FTMO vs Funding Pips: Which Funded Account Is Best for Traders in 2025?

In the world of proprietary trading, more firms than ever are offering traders access to funded accounts. Two of the most talked-about platforms in 2025 are FTMO and Funding Pips — both offer funded trading accounts, competitive profit splits, and challenge-based evaluations.

In this detailed comparison, we’ll look at FTMO vs Funding Pips across funding models, payout structures, trading rules, platform support, and more — helping you make the most informed choice possible.

What Are Prop Firms and How Do They Work?

Prop firms (short for “proprietary trading firms”) offer capital to traders in exchange for a share of the profits. Instead of risking their own money, traders can access accounts ranging from $10,000 to $400,000 by passing specific evaluation challenges.

FTMO and Funding Pips both fall into this category, but with different approaches to evaluations and funding. Understanding the core differences between FTMO vs Funding Pips starts with how each firm operates.

FTMO Overview

Founded in 2015, FTMO is one of the most established and respected prop firms globally. Based in the Czech Republic, FTMO offers a well-structured two-step evaluation process known as the FTMO Challenge.

FTMO Highlights:

• Funding up to $400,000
• 80–90% profit splits
• 2-step evaluation: Challenge and Verification
• 14-day minimum trading duration
• Payouts bi-weekly
• Refund of evaluation fee after first payout
• Platforms supported: MT4, MT5, cTrader

FTMO is known for reliability, excellent customer support, and consistent trader payouts.

Funding Pips Overview

Funding Pips is a newer entrant to the prop firm space, but has gained attention for its faster payout models and flexible account options, including instant funding (with no evaluation needed).

Funding Pips Highlights:

• Funding up to $200,000
• 80–90% profit splits
• 1-step evaluation or instant funding
• Weekly and bi-weekly payouts
• Fast approval and dashboard access
• Platform supported: MT5

Funding Pips is ideal for traders who want to avoid multi-stage challenges and prefer quicker access to real capital.

FTMO vs Funding Pips – Feature Comparison Table

Below is a side-by-side breakdown comparing FTMO vs Funding Pips on key features.

Who Should Choose FTMO?

You should choose FTMO if you:

• Prefer a trusted, proven platform with thousands of positive reviews
• Want higher funding potential
• Are comfortable passing a 2-step evaluation
• Appreciate detailed education and resources
• Need MT4 or cTrader support

FTMO remains the gold standard for traders looking for serious funding opportunities with professional backing and clear rules.

Who Should Choose Funding Pips?

You should choose Funding Pips if you:

• Want faster access to funded capital
• Prefer a 1-step challenge or instant funding
• Trade on MT5 only
• Are looking for a quicker payout cycle
• Don’t mind that it’s a newer firm in the space

Funding Pips is a good option for traders who want flexibility and speed, especially those just starting in prop trading or testing new strategies.

FTMO vs Funding Pips: Trader Use Cases

Let’s put FTMO vs Funding Pips in real-world trader scenarios.

Use Case 1: Experienced Swing Trader

• Wants large capital, long holding times, advanced charting
• ✅ Best choice: FTMO

Use Case 2: Day Trader with Consistent Short-Term Strategy

• Prefers low evaluation pressure, fast capital access
• ✅ Best choice: Funding Pips

Use Case 3: Beginner in Prop Trading

• Unsure of platform choice, values education and support
• ✅ Best choice: FTMO

Use Case 4: Already has strategy, just wants funded account fast

• ✅ Best choice: Funding Pips

Not interested evaluation you can also check brokers

Real Trader Reviews (What Others Are Saying)

FTMO:

• ⭐️⭐️⭐️⭐️⭐️ Trustpilot rating (4.8+)
• Positive comments on payouts, dashboard, and challenge structure
• Widely recommended in trading forums and YouTube communities

Funding Pips:

• ⭐️⭐️⭐️⭐️ Good Trustpilot rating (4.5+)
• Praised for fast support and instant funding
• Still building long-term reputation

Reminder: Always review recent feedback before choosing a prop firm.

Final Verdict: FTMO vs Funding Pips — Which One Wins?

Choosing between FTMO vs Funding Pips depends on your trading experience, risk tolerance, and capital needs.

• Go with FTMO if you want a proven platform with higher scaling potential, long-term growth, and structured evaluations.
• Go with Funding Pips if you want quick access to capital, a simpler challenge, or are testing the waters with prop firms.

Either way, both platforms offer legitimate paths to trading with other people’s money — you just have to match the platform to your trading personality.

💼 Ready to Start Trading with FTMO?

If you’re ready to test your trading skills and scale up with a trusted funded account, FTMO is the platform we recommend for most traders.

FAQ – FTMO vs Funding Pips

Q1: Is FTMO harder to pass than Funding Pips?
Yes, FTMO has a 2-step evaluation with minimum trading days, while Funding Pips offers a simpler challenge and instant funding options.

Q2: Which firm pays faster?
Funding Pips offers weekly payouts, whereas FTMO follows a bi-weekly cycle.

Q3: Can I trade crypto or indices with both?
Yes, both platforms offer a range of instruments, but FTMO has broader platform support (MT4, MT5, cTrader).

Q4: Does FTMO have instant funding?
No. FTMO requires passing the Challenge and Verification steps before getting funded.

Q5: Which is better for new traders?
FTMO is better for structured learning and long-term growth. Funding Pips is better for quick starts with lower barriers.

Final Thoughts

In the FTMO vs Funding Pips debate, both firms have their strengths. FTMO is trusted, professional, and battle-tested. Funding Pips is flexible, fast, and great for low-pressure traders.

Still unsure? Start small — and grow with the one that fits your style.