Funding Pips vs FXIFY: Which Prop Firm Wins in 2026?

Side-by-side breakdown of rules, fees, payouts and who should pick which.

Quick Verdict

Funding Pips and FXIFY both have strong cases, and the tiebreaker is your trading style. See the side-by-side table below and the "who should pick which" section for an honest answer.

Head-to-Head Comparison

MetricFunding PipsFXIFY
Founded20222023
HQDubai, UAELondon, UK
MarketForex/CFDForex/CFD
Minimum fee$30$79
Account size range$5,000 – $200,000$10,000 – $400,000
Profit split80% (up to 90%)80% (up to 90%)
PayoutsBi-weekly (every 14 days from first payout)Bi-weekly (on-demand after 2 payouts)
Challenge model2-step (Phase 1 + Phase 2)1-step, 2-step, or 3-step (trader picks)
PlatformsMT5, cTrader, Match-TraderMT4, MT5, cTrader, DXtrade

Funding Pips Pros

  • Industry-cheapest entry fee ($30 for $5k): undercuts almost everyone
  • Allows news trading, EAs, scalping, and weekend holds
  • High demand among Reddit /r/algotrading users in 2026
  • cTrader support including Smart Trader Tools

FXIFY Pros

  • Choice of 1/2/3-step models: pick your own difficulty vs reward curve
  • Up to $400K account size: largest in the industry
  • Add-ons (no time limit, 90% split, 125% refund) let you customise risk
  • UK-regulated parent makes payouts legally enforceable

Who Should Pick Which?

Pick Funding Pips if: Cost-sensitive traders running EAs who want the cheapest possible 2-step entry.

Pick FXIFY if: Traders who want to customise challenge parameters rather than accept fixed rules.

Test Both Against Your Strategy Before You Pay

Run your backtest through JPTradingCapital's Prop Firm Checker. We evaluate your trades against Funding Pips's and FXIFY's exact rulesets and tell you which one your strategy would actually pass.

Open the Prop Firm Checker →

If the decision is really about who runs the evaluation rather than which firm, our prop firm challenge passing service trades it for you on either firm. The account is bought in your name and we take no share of your payouts.

Full Funding Pips and FXIFY Reviews

Frequently Asked Questions

Which is cheaper, Funding Pips or FXIFY?
Funding Pips is cheaper to start, with a minimum challenge fee of $30. Funding Pips starts at $30 and FXIFY starts at $79. Cheaper entry doesn't always mean better value. Check the profit split, account ceiling, and payout reliability before deciding.
Which has the better profit split, Funding Pips or FXIFY?
Funding Pips offers 80% (up to 90%) and FXIFY offers 80% (up to 90%). Note: most prop firms scale the split with consecutive payouts, so the headline number is just the starting point.
Can I run the same EA on both Funding Pips and FXIFY?
Yes, both firms support MT5 and cTrader, so any EA compiled for those platforms will run on both. You'd still need to verify each firm's news-trading and scalping rules to make sure your strategy is allowed.
Which is more reputable, Funding Pips or FXIFY?
Funding Pips (founded 2022) has the longer track record. FXIFY was founded in 2023 and is still building its payout reputation. For larger account sizes the older firm is usually the safer pick.
Which is better for swing traders, Funding Pips or FXIFY?
Swing traders need to check two things: (1) whether the firm allows weekend holds, and (2) whether the daily drawdown is static or trailing. Trailing DD is brutal for swing positions because intraday peak equity becomes the new floor. See the Pros/Cons section above for each firm's specifics.
Can I use both Funding Pips and FXIFY simultaneously?
Yes, most prop firms allow you to hold multiple accounts at different firms (their rules apply only to their own accounts). Some traders deliberately diversify across 2-3 firms to reduce single-firm risk and stack payouts.