FundingPips $100k Account Review: Rules, Price & Profit Potential

The FundingPips $100K account is the firm's largest standard offering—$100,000 in trading capital with the potential to scale to $2 million through the Hot Seat program. It's also the most expensive evaluation entry point, ranging from $369 (2-Step Pro) to $555 (1-Step).

The question isn't whether $100K is better than $50K in absolute terms—obviously more capital means more earning potential. The question is whether the extra investment is justified given your current skill level, the higher emotional pressure of trading a larger account, and the funded-stage rules that apply at this size.

Tested firsthand: I've traded multiple FundingPips accounts—passed evaluations on 2-Step Standard and Pro, dealt with the funded-stage rule switches, and withdrawn real money through Tuesday Payday. What you're reading comes from live funded trading, not from reading their marketing page.

For the complete breakdown of every FundingPips account type—including how 2-Step Standard, Pro, 1-Step, and Zero differ in drawdown rules, profit splits, and pricing, plus which account size actually makes sense for your trading style—read my full FundingPips accounts overview. It covers all five sizes from $5K to $100K with real cost analysis. For the absolute latest, check FundingPips' website or their FAQ section.

$100K Pricing Across All Models

Cost per dollar of drawdown room (a useful metric for comparing value):

The 2-Step Standard gives you the most drawdown room per dollar invested. The 1-Step and Zero are the least efficient by this metric.

Realistic Monthly Earnings at $100K

At the bi-weekly 80% split with a consistent 3% monthly return, you're earning $2,400/month from a single $100K account. That's $28,800/year—significant supplemental income from a $529 initial investment.

At any reasonable return rate, the fee pays for itself within the first payout cycle. After the 4th payout on Standard and 1-Step accounts, the original $529 is refunded—making the challenge effectively free.

Position Sizing at $100K

My recommendation: 0.5–0.75% risk per trade on evaluation, 0.5% on funded. On a $100K account, 0.5% risk ($500) per trade allows you to absorb 10 consecutive losers before reaching the $5,000 daily loss limit on a Standard account. That's substantial room for a bad day.

$100K vs Two $50K Accounts

This is the most common decision traders face at this capital level:

My preference: Two $50K accounts. The risk diversification—keeping one account alive if the other breaches—is worth the $49 extra and the slight management overhead. A single bad week on one $100K account wipes everything. The same bad week on one of two $50K accounts only affects half your capital.

The Psychology of Trading $100K

Trading a $100K account feels different from a $50K account, even though the percentage rules are identical. The dollar amounts are larger, and larger dollar amounts trigger stronger emotional responses.

A 1% loss on $50K is $500. Uncomfortable but manageable. You've lost that much buying things you barely remember.

A 1% loss on $100K is $1,000. That's rent. That's a month of groceries. The same percentage loss feels twice as painful because the dollar amount connects to real-world spending.

This psychological amplification causes many traders who were disciplined at $50K to become hesitant or erratic at $100K. The solution: set your platform to display P&L in percentages rather than dollars during the evaluation. Focus on the percentage, not the dollar amount.

When the $100K Makes Sense

You've already passed and traded a $50K account successfully. You've proven your strategy works in the FundingPips environment and you're confident scaling up won't change your approach.

You trade a single strategy on 1–2 instruments. The 40-lot limit and management simplicity of one account favor focused traders.

You want maximum scaling potential. The $100K is the starting point for scaling to $200K and eventually $2M through the Hot Seat program.

When to Stay at $50K

This is your first FundingPips challenge. The $529 fee on a $100K account hurts more than the $289 on a $50K. Learn the platform and rules at the lower level first.

You're not consistently profitable yet. If your win rate is below 55% or your risk management isn't disciplined, the $100K account amplifies losses faster.

You prefer risk diversification. Two $50K accounts with independent drawdowns is a safer allocation than one $100K account with pooled risk.

Frequently Asked Questions

How long does the $100K evaluation typically take?

Same timeline as the $50K—the percentage targets are identical (8%/5% on Standard). Most traders pass in 3–6 weeks. The dollar amounts are larger ($8,000 Phase 1 target), but with proportionally larger position sizes, the trading experience is similar.

Does the $100K account have different spreads or execution?

No. Spreads, execution, commissions, and instruments are identical across all account sizes.

Can I merge two $50K accounts into one $100K?

FundingPips has offered account merging functionality. Check current availability through your dashboard or support. Merging combines capital but scaling remains based on original account sizes.

Funded-Stage Rules at $100K

The funded (Master) account introduces rules that don't exist during evaluation. Understanding these before purchasing is critical:

Max open lots: 40. This sounds generous until you run the numbers. At 5 lots per position, you can hold 8 simultaneous positions. At 10 lots per position, only 4. Most traders use 2–5 lots per position on a $100K account, but if you're running correlated positions (long EUR/USD, long GBP/USD, long AUD/USD), you can approach the cap faster than expected.

3% single-trade profit cap ($3,000). No individual trade can produce more than $3,000 in profit on the funded account. This affects high-conviction traders who occasionally hit large runners. The workaround: split a single large position into multiple smaller entries. Two $2,000 winners are fine while one $4,000 winner would be capped.

News restriction (5-minute window). Opening or closing positions within 5 minutes before or after high-impact events will have their profits stripped on the funded account. This doesn't apply during evaluation—a significant rule difference that catches unprepared traders.

Consistency rule. Applies only if you choose the On-Demand payout option (90% split, 35% rule). Tuesday Payday (60%), Bi-Weekly (80%), and Monthly (100%) options have no consistency requirement on the Standard model.

Breaking Down the Evaluation at $100K

Phase 1 target: $8,000 (8%). At $300–$500/day (a reasonable pace), Phase 1 takes 16–27 trading days—roughly 3–5 weeks. This is the same pace as a $50K account targeting $200–$300/day; you've simply doubled your position sizes proportionally.

Phase 2 target: $5,000 (5%). At $200–$400/day, Phase 2 takes 12–25 trading days. The 5% target on a fresh $100K balance means you need to reach $105,000.

The key: don't try to accelerate by oversizing. The 10% drawdown ($10,000) gives you room to trade patiently. A $50K trader who takes 3 weeks per phase should take approximately the same time at $100K—just with proportionally larger positions.

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