The verdict
How it scored
- Trust & track record
- 9.2/10
- Payouts
- 9.0/10
- Pricing & value
- 8.6/10
- Account & platform choice
- 8.4/10
- Rules & flexibility
- 8.0/10
What we liked
- Excellent reputation: ~4.5 Trustpilot across 32,000+ reviews, $260M+ paid (firm-reported)
- Fast payouts — typically processed within 24 hours, via bank or USDC
- Cheap entry: a 2-Step Pro challenge starts around $29
- Flexible paths: 1-Step, 2-Step, 2-Step Pro and Zero instant funding ($5K–$200K)
- Splits up to 100%, on MT5, cTrader, Match-Trader and TradeLocker
Worth weighing up
- CFD products are not available to US retail clients
- Accounts are simulated; payouts still depend on following the rules
- cTrader carries a small additional platform fee
- Consistency and minimum-day requirements apply before payout — read them
- Pricing, splits and rules change with frequent promos — verify before buying
Pricing & plans
Prices change often and discounts are common, always check the current promo before you buy.
| Plan | Account size | Profit target | Price |
|---|---|---|---|
| 2-Step ProCheapest entry, 80% split. Verify current price and rules. | $5K–$200K | 6% + 6% · 6% static / 3% daily DD | From ~$29 |
| 2-StepClassic two-phase challenge; most challenges deliver a 90% split. | $5K–$200K | 8% then 5% · 10% total / 5% daily DD | One-time fee |
| 1-StepFaster route to funding for confident traders. | $5K–$200K | Single phase | One-time fee |
| Zero (Instant Funding)Skips the challenge — straight to a simulated funded account; splits up to ~95%. | Select sizes | No evaluation | One-time fee |
How FundingPips works
FundingPips is a forex/CFD prop firm founded in 2022 that has grown into one of the largest in the space. You pick an evaluation path — 1-Step, 2-Step, 2-Step Pro or the Zero instant-funding program — trade within the rules, then trade a simulated funded account and request payouts. Account sizes run from $5K to $200K on MT5, cTrader, Match-Trader and TradeLocker.
The appeal is a rare combination of low price and strong reputation: a 2-Step Pro challenge starts around $29, splits go up to 100%, and payouts are processed fast (typically within 24 hours, by bank transfer or USDC).
Reputation and payouts — why it stands out
FundingPips’ track record is its biggest strength. The firm reports over $260M distributed to traders, and it holds a ~4.5 Trustpilot rating across 32,000+ reviews — an unusually strong score for a prop firm, with the large majority five-star. We have not tested payouts ourselves, so we report this as the public record rather than our own proof.
Payout speed is a standout: withdrawals are typically processed within 24 hours, with USDC crypto as an option alongside bank transfer. As always, payouts still depend on meeting the consistency and minimum-day rules, so follow the rulebook to keep your withdrawals smooth.
Challenges, drawdown and pricing
The standard 2-Step uses an 8% then 5% profit target with 5% daily / 10% total drawdown. The cheaper 2-Step Pro uses two 6% targets with a 6% static max / 3% daily drawdown and an 80% split. There is also a faster 1-Step and the Zero instant-funding route (splits up to ~95%).
On price, FundingPips is among the cheapest for its quality, and it runs frequent discounts. Note that cTrader carries a small platform fee on top. Always confirm the current targets, fees and split tiers before buying — the firm updates its plans regularly.
Who FundingPips is for
FundingPips is a strong default for forex/CFD traders who want a trusted, well-reviewed firm with cheap entry and fast payouts. The combination of a 4.5 Trustpilot score, $260M+ in reported payouts and 24-hour withdrawals makes it one of the safer picks in a space full of newer, unproven firms.
It is a weaker fit if you are a US retail client (CFD products are not available to you) or if you only trade futures (FundingPips is forex/CFD). Risk note: accounts are simulated, payouts depend on the firm’s rules, and no prop firm fee is guaranteed income — treat it as risk capital.