FundingPips vs The5ers
FundingPips
The5ers
Computed verdict
There isn't a current verified offer on both firms, so we don't call a cost winner. On the overall score, The5ers comes out ahead (82 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
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.
A static 10% max loss from initial balance and a 5% daily limit anchored to the higher of the previous close's balance or equity — nothing trails, but touching either terminates 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.
A hard daily limit on High Stakes, measured against the higher of the previous midnight's balance or equity — hitting it terminates the account. The5ers' own pages disagree on the number: the 2-Step Plan Rules & Specifications page (last updated 7 September 2026) and the Summer Plan page both state 3%, while the High Stakes general-rules page (last updated 10 August 2026) states 5%. Unresolved, and we do not pick a side. We publish 5% because it comes from the High Stakes page, but 3% is the safer assumption and the one to trade to until The5ers reconciles its pages. On a $100,000 account the gap is $2,000 of daily room, on a limit that ends 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.
There is no percentage consistency rule, but each step requires at least 3 profitable days of +0.5% or more, which blocks one-day passes.
Two phases: 8% ($4,000) and 5% ($2,500), minimum 3 days; 10% ($5,000) max overall loss, 5% daily.
Two steps on the current High Stakes plan: 10% then 5% (a legacy Classic variant runs 8% then 5%), each needing a minimum of 3 profitable days, where a profitable day is closed net of at least +0.5% of the initial balance. Maximum total loss is 10% of the initial balance. The daily loss limit is disputed between The5ers' own pages at 3% and 5% — see the daily-loss section, where both positions are recorded and neither is settled. Inactivity: an account expires after 30 consecutive days without trading during evaluation, and after 60 on a funded account.
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.
On the 2-Step, The5ers splits 80/20 and scales to 100% with a fixed monthly payout at high balances. On how much you need before you can be paid, its own pages disagree: the 2-Step rules page asks for $250 of profit, the withdrawals help page asked for $150. We record both and pick neither. What is clear is that there is a cap: $2,000 per payout cycle. First payout 14 days after the account is activated, then every two weeks.
$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.
$100K 2-Step Classic (8%/5%): one-time $179, and $149 for the 10%/5% tier — both read on The5ers' own pages on 2026-09-08. Smaller sizes are served by a dynamic pricing widget we could not read, so we publish no $50K price. No monthly fee, no activation fee documented, and no paid reset product: a failed evaluation means buying a new one.