Forex · head to head
Updated 2026-10-26
Short answer
FTMO suits traders who want on-demand payouts from day 14 with a $20 minimum. FundingPips suits traders who want reward cycles from weekly to on-demand and splits up to 100%. FTMO refunds the 2-Step fee with the first reward; FundingPips refunds only 2-Step Standard, at the fourth reward, and its Master news and weekend rules are far stricter.
| At a glance |  FTMO | FundingPips |
|---|---|---|
| Trader rating | 4.8 (55,057) | 4.5 (70,933) |
| Cheapest plan | €79 ($10K) | $29 ($5K) |
| Plans we track | 20 | 36 |
| Account sizes | $5K, $10K, $25K, $50K, $100K, $200K | $5K, $10K, $25K, $50K, $100K, $200K |
| Evaluation types | 2 Steps, 1 Step, Instant | 2 Steps, 1 Step, Instant |
| Max loss types | Static, Trailing | Static, Trailing |
| Daily loss limit | On every plan | On every plan |
| Best standard split | 90% | 80% |
| Years operating | 11 | 4 |
| Code right now | None | None |
The lowest list price each firm charges at that account size, with that plan's rules.
| Size | Firm | Plan | Price | Target | Max loss | Daily limit | Split |
|---|---|---|---|---|---|---|---|
| $5K | FTMO | Instant | €169 | — | 10% Trailing | 3% | 90% |
| FundingPips | 2-Step Pro | $29 | 6% | 6% Static | 3% | 80% | |
| $10K | FTMO | 1-Step Standard | €79 | 10% | 10% Trailing | 3% | 90% |
| FundingPips | 2-Step Pro | $55 | 6% | 6% Static | 3% | 80% | |
| $25K | FTMO | 1-Step Standard | €199 | 10% | 10% Trailing | 3% | 90% |
| FundingPips | 2-Step Pro | $145 | 6% | 6% Static | 3% | 80% | |
| $50K | FTMO | 1-Step Standard | €319 | 10% | 10% Trailing | 3% | 90% |
| FundingPips | Zero (Instant) | $244 | — | 5% Trailing | 3% | 80% | |
| $100K | FTMO | 1-Step Standard | €499 | 10% | 10% Trailing | 3% | 90% |
| FundingPips | Zero (Instant) | $444 | — | 5% Trailing | 3% | 80% | |
| $200K | FTMO | 1-Step Standard | €999 | 10% | 10% Trailing | 3% | 90% |
| FundingPips | Zero (Instant) | $888 | — | 5% Trailing | 3% | 80% |
FTMO pays on demand from day 14, with a $20 minimum, and refunds the 2-Step fee with the first reward. FundingPips pays weekly routes from 7 days, bi-weekly from 14 days, or on demand once eligible, with a minimum request of 1% of Master size. FundingPips refunds only 2-Step Standard, at the fourth reward, not the first payout.
FTMO bans funded trades within 2 minutes of selected high-impact news on standard accounts and bans weekend holding there. FundingPips may deduct Master profit from trades inside 5 minutes of high-impact news, with a 5-hour swing exception, and allows weekend holding on Master accounts only with the Swing add-on. FTMO allows EAs within a 2,000-request daily cap; FundingPips permits only the trader's own trade or risk tools.
FundingPips Master accounts use tiered leverage on metals, energies and indices, and Zero adds a 1% combined floating loss limit. FTMO Swing accounts trade funded news and weekends freely at 1:30 forex leverage, against 1:100 on standard accounts. FundingPips bans VPN access for accounts; FTMO lets traders freeze an account for 7 days to 6 months instead of trading through a break. Prop trading can cost you every fee you pay.
Test both plans in our pass probability calculator.
FundingPips pays weekly routes from 7 days. FTMO pays on demand from day 14.
On FTMO standard accounts, trades inside 2 minutes of selected high-impact news are banned. On FundingPips Master accounts, profit from trades inside 5 minutes of high-impact news may be deducted.
FTMO refunds the 2-Step fee with the first reward. FundingPips refunds only 2-Step Standard, at the fourth reward.
Prices are list prices from each firm's own site at our last update. Rankings are never paid. Prop trading can cost you every fee you pay.