FundingPips and The 5%ers both sell funded accounts to forex traders, but they differ most on account sizes, prices and scaling. FundingPips evaluations cost $33 to $666 for $5,000 to $100,000 accounts, its Zero instant account goes up to $200,000, and all accounts share a $400,000 cap. The 5%ers starts at $19 for a $2,500 High Stakes account and lets Hyper Growth and Bootcamp accounts scale to $4,000,000 (prices checked on 10 Oct 2026).
Here's a quick breakdown:
- FundingPips: Five models with fixed account sizes, static max loss on its evaluations and a payout split set by the reward cycle you choose. There is no automatic scaling; larger capital comes through the invitation-only Prime Account.
- The 5%ers: 1-step, 2-step and 3-step programs whose accounts grow on every profit target, up to $4,000,000 and a 100% split.
Quick Comparison
| Aspect | FundingPips | The 5%ers |
|---|---|---|
| Scaling Approach | No automatic scaling; invitation-only Prime Account | Accounts grow on every profit target (Hyper Growth doubles) |
| Max Funding | $400K combined across accounts; invitation-only Prime accounts up to $2M | Up to $4,000,000 |
| Profit Splits | Set by the reward cycle you choose: 60% to 100% (95% on Zero) | Up to 100% (80% to 100% on High Stakes) |
| Risk Management | Static max loss of 6% to 12% (5% trailing on Zero) | Max loss of 4% to 10% by program |
| Suitability | Structured, disciplined traders | Traders seeking flexibility |
| Starting Price | $33 ($5,000 2 Step Pro) | $19 ($2,500 High Stakes) |
If you value structure and clear rules, FundingPips may be the right choice. For traders who prefer options for their style, The 5%ers provides more variety. Your decision should align with your trading goals and risk tolerance.
Account Sizes and Prices
FundingPips sells $5,000 to $100,000 evaluation accounts for $33 to $666, plus a Zero instant account from $5,000 ($60) to $200,000 ($888). The 5%ers sells smaller entry accounts, from $19 for $2,500, with sizes depending on the program. Both tables show list prices checked on 10 Oct 2026 on each firm's own site.
FundingPips prices by model
| Account Size | 2 Step Standard | 2 Step Flex | 2 Step Pro | 1 Step Flex | Zero (instant) |
|---|---|---|---|---|---|
| $5,000 | $44 | $39 | $33 | $74 | $60 |
| $10,000 | $80 | $70 | $62 | $111 | $88 |
| $25,000 | $216 | $188 | $149 | $255 | $188 |
| $50,000 | $349 | $299 | $249 | $353 | $244 |
| $100,000 | $652 | $555 | $466 | $666 | $444 |
| $200,000 | Not offered | Not offered | Not offered | Not offered | $888 |
Checked on 10 Oct 2026 on fundingpips.com. All active FundingPips accounts share a $400,000 maximum allocation.
The 5%ers prices by program
| Program | Account Sizes | Price |
|---|---|---|
| High Stakes (2-step) | $2,500, $5,000, $10,000, $25,000, $50,000, $100,000 | $19, $35, $69, $176, $249, $405 (Classic version: $22 to $455) |
| Hyper Growth (1-step) | $5,000, $10,000, $20,000, $50,000 | $52, $98, $189, $329 |
| Bootcamp (3-step) | $20,000, $100,000, $250,000 | $22, $95, $225 to start, plus $50, $205 or $350 when funded |
Checked on 10 Oct 2026 on the5ers.com.
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1. FundingPips
FundingPips, which many traders run on a FundingPips VPS, offers preset account sizes from $5K to $200K depending on the model, with a $400K maximum allocation shared across a trader's accounts. Growth beyond that comes through the invitation-only Prime Account, which converts a trader's profit into a larger account (12.5× the profit after split); FundingPips says traders can grow toward $2M in Prime capital.
FundingPips monitors the daily loss and max loss limits on equity in real time, so a floating loss on an open trade can breach the account. The max loss is static on the evaluation models (6% on 2 Step Pro, 10% on 2 Step Standard, 12% on the Flex models) and 5% trailing on Zero.
Stop losses are optional, but FundingPips calls them a critical safety net. On the 2 Step Standard, overnight and weekend holding is always allowed during the evaluation and allowed on the Master account with the Swing add-on.
News rules depend on the model: on 1 Step Flex and the 2 Step models, profits from restricted high-impact news trades are deducted, while FundingPips Zero prohibits news trading and weekend holds altogether. If you run EAs, a forex VPS keeps them running when your own PC is off.
2. The 5%ers
Unlike FundingPips, The 5%ers lets accounts grow on every profit target, and many of its traders keep MT5 running on The5ers VPS hosting. Its site now lists three CFD programs, 1-Step Growth (Hyper Growth), 2-Step High Stakes and 3-Step Bootcamp, plus separate Futures and Stock Trading offers.
The Hyper Growth Program is built for traders who prefer rapid account scaling. Account balances double every time traders hit the 10% target, from $5,000, $10,000, $20,000 or $50,000 starting sizes up to $4,000,000. It has a 6% stop-out level and a 3% daily loss limit, with a profit split of up to 100%.
Prop Firm Match notes: "The 5%ers offer a feature called 'Hyper Growth,' which doubles the account balance with each milestone achieved. This accelerates account growth, potentially reaching over $4,000,000 in funding. It is particularly beneficial for traders with lower trading frequency, such as swing traders."
High Stakes is the 2-step challenge: 10% then 5% targets on the current version (8% then 5% on the Classic version), with a 5% daily and 10% max loss (4% and 8% from $50,000). Funded accounts scale on each 10% target up to $500,000 with an 80% to 100% split, and the5ers.com lists a $4,000 fixed payout from $350,000 and a $10,000 fixed payout at $500,000. Because it caps at $500,000, High Stakes is not the fastest route to a large account; Hyper Growth is.
The Bootcamp Program takes a more gradual path: three evaluation steps with a 6% profit target and 5% max loss each, then a 5% target, 4% max loss and 3% daily pause once funded. Bootcamp accounts can also scale up to $4 million.
| Program | Scaling Method | Max Funding | Profit Split | Fixed Payouts |
|---|---|---|---|---|
| Hyper Growth | Double balance every 10% profit | $4,000,000 | Up to 100% | None |
| High Stakes | 10% profit targets | $500,000 | 80% to 100% | $4,000 from $350,000; $10,000 at $500,000 |
| Bootcamp | 5% profit targets | $4,000,000 | Up to 100% | None listed |
Checked on 10 Oct 2026 on the5ers.com.
According to AquaFunded, "The 5%ers reward traders who show consistent performance. They offer an impressive scaling option, allowing traders to boost their payout percentage to 100%. Plus, hitting your profit targets with most accounts means you can double your account size. This scaling plan stands out in the industry for its generosity and trader-friendly nature."
Withdrawals open 14 days after a funded account is activated, then every 2 weeks, with a $150 minimum and a 3.5% fee on Rise, crypto and bank payouts.
These options demonstrate how The 5%ers cater to a wide range of traders by offering programs that align with different goals and risk preferences.
Drawdown Rules Side by Side
FundingPips uses static max loss limits of 6% to 12% on its evaluations, while The 5%ers ranges from a 4% funded max loss on Bootcamp to 10% on High Stakes. The table lists each program's targets, loss limits and starting price (checked on 10 Oct 2026).
| Firm and Program | Profit Target | Daily Loss | Max Loss | Starting Price |
|---|---|---|---|---|
| FundingPips 2 Step Standard | 8%, then 5% | 3% or 5% | 10% static | $44 ($5,000) |
| FundingPips 2 Step Pro | 6%, then 6% | 3% | 6% static | $33 ($5,000) |
| FundingPips 2 Step Flex | 10%, then 8% | 4% | 12% static | $39 ($5,000) |
| FundingPips 1 Step Flex | 12% | 2% or 3% | 12% static | $74 ($5,000) |
| FundingPips Zero | None | 3% | 5% trailing | $60 ($5,000) |
| The 5%ers High Stakes | 10%, then 5% (Classic: 8%, then 5%) | 5% (4% from $50,000) | 10% (8% from $50,000) | $19 ($2,500) |
| The 5%ers Hyper Growth | 10% | 3% | 6% stop-out | $52 ($5,000) |
| The 5%ers Bootcamp | 6% per step, 5% funded | 3% daily pause (funded) | 5% per step, 4% funded | $22 ($20,000) plus $50 when funded |
Pros and Cons
FundingPips and The 5%ers cater to different trading styles by offering unique approaches to scaling and risk management. Here's a closer look at the strengths and weaknesses of each platform.
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FundingPips uses static maximum loss limits on most models (6%–12% depending on the model, 5% trailing on Zero) and has no automatic scaling ladder; larger capital comes through the invitation-only Prime Account. This setup rewards disciplined trading and provides a clear, predictable path for traders aiming to manage larger capital over time. However, its structured nature may feel limiting for traders who prefer a more performance-based or dynamic progression.
The 5%ers, on the other hand, offers a range of risk management frameworks for different challenge types. This flexibility allows traders to choose options that align with their risk tolerance and trading style. While this variety can be a strong advantage, it might also feel overwhelming for newcomers trying to understand the available choices.
Here's a side-by-side comparison to highlight the key differences:
| Aspect | FundingPips | The 5%ers |
|---|---|---|
| Scaling Approach | Fixed and predictable progression | Flexible frameworks for varied styles |
| Risk Management | Strict drawdown limits | Multiple options for different challenges |
| Suitability | Best for traders valuing structure | Great for those seeking adaptability |
If you value a clear, structured path, FundingPips might be the better fit. But if you're looking for flexibility and options for different trading approaches, The 5%ers could be the way to go.
Whichever firm you choose, if you trade on MT5 a forex VPS keeps your terminal connected when your PC is off.
Conclusion
Deciding between FundingPips and The 5%ers ultimately comes down to your trading style and what you prioritize in a funded trading program. Both firms offer unique approaches to scaling, risk management, and drawdowns, catering to different types of traders.
If you prefer structure and clear, defined rules, FundingPips might be your go-to. It has no automatic scaling ladder: you grow by adding accounts up to the $400,000 cap or through an invitation to Prime. That fixed setup may feel limiting if you want fast account growth, where The 5%ers' Hyper Growth doubling to $4,000,000 fits better.
On the other hand, The 5%ers offers flexibility. With various challenge types and risk frameworks, it offers something for traders who like to tailor their approach. This variety can be a major advantage for seasoned traders who know their strengths and weaknesses. That said, the range of options might feel overwhelming for beginners still exploring their trading style.
As mentioned earlier, conservative traders may find FundingPips' strict drawdown limits appealing for protecting capital. Meanwhile, those with a higher risk appetite might gravitate toward The 5%ers' more adaptable risk-reward setups.
Take a step back and evaluate your experience, risk tolerance, and long-term goals. The right platform will align with your trading psychology and help set the stage for your success in funded trading.
FAQs
How do FundingPips and The 5%ers differ in risk management?
For managing risk, FundingPips and The 5%ers take distinctly different approaches, especially regarding drawdowns and overall risk controls.
FundingPips sets clear and strict boundaries with daily and overall drawdown limits. These rules are designed to help traders keep losses under control. While they provide helpful guidelines on using stop-loss orders and position sizing, traders are not required to use stop-losses, leaving some flexibility in execution.
On the other hand, The 5%ers adjusts its risk management rules based on the specific challenge a trader chooses. Each program comes with different maximum loss percentages, giving traders the ability to select a plan that matches their personal risk tolerance and trading style.
Both firms prioritize disciplined trading, but their methods are designed for suit different trading preferences and strategies. Whether you prefer rigid boundaries or adaptable rules, each platform offers something unique for traders to consider.
How do The 5%ers and FundingPips differ in their scaling options for traders?
The 5%ers scales accounts automatically: Hyper Growth doubles the balance on every 10% target up to $4,000,000, High Stakes scales on 10% targets up to $500,000, and Bootcamp grows on 5% targets up to $4,000,000.
FundingPips, on the other hand, has no automatic scaling plan for standard Master accounts. Growth comes through the invitation-only Prime Account, which FundingPips offers based on trading performance.
If you want the fastest path to a large account, The 5%ers' Hyper Growth is the better fit. If you prefer fixed account sizes, choosing your own payout cycle and growing through Prime by invitation, FundingPips is more suitable.
How do FundingPips and The 5%ers compare in terms of account scaling and risk management?
The 5%ers scales by doubling: Hyper Growth accounts double on every 10% target up to $4,000,000. FundingPips has no automatic scaling; traders grow through the invitation-only Prime Account, which FundingPips says can reach $2,000,000.
On drawdowns, FundingPips uses a static max loss of 6% to 12% on its evaluations (5% trailing on Zero), while The 5%ers uses 4% to 10% depending on the program (checked on 10 Oct 2026).
