Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | FundsCap | OneUp Trader |
|---|---|---|
| Payout | ||
| Profit Split | Up to 90% (2-Step) / 70% (Instant) | 100% (first $10,000), then 90% |
| First Payout | - | 14 |
| Payout Frequency | On request (up to 72h processing) | Weekly |
| Max Account Size | $500,000 | $250,000 |
Winner: OneUp Trader
In this independent head-to-head comparison of FundsCap vs OneUp Trader, 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.
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
OneUp Trader: Subscription-based futures prop trading with no phase requirements.
Based on our independent scoring methodology, OneUp Trader scores 8.9/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: FundsCap scores 8.3/10 vs OneUp Trader at 8.9/10.
Minimum Fee: FundsCap starts from $49; OneUp Trader starts from $65/mo. FundsCap is cheaper at entry level.
Profit Split: FundsCap offers Up to 90% (2-Step) / 70% (Instant); OneUp Trader offers 100% (first $10,000), then 90%. OneUp Trader has the higher split.
Platforms: FundsCap supports MT4, MT5; OneUp Trader is on NinjaTrader, Sierra Chart, MultiCharts, TradeStation, Tradovate, and 15+ more.
Tradeable Markets: FundsCap covers Forex, Indices, Commodities, Crypto; OneUp Trader offers Futures (ES, NQ, YM, CL, GC, 6E, and 35+ CME products).
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how FundsCap and OneUp Trader compare on pricing.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
OneUp Trader challenge fees start from $65/mo. The firm has operated since 2016.
On entry-level pricing, FundsCap offers a lower starting fee — an important factor if you are testing with a smaller account first.
FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). OneUp Trader profit split: 100% (first $10,000), then 90%. OneUp Trader delivers the higher cut to traders.
Payout frequency: FundsCap pays On request (up to 72h processing); OneUp Trader pays Weekly. Faster payouts are better for cash flow management.
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.
Here is our full independent review of OneUp Trader:
OneUp Trader is one of the longest-standing futures prop firms in the industry, founded in 2016 and based in Delaware, USA. Rather than a traditional phased evaluation, OneUp uses a monthly subscription model — pay a flat monthly fee for an evaluation account and keep trading until you hit the profit target. There are no Phase 2 requirements.
OneUp uses a trailing max drawdown that locks in at your initial account balance. As your equity rises the drawdown level trails upward, but once it reaches your original starting balance it stops — meaning your maximum total loss from day one is capped at the drawdown amount. There is no daily loss limit, giving traders full flexibility on individual trading days.
Funded traders receive 100% of profits on the first $10,000 earned, then 90% on all profits thereafter. This makes OneUp unusually attractive in the early funded stage. Up to three funded accounts can be held simultaneously (one account for the Express plan).
News trading is prohibited during the funded phase with a 1-minute blackout window around major economic releases. High-frequency trading and latency arbitrage are banned — all positions must be held for at least 10 seconds. A consistency rule applies: the combined net profit of your three next-best trading days must equal at least 80% of your single best day, preventing performance from being dominated by one outlier session. Expert Advisors are permitted for individual accounts; copy trading across accounts is not.
OneUp supports 20+ platforms including NinjaTrader (provided free), Sierra Chart, MultiCharts, TradeStation, and Tradovate. Traders can access 40+ CME futures products including ES, NQ, YM, CL, GC, 6E, and a range of agricultural and currency contracts. Exchange data fees are waived — a meaningful cost saving compared to most futures brokers.
Payouts are processed weekly via bank wire, Bitcoin, USDT, or ETH. Crypto payouts carry a 5% processor fee. A 7-day free trial is available, allowing traders to test the platform before committing to a subscription.
Overall, our independent scoring gives OneUp Trader 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, OneUp Trader scores higher overall (8.9/10). The best choice depends on your trading style, preferred instruments, and account size.
FundsCap offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
OneUp Trader offers the higher profit split. FundsCap: Up to 90% (2-Step) / 70% (Instant). OneUp Trader: 100% (first $10,000), then 90%.
EA policies: FundsCap — check the review. OneUp Trader — check the review. Always verify the latest policy directly with the firm.
News trading: FundsCap — check the review. OneUp Trader — check the review.
Read the full FundsCap review → · Read the full OneUp Trader review →
Based on our scoring methodology, OneUp Trader 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.
FundsCap offers Up to 90% (2-Step) / 70% (Instant) profit split, while OneUp Trader offers 100% (first $10,000), then 90% profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
FundsCap processes first payouts in - day(s), while OneUp Trader takes approximately 14 day(s). Always verify current payout timelines on the firm's website.
Neither FundsCap nor OneUp Trader 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.
