Funding Pips Pricing Explained: All Plans, Costs & Fees (2026)

Funding Pips Pricing Overview

Funding Pips offers one of the most competitive entry points in the prop trading industry, with funded account challenges starting at just $29 per month. The Dubai-based proprietary firm (Ankh Prop – FZCO) provides five distinct funding programs designed to serve traders at different experience levels and capital requirements, ranging from $5,000 account sizes to $100,000+ instant funding options. With over 43,000 verified reviews on Trustpilot and a 4.5/5 rating, Funding Pips has built a reputation for transparent pricing and fair profit-sharing arrangements—some as high as 100%.

Unlike many competitors that hide fees behind promotional pricing or complex tier structures, Funding Pips publishes straightforward monthly costs. However, the true value proposition extends beyond the initial challenge fee: traders must understand what each plan includes, what additional costs apply, and whether the profit split justifies the entry investment.

All Funding Pips Plans Compared

Funding Pips operates a tiered funding model based on account size and evaluation speed. Here's the complete breakdown:

Plan Name	Account Size	Monthly Cost	Evaluation Type	Profit Split
2-Step Pro	$5,000	$29/mo	2-Step (most stringent)	Up to 90%
2-Step Standard ($5K)	$5,000	$36/mo	2-Step (standard)	Up to 90%
2-Step Standard ($50K)	$50,000	$289/mo	2-Step (standard)	Up to 90%
1-Step	$5,000	$59/mo	1-Step (faster evaluation)	Up to 90%
Zero (Instant Funding)	$100,000	$555/mo	No evaluation (instant)	95% split

The 2-Step Pro ($29/mo): This is Funding Pips' most aggressive entry point. You pay $29 monthly to attempt a two-step challenge on a $5,000 account. The pro version enforces stricter rules—think larger drawdown limits or faster win requirements—making it ideal for confident traders who want to prove themselves thoroughly before accessing live capital.

The 2-Step Standard ($36/mo for $5K): A middle ground in the evaluation process. Slightly more lenient requirements than the Pro tier, making it accessible to intermediate traders. The $6 monthly difference between Pro and Standard is negligible, so most traders opt for Standard unless they're specifically looking for a harder challenge.

The 2-Step Standard for Larger Accounts ($289/mo for $50K): Jumps significantly in cost but unlocks 10x the trading capital. At approximately 6 cents per $1,000 of account size monthly, this plan is designed for established traders ready to scale. The proportional cost-to-capital ratio is competitive.

The 1-Step Challenge ($59/mo): Accelerates the evaluation timeline to a single phase. If you're confident in your strategy, this cuts evaluation time in half, letting you reach funded status faster. The $59 entry is a reasonable premium over 2-Step for traders seeking speed.

Zero / Instant Funding ($555/mo for $100K): The premium product. At $555 monthly, you skip the challenge entirely and receive $100,000 in instant trading capital with a generous 95% profit split. This is positioned for professional traders with audited track records or institutional backing who can justify the higher fee through higher trading volume.

Free Plan / Free Trial

Funding Pips does not offer a free tier or free trial. There is no way to access the platform, test the interface, or verify your strategy without paying the monthly subscription fee upfront.

However, this isn't necessarily a dealbreaker. The $29 entry point is low enough that it functions as a "paid trial" for budget-conscious traders. If you trade for a month, the cost is under $1 per trading day (assuming ~20-22 trading days per month), making it cheaper than a single coffee. For serious traders, this is negligible.

Alternatively, traders new to Funding Pips can practice on paper trading accounts or similar platforms before enrolling, though paper trading doesn't replicate the psychological pressure of real money. Funding Pips explicitly mentions paper trading as a key feature, so the platform accommodates educational traders before they commit financially.

Hidden Costs and Fees

While Funding Pips' published pricing is straightforward, several hidden or ancillary costs can accumulate:

• cTrader Premium Surcharge ($20): If you prefer trading on the advanced cTrader platform instead of the standard interface, expect an additional $20 monthly fee. This is substantial for budget traders—effectively a 69% increase on the base $29 Pro tier.
• Profit Payout Fees: While not explicitly stated in the pricing data, most prop firms charge withdrawal fees (typically 1-2% or a flat $25-50). Funding Pips' affiliate program mentions "multiple payout frequencies," suggesting faster withdrawals may incur premiums. Confirm current withdrawal terms before enrolling.
• Performance Analytics Premium: Listed as a key feature, but unclear if basic analytics are included or if advanced performance dashboards require upgrade. Typically, prop firms bundle this with funded accounts, but clarify with support.
• Leverage / Margin Costs: Funding Pips doesn't transparently publish margin interest rates if you use leverage beyond the standard allocation. Forex trading at scale often requires leverage, so understand this before assuming your monthly fee covers unlimited leverage.
• Rejected Challenge Restarts: If you fail the evaluation challenge, you may need to restart (paying another monthly subscription) or may have limited free restart windows. Confirm the restart policy—some firms offer one free retry, others charge per attempt.

Funding Pips Pricing vs Competitors

To contextualize Funding Pips' pricing, here's how it compares to two major competitors in the prop trading space:

Firm	Entry Price ($5K Account)	Max Profit Split	Evaluation Model
Funding Pips	$29/mo	90-95%	2-Step, 1-Step, Instant
Prop Firm A (approx.)	$49-79/mo	80-85%	2-Step only
Prop Firm B (approx.)	$35-69/mo	75-90%	2-Step, 1-Step

Verdict: Funding Pips is positioned in the budget-friendly segment. At $29/mo, it undercuts most competitors by 40-60%, making it the cheapest entry point for traders testing the prop trading waters. The 95% split on the Zero program also leads the industry—most competitors cap at 80-90%.

However, the lower base price may reflect:

• Smaller initial account sizes ($5K vs. competitors' $10-25K minimums)
• Stricter evaluation rules (especially the Pro tier)
• Limited markets (no stocks, options, or futures vs. some competitors offering broader instruments)

For forex-focused traders prioritizing affordability and generous splits, Funding Pips wins. For traders needing stock or options access, competitors may be better despite higher costs.

Is Funding Pips Worth the Price?

For Beginner-to-Intermediate Forex Traders: Yes. The $29 entry is virtually risk-free. Even if you fail the challenge, you've lost less than a fast-food meal. The 4.5/5 Trustpilot rating from 43,000+ traders suggests a legitimate, reliable operation. This is the ideal entry point to test whether prop trading suits your psychology and strategy.

For Scale-Focused Traders: The math becomes more complex. On the $50K account at $289/mo, you're paying approximately $3,468 annually. If you generate 5% monthly returns, that's $2,500/month in trading income—meaning the platform costs consume ~11-12% of gross profit. At 90% split, you're netting $2,250/month after Funding Pips' cut, making the $289 fee justifiable.

For Instant Funding Seekers: The Zero program at $555/mo works if and only if you can prove a consistent track record. Paying this without a proven edge is wasteful. With proof, the 95% split and $100K capital unlock professional-level trading at a reasonable cost.

When You Should Upgrade: Move from 2-Step to 1-Step ($59/mo) if passing the evaluation consistently—the $30 premium pays for itself in speed. Jump to larger accounts ($50K+) once you've consistently profited on smaller sizes and are ready to scale.

How to Save on Funding Pips

Funding Pips' pricing is already aggressive, but several strategies can reduce costs:

• Affiliate Commissions: Funding Pips automatically enrolls traders in an affiliate program with up to 10% commission on referrals. Referring just 10 traders at the $29 tier generates enough commission to cover your challenge fee indefinitely. This is a significant hidden savings mechanism.
• Seasonal Promotions: Like most prop firms, Funding Pips runs periodic discounts (typically 20-30% off first month) during slow trading periods. Monitor their email list or social channels for limited-time offers.
• Bundle Restarts: Some prop firms offer discounted restart bundles (e.g., 3 challenges for the price of 2). Inquire whether Funding Pips provides this, especially if you've failed once and plan multiple attempts.
• Avoid cTrader Premium ($20/mo): Unless you specifically need cTrader's advanced tools, stick with the standard platform. The $20 monthly cost is excessive for most traders and isn't justified by features available elsewhere free.
• Leverage the Paper Trading Feature: Before paying for a live challenge, exhaust the free paper trading account to validate your strategy. This costs nothing and prevents expensive failed challenges born from untested systems.
• Annual vs. Monthly: Funding Pips' pricing page doesn't advertise annual billing discounts, but contact support—many prop firms offer 10-20% discounts for yearly prepayment.

The most underrated savings mechanism is the affiliate program. A trader who refers 5-10 peers effectively trades for free while building a personal network.

Final Verdict: Funding Pips offers exceptional value for budget traders and forex specialists. At $29/mo, the barrier to entry is nearly eliminated. The 4.5/5 Trustpilot rating, transparent pricing, and 95% profit splits position it as one of the market's fairest prop firms. Hidden costs (cTrader, withdrawal fees) and market limitations (no stocks/futures) are modest drawbacks that don't outweigh the competitive pricing structure. For traders serious about prop trading, this is a legitimate starting point worth the small investment.