The5ers vs FundingPips
Which of these two is likelier to end your account, and why — compared rule by rule from what each firm publishes.
Short answer
- Both use the same drawdown mechanic: the loss limit is fixed to your starting balance and never moves.
- Minimum trading days: The5ers 3 days, FundingPips no minimum — this sets the earliest you can finish, however fast you hit the target.
- Entry cost: FundingPips from $32, The5ers from $39.
Figures below are what each firm publishes. Confirm them on the firm's own site before paying for an evaluation — these rules change without notice.
The5ers
FundingPips
Side-by-Side Specifications Matrix
Every figure below is taken from the firm's own published rules. Check the source and date under the table before you size a position on it — prop firm rules change without notice.
| Evaluation Parameter | The5ers | FundingPips |
|---|---|---|
| Asset Class / Market | CFD | MULTI-ASSET |
| Drawdown Calculation Type | Static Balance-Based The total-loss cap is static — a fixed percentage of the starting balance that never trails — but the daily limit is recalculated every day off the previous day's close, so it is not a fixed dollar figure. |
Static Balance-Based |
| Max Daily Loss | 5.0% 5% on High Stakes, measured off the higher of the previous day's closing balance or equity and reset at 00:00 UTC+3; Hyper Growth and Pro Growth use 3%, and the firm's own 2-Step Plan FAQ also states 3%. |
5.0% |
| Max Overall Loss | 10.0% 10% of the initial balance on High Stakes, fixed when the account opens and never trailing; Hyper Growth and Pro Growth stop out at 6%, and Bootcamp uses 5% on steps 1-3 and 4% once funded. |
10.0% |
| Profit Split | 80% - 100% | 80% - 90% |
| Minimum Trading Days | 3 Days High Stakes needs 3 profitable days at Step 1, at Step 2 and again at every scaling step, where a profitable day means closed trades netting at least 0.5% of the initial balance. |
0 Days |
| News Trading Policy | ✓ New orders may not be executed from 2 minutes before to 2 minutes after high-impact news on the High Stakes programme; holding existing positions through news is allowed, and any profit made inside that window is deducted from the account and does not count toward the profit target | ✓ News trading permitted across all stages |
| Weekend & Overnight Holding | ✓ Permitted (Overnight and weekend holding allowed with no restrictions) | ✓ Permitted (Weekend holding allowed for all instruments) |
| Supported Platforms | MT5, cTrader, TradingView | cTrader, Match-Trader, TradeLocker |
| Payout Schedule | Bi-weekly or on-demand after 14 days | Weekly payouts (Every 7 calendar days) |
| First Payout Eligibility | 14 days from funding First withdrawal 14 days after the funded account is activated, then every 2 weeks from the last approved one, with $150 minimum profit required to request a payout. |
5 trading days from funded stage |
| Consistency Rule | No restrictive lot-size or profit consistency rule | No restrictive consistency rule |
| Islamic / Swap-Free Option | ✓ Native Swap-Free Option Native Swap-Free account option selectable upon registration with zero administration fee markups |
✓ Swap-Free Type Available Swap-Free account type available across cTrader and Match-Trader; zero overnight rollover fees |
| US Residents Accepted | ✗ Restricted | ✗ Restricted |
| Maximum Capital Allocation | $500,000 | $2,000,000 |
Where these figures come from. Read from The5ers' own published rules on : High Stakes daily/total loss mechanics and 00 · High Stakes minimum profitable days table and · Platform availability by residency · MetaQuotes platforms prohibited for US residen · Full banned-strategy list and the termination, · 14-day first withdrawal, 2-week cadence therea · Bootcamp per-step max loss (5% steps 1-3, 4% f · Hyper Growth / Pro Growth 6% stop-out and 3% d · 2-Step Plan daily loss limit stated as 3% of t. Prop firm rules change without notice — confirm on the firm's own site before you pay for an evaluation.
Not independently confirmed. We could not read FundingPips' own rules pages — every request to the site was answered with HTTP 403, so the rules could not be read from here. The figures below are unconfirmed and may be out of date. Check the current rules on FundingPips' own site. Last attempted .
What can end the account even if you are profitable
These are the rules people usually find out about after a payout is refused.
- The5ers: You cannot open or close an order in the four-minute window running from two minutes before to two minutes after a high-impact news release, and if you do, the profit from it is taken off your account and does not count toward your target while the loss still counts against you. source
- The5ers: Copy trading, running an expert advisor whose source code you do not own, sharing or reselling your account, or paying someone to pass a challenge for you gets the account terminated, any profit or refund you were owed withheld, and you permanently banned from The5ers. source
- The5ers: Arbitrage, tick scalping, high-frequency trades lasting seconds, bracketing stop orders around news, hedging the same instrument across accounts, and gambling-sized or one-directional bets carry the same penalty: account closed, profit and refund forfeited, permanent ban. source
- The5ers: You must produce three separate profitable days, each closing at least 0.5% of your starting balance in profit, to clear Step 1, to clear Step 2 and again at every scaling step — hitting the profit target in one big day is not enough to pass. source
- The5ers: If you place no trades for 30 days in a row on an evaluation account, or 60 days in a row on a funded account, The5ers expires the account automatically and you lose it without breaking any trading rule. source
- The5ers: You cannot take any money out for the first 14 days after your funded account is activated, you need at least $150 of profit to request a payout, and after that each request comes two weeks after your last approved one. source
Drawdown Architecture: The5ers vs FundingPips
The fundamental differentiator between The5ers and FundingPips lies in how risk and liquidation thresholds are tracked:
The5ers: Static Balance-Based
The5ers applies a Static Balance-Based approach. Under this structure, your stop loss floor is anchored to balance intervals. This ensures that temporary floating open profits do not pull your stop loss floor higher in real-time.
FundingPips: Static Balance-Based
FundingPips implements a Static Balance-Based model. This provides traders with full intraday flexibility without the fear of open spikes ratcheting up their liquidation point.
The Trader's Verdict: Which Firm Should You Choose?
Depending on your trading style, asset preference, and capital requirements, here is how our research team segments the two providers:
Choose The5ers if you:
- Want Static Balance-Based risk management.
- Trade primarily CFD instruments with MT5, cTrader, TradingView.
- Value Traders looking for instant funding programs, low entry fee Bootcamps, and scaling that reaches $4,000,000 on Bootcamp (High Stakes and Hyper Growth both cap at $500,000).
- Want the ability to hold swing positions over weekends and economic news releases.
- Seek up to $500,000 in maximum scaling capital.
Choose FundingPips if you:
- Prefer Static Balance-Based execution terms.
- Trade MULTI-ASSET via cTrader, Match-Trader, TradeLocker.
- Value Budget-focused algorithmic and manual traders who prioritize ultra-low challenge fees and weekly payout cycles.
- Want flexible swing trading terms without time limits.
- Want access to starting entry fees at $32.