FTMO costs 3-4x more than FundingPips but has a decade of bulletproof payout history. FundingPips starts at just $29 with $200M+ in verified payouts but changes rules between evaluation and funded stages. Here's which one is right for you.
Quick answer: FTMO if you prioritise trust and consistent rules. FundingPips if you want the cheapest entry and can adapt to stricter funded-stage rules.
Side-by-Side Comparison
| Feature | FTMO | FundingPips |
|---|---|---|
| Entry Price (min) | €89 (~$96) | $29 |
| Evaluation | 2-step | 1-step, 2-step, instant |
| Starting Split | 80% | 60-80% (varies) |
| Max Split | 90% | 100% |
| Rule Consistency | Same rules eval → funded | Rules change after passing |
| Trustpilot | 4.8/5 (40K+) | 4.5/5 (46K+) |
| Total Payouts | $200M+ | $200M+ |
| Payout Speed | ~8 hours | 1-3 days (Tuesdays) |
| Fee Refund | Yes | Varies |
The Key Difference
FTMO's rules stay the same from evaluation to funded. What you practise is what you trade. FundingPips introduces a 1% floating loss limit, 15% consistency rule, and news trading restrictions only after you pass. Many traders pass evaluation then fail funded accounts because they didn't know the rules changed.
Winner: FTMO for rule consistency.
Pricing
FundingPips' $29 entry vs FTMO's €89 is a 3x difference. For a $100K account: FundingPips charges ~$449 vs FTMO's €540. FTMO refunds the fee with your first payout; FundingPips' refund policy varies.
Winner: FundingPips on price.
Our Verdict
Choose FTMO if you want predictable rules, fast payouts, and the safest experience. Choose FundingPips if you want the cheapest entry and will study the funded-stage rules before starting.
FAQ
Is FTMO or FundingPips cheaper?
FundingPips at $29 vs FTMO at €89. FundingPips is 3x cheaper to start.
Which has a higher profit split?
FundingPips reaches 100% (monthly option) vs FTMO's 90%.
Which is more trustworthy?
Both have $200M+ in payouts. FTMO has 10 years of operation vs FundingPips' shorter history.
Do the rules change after passing?
At FundingPips, yes. At FTMO, no. This is the most important difference between the two.
Disclaimer: This content is for informational purposes only and does not constitute financial advice. Trading involves risk of loss.