FundingPips Rules: 1 Step, 2 Step, Pro & Zero Explained
13 min read
If you're trying to make sense of FundingPips rules across their four plans, you're not alone. The firm runs four different plans, and the rules shift depending on whether you're in evaluation or already on a Master Account. The biggest differences between the plans are the profit targets, daily loss limits, static or trailing drawdown rules, reward requirements, and which restrictions activate once you reach a Master Account. This article pulls those details into one place so you can understand which rules apply, when they apply, and how they differ by plan.
FundingPips Plans at a Glance
FundingPips is a CFD prop firm offering simulated trading on forex, metals, indices, energies, and crypto. Traders can manage up to $300,000 in capital across multiple accounts, with a scaling path up to $2 million for top performers.
Trading happens on MetaTrader 5, cTrader, or Match Trader, with raw spreads on all instruments. Forex and metals carry a $5 per lot commission on standard accounts ($7 on Zero), while indices and energies trade commission-free.
FundingPips charges a one-time fee per account purchase. There's no monthly subscription. If you breach during evaluation, you can purchase a reset at a discount to keep going on the same account, but resets aren't available on Master accounts or Zero. Breach there and you'd need to buy a new challenge to start over.
The firm offers four core plans: 1 Step, 2 Step, 2 Step Pro, and Zero. Account sizes range from $5,000 to $100,000 across all four plans, with $200,000 also available on 2 Step Pro and Zero. The 1 Step, 2 Step, and 2 Step Pro require passing evaluation to reach a Master Account.
To pass evaluation, you need to hit a profit target without breaching the daily or overall loss limits, and you need to trade for a minimum number of days. The exact targets and minimum days vary by plan. Once you reach a Master Account, the profit target requirement disappears and you start earning rewards. Zero skips evaluation entirely and starts on a Master Account directly.
At a high level: 1 Step is the fastest path with the tightest drawdown. 2 Step gives you more room across two phases. 2 Step Pro drops profit targets to 6% in exchange for a 1-trading-day minimum and an optional daily reward cycle. Zero adds a 5% trailing drawdown and stricter rules around news and weekends.
FundingPips 1 Step Rules
The 1 Step Model has a single evaluation phase called the Student Phase. Pass it and you move to a Master Account.
Student Phase | Master Account | |
|---|---|---|
Profit Target | 10% | None |
Min Trading Days | 3 | None |
Max Daily Loss | 3% | 3% |
Maximum Loss Limit | 6% | 6% |
Risk Per Trade Idea | - | 3% (under $50K) / 2% ($50K+) |
Leverage (Forex) | 1:30 | 1:30 |
To pass the Student Phase, you need 10% profit and at least 3 trading days. The Max Daily Loss, Maximum Loss Limit, and 30 days of inactivity are all hard breaches at every stage. The Risk Per Trade Idea rule activates on the Master Account.
Here are the dollar values across every account size. The Daily Loss Limit and Maximum Loss Limit apply to both the Student Phase and Master Account:
$5K | $10K | $25K | $50K | $100K | |
|---|---|---|---|---|---|
Profit Target (10%) | $500 | $1,000 | $2,500 | $5,000 | $10,000 |
Max Daily Loss (3%) | $150 | $300 | $750 | $1,500 | $3,000 |
Maximum Loss Limit (6%) | $300 | $600 | $1,500 | $3,000 | $6,000 |
FundingPips 2 Step Rules
The 2 Step Model has two phases: Student and Practitioner. You need to pass both to reach a Master Account.
Student Phase | Practitioner Phase | Master Account | |
|---|---|---|---|
Profit Target | 8% (or 10%) | 5% | None |
Min Trading Days | 3 | 3 | None |
Max Daily Loss | 5% | 5% | 5% |
Maximum Loss Limit | 10% | 10% | 10% |
Risk Per Trade Idea | - | - | 3% (under $50K) / 2% ($50K+) |
Leverage (Forex) | 1:100 | 1:100 | 1:100 |
The 2 Step Student Phase has two profit target options. The standard is 8%. A 10% target is available at a reduced price if you select it during purchase. Either way, the Practitioner Phase target stays at 5%. Compared to the 1 Step, the 2 Step gives you a wider 10% drawdown buffer and higher leverage on Forex, but you have two phases to clear instead of one.
To pass evaluation, you need to hit each phase's profit target in at least 3 trading days. The Max Daily Loss, Maximum Loss Limit, and 30 days of inactivity are all hard breaches at every stage. The Risk Per Trade Idea rule activates on the Master Account.
Here are the dollar values across every account size. The Student and Practitioner phases share the same Daily Loss Limit and Maximum Loss Limit, and those carry into the Master Account. Profit targets differ by phase and don't apply on Master:
$5K | $10K | $25K | $50K | $100K | |
|---|---|---|---|---|---|
Student Profit Target (8%) | $400 | $800 | $2,000 | $4,000 | $8,000 |
Practitioner Profit Target (5%) | $250 | $500 | $1,250 | $2,500 | $5,000 |
Max Daily Loss (5%) | $250 | $500 | $1,250 | $2,500 | $5,000 |
Maximum Loss Limit (10%) | $500 | $1,000 | $2,500 | $5,000 | $10,000 |
FundingPips 2 Step Pro Rules
The 2 Step Pro is structured like the 2 Step but with lower profit targets and a faster minimum days requirement.
Student Phase | Practitioner Phase | Master Account | |
|---|---|---|---|
Profit Target | 6% | 6% | None |
Min Trading Days | 1 | 1 | None |
Max Daily Loss | 3% | 3% | 3% |
Maximum Loss Limit | 6% | 6% | 6% |
Risk Per Trade Idea | - | - | 3% (under $50K) / 2% ($50K+) |
Leverage (Forex) | 1:100 | 1:100 | 1:100 |
The Pro variant has a reward cycle choice you make at purchase. The default is Weekly 80%, with no consistency rule on any phase. The alternative is Daily 80% Beta, which gives you daily payouts on the Master Account but adds a 35% consistency rule to your Student and Practitioner phases. The consistency rule only applies during evaluation. Once you reach the Master Account, neither option enforces consistency.
To pass evaluation, you need 6% profit in each phase with at least 1 trading day per phase. The Max Daily Loss, Maximum Loss Limit, and 30 days of inactivity are all hard breaches at every stage. The Risk Per Trade Idea rule activates on the Master Account.
Here are the dollar values across every account size. The Student and Practitioner phases share the same profit target, Daily Loss Limit, and Maximum Loss Limit. The two loss limits carry into the Master Account. Profit targets don't apply on Master:
$5K | $10K | $25K | $50K | $100K | $200K | |
|---|---|---|---|---|---|---|
Profit Target per phase (6%) | $300 | $600 | $1,500 | $3,000 | $6,000 | $12,000 |
Max Daily Loss (3%) | $150 | $300 | $750 | $1,500 | $3,000 | $6,000 |
Maximum Loss Limit (6%) | $300 | $600 | $1,500 | $3,000 | $6,000 | $12,000 |
FundingPips Zero Rules
FundingPips Zero skips evaluation entirely. You go straight to a Master Account but operate under a different set of rules than the other plans.
Master Account | |
|---|---|
Profit Target | None |
Max Daily Loss | 3% |
Max Trailing Loss | 5% |
Max Risk Limit (floating) | 1% |
Risk Per Trade Idea | 3% (under $50K) / 2% ($50K+) |
Min Profitable Days (per 30 days) | 7 |
Consistency Score (for rewards) | 15% |
Leverage (Forex) | 1:50 |
The 5% Maximum Trailing Loss is the defining feature of Zero. It tracks your highest recorded equity and locks in at your initial account size once you reach 5% profit. Until you hit that threshold, the limit moves with your equity. The 1% Maximum Risk Limit is also unique to Zero: your floating profit and loss cannot exceed -1% of your account size at any point.
Zero has no profit target or evaluation phase. The Max Daily Loss, Max Trailing Loss, and 30 days of inactivity are all hard breaches.
To request a reward on Zero, you need a 15% consistency score, at least 7 profitable days within a 30-day cycle (a profitable day requires at least 0.25% gain), and your biggest loss cannot exceed your biggest win. The first 3% of profit on the Master Account also acts as a safety cushion and cannot be requested as a reward.
Here are the dollar values across every account size. Zero only has a Master Account, so these limits apply from the moment you start trading:
$5K | $10K | $25K | $50K | $100K | $200K | |
|---|---|---|---|---|---|---|
Max Daily Loss (3%) | $150 | $300 | $750 | $1,500 | $3,000 | $6,000 |
Max Trailing Loss (5%) | $250 | $500 | $1,250 | $2,500 | $5,000 | $10,000 |
Max Risk Limit (1%) | $50 | $100 | $250 | $500 | $1,000 | $2,000 |
FundingPips Drawdown Rules and Loss Limit Mechanics
FundingPips uses "Maximum Loss Limit" for what most traders call drawdown, the total amount your account can lose. On Zero, this becomes a "Maximum Trailing Loss" that moves with your equity until it locks in at 5% profit. The Daily Loss Limit and Maximum Loss Limit work the same way across all four plans, but the math behind them is worth understanding.
The Daily Loss Limit is calculated from the higher of your starting balance or starting equity for the day. If you start the day with a $100,000 balance and $99,000 equity, the limit is based on the $100,000. Your equity for the day, including floating positions and closed trades, cannot hit the limit. The reset happens at 00:00 Platform Time (UTC+3).
The Maximum Loss Limit on 1 Step, 2 Step, and 2 Step Pro is static. It's calculated from your initial account size and doesn't move. On Zero, the Maximum Trailing Loss tracks your highest recorded equity and locks in at the initial account size once you've reached 5% profit. After that, it behaves like a static limit.
Inactivity for 30 consecutive days without a closed trade triggers a breach.
If you do breach a rule, your account moves to view-only mode, open trades close automatically, and any simulated profits are forfeited. Reset discounts are available on the Student or Practitioner phases of evaluation, but not on Master accounts or Zero.
Tracking your daily loss, overall loss, and trading days while you're actively trading is harder than it sounds. The numbers move with every position, and most traders find out they breached only when the email arrives. Tanto solves this by syncing trades from your broker automatically, calculating your real-time distance from each loss limit, and counting your trading days as you go. It works with FundingPips and 35+ other brokers and prop firms, so the same setup carries across challenges. Get started with Tanto.
FundingPips Master Account Rules and Rewards
After passing evaluation, your account goes through a manual review by FundingPips' Responsible Trading Team, KYC verification, and a customer agreement before the Master Account activates. Once it does, a different set of rules takes effect alongside the Daily Loss Limit and Maximum Loss Limit already in place.
What Changes on a Master Account
The profit target requirement disappears. You're no longer trying to hit a target. The goal shifts to generating consistent profit you can withdraw.
Risk Per Trade Idea activates. This rule only applies on Master Accounts and tracks combined realized and unrealized losses across positions in the same direction on the same instrument. If you close a losing trade and reopen in the same direction within 10 minutes, the losses are combined for this rule. The cap is 3% of your initial account size for accounts under $50K, and 2% for $50K and above. Hit the cap and the account is breached.
News trading restrictions kick in. On 1 Step, 2 Step, and 2 Step Pro Master accounts, you can hold trades through high-impact news, but if you open or close a trade within 5 minutes before or after a high-impact news event on an affected currency, the profits from that trade will not count. Trades opened more than 5 hours before the event are exempt. On Zero, the window widens to 10 minutes on each side, and opening a trade in that window leads to account termination, not just a profit deduction.
Weekend holding is currently restricted. On 1 Step, 2 Step, and 2 Step Pro Master accounts, weekend holding is temporarily not allowed. The system auto-closes any open trades at Friday market close (this is not a hard breach). On Zero, weekend holding is permanently prohibited, and leaving a position open over the weekend counts as a hard breach.
Here's a quick comparison of Master Account rules across the three evaluation plans (Zero is structurally different and isn't shown here, scroll up to the Zero section for those rules). Risk Per Trade Idea applies to combined positions on the same instrument and direction. Consistency Score means no single trading day can account for more than the listed percentage of your total profits.
1 Step | 2 Step | 2 Step Pro | |
|---|---|---|---|
Profit Target | None | None | None |
Max Daily Loss | 3% | 5% | 3% |
Maximum Loss Limit | 6% | 10% | 6% |
Risk Per Trade Idea (under $50K / $50K+) | 3% / 2% | 3% / 2% | 3% / 2% |
Consistency Score | 35% (On Demand only) | 35% (On Demand only) | None on Master |
Leverage (Forex) | 1:30 | 1:100 | 1:100 |
Reward and Payout Rules by Plan
The minimum reward amount is 1% of your initial balance, except where noted.
1 Step and 2 Step Master accounts offer four reward cycle choices:
Weekly 60% — request 7 days after first executed trade
Bi-Weekly 80% — request every 14 calendar days
On Demand 90% — requires a 35% consistency score (no single trading day exceeds 35% of total profit), minimum reward 2% of initial balance
Monthly 100% — request every 30 calendar days
2 Step Pro Master accounts offer two cycles, chosen at purchase:
Weekly 80% — no consistency rule on any phase
Daily 80% Beta — daily rewards on Master, but adds a 35% consistency rule to your Student and Practitioner phases (the rule does not apply to your Master account)
Zero Master accounts offer one cycle:
Bi-Weekly 95% — requires a 15% consistency score, at least 7 profitable days in the 30-day cycle (a profitable day requires at least 0.25% gain), and a biggest loss that does not exceed your biggest win. The first 3% of profit on the Master Account acts as a safety cushion and cannot be requested as a reward
Scaling Plan
FundingPips offers a scaling plan that increases your account size as you generate consistent rewards. The path runs through four levels and starts on the Master Account.
Level | Requirements | Capital Increase |
|---|---|---|
Launchpad | 4 rewards + 10% total profit | 20% |
Ascender | 8 rewards + 20% total profit | 30% |
Trailblazer | 12 rewards + 30% total profit | 40% |
Hot Seat | 16 rewards + 40% total profit | 100% (doubled balance) |
Drawdown limits also increase progressively at each scaling level. The Hot Seat tier additionally includes a 100% reward split, on-demand rewards, monthly bonuses, and access up to $2 million in capital. All scaling is calculated from the original account size, not any merged size. Full scaling details are in the FundingPips help center.
FundingPips Prohibited Strategies and Other Rules
FundingPips bans a specific list of strategies. Using any of them leads to account termination.
The prohibited list includes gap trading, high-frequency trading, server spamming, latency arbitrage, toxic trading flow, hedging, long-short arbitrage, reverse arbitrage, tick scalping, server execution, opposite account trading, and churning and burning. Account management by a third-party vendor is also prohibited.
Copy trading is allowed within accounts owned by the same individual. Copying trades between FundingPips accounts owned by different users is prohibited, and so is coordinated trading across master accounts not owned by the same individual. You can use a trade copier to copy trades from your FundingPips account to an external account, as long as you use the investor (read-only) password on the FundingPips side.
Third-party Expert Advisors are allowed only if they function as trade or risk managers. Any other type of third-party EA leads to denial of evaluation or rewards and account closure.
A few additional rules apply across the platform.
Lot limits include a 20-lot maximum per click on every plan, based on what your margin and leverage allow. On the program page, FundingPips also notes a 0.01 minimum lot requirement for a day to count as a trading day toward the minimum days requirement.
IP rules require the region of your IP address used to purchase the evaluation, log in, and trade to remain consistent. The Responsible Trading Team monitors for unrealistic changes and may request travel documentation, VPS or VPN ownership proof, or a live video to verify your location.
Temporary dynamic leverage applies to metals, indices, and energies on Master Accounts as of March 16, 2026. The structure is tiered: smaller lot sizes get higher leverage (1:50 on the first 0.05 lots), with leverage stepping down as position size grows. Each tier applies only to the portion of volume within its range. This is a temporary measure tied to current market conditions.
Bottom Line
FundingPips rules vary across the four plans, so the right choice depends on what you can manage. The 1 Step and 2 Step Pro plans both run a tight 3% daily loss with a 6% max overall loss. The 2 Step gives you more room at 5% and 10% but adds a second phase. Zero skips evaluation entirely but locks you into a trailing drawdown, profitable day requirements, and harder news and weekend restrictions on Master. Always cross-check your specific plan against the FundingPips help center since rules and temporary conditions can change.
By Team Tanto · Last updated: May 9, 2026