Funding Pips Review 2026: Funded Accounts, Scaling to $2M & Is It Worth It?

Funding Pips is a rapidly growing proprietary trading firm, founded in 2022 in the United Arab Emirates, providing traders worldwide with access to funded accounts across forex, indices, commodities, metals, and cryptocurrencies. With account sizes ranging from $5,000 to $200,000, the firm caters to both beginner and experienced traders looking to scale their trading capital.

Funding Pips offers multiple evaluation pathways, including 1-step and 2-step challenges, as well as instant funded account options for traders who prefer to bypass the traditional evaluation process. These structured programs are designed to identify disciplined and consistent traders while offering flexibility for different trading styles.

The firm is known for its scalable funding model, allowing successful traders to grow their accounts up to $2 million as they demonstrate consistent performance. With competitive profit-sharing structures, clear trading rules, and streamlined payout processes, Funding Pips enables traders to focus on performance and long-term growth.

With its combination of diverse markets, flexible funding options, and strong scaling potential, Funding Pips has quickly established itself as a top choice for traders seeking funded accounts and long-term opportunities in the proprietary trading industry.

Trust and Reputation

Funding Pips holds a strong reputation in the trading community, known for its transparent evaluation process and trader-focused funding model.

Pros of Funding Pips

Cons of Funding Pips

Category
Details
Firm Name
Funding Pips
Founder/ CEO
Co founders: Erkan Y and Khaled Ayesh (CEO)
Country/ Headquarters
UAE
Founded/ Years in Operation
Founded in 2022
Trustpilot Rating
4.5 / 5
Platforms Supported
cTrader, MT5 and Match Trader
Payment Methods (Entry/ Subscription)
4.5 / 5 Crypto, Debit/Credit Cards, G Pay, Skrill (+4% fee), Neteller (+4% fee), Paysafecard (+10% fee) and Paypal
Payout/ Withdrawal Methods
Rise, Crypto, Debit Card and Direct Bank Transfers
Tradeable Assets
FX, Indices, Metals, Energies and Crypto
Commission
For 1-Step, 2-Step, and 2-Step Pro accounts, Forex and Metals are charged $5 per lot on Standard accounts and $10 per lot on Swap-Free (MT5) accounts; Energies and Indices carry no commission, and Crypto is charged 0.04% on both account types. For Zero accounts, Forex and Metals incur $7 per lot on Standard accounts and $10 per lot on Swap-Free (MT5) accounts, while Energies and Indices remain commission-free and Crypto is 0.04% on both.
Scaling Potential
Scaling up to $2 million is possible.
Discount/ Promo
Use code HAPPY and get 20% off first purchase
Payout Frequency
Payout frequency depends on the reward cycle you choose, with options including On Demand, Weekly, Bi-Weekly, and Monthly payouts.   
Demo Accounts
Not available. However, they do offer free monthly trading competitions, giving traders the opportunity to compete for funded accounts and other rewards.
Account Currency Options
USD only
US Traders Allowed
Allowed with match trader. Don't allow ctrader - check if can use MT5
Restricted Countries
UAE, Vietnam and Iran

Funding Programs Offered

  • 1-Step Account – Designed for traders who prefer a simpler evaluation process with only one phase before getting funded.

  • 2-Step Account – A two-phase evaluation model that allows traders to prove consistency before receiving funding.

  • 2-Step Pro Account – Similar to the 2-Step model but with enhanced conditions for more experienced traders seeking greater flexibility.

  • Zero (Instant) Account – An instant funding option that allows traders to start trading immediately without going through an evaluation phase.

1-Step Program

  • One-Step Evaluation Program – Offers account sizes ranging from $5,000 to $100,000.

  • Leverage – Provides leverage of up to 1:30.

  • Entry Fees – Fees range from $59 to $555, excluding any optional add-ons.

2-Step Program

  • Two-Step Evaluation Program – Offers account sizes ranging from $5,000 to $100,000.

  • Leverage – Provides leverage of up to 1:100, or up to 1:30 for swap-free accounts.

  • Entry Fees – Fees range from $36 to $529, excluding any optional add-ons.

2-Step Pro Program

  • Two-Step Evaluation Program – Offers account sizes ranging from $5,000 to $200,000.

  • Leverage – Provides leverage of up to 1:100, or up to 1:30 for swap-free accounts.

  • Entry Fees – Fees range from $29 to $798, excluding any optional add-ons.

Zero Program

  • Zero Program (Instant Funding) – Provides instantly funded accounts with sizes ranging from $5,000 to $200,000.

  • Leverage – Offers leverage of up to 1:50, or up to 1:30 for swap-free accounts.

  • Entry Fees – Fees range from $69 to $998, excluding any optional add-ons.

Add-Ons

  • During the purchase process, traders have the option to select the Swap Free add-on, which enables them to hold positions overnight without incurring swap (interest) fees. This feature is exclusively available for MT5 (MetaTrader 5) accounts. The Swap Free add-on applies only to Forex and Metals instruments. Please note that Energies, Indices, and Cryptocurrencies remain subject to standard swap charges, even if the add-on is selected. Additionally, choosing the Swap Free add-on may reduce the maximum leverage available on the account
  • Another available add-on for the 2-Step Funding Pro challenge allows traders to increase the profit target from 8% to 10%, which lowers the overall cost of the evaluation.
  • Selecting cTrader as your trading platform incurs an additional fee.
  • Once you become funded, your reward cycle is activated, and the cycle you choose determines your profit split. For 1-Step and 2-Step accounts, the options are On Demand with a 90% split, Weekly at 60%, Bi-Weekly at 80%, and Monthly at 100%. The 2-Step Pro account offers Daily and Weekly cycles, both with an 80% profit split, while the Zero account provides only a Bi-Weekly cycle with a 95% split. Selecting the right reward cycle allows traders to align their payouts with their trading style and profit objectives.

Funding Programs Costs and Details

Category
1-Step
2-Step
2-Step Pro
Zero
Structure / Steps
1-step (evaluation funded)
2-step evaluation funded
2-step evaluation  funded
Instantly Funded
Entry Fee
$59–$99-$199-$319-$555
$36–$66-$156-$289-$529
$29-$55-$109–$219-$399-$798
$69-$99-$199–$299-$499-$998
Account Sizes
$5K, $10K, $25K, $50K, $100K
$5K, $10K, $25K, $50K, $100K
$5K, $10K, $25K, $50K, $100K, $200K
$5K, $10K, $25K, $50K, $100K, $200K
Profit Target
10%
8% (Phase 1) + 5% (Phase 2)
6% per phase
NA
Max Loss / Drawdown
6% total, 3% daily
10% total, 5% daily
6% total, 3% daily
5% Trailing Max, 3% Daily
Leverage
FX 1:30, Indices 1:5, Metals 1:10, Energies 1:10 & Crypto 1:1
FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
Up to 1:50 (check deets)
Profit Split
60  100%
60  100%
80%
95%
Scaling Plan / Growth
Up to $2 million
Up to $2 million
Up to $2 million
Up to $2 million
News Trading
There are no news trading restrictions during the Evaluation phase. On Master accounts, profits from trades executed within 5 minutes before or after a high-impact (red folder) news event or speech on the affected currencies will not be counted, unless the position was opened at least 5 hours prior to the event. News trading is allowed on the 1-Step and 2-Step models for traders who selected the On-Demand reward cycle.
There are no news trading restrictions during the Evaluation phase. On Master accounts, profits from trades executed within 5 minutes before or after a high-impact (red folder) news event or speech on the affected currencies will not be counted, unless the position was opened at least 5 hours prior to the event. News trading is allowed on the 1-Step and 2-Step models for traders who selected the On-Demand reward cycle.
There are no news trading restrictions during the Evaluation phase. On Master accounts, profits from trades executed within 5 minutes before or after a high-impact (red folder) news event or speech on the affected currencies will not be counted, unless the position was opened at least 5 hours prior to the event. News trading is allowed on the 1-Step and 2-Step models for traders who selected the On-Demand reward cycle.
Not allowed
Program
Account Size
Cost
Profit Target
Max Loss (Static)
Daily Drawdown (Static)
Leverage
Profit Split
Scaling Plan / Growth
1-Step
$5,000
$59
10%
6%
3%
FX 1:30, Indices 1:5, Metals 1:10, Energies 1:10 & Crypto 1:1
60  100%
Up to $2 million
1-Step
$10,000
$99
10%
6%

3%



FX 1:30, Indices 1:5, Metals 1:10, Energies 1:10 & Crypto 1:1
60  100%
Up to $2 million
1-Step
$25,000
$199
10%
6%

3%



FX 1:30, Indices 1:5, Metals 1:10, Energies 1:10 & Crypto 1:1
60  100%
Up to $2 million
1-Step
$50,000
$319
10%
6%

3%



FX 1:30, Indices 1:5, Metals 1:10, Energies 1:10 & Crypto 1:1
60  100%
Up to $2 million
1-Step
$100,000
$555
10%
6%

3%



FX 1:30, Indices 1:5, Metals 1:10, Energies 1:10 & Crypto 1:1
60  100%
Up to $2 million
Program
Account Size
Cost
Profit Target (Phase 1)
Profit Target (Phase 2)
Max Loss (Static)
Daily Drawdown (Static)
Leverage
Profit Split
Scaling Plan / Growth
2-Step
$5,000
$36
8%
5%
10%
5%
FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
60  100%
Up to $2 million
2-Step
$10,000
$66
8%
5%
10%

5%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
60  100%
Up to $2 million
2-Step
$25,000
$156
8%
5%
10%

5%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
60  100%
Up to $2 million
2-Step
$50,000
$289
8%
5%
10%

5%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
60  100%
Up to $2 million
2-Step
$100,000
$529
8%
5%
10%

5%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
60  100%
Up to $2 million

With the 2-Step program, you have the option to increase your Phase 1 profit target from 8% to 10%. Choosing this option not only gives you a higher target but also reduces the cost of the evaluation. For example, for a $100K account, the evaluation price drops from $529 to $489.

Program
Account Size
Cost
Profit Target (Phase 1)
Profit Target (Phase 2)
Max Loss (Static)
Daily Drawdown (Static)
Leverage
Profit Split
Scaling Plan / Growth
2-Step Pro
$5,000
$29
6%
6%
6%
3%
FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
80%
Up to $2 million
2-Step Pro
$10,000
$55
6%
6%
6%

3%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
80%
Up to $2 million
2-Step Pro
$25,000
$109
6%
6%
6%

3%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
80%
Up to $2 million
2-Step Pro
$50,000
$219
6%
6%
6%

3%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
80%
Up to $2 million
2-Step Pro
$100,000
$399
6%
6%
6%

3%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
80%
Up to $2 million
2-Step Pro
$200,000
$798
6%
6%
6%

3%



FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2
80%
Up to $2 million
Program
Account Size
Cost
Profit Target (Phase 1)
Max Loss (Trailing)
Daily Drawdown (Static)
Leverage
Profit Split
Scaling Plan / Growth
Zero (Instant)
$5,000
$69
NA
5%
3%
Up to 1:50
95%
Up to $2 million
Zero (Instant)
$10,000
$99
NA
5%

3%



Up to 1:50
95%
Up to $2 million
Zero (Instant)
$25,000
$199
NA
5%

3%



Up to 1:50
95%
Up to $2 million
Zero (Instant)
$50,000
$299
NA
5%

3%



Up to 1:50
95%
Up to $2 million
Zero (Instant)
$100,000
$499
NA
5%

3%



Up to 1:50
95%
Up to $2 million
Zero (Instant)
$200,000
$998
NA
5%

3%



Up to 1:50
95%
Up to $2 million

 Trading Rules & Policies

Rule
Details
Account Types Available
1-Step, 2-Step, 2-Step Pro and Zero
Expert Advisers (EAs)
Expert Advisor (EA) is allowed as long as it is a trade or risk manager. Therefore most EA's are not allowed.
Copy Trading
You can copy trade between your own FundingPip accounts. You can use a trade copier from FundingPips account (as master account) to an external account.
Account Merging
Accounts can be merged if they are funded accounts, have a balance above the initial amount, and use the same evaluation model.
Maximum Account Capital
$300K before scaling.
VPS Usage
Allowed. However the IP region used to purchase the evaluation, log into FundingPips, and access your account during both the Evaluation Phase and on your Master Account must stay consistent.
VPN usage
Allowed. However the IP region used to purchase the evaluation, log into FundingPips, and access your account during both the Evaluation Phase and on your Master Account must stay consistent.
News Trading
There are no news trading restrictions during the Evaluation phase. On Master accounts, profits from trades executed within 5 minutes before or after a high-impact (red folder) news event or speech on the affected currencies will not be counted, unless the position was opened at least 5 hours prior to the event. News trading is allowed on the 1-Step and 2-Step models for traders who selected the On-Demand reward cycle. News trading is not allowed on Zero accounts.


Overnight/ Weekend Holding
Overnight holding is allowed. Weekend holding is permitted on Evaluation accounts but not on Funded accounts. For 1-Step, 2-Step, and 2-Step Pro accounts, weekend positions will be automatically closed and will not be considered a breach. For Zero accounts, holding trades over the weekend is considered a breach.
Leverage
Zero: Up to 1:50 (check deets). 1-Step: Up to 1:30 (FX 1:30, Indices 1:5, Metals 1:10, Energies 1:10 & Crypto 1:1). 2-Step and 2-Step Pro: Up to 1:100 (FX 1:100, Indices 1:20, Metals 1:30, Energies 1:10 & Crypto 1:2)
Max Risk Per Trade
Zero Accounts: The 1% Maximum Risk Limit means your floating PnL cannot drop below -1% of the account balance at any time. If it does, the account is considered breached.Master Accounts: The maximum risk per trade is based on the initial account balance. Accounts below $50K can risk up to 3% per trade, while accounts above $50K are limited to 2% per trade. Multiple positions on the same trade are treated as one combined trade for risk calculation.
Profit Split
Depends on the reward cycle selected. For 1-Step and 2-Step accounts, the split is 90% on-demand, 60% weekly, 80% bi-weekly, and 100% monthly. For 2-Step Pro accounts, the split is 80% for both daily and weekly payouts. Zero accounts offer a 95% split on a bi-weekly basis; however, traders must maintain a 15% consistency score, a 3% safety cushion, and ensure that their largest loss is smaller than their largest win.
Minimum Payout
The minimum payout equals 1% of the starting balance, inclusive of their split. For On-Demand Rewards, the minimum payout is 2%.
Consistency Rule
Zero Accounts: A 15% consistency rule applies, meaning your largest winning day cannot exceed 15% of total profits.1-Step, 2-Step, and 2-Step Pro Accounts: A 35% consistency rule applies when using On-Demand or Daily reward cycles. There is no consistency rule for other reward cycles, such as Weekly payouts. The consistency score resets each time a reward is requested.
Number of Accounts Allowed
Traders may hold multiple accounts as long as the total combined allocation does not exceed $300k before scaling.
Scaling Plan
Accounts can scale up to $2 million through a four-level program. You start at Launchpad (Level 1), where achieving four rewards and 10% total profit unlocks a 20% capital increase. At Ascender (Level 2), eight rewards and 20% profit provide a 30% scale-up. Reaching Trailblazer (Level 3) with twelve rewards and 30% profit increases capital by 40%. Finally, after sixteen rewards and 40% total profit, you reach Hot Seat, the Elite level, where the initial balance can be doubled along with additional benefits.
Refund Policy
All traders who successfully complete the Evaluation phase will receive a refund of their fees as part of their 4th reward.
Martingale
Allowed
Scaling Into Trades
Allowed
Stop Loss required
No
Prohibited Strategies
Prohibited strategies include gap trading, high-frequency trading, latency arbitrage, toxic trading flow, hedging, long-short and reverse arbitrage, tick scalping, server execution, opposite account trading and churning.

Funding Pips vs Top One Trader vs Blue Guardian vs Funding Rock

Prop Firm
Evaluation Type
Account Sizes
Cost
Profit Target
Max Loss
Scaling Max
Discount
Funding Pips
Instant, 1-2 Step
$5k-$200k
$29-$998
6-10% (phase 1), 5-6% (phase 2)
5-10%
$2 million
20% off (HAPPY)
Top One Trader
Instant, 1-2 Step
$5k-$200k
$64–$2,573 (pre-discount)
8-10% (phase 1), 5% (phase 2)
6-8%
$5 million
82.7% Off (REVIEWS) – Stack with Their Code
Blue Guardian
Instant, 1-2 Step
$5k-$200k
$27-$1050
6-10% (per phase)
6-10%
$2 Million
30% off (REVIEWS)
Funding Rock
2-Step
$5k-$100k
$59-$549
8% (Phase 1), 5% (Phase 2)
10%
$1 Million
30% off (ROCK30)

Funding Pips Pro's

  • Accounts may be scaled up to $2 million
  • Accessible in most countries, with limited geographic restrictions

Funding Pips Con's

  • Additional fees apply for access to cTrader
  • Live support quality may vary at times

Top One Trader Pro's

(Read Full Review)

  • Scaling is available up to $5 million per account
  • Discount codes help reduce overall costs substantially

Top One Trader Con's

  • Expert Advisors are restricted to evaluation accounts and are not permitted on funded accounts
  • Copy trading and account merging are not permitted

Blue Guardian Pro's

(Read Full Review)

  • Account scaling is available up to $2 million
  • Applying a discount code can significantly reduce evaluation costs.

Blue Guardian Con's

  • Some assets have wider spreads
  • Trustpilot rating is not available due to a violation of Trustpilot’s terms

Funding Rock Pro's

(Read Full Review)

  • Opportunity to scale accounts up to $1 million
  • Evaluation fee refunded with first payout

Funding Rock Con's

  • Copy trading and account merging are not allowed
  • TradeLocker is the only available trading platform

Final Verdict: Is Funding Pips Worth It?

Funding Pips stands out as a competitive and accessible proprietary trading firm, offering a wide range of funding options including instant funded accounts, as well as 1-step and 2-step evaluations. With account sizes up to $200,000 and scaling potential reaching $2 million, it provides a strong pathway for traders looking to grow their capital over time.

One of its key advantages is global accessibility, as Funding Pips supports traders from a wide range of countries, making it more inclusive than many competing prop firms. Its relatively straightforward challenge structure, flexible trading conditions, and support for multiple trading styles make it appealing to both beginner and experienced traders.

However, there are some limitations to consider. While the evaluation fee can be refunded, this only occurs after the fourth payout, which may be less attractive compared to firms that offer faster refunds. As with any prop firm, success ultimately depends on a trader’s ability to manage risk, remain consistent, and operate within the firm’s rules.

Bottom line: Funding Pips is a solid choice for traders seeking flexible funding options, global access, and long-term scaling potential. It is best suited for disciplined traders who are comfortable with the payout structure and want a clear path to managing larger capital.

Otherwise, explore these strong alternatives:

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