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Editorial verdict
FTMO vs FundingPips (2026): Established Standard vs Cheaper Challenger
A side-by-side breakdown of FTMO and FundingPips — profit splits, payout speed, drawdown rules, platforms, and a clear verdict on which firm wins for which trader profile.
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Our verdict
Editorial verdict · Updated May 2026
FundingPips wins on price and headline split — scaling to a 100% take and undercutting FTMO’s challenge fees materially. FTMO wins on platform breadth, rule simplicity (no minimum trading days), and a payout history that predates the entire FundingPips company. If you’re testing the prop-firm model for the first time, FundingPips lowers the cost of failure; if you’re sizing up to a real income stream, FTMO is the lower-risk home.
- Profit SplitFundingPips
- Challenge PricingFundingPips
- Payout SpeedTie
- Payout ReliabilityFTMO
- Rule SimplicityFTMO
- Platform CoverageFTMO
- Tradable AssetsFTMO
Side-by-side: FTMO vs FundingPips
Winning value on each row is marked. Ties are flagged. Empty cells mean we don't have that data point yet.
Spec
FTMO
FundingPips
Score
9.2 / 10
8.7 / 10
Profit Split
90%
100%
Payout Frequency
Bi Weekly
Bi Weeklytie
Drawdown Type
Static
Statictie
Max Allocation
$2M
$2Mtie
Min Trading Days
0
5
Founded
2015
2022
Platforms
MT4 · MT5 · cTrader · DXTrade
MT5 · cTrader · DXTrade
Assets
Forex · Crypto · Indices · Commodities · Stocks
Forex · Indices · Commodities · Crypto
Payout Methods
Bank wire · Skrill · Crypto
Bank wire · Rise · Cryptotie
EAs Allowed
Yes
Yestie
News Trading
Yes
Yestie
Overnight Holding
Yes
Yestie
Weekend Holding
Yes
Yestie
Copy Trading
No
Notie
Scaling Plan
Yes
Yestie
Pick FTMO if…
Pick FTMO if you want the most established CFD prop firm in the market, need MT4 or single-stock CFDs, or value zero minimum trading days on the funded phase. FTMO is also the better choice if your edge is event-driven — the rule surface is simpler and the firm has never retroactively tightened drawdown rules on existing funded traders.
Pick FundingPips if…
Pick FundingPips if you’re cost-conscious, can live with a 5-day minimum trading-day requirement, and want a path to a 100% profit split through their scaling plan. It’s the better firm for testing whether the prop-firm model works for your strategy at all — lower entry cost means a failed challenge stings less.
Frequently asked questions
Does FundingPips really pay out 100% of profits?
The 100% split is the ceiling under their scaling plan, not the starting rate. Most funded traders begin at 80–90% and unlock the higher tier by hitting consecutive payout milestones.
Why does FundingPips require minimum trading days when FTMO doesn’t?
It’s a risk-management tool: minimum trading days prevent a single lucky trade from triggering a payout. FTMO removed the requirement on funded accounts as a competitive differentiator. For scalpers, FTMO’s zero-day rule is materially more flexible.
Is FundingPips a "scam alternative" to FTMO?
No. FundingPips is a legitimate firm with a clean payout record since 2022, based in Dubai, and is one of the larger CFD prop firms by volume. The lower price reflects newer infrastructure, not lower legitimacy.
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