FundingPips now offers three distinct two-step evaluations: 2 Step Standard, 2 Step Pro and 2 Step Flex. Although each path has two profit targets, their loss limits, minimum-day requirements and Master Account reward structures differ sharply.
This comparison reflects FundingPips’ official help-centre rules checked on 30 August 2026. That date matters because the firm removed the old 10% Phase 1 target from new 2 Step Standard accounts on 24 July 2026, and its 2 Step Flex page notes a minimum-day change for new accounts from 26 August 2026. Traders using an older account should follow the terms assigned to that account.
For the wider company assessment, see the FundingPips review.
FundingPips two-step models compared
| Rule | 2 Step Standard | 2 Step Pro | 2 Step Flex |
|---|---|---|---|
| Phase 1 target | 8% | 6% | 10% |
| Phase 2 target | 5% | 6% | 6% |
| Daily loss limit | 5% | 3% | 4% |
| Maximum loss limit | 10% static | 6% static | 12% static |
| Minimum days per phase | 3 trading days | 2 trading days | 1 day with 85% route, or 3 profitable days with 95% route |
| Standard Master reward headline | Multiple cycle choices | 80% weekly | 85% biweekly or 95% with profitable-day conditions |
| Common account-size range | Up to $100K on the current standard range | Up to $200K | Check current checkout |
Official model pages: 2 Step Standard, 2 Step Pro, and 2 Step Flex.
2 Step Standard: balanced targets and familiar drawdown
The current Standard evaluation requires 8% in Phase 1 and 5% in Phase 2, plus at least three trading days in each phase. FundingPips explicitly says the previous 10% target is no longer offered for new accounts from 24 July 2026 at 06:00 server time.
Standard provides a 5% daily loss limit and 10% static maximum loss limit. On a $100,000 account, the overall floor is $90,000. The daily calculation is more dynamic: the firm uses the higher of opening balance or opening equity as that day’s baseline, and floating losses count.
This model offers the most conventional combination of moderate targets and risk room. It may suit traders who want neither Pro’s tight 6% total buffer nor Flex’s larger 10% first-phase target.
The Master stage has several reward-cycle choices, but a larger advertised share usually comes with more eligibility conditions. Traders should compare the timing, minimum profit and consistency requirements on the live model page rather than treating the largest percentage as automatic.
2 Step Pro: smaller targets, tighter risk limits
Pro sets a 6% target in both phases and requires at least two trading days per phase. Its daily loss limit is 3%, and the static maximum loss is 6%.
For a $100,000 evaluation, that means a $3,000 daily allowance and a $6,000 overall buffer. The target-to-drawdown relationship is very different from Standard. Phase 1 asks for less profit, but the trader also has considerably less room to absorb a losing sequence.
FundingPips currently describes the Pro Master reward structure as 80% weekly, available from the first trade subject to the model’s reward rules. “Weekly” refers to the request cycle, not a promise that every account will generate an eligible reward each week.
Pro can fit systematic traders with controlled risk per position and short recovery periods. It is less suitable for a strategy whose historical maximum drawdown routinely approaches 4%–5%, because normal variance would leave very little safety margin below the official 6% line.
2 Step Flex: the widest total buffer and a choice of reward route
Flex requires 10% in Phase 1 and 6% in Phase 2. It provides a 4% daily and 12% static maximum loss limit, the widest overall allowance among these three models.
At purchase, traders choose between two reward structures:
- An 85% route with at least one trading day per evaluation phase for new accounts under the current rule.
- A 95% route that requires three profitable days in each phase, with each qualifying profitable day reaching at least 0.5%.
FundingPips says this choice is locked for the life of the account. It therefore affects both evaluation pacing and later reward eligibility. An account created before the firm’s stated 26 August 2026 change may retain different minimum-day treatment, so older dashboards must be read separately.
Flex gives more overall loss room, but its 10% opening target is the highest in this comparison. That can make it more forgiving during a drawdown while still taking longer to pass at conservative risk.
How FundingPips calculates the daily loss limit
For these models, the daily baseline is the higher of opening balance or opening equity. The permitted percentage is then subtracted from that baseline. Equity must remain above the resulting floor throughout the day, including unrealized P&L.
Example for a $100,000 Standard account:
- Opening balance: $100,000
- Opening equity: $102,000
- Higher baseline: $102,000
- Five percent of baseline: $5,100
- Daily equity floor: $96,900
This method can surprise a trader who carries floating profit into the reset. The higher opening equity can raise the baseline and therefore the numerical loss allowance, but it also anchors the day to a higher starting point. The safest practice is to note the dashboard limit after the server reset instead of relying on mental arithmetic.
The official limit should be treated as an account-closure boundary, not a working stop. A personal daily cap well inside the firm’s line leaves room for spread expansion, commissions, slippage and correlated positions.
Static maximum loss still includes floating P&L
Standard’s 10%, Pro’s 6% and Flex’s 12% maximum-loss limits are described as static relative to starting account size. A static limit does not rise with every new high, which is generally easier to plan around than a trailing threshold.
However, both balance and equity are relevant. A position that briefly pushes equity to the breach level can close the account even if the market later recovers. Traders holding several correlated currency pairs should calculate combined worst-case loss rather than treating each stop independently.
Profit Concentration Policy during evaluation
FundingPips’ current policy applies to newly created evaluation accounts of $25,000 and above across its evaluation models. If one trade idea contributes more than 60% of the phase profit target, the policy is triggered.
Triggering the policy does not itself fail the evaluation. Instead, FundingPips says the resulting Master Account will require four profitable days of at least 0.5% before each reward request. This is a significant lifetime condition for that account.
A “trade idea” can include related positions rather than a single ticket. Splitting one thesis across multiple orders may not prevent concentration. Traders who want predictable reward access should build the phase result from several independent trading days and ideas.
Master Account risk-per-trade rules
Passing an evaluation does not mean every evaluation-stage habit remains acceptable. FundingPips’ Risk Per Trade Idea guide describes a Master-only cap on combined realized and unrealized loss across related positions.
The current guide also describes a striking system for certain Standard Master Accounts above $25,000 and all 1 Step Flex Master Accounts. Because coverage can vary by model and allocation, verify the Master agreement issued to your account. A strategy that passes by taking large concentrated bets may face tighter operational constraints after passing.
News trading and weekend holding
FundingPips’ official news and weekend policy says evaluation-stage positions may be held through news, but purposeful news trading is prohibited. On Master Accounts, trades opened or closed near specified high-impact events can have profits deducted under the detailed time-window rules.
The same policy currently says evaluation positions may be held over weekends, while Master positions are subject to a temporary Friday-close restriction. Positions left open may be closed automatically. These rules are operationally important for swing traders and should be checked each Friday because temporary restrictions can change.
Which FundingPips two-step model fits your strategy?
Choose 2 Step Standard if:
- You prefer 8% and 5% targets.
- A 5% daily and 10% overall buffer fits your system.
- Three minimum trading days per phase are acceptable.
- You want multiple Master reward-cycle options.
Choose 2 Step Pro if:
- You prefer consistent 6% targets in both phases.
- Your strategy can operate comfortably inside 3% daily and 6% total limits.
- Two minimum days per phase matter.
- An 80% weekly Master structure matches your payout preference.
Choose 2 Step Flex if:
- You value a 12% static maximum-loss allowance.
- You can accept a 10% Phase 1 target.
- You want to choose between the 85% and conditional 95% routes at purchase.
- You understand that the choice remains locked to the account.
Practical risk plan before starting
First, export at least several months of results and identify the strategy’s largest daily and total drawdown. Second, divide the firm’s official loss limit by at least two to create a personal buffer. Third, cap correlated exposure as one trade idea. Fourth, decide whether the strategy naturally satisfies the chosen minimum-day or profitable-day rule.
Finally, save the rules displayed when the account is created. FundingPips has published recent effective-date changes, so an old video or review may describe a retired target.
Conclusion
FundingPips Standard is the balanced option, Pro trades smaller targets for much tighter loss room, and Flex combines the largest overall buffer with the highest Phase 1 target. The right model depends on the shape of a trader’s drawdown and the desired Master reward conditions.
Do not choose from target percentage alone. Compare target, daily limit, maximum limit, minimum days and post-pass restrictions as one package. A model is only suitable when ordinary strategy variance remains well inside every boundary.