FundingPips Review: Programs, Rules, Payouts, Scaling, Platforms & Real Trader Fit
If you’re eyeing FundingPips, this review breaks down all account models, targets, drawdowns, payout cadence (Tuesday & on-demand tiers), scaling, platforms (MT5, cTrader, Match-Trader), and how to pass without breaking hidden rules. I keep it simple, human, and honest—so you can decide fast.
FundingPips at a Glance
- Weekly “Tuesday Pay Day”. You can request payouts each Tuesday on standard tiers; higher tiers unlock on-demand payouts. Official blog
- Multiple models. Zero (instant-style), 1-Step, 2-Step, and a “Pro” variant with lower targets for advanced risk discipline. Terms of Use · 2-Step explainer
- Scaling to big size. Official content references a scaling path up to $2M with “Hot Seat” perks. Scaling overview
- Platforms. Trade on MT5, cTrader, and Match-Trader. Homepage
Account Models: Targets, Drawdowns & Time
FundingPips offers four main paths. Targets and risk rails differ by model. Here’s a quick scan (always verify live pages before purchase):
Quick Comparison Table
| Model | Typical Profit Targets | Daily / Max Drawdown | Min Trading Days | Notes |
|---|---|---|---|---|
| Zero (instant-style) | No evaluation target; payout eligibility guardrails apply | Commonly 5% daily / 10% max* | Zero model has activity/consistency; see below | 7 profitable days per 30-day cycle (≥0.25% per “profitable day”). T&Cs |
| 1-Step | ~10% to pass | Often 5% / 10% (static) | ~3+ days | Simple route; confirm exact server specs. |
| 2-Step | Step 1: 8% → Step 2: 5% | Often 5% / 10% (static) across steps | ~3+ days/step | Official explainer notes 5% in phase 2. 2-Step blog |
| 2-Step Pro | ~6% / 6% (lower targets) | Often 3% / 6% (tighter) | Fewer min days in some variants | Pro = stricter risk for experienced traders. |
*Exact numbers can vary by server/model and can change—always confirm inside your dashboard and the Terms of Use.
Zero Model (Instant-Style) — What to Know
- Skip evaluation and trade a master account immediately. Zero model intro
- Consistency rule: 7 profitable days per 30-day cycle (≥0.25% to count). T&Cs
2-Step — Targets, Time & Mindset
Official posts outline 8% then 5% targets with similar risk parameters across steps—treat Step 2 like a funded account to avoid sloppiness. Read the explainer
1-Step — Simple, but Mind the Daily Loss
One objective (~10%) sounds easy; the trap is the daily loss. Pace trades and cap total daily exposure.
2-Step Pro — Lower Targets, Tighter Risk
Lower phase targets paired with stricter drawdown rails are ideal if your edge is slow & consistent rather than high-vol.
Rules That Matter (So You Don’t Get Nasty Surprises)
Daily Loss vs. Max Loss
Daily Loss keeps each session survivable; Max Loss is the hard stop across life of the account. Most models use static limits (not trailing), but verify inside your dashboard.
Consistency & Activity (Zero)
On Zero, you must log 7 profitable days every 30 days; a “profitable day” is one with ≥0.25% profit. Missing that cycle can close the account. Source
Strategy & EAs
Automations are permitted under anti-abuse policies; avoid toxic flow, latency/tick arbitrage, and similar patterns. Always match your tool to the Terms of Use.
News & Holding
Server-level maintenance windows and symbol-specific sessions apply (indices/crypto differ). Confirm platform trading hours per symbol before placing orders.
Payouts, Splits & Minimums
Tuesday Pay Day (Standard Tiers)
FundingPips runs a weekly “Tuesday Pay Day” format—request a payout on Tuesday, aligned to when your master account started. Blog notes an 80% split on this schedule. Source
On-Demand & Hot Seat (Advanced Tiers)
Higher tiers unlock on-demand payouts and higher splits; FundingPips content references 90% at Hot Seat and other pieces reference up to 100% on elite status. Check your plan’s exact split before requesting. Blog · Scaling/Hot Seat
Minimum Withdrawal
Independent trackers often cite a ~1% of starting balance minimum for requests; always confirm inside your dashboard and current T&Cs before you plan around it.
Scaling Plan & “Hot Seat”
FundingPips materials describe a path to ~$2M with a tiered status ladder, where higher tiers gain on-demand payouts and boosted splits. Treat each payout as a checkpoint—avoid over-risking to “force” a scale-up. Scaling overview
Practical scaling tips
- Risk throttle: Cap total open risk so a worst day can’t tag the daily loss.
- Payout discipline: Pay yourself on schedule; don’t reset the clock with reckless trades into Tuesday.
- Journal stats: Win rate by hour/session, average adverse excursion (MAE), and slippage by symbol.
Platforms, Leverage & Commissions
Trading Platforms
Choose from MT5, cTrader, and Match-Trader. Homepage
Leverage (Model-Dependent)
Expect conventional prop leverage ranges (e.g., FX often 1:50–1:100 depending on model). Always check the exact symbol list in your dashboard.
Commissions & Spreads (Typical)
| Asset / Model | Zero | 1-Step / 2-Step / Pro | Notes |
|---|---|---|---|
| FX / Metals | ~$7 / lot RT | ~$5 / lot RT | RAW-style spreads common on FX/Metals |
| Indices & Oil | Often no commission | Spread-only | |
| Crypto | ~0.04% / trade | Check weekend hours | |
Commission schedules vary by server and change periodically—confirm inside your challenge checkout and platform spec.
Who FundingPips Fits (and When to Consider Alternatives)
Great fit if you:
- Prefer weekly cash flow (Tuesday) and potential on-demand payouts later.
- Like MT5/cTrader/Match-Trader flexibility.
- Run systematic/EA-assisted strategies that avoid toxic flow.
Maybe look elsewhere if you:
- Need ultra-high leverage or no daily loss models.
- Churn many micro-scalps into maintenance/news windows.
- Dislike consistency/activity requirements on instant-style models.
How to Pass & Keep Accounts Alive (Simple Playbook)
Hedging your day: the “40/60 Gate”
Allocate 40–60% of the daily loss as your total risk budget. Example: with a 5% daily limit, stop trading at 2–3% “worst case” (closed PnL + open risk). Live to fight Tuesday.
Lot-size formula
Lots = (Account × Risk% per trade) ÷ (Stop in points × Value/lot/point)
Session discipline
- Stick to your documented “best hour”.
- Expect tighter spreads/liquidity in EU→US overlap; avoid low-liquidity resets.
- Journal slippage and MAE; adjust size before scale-up.
FundingPips FAQs
How do Tuesday payouts work?
You can request a payout on Tuesdays; the window aligns to your master-account start. Standard tiers cite an 80% split; higher tiers move to on-demand with higher splits. Read the policy
What’s the “Hot Seat”?
A status tier that unlocks on-demand payouts and higher profit splits (firm materials reference 90%+ and “up to 100%” on some elite tiers). Scaling overview
Minimum payout?
Trackers often cite ~1% of starting balance as the minimum. Verify in your live dashboard/T&Cs.
Is there a time limit to pass?
Many variants run no hard time limit to pass but require minimum trading days. Confirm the count for your model.
Are EAs/bots allowed?
Yes, when compliant with anti-abuse rules—no toxic flow/latency/tick arbitrage, no emulators; follow platform windows. Terms
What about the Zero model’s “profitable days” rule?
You must achieve 7 profitable days (≥0.25% each) inside every 30-day cycle, or the account can be closed. T&Cs
Ready to trade FundingPips with a plan?
Pick the model that suits your edge, cap daily risk, and stick to your Tuesday rhythm. If you scale into Hot Seat, on-demand payouts can be the cherry on top.
Education only. Prop-firm “funding” is a simulated evaluation; real markets carry risk. Always read the live Terms and program pages for your server.