FundingPips 1-Step Challenge Explained: Rules, Risks & the No-BS Breakdown

What the FundingPips 1-Step Challenge Actually Is

The FundingPips 1-Step Challenge is their simplest evaluation model: one phase, one target, one shot. You hit 10% profit, complete at least 3 trading days, respect the risk rules — and you get moved to a Master Account. No Phase 2, no drawn-out ladder. But “simple” doesn’t mean easy.

The 1-Step is tight. It uses the same aggressive daily loss logic (equity/balance based), a 6% max loss, and a Master-Account-only risk rule that caps your per-trade loss at 3%.
If you’re sloppy, you’re out. If your strategy has clean structure, it’s one of the more passable single-phase evals on the FX/CFD side.

How the 1-Step Evaluation Phase Works (10% Target, 3 Days, Zero Flex)

The “Student Phase” tests exactly one thing: whether you can grow your account without blowing yourself up.

Here’s the entire requirement stack:

• Profit Target: +10%
• Minimum Trading Days: 3
• No Time Limit: you can take as long as you need
• Risk Rules Active: Daily Loss 3% / Max Loss 6%
• News Trading: Allowed in evaluation
• Weekend Holds: Allowed in evaluation

If your account size is under $100k, your Master Account gets issued immediately after passing.
If it’s $100k+, FP manually reviews your account before granting the Master.

The 1-Step is passable — but only if you’re not running high-volatility, deep-retracement strategies.

Hard-Breach Rules (The Real Failure Points)

FundingPips is strict here. Violating a hard rule = instant account closure, no second chances.

1. Maximum Loss Limit — 6% Total Loss

Equity or balance (whichever is higher) cannot drop below –6%.

Example for a 100k account:
Fall below $94,000 → breached.

2. Daily Loss Limit — 3% Based on the Higher Number

This is the rule that kills traders who don’t understand equity-based risk.

• If Equity > Balance → DD uses Equity
• If Balance > Equity → DD uses Balance

Examples:

• Balance $105k / Equity $107k → can’t drop below $103,790
• Balance $100k / Equity $99k → can’t drop below $97,000

Daily reset happens at 00:00 GMT+2.

3. 3% Rule (Master Account Only) — No Single-Trade Meltdowns

Once you pass the 1-Step and reach the Master Account:

• Any single trade (including split entries) cannot lose more than 3%
• Re-entering the same direction within 5 minutes = same trade idea
• Combined loss of the entire idea must stay ≤ 3%

This rule doesn’t apply during evaluation — but it matters for payout longevity.

4. Inactivity — 30 Days = Breach

No completed trades for 30 consecutive days → account breached.

This applies to both evals and Master accounts.

Soft-Breach Rules (Profit Removal, Not Account Closure)

Soft breaches don’t close the account — they punish you with restrictions or profit invalidation.

News & Weekend Rules (Evaluation vs Master)

Evaluation Phase:

• News? Allowed.
• Weekend holds? Allowed.
• No profit restrictions.

Master Account:

• News trading allowed only for On-Demand payouts.
• For all other payout cycles:
  • No opening or closing trades within 5 minutes before/after high-impact news.
  • No closing trades in the 10-minute window (profits invalid).
  • Speeches follow the same 5-minute rule at start/end.
  • Exception: trades opened ≥ 5 hours before news can close in the restricted window.

If you partial-close a trade → the entire order is flagged.

This is a structure test, not a volatility test.

Reward Structure After Passing (4 Payout Models — All Different)

FundingPips has the most complex payout system in the FX/CFD prop space.
1-Step traders need to pick a model that matches their style.

1. On-Demand Rewards (90% Split)

• Request anytime
• Must meet 35% consistency score
• Minimum payout: 2% of initial balance
• News trading allowed

This is best for active day traders who like flexibility.

2. Tuesday Payday (60% Split)

• Request every Tuesday
• Depending on when your Master starts, you may need 0–4 trading days before your first Tuesday request
• Lower split, but predictable

3. Bi-Weekly Rewards (80% Split)

• Request every 14 days
• No consistency score required
• Cleaner for swing and semi-active traders

4. Monthly Rewards (100% Split)

• Request every 30 days
• Full split, but longest wait time

Universal Requirements

Regardless of payout cycle:

• Minimum reward amount: 1% of initial balance
• Transfers subject to exchange/fees
• Biggest loss cannot exceed biggest win (Master)

1-Step vs Zero vs Two-Step — The Reality (Not the Marketing)

This table gives traders the actual decision-making data.

Is the 1-Step Challenge Worth It in 2025?

If you want a single-phase evaluation with predictable rules and no time pressure, yes — 1-Step is one of FundingPips’ cleaner models.

Pros:

• Simple target
• No consistency score during evaluation
• Immediate Master Account for sub-100k sizes
• News/weekend freedom in evaluation
• Flexible payout cycles after passing

Cons:

• Daily loss is equity-based (harsh)
• Max loss 6% is tight
• Master account has the strict 3% per-trade rule
• Payout system can be overwhelming if you don’t read carefully

Bottom line:
The 1-Step is passable — but only for traders who manage risk like a professional.
If you chase volatility or oversized days, the Daily Loss and Max Loss rules will catch you.

CTA: Ready to Try the 1-Step Challenge With Full Rule Awareness?

If you want to start the FundingPips 1-Step Challenge, do it with a clear understanding of the rules — not the marketing headline.

👉 Start FundingPips 1-Step Challenge

And before you buy anything, read the full deep-dive:

👉 My Full FundingPips Review (Payout Rules & Risks)