FundingPips Payout Rules: Frequency, Splits & Real Trader Insights

Payouts are why you're here. Everything else—the evaluation, the rules, the platform choice—is just the path to getting money out of your FundingPips funded account and into your bank.

FundingPips gives you more payout flexibility than almost any other prop firm: four frequency options, profit splits from 60% to 100%, and a Tuesday processing cycle that's become an industry benchmark. But each option comes with tradeoffs—and the default choice most traders make isn't always the optimal one.

I've gone through the FundingPips payout cycle multiple times. This breakdown covers every option, every fee, every hidden constraint, and the strategy I use to maximize what I actually take home.

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FundingPips accounts—passed evaluations on 2-Step Standard and Pro, dealt with the funded-stage rule switches, and withdrawn real money through Tuesday Payday.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

The Four Payout Options

After passing your evaluation and receiving your Master (funded) account, you choose one of four payout frequencies. This choice determines your profit split and whether a consistency rule applies.

Tuesday Payday (60% Split)

Every Tuesday, you can request a withdrawal of 60% of your accumulated profits. FundingPips processes payouts on Tuesdays and delivers within 1–3 business days.

How the Tuesday cycle works based on your start day:

‍If your Master account activates on Monday, you can technically request a payout the very next day (Tuesday). This is the fastest possible payout in the prop firm industry.

Pros: Most frequent cash flow, no consistency rule, quick access to profits.Cons: 60% split means FundingPips keeps 40% of your profits—the highest retention of any option.

Best for: Traders who depend on prop firm income for living expenses and need weekly cash flow, or traders who want to extract profits immediately to reduce risk of losing them to drawdown.

Bi-Weekly (80% Split)

Payouts every two weeks at 80% profit split. No consistency rule.

Pros: Strong 80% split, no consistency constraints, reasonable frequency for income planning.Cons: Two-week wait between withdrawals, profits accumulate and are exposed to drawdown risk for longer.

Best for: Most traders. The 80% split captures a meaningful share of profits while maintaining enough frequency to manage risk. This is what I use and recommend.

On-Demand (90% Split)

Request a payout whenever you want—no fixed schedule. 90% split. But there's a catch: the 35% consistency rule.

The 35% consistency rule explained: Your most profitable single trading day cannot exceed 35% of your total profits at the time of payout request.

‍‍The On-Demand trap in practice: You have a great Monday and make $800. Tuesday through Friday you make $200 total. Your cycle profit is $1,000, but Monday is 80% of total—well above the 35% cap. You can't withdraw until you've earned enough to bring Monday below 35%, meaning your total needs to reach $2,286 ($800 / 0.35).

This creates a perverse incentive: you're punished for having good trading days. The rule actively discourages the kind of performance that makes you profitable.

Best for: Traders with extremely consistent daily P&L—same dollar amount every day, low variance. If your daily results are $200, $180, $220, $190, $210, the 35% rule never triggers. If your results are $50, $800, $100, $50, $200, it triggers constantly.

Monthly (100% Split)

One payout per month. You keep 100% of your profits. No consistency rule.

Pros: Maximum per-dollar return—every dollar of profit is yours.Cons: 30-day lockup period. If you have a bad month and breach before withdrawal, you lose all accumulated profits.

Best for: Patient traders with stable strategies who don't need frequent income, or traders building toward the scaling program where letting profits compound in the account accelerates tier progression.

Payout Processing: How the Money Actually Arrives

Available Methods

‍‍The $10 fee applies to every withdrawal regardless of method or amount. On a $500 payout, that's 2% overhead. On a $5,000 payout, it's 0.2%. Larger, less frequent payouts are more fee-efficient.

Minimum Withdrawal

You must earn at least 1% of your account balance (including the firm's share) to request a payout. On a $50K account, that means $500 in total profit ($500 × 80% = $400 for you on bi-weekly). On a $100K account, the minimum is $1,000 in total profit.

This prevents micro-withdrawals that would create excessive processing overhead. For most traders, the minimum is reached within the first 1–2 weeks of trading.

Payout Optimization Strategy

The Math Behind the Best Choice

Monthly take-home after applying profit split. Withdrawal fees not included.

The tradeoff is clear: higher splits mean more money per dollar earned, but longer periods between withdrawals mean more risk of losing profits to drawdown. The "optimal" choice depends on two variables:

1. Your drawdown usage. If your equity curve is smooth (small drawdowns, steady gains), Monthly at 100% maximizes income. If your equity curve is volatile (deep drawdowns, recovery periods), weekly at 60% protects profits from being given back.

2. Your income needs. If you depend on prop firm income for monthly expenses, Bi-Weekly at 80% provides reliable cash flow without excessive split sacrifice. If prop trading is supplemental income, Monthly at 100% compounds faster.

My Recommendation by Trader Profile

The Fee Refund Mechanism

On 2-Step Standard and 1-Step accounts, your original evaluation fee is refunded after your 4th successful payout. This is added to your 4th payout as a bonus.

‍2-Step Pro and Zero accounts do not receive fee refunds. This makes the Standard and 1-Step effectively free if you sustain funded trading through 4 payout cycles—a significant long-term cost advantage.

Profit Split Progression Through Scaling

As you advance through FundingPips' scaling program, your profit split and payout options improve:

The Hot Seat is the ultimate goal: 100% profit split with on-demand payouts, no consistency rule, doubled capital, and monthly performance bonuses. A $50K account becomes $100K at 100% split. A $100K becomes $200K. The path takes roughly 16 payout cycles of consistent performance (approximately 8 months on bi-weekly payouts).

Payout Taxes: What You Need to Know

FundingPips does not withhold taxes or issue tax forms (no 1099, no P60). You receive the gross payout amount (minus the $10 fee) and are responsible for reporting income according to your country's tax laws.

General guidance (not tax advice):

In most jurisdictions, prop firm payouts are classified as self-employment income or miscellaneous income. This means you're responsible for income tax, social contributions, and any applicable self-employment taxes.

Keep records of every payout: date, amount, method, transaction ID. Save FundingPips dashboard screenshots showing your payout history. If your annual prop firm income exceeds $5,000–$10,000, consult a tax professional familiar with trading income in your jurisdiction.

Common Payout Mistakes

Not understanding the consistency rule before choosing On-Demand. Many traders select On-Demand for the 90% split, then discover they can never actually withdraw because their best days always exceed 35% of total profits. If your trading has any variance at all, start with Bi-Weekly and switch to On-Demand only after confirming your daily P&L distribution would consistently satisfy the rule.

Letting profits accumulate too long. Monthly payouts at 100% maximize your per-dollar return—but also maximize the profits at risk if you breach. I've seen traders accumulate $8,000 in profits on a $50K account, then breach the drawdown in week 4 and lose everything. The $8,000 that would have been $6,400 at 80% bi-weekly is now $0.

Forgetting the $10 withdrawal fee on small payouts. On a $400 payout, the $10 fee is 2.5% overhead. If you're making small weekly withdrawals, consider switching to bi-weekly to reduce fee impact.

Not planning for the fee refund. If you're on a Standard or 1-Step account, your 4th payout includes the original evaluation fee. Plan your taxes and financial expectations to account for this one-time bonus.

Frequently Asked Questions About FundingPips Payout Rules

What is the FundingPips profit split?

FundingPips standard funded accounts use an 80/20 profit split that scales to higher percentages as the account hits performance milestones through their scaling plan. The Aggressive plan starts at a higher profit share tier. Specific split percentages and scaling thresholds are defined in the current FundingPips plan documentation — check the live payout policy page rather than any static review figure, as FundingPips has adjusted split percentages across plan updates. The 80% starting rate is lower than Lucid's 90/10 flat and Tradeify's 90/10+ but comparable to Alpha Standard's early-phase rate.

How fast does FundingPips process payouts?

FundingPips processes payouts within 1–2 business days of request approval. Available payment methods include Rise, wire transfer, and crypto (USDT/USDC). Multiple payout rails give FundingPips an advantage over futures firms that are Rise-only — international traders who prefer wire or who operate in regions where Rise's bank coverage is limited have additional options. Crypto settles same-day on most networks. Wire transfers add 1–3 additional processing days beyond the initial review window.

What is the FundingPips evaluation structure?

FundingPips uses a two-phase evaluation. Phase 1 has a higher profit target (typically 8–10% depending on plan), Phase 2 has a lower target (typically 4–5%). Both phases share the same drawdown parameters and daily loss limit rules. There is a minimum trading day requirement in each phase. The two-phase structure means traders must demonstrate consistent performance across both evaluations before funded credentials are issued. This is a stricter gate than one-phase firms (MFF, Alpha) but standard practice among Forex-focused prop firms.

What is the FundingPips daily loss limit?

FundingPips enforces a 5% daily loss limit during both evaluation phases and funded trading. On a $100K account, this translates to a $5,000 maximum daily loss. Hitting the daily loss limit ends trading for that day — it's a session suspension, not account termination. The 5% DLL is calculated on the current account balance, not the starting balance, meaning the absolute dollar threshold changes as the account grows or contracts. This daily drawdown structure applies on top of the maximum account drawdown rule.

What is the FundingPips maximum drawdown?

FundingPips uses a maximum trailing drawdown on funded accounts — the specific percentage and calculation method (EOD trailing, static, or relative to current balance) is defined in the plan agreement. Standard and Aggressive plans may have different maximum drawdown parameters. The maximum drawdown is the account-terminating threshold — a breach ends the funded account and forfeits unpaid profits. Always verify whether FundingPips uses static or trailing drawdown on your specific plan, as the calculation method significantly affects risk management strategy after profitable periods.

Does FundingPips have a consistency rule?

FundingPips may enforce consistency requirements on payout requests depending on the current plan version — verify the consistency policy in your specific funded account agreement. Forex prop firms vary widely on consistency enforcement: some cap best-day percentage at 30–50%, others have no formal consistency check. If FundingPips enforces a consistency rule, it operates similarly to the futures firm standard — your best profitable day cannot exceed a set percentage of total cycle profits at payout submission. Check the payout conditions section of your dashboard before your first withdrawal.

What instruments can you trade with FundingPips?

FundingPips offers a broader instrument universe than futures-only prop firms. Available instruments include Forex major and minor pairs, gold (XAUUSD), silver, indices (US30, NAS100, SPX500, UK100, etc.), crypto (BTCUSD, ETHUSD), and oil (WTI, Brent). This multi-asset access is FundingPips' primary structural advantage over futures-specific firms like Lucid, Tradeify, Alpha, and Topstep. Traders who specialize in Forex majors, gold, or indices should evaluate FundingPips alongside futures firms before choosing their primary funded platform.

What trading platforms does FundingPips support?

FundingPips supports MetaTrader 4 (MT4) and MetaTrader 5 (MT5) as the primary trading platforms. The MetaTrader ecosystem is standard among Forex prop firms and gives access to thousands of custom indicators, Expert Advisors for algorithmic trading, and familiar chart layouts for traders coming from a Forex background. FundingPips may also support DXTrade or other platforms depending on current availability — check the platform page for the current supported list. Traders who specifically need NinjaTrader or Sierra Chart will need a futures-focused firm.

What account sizes does FundingPips offer?

FundingPips offers evaluation accounts starting from $5K and scaling through $10K, $25K, $50K, $100K, $200K, and up. The lower entry points ($5K, $10K) make FundingPips accessible to traders who aren't ready for $50K–$150K minimum accounts at futures prop firms. Larger accounts ($200K+) are available through scaling plan milestones rather than direct purchase. Starting at a smaller account size to verify the evaluation and payout process before scaling is the standard risk management approach.

What is the FundingPips scaling plan?

FundingPips offers a scaling plan that increases funded account capital as traders hit defined performance milestones. The scaling mechanism adds capital to the account and may increase the profit split percentage at higher tiers. Scaling eligibility typically requires a minimum profit percentage over a defined period combined with drawdown compliance. The scaling plan creates a potential income growth path beyond the initial funded amount — traders who consistently hit targets can compound their funded capital without paying for a new evaluation.

Does FundingPips allow news trading?

FundingPips restrictions on news trading vary by plan and have evolved across plan updates. Some FundingPips plans restrict position entry during the 2–5 minutes surrounding high-impact economic releases (NFP, FOMC, CPI). Others permit free trading through news events. Check the current news trading policy in your specific plan's rules documentation before your first news-day trade. This is especially important for Forex traders, as economic releases create the most significant Forex volatility and are a primary entry timing for many macro strategies.

Does FundingPips allow overnight and weekend holding?

FundingPips policies on overnight and weekend holding vary by plan. Many Forex prop firms permit overnight Forex holding but restrict weekend positions due to gap risk across the Friday-Sunday settlement window and Monday open. FundingPips' specific overnight and weekend policies are defined in your account agreement. Forex positions held over weekends are subject to triple swap charges on certain currency pairs — a cost consideration regardless of the prop firm's permission to hold. Verify overnight and weekend rules in your current plan documentation.

What is the FundingPips Aggressive plan?

The FundingPips Aggressive plan charges a higher evaluation fee in exchange for better payout terms — typically a higher starting profit split percentage or a more generous scaling structure than the standard plan. The Aggressive plan is designed for high-volume traders who expect to generate significant monthly profits and want to maximize the percentage they keep from day one. The math only favors the Aggressive plan if your monthly profit generation exceeds the break-even threshold where the higher split pays back the premium evaluation cost — verify the specific plan math at current pricing.

How does FundingPips compare to FTMO?

Both are Forex-focused two-phase evaluation prop firms targeting a similar audience. FTMO offers 80/20 base split with an 8% Phase 1 and 5% Phase 2 target — nearly identical evaluation structure to FundingPips' standard parameters. FTMO has a longer operational track record (founded 2015, $1B+ in payouts documented) and higher brand recognition. FundingPips may offer lower evaluation costs or faster processing for certain geographies. The primary competitive factors are evaluation pricing, active promotional pricing, and consistency rule enforcement specifics. Compare current pricing directly rather than relying on any published review figure.

Is FundingPips worth it for futures traders?

FundingPips is not a futures prop firm — it operates on Forex and CFD instruments through MT4/MT5, not CME futures. Futures traders who specifically need CME futures access, Rithmic or CQG data feeds, and NinjaTrader/Tradovate compatibility should look at Lucid Trading, Tradeify, Alpha Futures, or Topstep instead. FundingPips is an excellent choice for Forex and multi-asset traders, gold specialists, and index CFD traders. If you trade both Forex and futures, running accounts at FundingPips and a futures-specific firm simultaneously is a common multi-firm strategy among experienced prop traders.

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