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%
read the fine print
A mentor of mine uses them so i followed his lead. i held positions over the weekend a bunch of times and never got penalised. the challenge timer is generous … i never felt rushed into bad trades. i appreciated that they email you before a rule change instead of springing it. their reset option after a breach is cheaper than buying a whole new eval. i moved up an account tier and the upgrade process took all of five minutes. would i bet my rent on them? already did, and it worked out.
no complaints really
bought the cheapest account they had just to test the waters. minimum trading days felt forced at first but i get it now, it protects both sides. the second phase target was lower than phase one which kept me sane. overnight swaps are charged but they are upfront about the numbers. i compared them against three others and they had the best balance of price and rules. there is a discord and staff actually show up in it occasionally. do your own research but my experience has been genuinely fine.
rules are strict but fair
A youtuber i actually trust reviewed them so i pulled the trigger. i had a margin scare during cpi and the platform held up without freezing. consistency rule almost got me once because i did not read the fine print, my bad not theirs. support answered a dumb question of mine with an actual example instead of a canned reply. no surprise inactivity fees which i half expected to get hit with. had one weird order rejection and they tracked it to a platform bug and credited me back. recommend with the usual caveat that you have to actually read the rules.
happy so far
Signed up after seeing them everywhere on twitter, figured why not. partial closes and trailing stops both worked exactly like they should. the challenge rules are strict but at least they are written in plain english for once. i had a losing month and they did not nuke my account, just the usual rules applied. go in with a plan or do not go in at all.
worth the eval fee
Tried a bunch of firms this year and this one is somewhere in the middle. had one weird order rejection and they tracked it to a platform bug and credited me back. the payout actually hit my account in like two days which i did not expect. support answered a dumb question of mine with an actual example instead of a canned reply. platform was stable the whole time, no random disconnects during news. no regrets, would hand them my eval fee again.
sticking with them
Wanted something with weekend holding allowed so i landed here. the verification email came instantly instead of the usual 24 hour wait. the trailing drawdown is reasonable if you size your positions like an adult. their mobile app is basic but it does let me check my account on the go. crypto and wire both supported … i did wire and it hit my bank in two business days. execution during london open is tight enough to scalp if you are into that. i would rank them top three of everything i have tried this year.
Low slippage during CPI
Coming off a few good months of retail trading, I wanted leverage. Account credentials arrived quickly after I paid. Feels like they respect their traders, which is more than I can say for some.
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.
Felt like they cared
Have a funded account here and have been profitable for a while now. KYC was handled in under a day once I submitted everything. Good work overall and I hope other firms learn from their example.
Glad I switched here
A fellow trader recommended them and I am glad I listened. Educational content on their site is genuinely useful, not just marketing fluff. Keep doing what you are doing, team.
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Check back soon — firms refresh their promos regularly.
No payout data available for Funding Pips yet.
