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FundingPips vs The5%ers: which is easier to pass and pay out?

FundingPips and The5%ers 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 8 measures they come out even, 2 each, with 4 level.

Rules checked 8 Nov 2026

The verdict, category by category

	FundingPips	The5%ers	Edge
Easiest challenge to pass pass chance in our benchmark	2 Step Standard: 55%	Hyper Growth (1-step): 53%	Level
Best chance of passing and getting paid passed and reached a first payout, in our benchmark	2 Step Standard: 47%	High Stakes (2-step): 46%	Level
Instant funding funded from day one, no challenge	Zero (instant): 32% reach a payout	No	FundingPips
Most room before failing largest maximum loss; static beats trailing	10% static (2 Step Standard)	10% static (High Stakes (2-step))	Level
Highest profit split	95%	80%	FundingPips
Quickest first payout	14 days	14 days	Level
Accounts with no consistency rule	1 of 2	2 of 2	The5%ers
An account with no daily loss limit	No	Yes	The5%ers

Which should you choose?

Choose FundingPips if you want to skip the evaluation and be funded straight away; you expect to be paid often and want to keep more of each payout.
Choose The5%ers if you make most of your profit on a few big days; you hold through volatile sessions and a daily limit would cut you off.
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 FundingPips Test at The5%ers

2-step challenges: FundingPips 2 Step Standard vs The5%ers High Stakes (2-step)

	FundingPips	The5%ers
Account	2 Step Standard	High Stakes (2-step)
Profit target	8% / 5%	10% / 5%
Daily loss limit	5%	5%
Maximum loss	10% static	10% static
Minimum days	3	3
Time limit	None	None
Consistency rule	None	None
First payout	After 14 days, 1%+ profit	After 14 days, 0.15%+ profit
Profit split	80%	80%
Price	$529 for $100K	$545 for $100K
Pass chance (benchmark)	55%	52%
First payout chance (benchmark)	47%	46%
Best risk per trade	0.75%	0.75%
Fee spent per first payout, per $100	$213	$217
Rules checked	13 Nov 2026	8 Nov 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
FFundingPips	2 Step Standard	2-step	8% / 5%	5%	10% static	None	After 14 days, 1%+ profit	80%
FFundingPips	Zero (instant)	Instant funding	None	3%	5% trailing, locks at start	15%	After 14 days, 4%+ profit	95%
TThe5%ers	High Stakes (2-step)	2-step	10% / 5%	5%	10% static	None	After 14 days, 0.15%+ profit	80%
TThe5%ers	Hyper Growth (1-step)	1-step	10%	None	6% static	None	After 14 days, 0.15%+ profit	Not stated

About the two firms

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

The5%ers

The5%ers has two main routes. High Stakes is a classic 2-step (10% then 5%, 5% daily, 10% maximum loss fixed to your start), where the minimum days are profitable days of 0.5% or more. Hyper Growth is a single 10% phase with a 6% fixed maximum loss; its 3% daily limit pauses trading for the day rather than failing the account.

Forex & CFDs · United Kingdom · MT5

Rules to watch: High Stakes minimum days are profitable days of 0.5%+ (modelled as trading days). Hyper Growth's 3% daily limit pauses trading for the day instead of failing the account, so it isn't modelled as a breach. Payouts bi-weekly with a $150 minimum. Accounts inactive for 30 days close. Sources: the5ers.com/high-stakes/ and the5ers.com/hyper-growth/

Questions

Is FundingPips or The5%ers easier to pass?

They are about the same. In our benchmark FundingPips's 2 Step Standard passed 55% of the time and The5%ers's Hyper Growth (1-step) 53%.

Which is more likely to pay out, FundingPips or The5%ers?

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 The5%ers's High Stakes (2-step). FundingPips's Zero (instant), an instant account with no challenge, reached a payout 32% of the time. This ranks the rules, not the firms' payout records.

Which has the better profit split, FundingPips or The5%ers?

FundingPips, with up to 95% against 80%.

Which gives more room on drawdown, FundingPips or The5%ers?

FundingPips's most forgiving account allows 10% static (2 Step Standard); The5%ers's allows 10% static (High Stakes (2-step)). A static limit never moves up behind you, so it is worth more than a trailing one of the same size.

Do FundingPips and The5%ers have consistency rules?

FundingPips: 1 of 2 accounts do. The5%ers: none of its accounts do.

More comparisons

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.