FXIFY vs FundingPips 2026: Which Forex Prop Firm Wins?

FXIFY and FundingPips are two of the most talked-about forex prop firms right now — and for good reason. Both offer competitive profit splits, multiple evaluation types, and strong payout track records. But they're built differently, target different trader types, and have some rules that will make one a much better fit than the other for your specific situation.

Comparing FundingPips vs FXIFY comes down to three core differences: platform choice, payout flexibility, and how strictly each firm monitors your funded account trading. This comparison covers every meaningful difference with accurate data pulled directly from both firms.

FXIFY: Overview

FXIFY is a UK-based forex prop firm offering seven distinct programs ranging from instant funding to Lightning, One Phase, Two Phase, and Three Phase challenges. The standout feature is its platform support — MT4, TradingView, and DXTrade are all available, making FXIFY one of the only prop firms where you can trade with Pine Script strategies natively.

Maximum account size reaches $400,000 — one of the highest single-account ceilings in the forex prop space. Profit splits go up to 100% on the Two Phase Classic program. With code GUIDE you get 30% off all evaluations.

FXIFY Pros & Cons

FundingPips: Overview

FundingPips is a UAE-based forex prop firm that has paid out over $110 million to more than 1 million traders worldwide — one of the strongest payout track records in the industry. Four programs cover instant funding through two-phase challenges, with profit splits from 80% up to 100% depending on your payout cycle.

The unique feature at FundingPips is its flexible payout system — on the 1-Step and 2-Step programs you choose your payout cycle (weekly at 60%, bi-weekly at 80%, on-demand at 90%, or monthly at 100%). One account, four payout options. Maximum total allocation reaches $300,000 across all accounts. Automatic 20% discount applied at checkout.

FundingPips Pros & Cons

Quick Comparison: FXIFY vs FundingPips

Head-to-Head: Key Categories

Platforms — The Most Decisive Factor

This is likely the first thing that determines your choice. The two firms don't share a single platform:

• FXIFY: MT4, TradingView, DXTrade
• FundingPips: MT5, cTrader, Match Trader

If you trade on TradingView — FXIFY is your only option between these two. See our best prop firms for TradingView for a wider comparison. The ability to use Pine Script strategies and trade directly from TradingView charts is genuinely rare in the forex prop firm space, and FXIFY is one of the few firms that supports it. If you use cTrader — FundingPips is your only option here. See our best prop firms for cTrader for the full list. For MT4 traders, FXIFY. For MT5 traders, FundingPips.

Payout Structure

FundingPips has one of the most flexible payout systems in the industry. On the 1-Step and 2-Step programs, you choose your payout cycle at the time of requesting:

• Weekly: 60% split
• Bi-weekly: 80% split
• On-demand: 90% split (requires 35% consistency score + 2% minimum)
• Monthly: 100% split

This flexibility means you can adapt your payout timing to your cash flow needs without being locked into one structure. FXIFY's payout cycles are program-specific — the Two Phase Classic offers 100% at 30 days, most others pay on-demand or bi-weekly at 90%.

Program Variety

FXIFY's 7 programs cover more ground than almost any other forex prop firm — from a $19 Instant Lite entry point up to a $400K Two Phase Classic with 100% split. The Lightning challenge is unique: a fast 5-day evaluation for traders who want to prove themselves quickly. The Three Phase program offers the most forgiving drawdown (5% static) for traders who want the most room.

FundingPips' 4 programs are simpler but well-designed. FundingPips Zero (instant, 95% split bi-weekly) is one of the best instant funding options available. The 2-Step Pro offers daily payouts in beta — a feature very few firms have launched.

Weekend Holding

FXIFY permits weekend holding on One Phase, Two Phase Standard, Two Phase Classic, Three Phase, and Lightning challenges. Only Instant Funding programs close positions at Friday's market close.

FundingPips has temporarily prohibited weekend holding on all funded accounts as of January 29, 2026. This is a significant rule change affecting swing traders who rely on holding through the weekend. Always verify the current status on FundingPips' website before starting an evaluation.

News Trading

FXIFY allows unrestricted news trading on One Phase, Two Phase Standard, Two Phase Classic, and Three Phase challenges. Only Instant Funding and Lightning have a 5-minute restriction window around high-impact news.

FundingPips restricts news trading on funded accounts — executing orders within 5 minutes before or after high-impact news events is prohibited, and any profits made in that window are voided. The evaluation stage has no restrictions.

Risk Per Trade Rule

FundingPips has a funded account rule limiting your maximum risk per trade idea. Understanding drawdown types is also essential before trading at either firm. 3% of initial account size for accounts under $50K, and 2% of initial account size for accounts at $50K and above. Splitting a trade into multiple smaller positions to circumvent this limit also counts as one trade idea.

FXIFY has no equivalent risk per trade rule. You manage your own position sizing within the daily and overall drawdown limits.

Pricing: 10K Account Comparison

Both firms are competitively priced. FXIFY's 30% off code GUIDE beats FundingPips' automatic 20% on most equivalent programs. FundingPips' 2-Step at $52.80 is cheaper than FXIFY's Two Phase at $62.30 for 10K accounts.

Track Record & Trust

FundingPips has paid out over $110 million to more than 1 million traders — one of the most impressive verified payout records in the forex prop space. Their 4.5 Trustpilot score reflects consistent trader satisfaction.

FXIFY has a solid 4.4 Trustpilot score and a strong community reputation. Both firms are legitimate, regulated, and have consistent payout histories — but FundingPips' scale of verified payouts gives them a slight edge on pure trust signals.

Overall Verdict

Who Should Choose Which Firm?

Choose FXIFY If You:

• Trade on TradingView or MT4 — FXIFY is one of very few prop firms supporting these
• Use Pine Script strategies or automated TradingView alerts
• Trade around news events and don't want any restrictions
• Hold trades over the weekend
• Run EAs and want them permitted on funded accounts
• Want more program variety to match your exact risk tolerance
• Want a single account up to $400K — or plan to run multiple accounts at scale

Choose FundingPips If You:

• Trade on cTrader or MT5
• Want maximum flexibility on payout timing — choose weekly, bi-weekly, on-demand, or monthly
• Value the strongest verified payout track record in the industry
• Don't hold positions over the weekend
• Want instant funding with a high split (FundingPips Zero at 95%)
• Are comfortable with the risk per trade rule on funded accounts

Frequently Asked Questions

Is FXIFY legit?

Yes, FXIFY is a legitimate UK-based forex prop firm with a 4.4 Trustpilot rating and a strong payout history. They support TradingView, MT4, and DXTrade across seven different evaluation programs. Read our full FXIFY review for a complete breakdown of all programs and rules.

Is FundingPips legit?

Yes — FundingPips has paid over $110 million to more than 1 million traders, giving them one of the strongest verified payout records in the forex prop industry. Their 4.5 Trustpilot score is among the highest in the space. Read our full FundingPips review for complete program details.

Which is better — FXIFY or FundingPips?

It depends on your trading setup. FXIFY is better for TradingView and MT4 traders, news traders, and swing traders who hold over the weekend. FundingPips is better for cTrader and MT5 traders who want maximum payout flexibility backed by the industry's strongest payout track record. Neither firm is objectively superior — your platform preference usually decides it.

Does FundingPips allow weekend holding?

As of January 29, 2026, FundingPips has temporarily prohibited weekend holding on all funded accounts. Open positions are automatically closed at Friday's market close. This is described as a temporary measure — always verify current rules on FundingPips' website before starting an evaluation if weekend holding is part of your strategy.

Does FXIFY support TradingView?

Yes — FXIFY is one of the very few forex prop firms offering native TradingView support, including Pine Script strategy execution. This makes FXIFY the go-to choice for traders who build and run their strategies on TradingView rather than MetaTrader platforms.

What is the maximum profit split at FXIFY and FundingPips?

Both firms offer up to 100% profit split, but through different mechanisms. FXIFY's Two Phase Classic pays 100% after 30 days. FundingPips' 1-Step and 2-Step programs offer 100% on the monthly payout cycle. FundingPips Zero offers 95% on a bi-weekly cycle.

Can I use EAs at FXIFY and FundingPips?

At FXIFY, EAs are permitted on One Phase, Two Phase Standard, Two Phase Classic, and Three Phase challenges — but prohibited on Instant Funding programs. At FundingPips, only risk management and trade management EAs are permitted. Any other third-party EA is not allowed. If you rely heavily on EAs, FXIFY offers more flexibility.