FundingPips Rules Explained (2026)
FundingPips runs a 2-phase evaluation with a trailing (closed balance) drawdown of 8% and a 5% daily loss limit. Funded traders keep up to 85% of profits.
Firm Health & Payout Reliability
● CautionPayout reliability
Fair
Avg. payout time
5–14 business days
Trustpilot
4.2 / 5.0
Newer firm with competitive pricing — payout delays reported by some traders
Positives
- ✓Among the lowest challenge fees in the industry ($39 for $5k)
- ✓85% profit split
- ✓Trailing balance drawdown (less punishing than equity trailing)
Watch out for
- !Founded 2023 — limited track record
- !Payout delays reported by multiple traders on community forums
- !No news trading allowed — limits strategy flexibility
- !No weekend holding — positions must be closed Friday
- !Caution status reflects newer firm risk, not confirmed systemic issues
Last verified: 2025-07-01 · Firm conditions change. Always verify payout history, current reviews, and terms before purchasing a challenge.
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Key rules
| Drawdown type | Trailing (closed balance) |
| Maximum drawdown | 8% |
| Daily loss limit | 5% |
| Daily reset time | 17:00 ET |
| Consistency rule | None |
| Profit split | Up to 85% |
| Account sizes | $5k, $10k, $25k, $50k, $100k, $200k |
| Challenge fees | $39–$799 |
| Platforms | MT4, MT5 |
| Asset classes | Forex, Indices, Commodities, Crypto |
| News trading | Not allowed |
| Weekend holding | Not allowed |
| EAs / bots | Allowed |
Evaluation phases
| Phase | Profit target | Min trading days | Time limit |
|---|---|---|---|
| Phase 1 | 8% | 5 | 30 days |
| Phase 2 | 5% | 5 | 60 days |
How FundingPips's drawdown actually works
FundingPips's drawdown trails your highest closed balance. Each time you bank a new equity high, the floor ratchets up beneath you — keeping a fixed 8% cushion above the current floor rather than your starting balance. It's less brutal than intraday-equity trailing, but you still can't rely on your original buffer staying put.
SimTrade's simulator computes this floor live and shows your remaining risk budget in real dollars, so you can practice FundingPips's rules before paying a fee.
Things to know
Trailing drawdown trails your highest closed balance — as you profit, your floor rises. Budget your risk accordingly.
Frequently asked questions
What is the maximum drawdown on FundingPips?
FundingPips's maximum drawdown is 8%. FundingPips uses a trailing drawdown that follows your highest closed balance. As you lock in profits, the floor ratchets up beneath you.
Does FundingPips have a daily loss limit?
Yes — FundingPips caps your loss at 5% of the account in a single day, measured from the day's starting balance. The daily window resets at 17:00 ET. Miscounting the reset boundary fails accounts constantly.
What is the profit target to pass FundingPips?
FundingPips's evaluation has 2 phases: Phase 1 requires 8% profit, Phase 2 requires 5% profit. A minimum of 5 trading days applies.
What is the profit split on FundingPips?
Funded FundingPips traders keep up to 85% of the profits they generate.
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