FTMO vs FundingPips: Which Prop Firm Is Better in 2025?

FTMO vs FundingPips—which prop firm is really worth your time? Many traders jump in, fail the challenges, and lose their fees, all because they didn’t pick a firm that matched their strategy. Don’t make that mistake. This detailed comparison reveals everything—funding options, rules, payouts, and trader-friendly features—so you can choose wisely and start trading on the right path.

FTMO vs FundingPips: Overview

Founded / HQ	2015 / Czech Republic	2022 / Dubai
Evaluation Model	Two-step challenge	One-step challenge
Account Sizes	$10,000 – $200,000 (Up to $400K combined)	$5,000 – $100,000 (Up to $300K combined)
Profit Split	Up to 90%	Up to 95%
Scaling Plan	Yes, up to $2M	Yes, up to $2M
Trading Restrictions	No news trading, no weekend holding (unless Swing account)	No restrictions (news, weekend, swing trading allowed)
Payout Frequency	Bi-weekly, can be adjusted	Weekly
Leverage	Up to 1:100	Up to 1:100
Spreads & Fees	Institutional-grade, low spreads	Depends on partnered broker
Refundable Fee	Yes, refunded after first withdrawal	Yes, refunded after first withdrawal
Website	Visit FTMO →	Visit FundingPips →

FundingPips vs FTMO: Company Background

When choosing a prop trading firm, reputation and trustworthiness matter. FTMO, founded in 2015 and based in the Czech Republic, is one of the most recognized firms in the industry. It serves traders in over 180 countries and has funded thousands of traders, with payouts exceeding $250 million. Its structured evaluation process and strong risk management policies have made it a go-to choice for traders looking for long-term stability.

FundingPips, on the other hand, is a newer firm but has quickly gained traction since its launch in 2022. Based in Dubai, it has rapidly expanded its user base, attracting more than 750,000 traders across over 195 countries. In 2024, FundingPips traders globally earned $100+ million. While FTMO is known for its time-tested approach, FundingPips sets itself apart with faster challenge completion, higher profit splits, and flexible risk parameters. This makes it an appealing option for traders looking for quick funding and aggressive scaling opportunities.

Both firms offer traders the opportunity to manage large accounts, but the path to getting funded is different. FTMO follows a more traditional evaluation model, designed to test a trader’s consistency and discipline. FundingPips, however, has a more aggressive funding approach, with faster payout cycles and a higher profit split. But before you can start trading with their capital, you need to pass their evaluation process.

FTMO vs FundingPips: Evaluation Process & Challenges

Getting funded isn’t just about clicking “buy” and “sell.” Both FTMO and FundingPips require traders to pass a challenge that proves their ability to manage risk and generate profits. FTMO’s challenge has two phases: Phase 1 requires traders to hit a 10% profit target within 30 days, while Phase 2 lowers the target to 5% in 60 days. FundingPips also has a two-phase model, but with different risk parameters. Some of their account options allow for a higher profit split but stricter daily drawdown limits.

The biggest difference? FTMO allows a maximum daily loss of 5% and an overall loss of 10%, which gives traders room to recover from a bad day. FundingPips’ loss limits vary between 3-5% daily and 5-10% overall, depending on the account type you choose. This means traders who prefer more breathing room may find FTMO’s structure more forgiving, while those who trade with precision may prefer FundingPips’ higher payouts.

Both firms require traders to follow specific rules, such as minimum trading days, time limits, and risk management guidelines. FTMO enforces a minimum of 10 trading days per phase, ensuring traders are consistent rather than lucky. FundingPips, however, allows traders to pass their challenge in as little as four days, making it a faster option for skilled traders.

While both firms demand discipline, the choice comes down to trading style and risk appetite. If you prefer a structured approach with more flexibility in risk management, FTMO may be the better fit. But if you’re confident in your strategy and want to scale up fast, FundingPips’ higher profit splits and quick challenge completion may be more appealing.

Once you pass the evaluation, the real opportunity begins—managing a funded account. But how do their trading conditions compare? Let’s take a look.

Funded Accounts & Trading Conditions

Once traders pass the evaluation, they gain access to a funded account where they can start earning real profits. FTMO provides funded accounts with balances ranging from $10,000 to $200,000, offering a profit split of up to 90% after successfully scaling up.

One of FTMO’s key advantages is its consistently tight spreads, low commissions, and access to institutional-grade liquidity. Traders can use any strategy, including scalping, swing trading, and even news trading, as long as they follow the risk parameters. However, FTMO prohibits holding trades over the weekend unless using its Swing account, which has slightly different conditions.

FundingPips, on the other hand, provides funded accounts from $5,000 to $100,000, with the ability to scale up to $300,000 in combined accounts. One of its biggest advantages is its higher flexibility, allowing weekend holding, news trading, and no minimum trading days. The profit split can go as high as 95%, making it one of the most competitive in the industry. However, spreads and commissions depend on the broker FundingPips partners with, which could mean slightly higher trading costs for some.

Both firms provide solid trading conditions, but the best choice depends on your priorities. FTMO excels in structure, risk management, and trading conditions suited for precision-focused traders. FundingPips offers more relaxed rules, higher potential profit splits, and greater scaling flexibility.

Trading Platforms: FTMO vs FundingPips

Both FTMO and FundingPips provide access to industry-standard trading platforms, but there are key differences. FTMO supports MetaTrader 4 (MT4), MetaTrader 5 (MT5), and DXtrade, giving traders a wide range of options depending on their preferences. MT4 is known for its simplicity, MT5 offers more advanced features, and cTrader provides a modern interface with better order execution.

FundingPips, on the other hand, primarily offers MT4 and MT5, which are still widely used but lack the additional option of cTrader. If you rely on algorithmic trading or need flexibility across multiple platforms, FTMO has the edge. However, if you are comfortable with MT4 or MT5, both firms offer a solid trading experience.

Now that you’ve seen the types of trading platforms they offer, how do payouts work? Let’s break it down.

FTMO vs FundingPips: Payouts & Profit Splits

When it comes to payouts, both firms offer competitive profit splits, but there are key differences in structure and speed. FTMO provides up to a 90% profit split after traders scale their accounts. The default split starts at 80/20 in favor of the trader. One standout feature is FTMO’s bi-weekly payout system, meaning traders can withdraw profits every 14 days. Additionally, FTMO allows traders to request an early payout after their first profit withdrawal.

FundingPips, on the other hand, offers an even higher potential profit split of up to 95%, making it one of the most rewarding in the industry. The default split starts at 80/20, similar to FTMO.

FundingPips also offers flexible withdrawal schedules, allowing traders to request payouts as early as seven days after their first profitable trade. This is a major advantage for traders looking for faster access to their funds.

Next, let’s dive into the trading rules and restrictions that could impact your strategy.

FTMO vs FundingPips: Trading Rules & Restrictions

Every prop firm has rules to ensure traders maintain risk discipline, and this is where FTMO and FundingPips differ significantly. FTMO has strict risk parameters, including daily and overall drawdown limits (5% daily, 10% overall), which means traders need to manage risk carefully. Weekend holding is not allowed unless you opt for the Swing account, and high-frequency trading (HFT), copy trading, and certain algorithmic strategies are restricted.

FundingPips enforces a similar 5% daily drawdown and 10% overall drawdown, but it stands out with fewer trading restrictions. Traders are allowed to hold trades over the weekend, trade during news events, and use EAs (expert advisors) or copy trading. This makes FundingPips a more flexible option for traders who want fewer limitations on their strategy.

If you prefer a structured trading environment with tighter controls, FTMO’s rules will suit you better. However, if you value freedom in strategy execution, FundingPips provides a more accommodating trading environment.

Now, let’s explore which platform offers the best support, resources, and overall trader experience.

Community & Support

A strong community and reliable support system can make a huge difference, especially for traders navigating the challenges of prop trading. FTMO has a well-established presence, with an active online community, regular market updates, educational resources, and trading psychology support. Their customer support is known for being responsive and professional, offering live chat, email, and phone assistance. Additionally, FTMO frequently engages with traders through webinars, YouTube content, and social media, keeping the community well-informed.

FundingPips is a newer firm, but it is quickly building a solid reputation for engaging with traders through Discord, Telegram, and other online forums. Their customer support is available via email and live chat, though response times may not be as fast as FTMO’s during peak hours. FundingPips also provides some educational materials, but they are not as extensive as FTMO’s structured content.

So if you are a trader who wants a large, experienced trading community and in-depth educational support, FTMO has the upper hand. However, FundingPips offers a growing community with direct engagement on social platforms, which some traders may prefer.

FundingPips vs FTMO: Fees

Before committing to a prop firm, understanding the cost structure is crucial. FTMO’s evaluation fees range from $155 for a $10,000 account to $1,080 for a $200,000 account. These fees are one-time payments and fully refundable once a trader passes the evaluation and qualifies for a funded account. FTMO does not charge any hidden fees beyond the initial evaluation.

FundingPips has a lower cost barrier, with evaluation fees starting at $49 for a $5,000 account and going up to $499 for a $100,000 account. Like FTMO, the fee is refundable upon successful completion of the challenge. Since FundingPips allows traders to scale up to $300,000 in combined accounts, some may find it a more affordable route to managing larger capital.

Both firms offer transparent pricing and refund policies, making them competitive choices. FTMO’s higher fees reflect its premium trading conditions and extensive resources, while FundingPips provides a cost-effective alternative with flexible scaling opportunities.

Now that we’ve covered costs, let’s examine how each firm ensures traders remain compliant with their rules.

FTMO vs FundingPips: Pros & Cons

Both FTMO and FundingPips offer great opportunities, but they cater to different types of traders. Here’s a breakdown of their strengths and weaknesses:

FTMO

✅ Pros:

• Established industry leader with a solid reputation.
• Tight spreads and institutional-grade trading conditions.
• Structured evaluation process that rewards disciplined traders.
• Generous scaling plan for long-term growth.
• Strong risk management support.

❌ Cons:

• Strict rules on consistency, daily drawdown, and max loss.
• Two-step evaluation process can feel lengthy.
• Restrictions on news trading and weekend holding (unless on a Swing account).

FundingPips

✅ Pros:

• Simple evaluation process with no minimum trading days.
• High profit split (up to 95%).
• Allows news trading, weekend holding, and swing trading.
• Rapid scaling potential with fewer restrictions.
• Lower entry barrier with flexible account sizes.

❌ Cons:

• Trading conditions depend on partnered broker (spreads/commissions may vary).
• Newer firm with a shorter track record compared to FTMO.
• Less structured risk management framework, requiring traders to be more self-disciplined.

While FundingPips is growing, it doesn’t yet have the long-established track record that FTMO boasts.

FTMO vs FundingPips: Which One Should You Choose?

Choosing between FTMO and FundingPips depends on your trading style and priorities. If you prefer structure, a proven track record, and a well-established firm with institutional trading conditions, FTMO is the better choice. Its rules may be stricter, but for disciplined traders, it offers a premium trading experience with top-tier liquidity and strong risk management support.

On the other hand, if you value flexibility, faster scaling, and fewer restrictions, FundingPips might be a better fit. It’s ideal for traders who want fewer limitations on their strategy, whether that’s news trading, swing trading, or trading over weekends. Additionally, the higher profit split can be a major advantage for those looking to maximize earnings.

At the end of the day, the right choice comes down to how you trade. If precision, risk control, and a long-standing reputation matter to you, FTMO is the way to go. If you want freedom, higher payout potential, and fewer trading restrictions, FundingPips is worth considering.

Conclusion

Trading with a prop firm isn’t just about passing a challenge—it’s about finding a company that aligns with your trading style, psychology, and long-term goals. FTMO and FundingPips both provide pathways to success, but the key to profitability isn’t just the firm you choose—it’s how well you adapt to their model.

Success in prop trading is about more than just strategy; it’s about discipline, consistency, and knowing when to push your limits and when to play it safe. Whichever firm you choose, your mindset and execution will ultimately determine your success. Choose wisely, trade smart, and let the profits follow.

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FAQs About FTMO vs FundingPips

1. Is FTMO better than FundingPips?
   It depends on your trading style and goals. FTMO has a strong reputation, while FundingPips offers simpler rules and instant funding options. If you prefer a larger community and strict evaluation, FTMO is better. If you want flexibility and quick access to a funded account, FundingPips is a great choice.
2. Which prop firm has an easier challenge, FTMO or FundingPips?
   FundingPips has a simpler evaluation with no time limits and lower profit targets. FTMO has strict rules, including time constraints and consistency requirements. If you want a more relaxed challenge, FundingPips is easier.
3. Who offers higher profit splits, FTMO or FundingPips?
   Both firms offer competitive profit splits. FTMO provides up to 90%, while FundingPips offers up to 95% on some accounts. However, FundingPips’ split applies immediately, while FTMO traders start at 80% and work their way up.
4. Which firm pays traders faster, FTMO or FundingPips?
   FundingPips processes payouts within 24–48 hours, while FTMO pays within 1–2 business days after approval. Both are fast, but FundingPips has an edge in payout speed.
5. Can I trade news and hold trades overnight with FTMO and FundingPips?
   Yes, both firms allow news trading and overnight positions. However, FTMO has stricter restrictions on high-impact news events for some accounts, while FundingPips allows more flexibility.
6. Which prop firm should I choose: FTMO or FundingPips?
   If you want a structured challenge and a long-established firm, go with FTMO. If you prefer relaxed rules, instant funding, and higher profit splits, FundingPips is a strong alternative. Choose based on what suits your trading strategy best.