FundingPips Challenges & Pricing May 2026

FundingPips offers four distinct challenge models - the 2-Step Standard, 2-Step Pro, 1-Step, and Zero (Instant Funding) - with account sizes ranging from $5,000 to $100,000. All evaluation models use static drawdowns (except Zero, which uses a trailing drawdown), have no time limits, and require a minimum of just 1 to 3 trading days to pass. The 2-Step Standard is the most popular option, offering an 8% profit target for the first step and a 5% profit target for the 2nd. It also has a 5% daily loss limit rule with a 10% static drawdown. The leverage is the same across all accounts at 1:100. For budget-conscious traders, the 2-Step Pro starts at just $29, with tighter 3% daily and 6% max drawdown parameters. Profit splits range from 60% to 100% depending on the chosen payout frequency, and funded traders can scale up to $2 million through FundingPips' four-tier scaling plan. The table below lists all available challenges with their full specifications.

FundingPips Challenges Explained

FundingPips stands out in the forex prop firm space by offering four uniquely designed paths to a funded account, each with its own drawdown model, profit target, leverage, and payout structure. Instead of pushing traders into a single evaluation framework, the firm lets you pick the model that matches your strategy, risk tolerance, and budget. That flexibility is a genuine differentiator - most competitors offer one or two models at most.

2-Step Standard Challenge

The 2-Step Standard is FundingPips' flagship evaluation and the most popular choice among its traders. Phase 1 requires an 8% profit target; Phase 2 drops to 5%. The daily loss limit is 5%, and the maximum overall drawdown is 10% - both static and calculated from the initial balance. That static drawdown is a key selling point: unlike trailing drawdown models where the floor rises with your equity (effectively punishing profitable trading), the loss floor at FundingPips stays fixed regardless of how much the account grows.

Leverage is 1:100 on the 2-Step Standard - the highest across all FundingPips models and higher than what most competitors offer on evaluation accounts. A minimum of 3 trading days is required per phase, but there's no maximum time limit. Weekend holding is allowed during both the evaluation and the funded stage.

One feature that adds flexibility: FundingPips now allows traders to customize their Phase 1 profit target during checkout on the 2-Step Standard. This means traders who prefer a lower target with more room for consistency can adjust the parameters to suit their approach.

The profit split on funded accounts depends on the payout frequency the trader selects. Weekly (Tuesday) payouts carry a 60% split, bi-weekly payouts offer 80%, on-demand payouts provide 90%, and monthly payouts give 100%. This tiered structure lets traders choose between faster access to profits (at a lower percentage) or patience for a full 100% split. It's a unique mechanic in the industry - most firms lock in a single split regardless of payout frequency.

The evaluation fee is refunded after the trader's 4th successful payout, effectively making the challenge free for traders who remain funded long-term. Account sizes range from $5,000 to $100,000, with fees starting around $36 for the smallest account.

2-Step Pro Challenge

The 2-Step Pro targets traders who want the cheapest possible entry into prop trading. With fees starting at just $29 for a $5,000 account, it's one of the most affordable evaluation options in the entire prop firm market.

The trade-off for that low price: tighter parameters. Both phases require a 6% profit target (the Phase 1 target is customizable at checkout). The daily loss limit is 3%, and the static maximum drawdown is 6%. Leverage is capped at 1:50 - half of what the Standard model offers. A 45% consistency rule also applies, meaning no single day's profit can exceed 45% of total profits.

The Pro model offers daily and weekly payout options at an 80% profit split. Unlike the Standard model, the evaluation fee is not refunded after payouts.

The tighter risk parameters mean the 2-Step Pro demands higher precision. The 3% daily loss on a $50,000 account translates to just $1,500 of room - roughly 30 pips on 1 standard lot of EUR/USD. For traders with proven low-drawdown strategies, the Pro model offers excellent value. For those still refining their approach, the Standard's 5%/10% parameters provide a more forgiving testing ground.

1-Step Challenge

The 1-Step condenses the evaluation into a single phase with a 10% profit target. The daily loss limit is 3%, and the static maximum drawdown is 6%. Leverage is 1:50. A minimum of 3 trading days is required, with no time limit.

The 1-Step's profit-target-to-drawdown ratio (10% target against 6% drawdown) is tighter than the 2-Step Standard's Phase 2 (5% target against 10% drawdown). This means traders need to generate nearly twice their allowed drawdown in profits - a higher bar that favors experienced traders with consistent strategies.

Payouts on funded 1-Step accounts follow the same tiered frequency model: 60% weekly, 80% bi-weekly, 90% on-demand, 100% monthly. The evaluation fee is refunded after the 4th payout, same as the 2-Step Standard.

Zero (Instant Funding)

The Zero model skips evaluations entirely, meaning you do not need to pass the evaluations. Pay the fee, receive a funded account, and start trading immediately. There's no profit target to hit - traders earn from the first trade.

The drawdown model on Zero is fundamentally different from the other programs. Instead of static drawdown, Zero uses an intraday equity-based trailing drawdown at 5%. This means the drawdown floor follows the account's high-water mark upward in real time. Every new equity peak raises the floor, and any significant pullback from that peak risks a breach. The trailing stops once the account builds 5% above the starting balance, at which point it locks and behaves like static drawdown. Getting to that lock point is the challenging part.

Zero also carries the most restrictive rule set of all FundingPips models. A 15% consistency rule applies (the best day's profit cannot exceed 15% of total), a minimum of 7 profitable days is required within every 30-day window, and a 3% safety cushion means the first 3% in profits is not withdrawable. Weekend holding is prohibited. Combined, these requirements mean the first payout effectively requires around 4% account growth (3% cushion + 1% minimum withdrawal).

The profit split is a fixed 95%, and payouts are bi-weekly. Daily loss is capped at 3%.

For those still refining their approach, the Standard's 5%/10% parameters provide a more forgiving testing ground. Regardless of which model you choose, learning how to pass a prop firm evaluation requires a strict adherence to risk management and a proven checklist.

How FundingPips Challenges Compare to Other Forex Prop Firms

FundingPips' four-model structure offers more challenge variety than most forex prop firms. Here's how each model stacks up against the broader market.

The 2-Step Standard's 10% static drawdown is among the most generous in the industry for a two-phase evaluation. Many competitors use trailing drawdowns that reduce risk room as the account grows - FundingPips' static model avoids this entirely. Firms like FTMO use a similar static approach, while others like FXIFY use trailing mechanics on certain accounts. The 1:100 leverage on the 2-Step Standard also exceeds what most prop firms provide on evaluation accounts, where 1:30 to 1:50 is more common.

The tiered profit split system (60% to 100% based on payout frequency) is distinctive. Most prop firms set a fixed profit split regardless of how often the trader withdraws. FundingPips' approach lets traders optimize for either cash flow (more frequent payouts at a lower split) or maximum profit retention (monthly payouts at 100%). The ability to choose the payout cadence that matches individual financial needs is a genuine flexibility advantage.

Pricing is competitive across the board. The 2-Step Pro at $29 for a $5,000 account is one of the lowest evaluation entry points available at any prop firm. The 2-Step Standard's pricing is mid-range, and the fee refund after the 4th payout effectively makes the cost zero for traders who trade consistently once funded.

The Zero instant funding model is the most restrictive of FundingPips' offerings, and it faces stiff competition from other instant funding products. The intraday trailing drawdown, 15% consistency rule, 7 profitable days requirement, and 3% safety cushion create multiple hurdles that other instant models (such as those from Goat Funded Trader or Maven Trading) may handle differently. Traders considering instant funding should compare not just the entry price but the full rule set before committing.

Where FundingPips differs from many competitors is the rule shift between evaluation and funded stages. During evaluation, there are no news trading restrictions - traders can hold through NFP, FOMC, and any high-impact release. Once funded, profits from trades opened or closed within 5 minutes of high-impact news events are excluded from payouts. The max risk per trade rule (2-3% depending on account size) also only activates on funded accounts. This evaluation-to-funded gap means strategies that work during the challenge may need adjustment once funded, and traders should factor this transition into their planning.

FundingPips Scaling Plan

For traders who stay funded and trade consistently, FundingPips offers a four-tier scaling plan that progressively increases account size, drawdown limits, and payout potential. The Launchpad tier (after 4 payouts and 10% total profit) provides a 20% capital boost and increased drawdown. Ascender (8 payouts, 20% profit) adds a 30% boost. Trailblazer (12 payouts, 30% profit) delivers another 40% growth. The Hot Seat (16 payouts, 40% profit) doubles the initial account size, unlocks on-demand payouts, a 100% profit split, and access to up to $2 million in capital with monthly performance bonuses.

The Hot Seat is the endgame for serious FundingPips traders. Reaching it requires sustained consistency over many months, but the payoff - 100% of profits with on-demand access and $2 million in capital - is among the most competitive scaling targets in the prop firm industry.

Which FundingPips Challenge Should You Choose?

The 2-Step Standard is the safest entry point for most traders. The 10% static drawdown provides real breathing room, the 8%/5% profit targets are achievable without forcing trades, and the 1:100 leverage gives flexibility for both conservative and aggressive position sizing. Start here if you're new to FundingPips or if you want the highest margin of safety during evaluation.

The 2-Step Pro suits traders who already have a proven, low-drawdown strategy and want the cheapest possible entry. The $29 starting price is hard to beat, but the 3% daily and 6% max drawdown leave little room for error. Don't choose Pro just because it's cheap - choose it because your trading data shows you consistently stay within those tighter parameters.

The 1-Step works best for experienced traders who prefer a single-phase pass with no Phase 2 to worry about. The 10% target against a 6% drawdown requires precision, but the simplicity of one phase appeals to traders who don't want to manage a multi-stage process.

The Zero model is designed for traders who are confident enough to skip evaluation entirely and trade under the most restrictive rule set. The trailing drawdown, consistency requirements, and safety cushion make this the hardest model to generate payouts on.