FundingPips Review 2026: Weekly Payouts, Instant Cards & $145M+ Paid Out (Complete Guide)
Profit Split
80-100%
Max Funding
$2,000,000
Payout Speed
Weekly (Tuesday Pay Day)
Rating
4.6/5
Evaluation
1-Step, 2-Step, Zero (Instant)
Starting From
$32
Table of Contents
- What is FundingPips?
- 2025-2026 Major Updates
- Funding Programs Explained
- Pricing and Account Sizes
- Trading Rules Deep Dive
- Payout System Explained
- Trading Platforms and Conditions
- The Hot Seat Elite Program
- Real Trader Experiences
- FundingPips vs Competitors
- Is FundingPips Right for You?
- Final Verdict
What is FundingPips?
FundingPips is a proprietary trading firm founded in 2022 and headquartered in Dubai, UAE. Under the leadership of CEO Khaled Ayesh, the firm has grown from a budget-friendly newcomer to one of the most popular prop trading platforms globally.
Key Statistics (2026)
| Metric | Value |
|---|---|
| Founded | 2022 |
| Total Payouts | $145,000,000+ |
| Active Traders | 100,000+ |
| Countries Served | 180+ |
| Challenge Options | 1-Step, 2-Step, Zero (Instant) |
| Maximum Account Size | $2,000,000 |
FundingPips differentiates itself with:
- Ultra-low pricing starting at just $32 for a $5K account
- Weekly payouts (every Tuesday)
- Instant Mastercard/Visa payouts - a first in the industry
- No time limits on evaluations
The firm survived a major crisis in 2024 when MetaQuotes (MT4/MT5 provider) terminated services to prop firms. While many competitors collapsed, FundingPips successfully migrated 100,000+ traders to Match-Trader and cTrader within two weeks—demonstrating resilience and commitment to their community.
2025-2026 Major Updates
FundingPips has made significant improvements since our last review:
✅ Removed the 1-Minute Trade Rule
Previously, traders were penalized for closing trades within one minute. This restriction has been completely eliminated, opening the door for scalpers and high-frequency strategies.
✅ Instant Mastercard/Visa Payouts
FundingPips is the first major prop firm to offer direct payouts to Mastercard and Visa debit/credit cards. No more waiting for crypto transactions or bank transfers—profits go straight to your card.
✅ Copy Trading Now Allowed
Traders can now copy trades between their personal accounts. This enables:
- Managing multiple funded accounts with one strategy
- Diversifying risk across account sizes
- Using trade copier software (like Replikanto)
✅ News Trading Allowed
As of May 2025, FundingPips lifted restrictions on trading during Yellow and Orange news events. Traders can now capitalize on economic announcements without fear of rule violations.
✅ No Lot Size Cap in 1-Step Challenge
The daily lot size cap in the 1-Step Challenge has been removed, allowing traders to scale their positions freely based on their risk management.
✅ IP Travel Restrictions Lifted
Traders can now access their accounts from anywhere in the world without triggering security flags. This is perfect for digital nomads and traveling traders.
✅ Faster Onboarding
Account setup has been reduced to just two business days, significantly faster than industry norms.
✅ Dedicated WhatsApp Support
Master (funded) traders now have access to dedicated WhatsApp support for faster, personalized assistance.
Funding Programs Explained
FundingPips offers three distinct paths to funded trading:
1-Step Challenge (Evaluation)
The fastest path to funding with a single-phase evaluation:
| Metric | Requirement |
|---|---|
| Profit Target | 10% |
| Daily Loss Limit | 5% |
| Maximum Loss | 10% |
| Minimum Trading Days | None |
| Time Limit | Unlimited |
Best for: Confident traders who want quick access to capital.
2-Step Challenge (Standard)
The traditional two-phase approach with lower targets:
| Phase | Profit Target | Daily Loss | Max Loss | Min Days |
|---|---|---|---|---|
| Phase 1 | 8% | 5% | 10% | 0 |
| Phase 2 | 5% | 5% | 10% | 0 |
| Funded | N/A | 5% | 10% | 5 days |
Best for: Traders who prefer lower targets and a structured approach.
Zero Program (Instant Funding)
Skip the evaluation and start trading funded capital immediately:
| Metric | Requirement |
|---|---|
| Profit Target | N/A (start funded) |
| Daily Loss Limit | 4% |
| Maximum Loss | 6% |
| Profit Split | 95% |
| Minimum Trading Days | 5 |
Zero Program Advantage
The Zero Program offers an industry-leading 95% profit split from day one, significantly higher than the 80% split on challenge accounts. This premium is worth it for experienced traders who are confident in their strategy.
Best for: Experienced traders who want immediate capital access with higher profit splits.
Pricing and Account Sizes
FundingPips pricing is among the most competitive in the industry:
1-Step Challenge Pricing
| Account Size | Price | Profit Target |
|---|---|---|
| $5,000 | $32 | $500 (10%) |
| $10,000 | $55 | $1,000 (10%) |
| $25,000 | $129 | $2,500 (10%) |
| $50,000 | $199 | $5,000 (10%) |
| $100,000 | $399 | $10,000 (10%) |
2-Step Challenge Pricing
| Account Size | Price | Phase 1 Target | Phase 2 Target |
|---|---|---|---|
| $5,000 | $25 | $400 (8%) | $250 (5%) |
| $10,000 | $45 | $800 (8%) | $500 (5%) |
| $25,000 | $99 | $2,000 (8%) | $1,250 (5%) |
| $50,000 | $159 | $4,000 (8%) | $2,500 (5%) |
| $100,000 | $299 | $8,000 (8%) | $5,000 (5%) |
Zero Program (Instant Funding) Pricing
| Account Size | Price | Profit Split |
|---|---|---|
| $2,500 | $175 | 95% |
| $5,000 | $295 | 95% |
| $10,000 | $495 | 95% |
| $25,000 | $995 | 95% |
Frequent Sales
FundingPips runs frequent promotions with discounts up to 50% off. Sign up for their newsletter to get notified of sales. During major sales, $5K accounts can drop as low as $5-15.
Trading Rules Deep Dive
Understanding the rules is essential for success. Here's everything you need to know:
Drawdown Rules
FundingPips uses a balance-based drawdown system:
- Daily Loss Limit: 5% of starting daily balance
- Maximum Loss Limit: 10% of initial balance (fixed)
- Calculation: Based on balance, not equity
Example ($100K account):
- Starting balance: $100,000
- Maximum drawdown: $10,000 (account breaches at $90,000)
- Daily loss: $5,000 (resets at server rollover)
Trading Style Flexibility
| Feature | 1-Step & 2-Step | Zero Program |
|---|---|---|
| News Trading | ✅ Allowed | ✅ Allowed |
| Weekend Holding | ✅ Allowed (Swing) | ✅ Allowed |
| EAs & Bots | ✅ Allowed | ✅ Allowed |
| Scalping | ✅ Allowed | ✅ Allowed |
| Hedging | ✅ Allowed | ✅ Allowed |
| Copy Trading | ✅ Allowed | ✅ Allowed |
| Crypto Trading | ✅ Allowed | ✅ Allowed |
What's NOT Allowed
- ❌ "Equity on Balance" manipulation (gaming payouts)
- ❌ Exploiting platform errors or price glitches
- ❌ Trading with insider/non-public information
- ❌ Account sharing or third-party trading
Account Rules to Remember
- No minimum trading days on challenges - Pass in 1 day if you can
- 5 minimum trading days for first payout on funded accounts
- No time limit - Take as long as you need
- All positions must be closed before requesting a payout
Payout System Explained
FundingPips has one of the fastest and most flexible payout systems in the industry.
Tuesday Pay Day
Payouts can be requested every Tuesday:
- Trade for at least 5 days on your funded account
- Achieve at least 1% profit ($1,000 on a $100K account)
- Close all positions
- Request payout via dashboard
- Receive funds within 24-48 hours
Profit Split Structure
| Stage | Profit Split |
|---|---|
| Challenge | 80% |
| Zero Program | 95% |
| Hot Seat Level | 90-100% |
| 16+ Payouts | 100% |
Payout Methods
FundingPips supports multiple payout options:
| Method | Speed | Fees |
|---|---|---|
| Mastercard/Visa | Instant | Low |
| Cryptocurrency | 24 hours | Network fees |
| Rise (Riseworks) | 24-48 hours | Minimal |
Instant Card Payouts
The new Mastercard/Visa option is a game-changer. Instead of waiting for crypto or bank transfers, you can receive profits directly on your debit card within minutes of approval. This is currently unique to FundingPips.
Scaling Plan
FundingPips offers a generous scaling plan:
| Milestone | Account Increase | Max Capital |
|---|---|---|
| After 4 payouts | 25% increase | - |
| After 8 payouts | Additional 25% | - |
| Maximum | - | $2,000,000 |
Trading Platforms and Conditions
Supported Platforms
After the 2024 MetaQuotes ban, FundingPips transitioned to:
| Platform | Status | Features |
|---|---|---|
| Match-Trader | Primary | Web, mobile, desktop |
| cTrader | Available | Advanced charting |
| Trade Locker | Available | Alternative option |
| MT5 | Available | Selected accounts |
Trading Conditions
| Asset | Leverage | Spread Type |
|---|---|---|
| Forex Major | 1:100 | Variable (tight) |
| Forex Minor | 1:50 | Variable |
| Indices | 1:50 | Variable |
| Commodities | 1:50 | Variable |
| Crypto | 1:10 | Variable |
Execution Quality
Based on trader feedback:
- ✅ Fast execution during normal hours
- ✅ Minimal slippage on major pairs
- ⚠️ Spreads can widen during high-impact news
- ⚠️ Match-Trader mobile app still maturing
The Hot Seat Elite Program
The Hot Seat is FundingPips' elite trader tier, unlocked after 16 successful payouts:
Hot Seat Benefits
| Benefit | Description |
|---|---|
| 100% Profit Split | Keep all your profits |
| On-Demand Withdrawals | No waiting for Tuesday |
| Increased Drawdown | More breathing room |
| Monthly Bonuses | Performance-based rewards |
| Priority Support | VIP assistance |
| Community Recognition | Featured trader status |
How to Reach Hot Seat
- Pass a challenge or purchase Zero account
- Complete 16 successful payouts
- Maintain consistent, profitable trading
- Automatic promotion to Hot Seat
Real Trader Experiences
We analyzed reviews from Trustpilot, social media, and trading communities:
Positive Feedback
"Got my first payout in 5 days after passing. The card payout is instant. This is the future of prop trading." — Trustpilot (5-star)
"Survived the MT5 shutdown while other firms collapsed. That's when I knew they were legit." — Discord
"Khaled is always on Discord answering questions. Never seen a CEO this transparent." — Reddit
Constructive Criticism
"Match-Trader mobile app needs work. The web version is better." — Trustpilot (4-star)
"Spreads widened a lot during NFP. Cost me the trade." — Forum
"Support was slow during the migration period, but improved since." — Trustpilot (3-star)
Review Distribution
| Rating | Percentage | Common Themes |
|---|---|---|
| 5 Stars | 60% | Fast payouts, good support, low prices |
| 4 Stars | 20% | Platform learning curve, minor issues |
| 3 Stars | 10% | Spread complaints, technical issues |
| 2 Stars | 5% | Account issues, denial disputes |
| 1 Star | 5% | Various complaints |
Overall Trustpilot Score: 4.5/5 ⭐
Pros
- Industry-lowest pricing starting at $32
- Weekly payouts every Tuesday ('Tuesday Pay Day')
- Instant Mastercard/Visa payouts - first in industry
- $145M+ paid to traders (verified track record)
- No time limits on evaluations
- 1-minute trade rule removed (scalping fully allowed)
- Copy trading between personal accounts allowed
- News trading allowed (May 2025 update)
- No lot size cap on 1-Step challenges
- Scales up to $2 million capital
- Hot Seat program with 100% profit split
- CEO transparency (active on Discord)
- Survived MetaQuotes ban (proven resilience)
Cons
- Not available for US traders (new accounts restricted)
- Match-Trader platform still maturing
- Spreads can widen during high-impact news
- Past broker disruptions (BlackBull, MetaQuotes)
- Some 'Equity on Balance' breach complaints
- Mobile app experience not as polished as web
FundingPips vs Competitors
How does FundingPips stack up against the competition?
| Feature | FundingPips | FTMO | The 5%ers | Goat Funded |
|---|---|---|---|---|
| Founded | 2022 | 2015 | 2016 | 2023 |
| Starting Price | $32 | $155 | $95 | $48 |
| Profit Split | 80-100% | 80-90% | 80-100% | 80-95% |
| Max Capital | $2M | $400K | $4M | $200K |
| Payout Speed | Weekly | Bi-weekly | Weekly | 5-7 days |
| Card Payouts | ✅ Yes | ❌ No | ❌ No | ❌ No |
| US Traders | ❌ No | ✅ Yes | ✅ Yes | ✅ Yes |
| Trustpilot | 4.5/5 | 4.7/5 | 4.8/5 | 4.3/5 |
Is FundingPips Right for You?
You Should Choose FundingPips If:
- ✅ You want the lowest possible challenge fees
- ✅ You need weekly payouts for cash flow
- ✅ You want instant card payouts (game-changer)
- ✅ You're a scalper or high-frequency trader
- ✅ You value CEO transparency and community
- ✅ You're not based in the United States
You Should Consider Alternatives If:
- ❌ You're a US-based trader (look at FTMO or The 5%ers)
- ❌ You need MT4/MT5 exclusively
- ❌ You trade primarily during high-impact news
- ❌ You prefer established platforms over newer ones
Pro Tip
If you're new to FundingPips, start with the cheapest 2-Step challenge ($25 for $5K) to test the platform and payout process before committing more capital.
Final Verdict
Rating: 4.6/5 ⭐
FundingPips has evolved from a budget disruptor to a genuine industry leader. The combination of ultra-low pricing, weekly payouts, instant card payments, and proven resilience (surviving the 2024 MetaQuotes ban) makes them one of the best choices for forex traders in 2026.
The $145 million+ in verified payouts demonstrates that this isn't just marketing—FundingPips delivers. Their continuous innovation (removing the 1-minute rule, adding news trading, introducing card payouts) shows a firm that listens to its community.
The main limitation is the restriction on US traders. If you're based in the US, look at FTMO, The 5%ers, or Topstep instead.
For everyone else, FundingPips offers exceptional value and one of the fastest paths from challenge to consistent weekly income.
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