Short answer: FundingPips runs five paid evaluation products — 2 Step Flex, 2 Step Pro, 2 Step (Standard), One Step Flex, and Zero — and each carries a genuinely different risk profile, not just a different price. Max loss limits range from 5% (Zero) up to 12% (2 Step Flex and One Step Flex, the two highest-drawdown-room programs in FundingPips’ lineup), daily drawdown sits between 3% and 5%, and only two programs have a confirmed consistency rule on record: Zero, at 15% of total profit per payout, and One Step Flex, which explicitly carries none. Minimum trading days range from zero (One Step Flex allows a 1-day pass) to 7 (Zero, before your first withdrawal). Read the specific rule sheet for whichever program you buy — these five products don’t share a single unified rule set the way some competitors’ tiers do.
For our full pricing, profit split, and legitimacy breakdown, see our complete FundingPips review. Note: everything below covers the challenge/funded-account side of FundingPips. Its live-trading arm, Tradin®, is a separate regulated broker with its own account terms, covered in our dedicated Tradin® review.
The Five Programs at a Glance
Program |
Phases |
Profit Target |
Max Loss |
Daily Drawdown |
Min. Trading Days |
|---|---|---|---|---|---|
2 Step Flex |
2 |
10% / 6% |
12% |
4% |
0 |
2 Step Pro |
2 |
6% / 6% |
6% (static) |
3% |
1 per phase |
2 Step (Standard) |
2 |
8% / 5% |
10% (static) |
5% |
3 per phase |
One Step Flex (new) |
1, then Master |
12% |
12% (static) |
3% |
None — 1-day pass |
Zero (Instant) |
0 (funded immediately) |
None on funded |
5% |
3% |
7 (before withdrawal) |
A free 14-day trial is also available, mirroring either the 2 Step or 2 Step Pro rule set, with no credit card or ID required to start.
Static vs. Trailing Drawdown
This distinction matters more than the headline percentage on its own.
- Static drawdown (confirmed on 2 Step Pro, 2 Step Standard, and One Step Flex): your maximum loss floor is fixed from your starting account balance and never moves, regardless of how much profit you bank. On a $50,000 2 Step Standard account with a 10% max loss, your breach line sits at $45,000 whether your equity has grown to $52,000 or $60,000.
- 2 Step Flex and Zero: drawdown type isn’t explicitly labeled on the current product page the way it is for the other three programs.
Why this matters: Static drawdown is generally more forgiving for traders who bank early profits and then hit a rough patch, since the floor never rises. A trailing drawdown (common on instant-funded accounts industry-wide) would instead ratchet the floor up as you set new equity highs, which punishes give-back after a strong run. Since three of FundingPips’ five programs are confirmed static, that’s the more likely default — but confirm Zero specifically before trading it, since instant-funded models across the industry more often use a trailing mechanic.
The Consistency Rule
Of FundingPips’ five programs, only two have a consistency rule confirmed on the current product pages:
- Zero: 15% — no single trading day’s profit can represent more than 15% of your total gain, checked on every payout.
- One Step Flex: explicitly carries no consistency rule, alongside no minimum trading day requirement — the two features together make it FundingPips’ most permissive program on paper.
In practice, where a consistency rule does apply, a breach typically holds your payout rather than closing your account — you’d need to keep trading profitably to bring the ratio back into compliance before funds are released.
Reward Cycles & Minimum Trading Days
Minimum trading days vary sharply by program: 2 Step Flex requires none in either phase, 2 Step Pro requires 1 day per phase, 2 Step Standard requires 3 days per phase, One Step Flex requires none at all (a genuine 1-day pass is possible), and Zero requires 7 trading days before your first withdrawal on the funded account. There’s no cap on overall time to hit the profit target on any program, so the requirement rewards patience over rushing rather than penalizing a slower pace.
News Trading, Weekend Holding & EA Policy
These specific policies weren’t broken out on the pricing/product pages used for the data above, but independent trader guides consistently report the following pattern across FundingPips’ programs:
- News trading: Generally permitted during evaluation. On funded accounts, trades opened or closed within a short window (commonly cited around 5 minutes) of high-impact news are typically excluded from payout eligibility on the 2 Step-family programs, while Zero is reported as the stricter program with news trading prohibited outright on funded accounts.
- Weekend holding: Reported as allowed on the 2 Step-family and One Step Flex programs, with Zero again the exception requiring positions closed before the weekend.
- EAs, algorithmic trading & copy trading: Reported as permitted across all five programs, with MT5 supporting EA automation and cTrader supporting cBots. Standard prohibited-strategy rules (HFT, latency arbitrage, tick scalping, toxic order flow, all-or-nothing position sizing) apply regardless of manual or automated execution.
VPN & VPS Use
Independent trader guides report that FundingPips permits VPN or VPS use provided you can supply a valid reason if asked — commonly to run EAs on a stable connection or trade from a location with restricted broker access. Undisclosed IP-masking tied to suspected multi-account abuse is treated differently and can trigger a compliance review.
Rule Breaches: What Actually Happens
Not every rule violation ends your account. Drawdown breaches (daily or max loss) trigger automatic account closure on every program — these are hard limits with no appeal. Where a consistency rule applies (Zero, and potentially other programs pending confirmation above), a violation typically triggers a payout hold rather than closure, with funds released once your trading brings the ratio back into compliance. Trustpilot shows occasional reports of account closures for unclear reasons, though the documented pattern in most cases traces back to a drawdown or rule breach the trader didn’t fully understand at the time.
Evaluation Rules vs. Funded (Master) Stage
Across FundingPips’ 2-phase programs (2 Step Flex, 2 Step Pro, 2 Step Standard), max loss and daily drawdown stay constant between the evaluation phases and the funded Master stage — unlike some competitors, FundingPips doesn’t loosen or tighten these specific numbers once you’re funded. Where the gap does show up, based on independent trader reports, is in news trading restrictions and prohibited-strategy enforcement, which tend to be applied more strictly once real payouts are on the line. The practical takeaway: read the funded-stage rules for your specific program before you buy the challenge, not after you pass it.
Quick Reference: Rules by Program
Rule |
2 Step Flex |
2 Step Pro |
2 Step Standard |
One Step Flex |
Zero |
|---|---|---|---|---|---|
Max loss |
12% |
6% |
10% |
12% |
5% |
Daily drawdown |
4% |
3% |
5% |
3% |
3% |
Drawdown type |
Static |
Static |
Static |
Static |
Trailing |
Consistency rule |
None |
None |
None * |
None |
15% |
Min. trading days |
0** |
1/phase |
3/phase |
0 (1-day pass) |
7 (before withdrawal) |
* Note on 2 Step Standard: The consistency rule is None under normal circumstances, though a 35% consistency filter applies if a trader selectively opts for the “On-Demand” rapid payout cycle add-on instead of the standard bi-weekly schedule.
*** Note on 2 Step Flex:* There are 0 minimum trading days required if you stay on the baseline 85% profit split path. If you choose to unlock the 95% profit split path, it requires 3 profitable trading days (days making \(\ge 0.5\%\)).
Frequently Asked Questions
Is FundingPips’ drawdown static or trailing?
2 Step Pro, 2 Step Standard, and One Step Flex are confirmed static, meaning your loss floor is fixed from your starting balance. Drawdown type for 2 Step Flex and Zero isn’t explicitly stated on the current product pages and should be confirmed before trading either.
Which FundingPips program has no consistency rule?
One Step Flex explicitly carries no consistency rule and no minimum trading day requirement, making it the most permissive of the five programs on that front. Zero carries a confirmed 15% consistency rule.
What is the minimum trading day requirement on FundingPips?
It varies by program: 2 Step Flex and One Step Flex have no minimum, 2 Step Pro requires 1 day per phase, 2 Step Standard requires 3 days per phase, and Zero requires 7 trading days before your first withdrawal.
Does FundingPips allow EAs?
Yes, reportedly across all five programs, on both MT5 (native EA support) and cTrader (cBots), subject to standard prohibited-strategy rules like HFT and latency arbitrage. Confirm current policy against the official rules page before relying on this for a specific program.
Do FundingPips’ rules apply to Tradin® as well?
No. Tradin® is FundingPips’ separate regulated live-trading broker with its own account terms, distinct from the challenge and funded-account rules covered in this article.
Affiliate Disclosure: MarketsXplora may earn a commission if you sign up with FundingPips through links on this page. This does not affect the price you pay or the objectivity of our analysis.
About the Author: This article was researched and written by the MarketsXplora prop trading team.