FTMO vs FundingPips: which is easier to pass and pay out?
FTMO and FundingPips compared on their own published rules: profit targets, loss limits, consistency rules and payouts, plus how each account did in our benchmark, where the same made-up trader is replayed against every account. On our 7 measures, FundingPips comes out ahead on 2 and FTMO on 1, with 4 level.
The verdict, category by category
| FTMO | FundingPips | Edge | |
|---|---|---|---|
| Easiest challenge to pass pass chance in our benchmark | 1-Step Challenge: 54% | 2 Step Standard: 55% | Level |
| Best chance of passing and getting paid passed and reached a first payout, in our benchmark | 2-Step Challenge: 46% | 2 Step Standard: 47% | Level |
| Instant funding funded from day one, no challenge | Instant Account: 66% reach a payout | Zero (instant): 32% reach a payout | FTMO |
| Most room before failing largest maximum loss; static beats trailing | 10% static (2-Step Challenge) | 10% static (2 Step Standard) | Level |
| Highest profit split | 90% | 95% | FundingPips |
| Quickest first payout | 14 days | 14 days | Level |
| Accounts with no consistency rule | 1 of 3 | 1 of 2 | FundingPips |
Which should you choose?
- Choose FTMO if you want to skip the evaluation and be funded straight away.
- Choose FundingPips if you expect to be paid often and want to keep more of each payout; you make most of your profit on a few big days.
- Still not sure? The right firm depends on your strategy, not ours. Upload your backtest and see your own pass and payout chance at both.
Test your strategy at FTMO Test at FundingPips
2-step challenges: FTMO 2-Step Challenge vs FundingPips 2 Step Standard
| FTMO | FundingPips | |
|---|---|---|
| Account | 2-Step Challenge | 2 Step Standard |
| Profit target | 10% / 5% | 8% / 5% |
| Daily loss limit | 5% | 5% |
| Maximum loss | 10% static | 10% static |
| Minimum days | 4 | 3 |
| Time limit | None | None |
| Consistency rule | None | None |
| First payout | After 14 days, 0.1%+ profit | After 14 days, 1%+ profit |
| Profit split | 80% | 80% |
| Price | $602.78 for $100K | $529 for $100K |
| Pass chance (benchmark) | 52% | 55% |
| First payout chance (benchmark) | 46% | 47% |
| Best risk per trade | 0.75% | 0.75% |
| Fee spent per first payout, per $100 | $217 | $213 |
| Rules checked | 8 Nov 2026 | 13 Nov 2026 |
Instant funding accounts: FTMO Instant Account vs FundingPips Zero (instant)
| FTMO | FundingPips | |
|---|---|---|
| Account | Instant Account | Zero (instant) |
| Profit target | None | None |
| Daily loss limit | 3% | 3% |
| Maximum loss | 10% trailing | 5% trailing, locks at start |
| Minimum days | None | None |
| Time limit | None | None |
| Consistency rule | 30% | 15% |
| First payout | After 14 days, 0.1%+ profit | After 14 days, 4%+ profit |
| Profit split | 90% | 95% |
| Price | $3,347.66 for $100K | $499 for $100K |
| First payout chance (benchmark) | 66% | 32% |
| Best risk per trade | 0.5% | 0.38% |
| Fee spent per first payout, per $100 | $152 | $313 |
| Rules checked | 8 Nov 2026 | 25 Oct 2026 |
Where a firm has more than one account of a type, the one that did best in our benchmark is shown. "Fee spent per first payout" is what every $100 of challenge fee works out at once failed attempts are counted.
Every account at both firms
| Firm | Account | Type | Profit target | Daily loss | Max loss | Consistency | First payout | Split |
|---|---|---|---|---|---|---|---|---|
| F | 2-Step Challenge | 2-step | 10% / 5% | 5% | 10% static | None | After 14 days, 0.1%+ profit | 80% |
| F | 1-Step Challenge | 1-step | 10% | 3% | 10% trailing | 50% | After 14 days, 0.1%+ profit | 90% |
| F | Instant Account | Instant funding | None | 3% | 10% trailing | 30% | After 14 days, 0.1%+ profit | 90% |
| F | 2 Step Standard | 2-step | 8% / 5% | 5% | 10% static | None | After 14 days, 1%+ profit | 80% |
| F | Zero (instant) | Instant funding | None | 3% | 5% trailing, locks at start | 15% | After 14 days, 4%+ profit | 95% |
About the two firms
FTMO
FTMO, founded in the Czech Republic in 2015, is the best-known prop firm and the benchmark others are measured against. Its 2-Step Challenge (10% then 5%, a 5% daily limit, a 10% maximum loss fixed to your start and 4 minimum days) is one of the more forgiving evaluations in our directory.
Forex & CFDs · Czech Republic · founded 2015 · MT4, MT5, cTrader, DXtrade
Rules to watch: Daily loss is checked on equity (open trades count) and resets at 00:00 CE(S)T. 1-Step and funded accounts: best day must be 50% or less of total closed profit (orders from 12 Oct 2026). First reward can be requested from day 14 after the first trade. Instant Account (Oct 2026): 3% daily, 10% intraday trailing, 30% consistency, 90% split. Sources: ftmo.com/en/trading-objectives/ and ftmo.com/en/faq/how-do-i-withdraw-my-profits/
FundingPips
FundingPips' 2 Step Standard is a classic evaluation: 8% then 5%, a 5% daily limit from the higher of opening balance or equity, and a 10% maximum loss fixed to your start, with an 80% split. It's a sensible fit for most swing and day traders.
Forex & CFDs
Rules to watch: Daily loss measured from the higher of opening balance or equity, resets 00:00 UTC+3. One trade every 30 days or the account breaches. Zero (instant): first 3% of profit can't be withdrawn and you need 7 profitable days (0.25%+) in each rolling 30 days. On 2 Step Standard the weekly and two-week payout cycles have no consistency rule, and the two-week cycle is what PropPassCheck simulates. The On Demand cycle needs a 35% consistency score (no day over 35% of total profit) and 7 profitable days. Sources: help.fundingpips.com/hc/en-us/articles/34501809112081-2-Step-Standard and help.fundingpips.com/hc/en-us/articles/34502157694865-FundingPips-Zero
Questions
Is FTMO or FundingPips easier to pass?
They are about the same. In our benchmark FTMO's 1-Step Challenge passed 54% of the time and FundingPips's 2 Step Standard 55%.
Which is more likely to pay out, FTMO or FundingPips?
Of their challenges, FundingPips's 2 Step Standard (47%) gave the better chance of passing and reaching a first payout in our benchmark, against 46% for FTMO's 2-Step Challenge. FTMO's Instant Account and FundingPips's Zero (instant), an instant account with no challenge, reached a payout 66% and 32% of the time. This ranks the rules, not the firms' payout records.
Which has the better profit split, FTMO or FundingPips?
FundingPips, with up to 95% against 90%.
Which gives more room on drawdown, FTMO or FundingPips?
FTMO's most forgiving account allows 10% static (2-Step Challenge); FundingPips's allows 10% static (2 Step Standard). A static limit never moves up behind you, so it is worth more than a trailing one of the same size.
Do FTMO and FundingPips have consistency rules?
FTMO: 2 of 3 accounts do. FundingPips: 1 of 2 accounts do.
More comparisons
- FTMO vs The5%ers
- FTMO vs FundedNext
- FundedNext vs FundingPips
- FTMO vs E8 Markets
- FTMO vs Alpha Capital Group
- FTMO vs FXIFY
- FTMO vs Maven Trading
- FundingPips vs The5%ers
- FTMO vs Blue Guardian
- FTMO vs Goat Funded Trader
- FundingPips vs E8 Markets
- Alpha Capital Group vs FundingPips
PropPassCheck isn't paid by either firm and has no affiliate links. The benchmark ranks rules, not your trading. Confirm the rules on each firm's site before you buy.