Side-by-side: FTMO 2-Step vs FundingPips 2 Step Pro
| FTMO | FundingPips | |
|---|---|---|
| Company | FTMO s.r.o., Prague, Czech Republic — since 2015, entity and registration published | Operating since 2022 — no legal entity named on the pages we checked |
| Entry price | €89 (10K — its smallest account) | $29 (2 Step Pro, 5K) |
| 100K price | €540 list (€439 promo seen 23 Oct) | $466 (2 Step Pro); $666 (1 Step Flex) |
| Price list | Full ladder published for every model | No published ladder — prices surface per model in the purchase flow; the figures here are the verified anchors from its own pages |
| Profit targets | 10% then 5% | Pro: 6% then 6% · Standard: 8% then 5% · Flex: 10% then 8% (its Help Center states the Pro Phase-2 target as 8% in one article — a conflict we flag) |
| Daily loss | 5% of initial capital, equity-based, recalculated nightly | Pro: 3% · Standard: 5% · Flex: 4% |
| Maximum loss | 10%, static, equity-based | Pro: 6% · Standard: 10% · Flex: 12% |
| Consistency / special systems | None on the 2-Step | No classic consistency rule — but a Striking System and a Profit Concentration Policy score how you trade (and its homepage banner claims "No Striking System", contradicting its own Help Center) |
| Profit split | 80%, up to 90% via Scaling Plan / Premium | 80–100% across models; the Zero instant model pays 95% bi-weekly |
| Scaling | +25% capital every 4 months, up to $2M | Model-dependent; see the full review |
| Fee refund | 2-Step fee refunded with the first Reward withdrawal | Only the 2 Step Standard refunds a fee — with the fourth reward; the Pro does not |
| Free trial | Yes — 14 days, real rules | None listed on its site (checked 23 Oct 2026) |
| Models | 2-Step, 1-Step, Instant | 2 Step Pro, 2 Step Standard, 2 Step Flex, 1 Step Flex, Zero (instant) |
| Our deal | No partner code exists — use their own promos and the free trial | No partner code — their own sales only; beware invented codes |
FundingPips' five models differ enough that the model you pick matters more than the firm-level comparison — the full breakdown, with the target conflict sourced, is in our FundingPips review; FTMO's other models are in the FTMO review.
The five differences that actually decide it
1. Price — FundingPips wins every row
$29 against €89 at entry; $466 against €540 list at 100K (FTMO's €439 promo narrows it). FundingPips also sells a 5K account, which FTMO does not offer at any price. On pure ticket cost this is the most one-sided section of the comparison — the remaining four sections are what the saving costs you.
2. Targets are lower — and more confusing
The 2 Step Pro asks 6% then 6%, against FTMO's 10% then 5%. But FundingPips runs five models with five different target/loss combinations, and its own Help Center states the Pro's Phase-2 target inconsistently (8% in the objectives material; 6% is the figure on the model pages and third-party listings). FTMO's objectives fit on one page and have not needed a footnote from us.
3. The systems nobody puts on the pricing page
FundingPips scores trading behaviour: the Striking System penalises scattered, inconsistent trading patterns, and the Profit Concentration Policy limits how much of your profit may come from a single day. Neither appears in the price comparison most buyers make — and the firm's homepage simultaneously advertises "No Striking System", which its Help Center contradicts. FTMO's 2-Step has no equivalent: hit the target, respect two loss limits, get paid.
4. Refund timing
Both firms can return your fee, but the distance differs: FTMO refunds the 2-Step fee with your first withdrawal. At FundingPips only the 2 Step Standard refunds at all — with the fourth reward — and the cheaper Pro model most buyers choose refunds nothing.
5. Transparency itself
FTMO publishes its legal entity, registration, full prices and exact calculation methods (its Academy explains the daily-loss formula). FundingPips publishes no legal entity on the pages we checked and no full price list; its rules live across a Help Center that occasionally disagrees with its marketing. None of that proves anything about payouts — but if a dispute ever comes, you will be glad one firm's paperwork was complete from day one.
Frequently Asked Questions
Is FundingPips cheaper than FTMO?
Yes, at every size we could verify: $29 vs €89 at entry and $466 vs €540 list at 100K (FTMO seen at €439 on promo). Remember the refund asymmetry, though — FTMO's fee returns with the first payout, while FundingPips' Pro refunds nothing and its Standard waits until the fourth reward.
What is FundingPips' Striking System?
A behavioural scoring system described in FundingPips' Help Center that penalises inconsistent, scattered trading. Together with the Profit Concentration Policy (which caps how much one day may contribute), it means a FundingPips account can be restricted by how you trade, not only by what you lose. FTMO's 2-Step has no equivalent system.
Which firm is better for beginners?
FTMO — the free trial, the published-everything rulebook and the absence of behavioural scoring make it the safer first challenge despite the higher price. FundingPips rewards experienced, systematic traders who have read the Help Center first; our beginners list explains the full ranking.
Why does FundingPips not appear with a full price ladder?
Because the firm does not publish one. Prices appear per model during the purchase flow, so the figures in this comparison are the anchor prices we verified on FundingPips' own pages on 23 Oct 2026 ($29 for the 5K Pro; $466/$666 at 100K). We state "not published" rather than borrow numbers from other sites.