Choosing between FTMO and FundingPips is one of the most common decisions forex traders face in 2026. Both are established, reputable prop firms—but they're built for different trading styles.
This FTMO vs FundingPips comparison covers everything: pricing, profit splits, payout options, and rules. By the end, you'll know exactly which one fits your trading. Before you start, use our Forex Calculator to plan your position sizing and risk on either firm.
💡 Quick Answer: Choose FTMO for simplicity—no consistency rules, 80-90% split, industry trust. Choose FundingPips for flexibility—up to 100% profit split, cheaper evaluations, more payout options.
Quick Comparison: FTMO vs FundingPips
| Feature | FTMO | FundingPips |
|---|---|---|
| Profit Split | 80-90% | Up to 100% |
| Payout Frequency | Every 14 days | Tuesday / Bi-weekly / On-Demand / Monthly |
| 100K Price | €439 (~$475) | From $319 |
| Challenge Types | 2-Step only | 1-Step, 2-Step, Instant |
| Consistency Rule | None | Optional (plan dependent) |
| Platforms | cTrader, DXTrade, MT4, MT5 | cTrader, Match Trader, MT5 |
| Daily Loss | 5% | 3-5% (varies) |
| Max Loss | 10% | 6-10% (varies) |
| Trustpilot | 4.6 ⭐ (174 reviews) | 4.3 ⭐ (904 reviews) |
FTMO: Overview
FTMO is the gold standard in forex prop trading. Operating since 2015, they've paid out over $200 million to traders. When people think "prop firm," FTMO is usually the first name.
Their model is simple: pass a 2-step challenge, get funded, keep 80% of profits (scaling to 90% via their scaling plan). No complexity, no hidden rules.
FTMO Pros & Cons
✅ Pros
- Most trusted name in prop trading
- No consistency rule
- MT4 platform available
- Simple, straightforward rules
- 14-day payout cycle
- 10+ years of proven payouts
⚠️ Cons
- Starts at 80% profit split (90% with scaling plan)
- Higher price (€439 for 100K)
- Only 2-step challenge
- No instant funding option
FundingPips: Overview
FundingPips has quickly become a favorite for traders wanting more options. They offer multiple challenge types, flexible payouts, and up to 100% profit split.
With 904 Trustpilot reviews and a 4.3 rating, they've proven themselves legitimate.
FundingPips Pros & Cons
✅ Pros
- Up to 100% profit split
- Cheaper evaluations (from $319)
- 1-step, 2-step, and instant funding
- Flexible payout options
- On-demand payouts available
- Daily payouts on some plans
⚠️ Cons
- Consistency rules on some plans
- No MT4 support
- More complex rule structure
- Newer than FTMO
💡 Pro Tip: Use code 4076B625 for a discount on FundingPips. Check our deals page for all current discounts.
Detailed Comparison
Profit Split
- FTMO: 80% (scales to 90% via scaling plan)
- FundingPips: 60% to 100% depending on payout frequency
FundingPips payout structure:
- Tuesday payouts = 60% split
- Bi-weekly = 80% split
- On-demand = 90% split (requires 35% consistency score)
- Zero accounts = 95% split
- Monthly = 100% split
🏆 Winner: FundingPips
Up to 100% profit split beats FTMO's 80-90% range.
Pricing
For a 100K account:
- FTMO: €439 (~$475)
- FundingPips: From $319
🏆 Winner: FundingPips
$319 vs $475—saves you over $150.
Payout Speed
- FTMO: Every 14 days
- FundingPips: Tuesday, bi-weekly, on-demand, or monthly (your choice)
🤝 Tie
FundingPips has more options; FTMO is simpler.
Consistency Rules
- FTMO: No consistency rule
- FundingPips: Depends on plan
FundingPips consistency rules:
- FundingPips Zero: 15% max winning day, 15% consistency score required
- Pro (Evaluation): Optional 35% consistency for daily payouts
- 1-step & 2-step (Funded): Optional 35% consistency for on-demand payouts
🏆 Winner: FTMO
No consistency rule = complete trading freedom. Use our Consistency Calculator to check if your results would pass other firms' requirements.
Challenge Options
- FTMO: 2-step only
- FundingPips: 1-step, 2-step, 2-step Pro, and instant funding (Zero)
🏆 Winner: FundingPips
More flexibility with 1-step and instant options.
Platforms
- FTMO: cTrader, DXTrade, MT4, MT5
- FundingPips: cTrader, Match Trader, MT5
🏆 Winner: FTMO
MT4 availability gives FTMO the edge.
Who Should Choose Which?
Choose FTMO If You:
- Want the most trusted name in the industry
- Hate consistency rules
- Need MT4 platform
- Prefer simple, predictable rules
- Are okay with 80-90% profit split
Choose FundingPips If You:
- Want up to 100% profit split
- Prefer cheaper evaluations
- Want flexible payout options
- Like having 1-step or instant funding
- Don't need MT4
Final Verdict
Both firms are excellent and legitimate. Your choice depends on priorities:
- For simplicity: FTMO—no consistency rules, trusted since 2015
- For profit potential: FundingPips—up to 100% split, cheaper evaluations
Many traders use both—FTMO for the reliability, FundingPips for maximizing profits with monthly payouts at 100% split. Running multiple firm accounts is a proven scaling strategy—learn more in our guide on how many prop firm accounts you can have.
Ready to Get Funded?
Check out both firms and decide which fits your style.
Frequently Asked Questions
Is FTMO legit?
Yes, FTMO has been operating since 2015 and paid out over $200 million. They're the gold standard in forex prop trading.
Is FundingPips legit?
Yes, FundingPips has 904 Trustpilot reviews with a 4.3 rating. They pay traders consistently.
Which has better profit splits?
FundingPips (up to 100%) beats FTMO (80-90% with scaling).
Which is cheaper?
FundingPips—100K from $319 vs FTMO's €439 (~$475).
Which has no consistency rule?
FTMO has no consistency rule. FundingPips has optional rules on some plans.
Can I use both?
Yes, many traders run accounts with multiple prop firms. No exclusivity required. Use a trade copier like Replikanto to manage them efficiently.
💡 Compare More: Check our top forex prop firms, use the comparison tool, or read our guide to making a living from prop firm trading.