FundingPips vs FXIFY: Compared Rule by Rule for 2026
FundingPips arrived in 2022, a full year before its rival here. That gap shows up in payout history, community depth and, quietly, in the confidence of the rule enforcement. Both operate in the forex-led category, both accept MT5 and cTrader accounts, and both publish monthly payout figures. The commonalities end at the drawdown mechanic. On the numbers that matter, FXIFY prices its 100K challenge at ~$489, roughly several dozen euros or dollars below FundingPips, and FXIFY advertises a headline split of one hundred percent.
Side-by-side comparison
| Rule | FundingPips | FXIFY |
|---|---|---|
| Markets | Forex, Indices, Metals, Crypto, Energies | Forex, Indices, Metals, Crypto, Oil |
| Audited variants | 4 | 9 |
| Evaluation | 1-Step or 2-Step | 1, 2 or 3-Step |
| Account sizes | $5K to $200K | $2.5K to $400K |
| Fee (100K) | ~$499 | ~$489 |
| Profit split | 60 to 100% (frequency dependent) | 75 to 90% (100% on 2-Phase Classic) |
| Max drawdown | 10% | 6 to 10% (configurable) |
| Drawdown type | Static | Static |
| Daily loss | 5% | 4% |
| Consistency rule | 45% (15% on Zero) | None on standard |
| Min trading days | None specified | 0 with add-on, 3 default |
| Payout speed | 1 to 3 days | 24 hours |
| Payout frequency | Weekly / Bi-weekly / Monthly | On-demand from day 1 |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed | Allowed |
| Weekend holding | Allowed | Allowed |
| Scaling cap | Progressive | $4M |
| US traders | Yes | Yes (most products) |
| Trustpilot | 4.5 (30,312+) | 4.4 (6,800+) |
| Value score | 86 | 85 |
Verdict
Pick FundingPips if the newer, more configurable challenge structure suits your evaluation preferences. Pick FXIFY if the ~$489 entry fee at the 100K tier changes your break-even maths, or the one hundred percent headline split materially affects your annual take. Neither firm is objectively better; the wrong one is the firm whose rules you will forget under pressure.
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
FXIFY strengths
Fully configurable challenge, on-demand payouts from day one, no consistency rule on standard, UK-based
FXIFY weaknesses
Add-on pricing can balloon the entry fee, newer firm without long payout track record, no futures