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FTMO vs FundingPips
The Ultimate Head-to-Head Showdown
⚡ Quick Comparison Verdict
When choosing between FTMO and FundingPips in 2026, the decision comes down to what matters most to you as a trader. FundingPips holds a TrustPilot rating of 4.8/5 across 3,120 reviews, while FTMO sits at 4.8/5 with 51,151 reviews. Both firms are legitimate and pay traders, but they serve fundamentally different trader profiles.
FUTURES
FTMO
4.8
- Confiável desde 2015
- Aquisição da OANDA
- Instant, 1-Step & 2-Step
FundingPips
4.8
- Pagamentos Semanais
- Drawdown Baseado em Saldo
- Sem Limite de Tempo
FUTURES
At a Glance
4.8 / 5.0
Trader Satisfaction
4.8 / 5.0
90%
Profit Split
100%
$2.0M
Max Allocation
$0.3M
$89
Challenge Fee (Starting)
$32
Earnings Calculator
Monthly return (%)8%
FUTURES
Estimated Monthly Earnings
$6,400
Based on 100K account • 80% payout
Estimated Monthly Earnings
$6,400
Based on 100K account • 80% payout
Head-to-head Breakdown
FUTURES
FTMO
FundingPips
Challenge Fee
€540
$349Best
Account Size
100,000
100,000
Profit Split
80%
80%
Profit Target
10% | 5%
8% | 5%Best
Daily Loss
5%
5%
Max Loss
10%
10%
Drawdown Type
static
static
Payout Frequency
14 days from first trade
Bi-weekly
Fine-Print Verification Matrix
Hidden Rules & Contract Clauses
Comparing unadvertised contract terms, trailing mechanics, news buffers, and payout hurdles extracted from official Terms of Service.
Fine-Print Term
Core Trading Clauses
FUTURES
FTMO
15 Verified Rules
FundingPips
7 Verified Rules
News Trading Policy & Execution Buffers
Buffer windows before and after red-folder economic events, straddle restrictions, and execution slippage policies.
FUTURES
Allowed (Swing + Evaluation). Restricted 2m before/after high-impact (Standard Funded).
Restricted 5m before/after on Standard Funded. Allowed on Evaluation & On-Demand.
Weekend & Overnight Holding
Whether swing positions may be held across Friday market close, or if automated liquidations apply.
FUTURES
Allowed (Swing). Prohibited for Standard Funded accounts.
Allowed (except Zero).
Drawdown Trailing & Loss Mechanics
Static balance-based vs End-of-Day (EOD) vs high-risk intraday open-equity trailing traps.
FUTURES
10%.
10%.
Inactivity Rules & Account Expiry
Maximum allowable dormancy duration before account breach or administrative archiving.
FUTURES
30 days (or freeze account 7 days to 6 months).
1 trade every 30 days mandatory.
Consistency Clauses & Profit Caps
Single-day profit caps (e.g. 30%-50% rule), lot-size variation brackets, and contract ladders.
FUTURES
1-Step: Best day ≤50% of total profit. 2-Step: None.
35% score for On-Demand. 15% for Zero accounts.
Payout Hurdles & Safety Buffers
Minimum qualifying profitable days, profit floor requirements, and mandatory buffer reserves.
FUTURES
1–2 dias úteis (média de 8 horas após confirmação da fatura)
24–48 horas via Riseworks, Cripto, Visa Direct ou Mastercard
Verified Fine-Print Disclosures from Official Documentation
Exact contract stipulations, drawdown formulas, and account closure triggers.
FUTURES
FTMO Instant: Day-One Rewards & No Evaluation Phase
🔵 InformationalThe FTMO Instant Account bypasses Phase 1 and Phase 2 evaluation challenges entirely. Every trade closed within the risk parameters accumulates towards withdrawable rewards from Day 1 on a 90% reward ratio.
Source: FTMO Instant Account Terms
FTMO Instant: 30% Windfall / Consistency Rule
🟠 High RiskOn the Instant Account, your single highest profitable trading day cannot represent more than 30% of your total closed accumulated profit at the time of payout request. Exceeding 30% is not a rule breach, but payouts are withheld until subsequent trading days dilute the best day to 30% or less.
Source: FTMO Instant Account Specifications
FTMO Instant: Strict 3% Daily Loss Limit
🔴 Critical RuleWhile standard 2-step FTMO challenges allow a 5% daily loss, FTMO Instant enforces a tighter 3% maximum daily loss limit based on 00:00 CE(S)T start-of-day equity. Breaching this intraday equity threshold immediately terminates the account.
Source: FTMO Instant Account Specifications
News Trading Restriction (5-Minute Window)
🟠 High RiskTrading is restricted 5 minutes before and 5 minutes after scheduled high-impact news events. Violations result in profit deduction only (not account breach), but repeated violations may trigger review.
Source: FundingPips Official Rules (Feb 2026 Update)
Risk Per Trade Limits by Account Size
🟠 High RiskAccounts below $50K: maximum 3% per trade idea. Accounts $50K and above: maximum 2% per trade idea. Includes correlated positions counting as one trade idea.
Source: FundingPips Official Rules
On-Demand Payout Conditions
🟡 ConditionedOn-Demand payouts require minimum 3 profitable days and a minimum profit of 1.5% before requesting. Payout requests reset your profit counter for the next cycle.
Source: FundingPips Payout Policy
Looking for granular policy breakdowns? Explore the official rule dossiers:
Key Differences
1
Entry Cost: FundingPips starts at $29 — 64% cheaper than FTMO's €79.
2
Profit Split: FundingPips offers up to Up to 100%%, keeping more money in your pocket compared to FTMO's Até 90%%.
3
Drawdown Mechanics: FTMO uses static equity-based (10%) while FundingPips uses balance-based (static) (10%). Static/balance-based drawdowns are generally considered safer.
4
Evaluation Path: FTMO uses a 1-Step, 2-Step, Instant evaluation model, while FundingPips offers a 1-Step, 2-Step, 3-Step, Instant path. Fewer steps generally means faster access to funded capital.
5
Trading Platforms: FTMO uniquely offers DXtrade, MT4. FundingPips uniquely offers Match-Trader, TradeLocker.
6
Maximum Capital: FTMO scales up to $2,000,000, 7x more than FundingPips's $300,000.
Deep Dive: Rules & Policies
News Trading: FTMO fully allows news trading during evaluations, making it ideal for traders who capitalize on NFP, CPI, and FOMC volatility. FundingPips, however, restricts trading around high-impact news events — typically imposing a 2-minute buffer before and after announcements. If news trading is a core part of your strategy, FTMO is the clear winner here.
Algorithmic Trading (EAs): Both firms permit EAs with conditions. FTMO: Own EAs only. Third-party EAs strictly prohibited.. FundingPips: Trade managers only. No 3rd party black-box EAs.. Always verify that your specific EA complies with the firm's terms of service.
Commission Structure: FTMO charges FX: $5/lot. Metals: 0.0014%/vol. Indices/Energy: $0. Crypto: 0.065%/vol. Stocks: 0.004%/vol.. FundingPips charges FX: $5/lot. Crypto: 0.04%. Indices: None.. Lower commissions compound into significant savings over hundreds of trades — especially for high-frequency scalpers.
Consistency Rule: Both firms enforce consistency rules but with different thresholds. FTMO: 1-Step: Best day ≤50% of total profit. 2-Step: None.. FundingPips: 35% score for On-Demand. 15% for Zero accounts.. Understand these limits before you trade — exceeding them can invalidate your evaluation.
Tradable Instruments: FTMO uniquely offers Stocks trading. FundingPips uniquely offers trading. If you trade specific asset classes, make sure your firm supports them before purchasing.
Payout Processing: FTMO processes payouts in 1–2 dias úteis (média de 8 horas após confirmação da fatura), while FundingPips takes 24–48 horas via Riseworks, Cripto, Visa Direct ou Mastercard. Faster payouts mean quicker access to your hard-earned profits — an important factor for full-time traders who depend on this income.
Scaling Potential: FTMO scales up to $2,000,000 (requiring 10% de lucro líquido em 4 meses (ao menos 2 dos 4 meses lucrativos) profit per tier), while FundingPips caps at $300,000 (escala até $2,000,000 no Hot Seat) (requiring Metas de lucro acumulado de 10%–20% nos níveis de escala Hot Seat per tier). If your long-term goal is managing large capital, the firm with the higher ceiling offers more growth runway.
Inactivity Policy: FTMO: 30 days (or freeze account 7 days to 6 months).. FundingPips: 1 trade every 30 days mandatory.. 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: FTMO: Use code "CIRCLE" for Best Deals. FundingPips: Use code "" for a discount. 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
→ FundingPips
With a 4.8/5 TrustPilot rating and 3,120 verified reviews, FundingPips offers the strongest track record and payout reliability.
Visit FundingPipsHigh-Frequency Scalpers
→ FTMO
FTMO offers zero-commission trading on select instruments, saving scalpers significant costs over hundreds of daily trades.
Visit FTMOProfit Maximizers
→ FundingPips
FundingPips's Up to 100%% profit split means you keep more of every dollar you earn — the difference compounds significantly over time.
Visit FundingPipsCapital Scaling Traders
→ FTMO
FTMO scales up to $2,000,000 — giving you the highest possible ceiling for growing your funded capital over time.
Visit FTMOThe Final Verdict
Our expert conclusion based on the data
When choosing between FTMO and FundingPips in 2026, the decision comes down to what matters most to you as a trader. FundingPips holds a TrustPilot rating of 4.8/5 across 3,120 reviews, while FTMO sits at 4.8/5 with 51,151 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 FTMO's €79 — that's roughly 64% cheaper. However, cheaper doesn't always mean better value. You need to weigh this against the profit split, drawdown rules, and payout reliability.
A critical difference lies in their drawdown mechanics. FTMO uses a static equity-based drawdown at 10%, while FundingPips uses a balance-based (static) drawdown at 10%. FTMO's static drawdown means your loss limit is locked to your initial balance and never trails upward — this is mathematically safer and easier to manage, especially for swing traders who hold positions overnight.
Our Recommendation: If your priority is trust and track record, go with FundingPips. If your priority is affordability, FundingPips is the better entry point. For maximum earnings per trade, FundingPips wins with a Up to 100%% profit split.
Frequently Asked Questions
Is FTMO better than FundingPips in 2026?+
It depends on your priorities. FundingPips has a stronger reputation with a 4.8/5 TrustPilot score. However, FundingPips is more affordable at $29. For most traders, FundingPips is the safer choice, but FundingPips offers better value for those on a tight budget.
Which is cheaper, FTMO or FundingPips?+
FundingPips is the more affordable option, with challenges starting at $29 compared to FTMO's €79.
What is the profit split at FTMO vs FundingPips?+
FTMO offers up to Até 90%% profit split, while FundingPips offers up to Up to 100%%. FundingPips lets you keep more of your earnings.
What type of drawdown do FTMO and FundingPips use?+
FTMO uses a static equity-based drawdown (10%), while FundingPips uses a balance-based (static) drawdown (10%). Static and balance-based drawdowns are generally considered easier to manage than trailing drawdowns because they don't chase your equity high watermark.
How many evaluation steps does FTMO require vs FundingPips?+
FTMO uses a 1-Step, 2-Step, Instant evaluation model, while FundingPips uses a 1-Step, 2-Step, 3-Step, Instant model. Fewer steps generally means faster access to live funded capital.
Can I use Expert Advisors (EAs) with FTMO and FundingPips?+
FTMO: Own EAs only. Third-party EAs strictly prohibited.. FundingPips: Trade managers only. No 3rd party black-box EAs.. Always verify your specific EA is compliant before purchasing a challenge.
What trading platforms do FTMO and FundingPips support?+
FTMO supports cTrader, DXtrade, MT4, MT5. FundingPips supports cTrader, Match-Trader, MT5, TradeLocker. Both offer professional-grade execution suitable for serious traders.
Which firm has better payout speeds, FTMO or FundingPips?+
Both firms process payouts reliably. FTMO pays via Transferência Bancária, Cripto, Mastercard, Skrill, Visa Direct. FundingPips pays via Bank Transfer, Crypto, Mastercard, Riseworks, Visa Direct. Check each firm's payout schedule for the most up-to-date processing times.
Comprehensive Firm Dossiers
FTMO In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.
FundingPips In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.