 Step Pro and Zero fees up to $200,000
| Account size | 2 Step Pro | Zero |
|---|---|---|
| $5,000 | $29 | $60 |
| $10,000 | $55 | $88 |
| $25,000 | $134 | $188 |
| $50,000 | $224 | $244 |
| $100,000 | $422 | $444 |
| $200,000 | $844 | $888 |
The five models
1 Step Flex
1 Step Flex has one evaluation phase, no minimum trading days and an 85% bi-weekly reward split.
The first reward is available 14 calendar days after the first Master trade.
2 Step Standard
2 Step Standard has two evaluation phases and three trading days in each phase.
Its On Demand option pays a 90% split after 2% Master profit and 35% consistency.
Weekly rewards pay 60% after seven days, bi-weekly rewards pay 80% after 14 days, and eligible monthly rewards pay 100% after 30 days and the required conditions.
The fees are the same for the weekly and On Demand options.
2 Step Flex
2 Step Flex has two phases.
The default 85% path requires one trading day per phase; the 95% path requires three profitable days per phase.
Bi-weekly rewards start 14 days after the first Master trade; the 95% path also requires three profitable days.
2 Step Pro
2 Step Pro has two phases, with two trading days per phase for new or reset accounts from 26 August 2026; older accounts retain the one-day rule.
Its weekly reward split is 80%, with the first reward seven calendar days after the first Master trade.
Zero
Zero opens directly as a Master account, with no evaluation target.
It pays 95% bi-weekly, starting 14 days after the first Master trade, subject to a 15% consistency ceiling, seven profitable days, a 3% safety cushion and the loss/win condition.
Each of the seven profitable days in a rolling 30-day period must earn at least 0.25%.
Its 5% trailing maximum loss locks at breakeven after 5% profit.
Conditions across the models
Evaluation expiry and leverage
All five models have no evaluation expiry, but inactivity for 30 consecutive days applies.
Standard FX leverage is 1:100, metals 1:30, energies 1:10, indices 1:20 and crypto 1:2.
Zero uses FX 1:50, metals, energies and indices 1:10, and crypto 1:2.
Monthly reward cycles
Monthly 100% reward cycles apply to eligible evaluations purchased on or after 15 August 2026 and require 35% consistency and seven profitable days.
The 2 Step Standard registration fee is refunded with the fourth reward; the other four models do not offer that fourth-reward refund.
Prime accounts
Prime accounts open by invitation or after the third reward, pay rewards daily at an 80% split and scale up to $2 million.
Prime trading opens after KYC and the Prime Account Agreement.
A ×12.5 multiplier applies to the amount moved at unlock, and the Master account closes when Prime opens.
Prime publishes a soft daily loss limit of 2%, an 8% trailing maximum loss, leverage up to 1:2000, and a minimum reward of 1% of Prime size including the split.
The first four scale-ups add 10% size after 5% profit per step; the fourth also requires four profitable days of at least 1%.
From the fifth scale-up, 10% profit and 10 profitable days of at least 1% are required.
News trading and weekend holding are allowed.
Free trial and competition
The free MT5 trial mirrors 2 Step Standard or 2 Step Pro, lasts 14 calendar days per phase and allows one trial at a time.
It carries no profit entitlement or route to Master.
The free monthly Match-Trader competition uses a $100,000 simulated account for one month, allows one account, has a 10% maximum overall loss and prohibits all EAs.
How do FundingPips payouts work?
Reward methods
Reward methods include card, crypto, Rise, bank transfer, Buy a Challenge reinvestment and Tradin Transfer.
Crypto methods include USDT and USDC on ERC20.
Minimum reward
The general minimum reward is 1% of Master size including the firm split; On Demand requires 2%.
Rise and bank transfer each have a $500 minimum.
KYC checks
KYC is required before full Master access, using government photo ID, proof of address dated within three months and a selfie.
Automated KYC usually takes minutes; FundingPips review and onboarding can each take up to two working days.
Minimum age
The minimum age is 18.
FundingPips does not accept traders resident in Iran, Vietnam or the United Arab Emirates.
Its terms also refer to FATF and EU/UN sanctions lists.
| Payout methods | Card, Crypto, Payment platform, Bank transfer, Other |
|---|---|
| Payout providers | Rise; Buy a Challenge; Tradin Transfer |
Which platforms can you use at FundingPips?
Platforms
The platforms are MT5, cTrader and Match-Trader.
Swap-free accounts are available on MT5 only.
Instruments
The firm lists 41 instruments: seven FX majors, 21 FX crosses, two metals, seven indices, two energies and two crypto instruments.
Examples include EURUSD, GBPUSD, USDJPY, XAUUSD, XAGUSD, FTSE100, GER40, UKOIL, USOIL, BTCUSD and ETHUSD.
Commissions
Standard FX and metals commissions are $5 per lot, or $10 on swap-free MT5.
Zero charges $7 per lot for standard FX and metals and $10 swap-free.
Energies and indices have no commission; crypto commission is 0.04%.
Raw spreads
FundingPips advertises raw spreads from 0.0 pips on its homepage.
| Platforms | MetaTrader 5, cTrader, Match-Trader |
|---|---|
| Expert advisors | Restricted |
| Markets | forex, metals, indices, energies, Crypto |
Is FundingPips legit?
FundingPips dates its founding to 2022 and names Khaled Ayesh as its owner, CEO and founder.
Comoros registration
Its terms name FundingPips Corp, company number HY01223081, incorporated in the Comoros Union, with an address at Bonovo Road, Fomboni Island of Mohéli, Comoros Union.
Dubai address and restrictions
FundingPips lists its address as Premises No. 19948-001, IFZA Business Park, DDP, Dubai, UAE, and does not accept traders resident in Iran, Vietnam or the United Arab Emirates.
Cyprus entity
Funding Pips Services Ltd is registered in Cyprus under number HE 450941.
The firm lists the Cyprus entity as a non-operational support and administrative office at 15 Dimitriou Karatasou Street, Anastasio Building, 6th Floor, Office 601, 2024 Strovolos, Nicosia.
Tradin broker
FundingPips describes Tradin, a broker built by the team behind FundingPips, as its regulated broker.
Simulated accounts
FundingPips says all of its accounts are simulated demo accounts and that it does not offer brokerage services or real trading accounts on its website.
Support channels
Support is available through support@fundingpips.com, live chat and the Discord community.
Trustpilot rating
FundingPips is rated 4.5 out of 5 on Trustpilot from more than 69,000 reviews in September 2026.
Rewards paid
FundingPips says it has paid out more than $300 million in rewards.
February 2024 pause
In February 2024 FundingPips paused its services, saying MetaQuotes had halted the MetaTrader service it used, and relaunched on Match-Trader later that month.
| Company | FundingPips Corp; Funding Pips Services Ltd |
|---|---|
| Headquarters | Bonovo Road, Fomboni Island of Mohéli, Comoros Union; 15 Dimitriou Karatasou Street, Anastasio Building, 6th Floor, Office 601, 2024 Strovolos, Nicosia |
| Founded | 2022 |
| Trades executed by | Tradin |
| Capital type | Simulated |
| Trustpilot score | 4.5/5 |
| Trustpilot reviews | 69,348 |
| Trustpilot date | 26 Sep 2026 |
