Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | FTMO | FundingPips |
|---|---|---|
| Payout | ||
| Profit Split | 80% → 90% | 80% → 90% |
| First Payout | 30 | 5 |
| Payout Frequency | Bi-weekly (first after 30 days) | Every 5 days (Tuesdays) |
| Max Account Size | $200,000 | $100,000 |
In this independent head-to-head comparison of FTMO vs FundingPips, 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.
FTMO: The Original Prop Firm, Proven Since 2015
FundingPips: The Fastest Payout Cycle in Prop Trading
Based on our independent scoring methodology, FTMO scores 9.8/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: FTMO scores 9.8/10 vs FundingPips at 9.6/10.
Minimum Fee: FTMO starts from $155; FundingPips starts from $36. FundingPips is cheaper at entry level.
Profit Split: FTMO offers 80% → 90%; FundingPips offers 80% → 90%. FundingPips has the higher split.
Platforms: FTMO supports MT4, MT5, cTrader, DXtrade; FundingPips is on cTrader, Match Trader, MT5.
Tradeable Markets: FTMO covers Forex, Metals, Indices, Crypto, Stocks; FundingPips offers Forex, Metals, Energy, Indices, Crypto.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how FTMO and FundingPips compare on pricing.
FTMO challenge fees start from $155. The firm has operated since 2015. They have funded over 3,500,000+ traders. Total payouts to date: $500M+.
FundingPips challenge fees start from $36. The firm has operated since 2022. Total payouts to date: $260M+.
On entry-level pricing, FundingPips offers a lower starting fee — an important factor if you are testing with a smaller account first.
FTMO profit split: 80% → 90%. FundingPips profit split: 80% → 90%. FundingPips delivers the higher cut to traders.
Payout frequency: FTMO pays Bi-weekly (first after 30 days); FundingPips pays Every 5 days (Tuesdays). Faster payouts are better for cash flow management.
Here is our full independent review of FTMO:
FTMO is the firm that defined the modern prop trading industry. Founded in January 2015 in the Czech Republic, FTMO pioneered the two-phase evaluation model that dozens of firms have since copied, and remains the benchmark against which every funded trading program is measured. With $500M+ paid out to traders across 140+ countries and a 4.8/5 Trustpilot rating, its track record is unmatched in the space.
The firm operates on simulated capital — funded accounts use fictitious funds that mirror live market conditions, with profits paid as rewards. This structure is explicitly stated and legally compliant across most jurisdictions. For traders who want certainty above all else, FTMO remains the default choice.
FTMO suits professional and semi-professional traders who trade forex, metals, indices, or commodities on MetaTrader, cTrader, or DXtrade. The evaluation process is disciplined and methodical — it rewards consistent traders, not lucky ones.
It is less suitable for traders seeking instant funding, very short payout cycles, or crypto futures trading. FTMO’s monthly payout model and 30-day waiting period for the first reward are trade-offs you accept for the credibility and payout certainty that come with the most established name in the industry.
FTMO offers two evaluation formats, plus a free trial:
Challenge fees are refunded on your first profit reward. Account sizes from $10,000 to $200,000, with scaling up to $400,000 through FTMO’s Scaling Plan.
2-Step Program:
1-Step Program:
News trading is restricted on Standard 2-Step FTMO Accounts but allowed during the evaluation phases. Swing accounts have no such restrictions.
FTMO supports the widest platform range in the prop firm industry:
Tradable assets cover forex pairs, metals (gold, silver), indices, commodities, and crypto (CFDs). This is one of the broadest instrument sets in funded trading.
FTMO earns a 9.1 BestProp score — the highest we award. It is not the cheapest, fastest, or most flexible prop firm. But it is the most proven, with a decade of operation, $500M+ paid, and a transparent legal structure that has been tested across multiple regulatory environments.
If you are a serious trader looking for a funded account you can build a long-term career on, FTMO is where you start. The 30-day first payout and monthly cycle are the only real trade-offs, and they are worth it for the certainty you get in return.
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.
Overall, our independent scoring gives FTMO the edge in this 2026 comparison. However, both firms have their merits. If FundingPips 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, FTMO scores higher overall (9.8/10). 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.
FundingPips offers the higher profit split. FTMO: 80% → 90%. FundingPips: 80% → 90%.
EA policies: FTMO — check the review. FundingPips — check the review. Always verify the latest policy directly with the firm.
News trading: FTMO — check the review. FundingPips — check the review.
Read the full FTMO review → · Read the full FundingPips review →
Based on our scoring methodology, FTMO 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.
FTMO offers 80% → 90% profit split, while FundingPips offers 80% → 90% profit split. Check each firm's current terms as these can change.
Yes! FTMO has code BESTPROP. FundingPips has code 916E318D. Use these at checkout to save on your challenge fee.
FTMO processes first payouts in 30 day(s), while FundingPips takes approximately 5 day(s). Always verify current payout timelines on the firm's website.
Neither FTMO nor FundingPips 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.
