FundingPips rules (2026): every plan, side by side

FundingPips sells 5 plans: 1 Step Flex, 2 Step, 2 Step Flex, 2 Step Pro and Zero. Each has its own targets, loss limits and payout cycles. The news, weekend and EA rules on this page cover every plan, with the differences between them. Every rule on this page comes from FundingPips' own help centre, last checked on 17 October 2026.

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FundingPips rules at a glance

The headline rules of every FundingPips plan. The plan sections below give each one in full, with the conditions behind every payout cycle.

FundingPips news trading rules

FundingPips weekend and overnight holding rules

FundingPips EA and trading bot rules

FundingPips consistency rules

FundingPips rules plan by plan

FundingPips 1 Step Flex rules

12% profit target (single phase), 2% or 3% daily loss (chosen at purchase), 12% max loss, NO minimum trading days, no time limit, bi-weekly rewards at 80%, NO Consistency Score on that cycle. Since 15 Aug 2026 a Monthly 100% cycle is also offered on accounts purchased from that date - it is the only 1 Step Flex cycle with a consistency score (35% best-day cap + 7 profitable days of >=0.5%). Bi-weekly eligibility: profit of at least 1% of the account size, no profitable-day requirement. The Profit Concentration Policy (one trade idea worth over 60% of the target means 4 profitable days of >=0.5% before each reward) is legacy only: it covers accounts bought 27 Jun - 27 Sep 2026 and is not in the rules for purchases or resets from 28 Sep 2026. On the Monthly cycle a 1% Striking System steps the reward split down before closure (on every cycle only for accounts bought before 28 Sep 2026).

Account sizes $5K to $100K; the $5K costs $74 ($59.20 with FHFUNDED). Every 1 Step Flex price with FHFUNDED →

FundingPips 2 Step rules

8% Phase 1 / 5% Phase 2, 5% daily loss (or 3% if chosen at purchase), 10% max loss, min 3 trading days per phase (none with the 3% daily loss option), no time limit, 1:100. Three reward cycles: Weekly 60% / Bi-Weekly 80% / Monthly 100%, chosen once when the account reaches Master and fixed after that, with a minimum request of 1% of the account size. Weekly and bi-weekly carry no consistency rule; Monthly 100% (accounts purchased 15 Aug 2026 onwards) adds a 35% consistency score AND 7 profitable days, and puts the account under the Striking System. The original fee is refunded with the 4th reward (2 Step only). Accounts bought before 28 Sep 2026 keep the old On Demand 90% cycle (35% best-day cap, 2% minimum request). EA allowed, no HFT.

Account sizes $5K to $100K; the $5K costs $44 ($35.20 with FHFUNDED). Every 2 Step price with FHFUNDED →

FundingPips 2 Step Flex rules

10% Phase 1 / 8% Phase 2, 4% daily loss, 12% max loss, no time limit. Split chosen at purchase and LOCKED: 80% (1 minimum trading day per phase) or 95% (3 profitable days of >=0.5% per phase and per reward cycle). Bi-weekly cycle, NO Consistency Score on either split - but a Monthly 100% cycle is available on accounts purchased 15 Aug 2026 onwards and that one does carry a 35% consistency score plus 7 profitable days. The Profit Concentration Policy ($25K and above) only applies to accounts bought before 28 Sep 2026.

Account sizes $5K to $100K; the $5K costs $39 ($31.20 with FHFUNDED). Every 2 Step Flex price with FHFUNDED →

FundingPips 2 Step Pro rules

6% each phase, 3% daily loss, 6% max loss, no minimum trading days, 1:100 on Forex. Rewards: WEEKLY cycle at 80%, available 7 days after your first executed trade on the Master Account, or a Monthly 100% cycle on accounts purchased 15 Aug 2026 onwards (35% consistency score + 7 profitable days). On the Monthly cycle a 1% Striking System applies at every account size; the Weekly 80% cycle has none.

Account sizes $5K to $200K; the $5K costs $33 ($26.40 with FHFUNDED). Every 2 Step Pro price with FHFUNDED →

FundingPips Zero rules

No evaluation. 3% daily loss, 5% Max Trailing Loss Limit (locks at breakeven once 5% in profit), 1% Max Open Risk Limit on losing open positions (floating profit on one trade does not offset a loss on another), risk per trade idea 3% below $50K / 2% at $50K and above. News and weekend trading are hard breaches, and so is missing 7 profitable days (net closed profit of 0.25%+ of the account each) in any rolling 30-day period. Bi-weekly 95% rewards also need the 3% safety cushion, a 15% consistency score and a biggest-loss-under-biggest-win check. No Monthly 100% cycle on Zero. Re-confirmed 2026-10-17 (article updated 28 Sep 2026).

Account sizes $5K to $200K; the $5K costs $60 ($48 with FHFUNDED). Every Zero price with FHFUNDED →

FundingPips rules that catch traders out

The details below are in FundingPips' own rules but easy to miss on its marketing pages.

• Only Zero is trailing — the firm calls it a "Max Trailing Loss Limit" (5%); the evaluation models quote a flat max loss.
• No Consistency Score on the bi-weekly cycles of 1 Step Flex or 2 Step Flex, and none on 2 Step's weekly/bi-weekly cycles - but the Monthly 100% cycle (accounts purchased from 15 Aug 2026) carries a 35% consistency score plus 7 profitable days of 0.5%+ on EVERY evaluation model. 2 Step's On Demand 90% (35% cap, 2% minimum request) survives only on accounts bought before 28 Sep 2026.
• On the Monthly 100% cycle of all four evaluation models a 1% Striking System counts a warning each time one trade idea's closed plus floating loss reaches 1% of the account: the 2nd warning halves your split, the 3rd cuts it to 20%, the 4th closes the account, warnings never reset, and profit from warned trade ideas is deducted (1 Step Flex accounts bought before 28 Sep 2026 have it on every cycle).
• 1 Step Flex: the Profit Concentration Policy — one trade idea worth over 60% of the target adds 4 profitable days to your reward gate — only applies to accounts bought before 28 Sep 2026.
• 2 Step Flex: the 80%/95% split is chosen at purchase and LOCKED — you cannot switch later.
• Zero: missing 7 profitable days (0.25%+ of the account each) in any rolling 30-day window closes the account; Zero also has a 15% consistency score, a 1% max open risk limit on losing open positions, a news ban and an outright weekend ban.
• Prime Account: by FundingPips' invitation only, based on trading performance. Your profit after the split x12.5 sets the Prime size, up to $2M, with daily 80% rewards; MT5 only, not open to US clients, and every Evaluation and Master account closes when Prime opens.
• Free Trial is 14 days on 2 Step or 2 Step Pro at any account size - real evaluation rules and the same loss limits, no card and no purchase, MT5 only (server FundingPips-Trial). Profits are not withdrawable, a breach closes the trial immediately, and you can only hold one trial at a time.
• Inactivity: 30 days without a trade is a hard breach on every model.
• Listed prices are the MT5/Match-Trader base — the firm's own configurator adds $20 for cTrader and $5 for TradeLocker on every purchase.
• 2 Step Flex 95% split: the 3-profitable-day counter RESETS after every reward (configurator cycle description).
• $200K accounts exist only on 2 Step Pro ($919) and Zero ($888) — the other models top out at $100K.
• Monthly 100% reward cycle (15 Aug 2026 onwards, accounts purchased from that date) is offered on all four evaluation models but NOT on Zero - it pays the highest split and carries the strictest gate: 35% consistency plus 7 profitable days, both resetting after every reward.
• Swap-free is a paid add-on (+10%): on 1 Step Flex, 2 Step, 2 Step Flex and 2 Step Pro it is offered on MT5, cTrader and Match-Trader, on Zero on MT5 only. It removes swaps on Forex and Metals only (Energies, Indices and Crypto still pay them), costs $10/lot commission on Forex and Metals instead of $5 ($7 on Zero), and comes with the lower Swing leverage.
• Resets are discounted, not free: on 1 Step Flex, 2 Step, 2 Step Flex and 2 Step Pro it is 12% off in Phase 1, 10% in Phase 2 and 7% on the Master Account (cut on 8 Oct 2026 from up to 20% / 12% / 8%), Zero is 20% off at every size - the window is only 7 calendar days from the breach, and every reset restarts at Phase 1.
• Daily loss baseline is the higher of your opening balance or opening equity, and it resets at 00:00 Platform Time (UTC+3), not at your local midnight.
• Master Accounts run a temporary dynamic leverage on Metals, Energies and Indices, in force since 16 March 2026 with no end date: from 1:50 on the first 0.05 lots down to 1:5 above 0.50 lots, applied band by band. Crypto also drops from 1:2 to 1:1 on Master.
• FundingPips Labs (fundingpips.com/labs) sells limited-release experiments outside the main lineup. On 17 Oct 2026 one was live: 1 Step Experiment 001, a $100K one-step for $99 with a 5% target, a 1% daily loss, a 3% max loss, an 85% split and daily rewards. It is not in our price tables.
• The reward cycle is chosen once, when the account reaches Master ('Set Reward Cycle' on the dashboard), and cannot be changed later.
• Before a reward request the account must be flat - pending orders included - for at least 15 minutes, and trading is disabled while the reward is processed.
• The original fee is refunded with the 4th reward on a 2 Step Master Account only - not on 1 Step Flex, 2 Step Flex, 2 Step Pro or Zero.
• One cap of $400K applies across all your active Evaluation and Master accounts on every model (Monthly Competition accounts do not count).
• Hard limits per order: 20 lots per click on every instrument, and 1 lot per click on crypto.
• The cheaper daily-loss options cost less than the prices we list: 1 Step Flex with a 2% daily loss is $52/$77/$192/$269/$529 (instead of $74/$111/$255/$353/$666 with 3%), and 2 Step with a 3% daily loss is $36/$66/$177/$288/$544 (instead of $44/$80/$216/$349/$652 with 5%), for $5K to $100K.
• FundingPips' forbidden strategies include hedging, HFT, tick scalping, gap trading, latency and reverse arbitrage, server spamming and opposite-account trading; copying between your own FundingPips accounts is allowed, copying between different users' accounts is not.
• Accounts bought before 28 Sep 2026 follow FundingPips' Legacy Rules, which differ on some splits, minimum trading days, the news speech window and the Striking System.

Frequently asked questions

Where these rules come from

We read FundingPips' rules from its own help centre and site and re-check them when the firm changes them; the last full check was on 17 October 2026. If a rule here and FundingPips' current terms ever differ, FundingPips' terms apply.

• FundingPips help centre: 1 Step Flex
• FundingPips help centre: 2 Step
• FundingPips help centre: 2 Step Flex
• FundingPips help centre: 2 Step Pro
• FundingPips help centre: Zero