Updated September 28, 2026 · BrokerCue Editorial Team
Funding Pips vs Instant Funding
Where Funding Pips and Instant Funding differ
| Compare | Funding Pips ReviewSee alternativesSee alternatives |  Instant Funding |
|---|---|---|
| Profit split | 100%Higher | 80% to 90% |
| Maximum drawdown | 12%Higher | 10% |
| Evaluation steps | 2 step | Instant |
| Account sizes | $5K, $10K, $25K, $50K, $100K | $625 to $4,000,000 (USD and ZAR) |
| Payout frequency | Weekly, bi-weekly, monthly, daily, on demand | First payout 14 days after first trade, then every 7 days |
| Challenge price | $29 to $555 | Not confirmed |
| Daily loss limit | 4% | Not confirmed |
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Key differences
- Funding Pips scores higher overall: 9.2 vs 9.0.
- Founded is lower at Instant Funding: 2021 vs 2022.
- Profit split is higher at Funding Pips: 100% vs 80% to 90%.
- Maximum drawdown is higher at Funding Pips: 12% vs 10%.
Our verdict on each
Funding Pips
Funding Pips suits traders who want the full profit split and roomy drawdown rules on a 2 step evaluation at a $29 to $555 entry fee. The generous 12% limit and 100% share sit at the top of the field, though the entry cost is higher than some rivals.
Instant Funding
Instant Funding suits traders who want a funded account without a staged evaluation, since its steps are listed as instant. The profit split of 80% to 90% is the trade-off to weigh: it sits under the 100% of Funding Pips and the 100% of Apex Trader Funding.
Score breakdown
| Area | Funding Pips | Instant Funding |
|---|---|---|
| Cost | 9.8Challenge fees run $29 to $555, from the lowest tier to the largest, with $5K, $10K, $25K, $50K, $100K to size the buy. | Not confirmed |
| Offer | 9.8HigherA 100% profit split and Weekly, bi-weekly, monthly, daily, on demand payouts, with a 12% maximum drawdown and a 4% daily loss limit. | 9.2Offer spans $625 to $4,000,000 (USD and ZAR) of accounts and a 10% cap, with room to start small or scale up. |
| Trust | 8.3 | 8.8Higher |
How they place
| Ranking | Funding Pips | Instant Funding |
|---|---|---|
| Prop trading firms | 12 of 37 | 4 of 37 |
If neither fits
Fidelcrest has maximum drawdown at 10% to 20%, against 12% for Funding Pips and 10% for Instant Funding.
Fidelcrest reviewWhat we checked
Funding Pips
- fundingpips.com: 10 facts, checked September 26, 2026
- help.fundingpips.com: 1 fact, checked September 26, 2026
Instant Funding
- instantfunding.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Funding Pips | Instant Funding |
|---|---|---|
| Legal entity | FundingPips Corp | IF Pro Ltd (trading name Instant Funding); payment agent Acello Ltd |
| Headquarters | Comoros | United Kingdom |
| Founded | 2022 | 2021Lower |
| Support channels | Email, Chat, Help centre, Community | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Funding Pips | Instant Funding | Median |
|---|---|---|---|
| Challenge price | $29 to $555lowest quarter | Not confirmed | $75 |
| Profit split | 100%highest quarter | 80% to 90%at the median | 90% |
| Maximum drawdown | 12%highest quarter | 10%at the median | 10% |
| Daily loss limit | 4%above the median | Not confirmed | 3% |
Median across 26 listed brokers.
Pros and cons
Funding Pips
Pros
- The profit split is 100%, first of 13 brands compared on that measure.
- A 12% maximum drawdown ranks first among 8 brands measured for it.
- Payouts run Weekly, bi-weekly, monthly, daily, on demand, so funded traders are not held to a single cycle.
Cons
- The challenge price of $29 to $555 is higher than the entry fee of Alpha Capital Group at $27.
- The daily loss limit of 4% tightens the risk a trader can take on a single session.
- Support runs on email, chat and help centre only, with no phone line listed.
Instant Funding
Pros
- The steps are listed as instant, so there is no staged evaluation to sit through before a funded account starts.
- Payouts run on a published rhythm, First payout 14 days after first trade, then every 7 days, rather than a discretionary request.
- Account sizes are listed as $625 to $4,000,000 (USD and ZAR), so the same rules cover a small starting balance and the larger end of the range.
Cons
- The 80% to 90% split leaves less of each payout than Funding Pips and Apex Trader Funding, which pay 100% and 100%.
- The 10% limit is the loose end of the range Alpha Capital Group offers, which runs 4% to 10%.
- Support runs on email, chat and help centre, with no phone line listed for account problems.
Who each suits
Funding Pips
Who it suits
- Traders chasing the full 100% rather than a reduced share of profits.
- Anyone who wants a 12% maximum drawdown rather than a tighter cap.
- Traders who prefer Weekly, bi-weekly, monthly, daily, on demand payouts to waiting on a monthly cycle.
Who should look elsewhere
- Traders shopping on the lowest entry fee alone, since Alpha Capital Group lists $27 and OFP Funding lists $35.
- Anyone who needs phone support, as the listed channels are email, chat and help centre.
- Traders who want a longer evaluation, since the route here is 2 step.
Instant Funding
Who it suits
- Traders who want funding without a staged evaluation, since steps are listed as instant.
- Traders who can hold position sizes inside a 10% drawdown cap.
- Traders who prefer cash arriving on a known schedule, First payout 14 days after first trade, then every 7 days.
Who should look elsewhere
- Traders who want the whole profit, since Funding Pips and Apex Trader Funding pay 100% and 100%.
- Traders who want a firmer risk rule, since Alpha Capital Group runs a drawdown of 4% to 10%.
Current offers
Funding Pips
Current offer
Discount code
20% off first challenge with code HELLO: 20% off first challenge
Excludes 100K accounts
Source, checked September 26, 2026
Free trial
Free Trial evaluation: Free evaluation on 2 Step and 2 Step Pro models
No purchase required, MT5, USD, 14 calendar days per evaluation phase, same targets and loss limits as the paid models
Source, checked September 26, 2026
Instant Funding
Current offer
Discount code
30% off Clarity and Original - code IF30: 30% off
Single-use code; no minimum spend; not valid on Evolve; 20% off again on Jan 15
Source, checked September 26, 2026
Discount code
BFBOOST: 10% off
Multi-use code; includes four free add-ons and double PlusPoints
Source, checked September 26, 2026
Discount code
BF2090: 20% off
Multi-use code; includes a free 90% profit split add-on and double PlusPoints
Source, checked September 26, 2026
Discount code
BFNEW: 42% off Instant Funding, IF Micro and IF1
New customers only; not for returning purchasers or account will be voided
Source, checked September 26, 2026
Discount code
BF1: 37% off plus a free $2,000 IF1 account
All customers; spend $100 after discount or more in one purchase; free $2,000 IF1 account sent by email code on Dec 15; one per trader
Source, checked September 26, 2026
Questions about each
Funding Pips
What does a Funding Pips challenge cost?+
Fees run $29 to $555 in total depending on the account you pick, and the site median for a challenge like this is €56.56. Because the evaluation is 2 step, the total entry cost covers a shorter route to a funded account than a longer staged process would.
How much of my profits do I keep?+
The profit split is 100%, so a funded trader keeps the whole of the profits. That is the strongest point on the sheet for anyone comparing shares, and it is why the entry fee sits above some rivals.
Instant Funding
Is there an evaluation to pass before trading?+
The steps are listed as instant, so there is no multi-stage challenge to clear first. Account sizes are listed as $625 to $4,000,000 (USD and ZAR), which covers a small starting balance and the larger end of the range, with the same rules at each size.
How often are payouts made?+
Payouts follow First payout 14 days after first trade, then every 7 days. The rhythm is stated in advance, so a trader can plan cash movements around the calendar instead of waiting on a discretionary decision. The share kept from each payout is 80% to 90%.