FundingPips Review: rules, challenges and payouts

Platforms3

• MT5MT5
• cTradercTrader
• Match-TraderMatch-Trader

The details

Data feed / broker

FundingPips' own simulated servers (MT5 company: FundingPips Corp)

Assets

FXMetalsIndicesEnergyCrypto

Instruments

41 CFDs: 28 forex pairs (7 majors, 21 crosses), gold and silver, 7 cash indices (DJI30, NDX100, SPX500, GER40, FTSE100, JP225, STX50), Brent and WTI oil, and BTCUSD and ETHUSD.

Leverage and limits

Standard accounts: forex 1:100, metals 1:30, energies 1:10, indices 1:20, crypto 1:2 (1:1 on Master for now). Swing and swap-free accounts: forex 1:30, metals 1:10, energies and indices 1:5, crypto 1:1. Zero: forex 1:50; metals, energies and indices 1:10. Since March 2026, Master Accounts use tiered leverage on metals, indices and energies: 1:50 on the first 0.05 lots down to 1:5 above 0.5 lots. Maximum 20 lots per order, 1 lot on crypto.

Commissions

Forex and metals $5 per lot ($10 on Swing and swap-free accounts, $7 on Zero); indices and energies free; crypto 0.04% of notional.

Max allocation

$400K$400,000 shared across every active Evaluation and Master Account; invite-only Prime Accounts can reach $2,000,000.

Legal entity

FundingPips Corp

1. 01

   Max loss: a fixed floor (trailing on Zero)

   Strict

   On 1 Step Flex, 2 Step Standard, 2 Step Pro and 2 Step Flex the floor is fixed 12%, 10%, 6% and 12% below the starting balance and never moves. Balance or equity touching it, even for a moment, closes the account. Zero instead trails your highest equity by 5% and stops at the starting balance.

   Example

   On a $100,000 2 Step Standard account the floor is $90,000 for good. On a $100,000 Zero account that peaks at $102,000 equity, the floor is $97,000; once equity reaches $105,000, it locks at $100,000.

2. 02

   Daily loss: from the higher of balance or equity at 00:00 (UTC+3)

   Strict

   Each day at 00:00 platform time (UTC+3) the system records balance and equity and takes the higher as the base. Equity may not fall below the base minus the daily limit: 2% or 3% on 1 Step Flex, 3% or 5% on 2 Step Standard, 4% on 2 Step Flex, 3% on 2 Step Pro and Zero. Floating losses count; touching it is a hard breach.

   Example

   On a $100,000 2 Step Standard (5%) account you open the day with a $105,000 balance and $107,000 equity. The base is $107,000, so equity may not touch $101,650 that day.

3. 03

   Master Accounts are flattened every evening

   Strict

   Evaluations may hold overnight and over weekends. On 1 Step Flex, 2 Step Standard, 2 Step Pro and 2 Step Flex Master Accounts the system closes every position daily between 20:45 and 21:00 UTC (21:45–22:00 in winter), unless you bought the Swing add-on (about 10% extra, lower leverage, $10 commission). The closure is not a breach, but the day does not count as a trading day. On Zero, a weekend hold is a hard breach.

   Example

   A EUR/USD long opened at 10 p.m. Hong Kong or Taipei time on a $50,000 2 Step Pro Master Account without Swing is closed by the system at about 04:45 the next morning (05:45 in winter).

4. 04

   Striking System: losing trade ideas cost you split

   Strict

   A trade idea is one trade, several trades on the same instrument and direction, or new trades opened within 10 minutes of closing a loser. When its combined loss reaches the trigger, a warning is logged and its profit removed; the 2nd halves your split, the 3rd cuts it to 20%, the 4th closes the account. Warnings never reset. Trigger: 1% on 1 Step Flex, 1.2% on 2 Step Standard above $25,000, 1% on any Monthly cycle.

   Example

   On a $50,000 1 Step Flex Master Account the trigger is $500. Two EUR/USD buys floating at -$300 and -$250 total $550: one warning. A second warning later drops an 80% split to 40%.

5. 05

   News: profit removed on Master, banned on Zero

   Watch out

   Evaluations have no news window, but deliberately trading the spike still gets accounts closed. On Master Accounts, profit from trades on the affected currency opened or closed within 5 minutes of a restricted high-impact release (10 minutes around speeches) is deducted, unless opened 5 hours or more before. On Zero, opening, closing or holding within 10 minutes of the event is a hard breach. The FundingPips dashboard calendar is the reference.

   Example

   US CPI comes out at 20:30 Hong Kong time. On a Master Account, a USD/JPY trade closed at 20:33 for +$400 loses that $400 unless it was opened before 15:30. On Zero, any USD position still open at 20:20 is a breach.

6. 06

   Zero: open-risk and trade-idea caps

   Strict

   On Zero, the combined floating loss of all open positions may not reach 1% of the starting balance at any moment, and winning positions do not offset it. One trade idea may not lose 3% (accounts under $50,000) or 2% ($50,000 and up). Either is a hard breach, even if the trades later recover.

   Example

   On a $25,000 Zero account, three open trades floating at -$100, -$90 and -$60 add up to -$250, which is 1%, and the account is closed.

7. 07

   Consistency: only on Monthly, On Demand and Zero

   Watch out

   There is no consistency rule in the evaluation. To take a reward on the 100% Monthly or 90% On Demand cycle, your best day may be no more than 35% of total profit; Monthly also needs 7 profitable days of 0.5%+. Zero needs 15% and 7 days of 0.25%+. Failing it blocks the reward; it does not close the account.

   Example

   On a $100,000 Monthly-cycle account, if your best day made $3,000, total profit must reach about $8,572 before you can request a reward.

8. 08

   No VPN or VPS; keep one IP region

   Watch out

   You may not access your trading account through a VPN or VPS. The IP region you buy, log in and trade from should stay the same; if it jumps, the Responsible Trading Team may ask for a boarding pass, passport stamp or live video. Letting anyone else trade your account, or copying signals into it, ends the account.

   Example

   Trading a Hong Kong-bought account directly from a Taipei hotel is fine, though you may be asked for proof of travel; trading it through a VPS in Singapore is not.

9. 09

   Close a trade at least every 30 days

   Good to know

   An account with no fully closed trade in 30 consecutive calendar days is breached. The clock starts at account creation or the day after your last closed trade; an open position does not count. Otherwise there is no deadline for the profit target.

Trading styles

• News trading

  With conditions

  Free in evaluations; on Master, profit within 5 minutes of a release (10 around speeches) is deducted; on Zero, banned within 10 minutes.

• EAs / bots

  With conditions

  Third-party EAs only as trade or risk managers; full automation only with your own EA and proof of ownership.

• Copy trading

  With conditions

  Between your own FundingPips accounts, or outward to an external account; never inward from signals or other people.

• Hedging

  Not allowed

  FundingPips lists hedging among its forbidden strategies.

• Holding overnight

  With conditions

  Allowed in evaluations; Master Accounts are flattened nightly unless you buy Swing; Zero may hold overnight on weekdays only.

• Holding over the weekend

  With conditions

  Allowed in evaluations; Master Accounts need Swing; on Zero a weekend hold closes the account.

• Scalping

  With conditions

  Ordinary scalping is fine; HFT, tick scalping, server spamming and latency arbitrage are banned.

1. 01 · First payout

   Depends on the cycle chosen when the Master Account opens: 7 days after your first Master trade (Weekly), 14 days (Bi-Weekly and Zero), 30 days (Monthly), or as soon as the On Demand conditions are met. The Master Account itself follows KYC and up to about 4 working days of review.

2. 02 · After that

   Weekly, every 14 days, every 30 days or on demand, fixed per account. Requests are processed in 1–3 working days, plus 1–2 days to arrive.

3. 03 · Profit split

   Weekly 60% (2 Step Standard) or 80% (2 Step Pro); Bi-Weekly 80% (95% on the 2 Step Flex 95% option); On Demand 90%; Monthly 100%; Zero 95%.

Minimum

1% of the account size ($1,000 on $100,000); 2% on On Demand. Rise and bank transfer need $500.

Caps

None

Payout methods

• Crypto (USDT/USDC, ERC20)
• Rise
• Card (Visa/Mastercard)
• Bank transfer
• Tradin transfer
• Buy a Challenge

Before you can request

• Close every position and pending order and wait 15 minutes before requesting; trading is disabled while the reward is processed.
• Monthly 100%: 35% consistency and 7 profitable days of 0.5%+; On Demand 90%: 35% consistency and at least 2% profit.
• Zero: 15% consistency, 7 profitable days of 0.25%+ in 30 days, the first 3% of profit held back, and no loser bigger than your biggest winner.
• Rewards go only to cards, wallets or bank accounts in your own name; your Rise email must match your FundingPips email.
• Only 2 Step Standard refunds the evaluation fee, with the 4th reward; other models never do.

What we read

1. 01Compare Account Models (prices and rules by model)
2. 021 Step Flex
3. 032 Step Standard
4. 042 Step Pro
5. 052 Step Flex
6. 06FundingPips Zero
7. 07News Trading & Weekend Holding
8. 08Reward Methods
9. 09Level Up Your Trading (allocation, resets)
10. 10Trading Conduct and Security Standards
11. 11Get Started (restricted countries, HELLO code)

XSR may earn a commission when you buy with a partner code; it never changes the order of firms. Prop-firm evaluations are simulated accounts sold as a product — most buyers do not pass, and no firm is regulated as a category. Nothing here is investment advice.