FundingPips Review
FundingPips Review 2026: Rules, Accounts, Payouts and AUDIT Coupon
FundingPips offers five simulated Forex and CFD trading routes: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and FundingPips Zero. The programs differ substantially in profit targets, daily loss, maximum loss, minimum trading days and Master Account reward conditions.
FundingPips coupon code: AUDIT
Discount: 20% off FundingPips plans
How to use it: Enter AUDIT in the coupon-code field before payment, select Apply and confirm that the checkout total falls by 20%.
Review method: Prop Firm Audit checked FundingPips' published Help Center, program rules, reward documentation and risk disclosures on 21 September 2026. This is a document-based editorial audit, not a first-hand trading or payout test. FundingPips can change prices, rules and code coverage; the live checkout total and account agreement control.
Quick Verdict
FundingPips is most competitive for traders who want a choice between a one-phase challenge, several two-phase structures and an instant-style Zero account. The 2 Step Standard model provides the most familiar evaluation framework, while 1 Step Flex offers a single 12% target with no minimum trading days. The key trade-off appears after passing: reward cycles, consistency requirements, profit concentration, news restrictions and the striking system can matter more than the evaluation target.
Code AUDIT provides a clear 20% purchase discount. Traders should apply it before payment and compare the final discounted cost with the rules of the chosen model—not select an account on price alone.
FundingPips Review at a Glance
| Review point | FundingPips details |
|---|---|
| Trading models | 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and Zero |
| Account sizes | $5,000 to $200,000, depending on model |
| Trading environment | Simulated demo accounts |
| Profit targets | Vary by model; 12% on 1 Step Flex, 8%/5% on Standard and 6%/6% on Pro |
| Daily loss | Generally 3% to 5%, depending on model |
| Maximum loss | 5% trailing to 12% static, depending on model |
| Evaluation deadline | No overall deadline; inactivity rules still apply |
| Reward cycles | On demand, weekly, bi-weekly or monthly, depending on model |
| Platforms | MT5, cTrader and Match-Trader, subject to model and country |
| Instruments | Forex, metals, energies, indices and crypto CFDs |
| Coupon code | AUDIT |
| Coupon discount | 20% off |
| Important caution | Master Account rules are stricter than the headline evaluation rules |
FundingPips Coupon Code AUDIT
| Coupon detail | Information |
|---|---|
| Code | AUDIT |
| Discount | 20% off |
| Applies to | FundingPips plans shown as qualifying at checkout |
| Redemption | Enter the code before completing payment |
| Verification | Confirm the order total decreases by 20% |
| Stacking | Do not assume it combines with another promotion |
| Final price | The live checkout total controls |
FundingPips 20% Discount Examples
FundingPips does not expose a stable public price table to every region without entering its checkout. To avoid publishing stale plan fees, the table below shows how a 20% discount works at common checkout totals. It is a savings calculator, not a claim that every listed amount is a current account price.
| Checkout price | Saving with AUDIT | Discounted total |
|---|---|---|
| $32.00 | $6.40 | $25.60 |
| $50.00 | $10.00 | $40.00 |
| $100.00 | $20.00 | $80.00 |
| $200.00 | $40.00 | $160.00 |
| $300.00 | $60.00 | $240.00 |
| $500.00 | $100.00 | $400.00 |
The calculation is:
Discounted price = checkout price × 0.80
Optional add-ons, payment fees, currency conversion and taxes can change the payable total. Confirm the exact saving on the order summary.
How to Apply FundingPips Promo Code AUDIT
- Open the FundingPips purchase page.
- Select the trading model and account size.
- Choose the platform and any optional add-ons.
- Continue to checkout.
- Enter
AUDITin the coupon-code field. - Select Apply.
- Confirm that the price decreases by 20%.
- Review the final currency, fees, rules and total before paying.
FundingPips states that coupon codes must be applied before payment and cannot be added to a completed order. If AUDIT does not change the price, check the spelling, remove another active code and contact FundingPips support before purchasing.
FundingPips Account Types Compared
| Feature | 1 Step Flex | 2 Step Standard | 2 Step Flex | 2 Step Pro | FundingPips Zero |
|---|---|---|---|---|---|
| Structure | One evaluation phase | Two evaluation phases | Two evaluation phases | Two evaluation phases | No evaluation |
| Profit target | 12% | 8% then 5% | Confirm current targets at checkout | 6% then 6% | None |
| Daily loss limit | 3% | 5% | 4% published | 3% | 3% |
| Maximum loss | 12% static | 10% static | 12% static published | 6% static | 5% trailing |
| Minimum trading days | None | 3 per phase | No minimum published | 2 per phase | Seven qualifying profitable days per rolling 30 days |
| Account sizes | $5K–$100K | $5K–$100K | Varies | $5K–$200K | $5K–$200K |
| Standard reward route | 85% bi-weekly | Multiple cycle choices | 85% bi-weekly published | 80% weekly | 95% bi-weekly |
| Drawdown character | Widest static allowance | Familiar balanced structure | Wider static allowance | Tightest evaluation limits | Trailing drawdown and stricter risk rules |
The 2 Step Flex product is part of the current five-model lineup. FundingPips has publicly described it with a 4% daily loss limit, 12% static maximum loss, no minimum trading days and an 85% bi-weekly reward structure. Because its exact target and checkout configuration can change, confirm those items on the live order and agreement rather than relying on an older comparison.
1 Step Flex
1 Step Flex uses one 12% profit target, no minimum trading days and no fixed completion deadline. It has a 3% daily loss limit and a 12% static maximum loss limit.
The daily limit uses the higher of the opening balance or opening equity as its baseline. Floating P&L and closed losses count. The limit resets at 00:00 platform time, while the static maximum-loss floor stays tied to the original account size.
After passing, the published standard route is an 85% bi-weekly reward. A monthly 100% option carries additional requirements, including a 35% consistency score and seven qualifying profitable days. The Master Account also uses a striking system when a trade idea reaches the specified floating-loss threshold.
2 Step Standard
2 Step Standard uses an 8% Phase 1 target and a 5% Phase 2 target. FundingPips withdrew the older 10% Phase 1 version for new purchases on 24 July 2026. New accounts require three minimum trading days in each phase.
The model has a 5% daily loss limit and a 10% static maximum loss limit. It offers the broadest range of reward-cycle choices:
- Weekly at a 60% split
- Bi-weekly at an 80% split
- On demand at a 90% split, subject to a 35% consistency score and a 2% minimum profit
- Monthly at a 100% split, subject to a 35% consistency score and seven profitable days of at least 0.5% each
The original registration fee can be refunded at the fourth reward on the current 2 Step Standard structure. FundingPips states that this refund does not apply to 1 Step Flex, 2 Step Pro, 2 Step Flex or Zero.
2 Step Pro
2 Step Pro uses a 6% profit target in both phases, a 3% daily loss limit and a 6% static maximum loss limit. New accounts require two minimum trading days per phase following the change effective 26 August 2026.
The reward structure is an 80% weekly cycle under the current published model. The smaller target may look easier, but the loss allowance is also materially tighter than Standard. Traders should compare the target-to-drawdown ratio rather than the target alone.
FundingPips Zero
Zero skips the evaluation and opens directly as a Master Account. It offers a 95% bi-weekly reward split, but it carries the most restrictive risk framework:
| Zero rule | Current requirement |
|---|---|
| Daily loss | 3% of the higher opening balance or equity |
| Maximum loss | 5% trailing; locks at breakeven after reaching 5% profit |
| Maximum open risk | 1% of starting size across losing open positions |
| Risk per trade idea | 3% below $50K; 2% at $50K and above |
| Profitable days | 7 days per rolling 30-day period |
| Profitable-day threshold | At least 0.25% net closed profit |
| News trading | Restricted-window exposure is prohibited |
| Weekend holding | Prohibited |
| Reward split | 95% bi-weekly |
| Reset | 20% reset discount within the stated post-breach window |
Zero can save time, but its trailing loss and open-risk rules make it unsuitable for traders who want to use the same position-sizing approach as a static-drawdown evaluation.
Profit Targets and Loss Allowance
| Model | Target required | Daily loss | Maximum loss | Minimum trading days |
|---|---|---|---|---|
| 1 Step Flex | 12% | 3% | 12% static | None |
| 2 Step Standard | 8% then 5% | 5% | 10% static | 3 per phase |
| 2 Step Pro | 6% then 6% | 3% | 6% static | 2 per phase |
| Zero | No evaluation target | 3% | 5% trailing | 7 profitable days per rolling 30 days |
Drawdown Examples on a $100K Account
| Model | Daily-loss example | Maximum-loss example |
|---|---|---|
| 1 Step Flex | 3% = $3,000 from the higher daily opening baseline | $12,000 static allowance |
| 2 Step Standard | 5% = $5,000 from the higher daily opening baseline | $10,000 static allowance |
| 2 Step Pro | 3% = $3,000 from the higher daily opening baseline | $6,000 static allowance |
| Zero | 3% = $3,000 from the higher daily opening baseline | $5,000 trailing allowance at the starting point |
These are percentage illustrations. The dashboard calculation can change with opening equity, floating P&L, commissions and swaps. Touching a loss threshold can count as a breach even if the position later recovers.
Reward Cycles and Profit Splits
The highest advertised split is not automatically the best choice. A faster reward cycle can use a lower split, while a 90% or 100% route adds consistency or profitable-day requirements.
| Model or cycle | Reward timing | Split | Main condition |
|---|---|---|---|
| Standard Weekly | Every 7 days | 60% | Standard cycle conditions |
| Standard Bi-Weekly | Every 14 days | 80% | Standard cycle conditions |
| Standard On Demand | When requirements are met | 90% | 35% consistency and 2% minimum profit |
| Standard Monthly | Every 30 days | 100% | 35% consistency and seven 0.5% profitable days |
| 1 Step Flex Bi-Weekly | Every 14 days | 85% | Minimum reward requirement |
| 2 Step Pro Weekly | Weekly | 80% | Model reward conditions |
| Zero Bi-Weekly | Every 14 days | 95% | 15% consistency and seven qualifying profitable days |
FundingPips publishes a normal minimum reward request of 1% of the Master Account size, including its split. Some payment methods require a larger transfer minimum. Reward requests remain subject to KYC, account review, rule compliance and the applicable agreement.
Profit Concentration Policy
For new evaluation accounts, FundingPips can review whether one trade idea produced more than 60% of the phase profit target. The policy applies to evaluation-based models, while Zero has no evaluation phase.
If triggered, the trader can still pass the evaluation. The resulting Master Account must then complete four profitable days before every reward request. Each qualifying day requires at least 0.5% net realized profit based on the starting Master Account size.
A “trade idea” can combine one trade, simultaneous positions in the same instrument and direction, and a new same-direction position opened within ten minutes of closing a losing trade. Traders using scale-in or rapid re-entry strategies should account for this grouping method.
Striking System and Trade-Idea Risk
Several Master Account models use a striking system. When one grouped trade idea reaches the relevant floating-loss threshold, FundingPips can record a warning even if the position later recovers.
A typical sequence can include:
| Warning | Possible consequence |
|---|---|
| First | Warning recorded and affected profit may be deducted |
| Second | Reward split reduced by half |
| Third | Reward split reduced to 20% |
| Fourth | Account closure |
Warnings can be cumulative and may not reset after a reward. The exact threshold differs by model and reward cycle, so the live model article and dashboard should be checked before trading.
News Trading and Weekend Holding
FundingPips distinguishes between holding through news and purposely targeting restricted events. Its current documentation says purposeful news and speech trading is prohibited in both evaluation and Master phases.
During evaluation, traders can generally hold and manage positions through news. On Master Accounts, profits from trades opened or closed within the restricted window can be deducted:
- Five minutes before to five minutes after high-impact news
- Ten minutes before to ten minutes after a high-impact speech
- A swing-trader exception can apply to positions opened at least five hours earlier
The current temporary policy permits weekend holding during evaluation but does not allow it on the reviewed Master Account routes. Zero treats weekend holding as a hard breach. Traders should close or manage positions according to the exact model shown in the dashboard.
Platforms, Leverage and Trading Costs
FundingPips supports MT5, cTrader and Match-Trader in qualifying regions and configurations. The selected platform can affect add-ons, commissions and availability.
For 2 Step Standard, FundingPips publishes the following base structure:
| Instrument | Standard leverage | Standard commission |
|---|---|---|
| Forex | Up to 1:100 | $5 per lot |
| Metals | Up to 1:30 | $5 per lot |
| Indices | Up to 1:20 | No commission |
| Energies | Up to 1:10 | No commission |
| Crypto | 1:2 during evaluation; temporary 1:1 on Master | 0.04% formula |
A swap-free add-on is limited to MT5 and applies to Forex and metals. FundingPips also publishes temporary dynamic leverage on some Master Account instruments. Always confirm leverage and margin in the live platform before placing a trade.
Account Setup, KYC and Restrictions
FundingPips allows guest checkout. After purchase, the user verifies the email address, completes the account profile and receives credentials through the dashboard. Master Account access requires identity verification and review.
The current Help Center lists restrictions that include Iran, Vietnam and the United Arab Emirates, alongside sanctions-related restrictions. Country access can change, so traders should confirm availability before purchasing.
All FundingPips accounts covered by this review are simulated demo accounts. Fees provide access to an evaluation or simulated trading service; they are not deposits or investments.
Advantages
- Five models covering one-step, two-step and instant-style preferences.
- Static maximum loss on the main evaluation models.
- No fixed evaluation deadline beyond inactivity requirements.
- Several reward-cycle choices on 2 Step Standard.
- Account sizes ranging from $5K to $200K across the lineup.
- MT5, cTrader and Match-Trader availability in supported configurations.
- Code
AUDITprovides 20% off FundingPips plans.
Limitations and Trade-Offs
- Master Account rules are more complex than the challenge headline.
- Profit concentration can add recurring profitable-day requirements.
- Striking-system warnings can reduce rewards or close the account.
- On-demand and monthly splits carry consistency conditions.
- Zero uses trailing drawdown and strict open-risk limits.
- Current Master Account news and weekend rules are tighter than evaluation rules.
- Model terms changed several times during 2026, making older reviews unreliable.
- Exact prices and the final AUDIT discount should be verified at checkout.
Who Is FundingPips Best For?
FundingPips is best suited to traders who will compare the full rule set rather than choose only by price, profit target or maximum split.
- 2 Step Standard: traders who prefer familiar evaluation targets and flexible reward timing.
- 1 Step Flex: traders who want one phase and no minimum trading days.
- 2 Step Pro: traders comfortable with smaller targets and tighter loss limits.
- 2 Step Flex: traders looking for a wider static loss allowance and a two-phase structure.
- Zero: experienced traders who can operate under trailing drawdown, open-risk and profitable-day rules.
It is less suitable for traders who depend on concentrated one-trade profits, regularly trade directly around major news or prefer to hold Master Account positions over weekends.
Final Verdict
FundingPips has a broad model lineup and detailed published rules, but selecting the right account requires more than comparing challenge targets. The 2 Step Standard model provides the most balanced structure, 1 Step Flex offers the widest static drawdown, Pro uses smaller targets with tighter risk, and Zero removes the evaluation while adding the strictest ongoing controls.
Use FundingPips coupon code AUDIT for 20% off. Apply it before completing payment and confirm the reduced total on the checkout page.
Official Sources Checked
Trading Conditions
- Profit Split
- 60% to 100% by reward cycle; 95% bi-weekly on Zero
- Max Drawdown
- 5% trailing to 12% static, depending on model
- Daily Drawdown
- 3% to 5%, depending on model
- Profit Target
- 12% 1-Step Flex; 8%/5% Standard; 6%/6% Pro; none on Zero
- Payout Frequency
- On demand, weekly, bi-weekly or monthly, depending on model and selected cycle
- Platforms
- MT5, cTrader and Match-Trader, subject to program and country
- Instruments
- Forex, metals, energies, indices and crypto CFDs
Audit Points
- 1Coupon code AUDIT provides 20% off FundingPips plans; it must be applied before payment and verified in the checkout total.
- 2Current lineup: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and FundingPips Zero.
- 32 Step Standard uses 8%/5% targets, a 5% daily loss limit and a 10% static maximum loss.
- 41 Step Flex uses a 12% target, no minimum trading days, a 3% daily loss limit and a 12% static maximum loss.
- 52 Step Pro uses 6% targets in both phases, two minimum trading days per phase for new accounts, and 3%/6% loss limits.
- 6Zero has no evaluation, a 3% daily limit, 5% trailing maximum loss, 1% open-risk cap and seven qualifying profitable days per rolling 30 days.
- 7Reward splits range from 60% weekly to 100% monthly under different conditions; the highest split is not unconditional.
- 8Profit concentration and striking-system rules can add ongoing Master Account requirements.
- 9This document-based review was checked against FundingPips' published Help Center on 21 September 2026; it is not a first-hand payout test.
FundingPips — Frequently Asked Questions
Use FundingPips coupon code AUDIT for 20% off. Enter it before payment and confirm the discounted total at checkout.
Choose the FundingPips model and account size, continue to checkout, enter AUDIT in the coupon field, select Apply and verify that the order total decreases by 20% before paying.
Code AUDIT saves 20%. A $100 checkout price becomes $80, a $200 price becomes $160, and a $500 price becomes $400 before any taxes, conversion costs or payment fees.
No. FundingPips states that coupon codes must be applied before completing payment and cannot be added to an order afterwards.
FundingPips currently lists 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro and FundingPips Zero.
1 Step Flex uses a 12% target, 2 Step Standard uses 8% then 5%, 2 Step Pro uses 6% in both phases, and Zero has no evaluation target. Confirm the current 2 Step Flex targets at checkout.
Rules vary by model. Standard uses 5% daily and 10% static maximum loss; 1 Step Flex uses 3% daily and 12% static; Pro uses 3% daily and 6% static; Zero uses 3% daily and 5% trailing maximum loss.
1 Step Flex has no minimum trading days. Standard requires three per phase, and new 2 Step Pro accounts require two per phase. Zero requires seven profitable days within each rolling 30-day period.
The split depends on the model and reward cycle. Standard ranges from 60% weekly to 100% monthly under different conditions, 1 Step Flex lists 85% bi-weekly, Pro lists 80% weekly, and Zero lists 95% bi-weekly.
Evaluation accounts generally allow positions to be held and managed through news, but purposeful news trading is prohibited. Master Accounts use restricted windows around high-impact events and speeches, and affected profits can be deducted. Zero applies stricter hard-breach restrictions.
The current temporary policy allows weekend holding during evaluation but restricts it on reviewed Master Account routes. Zero prohibits weekend holding as a hard-breach rule.
No. FundingPips states that its accounts operate in a simulated demo environment and do not execute trades on live financial markets.