FTMO vs FundingPips 2026: Which Forex Prop Firm Is Better?

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, and the wrong pick for your setup can cost you real money.

This FTMO vs FundingPips comparison covers everything that actually matters: profit splits, pricing, payout cycles, drawdown rules, platforms, EA policies and scaling — with figures verified against each firm's current programs. Before you start, use our forex calculator to plan position sizing and risk on either firm.

Quick Comparison: FTMO vs FundingPips

FTMO: Overview

FTMO is the gold standard in forex prop trading. Founded in January 2015 in Prague, Czech Republic, it pioneered the modern evaluation model that most competitors now imitate, and carries a 4.8 Trustpilot rating from 44,733 reviews — one of the longest and strongest reputations in the industry.

FTMO offers two evaluation paths: the standard 2-Step Challenge (10% then 5% targets, 80% split rising to 90% with scaling) and a 1-Step Challenge (10% target, 90% split from day one, fee non-refundable). Maximum allocation is $400,000 on a single account, scaling to $2,000,000. Platforms include MT4, MT5, cTrader and DXTrade — one of the widest selections of any forex prop firm.

FTMO Pros & Cons

FundingPips: Overview

FundingPips has become a favorite for traders who want more options. Founded in November 2022 in Dubai, UAE, it has paid out over $110 million to more than 1 million traders and holds a 4.5 Trustpilot rating. Its signature feature is a tiered profit-split system that lets you choose your payout frequency — and the corresponding split, up to 100%.

FundingPips runs five programs: Instant Funding (Zero), 1-Step, 2-Step Standard, 2-Step Flex and 2-Step Pro. Platforms are cTrader, Match Trader and MT5 (no MT4), and unlike FTMO, FundingPips permits EAs for trade and risk-management purposes. Maximum allocation is $400,000, extending to $2,000,000 through the PRIME career path.

FundingPips Pros & Cons

Profit Split & Payouts

This is the headline difference. FTMO pays a flat 80% split on the 2-Step (rising to 90% through scaling) and 90% on the 1-Step, on a fixed 14-day payout cycle. Withdrawals go via bank transfer (min $20), crypto (min $50) or Skrill, and process in 1–2 business days.

FundingPips lets you trade the split against the payout frequency. On the 1-Step and 2-Step programs:

• Every 7 days → 60% split
• Every 14 days → 80% split (standard)
• On-demand → 90% split (requires a 35% consistency score)
• Every 30 days → 100% split

The Instant (Zero) program pays 95% every 14 days, 2-Step Flex pays 85% (no profitable days) or 95% (with 3 profitable days), and 2-Step Pro pays 80% every 7 days. Payouts run through bank transfer, crypto or Riseworks and land within 1–3 working days.

Pricing & Account Sizes

For a 100K account, FTMO's 2-Step is $619 ($501.39 with the current code); its 1-Step 100K is $579. FundingPips' 100K ranges by program: 2-Step Pro $422 ($379.80 with code), Instant $444, 2-Step Standard $520, 2-Step Flex $555, 1-Step $566 — each 10% off with code GUIDE.

At the entry level the gap is wider: FTMO starts at $89 (1-Step 10K) or $99 (2-Step 10K), while FundingPips starts at just $29 (2-Step Pro 5K), or $23.20 with the code.

Challenge Types & Rules

FTMO keeps it simple with two paths. The 2-Step runs a 10% then 5% target with a 5% daily loss limit, 10% max drawdown and a minimum of four trading days per phase. The 1-Step uses a single 10% target with a tighter 3% daily limit and 10% max drawdown. There is no instant-funding route.

FundingPips offers five formats: Instant (Zero) skips the evaluation entirely (no target, 3% daily, 5% max drawdown, 15% consistency rule); 1-Step (10% target, 3% daily, 6% max); 2-Step Standard (10% then 5%, 5% daily, 10% max); 2-Step Flex (10% then 6%, 4% daily, 12% max); and 2-Step Pro (6% then 6%, 3% daily, 6% max). Only the Instant program carries a consistency rule.

Platforms, EAs & News Trading

Platforms: FTMO supports MT4, MT5, cTrader and DXTrade; FundingPips supports cTrader, Match Trader and MT5. If you trade on MT4 or DXTrade, FTMO is the only option of the two.

Expert Advisors: this is a real dividing line. FTMO strictly prohibits third-party EAs — only your own strategies and risk tools are allowed. FundingPips permits EAs for trade and risk-management purposes. Automated and semi-automated traders should look hard at FundingPips here.

News trading: on FTMO, funded non-swing accounts cannot trade within 2 minutes of high-impact news (swing accounts can hold over news and weekends). On FundingPips, evaluation has no news restriction; on funded accounts, opening or closing trades within 5 minutes of high-impact news is prohibited and any profit made in that window is voided.

Scaling & Max Allocation

FTMO scales your account by 25% every 4 months when you meet the criteria (at least 10% total net profit, two processed payouts, and a positive balance), with your split rising to 90%. The ceiling is $2,000,000 — the highest of any major forex prop firm.

FundingPips caps standard allocation at $400,000, with a separate PRIME career path that can scale select funded traders up to $2,000,000. FTMO's $2M is open to any funded trader who meets the scaling criteria, while FundingPips' $2M runs through the more selective PRIME route.

Who Should Choose Which?

Choose FTMO if you:

• Want the most trusted name in the industry (4.8 / 44,733 reviews)
• Trade on MT4 or DXTrade
• Want the largest possible funded account ($2M scaling)
• Prefer no consistency rules and simple, predictable rules
• Trade manually — FTMO's EA ban doesn't affect you

Choose FundingPips if you:

• Want a path to 100% profit split
• Prefer cheaper evaluations and a low entry price
• Want flexible or on-demand payouts
• Like having instant funding or a 1-Step option
• Run EAs or automated strategies

Frequently Asked Questions

Is FTMO or FundingPips better?

It depends on your priorities. FTMO is better for trust, MT4/DXTrade support, and the highest scaling cap ($2M). FundingPips is better for a higher split ceiling (up to 100%), cheaper evaluations, more program variety, and EA support. Neither is objectively superior — your platform and trading style decide it. Read our full FTMO review and FundingPips review before choosing.

Is FundingPips legit?

Yes. Founded in November 2022 and based in Dubai, FundingPips holds a 4.5 Trustpilot rating and has paid over $110 million to more than 1 million traders. You can verify real withdrawals on our on-chain payout tracker.

Which has better profit splits?

FundingPips, on the ceiling: it reaches 100% on the monthly payout cycle, versus FTMO's 80% (2-Step) to 90% (scaling and 1-Step). FTMO's split is fixed and simpler; FundingPips' is tiered against how often you withdraw.

Which is cheaper?

FundingPips. A 100K account starts at $422 (2-Step Pro, or $337.60 with code GUIDE) versus FTMO's $619 2-Step. Entry-level pricing starts at $29 on FundingPips versus $89 on FTMO.

Does FTMO have a 1-Step challenge?

Yes. FTMO offers both a 1-Step (single 10% target, 90% split, non-refundable fee) and a 2-Step challenge. It does not offer instant funding — for that, FundingPips' Instant (Zero) program is the option between these two.

Does FundingPips allow EAs?

Yes — FundingPips permits Expert Advisors for trade and risk-management purposes. FTMO strictly prohibits third-party EAs, allowing only your own strategies and risk tools. If you rely on automation, FundingPips is the better fit.

Which has no consistency rule?

FTMO has no consistency rule on any program. FundingPips applies a 15% consistency rule only on its Instant (Zero) accounts; the 1-Step, 2-Step, Flex and 2-Step Pro programs have none, though unlocking the 90% on-demand split requires a 35% consistency score. Use our consistency calculator to check your results.

Can I use both firms?

Yes — there's no exclusivity, and many traders run accounts at multiple prop firms. A trade copier like Replikanto helps manage them efficiently.