Funding Pips
Funding Pips has been around since 2021 and traders keep using them. Whether that's because the product is good or because the marketing budget is genuinely large...that's something the pass rate and community data will tell you better than we can.
(38% of complaints)
Who Is This Firm For?
About Funding Pips
Founded in Dubai in 2022, they've built one of the larger Trustpilot profiles in the industry in a short time. 54,329 reviews don't lie — though 8% one-star is worth keeping an eye on.
- Founded
- 2022
- Max Allocation
- $200,000
- Leverage
- 1:100
- Commissions
- $3/lot
Pros
- - Zero Model: no profit target on master account — unique offering not available at most prop firms
- - 54,329 Trustpilot reviews with consistent payout track record — one of the largest review bases in the industry
- - Hidden Rules Meter 2.0/10 — rules clearly documented and accessible before purchase
- - Static drawdown on all evaluation models — floor never moves against you as you profit
- - Risk per position hard limits clearly defined — 2% above $50K, 3% below $50K
- - 3-day minimum trading requirement — one of the lowest evaluation minimums available
Cons
- - News trading prohibited and classified as account abuse — applies to both evaluation and funded, no exceptions
- - Same trade idea rule — new position in same direction within 10 minutes counts as one combined risk limit
- - Risk assessment interviews can occur daily, weekly or monthly — payouts withheld until completed
- - Zero Model requires 7 profitable days per 30-day period with minimum 0.25% per day — failure closes account
- - Chargeback or payment dispute: immediate permanent ban, all accounts closed, no appeals
- - Responsible Trading Policy runs to several thousand words — unusually detailed compliance framework
Lost faith in this firm
Based on their marketing I expected a lot more than I got. Documentation contradicts itself in multiple places. Looking forward to never logging into their dashboard again.— Verified Trader (arjun) See all reviews
News trading is a hard line at Funding Pips — not a soft restriction. If news is any part of your strategy, this is not the right firm. The 10-minute same-direction trade idea rule catches traders who scale into positions gradually — every buy you open within 10 minutes of the last one counts toward the same risk limit. Read the Zero Model's 7-day profitable requirement carefully before you request a payout.
Trading Conditions
Drawdown System
- 1-Step: 3% daily, 6% max — Static
- 2-Step: 5% daily, 10% max — Static
- 2-Step Pro: 3% daily, 6% max — Static
- Zero Model (master): 3% daily, 5% max — Trailing equity-based
- Zero Model: trails to highest equity — locks permanently at initial balance once 5% profit reached
- 30-day inactivity: account closed
High-Frequency & Fast Trading
- Not Allowed:
- HFT and tick scalping
- Latency arbitrage
- Reverse arbitrage
- Toxic trading flow and server spamming
- Gap trading
- Hedging and long-short arbitrage
- Opposite account trading
- Overleveraging and excessive position sizing
Low Liquidity & Timing
- News trading: explicitly prohibited on all accounts — evaluation and master stage
- Intentional news trading classified as account abuse — leads to termination
- No specific session time restrictions beyond news prohibition
- Zero Model: minimum 7 profitable days per 30-day period required — each day must generate at least 0.25% of account balance
Loss-Chasing & Gambling
- Not Allowed:
- Overleveraging and excessive position sizing
- Purposely trading news events — classified as account abuse
- Same direction position within 10 minutes of existing trade: counted as one trade idea for risk limit purposes
- Splitting one trade into multiple positions to bypass risk per position limits
- Account management or copy trading by third-party vendors
Risk Management
- Accounts $50K and above: maximum 2% risk per position
- Accounts below $50K: maximum 3% risk per position
- Same trade idea rule: new position in same direction within 10 minutes = one combined risk limit
- IP activity monitored and logged — coordinated or managed trading patterns trigger review
- Risk assessment interviews: mandatory participation — payouts withheld until completed
- Payment dispute or chargeback: immediate permanent ban, all accounts closed, no appeals
Funding Pips - Trading Conditions, Key Rules
Forbidden Trading Practices
- Gap trading
- High-frequency trading
- Toxic trading flow & server spamming
- Latency arbitrage
- Hedging & long-short arbitrage
- Reverse arbitrage & tick scalping
- Opposite account trading
- Copy trading or account management by third-party vendors
- Overleveraging & excessive position sizing
- Purposely trading news events — explicitly prohibited & classified as abuse
That last one deserves special attention. Most firms restrict news trading on funded accounts. Funding Pips goes further — intentionally trading news is classified as an abuse of the account given in good faith & leads to termination. Not a soft rule. A hard line.
Side note: the Responsible Trading Policy runs to several thousand words and covers everything from geopolitical awareness to taking breaks. It reads less like a terms document and more like a trading philosophy book. Whether that's reassuring or slightly overwhelming depends on your patience for fine print.
News Trading
- News trading is forbidden — intentionally trading news events leads to account termination
- Classified as an abuse of Funding Pips accounts
- Applies to both evaluation and master stage
This is one of the strictest news trading policies in the industry. If news trading is any part of your strategy — Funding Pips is not the right firm.
Expert Advisors
- Third-party EAs → allowed only if used as a trade or risk manager
- Any other third-party EA → not allowed, leads to account violation & reward decline
- Custom EAs → permitted within responsible trading guidelines
The distinction is narrow but important — an EA that manages your risk or executes your trades is fine. An EA that generates signals or operates autonomously is not. If you're not sure which category yours falls into, assume it doesn't qualify until confirmed.
Copy Trading
- Copy trading by third-party vendors → strictly prohibited
- Account management by third parties → not allowed
- IP monitoring → Funding Pips explicitly reserves the right to monitor, log & analyze IP address activity
You can trade from multiple IPs — that's acknowledged. But if IP patterns suggest coordinated or managed trading, expect a review.
Account Models — Overview
| Model | Profit Target | Daily Loss | Max Loss | Min Trading Days | Drawdown Type |
|---|---|---|---|---|---|
| 1-Step | 10% | 3% | 6% | 3 days | Static |
| 2-Step (Phase 1) | 8% or 10% | 5% | 10% | 3 days | Static |
| 2-Step (Phase 2) | 5% | 5% | 10% | 3 days | Static |
| 2-Step Pro (Phase 1) | 6% | 3% | 6% | 1 day | Static |
| 2-Step Pro (Phase 2) | — | 3% | 6% | 1 day | Static |
| Zero Model (Master) | No target | 3% | 5% | 7 profitable days/30 days | Trailing |
The Zero Model — What It Actually Means
The Zero Model is the most unique offering in the Funding Pips lineup & the one most traders misread.
- No profit target on the master account
- 5% trailing max loss — based on equity, trails to the highest equity level reached
- Once 5% profit is reached → max loss locks at initial balance permanently
- 7 minimum profitable days required every 30-day period — each day must generate at least 0.25% of account balance
- Failure to meet the 30-day requirement → account closed
The trailing mechanism works similarly to other firms' trailing drawdown — the better you do early, the tighter your floor gets until the lock kicks in. After the lock, it behaves like a static drawdown. Read the sequence carefully before you start.
Risk Per Position — Hard Limits
This section applies to all accounts & is enforced strictly.
- Accounts $50K and above → maximum 2% risk per position
- Accounts below $50K → maximum 3% risk per position
- Same trade idea rule → opening a new position in the same direction within 10 minutes counts as one trade idea for the 2%/3% limit
- Splitting trades into multiple positions → all positions counted as one trade for the purpose of this rule
The 10-minute same-direction rule catches traders who try to scale into positions gradually. If you opened a buy 8 minutes ago & open another buy now — that's one trade idea, one combined risk limit.
Risk Assessment Interviews
- Periodic risk & compliance assessments — can occur monthly, weekly or daily
- Once initiated → payouts withheld until assessment is satisfactorily completed
- Participation mandatory — failure to cooperate results in withheld remuneration & potential termination
The frequency range here is wide — daily assessments are theoretically possible. In practice this is triggered by unusual trading patterns, but it's worth knowing the mechanism exists before you hit a payout request.
Inactivity Rule
- 30 consecutive calendar days without a trade → account closed
Standard across the industry. Nothing unusual here.
Disputes Policy
One rule worth reading before you ever consider a chargeback:
- Disputing a payment → account banned immediately, permanently
- All other active accounts → closed
- No appeals accepted
Funding Pips treats chargebacks as a direct financial & reputational damage. The policy is explicit and non-negotiable. If you have a genuine issue with a payment, contact support first — a dispute will end the relationship permanently.
Final Take
Funding Pips has built something real in three years — 54,329 Trustpilot reviews, a clean Hidden Rules Meter of 2.0/10 & a product lineup that covers most trading styles. The Zero Model in particular is genuinely different from what most firms offer.
The news trading prohibition is the most significant limitation in the lineup — stricter than most competitors & worth factoring in before you buy. The risk per position rules & the 10-minute same-direction trade idea rule add another layer of complexity that rewards traders who read carefully.
Hidden Rules Meter: 2.0/10 — Trust Score: 4.3/5 — Trustpilot: 4.5/5.
Restricted Countries
Funding Pips operates under Dubai law. Full list of restricted jurisdictions available on the Funding Pips website.
Features & Support
Zero
Step 1 0.0%
Step 2 0.0%
2-Step Pro
Step 1 6.0%
Step 2 6.0%
2-Step Standard
Step 1 8.0%
Step 2 5.0%
2-Step Pro
Step 1 6.0%
Step 2 6.0%
1-Step
Step 1 10.0%
Step 2 N/A
Zero
Step 1 0.0%
Step 2 0.0%
2-Step Standard
Step 1 8.0%
Step 2 5.0%
2-Step Pro
Step 1 6.0%
Step 2 6.0%
1-Step
Step 1 10.0%
Step 2 N/A
Zero
Step 1 0.0%
Step 2 0.0%
2-Step Standard
Step 1 8.0%
Step 2 5.0%
2-Step Pro
Step 1 6.0%
Step 2 6.0%
1-Step
Step 1 10.0%
Step 2 N/A
Zero
Step 1 0.0%
Step 2 0.0%
2-Step Standard
Step 1 8.0%
Step 2 5.0%
2-Step Pro
Step 1 6.0%
Step 2 6.0%
1-Step
Step 1 10.0%
Step 2 N/A
Zero
Step 1 0.0%
Step 2 0.0%
2-Step Standard
Step 1 8.0%
Step 2 5.0%
2-Step Pro
Step 1 6.0%
Step 2 6.0%
1-Step
Step 1 10.0%
Step 2 N/A
Zero
Step 1 0.0%
Step 2 0.0%
Quietly Impressed
Wanted a firm with a platform i already knew how to use. you can hold trades through teh weekend on the funded side which alot of firms wont let you do. man the challenge timer is generous … i never felt rushed into bad trades. you can request a payout any day once youre funded … no waiting for some fixed cycle. i like that they show your stats in real time instead of a delayed dashboard.
finally a firm that pays
Funded trader for about a year now bouncing between a couple firms. i renewed my challenge this month which is basically my whole review right there. i held positions over the weekend a bunch of times and never got penalised. they honoured a payout even though i fat fingered a lot size, very fair. there is a discord and staff actually show up in it occasionally. i went in skeptical and walked out a believer.
exactly what i hoped for
Started with thier two step eval because teh one step felt too good to be true. i compared them against three others and they had the best balance of price and rules. bro the challenge rules are strict but at least they are written in plain english for once. they grandfathered my old account rules when they updated their terms which felt fair. four payouts in, never once had to chase them, that earns the recommendation.
no complaints from me
been curious about these guys since they launched. support gave me a straight answer about overnight holds instead of dodging the question. reset on a blown challenge was free which saved me from buying a whole new account. i tested the live account against the demo with the same setups and it matched. the rules pdf is long but at least nothing is buried in tiny print. honestly the smoothest funded experience i have had, would sign up again.
Decent For The Price
Picked them because they were one of the few that took traders from my country. the consistency requirement kept me disciplined but also kept me small. payouts work but the dashboard doesnt show a clear status while you wait. their faq contradicts the rules pdf in at least two places that i found. lukewarm on it, it does the job but never makes you feel good about it.
support actually replies
I am a swing trader so teh overnight and weekend rules mattered most to me. tbh their content creators seem to actually trade the product instead of just reading scripts. no surprise inactivity fees which i half expected to get hit with. i moved up an account tier and the upgrade process took all of five minutes. the weekly market recap they send is actually worth reading. would tell a friend to join without hesitation.
cheap eval real payouts
Grabbed an account during thier black friday sale like half of twitter apparently. teh rules are written in plain english so i actually knew what id get banned for before i started. first withdrawal i was sweating bullets but it came through clean and on time. slippage outside of high impact news is basically a non issue for me. been with them six months and the payout reliability is the main reason im still here. not the cheapest, not the flashiest, just reliable, and that is enough. tbh
a safe pick
Tried a bunch of firms this year so i know what to look for by now. crypto and wire both supported, i did wire and it hit my bank in two business days. honestly the rules made my retail trading better too, forced discipline and all that. drawdown is end of day based not intraday so a quick wick against me doesnt kill the account. the platform let me set custom alerts which actually helped me stick to my risk plan. the trailing drawdown is reasonable if you size your positions like an adult. i have nothing dramatic to report and honestly that is the highest praise.
good for swing traders
Third firm i tested this quarter so here is where they landed. kyc was painless, uploaded my id and got verified the same afternoon. the funded payout split started at 80/20 and scaled up which felt fair. i had a losing month and they did not nuke my account, just the usual rules applied. support speaks actual english and not copy pasted template answers. they let me trade through the cpi release without flagging my account which was a relief.
low key impressed
A youtuber i actually trust reviewed them so i pulled the trigger. their spreads on gold are tighter than the broker i was using before i found them. i traded indices mostly and the spreads on those were perfectly fine. the daily loss limit gives you enough room to actually trade your plan instead of choking you out. their economic calendar integration is a small thing but i use it daily.
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