FundingPips programs compared: which one fits a systematic strategy
Five products, five different rulebooks. The table below puts every FundingPips program on one grid so the choice is made on room, daily limit and reward rules rather than on price.
The five programs side by side
FundingPips sells four evaluations and one instant-funded account, and the differences are structural, not cosmetic: the room to lose ranges from 5% (Zero) to 12% (the Flex pair), the daily limit from 3% to 5%, and the consistency score exists on some reward cycles and not others. Every cell below comes from the help center program pages, checked 29 September 2026.
| Rule | 2 Step Standard | 2 Step Pro | 2 Step Flex | 1 Step Flex | Zero |
|---|---|---|---|---|---|
| Phases | 2 | 2 | 2 | 1 | none (Master from day one) |
| Profit targets | 8% then 5% (the 10% variant was discontinued 24 Jul 2026) | 6% then 6% | 10% then 8% | 12% | none |
| Maximum loss | 10% static | 6% static | 12% static | 12% static | 5% trailing on equity, locks at breakeven once 5% in profit |
| Daily loss | 5% (3% add-on removes minimum days) | 3% | 4% | 3% | 3% |
| Minimum days to pass | 3 per phase (0 with the 3% daily add-on) | 2 per phase for accounts bought from 26 Aug 2026 (1 before) | 80% split: 1 per phase; 95% split: 3 profitable days per phase | none | n/a |
| Single-trade-idea policy (accounts of $25K+ bought from 27 Jun 2026) | a trade idea above 60% of the target does not fail the evaluation but adds 4 profitable days on the Master | same | same | same | n/a |
| Master split | weekly 60% · bi-weekly 80% · monthly 100% · On Demand 90% | 80% weekly | 80% or 95%, chosen at purchase | 85% bi-weekly | 95% bi-weekly |
| Consistency at reward | 35% on On Demand; also on Monthly for accounts bought from 15 Aug 2026 | 35% score for accounts bought from 15 Aug 2026 | none on the bi-weekly splits | none | 15% at every reward |
| Profitable-day gate | 7 days of 0.5%+ on the cycles that carry the score (from 15 Aug 2026) | 7 days of 0.5%+ (from 15 Aug 2026) | 95% split: 3 profitable days per cycle | none | 7 days of 0.25%+ per 30-day cycle |
| Striking System (1% loss per trade idea) | on Master Accounts above $25K | yes | not on the bi-weekly splits | on all 1 Step Flex Master Accounts | risk per trade idea capped at 1%; breach closes the account |
| Overnight and weekend on the Master | positions auto-closed daily (20:45–21:00 UTC summer); weekend block | not allowed | not allowed | not allowed | not allowed; 3% profit cushion non-withdrawable |
| News on the Master | allowed, with profit deductions near high-impact releases | allowed with deductions | allowed with deductions | allowed with deductions | hard breach, 10-minute window |
| Leverage (standard) | FX 1:100, metals 1:30, indices 1:20, energies 1:10, crypto 1:2 (swing and no-swap tiers lower) | same | same | same | FX 1:50, metals 1:20 |
| Sizes | $5K–$100K | up to $200K | $5K–$100K | $5K–$100K | up to $200K |
Which program for a systematic strategy
2 Step Standard is the widest evaluation on the daily side (5%) and the only one with the four-cycle reward choice; pick Weekly or Bi-Weekly and no consistency score applies. Its Master Account closes positions every day in a fixed window, so a strategy that holds through the close does not fit.
2 Step Flex has the most room overall (12%) and, on the bi-weekly splits, no Striking System and no score; the 95% split adds 3 profitable days per phase and per cycle. For a coded strategy that produces a steady stream of small days this is the highest-paying route.
2 Step Pro trades room for speed: 6% target per phase with a 6% maximum loss and 3% daily. One losing session at a normal position size is a third of the daily limit. Only for strategies with very small per-trade risk.
1 Step Flex is the fastest pass (12% target, no minimum days) but the Master adds a 1% risk cap per trade idea through the Striking System and an 85% split.
Zero skips the evaluation and replaces it with the most rules: trailing floor, 15% score, 7 profitable days per 30, 1% per trade idea, news as a hard breach. It suits strategies that trade almost daily with similar-sized wins.
What changed in 2026
- 24 July: the 10% target on 2 Step Standard discontinued; those accounts reset as 2 Step Flex at 85%.
- 27 June: the 60% single-trade-idea policy for evaluations of $25,000 and above.
- 15 August: the 35% score, 7 profitable days and the Striking System extend to the Monthly cycle and to 2 Step Pro Masters bought from that date.
- 26 August: 2 Step Pro minimum days 1 → 2 per phase; 2 Step Flex Phase 2 gets 1 minimum day on the 80% split.
- 29 January: temporary weekend-holding block on Master Accounts across models.
Payout mechanics per cycle are on FundingPips payout cycles; the score itself on the 35% and 15% consistency score; the instant account on FundingPips Zero rules.
FundingPips Zero rules: what replaces the evaluation
Section merged from the former standalone article on 8 October 2026; figures as verified at that date.
Every Zero rule
Zero is the FundingPips account with no evaluation, priced above the challenges. What replaces the evaluation is the densest rulebook in the lineup; the table lists it in full.
| Rule | Zero |
|---|---|
| Evaluation | none; the account is a Master from day one |
| Maximum loss | 5% trailing on the highest recorded equity, intraday; locks at breakeven once the account is 5% in profit |
| Daily loss | 3% |
| Risk per trade idea | 1% of the account; a breach closes the account |
| Consistency | 15% at every reward: biggest day divided by cycle profit |
| Profitable days | 7 days of at least 0.25% in every 30-day cycle before a reward; biggest loss may not exceed biggest win |
| Safety cushion | the first 3% of profit is not withdrawable |
| News | hard breach: no trading within 10 minutes either side of high-impact releases |
| Overnight and weekend | not allowed on the Master |
| Split and cadence | 95%, every 14 days |
| Leverage | FX 1:50, metals 1:20 (lower than the evaluations) |
| Sizes | up to $200,000 |
| Inactivity | 30 days without a trade is a hard breach, as on every FundingPips account |
What this means for a systematic strategy
Three rules interact. The 1% cap per trade idea is a hard stop the strategy must respect at the order level, not only at the daily level. The 5% trailing limit follows intraday equity, so open profit that is given back moves the floor up and then counts as loss. And the 15% score plus 7 profitable days of 0.25% per 30 days require a strategy that trades nearly every day with similar-sized results: a system that wins twice a month cannot clear the day count, and a system with one large day cannot clear the ratio.
The profile that fits: high-frequency, small per-trade risk (well under 1% including slippage), many small winning days, no positions over news and none overnight. A swing or event-driven strategy belongs on 2 Step Standard or Flex, where the room is 10–12% static and the score can be avoided by choosing the Bi-Weekly cycle.
The score mechanics and reward cycles are covered separately; the full rules card is at FundingPips rules.
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FAQ
Which FundingPips program has the most drawdown room?
2 Step Flex and 1 Step Flex, both with a 12% static maximum loss. 2 Step Standard has 10%, 2 Step Pro 6%, and Zero a 5% trailing limit.
Which FundingPips program has no consistency rule?
1 Step Flex has none, and 2 Step Flex has none on its bi-weekly splits. On 2 Step Standard the 35% score applies only to the On Demand cycle and, for accounts bought from 15 August 2026, the Monthly cycle. Zero carries 15% at every reward.
Can I hold over the weekend on a FundingPips Master Account?
Not in 2026: a temporary block applies across models since 29 January, and 2 Step Standard Master Accounts are auto-closed daily in a fixed window. Weekend holding remains allowed during evaluation phases.
What is the 60% single-trade-idea rule?
For evaluation accounts of $25,000 or more bought from 27 June 2026, a single trade idea worth more than 60% of the profit target does not fail the evaluation but requires at least 4 profitable days on the Master Account before rewards.
Does FundingPips Zero have an evaluation?
No. The account is a Master Account from the first trade, with a 5% trailing maximum loss instead of a static one and a denser set of reward rules.
What is the FundingPips Zero consistency rule?
15% at every reward: the biggest single-day profit may not exceed 15% of total profit in the cycle, plus 7 profitable days of at least 0.25% in each 30-day cycle.
Can I trade news on FundingPips Zero?
No. Trading within 10 minutes either side of high-impact releases is a hard breach on Zero, unlike the evaluations where news trading is allowed with profit deductions.
What is the risk per trade limit on Zero?
1% of the account per trade idea, closed plus floating; a breach closes the account.
Source: the firm’s help center and program pages, cross-checked with the FundingPips rules card, September 2026. Rules change quarterly; the help center is binding.