Intro — what FundingPips is
FundingPips is a Dubai-based prop firm (Funding Pips Trading L.L.C.) founded in 2022. Despite the young age, in 2 years they grew to third place in the industry — mainly thanks to aggressively cheap challenges (30-40% cheaper than FTMO) and genuinely fast payouts (every 7 days from day one on funded, while FTMO makes you wait 14).
Unlike FTMO and The5%ers, they bet heavily on model variety — 1-step, 2-step, Instant — and roll out 30-50% discount promos every few weeks.
FundingPips rules in a nutshell
Models (as of June 2026)
- Standard 2-step — most popular, classic challenge + verification
- 1-Step Challenge — single phase, harsher DD (6% instead of 8%)
- Zero (Instant) — funded immediately, no phase, pricier but instant
Standard 2-step — the key model
- Profit target: 8% (Phase 1) / 5% (Phase 2)
- Daily Loss: 5% from initial balance (not from peak equity)
- Max Drawdown: 8% from initial balance (not trailing)
- Min trading days: none (removed in 2024)
- No time limit
- Weekend & news holding: YES (no restrictions)
Fees (Standard 2-step, June 2026)
- $10k → ~$59
- $25k → ~$159
- $100k → ~$399 (FTMO for the same ~$590)
- $200k → ~$789
Payouts and split
- First payout: 7 days on funded (FTMO makes you wait 14)
- Frequency: every 7 days or on-demand
- Split: 80% start, 90% after 4 payouts, 95% after scaling
- Methods: bank wire, crypto, Rise
Pros
- Cheapest challenges in the top 5 — $399 for 100k vs FTMO's $590 (~32% cheaper)
- Payouts every 7 days — fastest in the top 5 (FTMO 14, The5%ers post-split)
- Split up to 95% — highest in the industry alongside some FundedNext models
- No min days — hit target in 2 days? Take the funded account
- Max DD not trailing — measured from initial balance, easier to control than FTMO
- Weekend + news holding — no restrictions, just like FTMO
Cons
- Short track record (3 years) — there were 2023 complaints about payout delays after the promo boom, situation calmed but risk is real
- Max DD 8% (instead of the usual 10%) — tighter than FTMO/FundedNext, though gentler than The5%ers (4%)
- Spreads on their broker wider than retail — typical for Dubai props
- No Polish/EU-language support — only EN/AR
- "Cheap = risky" reputation — when promo drops the 100k to $99, some suspect an "expected-bust EV" business model
- Lower CV recognition than FTMO
Who FundingPips makes sense for
- Traders on a budget — $399 per 100k lets you buy 2 challenges for the price of 1 FTMO
- Scalpers / day traders wanting fast cash flow (payouts every 7 days)
- People playing the "multi-account" game — cheaper to buy 5×50k than 1×250k
- Experienced traders confident in their edge who don't want to pay FTMO's brand premium
Who it does NOT make sense for
- Beginners — 8% max DD is tighter, easier to bust than FTMO's 10%
- People building a CV/portfolio — FTMO brand is simply more recognized
- Risk-averse — short company history + Dubai jurisdiction = higher regulatory risk
- People wanting EU language support
FundingPips vs FTMO — quick comparison
| Criterion | FundingPips (Standard) | FTMO |
|---|---|---|
| Company age | 3 years | 10+ years |
| Daily Loss | 5% from initial balance | 5% from equity peak |
| Max DD | 8% (static) | 10% (static) |
| Profit target | 8% / 5% | 10% / 5% |
| Min days | none | 4 |
| Price 100k$ | ~$399 | ~$590 (€540) |
| First payout | after 7 days | after 14 days |
| Split | 80→90→95% | 80→90% |
| News trading | allowed | allowed |
| Consistency rule | none | 50% on payout |
FundingPips vs FundedNext — quick comparison
| Criterion | FundingPips (Standard) | FundedNext (Stellar) |
|---|---|---|
| Daily Loss | 5% from initial balance | 5% from balance |
| Max DD | 8% | 10% |
| Profit target | 8% | 10% |
| Price 100k$ | ~$399 | ~$549 |
| First payout | after 7 days | 15% cashback after Phase 1 |
| Split | 80→95% | 80-90% |
| Consistency | none | 50% on funded |
| Brand | rising | top 2 |
FundingPips vs The5%ers — quick comparison
| Criterion | FundingPips (Standard) | The5%ers (Bootcamp) |
|---|---|---|
| DNA | cheap challenges + fast payouts | scaling / career path |
| Max DD | 8% (static) | 4% (trails→static) |
| Profit target | 8% / 5% | 6% per level |
| Price 100k$ | ~$399 | ~$595 |
| First payout | after 7 days | after Level 1 split |
| Split | 80→95% | 50→75→100% |
| Scaling ceiling | $2M | $4M |
| News trading | allowed | restricted |
| Brand age | 3 years | 10+ years |
TL;DR vs the rest: FundingPips = cheapest ticket + fastest payout, but tighter DD than FTMO/FundedNext and short history. Scalp/day trader with documented edge wanting weekly cash flow — FundingPips. CV / brand matters — FTMO. Long-term scaling — The5%ers. Cashback and marketing — FundedNext.
CTA — how to handle FundingPips' 8% Max DD
FundingPips has tighter max DD than FTMO (8% vs 10%), counts daily loss from initial balance (easier) but 7-day payouts force discipline — no "I'll catch up later". Most FundingPips busts are breaching 8% DD after a good week + no real-time alert.
Prop Firm Tracker in TradeLogic has a built-in FundingPips preset (1-step / 2-step / Instant) — enter the model and balance, and the tracker shows your buffer to 8% DD and daily loss in real time, alerts at 80% and blocks trade entry if it would bust the account.
Sign up for a free TradeLogic account, add FundingPips in 2 minutes, and stop losing challenges to DD tighter than FTMO's.
See also
- FTMO 2026 — full review
- FundedNext 2026 — review with comparison tables
- The5%ers 2026 — review: the 4% max DD problem
- Topstep 2026 — review (CME futures): different league, for ES/NQ day-traders
- Apex Trader Funding 2026 — review: #2 futures player, 80% promos
- Why traders fail FTMO Challenge
- Prop Firm Tracker — FundingPips preset, 80% alerts