Quick Answer — FundingPips Account Types
- • 4 active challenges as of April 2026: 1 Step, 2 Step, 2 Step Pro, FundingPips Zero.
- • 1 Step = fastest (3-day min, 10% target, 6% max loss).
- • 2 Step = safest drawdown (10% max loss per phase, most forgiving).
- • 2 Step Pro = tighter rules + daily payouts (6% target/max loss, 1-day min).
- • Zero = instant-funded Master (no evaluation, 95% split, 15% consistency rule).
Funded trader, real payouts: I passed the FundingPips evaluation and have been trading a funded account for 14 months. 5 successful payouts so far, $6,800+ withdrawn cumulative. What you're reading comes from running an actual funded account — not reviewing marketing pages.
If you want to understand which FundingPips challenge type fits your trading style, read my complete FundingPips account overview. For the full picture, read my complete FundingPips review. For the absolute latest, check FundingPips' website or their help center.
FundingPips operates four active challenge types as of April 2026 — the 1 Step, 2 Step, 2 Step Pro, and FundingPips Zero. Each leads to a funded Master account with tiered profit splits and shares the same 4-level Hot Seat scaling plan that reaches $2M capital for elite traders. The four challenges serve meaningfully different trader profiles: speed-focused (1 Step), safety-focused (2 Step), skill-tested (2 Step Pro), and evaluation-skipping (Zero).
I've been trading FundingPips since February 2025 — 14 months of active trading, 5 successful payouts, $6,800+ withdrawn cumulative. I've run accounts across multiple challenge types to understand the structural trade-offs. This pillar walks through every account, the rule differences, payout structures, and a decision framework for picking the right one for your edge.
The headline: pick by your P&L distribution pattern, not by price. Traders with fast, clean edge lean 1 Step. Traders with variable daily P&L lean 2 Step. Traders with tested tight-sizing edge who want daily payouts lean 2 Step Pro. Traders with proven balanced P&L who want to skip evaluation lean Zero. This article is the full pillar — individual account deep-dives link out from each section. For the complete firm assessment see the FundingPips main review.
The 4 FundingPips challenge types at a glance
As of April 2026:
| Challenge | Phases | Profit Target | Max Loss | Daily Loss | Min Days | Consistency | Master Split |
|---|---|---|---|---|---|---|---|
| 1 Step | 1 | 10% | 6% | 3% | 3 | 35% (On Demand only) | 60/80/90/100% tiered |
| 2 Step | 2 | 8-10% / 5% | 10% per phase | 5% | 3 per phase | 35% (On Demand only) | 60/80/90/100% tiered |
| 2 Step Pro | 2 | 6% per phase | 6% per phase | 3% | 1 per phase | 35% (Daily rewards only, evaluation) | 80% Weekly or Daily |
| Zero | 0 (instant Master) | None | 5% trailing | 3% + -1% floating PnL | — | 15% at every payout | 95% bi-weekly |
Quick decision framework
- You want fastest eval path + proven edge → 1 Step
- You want safest evaluation with max drawdown room → 2 Step
- You have tight-sizing discipline + want daily payouts → 2 Step Pro
- You have proven balanced P&L + want to skip evaluation → FundingPips Zero
FundingPips 1 Step Challenge
Single-phase evaluation. Pay once, pass once, move to Master. 10% profit target in the Student Phase, 6% max loss limit, 3% daily loss limit, minimum 3 trading days. The fastest eval-based path to funded capital in the FundingPips lineup.
Master phase: 60% Weekly / 80% Bi-Weekly / 90% On Demand (with 35% consistency rule) / 100% Monthly — tiered profit splits. Consistency rule only triggers on On Demand withdrawals. Risk per trade: 3% (<50K accounts), 2% (50K+).
Strongest fit: Traders with proven fast edge who can hit 10% cleanly in 3-5 days inside a 6% drawdown. Traders who use the 100% Monthly reward cycle get the highest effective split outside Hot Seat.
Weakest fit: Traders still refining their approach — the 6% max loss is tight and the single-phase structure leaves no Phase 2 cushion. Take the 2 Step route instead.
Deep dive: FundingPips 1 Step Challenge guide.
FundingPips 2 Step Challenge
Two-phase evaluation. Phase 1 (Student) at 8% or 10% target (your choice at purchase). Phase 2 (Practitioner) at 5% target. 10% max loss and 5% daily loss per phase. 3-minimum-day each phase (6 total). The structurally safest FundingPips evaluation.
Option One (8% Phase 1) vs Option Two (10% Phase 1) is purely a pricing/target trade-off — pick Option Two if you want a cheaper entry with a harder Phase 1, Option One if you want standard pricing with an easier 8% Phase 1. All other rules identical.
Master phase: Same tiered 60/80/90/100% splits as 1 Step. Same consistency rule behavior (On Demand only). Master-phase drawdown stays at 10% max loss and 5% DLL — no loosening post-evaluation.
Strongest fit: Traders with natural P&L variance who need maximum drawdown room. Traders who've hit daily loss limits at tighter prop firms. Traders calibrating position sizing who benefit from Phase 2's easier 5% target as a confirmation step.
Weakest fit: Traders with proven fast edge who want the 1 Step's speed. The 6-minimum-day requirement is 2× the 1 Step's 3.
Deep dive: FundingPips 2 Step Challenge guide.
FundingPips 2 Step Pro Challenge
Tighter-rule variant of the 2 Step, targeted at skilled traders. Both phases at 6% profit target. 6% max loss per phase. 3% daily loss limit. Minimum 1 trading day per phase (fastest in the lineup).
Master phase: Fixed 80% profit split. Weekly cycle (no consistency rule) OR Daily cycle (35% consistency rule applies to evaluation phases). Dynamic leverage on metals, indices, and energies — positions auto-tighten from 1:50 to 1:5 based on size.
Strongest fit: Skilled traders with proven tight-sizing edge who pass quickly and want daily payout frequency. Traders who benefit from the dynamic leverage protection on volatile instruments.
Weakest fit: Traders still refining position sizing — the 6%/3% envelope is unforgiving. Traders who want the standard tiered 60/80/90/100% Master payout structure — not available here.
Deep dive: FundingPips 2 Step Pro Challenge guide.
FundingPips Zero
Instant-funded Master account. No evaluation phase. No profit target. 5% trailing drawdown based on highest recorded equity. 3% daily loss limit. -1% floating PnL limit. 15% consistency rule at every payout. 95% profit split on bi-weekly rewards.
Unique requirements: Minimum 7 profitable days per 30-day window (each profitable day ≥0.25% of initial balance). At least 1 trade every 30 days to maintain account. News-trading prohibited. Weekend holding prohibited. 20-lot max per single trade.
Dynamic leverage on metals, indices, energies — same auto-adjustment as 2 Step Pro.
Strongest fit: Proven traders with balanced daily P&L distribution who want to skip evaluation entirely and capture the 95% split. Traders who don't trade news or hold weekends.
Weakest fit: Traders whose edge concentrates profits on 1-2 big days per week — the 15% consistency rule will hold payouts repeatedly. News traders. Weekend holders. Traders who take irregular breaks — the 7-profitable-days-per-30 requirement demands regular activity.
Deep dive: FundingPips Zero Challenge guide.
Master account structure (shared across all 4)
All 4 challenge types feed into Master accounts that share key structural features as of April 2026:
Profit split options (where offered):
- 60% Weekly — payout every 7 days, no consistency rule
- 80% Bi-Weekly — payout every 14 days, no consistency rule
- 90% On Demand — payout anytime with ≥2% balance withdrawal, 35% consistency rule applies
- 100% Monthly — payout every 30 days, no consistency rule
Risk per trade on Master:
- 3% of initial account size for accounts under $50K
- 2% of initial account size for accounts $50K and above
Consistency rule calculation: biggest single trading day's profit ÷ total profit at payout request = consistency ratio. Must stay at or below the account's consistency threshold (15% on Zero, 35% on standard Master On Demand).
Merge and multi-account rules: Multiple concurrent accounts allowed. Account merging possible within specific rules. Scaling plan calculations always based on original account size (not merged balance), preventing scaling abuse through merges.
For the full Master account mechanics see the FundingPips rules overview and the FundingPips profit split tiers guide.
Hot Seat scaling plan (shared across all 4)
As of April 2026, all FundingPips Master accounts participate in the same 4-level scaling plan:
| Level | Name | Requirements | Capital Boost | Drawdown Adjustment |
|---|---|---|---|---|
| 1 | Launchpad | 4 rewards + 10% profit | +20% | +1% max drawdown |
| 2 | Ascender | 8 rewards + 20% profit | +30% | +1% max DD, +1% daily limit |
| 3 | Trailblazer | 12 rewards + 30% profit | +40% | Max DD raised to 13% |
| 4 | Hot Seat (Elite) | 16 rewards + 40% profit | 2× initial | +1% max DD, +1% daily (total +4% max / +2% daily cumulative) |
Hot Seat benefits:
- Initial balance doubled
- 100% profit split (overrides all other split percentages)
- Up to $2 million total trading capital access
- Monthly bonus of $100-$500 based on account tier
- On-demand payouts
- Customized trading conditions
Critical: All scale-ups calculated from ORIGINAL account size. If an account is merged, scaling calculations still reference the initial (unmerged) size — preventing scaling acceleration through merges.
For the full scaling plan see the FundingPips scaling plan guide.
Account sizes (what's available)
As of April 2026, FundingPips accounts are available in standard tiers: $5K, $10K, $25K, $50K, $100K, $200K, and larger via Hot Seat scaling up to $2M. Pricing varies by challenge type and size — the help center doesn't publish pricing, so you need to open the purchase flow on the FundingPips dashboard to see current per-size fees.
Size selection matters for the 3%/2% risk-per-trade rule on Master — $50K is the boundary where the risk-per-trade rule tightens from 3% to 2%. Traders who want larger single-position risk per trade should pick accounts under $50K; traders comfortable with smaller risk per trade can scale up.
For detailed account size guidance see the FundingPips account sizes guide.
KYC and setup
All 4 FundingPips challenges require KYC verification before first payout. Standard documents: government-issued ID (passport or national ID card), proof of address, selfie verification.
Process typically takes 24-48 hours on first submission. Occasional document rejections occur (usually photo clarity issues) — second submission typically clears within 24 hours.
Setup flow: purchase challenge on dashboard → receive login credentials → connect your chosen platform (MT5 / MatchTrader / cTrader) → start trading. First trade counts as Day 1 of evaluation timing. For KYC details and troubleshooting see the FundingPips main review.
Best FundingPips account by trader profile
Concise recommendations:
- First-time prop trader, unsure of edge consistency → 2 Step (structural safety)
- Proven edge, want to skip evaluation → Zero (instant-funded)
- Proven edge, want single-phase eval speed → 1 Step
- Skilled trader who wants daily payouts → 2 Step Pro
- Swing trader, infrequent sessions → avoid Zero (7 profitable days/month requirement); pick 1 Step or 2 Step
- News trader → 1 Step or 2 Step (Zero prohibits news)
- Weekend holder → 1 Step or 2 Step (Zero prohibits weekend holding)
- Budget-conscious, want cheapest entry → $5K or $10K on 1 Step or 2 Step (check current pricing)
For the full trader-type matching see the best FundingPips account guide.
The bottom line
FundingPips offers the broadest challenge variety in the forex/CFD prop firm market as of April 2026 — four distinct challenge types covering speed, safety, skill-tested, and instant-funded profiles, all feeding into a shared 4-level Hot Seat scaling plan that reaches $2M capital for elite traders. Pick the 1 Step for fastest evaluation speed, the 2 Step for safest drawdown room, the 2 Step Pro for tighter rules + daily payouts, or Zero for instant Master access. Master payouts run 60% Weekly / 80% Bi-Weekly / 90% On Demand / 100% Monthly on standard challenges, 80% on 2 Step Pro, 95% on Zero, 100% at Hot Seat elite tier. For the complete firm assessment see the FundingPips main review. For individual account deep-dives see the 1 Step, 2 Step, 2 Step Pro, and Zero guides. For trader-type recommendations see the best FundingPips account guide.
Frequently Asked Questions
What are the FundingPips account types?
FundingPips operates 4 active challenge types as of April 2026: the 1 Step (single-phase evaluation with 10% profit target), the 2 Step (two-phase with 8-10%+5% targets), the 2 Step Pro (tighter 6% rules with daily payout option), and FundingPips Zero (instant Master access, no evaluation phase). Each leads to a funded Master account with tiered profit splits, and all share the 4-level Hot Seat scaling plan.
How many FundingPips challenge types are there?
Four active challenge types as of April 2026: 1 Step, 2 Step, 2 Step Pro, and Zero. FundingPips also runs a periodic (Giveaway) 1K Instant Account as a promotional product, but that's not a standard purchasable challenge. The four main challenges cover different trader profiles from fast-edge (1 Step) to safest-drawdown (2 Step) to instant-funded (Zero).
Which FundingPips account has the highest profit split?
FundingPips Hot Seat (the 4th-level scaling tier) offers 100% profit split — the highest available. Outside of Hot Seat, FundingPips Zero offers 95% bi-weekly on standard Master payouts. The standard 1 Step and 2 Step Masters offer up to 100% on the Monthly reward cycle but 60-90% on faster cycles. 2 Step Pro caps at 80% (Weekly or Daily).
Which FundingPips account is easiest to pass?
The 2 Step Challenge is the structurally easiest to pass because it offers 10% max loss per phase (the most forgiving in the lineup) and breaks the 10%+ cumulative target into two smaller phases (Phase 1 at 8-10%, Phase 2 at 5%). The 1 Step is harder despite being single-phase because the 6% max loss is tight. 2 Step Pro has tighter rules. Zero skips evaluation entirely but enforces a 15% consistency rule that's strictest in the lineup.
Which FundingPips account has the fastest payout?
FundingPips 2 Step Pro on the Daily reward cycle offers the fastest payouts — eligible every 24 hours once the 35% consistency rule is met. Zero pays bi-weekly (every 14 days) with 95% split. The standard 1 Step and 2 Step Masters pay Weekly (60%), Bi-Weekly (80%), On Demand (90%, with 2% min withdrawal), or Monthly (100%).
What is the cheapest FundingPips account?
The cheapest FundingPips account depends on challenge type and size. The $5K or $10K tiers on 1 Step or 2 Step are typically the lowest-priced. Pricing isn't published on the help center — you need to open the purchase flow to see current fees. Use code VIBES at checkout for the standard partner discount applied to any account type and size.
Can I have multiple FundingPips accounts?
Yes. FundingPips allows multiple concurrent active accounts. You can also merge accounts within specific rules — scaling plan calculations are always based on original (initial) account size, not merged totals, so merging doesn't artificially accelerate your path to Hot Seat.
What platforms do FundingPips accounts support?
All 4 FundingPips account types support the same 3 native trading platforms as of April 2026: MT5 (MetaTrader 5), MatchTrader, and cTrader. Platform choice happens at account setup and can be switched for free through the dashboard. MT5 has the Swap-Free add-on available for overnight forex and metals. No MT4, no TradeLocker, no DXtrade.
What's the difference between FundingPips Zero and the challenges?
FundingPips Zero is an instant-funded Master account — no Student Phase, no Practitioner Phase, no evaluation profit targets. You pay the fee and trade funded capital from day one. The trade-off is a tighter rule set: 15% consistency rule (strictest in the lineup), 5% trailing drawdown from highest equity, 3% daily loss limit, news-trading prohibited, weekend holding prohibited, 20-lot max per single trade. The three challenge types require evaluation phases but offer more flexible rules afterward.
How does FundingPips scaling work?
FundingPips uses a 4-level Hot Seat scaling plan shared across all account types. Level 1 (Launchpad) unlocks at 4 successful rewards + 10% cumulative profit for +20% capital. Level 2 (Ascender): 8 rewards + 20% profit for +30%. Level 3 (Trailblazer): 12 rewards + 30% profit for +40%. Level 4 (Hot Seat, Elite): 16 rewards + 40% profit for 2× initial balance, 100% profit split, up to $2M capital, and $100-500 monthly bonus. All scale-ups calculate from original account size.