FTUK vs Funding Pips - Prop Firm Comparison (March 2026)
Head-to-head comparison of FTUK and Funding Pips. Check max funding, profit splits, daily and overall drawdown rules, leverage, tradable assets, payout frequency, payment and payout methods, trading permissions and KYC restrictions before you buy a challenge. Data refreshed March 2026.
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FTUK
FTUK (FTUK Inc.) is a US-based prop firm offering simulated Forex and Futures funding via Instant Funding and 1-step/2-step evaluation programs, with trading on DXtrade, MatchTrader and TradeLocker, profit shares that scale up to 80%, and a published maximum scaling...
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Funding Pips
Funding Pips is an aggressively marketed prop firm offering Instant Funding, One Step, and Two Step evaluations with profit splits up to 100%, but stricter post-funding risk rules and transparency issues mean it suits disciplined, experienced traders more than beginners.
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| Overview | ||
| Trustpilot Rating | 3.8 | 4.5 |
| Trustpilot Reviews | 602 | 48,916 |
| Headquarters | United States | United Arab Emirates |
| Age (Years) | N/A | N/A |
| Max Funding | $6,400,000 | $300,000 |
| Profit Split Start | 50% | 80% |
| Profit Split Max | 80% | 100% |
| Platforms | Match-Trader DXtrade TradeLocker | MT5 cTrader Match-Trader |
| Assets | FX Metals Indices Commodities Crypto Futures | FX Metals Indices Energy Crypto |
| Leverage | ||
| FX Leverage | 100 | 100 |
| Metals Leverage | 10 | 30 |
| Crypto Leverage | 2 | 2 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | Maximum Daily LossDaily drawdown limits depend on the program: Instant Funding uses a 5% daily drawdown, One Step uses a 4% daily drawdown, and Two Step uses a 5% daily drawdown in both evaluation phases and funded levels.FTUK states daily drawdown is calculated using the higher value of balance or equity at the end-of-day snapshot (22:00 UTC), which means open profit can increase the daily-loss threshold but open losses still count toward it. | Maximum Daily LossFunding Pips applies model-dependent daily loss limits between 3% and 5% of the account balance.How It Is Applied:Zero (Instant): 3% maximum daily loss with a 1% floating loss cap after funding.One Step: 3% maximum daily loss and 6% max overall loss.Two Step Standard: 5% maximum daily loss.Two Step Pro: 3% maximum daily loss with stricter consistency rules.Breaching the daily loss limit at any moment typically results in account termination. |
| Max Total Loss | Maximum Overall LossFTUK applies different overall drawdown models across programs: Instant Funding uses a 6% relative max drawdown, One Step uses an 8% relative max drawdown, and the Two Step program uses static maximum drawdown limits of 10% (Phase 1) and 5% (Phase 2) calculated on equity. | Maximum Overall LossMaximum overall loss on Funding Pips accounts ranges from 5% to 10% depending on the model.How It Works:Zero: 5% trailing drawdown from the highest equity.One Step: 6% maximum loss relative to starting balance.Two Step Standard: 10% maximum loss.Two Step Pro: 6% maximum loss with tight risk requirements.If your equity falls below the allowed threshold, the account is considered breached even if the violation is brief. |
| Drawdown Type | Drawdown ModelFTUK distinguishes between relative (trailing) drawdown and static drawdown. On One Step and Instant Funding, the trailing max drawdown is based on balance (not equity) and only moves upward as profits accumulate. On the Two Step program, drawdown is static and calculated on equity, meaning floating profit/loss is included in the drawdown check. | Drawdown ModelFunding Pips combines a trailing drawdown on its Zero model with static max loss rules on other accounts.Key Points:Zero accounts use a 5% trailing drawdown plus a 1% floating loss cap once funded.One Step, Two Step Standard, and Two Step Pro use fixed overall loss limits (6% or 10%) relative to starting balance.Drawdown calculations include both closed and open positions.Risk rules can become stricter after funding than during evaluation, so traders must adapt once funded.This structure creates tight but clearly defined loss thresholds, especially on the Zero and Pro models. |
| Payouts | ||
| Payout Frequency | Payout FrequencyInstant Funding: Payouts are available on demand, subject to meeting the Consistency Score requirement.One Step & Two Step: Payouts are typically available every 14 days (bi-weekly) once the trader meets minimum trading-day requirements and other eligibility checks (including the challenge-program Payout Locker terms where applicable). | Payout FrequencyFunding Pips offers flexible payout cycles that vary by model and reward option.One Step and Two Step: Tuesday (60% split), bi-weekly (80%), on-demand (90%), or monthly (100%).FundingPips Pro: Weekly payouts with up to 80% split, increasing through scaling and Hot Seat.Zero (Instant): Bi-weekly payouts at 95% split, with 100% available at Hot Seat.Hot Seat: On-demand payouts with 100% profit split and up to $2M in funded capital.On-demand cycles typically require meeting specific consistency and minimum reward thresholds before requests are approved. |
| Days to First Payout | 14 | 1 |
| Payout Processing Time | Payout ProcessingFTUK states payout requests are usually approved within 1–2 working days after account review. After approval, funds are typically reflected in the trader’s wallet within 1–3 working days depending on the payout method. | Payout ProcessingFunding Pips processes most payout requests within 1 to 3 business days once approved. Instant Visa and Mastercard payouts are available and often arrive within about 30 minutes, while crypto withdrawals depend on network conditions and payment providers. During the payout process, trading on the affected account may be temporarily disabled until funds are sent. |
| Payout Methods | RiseWorks USDT (TRC20) | Bank Transfer Crypto Mastercard Riseworks Visa Direct |
| Payments | ||
| Payment Methods | Credit/Debit Card Crypto | Credit/Debit Card Bank Transfer Skrill PayPal Google Pay Apple Pay Crypto Neteller Paysafe Card |
| Trading Permissions | ||
| News Trading | Instant Funding: News trading is permitted at all stages with no restrictions.One Step & Two Step: FTUK applies a 10-minute no-trade window around major economic releases (from 5 minutes before to 5 minutes after). Trades opened or closed inside this window are treated as a soft breach where profits are erased and losses are not compensated. | News trading rules at Funding Pips depend on the model and reward cycle.One Step, Two Step, and Pro:Evaluation phase: news trading is allowed.Funded accounts: profits from trades opened less than 5 hours before and closed 5 minutes before or after high-impact news may not be counted toward rewards.On-demand reward cycles can remove some news restrictions, but conditions still apply.Zero Accounts:News trading is not allowed. |
| Weekend Trades | Forex programs: Holding positions overnight and over the weekend is allowed on Instant Funding, One Step and Two Step accounts.Futures programs: FTUK Futures does not allow holding positions overnight or over the weekend; positions must be closed by the daily cutoff time specified by FTUK. | Weekend holding rules vary by model.One Step, Two Step, and Pro:Holding trades over the weekend is allowed, subject to normal platform trading hours and gap risk.Zero Accounts:Holding trades over the weekend is not allowed; positions must be closed before market close. |
| Copy Trading | Forex programs: Copy trading is allowed between your FTUK account and your personal external accounts, but copying between multiple FTUK accounts (or running identical trades across multiple FTUK accounts) is prohibited.Futures programs: Copy trading is not permitted. | Funding Pips allows controlled copy trading with important limitations.Permitted:You may copy trades between your own Funding Pips accounts under the same individual.Your Funding Pips account may act as a master to external slave accounts via partners such as PropFirmOne, as long as core rules are respected.Not Permitted:Using copy trading arrangements to circumvent risk limits, hedge opposite accounts, or engage in arbitrage-style strategies.All copied activity must comply with Funding Pips risk, consistency, and forbidden strategy rules. |
| EA Allowed | Expert Advisors (EAs) and automated trading are permitted for standard intraday strategies, but FTUK’s permitted-styles matrix restricts EAs from a range of behaviors (e.g., martingale, scalping, tick scalping, hedging, and prohibited arbitrage styles). FTUK also warns that any trading style that constitutes high-frequency trading is not allowed. | Expert Advisors (EAs) are allowed at Funding Pips only under strict conditions.Permitted:EAs that function primarily as trade or risk managers on your own accounts.Not Permitted:Third-party or commercial EAs whose logic you do not control.Algorithms designed for latency arbitrage, gap exploitation, or other abusive high-frequency behaviour.All automated trading must reflect your own strategy and respect the firm’s risk and consistency rules. |
| KYC & Restrictions | ||
| KYC Required | Yes | Yes |
| KYC Stage | FTUK uses RiseWorks for payout processing and requires trader verification to access and withdraw via Rise. FTUK states payouts above $500 are processed via RiseWorks in USD, while payouts below $500 are processed via USDT (TRC20). If Rise is not supported in a trader’s country, FTUK can manually send payouts via USDT (TRC20). | Funding Pips requires identity verification in line with its payout and compliance procedures. Full KYC is mandatory when using the Rise platform for payouts and may be requested before larger or repeated withdrawals via other methods. Traders should expect to submit standard ID and residency documents before accessing significant profit distributions. |
| Restricted Countries | Algeria Democratic Republic of the Congo Iran Libya Morocco North Korea Russia Somalia South Sudan Sudan Vietnam Yemen Tunisia | Iran United Arab Emirates Vietnam |