Funding Pips Rules 2026: Every Model, and Where They Disagree

A percentage of the higher of your opening balance or opening equity that day, measured against equity including floating profit and loss.

The reset time is published two ways. The binding terms say 00:00 CEST or server time. The help centre says 00:00 Platform Time, UTC+3. Those are an hour apart, and CEST does not exist for half the year. The help centre version is the one that matches the dashboard countdown.

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On the five evaluation models this is a static percentage of the starting size. Both open and closed losses count, and equity or balance touching the floor is a hard breach with immediate closure and no grace period.

FundingPips Zero is different: a 5% floor that trails your highest ever equity one for one, never moves down, and locks permanently at the starting size once equity reaches 5% up. It does not reset after a reward is processed, so withdrawing profit lowers your balance while the floor stays where your peak equity put it.

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Broader than one trade. A single trade, a trade split into several positions, or a new position in the same direction opened within ten minutes, all count as one position for the risk cap. The help centre adds re-entry within ten minutes of closing a loser.

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Gap trading, high-frequency trading, toxic flow, server spamming, latency arbitrage, hedging, long-short and reverse arbitrage, tick scalping, execution exploits, opposite-account trading and churning, plus all forms of arbitrage. Also listed: overtrading, over-leveraging, gambling behaviour, poor money management, trading in illiquid hours, reverse trading between firms, repeated rapid account failures and all-or-nothing risk.

Nearly all of those describe extraction techniques rather than trading styles, and exist because the challenge model has been attacked persistently.

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A warning fires at 1.2% floating loss on a single trade idea on 2 Step Standard above $25,000, and at 1% on 1 Step Flex at every size. The first warning deducts that idea’s profit; the second halves your split; the third cuts it to 20%; the fourth closes the account.

As an anti-abuse mechanism it is more proportionate than an outright breach, because it degrades rather than kills. Two things about it are harder to defend: warnings are cumulative for the life of the account and never reset, not even after a reward is paid, and a reduced split is not restored.

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If a single trade idea accounts for more than 60% of the profit target in any evaluation phase, the master account you earn requires four minimum profitable days before every reward request, for the lifetime of that account. It applies at $25,000 and above. One good trade in phase one buys a permanent gate on every payout.

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Copying between your own accounts is permitted, and using your account as a master to an external slave is permitted. Inbound copying and copying between different users are prohibited, and third-party account management is immediate termination.

Third-party expert advisors are allowed only as trade or risk managers. An advisor you wrote yourself may run full automation with proof of ownership, at the firm’s discretion, and it may ask for a live call in which you explain the logic. IP activity is logged.

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The general terms and conditions contain no occurrence of consistency, payout, scaling, profit share, 80%, 85%, 95%, 100% or fourteen days. The entire reward economics, the splits, the cycles, the minimums, the 35% consistency rule, the Striking System and the $400,000 allocation cap, exists only on marketing pages and in the help centre.

The contract binds you to the loss limits, the targets and the minimum days, and promises nothing about what you are paid or when. This is common in the sector rather than unique to Funding Pips, and it is worth knowing before you rely on a published split.

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The firm reserves the right to run mandatory risk assessments monthly, weekly or daily, and to withhold payment until an assessment is satisfactorily completed. Trading is disabled on the account while a reward is processed.

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The minimum request is 1% of the master account size, inclusive of the firm’s split. Card, crypto on USDT or USDC ERC20, Rise from $500 with separate verification, and bank transfer from $500 in selected regions. Processing is one to three working days.

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A single $400,000 maximum allocation is shared across every account you hold, and once KYC is approved on the first account no other account can be used under the same identity. Merging is allowed only between master accounts on the same model, is permanent and irreversible, and after merging the reward cycle of the first purchased account governs.

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There are no refunds. The terms state the customer “is not entitled to a refund of the registration fees because the service is delivered directly after purchase”, and a breach at any stage terminates the account without refund.

Discounted resets are available only within seven calendar days of a breach: 15% off phase one, 10% off phase two, 7% on a master account excluding $100,000. Phase two and master resets restart you from phase one.

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Prime is not purchasable. You enter by invitation, or by self-unlocking after your third reward, spending up to 10% of your master account size. That amount is spent rather than withdrawn, and your master account closes when the Prime account opens. Separate verification and a separate agreement apply.

Prime runs a 2% soft daily loss that pauses trading rather than breaching, an 8% trailing maximum loss, and an 80% split requestable several times a day. Profit you do not request still has the firm’s 20% taken at the end of each trading day. Scaling is published three ways across the site, and the binding Prime terms say scaling “is not automatic” and that reaching a profit target “does not create a right to scaling”.

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The binding terms cap risk at 2% on master accounts of $50,000 and above and 3% below, exempting 2 Step Standard and 2 Step Flex by name and giving 1 Step Flex no exemption. The 1 Step Flex product page says there is no restriction. One help article says the rule does not apply to that model. Another, updated the same day, applies 3% and 2% to it by size.

A trader on a $100,000 1 Step Flex account who follows the page they bought from and risks 3% is in breach of the contract they signed. This is the most consequential divergence on the site.

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Every model card on the trading objectives page says overnight and weekend holding is allowed. The help centre says weekend holds have been suspended on master accounts across all four standard models since 29 January 2026. Both contracts are silent, so the help centre governs.

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“Allowed” on every model card. “Forbidden” in the binding Responsible Trading Policy. Permitted-but-not-for-the-spike in the help centre. Three published positions on a rule that can terminate an account.

On 27 August 2026 the help centre article was rewritten. Data releases keep a fixed restricted window of five minutes either side. Speeches were given a different one: “Restricted window runs from 10 minutes before the speech begins until 10 minutes after it concludes.”

Named, and then unnamed. When this page was first verified on 25 August 2026, the firm’s high-impact list explicitly included Trump speeches and posts on X. Following trader reaction, the article was rewritten on 27 August and that naming was removed. What remains is the speech restriction itself. No correction notice was published on the firm’s own channels, and the article carries no revision history, so a trader reading it today cannot see that it changed.

A data release happens at a known second. A speech does not have a scheduled end, so the restricted window runs for as long as the speaker does, and a trader cannot know its length in advance. “Speeches” is named in the affected-announcements list for both USD and EUR.

The exemption is the part worth knowing: a trade opened five hours or more before the event keeps its profit even if it closes inside the window. Otherwise the full profit of that trade is deducted, not just the portion earned in the window, closing part of an order flags the whole order, and the trader carries the risk if the deduction itself breaches the daily or maximum loss limit.

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