FTMO vs FundingPips: Compared Rule by Rule for 2026
FTMO is the established forex prop benchmark; FundingPips is the most aggressive of the post-2022 cohort, competing on price and split. Both ship with cTrader and MT5, both use static drawdown, but they diverge on consistency rules and operational maturity.
Side-by-side comparison
| Rule | FTMO | FundingPips |
|---|---|---|
| Markets | Forex, Indices, Commodities, Crypto, Stocks | Forex, Indices, Metals, Crypto, Energies |
| Audited variants | 2 | 4 |
| Evaluation | 1-Step or 2-Step | 1-Step or 2-Step |
| Account sizes | "0K to $200K | $5K to "00K |
| Fee (100K) | €540 | ~$499 |
| Profit split | 80 to 90% | 60 to 95% (frequency dependent) |
| Max drawdown | 10% | 10% |
| Drawdown type | Static | Static |
| Daily loss | 5% | 5% |
| Consistency rule | None | 15% score |
| Min trading days | 4 | None specified |
| Payout speed | 1 to 2 days | 1 to 3 days |
| Payout frequency | Bi-weekly / Monthly | Weekly / Bi-weekly / Monthly |
| News trading | Restricted on funded accounts (2-min window) | Allowed |
| EAs / bots | Allowed with restrictions | Allowed |
| Weekend holding | Swing account only | Allowed |
| Scaling cap | $400K (up to $2M) | Progressive |
| US traders | Via FTMO US / OANDA only | Yes |
| Trustpilot | 4.8 (29,000+) | 4.5 (30,312+) |
| Value score | 92 | 86 |
Verdict
Pick FTMO if longevity, regulated execution and operational maturity matter most. Pick FundingPips if you want lower fees, a higher cap on the profit split and faster onboarding, accepting that the firm has roughly four years of operating history versus FTMO's ten.
FTMO strengths
Longest track record, $200M+ paid, static drawdown, no consistency rule
FTMO weaknesses
$400K scaling cap, no futures, news restrictions on funded accounts, US traders via FTMO US only
FundingPips strengths
"25M+ total payouts, widest platform selection, flexible payout frequency tiers
FundingPips weaknesses
Split tied to withdrawal frequency (60% weekly vs 95% infrequent), 15% consistency score, recent rule change complaints