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Quick heads-up: This article is based on my real experience with Fundingpips and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check Fundingpips website or their help center.

FundingPips From Challenge to Master: Next Steps Timeline (2026)

Meta Description: Complete FundingPips timeline from buying a challenge to your first funded trade. Every step mapped out: evaluation phases, KYC, Master account setup, and first payout.

The path from buying a FundingPips challenge to actually trading a funded Master account has more steps than most traders expect. It's not "pass evaluation → start trading." There's KYC verification, account setup, platform credentials, payout frequency selection, and a set of funded-stage rules that didn't apply during your evaluation.

I've been through this process multiple times across different FundingPips account types. The first time was clunky—I didn't know what to expect at each stage, wasted time on avoidable delays, and nearly missed optimal trading conditions because I was waiting on account activation. Now I have it down to a system.

Quick heads-up: This article is based on my real experience with FundingPips and the info available when I published/updated this. Processes change. For the absolute latest, check FundingPips' website or their support team.

Here's the complete timeline from purchase to payout, with realistic timeframes and what to do at each stage.

Stage 1: Purchasing Your Challenge (Day 0)

What Happens

You visit FundingPips, choose your account type (2-Step Standard, 2-Step Pro, 1-Step, or Zero), select your account size ($5K-$100K), pick your platform (MT5, cTrader, or Match-Trader), and pay the evaluation fee.

Timeline

Account creation and payment processing: instant to 2 business days. Credit card and crypto payments process almost immediately. Bank transfers can take 1-2 business days.

Credential delivery: FundingPips sends your evaluation account login details via email and displays them in your dashboard. This typically happens within a few hours of payment confirmation, though some traders report it taking up to 2 business days during peak periods.

What to Do

While waiting for credentials, prepare your trading environment. Download and set up your chosen platform. If you picked MT5, install it and configure your chart templates, indicators, and workspace layout. If cTrader, create your cTrader ID. If Match-Trader, just bookmark the web interface.

Also, prepare your KYC documents now. Scan your passport or ID, download a fresh bank statement. You'll need these after passing, and having them ready saves days.

Pro Tip

Don't start trading the moment you receive credentials. Take 30 minutes to verify the account balance, confirm the drawdown limits in your dashboard, check the profit target, and make sure your platform connection is stable. Place one small test trade to confirm execution is working. Then start your actual strategy the next session.

Stage 2: The Evaluation Phase (Days 1-30+)

What Happens

You trade the evaluation account according to the rules of your chosen program. The goal: hit the profit target without breaching drawdown limits, while meeting the minimum trading days requirement.

Timeline by Account Type

2-Step Standard:

• Phase 1 (Student): Hit 8% profit target. Minimum 3 trading days. No maximum time.
• Phase 2 (Practitioner): Hit 5% profit target. Minimum 3 trading days. No maximum time.
• Realistic total: 2-6 weeks for consistent traders targeting $400-$600/day on a $50K account.

2-Step Pro:

• Phase 1: Hit 6% profit target. Minimum 1 trading day.
• Phase 2: Hit 6% profit target. Minimum 1 trading day.
• Realistic total: 1-4 weeks (tighter drawdown makes it harder despite lower targets).

1-Step:

• Single phase: Hit 10% profit target. Minimum 3 trading days.
• Realistic total: 1-3 weeks for traders who can hit 10% before 6% drawdown.

Zero (Instant Funding):

• No evaluation. Skip to Stage 3 (KYC + Master Account).

What to Do

Focus entirely on passing. Don't think about funded-stage rules yet—they don't apply during evaluation. Trade your strategy with appropriate position sizing.

Keep a trading journal from day one. Not just for passing this evaluation, but because you'll want this data when you transition to the funded account—it helps you calibrate daily targets and risk limits for the funded stage.

Phase Transition (2-Step Only)

After passing Phase 1, FundingPips automatically moves you to Phase 2. You'll receive new credentials for the Phase 2 account. This transition typically happens within 24 hours of passing Phase 1.

Important: your Phase 1 profits don't carry over to Phase 2. Phase 2 starts fresh at the original account balance with the same drawdown limits. Don't be discouraged—Phase 2's lower profit target (5% vs. 8% on Standard) makes it significantly easier.

Stage 3: Post-Evaluation — KYC and Account Transition (1-5 Days)

What Happens

You've hit the profit target and met minimum trading days. Your dashboard updates to show "Passed" status. Now comes the administrative transition:

1. KYC Verification Request: FundingPips prompts you to complete identity verification.
2. Document Submission: You upload your proof of identity and proof of address.
3. Verification Review: FundingPips team reviews your documents.
4. Contract/Agreement: You may need to digitally sign a funded account agreement.
5. Master Account Creation: Upon approval, your funded trading credentials are generated.

Timeline

KYC submission: If you prepared documents in advance (as recommended), this takes 5 minutes.

KYC processing: 24-72 hours depending on document quality and submission timing. Weekday submissions during business hours process faster.

Master account credential delivery: Same day to 24 hours after KYC approval. Credentials arrive via email and appear in your dashboard.

Total Stage 3 timeline: Best case 1-2 days. Average 2-4 days. Worst case 5-7 days (if KYC gets rejected and requires resubmission).

What to Do

Submit KYC immediately after passing. Don't wait until tomorrow. Every hour of delay is an hour without a funded account.

While waiting for KYC approval, do your homework on funded-stage rules. The rules change significantly after passing:

• News trading gets restricted (5-min window on 1-Step/2-Step, 10-min on Zero)
• Consistency rules may apply depending on your payout choice
• The 3% single-trade profit cap kicks in
• Lot size limits apply based on account size
• The 1% floating loss limit may apply on certain accounts

Read the FundingPips rules guide cover to cover. The evaluation rules and funded rules are different documents. Don't assume what worked during evaluation will work on the Master account.

Choosing Your Payout Frequency

During or after the KYC process (depending on FundingPips' current flow), you'll choose your payout option:

• Tuesday Payday: 60% split, weekly payouts, no consistency rule
• Bi-Weekly: 80% split, every 2 weeks, no consistency rule
• On-Demand: 90% split, anytime, 35% consistency rule applies
• Monthly: 100% split, every 30 days

My recommendation for new funded traders: start with Bi-Weekly (80%). It's the best balance of payout frequency and profit split without adding the consistency rule complication. You can always change your payout option later once you're comfortable with the funded-stage dynamics.

Stage 4: First Funded Trading Session (The Day It Gets Real)

What Happens

Your Master account credentials are live. You log into your platform, see the starting balance, and you're ready to trade. Same balance as your evaluation starting size, but with funded-stage rules now active.

Timeline

First login to first trade: immediate. Once credentials are active, you can trade during the next available market session.

What to Do

Don't jump in with your evaluation-sized positions. This is the most common mistake at this stage. The evaluation allowed more aggressive trading because there were no consistency rules, no news restrictions, and no 3% trade caps.

My approach for the first funded week:

Day 1-2: Trade at 50-70% of your evaluation position size. Take one or two setups maximum. Get comfortable with the platform, confirm execution is identical, and verify that your drawdown dashboard is tracking correctly. Target $200-$400 on a $50K account.

Day 3-5: Gradually return to normal position sizing if the first two days went well. Still be selective—quality over quantity.

After Week 1: Full strategy execution with funded-stage adjustments (slightly smaller size, faster profit-taking, news calendar awareness).

The transition from evaluation to funded trading is psychological as much as mechanical. The money is "real" now in the sense that your P&L translates directly to payouts. That awareness changes your decision-making. Ease into it.

Stage 5: Building Toward Your First Payout (1-4 Weeks)

What Happens

You're trading the Master account, generating P&L, and building toward your first withdrawal. The timeline to first payout depends on your chosen frequency and any initial buffer requirements.

Timeline by Payout Option

Tuesday Payday (60%): You can potentially request a payout on the first Tuesday after your account is activated. If activated on Monday, you could withdraw the very next day—though you need to have generated at least 1% of account balance in profits (including FundingPips' share).

Bi-Weekly (80%): First payout available 14 days after your first trade.

On-Demand (90%): Available once you meet the 35% consistency score and have generated sufficient profit. Timeline varies.

Monthly (100%): Available 30 calendar days after your first trade.

Minimum Withdrawal

The minimum withdrawal amount is 1% of your initial account balance (including FundingPips' share). On a $50K account, that means minimum $500 before the split—so you need at least $500 in gross profits.

At $300-$500/day, you'll reach the minimum in 1-2 trading days. The payout frequency timer is more likely to be the bottleneck, not the minimum amount.

What to Do

Focus on consistency over size. Three $400 days are more valuable than one $1,200 day followed by two flat days—especially if you're on a payout option with consistency rules.

Track your daily P&L relative to your total cycle profits. If your best day is creeping above 30% of total, trade smaller the next session to dilute the concentration.

Stage 6: Your First Payout (The Moment of Truth)

What Happens

You request a payout through your FundingPips dashboard on a Tuesday. FundingPips processes the withdrawal and sends funds to your chosen payment method.

Timeline

Payout request: Submit on Tuesday through the dashboard.

Processing: 1-3 business days from the Tuesday request. Most payouts complete within 48 hours based on Trustpilot reviews and trader reports.

Payment methods: Bank transfer, Visa/Mastercard, cryptocurrency, and Riseworks. Crypto tends to be fastest (often same-day). Bank transfers can take 2-3 business days depending on your bank.

Withdrawal fee: $10 per transaction.

What to Do

After receiving your first payout, resist the temptation to celebrate by increasing your position size or taking unnecessary risks. Your first payout confirms the process works. Now replicate it. And again. And again.

The 4th successful payout triggers your evaluation fee refund (on 1-Step and 2-Step Standard accounts). That's your milestone—once you've been refunded, your total cost for getting funded is effectively zero.

The Complete Timeline: Summary

<div style="width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;"><table style="border-collapse:collapse;width:100%;min-width:600px;border:1px solid #e5e5e5;border-radius:8px;"><thead style="background:#f9f9f9;"><tr><th style="border:1px solid #e5e5e5;padding:10px;text-align:left;">Stage</th><th style="border:1px solid #e5e5e5;padding:10px;text-align:left;">Duration</th><th style="border:1px solid #e5e5e5;padding:10px;text-align:left;">Cumulative</th></tr></thead><tbody><tr><td style="border:1px solid #e5e5e5;padding:10px;">Purchase + Credentials</td><td style="border:1px solid #e5e5e5;padding:10px;">0-2 days</td><td style="border:1px solid #e5e5e5;padding:10px;">Day 0-2</td></tr><tr><td style="border:1px solid #e5e5e5;padding:10px;">Evaluation (2-Step Standard)</td><td style="border:1px solid #e5e5e5;padding:10px;">2-6 weeks</td><td style="border:1px solid #e5e5e5;padding:10px;">Week 1-6</td></tr><tr><td style="border:1px solid #e5e5e5;padding:10px;">KYC + Master Account Setup</td><td style="border:1px solid #e5e5e5;padding:10px;">1-5 days</td><td style="border:1px solid #e5e5e5;padding:10px;">Week 2-7</td></tr><tr><td style="border:1px solid #e5e5e5;padding:10px;">First Funded Trading Week</td><td style="border:1px solid #e5e5e5;padding:10px;">5 days</td><td style="border:1px solid #e5e5e5;padding:10px;">Week 3-8</td></tr><tr><td style="border:1px solid #e5e5e5;padding:10px;">First Payout (Bi-Weekly)</td><td style="border:1px solid #e5e5e5;padding:10px;">14 days + processing</td><td style="border:1px solid #e5e5e5;padding:10px;">Week 5-10</td></tr><tr><td style="border:1px solid #e5e5e5;padding:10px;">Fee Refund (4th Payout)</td><td style="border:1px solid #e5e5e5;padding:10px;">~8 weeks from first payout</td><td style="border:1px solid #e5e5e5;padding:10px;">Week 13-18</td></tr></tbody></table></div>

Best case total (purchase to first payout): ~4 weeks (fast evaluation + quick KYC + Tuesday Payday).

Average case: 6-10 weeks.

Conservative case: 12-16 weeks (slower evaluation + KYC delays + bi-weekly payout).

The key takeaway: FundingPips isn't a get-rich-quick path. From purchase to consistent funded income is a multi-month journey. But with the right strategy and preparation at each stage, it's a clear and repeatable path.

Frequently Asked Questions

How long does it take to go from purchase to funded?

Fastest realistic path: 2 weeks (pass 2-Step in 6 days + KYC in 2 days + activation). Average: 4-8 weeks. It depends entirely on how quickly you hit profit targets.

Do my evaluation profits carry over to the Master account?

No. Your Master account starts at the original evaluation balance ($50K, $100K, etc.), regardless of how much profit you made during evaluation.

Can I change my platform between evaluation and funded?

Contact FundingPips support. Platform changes between phases or from evaluation to funded may be possible but aren't guaranteed. Choose your platform carefully at purchase.

What if I pass Phase 1 but fail Phase 2?

You'll need to purchase a new challenge and start over from Phase 1. Phase 1 progress doesn't carry over to a new purchase.

Is there a time limit between passing and completing KYC?

FundingPips expects you to complete KYC promptly. While there's no strict public deadline, delaying weeks could result in the passed status expiring. Submit KYC within 24 hours of passing.

Can I start trading my funded account before KYC is complete?

No. The Master account isn't activated until KYC verification is approved. No KYC = no funded trading.

Mistakes That Slow Down the Transition

I've made most of these mistakes. Sharing them so you don't:

Mistake 1: Celebrating Instead of Submitting KYC

You pass the challenge. You post on Discord. You text your trading buddies. You take the rest of the day off. Meanwhile, your KYC documents are sitting in a folder on your desktop, unsubmitted. That's 12-24 hours wasted before the verification clock even starts.

Fix: Submit KYC within 10 minutes of seeing "Passed." Celebrate after clicking submit.

Mistake 2: Not Having Documents Ready

You passed but your passport is at your parent's house, and your most recent bank statement is 4 months old. Now you're scrambling for documents while the funded account sits in limbo.

Fix: Prepare everything before purchasing the evaluation. Have a current passport scan and a bank statement less than 30 days old saved on your computer.

Mistake 3: Starting Funded Trading Without Reading the New Rules

You get Master credentials and immediately start trading with your evaluation-sized positions. First trade, you close during an NFP news window. Profit stripped. You didn't know the news rule changed.

Fix: Spend 30 minutes reading the funded account terms and the rules guide before your first funded trade. The funded rules are different from evaluation rules—know them before touching the platform.

Mistake 4: Choosing the Wrong Payout Frequency

You pick the Monthly option (100% split) because the number looks best. But 30 days is a long time to go without withdrawing, and you end up taking bigger risks trying to build a "worth it" payout amount. Three weeks in, you breach.

Fix: Start with Bi-Weekly (80%). Smaller, more frequent withdrawals reduce psychological pressure and get money in your pocket faster. The 20% you lose vs. monthly is worth the reduced stress and risk.

Mistake 5: Not Adjusting Position Size for Funded Stage

Your evaluation approach worked great: 2 lots on EUR/USD, holding through pullbacks, targeting $600/day. You carry the same approach into the funded account. But now the consistency rule monitors your daily P&L distribution, the news restriction limits when you can trade, and the lot size limits cap your exposure. Your exact same strategy that passed the evaluation produces different results under different rules.

Fix: Reduce position size by 20-30% for the first 1-2 funded weeks. Adapt your targets to account for the funded-stage restrictions. Gradually increase back to normal sizing once you're comfortable.

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