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.
At 100K: FundingPips from $444, The5ers from $95.
Side-by-side comparison
| Rule | FundingPips | The5ers |
|---|---|---|
| Markets | Forex, Indices, Metals, Crypto, Energies | Forex, Indices, Metals, Crypto, Futures |
| Watchlist | No | No |
| Evaluation | 1-Step or 2-Step | 1/2/3-Step |
| Account sizes | $5K, $10K, $25K, $50K, $100K, $200K | $2.5K, $5K, $10K, $20K, $25K, $50K, $100K, $200K, $250K |
| Fee (100K) | $444 | $95 |
| Profit split | 80 to 100% | 75 to 100% |
| Max drawdown (100K) | 5% | 5% |
| Drawdown type | Intraday trailing | n/a |
| Daily loss (100K) | $3,000 | n/a |
| Consistency rule | 15% | n/a |
| Min trading days | n/a | n/a |
| First payout | 14 days | 14 days |
| News trading | Allowed | Allowed |
| EAs / bots | Allowed | Varies by programme |
| Weekend holding | Allowed | Allowed |
| US traders | Yes | Yes |
| Trustpilot | Trustpilot profile | Trustpilot profile |
Verdict
Pick FundingPips if its fee structure suits your trading budget, or a static drawdown gives you a fixed floor to plan against. Pick The5ers if the headline split materially affects your annual take, or a static 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
Widest platform selection, flexible payout frequency tiers
FundingPips weaknesses
Split tied to withdrawal frequency, consistency score, recent rule change complaints
The5ers strengths
Capital scaling pathway, higher splits at top tiers, established track record
The5ers weaknesses
Low starting split on Hyper Growth, tight drawdown, MT5 only