FTMO vs FundingPips
FTMO
FundingPips
Computed verdict
There isn't a current verified offer on both firms, so we don't call a cost winner. On the overall score, FTMO comes out ahead (83 vs 70).
The verdict is computed from verified data and recomputes when the data changes. It is not an opinion and no commercial arrangement alters it. Methodology
Rule by rule
Max loss is 10% of initial balance — static on the 2-Step and end-of-day trailing on the 1-Step — measured on equity, so floating losses count.
The daily limit is a % of the HIGHER of the day's opening balance or equity (a big overnight floating gain raises your floor), and max loss is static except on Zero, whose 5% trailing line locks at breakeven.
Hard daily limit of 5% (2-Step) or 3% (1-Step) of initial capital, recalculated at CET midnight and applied to equity — touching it for an instant fails the account.
Hard daily limit of 3–5% by model on the higher of opening balance or equity — an equity touch closes the account instantly, even with the trade still open.
The 2-Step has no consistency rule at all; the 1-Step requires your best day to stay within 50% of your positive days' profit to pass, never failing the account.
Three distinct mechanisms: a 35% score for On-Demand payouts, a 15% best-day cap on Zero, and a concentration policy imposing a permanent 4-profitable-day gate if one trade idea exceeds 60% of the target.
Two phases: 10% ($5,000) in Phase 1 and 5% ($2,500) in Verification, minimum 4 days each; 10% ($5,000) max overall loss, 5% ($2,500) daily.
Two phases: 8% ($4,000) and 5% ($2,500), minimum 3 days; 10% ($5,000) max overall loss, 5% daily.
On-demand payouts from day 14 after your first trade, at a 90% split (1-Step) or 80% rising to 90% (2-Step), with the 2-Step entry fee refunded with your first withdrawal.
You trade split for cadence: 60% weekly, 80% bi-weekly, 90% on-demand (behind the 35% consistency gate) or 100% monthly, with the first payout 7 days after your first trade.
$50K 1-Step Challenge: one-time EUR 319, read first-hand from FTMO's own promo page on 2026-09-08, where the fees are stated one-time and non-refundable. FTMO prices in euros and we do not convert. We hold no primary price for the 2-Step and publish none. No subscription or activation fee is documented on the pages we reviewed, which is not the same as a confirmed absence.
$100K 2-Step Standard: one-time $529 — the nearest size we could verify, because FundingPips' price pages did not serve to us. We publish no $50K figure. No monthly fee and no activation fee; the registration fee is refunded at your 4th reward on 1-Step and 2-Step Standard Master accounts, but not on Pro, Flex or Zero.