Funding Pips Rules Explained: Drawdown, Profit Targets & Time Limits (2026)
Every Funding Pips rule explained in plain language — drawdown limits, profit targets, trading restrictions, and payout terms.
Funding Pips Rules Overview
Funding Pips is a Dubai-based proprietary trading firm (operated by Ankh Prop – FZCO) offering three distinct funding models: a 2-Step Challenge (traditional evaluation route), a 1-Step Fast Track program (single evaluation phase), and a Zero (Instant Funding) program that bypasses evaluation entirely. The firm specializes in forex, crypto, indices, metals, and energies trading, making it accessible to traders of all experience levels seeking capital without strict barriers to entry.
Funding Pips has distributed over $200M in total payouts to funded traders and maintains a strong 4.3/5 rating on TradingToolsHub with 43,000+ verified Trustpilot reviews. The firm operates on a profit-sharing model rather than a fixed salary structure, meaning traders earn by keeping a percentage of the profits they generate.
Account Types and Pricing
Funding Pips offers six core account packages across three funding models:
| Program | Starting Capital | Monthly Fee | Evaluation Model |
|---|---|---|---|
| 2-Step Pro | $5,000 | $29 | 2-phase evaluation |
| 2-Step Standard | $5,000 | $36 | 2-phase evaluation |
| 2-Step Standard | $50,000 | $289 | 2-phase evaluation |
| 1-Step Fast Track | $5,000 | $59 | Single phase evaluation |
| Zero (Instant Funding) | $100,000 | $555 | No evaluation required |
Platform Surcharge: If you trade via cTrader, an additional $20 monthly surcharge applies regardless of account tier.
The 2-Step Pro $5K package at $29/month represents Funding Pips' most affordable entry point, making it competitive for traders testing the prop firm ecosystem. The Zero program eliminates evaluation requirements but requires a $100,000 starting capital commitment and a higher monthly fee.
Profit Targets
Profit targets vary by funding model and are designed to assess trader competency and risk management.
- 2-Step Challenge: Phase 1 and Phase 2 each have specific profit targets that must be achieved. The exact percentage targets are not publicly detailed in standard marketing materials, but typically range from 8-10% of account balance, though traders should verify on the official Funding Pips dashboard.
- 1-Step Fast Track: A single profit target threshold must be met in one evaluation phase.
- Zero (Instant Funding): No profit target is required — traders receive immediate funding without passing an evaluation phase.
Profit Calculation: Targets are calculated as a percentage of your starting account balance. For example, if your 2-Step Pro account has a $5,000 balance, the profit target would be a specific percentage of that $5,000 (exact percentages should be confirmed in your account terms upon signup).
Monthly fees continue to accrue during the evaluation phase regardless of whether you hit your target immediately or trade throughout the month.
Drawdown Rules
Drawdown limits define the maximum loss you can incur before your account is closed and evaluation is failed. Funding Pips enforces both daily and trailing maximum drawdown rules.
- Daily Drawdown Limit: A specified maximum loss allowed in a single trading day. Once this is exceeded, trading is halted for that day.
- Maximum Trailing Drawdown: The largest peak-to-trough decline from your account's highest balance during the evaluation period. This prevents excessive cumulative losses across multiple days.
- Static vs. Trailing: Funding Pips uses a trailing drawdown model, meaning your maximum drawdown resets if you reach a new account equity high.
Note: Specific drawdown percentages (e.g., 5% daily, 10% trailing) are not prominently detailed in public promotional materials. Traders must review the full terms of service or check their account dashboard upon registration to confirm exact drawdown thresholds for their chosen package. This is critical information to understand before trading.
Reset Conditions: Trailing drawdown resets when you achieve a new peak balance, incentivizing traders to lock in profits and manage risk progressively.
Trading Restrictions
Funding Pips enforces several trading restrictions to ensure account stability and align trader behavior with risk management principles:
- Available Instruments: Approximately 48 tradeable instruments including forex pairs, cryptocurrencies, indices, metals, and energies. Notably excluded: individual stocks, options, and futures contracts.
- Automated Trading: Permitted — Expert Advisors (EAs) and algorithmic trading are allowed, enabling scalping and high-frequency strategies.
- Copy Trading: Policy status on copy trading mirrors should be confirmed in the terms of service, as some prop firms restrict this.
- News Trading: Restrictions during high-impact economic releases are typical but not explicitly detailed in basic marketing. Traders should clarify this before major economic events.
- Lot Size Limits: Not prominently disclosed in standard materials — likely based on account balance (e.g., max lot size as a percentage of account). Confirm on your platform.
- Weekend Holding: No explicit prohibition mentioned; traders can typically hold positions over weekends, but overnight risk applies.
- Time Restrictions: No specific trading hours cutoff mentioned for Funding Pips, suggesting 24/5 forex trading access.
Key Gap: Specific lot size limits, news trading blackout windows, and copy trading policies should be reviewed in the official terms before trading live.
Profit Split and Payouts
Once you pass evaluation and become a funded trader, Funding Pips shares profits with you based on your tier:
- Standard Profit Split: Up to 80% of profits go to the trader, with the firm retaining 20% for risk management and operational costs.
- Zero Program: Enhanced split of 95% to trader / 5% to firm — a significant advantage for traders who can afford the $100K account and $555/month fee.
- Promotional Splits: Funding Pips occasionally runs promotions offering up to 100% profit splits for limited periods, as referenced in marketing materials.
Payout Frequency: Profits can typically be withdrawn monthly, though some prop firms offer more flexible schedules. Confirm exact payout dates on your account dashboard.
- Minimum Withdrawal Amount: Typically $50–$100, though exact minimums are not publicly stated. Check your account terms.
- Processing Time: Withdrawals typically process within 5–10 business days to your bank account (standard for prop firms).
- Payment Methods: Usually bank transfer; some firms accept crypto withdrawals. Verify available options.
Monthly Fee Impact: Your $29–$555 monthly fee is deducted from your account balance and does not count as a loss toward your drawdown limit, making it a fixed operational cost distinct from trading losses.
Scaling Plan
Funding Pips offers account scaling opportunities for successful traders:
- Scaling Mechanism: Once you demonstrate profitability, you can request account increases to higher capital tiers (e.g., from $5K to $25K, $50K, or $100K accounts).
- Scaling Requirements: Typically, you must maintain positive performance over a defined period (e.g., 30–60 days) and meet specific consistency metrics. Exact requirements are not publicly detailed.
- Timeline: Scaling requests are usually processed within 1–2 weeks, though this is not formally guaranteed.
- Additional Costs: Each scaled account carries its own monthly fee (e.g., upgrading to the $50K tier costs $289/month instead of $29).
- Unlimited Scaling: Some prop firms cap scaling; Funding Pips' maximum scaling tier is not publicly specified, suggesting potentially unlimited growth for high performers.
Affiliate Opportunity: Funding Pips offers an automatic affiliate program with up to 10% commission on referred trader fees, creating additional income for successful marketers or traders with networks.
Funding Pips Rules vs. Competitors
How does Funding Pips stack up against the broader prop firm landscape? Here's a comparison with key competitors:
| Rule Category | Funding Pips | Competitor A (e.g., FTMO) | Competitor B (e.g., The Funded Trader) |
|---|---|---|---|
| Cheapest Entry | $29/mo ($5K) | $165/mo ($6K) | $99/mo ($5K) |
| Drawdown (Trailing) | Not publicly disclosed | 10% | 12% |
| Base Profit Split | 80% (up to 100% promo) | 80% | 75% |
| Instant Funding Option | Yes (Zero, no evaluation) | No | No |
| Available Instruments | ~48 (no stocks/options) | Forex, indices, commodities | Forex, CFDs, crypto |
| EAs/Automated Trading | Permitted | Permitted | Permitted |
| Payout Frequency | Monthly | Monthly | Monthly |
Funding Pips Advantages: Most aggressive entry pricing ($29/month), unique no-evaluation "Zero" option, and willingness to offer promotional 100% profit splits. The firm is newer (founded 2022) and may be more aggressive on terms to capture market share.
Funding Pips Disadvantages: Drawdown rules are not transparently disclosed upfront (unlike FTMO's publicly stated 10%), limiting transparency before signup. The firm also lacks individual stock and options trading, restricting equity traders.
Red Flags and Fine Print
Before opening a Funding Pips account, traders should be aware of these potential concerns:
- Undisclosed Drawdown Rules: The specific daily and trailing drawdown percentages are not prominently displayed on the marketing site. This is unusual compared to competitors and suggests you must agree to terms before seeing exact rules. Always request detailed T&Cs before paying the account fee.
- Limited Instrument Universe: With only ~48 instruments and no stocks/options/futures, equity and options traders will find this platform unsuitable. The restriction is intentional (lower operational risk for the firm) but limits trading flexibility.
- cTrader Surcharge: An additional $20/month for cTrader access is unusual and not disclosed in headline pricing. If cTrader is your preferred platform, the true cost is significantly higher than advertised.
- No Standalone Mobile App: The firm relies on third-party platform clients (MT4/MT5/cTrader mobile), meaning you're dependent on broker infrastructure. Some traders prefer proprietary apps with platform-specific features.
- Mid-Tier Pricing Opacity: The $50K account tier jumps to $289/month, but promotional discounts may apply. The lack of transparency on regular vs. promotional pricing creates uncertainty.
- Monthly Fee Deduction: Confirm whether monthly fees are deducted before or after profit calculations, and whether they count toward drawdown violations. Most firms deduct fees as a separate operational cost, but clarity is essential.
- Evaluation Phase Fees: Traders continue paying $29–$59/month during the evaluation phase. If you fail phase 1 or 2, the fee is not refunded. Budget accordingly.
- Profit Target Ambiguity: Exact profit targets for each tier are not listed in marketing materials. You'll see them only after signup and payment, which is a risk if targets are unrealistic for your trading style.
- Newer Firm (2022): While Funding Pips has $200M+ in payouts, the firm is relatively young compared to FTMO (2015) or other established names. New firms carry more operational risk, though Trustpilot reviews are strong (4.3/5).
Regulatory Note: Funding Pips operates from Dubai (IFZA Business Park) under Ankh Prop – FZCO. The firm is not regulated by the FCA, CFTC, or other major financial authorities. Traders in restricted jurisdictions should verify their legal ability to use prop firms operating outside their home country's regulatory framework.
📋 Bottom Line: Funding Pips offers aggressive pricing and unique instant-funding options but lacks transparency on critical rules like drawdown limits and exact profit targets. This is best for traders comfortable signing up before seeing full T&Cs and those seeking the lowest entry cost into a 2-step challenge. For traders prioritizing transparency and established reputation, FTMO or similar competitors may offer more peace of mind.
Last Updated: April 2, 2026 | Source: TradingToolsHub Funding Pips Profile | View Full Reviews | Compare All Prop Firms
