FTMO vs Funding Pips
Complete head-to-head comparison for 2026 — fees, rules, payouts, and more.
Winner
Funding Pips
Funding Pips wins with 60 vs 20 points, scoring higher in pricing & value, profit split, payout speed and 2 more categories.
Funding Pips: 60 ptsvsFTMO: 20 pts
💰
Pricing & Value
Funding Pips
📈
Profit Split
Funding Pips
🛡️
Trust & Reputation
FTMO
⚡
Payout Speed
Funding Pips
🎯
Challenge Fairness
Funding Pips
🖥️
Platforms & Instruments
Tie
🚀
Scaling Potential
Tie
📋
Trading Conditions
Funding Pips
FTMO5 wins
VS
3 wins
Funding Pips
At a Glance
| Metric | FTMO | Funding Pips |
|---|---|---|
PFS ScoreTrust | 8.2/10 | 6.8/10 |
Trustpilot RatingTrust | 4.8/5 | 4.5/5 |
Trustpilot ReviewsTrust | 38,883 | 37,664 |
FoundedTrust | 2015 | 2022 |
HeadquartersInfo | Prague, Czech Republic | Dubai, United Arab Emirates |
Total PayoutsTrust | $500.0M | $200.0M |
Lowest Entry FeeCost | $170 | $36 |
CashbackCost | 2% | 2% |
Fee RefundableCost | ✅ Yes | ✅ Yes |
Profit SplitEarnings | 80% – 90% | 60% – 100% |
Max AllocationScaling | $2.0M | $2.0M |
First PayoutPayouts | 14 days | 5 days |
Payout FrequencyPayouts | Bi-weekly (every 14 days) | Weekly |
Min PayoutPayouts | $20 | N/A |
Payout ProcessingPayouts | Average 8 hours; max 1-2 business days | 1-3 business days |
Challenge PhasesRules | 2-Step | 2-Step |
Daily Loss LimitRules | 5% | 5% |
Total Loss LimitRules | 10% | 10% |
Time LimitRules | Unlimited | Unlimited |
Consistency RuleRules | Best Day Rule on 1-Step only: best single day cannot exceed 50% of total profit target. 1-Step uses End-of-Day (EOD) Trailing max loss recalculated daily. No consistency rule on 2-Step. | 45% consistency rule on funded accounts (on-demand payout option). 2-Step Pro has 45% consistency throughout. Zero has 15% consistency rule. |
PlatformsTools | MT4, MT5, cTrader, DXtrade | MT5, cTrader, Match-Trader, TradeLocker |
InstrumentsTools | ~? | ~? |
LeverageTools | 100 | 1:100 |
News TradingRules | ✅ Yes | ✅ Yes |
EA AllowedRules | ✅ Yes | ✅ Yes |
Copy TradingRules | ❌ No | ✅ Yes |
Weekend HoldingRules | ❌ No | ✅ Yes |
Program & Pricing Comparison
FTMO
10 programs
| Program | Size | Fee | Split |
|---|---|---|---|
| 2-Step $10K Challenge | $10K | $170 | 80% |
| 1-Step $10K Challenge | $10K | $98 | 90% |
| 2-Step $25K Challenge | $25K | $275 | 80% |
| 1-Step $25K Challenge | $25K | $275 | 90% |
| 2-Step $50K Challenge | $50K | $379 | 80% |
| 1-Step $50K Challenge | $50K | $379 | 90% |
| 1-Step $100K Challenge | $100K | $483 | 90% |
| 2-Step $100K Challenge | $100K | $594 | 80% |
| 2-Step $200K Challenge | $200K | $1188 | 80% |
| 1-Step $200K Challenge | $200K | $1188 | 90% |
Funding Pips
20 programs
| Program | Size | Fee | Split |
|---|---|---|---|
| 2-Step Standard $5K | $5K | $36 | 60% |
| 2-Step Pro $5K | $5K | $29 | 80% |
| 1-Step $5K | $5K | $59 | 80% |
| Instant $5K Zero | $5K | $69 | 95% |
| 2-Step Standard $10K | $10K | $66 | 60% |
| Instant $10K Zero | $10K | $99 | 95% |
| 2-Step Pro $10K | $10K | $55 | 80% |
| 1-Step $10K | $10K | $99 | 80% |
| Instant $25K Zero | $25K | $199 | 95% |
| 2-Step Pro $25K | $25K | $109 | 80% |
| 1-Step $25K | $25K | $199 | 80% |
| 2-Step Standard $25K | $25K | $156 | 60% |
| 2-Step Standard $50K | $50K | $289 | 60% |
| 2-Step Pro $50K | $50K | $219 | 80% |
| Instant $50K Zero | $50K | $299 | 95% |
| 1-Step $50K | $50K | $319 | 80% |
| Instant $100K Zero | $100K | $499 | 95% |
| 1-Step $100K | $100K | $555 | 80% |
| 2-Step Pro $100K | $100K | $399 | 80% |
| 2-Step Standard $100K | $100K | $529 | 60% |
Trading Rules
| Rule | FTMO | Funding Pips |
|---|---|---|
| News Trading | ||
| Expert Advisors (EA) | ||
| Copy Trading | ||
| Weekend Holding | ||
| Fee Refundable | ||
| Prohibited Strategies | HFT, Latency arbitrage, Gap trading around news, Coordinated opposite positions across accounts, Overleveraging, Account rolling, One-sided bets | High-Frequency Trading, Latency Arbitrage, Reverse Arbitrage, Tick Scalping, Gap Trading, Toxic Order Flow, Server Spamming, Hedging, Martingale, Grid Trading |
Payouts & Scaling
FTMO
First Payout14 days
FrequencyBi-weekly (every 14 days)
ProcessingAverage 8 hours; max 1-2 business days
Min Payout$20
Max Allocation$2.0M
Scaling Plan25% balance increase every 4 months with 10% net profit and 2 processed rewards required. Profit split upgraded to 90%. Maximum allocation $2,000,000.
Payout Methods
Bank Wire Transfer
Visa Direct / Mastercard Send
Skrill
Cryptocurrency
Funding Pips
First Payout5 days
FrequencyWeekly
Processing1-3 business days
Min PayoutN/A
Max Allocation$2.0M
Scaling PlanFour-tier scaling system (Launchpad → Ascender → Trailblazer → Hot Seat). Reach $2M capital with 100% profit split at Hot Seat tier after 16 payouts and 40% cumulative profit.
Payout Methods
Visa Direct / Mastercard
Cryptocurrency (USDT)
Riseworks (Rise)
Bank/Wire Transfer
Trust & Reputation
FTMO
8.2/10
Trustpilot4.8/5 (38,883)
Founded2015
Total Payouts$500.0M
RegulatedNo
✨ Unique Features
- Pioneer of Modern Prop Trading Since 2015
- 3.5 Million+ Customers Worldwide
- Acquired OANDA Global Corporation
⚠️ Red Flags (10)
- Not Regulated by Any Financial Authority
- Simulated Trading Only - No Real Market Execution
- 1-Step Challenge Fee Not Refundable
Funding Pips
6.8/10
Trustpilot4.5/5 (37,664)
Founded2022
Total Payouts$200.0M
RegulatedNo
✨ Unique Features
- $29 Entry Point
- Up to 100% Profit Split
- $2 Million Scaling Potential
⚠️ Red Flags (10)
- No financial regulation
- Funded account rules differ from evaluation
- Trustpilot profile suspension
Which Firm Is Better For...
Frequently Asked Questions
Is FTMO or Funding Pips better for beginners?
Funding Pips is generally more accessible for beginners due to lower entry costs. Use our Risk Profile Matcher for personalized advice.
Which firm has better profit splits?
Funding Pips offers up to 100% maximum profit split. See our profit splits comparison.
Which firm pays out faster?
Funding Pips processes first payouts in 5 days. Check our payout speed tracker.
Can I get cashback on both firms?
Yes! PropFirmScan offers cashback on both FTMO (2%) and Funding Pips (2%). Learn how cashback works.
Which firm has more trading instruments?
FTMO offers approximately 0 instruments. See our full trading rules comparison.
Which firm scales higher?
FTMO offers scaling up to $2.0M. Both firms offer scaling plans for consistent traders.
Are FTMO and Funding Pips legitimate?
Both firms are vetted by PropFirmScan. FTMO has a PFS score of 8.2/10 and Funding Pips scores 6.8/10. See our vetting methodology.
Which firm allows news trading and EAs?
FTMO: News ✅, EA ✅. Funding Pips: News ✅, EA ✅.
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