FTMO vs Funding Pips Side-by-side breakdown — fees, rules, payouts, and our verdict

What Makes Funding Pips Different

Funding Pips built a following among traders who found FTMO’s rule book too restrictive. Weekend holding, news trading, and EAs are all permitted — FTMO blocks weekend holding and copy trading. If you’re running an automated strategy or holding trades over the weekend, Funding Pips removes friction that FTMO creates.

The Track Record Gap

FTMO has been operating since 2015. Funding Pips launched in 2022. That’s three years of payout history versus nine. In an industry where firms have disappeared mid-withdrawal, tenure matters. FTMO has documented payouts at scale that Funding Pips simply can’t match yet — not because Funding Pips is untrustworthy, but because time hasn’t accumulated.

Drawdown: Static vs Relative

FTMO’s static drawdown is more forgiving for volatile trading styles. The floor stays fixed from the start regardless of profits — so a string of wins followed by a losing day doesn’t compound your risk. Funding Pips uses a relative drawdown model on most accounts, which means profitable days can actually shrink your remaining buffer if you give profits back.

Cost Comparison

Funding Pips tends to run at a lower entry price point than FTMO for equivalent account sizes, and frequently runs promotional discounts. For traders starting out and wanting to preserve capital during the evaluation, this matters. Both firms refund fees after the first payout.

Verdict

FTMO for traders who want the most established firm with static drawdown and a deep payout record. Funding Pips for traders who need weekend and news flexibility, run EAs, or want a lower upfront cost. The rule differences are the deciding factor — check which restrictions you can actually live with before the cost comparison matters.