FundingPips vs The5ers: Compared Rule by Rule for 2026
The5ers arrived in 2016, a full 6 years 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, FundingPips prices its 100K challenge at ~$499, roughly several dozen euros or dollars below The5ers, and The5ers advertises a headline split of one hundred percent.
Side-by-side comparison
| Rule | FundingPips | The5ers |
|---|---|---|
| Markets | Forex, Indices, Metals, Crypto, Energies | Forex, Indices, Metals, Crypto, Futures |
| Audited variants | 4 | 5 |
| Evaluation | 1-Step or 2-Step | 1/2/3-Step |
| Account sizes | $5K to $200K | $5K to $250K |
| Fee (100K) | ~$499 | ~$74 to $595 |
| Profit split | 60 to 100% (frequency dependent) | 80 to 100% (scales) |
| Max drawdown | 10% | 4 to 6% |
| Drawdown type | Static | Static |
| Daily loss | 5% | 3% (pause) |
| Consistency rule | 45% (15% on Zero) | Min profitable days (no % cap) |
| Min trading days | None specified | None |
| Payout speed | 1 to 3 days | 1 to 3 days |
| Payout frequency | Weekly / Bi-weekly / Monthly | Bi-weekly |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed | Varies by programme |
| Weekend holding | Allowed | Allowed |
| Scaling cap | Progressive | $4M |
| US traders | Yes | Yes |
| Trustpilot | 4.5 (30,312+) | 4.7 (21,000+) |
| Value score | 86 | 80 |
Verdict
Pick FundingPips if the ~$499 entry fee at the 100K tier changes your break-even maths, or a static 10% drawdown gives you a fixed floor to plan against. Pick The5ers if the one hundred percent headline split materially affects your annual take, or a static 4 to 6% drawdown gives you a fixed floor to plan against. 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
The5ers strengths
Scale to $4M, 100% split at top tier, 10 year track record, 4.8 Trustpilot
The5ers weaknesses
Low starting split (50% on Hyper Growth), tight 4 to 6% drawdown, MT5 only