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FundingPips 2-Step vs FTMO 2-Step: Full Comparison 2026
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Rules, pricing and promotions can change. Always verify the latest terms before purchasing an evaluation.
FundingPips 2-Step Standard and the FTMO 2-Step Challenge both use a traditional two-phase evaluation model, but the rules are not identical. FundingPips currently uses a lower Phase 1 profit target, while FTMO has a longer-established evaluation structure and a refundable 2-Step fee after the first eligible reward.
In this Prop Firm Family comparison, we break down the profit targets, drawdown limits, minimum trading days, payout structures, trading rules and other important differences.
| Feature | FundingPips 2-Step Standard | FTMO 2-Step |
|---|---|---|
| Evaluation phases | 2 | 2 |
| Phase 1 target | 8% | 10% |
| Phase 2 target | 5% | 5% |
| Daily loss | 5% | 5% |
| Maximum loss | 10% static | 10% |
| Minimum trading days | 3 per phase | 4 |
| Evaluation time limit | No short deadline; check current terms | Unlimited |
| Forex leverage | Up to 1:100 | Check current account terms |
| Fee refund | Check current terms | First eligible Reward on 2-Step |
| Payout structure | Multiple reward cycles | Up to 90% reward share |
| News during evaluation | Allowed | Allowed |
| Weekend holding during evaluation | Allowed | Allowed |
The biggest headline difference is Phase 1: FundingPips currently requires 8%, while FTMO requires 10%.
Compare the latest offers from both firms
Prices and promotions can change. Confirm the current terms before purchasing.
Profit Targets
FundingPips
- Phase 1: 8%
- Phase 2: 5%
FTMO
- Phase 1: 10%
- Phase 2: 5%
| Phase on $100K | FundingPips | FTMO |
|---|---|---|
| Phase 1 | $8,000 | $10,000 |
| Phase 2 | $5,000 | $5,000 |
| Both targets | $13,000 | $15,000 |
The phases are separate evaluations; the combined figure does not need to be earned continuously on one balance.
On a $100K evaluation, FundingPips requires $2,000 less profit in Phase 1. This does not automatically make the whole programme easier.
Drawdown Rules
FundingPips 2-Step Standard
- 5% maximum daily loss
- 10% maximum overall loss
- Static maximum loss
FTMO 2-Step
- 5% maximum daily loss
- 10% maximum loss
A static loss limit does not continuously trail upward as the account reaches new highs. The threshold is based on a defined account reference rather than following every new equity peak. Learn more in our drawdown guide.
Minimum Trading Days
FundingPips: three minimum trading days in Phase 1 and three in Phase 2. FTMO: four minimum trading days. A trader who reaches the target quickly must still complete the required minimum-day condition.
Time Limits
FTMO explicitly offers an unlimited trading period on its current 2-Step Challenge. FundingPips does not currently present Standard 2-Step as a traditional short-deadline challenge, but traders should check the latest inactivity and evaluation rules before purchasing. Its current terms require at least one completed trade within each 30-day period.
Payouts and Profit Splits
FundingPips
- Weekly — 60%
- Bi-weekly — 80%
- Monthly — 100%
- On Demand — 90%
Monthly 100% currently includes a 35% consistency requirement and at least seven profitable days meeting the qualifying threshold.
FTMO
FTMO currently advertises up to 90% of simulated profits on its 2-Step programme. Reward frequency and scaling depend on current eligibility and account terms.
Do not compare payout percentages without comparing the conditions attached to them.
For more context, see our profit split guide.
Review both firms’ current payout options
Prices and promotions can change. Confirm the current terms before purchasing.
Fees and Refunds
FTMO charges a one-time fee for its 2-Step Challenge covering both evaluation phases. It is currently refunded with the first eligible Reward after the trader completes the evaluation and reaches the FTMO Account stage.
FundingPips refund and reset terms can differ, so check the current Standard 2-Step conditions before paying. Challenge cost should be compared alongside refund conditions, not just the checkout price.
Pricing
| Account size | FundingPips | FTMO |
|---|---|---|
| $10K | $66 | $89 |
| $25K | $177 | $250 |
| $50K | $299 | $345 |
| $100K | $522 | $540 |
FTMO prices are displayed in US dollars to match the existing site. Prices and promotions change regularly; check the latest checkout price before purchasing.
Check today’s FundingPips and FTMO prices
Prices and promotions can change. Confirm the current terms before purchasing.
Forex Leverage
FundingPips currently lists 1:100 Forex leverage for 2-Step Standard. It applies dynamic leverage rules to certain asset classes on Master Accounts, including metals, energies and indices. FTMO leverage can vary by instrument and account type, so check its latest specification before choosing a plan.
News Trading
FundingPips
During evaluation, current Standard rules state there are no restrictions on holding trades through high-impact news. Master-account rules are different and should be checked separately.
FTMO
News trading is allowed during evaluation. Funded-stage restrictions can depend on account type, so check the current Standard or Swing account rules.
Weekend Holding
FundingPips
Weekend holding is allowed during evaluation. A temporary restriction introduced in January 2026 prevents weekend holding on current Standard Master Accounts.
FTMO
Standard and Swing conditions differ. Swing is designed for traders who need weekend-holding flexibility; check the current account rules before purchasing.
Account Activity and Risk Rules
FundingPips uses additional conditions on some Master Account sizes, including a Risk Per Trade Idea framework and Striking System. These are separate considerations from the headline daily and overall drawdown limits, so traders should review the rules for the exact account size they intend to use.
Our funded account guide will cover how evaluation and funded-stage rules can differ.
FundingPips May Suit Traders Who…
- Value the lower 8% Phase 1 target
- Prefer three minimum trading days per phase
- Want multiple reward-cycle options
- Need up to 1:100 Forex leverage
- Want evaluation news and weekend-holding flexibility
Trade-offs: Master-account rules are more detailed, some payout options have consistency conditions, and current Master accounts include weekend and risk-per-trade restrictions.
Explore the latest FundingPips offer or compare FTMO
Prices and promotions can change. Confirm the current terms before purchasing.
FTMO May Suit Traders Who…
- Value a long-established 2-Step structure
- Want a refundable 2-Step fee after the first eligible Reward
- Prefer unlimited evaluation time
- Want access to up to a 90% reward share
- Prefer a straightforward 5% daily and 10% maximum loss structure
Trade-offs: FTMO has a 10% Phase 1 target, four minimum trading days, and account-specific funded trading restrictions that should still be checked.
Explore the latest FTMO offer or compare FundingPips
Prices and promotions can change. Confirm the current terms before purchasing.
Main Differences
FundingPips
- 8% then 5% targets
- 3 minimum days per phase
- 5% daily / 10% static loss
- Multiple payout structures
- Detailed Master-account conditions
FTMO
- 10% then 5% targets
- 4 minimum trading days
- 5% daily / 10% maximum loss
- Unlimited evaluation period
- Refundable fee after first eligible Reward
- Up to 90% reward share
The headline drawdown is similar, but the evaluation target, minimum-day requirement, payout structure and funded-stage rules differ significantly.
Final Thoughts
FundingPips currently has the lower first-stage target, while FTMO uses a higher first-stage target but offers a long-established 2-Step structure with unlimited time and a refundable fee after the first eligible Reward. Compare the profit target, drawdown, minimum days, payout conditions, news rules, weekend rules, leverage, platform support and funded-stage restrictions before choosing.
Prop Firm Family helps traders compare challenge rules, payouts and funded-account conditions clearly before paying for an evaluation.
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Prices and promotions can change. Confirm the current terms before purchasing.
Frequently Asked Questions
What is the FundingPips 2-Step profit target?
FundingPips Standard currently requires 8% in Phase 1 and 5% in Phase 2.
What is the FTMO 2-Step profit target?
FTMO currently requires 10% in the Challenge and 5% in Verification.
What is the maximum drawdown on FundingPips 2-Step?
FundingPips Standard currently uses a 5% daily loss limit and 10% static maximum loss.
What is the FTMO maximum drawdown?
FTMO currently uses a 5% maximum daily loss and 10% maximum loss on its 2-Step Challenge.
How many trading days does FundingPips require?
FundingPips Standard currently requires three minimum trading days in each evaluation phase.
How many trading days does FTMO require?
FTMO currently requires four minimum trading days.
Does FTMO have a time limit?
FTMO currently offers unlimited evaluation time on its 2-Step Challenge.
Does FundingPips allow weekend holding?
It currently permits weekend holding during evaluation, but Master Accounts have a temporary weekend-holding restriction under current Standard rules.
Does FTMO refund the challenge fee?
The 2-Step fee is currently refunded with the first eligible Reward after successfully completing the evaluation and reaching the FTMO Account stage.
Official Sources
Rules checked against official provider information on 1 October 2026. Terms can change at any time.