FundingPips Prop Firm Challenge Explained (2025) – Complete Beginners Guide & Review
Discover everything about FundingPips challenges in 2025. Learn account types, rules, payouts, and reviews. Plus, grab an 80% prop trading evaluation discount with Apex Trader Funding!

Introduction

Prop trading has exploded in popularity, and FundingPips has quickly risen in the rankings as one of the most talked-about firms in 2025. For beginners wondering how FundingPips works, what their rules are, and whether it’s worth taking their challenge—this guide breaks it all down.

In this complete beginner’s guide, traders will learn about:

  • The different FundingPips challenge types (Zero, One Step, Two Step, and Pro)
  • Account sizes and payout policies
  • Trading conditions and restrictions
  • Reviews and payout data from real traders
  • How FundingPips compares with other best prop trading firms for beginners

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What is FundingPips?

FundingPips is a CFD prop firm that allows traders to access funded accounts after passing an evaluation. Traders can choose between platforms like CTrader, Match Trader, and MT5 while trading forex, metals, indices, energies, and crypto.

Account Sizes Available:

  • $5,000
  • $10,000
  • $25,000
  • $50,000
  • $100,000

This range makes it flexible for both beginners and more experienced traders.

FundingPips Payout Policies

FundingPips offers different payout structures depending on the program type:

  • FundingPips Zero (Instant Account): Bi-weekly, 95% profit split
  • One Step Challenge: 80% weekly, paid every Tuesday
  • Two Step Challenge:
    • 60% weekly
    • 80% bi-weekly
    • 100% monthly (on request)

This flexibility allows traders to choose the plan that fits their trading style and withdrawal preference.

Challenge Types Explained

FundingPips offers multiple challenge options:

  1. FundingPips Zero (Instant Funding): No evaluation, but tighter restrictions and no weekend/news trading.
  2. One Step Challenge: Pass in just one phase with an 80% weekly payout.
  3. Two Step Challenge (Normal):
    • Phase 1: 10% profit target
    • Phase 2: 5% profit target
    • Risk: 5% daily / 10% max loss
  4. Two Step Pro Challenge:
    • 6% profit target in both phases
    • Risk: 3% daily / 6% max loss
    • Cheaper entry fee but stricter risk limits

👉 The Pro Challenge is ideal for traders who want lower profit targets, but must handle tighter drawdown rules.

Key Rules Every Trader Must Know

FundingPips enforces several strict rules to protect capital:

  • 3% Rule: No single trade can risk more than 3% of account balance.
  • Trade Splitting: Multiple trades on the same pair count as one position.
  • Copy Trading: Allowed only between your own accounts.
  • News Trading:
    • Allowed during evaluation.
    • Funded accounts cannot profit from trades opened within 5 hours of high-impact news.
  • Weekend Trading: Allowed in One Step & Two Step; not allowed in Zero.
  • Capital Allocation Limit: Max $300K across accounts.
  • EAs & Bots: Only allowed if they function as risk managers.
  • Inactivity Rule: Must trade at least once every 30 days.
  • Minimum Trading Days: At least 7 profitable days per 30-day cycle.
  • Forbidden Strategies: Latency arbitrage, hedging, opposite account trading, gap trading, server abuse, etc.

Trader Reviews & Feedback

According to Prop for Match, FundingPips scores:

  • Training Conditions: 4.2 / 5
  • Customer Care: 4.3 / 5
  • User Friendliness: 4.6 / 5
  • Payout Process: 4.4 / 5

What traders are saying:

  • One trader praised the clear rules, low spreads, and fast payouts.
  • Another noted payouts take 14 days for 80% profit share, suggesting a faster cycle would make FundingPips even more competitive.

Payout Data (2025)

  • Total Paid Out: ~$6 million
  • Number of Payouts: ~5,000
  • Largest Payout: ~$30,000
  • Average Payout: ~$1,000
  • Average Payout Time: ~1 day

This shows FundingPips has been reliable in paying its traders.

How FundingPips Compares to Other Firms

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Conclusion

FundingPips is a solid choice for traders in 2025, offering flexible challenges, strong payout policies, and positive user reviews. However, the rules are strict, and traders must manage risk carefully—especially under the Pro Challenge with its tight drawdowns.

For traders looking for prop trading evaluation discounts or cheap futures prop firm evaluations, it’s worth comparing FundingPips with other top firms like Apex Trader Funding, which currently offers an unbeatable 80% lifetime discount.

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