Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | FundingPips | FundsCap |
|---|---|---|
| Payout | ||
| Profit Split | 80% → 90% | Up to 90% (2-Step) / 70% (Instant) |
| First Payout | 5 | - |
| Payout Frequency | Every 5 days (Tuesdays) | On request (up to 72h processing) |
| Max Account Size | $100,000 | $500,000 |
In this independent head-to-head comparison of FundingPips vs FundsCap, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
FundingPips: The Fastest Payout Cycle in Prop Trading
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
Based on our independent scoring methodology, FundingPips scores 9.6/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: FundingPips scores 9.6/10 vs FundsCap at 8.3/10.
Minimum Fee: FundingPips starts from $36; FundsCap starts from $49. FundingPips is cheaper at entry level.
Profit Split: FundingPips offers 80% → 90%; FundsCap offers Up to 90% (2-Step) / 70% (Instant). FundsCap has the higher split.
Platforms: FundingPips supports cTrader, Match Trader, MT5; FundsCap is on MT4, MT5.
Tradeable Markets: FundingPips covers Forex, Metals, Energy, Indices, Crypto; FundsCap offers Forex, Indices, Commodities, Crypto.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how FundingPips and FundsCap compare on pricing.
FundingPips challenge fees start from $36. The firm has operated since 2022. Total payouts to date: $260M+.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
On entry-level pricing, FundingPips offers a lower starting fee — an important factor if you are testing with a smaller account first.
FundingPips profit split: 80% → 90%. FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). FundsCap delivers the higher cut to traders.
Payout frequency: FundingPips pays Every 5 days (Tuesdays); FundsCap pays On request (up to 72h processing). Faster payouts are better for cash flow management.
Here is our full independent review of FundingPips:
FundingPips launched in 2022 from Dubai and has since become one of the fastest-growing prop firms in the industry by a significant margin. The numbers are hard to argue with: $260M+ in total rewards paid to traders, 4.7/5 on Trustpilot from over 10,000 reviews, and a 5-day payout cycle that gives traders up to four withdrawals per month. For a firm founded three years ago, this is an exceptional track record.
CEO Khaled Ayesh is publicly visible and actively engaged with the trading community — a transparency marker that matters when evaluating younger firms. FundingPips also runs consistently among the lowest-fee prop firms in the space, with a $5,000 account available for $36.
FundingPips suits forex, commodities, and crypto traders who want a high-frequency payout cycle, permissive trading rules, and low entry costs. The 5-day payout schedule is the standout feature — if cash flow matters to your trading operation, getting paid every Tuesday rather than every two to four weeks is a meaningful difference.
EAs and expert advisors are permitted, news trading is allowed, and crypto trades 24/7 on weekends. The trailing drawdown is the main technical challenge — it follows your highest balance, not just the starting amount, which demands tighter ongoing risk management than static drawdown firms.
FundingPips uses a two-phase evaluation structure called Student → Practitioner → Master:
All fees are refunded after your 4th successful payout — effectively making the challenge free for traders who maintain funded status through four withdrawal cycles. FundingPips also offers 1-Step, Pro, and Zero program variants with different fee and rule structures — check their site for current availability and pricing on those formats.
| Account Size | Fee |
|---|---|
| $5,000 | $36 |
| $10,000 | $66 |
| $25,000 | $158 |
| $50,000 | $278 |
| $100,000 | $529 |
FundingPips earns an 8.8 BestProp score — the second-highest we award. The combination of $260M+ in proven payouts, 4.7/5 Trustpilot from 10,000+ verified reviews, industry-lowest fees, and a 5-day payout cycle makes it one of the most compelling prop firms available in 2026.
The trailing drawdown is the only significant challenge — it requires ongoing discipline to avoid giving back gains and seeing your drawdown limit tighten with every new high. Traders who understand trailing drawdown mechanics and manage it actively will find FundingPips one of the best-value funded trading programs on the market.
Here is our full independent review of FundsCap:
FundsCap was founded in 2023 and operates through a Saint Lucia-registered entity with a physical office in Costa Rica. The firm has attracted 38,000+ traders and holds a 4.6/5 Trustpilot rating with 89% five-star reviews. FundsCap won two categories at the FundedTrading Awards 2025: Best Two Step Challenge and Best Prop Firm for Beginners. Maximum account size on the 2-Step program is $500,000. All accounts operate on MetaTrader 4 and MetaTrader 5.
The 2-Step program stands out for its 12% maximum drawdown — significantly wider than the 8-10% typical among competitors — paired with a 6% daily loss limit. This gives traders meaningful room to manage normal daily volatility without account termination. Zero payout fees and no inactivity cost outside the 15-day trading requirement add to the operational cleanliness.
2-Step Challenge ($49-$2,389 for $5K-$500K): Phase 1: 8% profit target. Phase 2: 5% profit target. Daily loss: 6% (balance-based). Max drawdown: 12% (balance-based, static). No time limit on either phase. Up to 90% profit split on funded accounts. Minimum account reset fee: 10% of the challenge price. A 15-day inactivity rule applies — at least one trade must be placed within any 15-day window. Best in class for maximum drawdown buffer among standard evaluation programs.
Instant Challenge ($258-$978 for $25K-$100K): No profit target. Daily loss: 3%. Max drawdown: 8% (static). 70% profit split. Immediate funded access without evaluation. Available only up to $100K — smaller range than the 2-Step program. Tighter daily limit (3%) offsets the lower maximum drawdown requirement.
Platforms: MetaTrader 4, MetaTrader 5. Instruments: Forex, Indices, Commodities, Cryptocurrencies. Standard CFD instrument set covering all major categories. $0 withdrawal fees.
FundsCap earns a 7.2 BestProp score. The 12% maximum drawdown on the 2-Step program is the widest buffer available at this price point ($49 for $5K) in the market — this single feature makes FundsCap particularly suitable for traders who employ strategies with higher intraday variance but consistent results over time. The dual FundedTrading Awards 2025 recognition provides third-party validation, and 38,000+ traders on a 4.6/5 Trustpilot is a solid credibility foundation for a two-year-old firm.
Watch points: the Instant Challenge is limited to $100K maximum and pays only 70% — traders seeking both instant access and high split will need to look elsewhere. The 15-day inactivity closure rule is stricter than most competitors. Payout methods are not clearly published on the main website — confirm withdrawal options before purchasing larger accounts. The Saint Lucia/Costa Rica entity structure is common but adds a layer of opacity compared to UK or EU-registered competitors.
Overall, our independent scoring gives FundingPips the edge in this 2026 comparison. However, both firms have their merits. If FundsCap better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, FundingPips scores higher overall (9.6/10). The best choice depends on your trading style, preferred instruments, and account size.
FundingPips offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
FundsCap offers the higher profit split. FundingPips: 80% → 90%. FundsCap: Up to 90% (2-Step) / 70% (Instant).
EA policies: FundingPips — check the review. FundsCap — check the review. Always verify the latest policy directly with the firm.
News trading: FundingPips — check the review. FundsCap — check the review.
Read the full FundingPips review → · Read the full FundsCap review →
Based on our scoring methodology, FundingPips edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
FundingPips offers 80% → 90% profit split, while FundsCap offers Up to 90% (2-Step) / 70% (Instant) profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
FundingPips processes first payouts in 5 day(s), while FundsCap takes approximately - day(s). Always verify current payout timelines on the firm's website.
Neither FundingPips nor FundsCap are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
