FTMO vs FundingPips: which prop firm is better in 2026?
Across pricing, rules and payout terms, FTMO takes the lead (8 against 4). FundingPips remains the cheaper way in and it pays out a larger share of profits, so the choice is not automatic.
FTMO
Forex / CFD · Crypto · Stocks · Trustpilot 4.8/5
Founded in Prague in 2015, FTMO reports more than $450 million paid to traders and closed its acquisition of broker OANDA in December 2025. The 2-Step challenge, static drawdown and no deadline, remains its core product, with fees fully refunded on the first payout. Price is the weak spot, and it rose again in 2026.
Criteria won : 8 / 33
FundingPips
Forex / CFD · Crypto · Trustpilot 4.5/5
FundingPips lets you choose the withdrawal rhythm and prices the split accordingly: 60% weekly, 80% biweekly, 90% on demand, 100% on a monthly cycle. Its four evaluation models keep static drawdown, with only the instant-funding Zero account switching to trailing. Against that, a Striking System closes a funded account on the fourth warning.
Criteria won : 4 / 33
Pricing at equal account size
Cheapest evaluation for a 100 K account.
FTMO
€499
FundingPips
—
Closest size : 5 K — $29
Full comparison
| Criterion | FTMO | FundingPips |
|---|---|---|
| Trust | ||
| Score | 88/100 ✓ | 83/100 |
| Trustpilot | 4.8/5 ✓ | 4.5/5 |
| Founded | 2015 ✓ | 2022 |
| Headquarters | CZ | AE |
| Pricing | ||
| Entry price | €79 | $29 ✓ |
| Price for a 100 K account | €499 | — |
| Refundable fee | Yes ✓ | No |
| Reset price | — | — |
| Account sizes | 200 K | 200 K |
| Rules | ||
| Steps | 1 ✓ | 2 |
| Profit target | 10 % | 6 % ✓ |
| Max daily loss | 3 % | 3 % |
| Max total drawdown | 10 % ✓ | 6 % |
| Drawdown type | Static | Static |
| Time limit | Unlimited | Unlimited |
| Consistency rule | 50 | — |
| Min trading days | — | 1 |
| Payouts | ||
| Profit split | 80 % | 80 % |
| Max profit split | 90 % | 100 % ✓ |
| First payout | 14 days | 7 days ✓ |
| Payout frequency | A la demande a partir du 14e jour suivant le premier trade, puis tous les 14 jours | Cycle au choix : hebdomadaire (60 %), bi-hebdomadaire (80 %), a la demande (90 %) ou mensuel (100 %) |
| Payout methods | — | — |
| Scaling plan | Yes | — |
| Max allocation | 2 M | — |
| Trading | ||
| Platforms and instruments | mt4, mt5, ctrader, dxtrade, tradingview ✓ | mt5, ctrader, match-trader |
| Instruments | fx, indices, metals, energy, crypto, stocks ✓ | fx, indices, metals, energy, crypto |
| Leverage | 1:100 (forex) | — |
| News trading | Yes | — |
| Weekend holding | Yes | — |
| Expert Advisors | Yes | — |
| Copy trading | Restricted | Restricted |
| Scalping | Yes | — |
| Hedging | Yes | — |
Choose FTMO if…
- You need a platform FundingPips does not offer: mt4, dxtrade, tradingview.
- You want the shortest path to funding: 1 evaluation phase against 2 at FundingPips.
Choose FundingPips if…
- Your budget is the binding constraint: the entry ticket starts at $29, below FTMO.
- You expect to stay funded long enough for the split to matter: 100 % against 90 % at FTMO.
- Cash flow matters to you: the first withdrawal comes after 7 days rather than 14.
- You need a platform FTMO does not offer: match-trader.
Our analysis
What reaches your account
FTMO keeps 90 % of profits, allows a first withdrawal after 14 days, then pays A la demande a partir du 14e jour suivant le premier trade, puis tous les 14 jours. FundingPips keeps 100 % of profits, allows a first withdrawal after 7 days, then pays Cycle au choix : hebdomadaire (60 %), bi-hebdomadaire (80 %), a la demande (90 %) ou mensuel (100 %). Payout frequency deserves as much attention as the split itself: a slightly lower share paid every two weeks compounds faster than a headline percentage locked behind a monthly cycle and a long first-withdrawal delay.
Where you actually trade
FTMO is the only one of the two to offer mt4, dxtrade, tradingview. FundingPips covers match-trader, which its rival does not. Platform choice is not cosmetic: order execution, available order types and the reliability of your automation all depend on it, and switching mid-evaluation is rarely possible.
Track record
FTMO has been running since 2015, 7 years longer than FundingPips. On Trustpilot they sit at 4.8/5 and 4.5/5 respectively. Our trust pillar scores them 97/100 and 81/100, which weighs age, corporate transparency and public payout evidence. In an industry with no financial regulator overseeing these evaluations, longevity and a verifiable payout history are the closest thing to a guarantee.
What you pay to start
FundingPips opens at $29 against €79 for FTMO, a substantial gap on the smallest account. The headline fee is rarely the real cost, though: what matters is the price of a reset after a failed attempt, whether the fee comes back on the first payout, and whether an activation fee appears when you move to a funded account. Compare those three lines in the table above before deciding on price alone.
Drawdown: the rule that decides
FTMO applies a static drawdown capped at 10 %, with a 3 % daily limit. FundingPips applies a static drawdown capped at 6 %, with a 3 % daily limit. Both use the same model, so the difference plays out on the percentages rather than on the mechanism.