FundingPips

If you’re a trader looking for a reliable and transparent prop firm, Funding Pips should definitely be on your radar. From my personal experience, they’ve done an outstanding job creating a trader-centric platform that’s both intuitive and efficient.

Here’s what stood out to me:

• Spreads are highly competitive
• A wide range of trading instruments is available
• Challenge fees are reasonable
• The rules are clear, fair, and transparent — no surprises
• Their support team? Always professional and on point

It’s been a solid experience overall, and I’m glad I stuck with it.

The layout is clean, the interface is easy to navigate, and I didn’t feel overwhelmed trying to figure out how everything worked. The learning curve? Practically non-existent. Whether you’re a seasoned trader or just stepping into funded challenges, you’ll feel right at home.

Platform Performance & Reliability

One thing that truly sets Funding Pips apart is how responsive and stable their platform is. Pages load quickly, orders execute without delay, and I’ve never run into technical hiccups or frustrating downtime. That kind of reliability is priceless, especially when you’re trading on tight margins or during volatile market hours.

Their spreads and execution speed are top-notch—two key ingredients for consistent performance. I can say with confidence: this platform feels built by traders, for traders.

Support That Actually Supports

Customer support can make or break your experience with a prop firm. Luckily, Funding Pips doesn’t disappoint. Whenever I had a question or needed help, the response was fast, and the team genuinely cared about resolving my issue—not just sending a canned reply.

I also appreciate how they continuously improve the platform. Seeing new features rolled out regularly shows me that the team is actively listening to traders’ feedback.

A Note on Upcoming Features

One update that caught my attention was the mention of a future copy trading feature for users with multiple accounts. While it doesn’t apply to me yet, it’s great to know that as I grow, the tools will be there to support that growth. I’d love to see short video tutorials or step-by-step guides added directly on the platform to help traders understand new features more quickly.

FundingPips Funded has 4.5 out of 5 rating, backed by over 23,000 reviews. One of Highest in industry. we have discussed every rule in details. After checking most of the reviews, we didnt find many issues regarding payouts. Payouts looks smooth.

We have verified that most of the reviews on FundingPips Funded trustpilot review page are genuine.

FundingPips Funded is a broker-backed proprietary trading firm that offers challenge-based funding programs designed for Forex, metals, indices, commodities and crypto traders. The team brings over 20 years of combined brokerage and prop-firm experience, and trades through confidential commercial liquidity providers rather than retail brokers.

One Phase Challenge

Traders can choose account sizes ranging from $5,000 to $100,000, with fees starting at $59 and going up to $555. The profit target is fixed at 10%, while the maximum loss allowed is 6% with a daily cap of 3%. This model uses a static drawdown and offers an 80% profit split on a weekly basis. Traders benefit from a straightforward scaling plan: achieve 10% profit and complete four payouts to get a 20% growth in funding, with potential to scale up to 40% growth after 16 payouts and 40% profit. There’s no consistency rule here, just a minimum of three profitable trading days. Bots and copy trading are permitted, though trading around major news events (5 minutes before and after) is restricted. Leverage is set at 1:50.

Two Phase Challenge

Offering account sizes between $5,000 and $100,000, with fees starting at $36 and reaching up to $529. The profit targets here are slightly more forgiving—8% in phase one and 5% in phase two. The overall max loss is 10%, with a higher daily limit of 5%. Like the One Phase, this also features a static drawdown. The profit split is more flexible: 80% bi-weekly, 60% weekly, or 100% monthly, depending on trader preference or payout method. The scaling structure mirrors that of the One Phase model, and the same rules apply regarding minimum trading days, news trading restrictions, and allowance of bots and copy trading. Leverage remains at 1:50.

Two Phase Pro Challenge

It introduces a more advanced setup with trailing drawdown rules. Account options again range from $5,000 to $100,000, with a lower entry fee starting at $29 and going up to $399. Profit targets are evenly split at 6% for both phases. This model comes with a 6% max loss (trailing) and a daily max drawdown of 3%. Leverage is higher here at 1:100, giving traders more flexibility. The profit split is fixed at 80%, and the scaling model remains consistent with the other challenges. A key distinction with this model is the weekly time-based evaluation and the use of trailing drawdown rather than static. Again, bot and copy trading are both allowed, but news trading remains restricted within a 5-minute window on either side.

Zero Instant Challenge

This provides an instant funding experience with no profit target. It’s designed for traders ready to jump straight into live markets. Account sizes range from $5,000 to $100,000, and fees start at $69 up to $499. The model enforces a tighter 5% trailing max loss and 3% daily loss limit. Profit splits are 80%, with the same tiered scaling plan as other models. However, this challenge has a few stricter requirements — a minimum of 7 profitable days and a 15% consistency rule. Despite this, bot and copy trading are allowed, and the same news trading restrictions apply. Leverage is set at 1:50.

sidering leverage, instrument price, contract size, and equity to maintain margin health.

Evaluation Phases (Student & Practitioner)

• Holding trades over weekends and during news events is allowed.

🏁 Funded Phase (Master Account)

• News trades only count if opened 5+ hours before the news.
• Trades opened/closed 5 mins before/after high-impact news won’t count.
• Profits from violating trades are removed.
• Affected trades auto-closed by the system.
• Violations may result in breach consequences.

🧰 Trading Strategy & Restrictions

• Allowed: Manual, EAs (only risk/trade managers), weekend/news holds.
• Prohibited:
  • Gap trading, HFT, server spamming, latency arbitrage, tick scalping.
  • Hedging, long-short arbitrage, reverse arbitrage, opposite account trading.
  • Copy trading or third-party account management.
• Violations lead to denial of evaluation, reward, or account termination.

📊 Instant Zero Challenge Rules

1. 15% Consistency Score

• To be eligible for a reward, your biggest winning day must not exceed 15% of total profits.
• If not met, you can continue trading until you hit the score.

2. 1% Max Risk Limit

• Your floating PnL must not drop below -1% of your account size.
• Breaching this results in immediate account closure.

3. Minimum 7 Profitable Days

• Within every 30-day cycle, you must have:
  • At least 7 profitable days.
  • A profitable day = 0.25%+ gain of your account balance.
• 30-day cycle starts on your first trade.
• Cycle resets:
  • After reward is processed.
  • Or after 30 days if no reward is claimed.
• Not meeting this = rule violation.

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☣️ Toxic Trading Behavior

• Reckless, emotional, or manipulative trading practices.

💣 Examples:

• Over-leveraging (exceeding allowed lot exposure):
  • $25k account: Max 10 lots
  • $50k: Max 20 lots
  • $100k: Max 40 lots
  • $5k & $10k: No limit
  • Violations: 1st = warning, 2nd = account closure + 30% fee + profit deduction
• Gambling behavior: Emotion-based, chasing losses.
  • Max single loss = 3% of account size (Master accounts only).
• Overtrading: Frequent trades without strategy = reduced performance.
• HFT & Tick Scalping: Excessive rapid trading = prohibited.
• Arbitrage (ALL forms banned):
  • Hedge arbitrage (opposing positions at different firms).
  • Latency arbitrage (exploiting execution delays).
• Poor Money Management: Regular margin calls or undercapitalized trades.
• Behavioral Red Flags: Non-liquid hour trading, ignoring risk management.
• Reverse Trading: Trading that reflects opposing firms or using full daily loss in one trade.

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FundingPips’ account scaling plan is crafted to empower traders by gradually increasing their trading capital and perks as they prove their abilities. The program unfolds across four distinct levels, each tailored to match a trader’s progress and experience.

Level 1: Launchpad (Novice Trader)
This entry stage focuses on building core trading skills. Traders who achieve 4 successful rewards and reach 10% total profit earn a 20% capital increase along with a 1% higher drawdown limit—laying a solid foundation for growth.

Level 2: Ascender (Intermediate Trader)
As traders gain confidence and consistency, they advance to this level. By completing 8 successful rewards and hitting a 20% profit target, they unlock a 30% capital boost and expanded drawdown limits, allowing for more ambitious trading strategies.

Level 3: Trailblazer (Advanced Trader)
Designed for experienced traders with steady performance, this stage requires 12 successful rewards and a 30% total profit. Benefits include a 40% capital increase and a maximum drawdown allowance of 13%, supporting larger trades and complex tactics.

Elite Tier: Hot Seat (Elite Trader)
Reserved for the very best, this top tier is achieved after 16 successful rewards and a 40% profit milestone. Traders here enjoy doubled initial capital, instant reward payouts, full 100% profit splits, access to up to $2 million in capital, plus exclusive monthly bonuses—celebrating their mastery and commitment.

Importantly, all scaling benefits are calculated from the trader’s original account size, regardless of any account merges. FundingPips’ scaling plan is designed to motivate continuous improvement, providing traders with increased resources and rewards as they advance.

COMMISSIONS

Funding Pips applies different commission structures based on both the type of trading instrument and the account type you’re using. While some assets are completely commission-free, others have specific fees per lot traded. It’s crucial to understand these charges to manage your trading costs effectively.

✅ Key Highlights:

• Forex, Metals, and Energies generally incur a $2 round-turn commission per standard lot.
• Crypto, Indices, and Oil are completely commission-free across all accounts.
• FP Zero Account comes with higher commissions—up to $7 per lot.
• 2-Step Pro Account usually has a $5 per lot commission.
• 1-Step and 2-Step Accounts typically follow the base $2 per lot rate.

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📊 Commission Comparison Table

Account Type	Forex, Metals & Energy	Crypto, Indices & Oil
Standard (1-Step/2-Step)	$2 per lot (round turn)	No Commission
FP Zero Account	$7 per lot (round turn)	No Commission
2-Step Pro Account	$5 per lot (round turn)	No Commission

SPREAD

These are the average spreads we have observed in the normal markets. However spreads can be constantly fluctuating depend on the news, price movements and timing. But as in general these are the spreads FundingPips Funded provides in the normal conditions

PAIRS	SPREADS
XAUUSD	2.7
USOIL	2.5
BTCUSD	2.5
ETHUSD	2.5
EURUSD	2.5
GBPUSD	2.5
AUDUSD	2.5
NZDUSD	2.5
USDCAD	2.5
USDCHF	2.5
USDJPY	2.5
GBPJPY	2.5
AUDJPY	2.5
US30	2.5
USTEC	2.5

MetaTrader 5	cTrader
MatchTrader

MetaTrader 5 (MT5)
MetaTrader 5 is a popular multi-asset trading platform widely used by forex and CFD traders around the world. It offers powerful charting tools, advanced order types, algorithmic trading with Expert Advisors (EAs), and a user-friendly interface. MT5 supports more timeframes and indicators than its predecessor (MT4) and includes economic calendars, depth of market, and built-in trading signals, making it a well-rounded choice for both beginner and professional traders.

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cTrader
cTrader is a modern and intuitive trading platform known for its sleek interface and transparency. It provides advanced charting features, fast execution, and Level II pricing (depth of market), making it especially appealing to serious and professional traders. cTrader also supports algorithmic trading through its own coding language, cAlgo (C#). It’s commonly preferred for ECN (Electronic Communication Network) trading due to its clean structure and strong analytical tools.

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Match-Trader
Match-Trader is a relatively new trading platform developed with a focus on speed, flexibility, and user experience. It runs directly from a browser or mobile app without needing any downloads, offering seamless access to trading across devices. Match-Trader combines professional trading tools with simplicity, making it easy for both new and experienced traders. It’s increasingly being adopted by prop firms and brokers looking for a customizable, lightweight trading solution.

Payment Method	Processing Time	Notes

Credit/Debit Card

Instant

Must use your own card

Wire/Bank Transfer

Instant–3 Business Days

Include correct reference info for faster processing

Cryptocurrency

Minutes–Few Hours

Ensure correct network is selected; many coins accepted

Local Options

Varies by region

Includes Google Pay, Apple Pay, Neteller, Skrill, Paysafe

FundingPips offers multiple convenient and flexible payment methods so traders from around the world can join the challenge hassle-free. Whether you’re paying with traditional banking tools or modern digital assets, there’s an option that suits your style.

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💼 Credit & Debit Cards

You can pay using your personal credit or debit card, making it one of the quickest and most straightforward ways to get started. Just make sure the card is under your name, as third-party payments are strictly not allowed. It’s a fast and secure method trusted by traders worldwide.

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🏦 Bank & Wire Transfers

Prefer a more traditional route? Bank and wire transfers are fully supported. Depending on your bank and region, the processing time can range from almost instant to around 3 business days. Make sure to follow any instructions provided to avoid delays in account activation.

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₿ Cryptocurrency

For those who lean toward the digital economy, FundingPips accepts a wide selection of cryptocurrencies. Bitcoin, Ethereum, Tether (on multiple networks like ERC20, TRC20, and Polygon), USD Coin, Solana, and more are accepted. Crypto payments are typically fast, but transaction times may vary depending on network traffic.

⚠️ Important: Be extra careful to select the correct network when sending your crypto. Using the wrong blockchain (e.g., sending TRC20 USDT to an ERC20 address) can result in lost funds — and that’s on you.

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🌐 Local Payment Gateways

Depending on your location, you may have access to local payment options such as Google Pay, Apple Pay, Neteller, Skrill, and Paysafe. These regional choices offer added convenience and might also help reduce conversion fees, depending on your provider.

💡 Keep in mind: Some payment methods may not be available in all countries. Processing fees, if any, depend on your bank or financial service provider.

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🧾 Receipts & Confirmations

After completing your payment, you’ll receive an email with your receipt attached — typically within 24 hours. It’s always a good idea to keep it for your records. And if anything seems off or delayed, FundingPips’ support team is always ready to help.

Crypto	Riseworks
Pay To Card

💳 About Pay to Card

FundingPips offers fast, secure payouts directly to Visa or Mastercard, provided your bank supports this service. It’s an ideal solution for traders who want quick access to their rewards.

Note: An “Unsupported Card” error means your bank doesn’t allow this payout method, even if your country is supported.
Transfer Time: Typically instant or within 30 minutes after approval.
Processing: Up to 3 business days for review and compliance.
Delays: Rarely up to 48 hours if your bank performs additional checks.

FundingPips provides reliable and accessible customer support to assist traders at every step. Their support team can be reached via email at [email protected], offering prompt responses to queries and issues.

For more immediate assistance, traders can also call their dedicated helpline at +971 4 576 8545. Additionally, FundingPips fosters a community environment through their active Discord channel, where traders can engage, share experiences, and get support in real-time.

With physical offices located in Dubai and a registered address in Comoros, FundingPips ensures a professional presence to back its customer service efforts.

Overall, their multi-channel support approach reflects a commitment to providing timely and helpful assistance to their user base.