P
Loading
FundingPips vs The 5%ers
The Ultimate Head-to-Head Showdown
At a Glance
4.8 / 5.0
Trader Satisfaction
4.8 / 5.0
100%
Profit Split
100%
$0.3M
Max Allocation
$4.0M
$32
Challenge Fee (Starting)
$235
Key Differences
1
Entry Cost: FundingPips starts at $29 — 86% cheaper than The 5%ers's $19.
2
Drawdown Buffer: FundingPips offers a more generous 10% max drawdown vs The 5%ers's 6%.
3
Evaluation Path: FundingPips uses a 1-Step, 2-Step, 3-Step, Instant evaluation model, while The 5%ers offers a Instant path. Instant funding skips the challenge entirely — ideal for experienced traders.
4
Daily Loss Limit: FundingPips allows a 5% daily loss vs The 5%ers's 0% — more room for volatile trading sessions.
5
Trading Platforms: FundingPips uniquely offers TradeLocker. The 5%ers uniquely offers DXtrade.
6
Maximum Capital: The 5%ers scales up to $4,000,000, 13x more than FundingPips's $300,000.
Deep Dive: Rules & Policies
News Trading: The 5%ers allows news trading freely, while FundingPips restricts it around high-impact events. If you rely on economic calendar volatility (NFP, CPI, FOMC), The 5%ers gives you more flexibility.
Algorithmic Trading (EAs): The 5%ers allows EAs, making it the better choice for algo traders. FundingPips has tighter restrictions: Trade managers only. No 3rd party black-box EAs.. Make sure your trading bot complies before purchasing.
Commission Structure: FundingPips charges FX: $5/lot. Crypto: 0.04%. Indices: None.. The 5%ers charges FX: $4/lot. Metals, Energy, Crypto: 0.0001%. Indices: None.. Lower commissions compound into significant savings over hundreds of trades — especially for high-frequency scalpers.
Consistency Rule: FundingPips enforces a consistency rule: 35% score for On-Demand. 15% for Zero accounts.. This means your single best trading day cannot dominate your total profit — preventing 'lucky gambler' passes. The 5%ers has no consistency rule, giving aggressive traders more freedom.
Forex Leverage: The 5%ers offers 1:100 (Instant) FX leverage — significantly higher than FundingPips's 1:100. Higher leverage amplifies both profits and losses. Aggressive scalpers benefit from higher leverage, while conservative swing traders may prefer the forced risk management of lower leverage.
Payout Processing: FundingPips processes payouts in 24–48 hours via Riseworks, Crypto, Visa Direct, or Mastercard, while The 5%ers takes 24–48 hours via Riseworks, Crypto, or Bank Transfer. Faster payouts mean quicker access to your hard-earned profits — an important factor for full-time traders who depend on this income.
Scaling Potential: FundingPips scales up to $300,000 (scales up to $2,000,000 in Hot Seat) (requiring 10%–20% cumulative profit milestones across Hot Seat scaling tiers profit per tier), while The 5%ers caps at $4,000,000 (requiring 10% profit target on High Stakes & Hyper Growth (7.5%–10% per milestone) per tier). If your long-term goal is managing large capital, the firm with the higher ceiling offers more growth runway.
Inactivity Policy: FundingPips: 1 trade every 30 days mandatory.. The 5%ers: 30 days.. Be mindful of these policies — an inactive account can be terminated, and you would forfeit your challenge fee and any unrealized progress.
Active Discount Codes: FundingPips: Use code "" for a discount. The 5%ers: Use code "CIRCLE" for 10% off. These codes can significantly reduce your upfront investment — always check for active promotions before purchasing.
Who Should Choose Which?
Budget-Conscious Traders
→ FundingPips
Starting at just $29, FundingPips offers the lowest barrier to entry — ideal if you want to test the waters without risking a large upfront fee.
Visit FundingPipsSafety-First Traders
→ The 5%ers
With a 4.8/5 TrustPilot rating and 1,892 verified reviews, The 5%ers offers the strongest track record and payout reliability.
Visit The 5%ersAlgorithmic Traders
→ The 5%ers
The 5%ers has more permissive EA/bot policies, making it the better fit if you run automated trading systems.
Visit The 5%ersCapital Scaling Traders
→ The 5%ers
The 5%ers scales up to $4,000,000 — giving you the highest possible ceiling for growing your funded capital over time.
Visit The 5%ersThe Final Verdict
Our expert conclusion based on the data
When choosing between FundingPips and The 5%ers in 2026, the decision comes down to what matters most to you as a trader. The 5%ers holds a TrustPilot rating of 4.8/5 across 1,892 reviews, while FundingPips sits at 4.8/5 with 3,120 reviews. Both firms are legitimate and pay traders, but they serve fundamentally different trader profiles.
On pricing, FundingPips offers a significantly lower barrier to entry at $29 compared to The 5%ers's $19 — that's roughly 86% cheaper. However, cheaper doesn't always mean better value. You need to weigh this against the profit split, drawdown rules, and payout reliability.
Both firms use a balance-based (static) drawdown — FundingPips at 10% and The 5%ers at 6%. FundingPips gives you more buffer to absorb losses before breaching.
Our Recommendation: If your priority is trust and track record, go with The 5%ers. If your priority is affordability, FundingPips is the better entry point. Both firms offer a competitive Up to 100%% profit split.
Frequently Asked Questions
Is FundingPips better than The 5%ers in 2026?+
It depends on your priorities. The 5%ers has a stronger reputation with a 4.8/5 TrustPilot score. However, FundingPips is more affordable at $29. For most traders, The 5%ers is the safer choice, but FundingPips offers better value for those on a tight budget.
Which is cheaper, FundingPips or The 5%ers?+
FundingPips is the more affordable option, with challenges starting at $29 compared to The 5%ers's $19.
What is the profit split at FundingPips vs The 5%ers?+
FundingPips offers up to Up to 100%% profit split, while The 5%ers offers up to Up to 100%%. Both firms offer a competitive, identical profit split.
How many evaluation steps does FundingPips require vs The 5%ers?+
FundingPips uses a 1-Step, 2-Step, 3-Step, Instant evaluation model, while The 5%ers uses a Instant model. The 5%ers's instant funding means you skip the challenge entirely.
Can I use Expert Advisors (EAs) with FundingPips and The 5%ers?+
FundingPips: Trade managers only. No 3rd party black-box EAs.. The 5%ers: Allowed (with Stop Loss). No tick scalping or latency arbitrage.. Always verify your specific EA is compliant before purchasing a challenge.
What trading platforms do FundingPips and The 5%ers support?+
FundingPips supports cTrader, Match-Trader, MT5, TradeLocker. The 5%ers supports MT5, cTrader, Match-Trader, DXtrade. Both offer professional-grade execution suitable for serious traders.
Which firm has better payout speeds, FundingPips or The 5%ers?+
Both firms process payouts reliably. FundingPips pays via Bank Transfer, Crypto, Mastercard, Riseworks, Visa Direct. The 5%ers pays via Bank Transfer, Crypto, Riseworks. Check each firm's payout schedule for the most up-to-date processing times.