Funding Pips review: models, rules and rewards

Funding Pips is no longer described accurately by a single “two-step challenge.” Its current structure includes 1 Step Flex, 2 Step Standard, 2 Step Pro, 2 Step Flex, Zero and the invitation-only Prime Account. The evaluation targets, loss limits, news rules and reward splits change by model and by the reward cycle selected after passing.

Author: MyFxKit Content Team
Technical review: MyFxKit Technical Team
First published: 5 October 2026
Official sources re-checked: 4 November 2026
Snapshot ID: MFK-FIRM-FUNDINGPIPS-2026-11-04-01

This review is educational, not financial advice or a reward guarantee. Funding Pips has revised products and terms several times during 2026. Save the checkout configuration and verify the current help article for the exact account before paying.

Funding Pips review: quick verdict

• 2 Step Standard is the highest-scoring tracked plan on MyFxKit at 90 TC, with 5% daily loss, 10% static total loss and no per-trade cap in the August snapshot.

• The live product family is broader than that snapshot: 1 Step Flex, 2 Step Standard, 2 Step Pro, 2 Step Flex and Zero are now compared in the official help centre.

• 1 Step Flex provides the largest static total-loss room at 12%, but requires a 12% target and has stricter funded-stage conduct rules.

• 2 Step Pro lowers both targets to 6%, but compresses loss room to 3% daily and 6% total.

• Zero skips evaluation, but uses a 5% trailing loss limit, 1% maximum open risk, seven profitable days and strict news and weekend restrictions.

• Reward options range from weekly lower-split cycles to On Demand 100% routes. A larger advertised split comes with additional consistency, profitable-day or conduct conditions.

• Prime is not a normal purchasable challenge. It is invitation-only, uses a 3% soft daily limit, 8% static total loss and daily rewards at an 80% split.

• Residents of Iran are explicitly excluded. Crypto payments do not override country eligibility.

What is Funding Pips?

Funding Pips was founded in 2022 and operates simulated trading programs rather than client brokerage accounts. Current official legal text identifies FundingPips Corp in the Comoros Union and states that the company does not conduct brokerage services or offer real trading accounts through the program (Funding Pips homepage footer; Understanding Trading Mechanics). Accounts bought before 28 September 2026 follow separate legacy rules; this review describes accounts sold now.

The Funding Pips profile on MyFxKit was re-audited on 31 October 2026. It records 16 tracked plan variants across 2 Step Standard, Pro and Flex, prices from $29 to $844 and a best TC Score of 90 for 2 Step Standard. Since then, official documentation has expanded and revised the product model, minimum-day rules, reward choices and Prime pathway.

This article therefore separates two things:

• Tracked snapshot data: useful for comparable prices, spreads, commissions and the TC Score.

• Live official rules: useful for the account currently offered, but still subject to checkout configuration and later changes.

Current Funding Pips models compared

Source: Compare Account Models and each model's help article linked below. All limits are monitored through balance and equity. Reaching the exact threshold is a breach. The nominal percentage is only half the comparison; static versus trailing determines whether profit moves the floor.

2 Step Standard

2 Step Standard currently uses targets of 8% and 5%. The old 10% Phase 1 target stopped being offered on 24 July 2026. The base configuration requires three trading days in each phase, while the 3% daily-loss add-on removes that minimum (2 Step Standard).

The base risk structure is 5% daily and 10% static total loss. For a $100,000 account:

Static total-loss floor = $100,000 − $10,000 = $90,000

If the greater of opening balance or equity is $104,000:

Daily floor at 5% = $104,000 − $5,200 = $98,800

Both open and closed P&L count. The daily baseline resets at 00:00 platform time: UTC+3 in summer and UTC+2 (22:00 UTC) in winter, which runs from the first Sunday of November (2 Step Standard).

Reward choices on Standard

The 35% consistency rule does not apply to Weekly or Bi-weekly cycles. On On Demand, no single day's profit may exceed 35% of total profit at request time.

Consistency score = Best profitable day ÷ Total profit × 100

If the best day is $700 and total profit is $2,000, the score is 35%. Reaching the exact percentage should not be treated as comfortable headroom; additional profit reduces boundary risk.

2 Step Pro

2 Step Pro uses a 6% target in each phase, 3% daily loss and 6% static total loss. New and reset accounts have no minimum trading days; accounts purchased before 26 August 2026 keep a one-day minimum (2 Step Pro).

On a $100,000 Pro account:

Static total floor = $94,000

If opening equity is $107,000 and opening balance is $105,000:

Daily baseline = $107,000

Three-percent daily floor = $103,790

The daily allowance grows with the higher opening reference, but this does not move the static total floor. A profitable start to the day can therefore create a higher daily floor while total loss remains anchored to initial size.

Pro offers Weekly 80% and On Demand 100%. The 100% route carries the 35% consistency rule, seven profitable days and the striking system.

1 Step Flex and 2 Step Flex

1 Step Flex exchanges a single 12% target for a large 12% static maximum-loss allowance. The daily limit depends on configuration and is shown as 3% or 2% in current detailed documentation (1 Step Flex).

Its rewards are 80% bi-weekly, or On Demand 100% with the 35% consistency rule and seven profitable days. The 85% figure seen earlier in 2026 now applies only to legacy accounts.

2 Step Flex uses 10% and 8% targets, 4% daily loss, 12% static total loss and one minimum trading day per phase. Its bi-weekly split is 80%, or 95% if chosen at purchase (same price, three profitable days per cycle), plus a conditional On Demand 100% route (2 Step Flex).

Flex is not simply “more flexible.” Its funded-stage striking system and news, weekend and risk-per-idea rules remain important. Product names should not replace reading the account-specific conduct rules.

Funding Pips Zero

Zero provides an Instant Master account without evaluation. It uses 3% daily loss and 5% trailing maximum loss, 1% maximum open risk and seven profitable days before a reward. The published reward route is bi-weekly at 95% (Funding Pips Zero).

The trailing floor is the main structural risk. Unlike the static floors on evaluation models, it can rise with performance. A withdrawal can leave little space between the remaining balance and the higher floor.

Zero also has stricter event rules:

• Opening, closing or holding a position inside the restricted high-impact news window is a hard breach.

• Weekend holding is prohibited and can terminate the account.

• A completed trade is required inside each 30-calendar-day activity window.

Zero is therefore unsuitable for a trader who routinely carries positions through red-folder events or weekends.

The Prime Account

Prime cannot be selected from the normal challenge menu. Funding Pips invites traders based on performance (Prime Account). The profit retained after the Master reward split is multiplied by 12.5 to size the Prime Account.

Prime size = Eligible profit after split × 12.5

For example, $8,000 after the split produces a $100,000 Prime Account.

Prime then applies:

• A 3% soft daily loss limit. Reaching it pauses trading for the rest of the day instead of closing the account.

• An 8% static maximum-loss floor. Touching it closes the account.

• Daily reward requests at an 80% split whenever closed profit reaches the 1% minimum.

• MT5 only and separate KYC plus a Prime agreement.

• Scaling through staged profit and profitable-day conditions, with a stated maximum of $2 million per Prime Account.

Opening Prime closes the trader's evaluation and Master accounts after open positions are closed. This is a separate long-term path, not an add-on that runs alongside the original accounts.

The striking system and risk per trade idea

Funding Pips can group multiple positions into a single “trade idea.” A trade idea may include one trade, several trades in the same direction on the same instrument, or new trades opened shortly after a losing trade closes.

On models where the striking system applies, reaching 1% loss on one idea generates a warning. Warnings accumulate rather than resetting with reward cycles (2 Step Standard):

1. First warning: recorded

1. Second warning: reward split can be cut in half

1. Third warning: split can fall to 20%

1. Fourth warning: account closure

Profit attributed to warned trade ideas may also be deducted. A trader who divides one setup across multiple tickets should not assume each ticket receives a separate 1% allowance.

News trading

The current wording is more nuanced than a simple “allowed” label:

• Evaluation accounts can generally hold and manage positions during high-impact events.

• Purposefully targeting news in either evaluation or Master stages is prohibited.

• On regular Master accounts, profit from trades opened or closed within five minutes of high-impact news, or from five minutes before a high-impact speech starts until five minutes after it ends, may be deducted.

• Trades opened at least five hours before the event can qualify for a swing-trader exception.

• Zero treats opening, closing or holding inside its restricted window as a hard breach.

The Funding Pips dashboard calendar is the stated reference (News Trading & Weekend Holding). Closing a partial order can flag the full order. If a deduction pushes equity through a loss limit, the resulting breach remains the trader's responsibility.

Overnight and weekend holding

Evaluation accounts allow overnight and weekend holding. Standard Master and Flex Master accounts may be automatically closed before rollover or weekend unless the Swing add-on was purchased (News Trading & Weekend Holding).

An automatic close is not described as an immediate breach, but it can affect valid-day calculations and execution. Zero is different: weekend exposure is a hard-breach risk.

The Swing or Swap-Free choice can also reduce leverage. Current 1 Step Flex documentation lists Forex leverage of 1:100 on standard accounts versus 1:30 with Swing or Swap-Free; metals move from 1:30 to 1:5, and funded accounts also apply temporary dynamic leverage on metals (1 Step Flex).

Pricing snapshot

The August MyFxKit snapshot records these base prices:

These prices predate some of the current model changes and should be treated as a dated benchmark. Coupons, reset discounts, platform selection and add-ons can change the checkout total.

TC Score and trading cost

MyFxKit gives tracked 2 Step Standard a 90 TC Score with 100% data coverage. Positive components include 5% daily loss, 10% static total loss, no tracked per-trade cap, no base consistency rule, news and EA permissions, and 1:50 gold leverage.

Tracked costs include a 1.80 gold spread and $5 commission per lot. The base 80% profit share is closer to the middle of the listed market range than the top.

The TC Score evaluates the specific tracked plan, not every current Funding Pips product or reward cycle. Zero's trailing floor and Prime's invitation system should not inherit the Standard score.

Can Iranian traders use Funding Pips?

No. The current official onboarding guide explicitly excludes residents of Iran, Vietnam and the UAE (Get Started).

Using crypto, a foreign card, VPN or another person's identity does not remove the residency rule. It creates KYC, regional-IP and reward-rejection risk. Funding Pips also states that purchase, website and trading IP regions should remain reasonably consistent (Trading Conduct and Security Standards).

Iranian residents should compare firms currently shown as accepting Iran on MyFxKit rather than attempting to bypass the restriction. Eligibility still needs direct confirmation immediately before purchase.

Strengths

• Multiple evaluation structures with static total loss

• Standard plan scored 90 TC in the tracked snapshot

• Reward-cycle choice from weekly through monthly

• On Demand route with a 100% split on Standard, with conditions

• Your own EAs allowed for full automation; third-party EAs only as trade or risk managers

• High base Forex leverage on standard evaluation accounts

• Prime creates a defined invitation and scaling path

Limitations and risks

• Iranian residents are explicitly excluded

• Product and reward terms changed repeatedly during 2026

• Highest reward splits carry extra consistency, day or timing conditions

• Master-stage news profits can be deducted

• Standard Master weekend holding requires the relevant add-on

• Zero has trailing loss, 1% open-risk and hard news restrictions

• The striking system can reduce reward splits after repeated warnings

• Accounts bought before 28 September 2026 follow separate legacy rules

Which Funding Pips model fits which trader?

Pre-purchase checklist

1. Save the model, size, platform, daily-loss option, add-ons and final price.

1. Record whether maximum loss is static or trailing.

1. Confirm minimum days for the exact account generation.

1. Choose the reward cycle only after modelling its true split and eligibility conditions.

1. Calculate the 35% consistency score from real daily results.

1. Map all positions that could be grouped into one trade idea.

1. Confirm Master-stage news and weekend rules.

1. Put the 00:00 platform-time reset and 30-day inactivity date in the trading plan.

1. Use genuine residence, payment and identity information.

1. Recheck the live Funding Pips profile and official help centre before payment.

Frequently asked questions

What is the best Funding Pips model?

There is no universal best model. 2 Step Standard has the highest tracked TC Score; Pro reduces targets but also loss room; Flex expands static total loss; Zero removes evaluation but introduces a trailing floor.

Does Funding Pips accept Iranian traders?

No. The current onboarding documentation explicitly excludes Iranian residents.

Is news trading allowed?

Evaluation accounts can generally hold through news, but purposeful news trading is prohibited. Master-stage profits inside restricted windows may be deducted, while Zero treats restricted-window exposure as a hard breach.

Does Funding Pips use static drawdown?

The evaluation models publish static maximum loss. Zero uses a trailing limit. Prime uses an 8% static maximum-loss floor.

Can Funding Pips pay 100%?

The On Demand route advertises a 100% split, but requires the 35% consistency rule, seven profitable days and the striking system. It is not an unconditional default split.

What is Prime?

Prime is an invitation-only account created from proven Master performance. It offers daily 80% reward requests, a 3% soft daily limit and 8% static maximum loss.

Final assessment

Funding Pips offers unusually broad control over evaluation structure and reward timing. Its strongest conventional proposition remains 2 Step Standard: a familiar 8%/5% evaluation with 5% daily and 10% static loss limits. Pro suits lower-target traders who can operate inside tighter risk. Flex suits traders who value a larger static floor. Zero trades evaluation speed for the risks of trailing loss and strict event rules.

The headline reward percentage should never be selected in isolation. Weekly, bi-weekly, On Demand and Prime rewards attach different waiting periods, consistency tests, profitable-day requirements and conduct rules. For Iranian residents, the current restriction ends the analysis before price or TC Score becomes relevant.

Official sources

Research note: first published 5 October 2026; rules and rewards re-checked against the official pages above on 4 November 2026. TC Score and prices are MyFxKit's tracked data. Funding Pips account models, reward choices and restrictions can change.