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FundingPips Challenge Guide 2026: How to Choose the Right Account

FundingPips / FundingPips Prop Trading Challenge

FundingPips offers several simulated trading account models with different evaluation structures, risk limits, leverage, and reward options. This guide explains how each model works and which type of trader may find it suitable.

4.5 / 5
From $32.00 Published Aug 20, 2026
FundingPips

FundingPips

Flexible Prop Trading Options

FundingPips Challenge Guide 2026: How to Choose the Right Account

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Our verdict

Choosing the right prop trading challenge is often more important than simply choosing the largest account size. FundingPips currently offers five main trading models: 1 Step Flex, 2 Step Standard, 2 Step Flex, 2 Step Pro, and Zero. Each model is designed around a different combination of evaluation requirements, trading rules, and reward structures. The best choice depends on your trading style. Traders who prefer a single evaluation phase may consider 1 Step Flex, while traders who prefer a traditional two-phase evaluation can look at the 2 Step models. Traders who want to skip an evaluation can consider the Zero model.

Affiliate disclosure

This content is for informational purposes only and does not constitute financial or investment advice. FundingPips accounts operate in a simulated trading environment. Account conditions, pricing, trading rules, reward structures, and availability may change. Always check the latest official terms before purchasing a challenge.

Pros

  • Multiple account models
  • Account sizes from $5K to $200K
  • One-step and two-step evaluation options
  • Zero model available without a traditional evaluation
  • Reward splits of up to 100% on eligible models and cycles
  • Multiple reward schedules
  • Several reward payment methods
  • Different models for different trading styles

Cons

  • Each model has different rules
  • Risk limits must be monitored carefully
  • Some reward structures require additional conditions
  • Trading conditions can change
  • Not every account size is available on every model
  • Simulated trading does not guarantee real-market performance

Full review

What Is a FundingPips Challenge?

A FundingPips challenge is a simulated trading evaluation where traders purchase an account and trade according to specific rules. Successful traders can progress to a Master Account and become eligible for rewards based on their performance.

FundingPips currently offers account sizes from $5,000 to $200,000, depending on the selected model.

FundingPips Account Models

1 Step Flex: One evaluation phase with a 12% profit target, no minimum trading days, and an 85% bi-weekly reward split.

2 Step Standard: A traditional two-phase evaluation with several reward schedules, including weekly, bi-weekly, on-demand, and monthly options.

2 Step Flex: Two evaluation phases with 10% and 6% profit targets. Traders can choose between different reward structures depending on their consistency requirements.

2 Step Pro: A two-phase model focused on structured evaluation and responsible risk management.

Zero: No traditional evaluation. Traders receive direct access to a Zero Instant Master Account, while still following applicable trading and risk-management rules.

How It Works Choose an account that matches your strategy and risk level. Complete the evaluation by reaching the required target while following the rules. Move to a Master Account after passing the evaluation. Request rewards once the account meets the applicable requirements. Is FundingPips Worth Considering?

FundingPips may suit traders looking for multiple evaluation options and flexible reward structures. However, passing a challenge requires disciplined risk management and consistent trading.

Before purchasing, always check the latest rules, fees, drawdown limits, trading restrictions, and reward conditions for your selected model.

Best for

FundingPips is best suited for traders who already understand their strategy and want to trade within predefined risk parameters. It may be particularly interesting for Forex and CFD traders who want to choose between different evaluation structures and reward models. It is less suitable for traders who frequently use excessive leverage, change strategies after losses, or prefer completely unrestricted trading.

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From $32.00

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