Funding Pips vs The5%ers: Which Prop Firm Wins in 2026?

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

Quick Verdict

Funding Pips wins on value with a lower entry fee ($30 vs $39) with equal or larger max account size. The5%ers may still win on payout reliability and trader reputation if those matter more to you.

Head-to-Head Comparison

MetricFunding PipsThe5%ers
Founded20222016
HQDubai, UAETel Aviv, Israel
MarketForex/CFDForex/CFD
Minimum fee$30$39
Account size range$5,000 – $200,000$6,000 – $100,000
Profit split80% (up to 90%)50% → 75% with scaling
PayoutsBi-weekly (every 14 days from first payout)Monthly
Challenge model2-step (Phase 1 + Phase 2)Bootcamp (1-step) OR High-Stakes Challenge (2-step)
PlatformsMT5, cTrader, Match-TraderMT4, MT5

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

The5%ers Pros

  • 10-year track record (since 2016): one of the oldest prop firms
  • Instant funding option (no challenge) on Bootcamp accounts
  • No daily drawdown limit on most plans
  • Strong educator-style approach, good for newer traders

Who Should Pick Which?

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

Pick The5%ers if: New-to-prop traders who want a slower-paced, education-focused experience.

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 The5%ers'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 The5%ers Reviews

Frequently Asked Questions

Which is cheaper, Funding Pips or The5%ers?
Funding Pips is cheaper to start, with a minimum challenge fee of $30. Funding Pips starts at $30 and The5%ers starts at $39. 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 The5%ers?
Funding Pips offers 80% (up to 90%) and The5%ers offers 50% → 75% with scaling. 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 The5%ers?
Yes, both firms support MT5, 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 The5%ers?
Funding Pips (founded 2022) has the longer track record. Funding Pips was founded in 2022 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 The5%ers?
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 The5%ers 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.