FundingPips rules are set per program, not firm-wide. The firm runs five models: FundingPips Zero, 1-Step Flex, 2-Step Standard, 2-Step Pro and 2-Step Flex. Profit targets, daily and maximum loss limits, minimum trading days, news windows, weekend holding and payout conditions all depend on the model and, for some programs, on the daily loss or payout option chosen. Account sizes run up to $200K per account, and FundingPips has announced a maximum allocation of $400K across evaluations and Master (funded) accounts.
The 30-day inactivity limit and the ban on VPN and VPS connections apply to every account.
FundingPips Rules by Program
The two-step programs, with the sizes and figures listed on our FundingPips review:
| Program | Account sizes listed | Phase 1 target | Phase 2 target | Daily loss | Max loss | Min trading days | Profit split |
|---|---|---|---|---|---|---|---|
| 2-Step Standard | $100K | 8% | 5% | 3% / 5% | 10% static | 3 days | Up to 100% |
| 2-Step Flex | $5K, $10K, $25K, $50K, $100K | 10% | 8% | 4% | 12% static | 1 day | Up to 95% |
| 2-Step Pro | $100K | 6% | 6% | 3% | 6% static | 0 days | Up to 100% |
1-Step Flex is a single-phase evaluation. Traders choose a 2% or 3% daily loss limit, and there is no minimum number of trading days.
FundingPips Zero runs on a trailing drawdown, a -1% maximum open risk rule and a profitable-days requirement, all covered below.
Profit Targets and Minimum Trading Days
Among the two-step programs, 2-Step Pro has the lowest Phase 1 target (6%) and the lowest combined target (12%), paired with the tightest maximum loss (6%). 2-Step Standard has the lowest Phase 2 target (5%). 2-Step Flex sets the highest targets and the widest maximum loss (12%).
Minimum trading days were cut back when FundingPips revised its main models:
- 2-Step Pro: reduced from 2 days to zero.
- 2-Step Standard: a 3% daily loss with zero trading days, or a 5% daily loss with three trading days. Our table lists these as “3% / 5%” and 3 days.
- 1-Step Flex: zero minimum days with either daily loss option.
- 2-Step Flex: 1 day, listed with the 80% split option.
On funded accounts, required profitable days (days with at least a set percentage gain) depend on the payout option, covered under payouts below.
Daily Loss and Maximum Loss Rules
On the three 2-Step programs, the maximum loss is listed as static: a fixed floor set from the initial account size that does not trail as the account grows.
As a labeled calculation, assume a $10K 2-Step Flex account with both limits measured on equity against the $10,000 starting balance. The 12% maximum loss sets the floor at $8,800, however much profit was made beforehand, and the 4% daily loss allows a $400 drop in one day.
FundingPips Zero works differently in two ways:
- Trailing drawdown with a lock. The drawdown trails the account until it reaches 5% profit. It then locks at the initial balance and does not reset after a payout.
- Maximum open risk of -1%. The combined floating loss across all open losing positions must not reach -1% of the starting account size, and profitable open trades do not offset losing ones. On a hypothetical $10K Zero account, losing positions floating at -$400, -$350 and -$250 total -$1,000, a hard breach even if another position is $2,000 in profit.
FundingPips has also removed three rules from 1-Step Flex and the 2-Step programs, on both evaluation and Master accounts: the risk-per-trade-idea limit, the striking system and the profit concentration rule. One notice says the changes apply to new purchases only, though the firm also describes removing some restrictions retroactively, so older accounts may carry earlier terms.
Trading Restrictions
News Trading
- Zero: holding or opening trades from 10 minutes before to 10 minutes after high-impact news events and speeches on the affected currency is prohibited. A violation is a hard breach.
- 1-Step Flex and 2-Step programs: executing orders from 5 minutes before to 5 minutes after high-impact news and speeches on affected instruments is prohibited, and profits made inside that window are voided. Trades opened more than 5 hours before the release still count if they close inside the window.
Weekend Holding
On Zero, every position must be fully closed before market close on Friday. Any position left open into the weekend, on any instrument, ends the account immediately.
On Master accounts of the other programs, overnight and weekend holding is not allowed unless the Swing add-on was bought at checkout. Without it, open positions are closed automatically during a daily 15-minute window: 20:45 to 21:00 UTC in summer time and 21:45 to 22:00 UTC in winter time. A system close is not a breach, but that day does not count as a valid trading day. Profits from those trades still add to the balance, and the resulting biggest winning and losing days feed into the consistency score.
Leverage and Lot Size Limits
Our review lists leverage of up to 1:2000, but the firm’s per-asset listing is far lower: forex 1:100 on 1-Step and 2-Step accounts (1:50 on the Instant model), metals, indices and energies 1:50 (1:10 on Instant), and crypto 1:2 throughout.
On assessment-based Master accounts, FundingPips applies a temporary dynamic leverage schedule to metals, indices and energies:
- 0.00 to 0.05 lots: 1:50
- 0.05 to 0.10 lots: 1:30
- 0.10 to 0.15 lots: 1:25
- 0.15 to 0.25 lots: 1:20
- 0.25 to 0.50 lots: 1:10
- 0.50 lots and above: 1:5
Crypto trades are capped at 1 lot per click, subject to available margin. All other instruments carry a platform-wide limit of 20 lots per click.
Expert Advisors, Copy Trading and VPNs
Expert advisors
- Full automation is allowed only with a personal EA the trader developed.
- Ownership must be proven with evidence such as source code, version history or development records. A compiled file alone is not accepted.
- Third-party EAs may be used only as trade or risk managers. Any other use leads to denial of the evaluation or reward and account closure.
Copy trading
- Copying between your own FundingPips accounts, registered to the same individual, is allowed.
- For external copying, a FundingPips account may act only as the master to an external slave account.
- Prohibited: copying between accounts owned by different people, coordinated trading across accounts of different owners, and inbound copying from outside sources or signal providers.
- Third-party account management results in immediate termination.
VPNs and IP
- VPN and VPS connections are prohibited on any trading account.
- The IP region used to purchase, log in and trade must stay consistent. A change of region can flag the account.
Prohibited Strategies
The following strategies are banned, and a violation results in account termination:
- gap trading
- high-frequency trading
- server spamming
- latency arbitrage
- hedging
- long-short arbitrage
- reverse arbitrage
- exploiting server execution
- toxic trading flow
- tick scalping
- churning and burning
- opposite account trading
Consistency Rule
FundingPips uses a consistency score:
biggest winning day ÷ total profit
It is a soft rule: a score above the limit blocks a reward request without closing the account, so later trading can bring the ratio back under the limit.
The limit depends on the program:
- Zero: 15%. The biggest winning day must not exceed 15% of total cumulative profit.
- 1-Step Flex and the 2-Step programs: 35% on funded accounts, listed with the on-demand payout option (one summary also attaches it to monthly payouts).
As a labeled example, suppose total profit is $2,000 and the best day made $600. The score is 30%, which passes a 35% limit but fails the 15% Zero limit. If no later day beats $600, total profit must reach $4,000 to bring the score down to 15%.
Zero adds two further reward conditions:
- 3% safety cushion: the first 3% of profit on the Master account cannot be withdrawn.
- Loss versus win: the largest single losing trade must not exceed the largest single winning trade.
Inactivity Rule
On all programs, at least one trade must be opened and closed within any 30 consecutive days.
Payout Rules and Profit Split
FundingPips reports that 90% of rewards are processed in seconds; a processing time of 1 to 3 working days is also listed. Payout methods are card, crypto, bank transfer and Rise. The minimum reward is 1% of the initial balance, with a $500 minimum for bank transfer and Rise.
On funded accounts, the split depends on the payout option chosen:
- 1-Step Flex: bi-weekly at 80% with no profitable-days requirement, or on-demand at 100%.
- 2-Step Standard: weekly at 60% or bi-weekly at 80% with no profitable-days requirement, or on-demand at 100% (one listing gives 90%).
- 2-Step Pro: 80% on a schedule listed both as weekly and as bi-weekly, with no profitable-days requirement, or on-demand at 100%.
- 2-Step Flex: bi-weekly at 80% with no profitable days required; bi-weekly at 95% with 3 profitable days of at least 0.5% each, in evaluation and funded stages; or on-demand on funded accounts at 100% per the firm’s summary (our table shows up to 95%).
On-demand conditions (all four programs): the 35% consistency rule plus 7 profitable days of at least 0.5% each.
Zero: 7 profitable days of at least 0.25% each, due by the end of each 30-day period, which resets at its end or after a payout is processed. The updated Zero documentation instead describes a 14-day reward cycle with a 95% profit split.
Restricted Countries
Our review lists these restrictions: countries on the FATF lists or on EU or UN sanctions lists, plus Vietnam and the UAE.
How to Avoid a Rule Breach
- Know which rules end the account. On Zero, the news window, holding past Friday’s close and the -1% open risk limit are breaches. On the other programs, a news-window trade loses its profit and a high consistency score delays a payout.
- Check margin before sizing up on metals, indices and energies on Master accounts, where leverage drops above 0.05 lots.
- Without the Swing add-on, close positions before the daily window so a system close does not cost the trading day.
- Spread profits across days so one large day does not hold up a withdrawal.
- Trade from one region without a VPN, and automate only with an EA you can prove you built.
