FundingPips 2-Step vs 2-Step Pro: Complete Challenge Comparison 2026

FundingPips offers two versions of its two-phase evaluation: the Standard and the Pro. Same structure—two phases, pass both to get funded. But the rules, pricing, and difficulty are dramatically different.

The Pro costs 30–50% less. The Standard gives you 67% more drawdown and 67% higher daily loss limits. The question is whether the savings justify the constraints.

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FundingPips accounts—passed evaluations on 2-Step Standard and Pro, dealt with the funded-stage rule switches, and withdrawn real money through Tuesday Payday.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.

Full Comparison Table

Pricing Comparison

The Pro saves you $90 on a $50K account. But the Standard refunds the $289 after your 4th payout, making it effectively free. The Pro never refunds the $199. Over time, the Standard is actually cheaper if you succeed.

Difficulty Analysis

The Standard is meaningfully easier in every mathematical dimension. The Pro's lower targets (6%/6% vs 8%/5%) don't compensate for the dramatically tighter constraints.

Phase 2 is where the gap widens most. Standard Phase 2: 5% target with 10% drawdown (0.5:1 ratio). Pro Phase 2: 6% target with 6% drawdown (1.0:1 ratio). Standard Phase 2 is literally twice as easy by this metric.

Position Sizing Impact

On a $50K account, the drawdown and leverage differences create vastly different trading environments:

The Pro's 1:50 leverage means each position ties up twice as much margin. On concentrated positions (3–5 lots), this becomes a practical constraint—you may not have margin for additional positions even though your drawdown technically allows them.

Multi-Attempt Cost Analysis

Many traders need 2–3 attempts before passing:

If you're likely to need multiple attempts, the Pro's lower fee reduces cumulative risk. But each additional attempt on the Pro faces that same tight 6% drawdown—the reason you failed the first time. Switching to Standard for your second attempt might be more effective than repeating the Pro.

The Bottom Line‍

The $90 Question

Is $90 in savings worth 40% less drawdown room, 40% tighter daily loss limits, half the leverage, and no fee refund?

For most traders: no.

The $90 saved on the Pro is one losing trade on a $50K account. One additional trade that the Standard's wider daily limit would allow—but the Pro's wouldn't—could be worth $200–$500 in recovered losses or captured profits.

Think of it this way: the $90 premium for the Standard buys you $2,000 more drawdown room and $1,000 more daily loss room. That's $3,000 in additional safety margin for $90. No other investment in prop trading offers that kind of return.

Who Should Choose the Pro

Budget-limited traders. If $289 is a significant expense and $199 fits your budget better, the Pro gives you access to FundingPips at a lower price point.

Traders testing the FundingPips platform. If you want to experience FundingPips' execution and interface without committing $289, a $5K Pro at $29 is the cheapest possible test.

Who Should Choose the Standard

Everyone else. The 10% drawdown and 5% daily loss create an environment where most disciplined traders can succeed. The Pro's constraints are unnecessarily punishing for the modest savings.

Anyone planning to trade funded long-term. The fee refund after 4 payouts makes the Standard cheaper than the Pro over any reasonable time horizon.

Frequently Asked Questions

Can I upgrade from Pro to Standard mid-evaluation?

No. Account type is fixed at purchase. To switch, you'd need to purchase a new Standard evaluation.

Do the funded-stage rules differ between Standard and Pro?

Both transition to a Master account after passing, but the Standard offers more payout frequency choices. The funded-stage payout options and flexibility may differ between models.

If I fail the Pro, should I try again with Pro or switch to Standard?

Switch to Standard. If you failed the Pro's tight parameters, the Standard's wider margins give you the best chance of succeeding. The $90 extra is insurance against another failed attempt.

Is the Pro good for beginners?

No. The Pro's tight constraints punish learning mistakes harshly. Beginners should use the Standard (or start with a $5K–$10K Standard) where the drawdown room allows for the inevitable early errors.

Trading Environment Differences

Beyond the numbers, the Standard and Pro create different daily experiences:

Standard morning: You check the economic calendar, note any high-impact events (only relevant on funded stage), and enter your first trade with 1% risk ($500 on $50K). If it stops out, you have 4 more attempts before hitting the daily loss limit. This breathing room lets you recover from one bad entry without the day being over.

Pro morning: Same calendar check, but your first trade can only risk 0.5% safely ($250 on $50K) because a 1% risk followed by two more losers breaches the 3% daily limit. Your position sizes are inherently smaller, your stops tighter, and your setup quality threshold higher. One bad hour and you're done for the day.

The Standard doesn't just give you more room—it gives you more flexibility in how you trade. Wider stops, larger positions, more attempts per day. The Pro forces a specific style: small positions, tight stops, high win rate. If that's your style already, great. If it's not, you're fighting the account's rules instead of the market.

Funded Stage: Where It Really Matters

The evaluation rules are only half the picture. After passing, your funded (Master) account inherits characteristics from your chosen model. The Standard's funded stage offers 4 payout frequency choices (60–100% split), giving you flexibility to optimize your payout structure based on your actual trading performance. The Pro's funded stage may offer more limited payout flexibility.

The fee refund difference becomes permanent after funding: Standard traders get their $289 back after 4 payouts, making the evaluation effectively free. Pro traders absorb the $199 permanently. Over 12 months of funded trading, the Standard is definitively cheaper.

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