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Comparison · Forex

How much freedom you get at Atlas Funded and FundingPips

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Time limits

Freedom in time is restricted in different ways by both firms, pressuring the trader either to wait or to rush.

  • Atlas Funded: You are not free to pass an evaluation instantly; you are forced to trade for at least 3 days per phase in the 1, 2, and 3-step programs. On funded accounts, you are restricted by a 5-day minimum trading requirement per cycle (3 days for Pro and Access), preventing you from taking a single trade and waiting for the payout.
  • FundingPips: While most models have no maximum deadline, the Labs 247 accounts limit your freedom to 6 months for the evaluation and another 6 months for the Master account. In terms of speed, the 2-step Standard model restricts you with a 3-day minimum, and the 2-step Flex requires 1 day, limiting the possibility of a "one-shot" pass.
  • Inactivity: Both firms limit your freedom to step away from the markets. You cannot leave your account idle for more than 30 days; doing so results in a hard breach and the loss of the account.

Weekends and news

The ability to trade whenever you want is heavily restricted by specific windows and additional costs.

  • Atlas Funded: You are restricted during high-impact news on funded accounts. You cannot keep profits from trades opened or closed within 5 minutes of the event. Furthermore, your trading style is limited by the "Atlas Protector," which closes your positions and cuts your profit split to 50% if your floating loss reaches 2% of the initial balance.
  • FundingPips: Your freedom to hold positions over the weekend is restricted by a paywall. In most models, you are not allowed to hold over the weekend unless you pay a "Swing" add-on at purchase. In the Zero model, weekend holding is a hard breach. Regarding news, the Master accounts have a 5-minute restricted window where profits are deducted, and in the Zero model, any activity during news is a hard breach.

Where you can trade from

Geography and privacy are significant barriers depending on the firm you choose.

  • Atlas Funded: Your freedom to use a VPN is limited; you cannot use it to conceal your identity or location. You are restricted from trading from locations inconsistent with your registration unless you provide advance notice.
  • FundingPips: This firm imposes strict geographic restrictions. You are not allowed to trade if you are a resident of the United States, United Arab Emirates, Iran, Israel, or Vietnam. This completely blocks access to traders from these jurisdictions.

What the platform limits

Technical and strategic freedom is constrained by software choices and execution rules.

  • Atlas Funded: You are restricted to MetaTrader 5, TradeLocker, and MatchTrader; you cannot use cTrader. Your trading style is limited by a "no-scalping" rule on funded accounts: you are not allowed to keep profits from trades held for less than 3 minutes. Additionally, you are prohibited from using Martingale, stacking positions, or hedging across different accounts.
  • FundingPips: Strategic freedom is severely limited regarding Expert Advisors (EAs). You are not allowed to use third-party EAs unless they are strictly risk managers; full automation is only permitted if you own the code. You are also restricted by a maximum lot limit (e.g., 40 lots for $100k+ accounts), and using cTrader is restricted by a 20% price surcharge.

What the rules cost you

The price of the challenge is the ultimate limit on how many attempts your capital can survive.

  • Atlas Funded: Your risk freedom is limited by a drawdown that can be as tight as 4% (Instant Zero) or 7% (1-Step). Payouts are restricted by a 14-day waiting period (28 days for Access), and the "Access" model requires an additional activation fee after passing the evaluation, limiting your initial liquidity.
  • FundingPips: The 100% profit split is restricted to the Monthly cycle, which forces you to wait longer for your money. If you want faster payouts (Weekly), your split is restricted to 60%. Your risk margin is also limited in the Labs 247 model, where you only have a 4% total drawdown and a 2% daily limit.

Restrictions that add up

The combined weight of these rules creates a high-pressure environment. At FundingPips, the prohibition of US/UAE residents, combined with the extra cost for cTrader and the mandatory "Swing" add-on to avoid closing trades on Fridays, creates a financial barrier before you even place a trade. At Atlas Funded, the 3-minute minimum hold rule combined with the news trading profit deductions on funded accounts effectively disables most intraday strategies, forcing a specific type of slow execution that may not fit every trader's edge.

Frequently asked questions

Which firm is more restrictive for US-based traders, Atlas Funded or FundingPips?

FundingPips is completely restrictive for US residents, as it includes the United States on its list of banned countries. Atlas Funded does not list the US as a banned country in its structured data, making it the only viable option between the two for traders in that jurisdiction.

Which firm limits your platform choice more, Atlas Funded or FundingPips?

Atlas Funded is more restrictive because it does not offer cTrader at all, limiting you to MT5, TradeLocker, or MatchTrader. FundingPips offers cTrader, although it limits your freedom to use it by imposing a 20% surcharge on the challenge price.

Between Atlas Funded and FundingPips, which has a stricter news trading rule?

FundingPips is stricter in its Zero model, where trading news is a hard breach (account closure). In other models, both firms are similar: Atlas Funded deducts profits from trades opened/closed within a 5-minute window of high-impact news, and FundingPips does the same on Master accounts unless the trade was opened 5+ hours prior.

Which firm is cheaper to start a $5,000 challenge, Atlas Funded or FundingPips?

FundingPips is cheaper for a standard evaluation, with its 2-Step Standard $5k account priced at $34 and the 2-Step Pro at $29. Atlas Funded's cheapest $5k options are the 3-Step at $34 or the 2-Step at $43. However, Atlas Funded offers an "Access" account for $5, though this is limited by a mandatory activation fee of $52 after passing.

Field by field

Atlas Funded and FundingPips, side by side

Rules, plans, platforms, leverage, commissions and payouts of both, with the option to see only what differs.

Head to head

60 differences

50%off · Exclusive
Headquarters

Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia

IFZA Business Park DDP Dubai U.A.E.

CEO

Lucas Antonio

Khaled Ayesh

Country

Saint Lucia

United Arab Emirates

Foundation

2024

2022

Banned Countries
No data
United States, Iran, Israel, Vietnam, United Arab Emirates
Assets
Forex, Indices, Metals, Energies, Crypto
Forex, Indices, Commodities, Crypto, Stocks
Refund
Yes

First Access order: the entry fee is credited in full as Atlas Balance, not cash back to a card. Otherwise, the challenge fee is returned as Atlas Balance on that account's third consecutive payout. Add-ons excluded. Access activation fee excluded.

Yes

1 and 2 Step: Full refund with first payout

Platforms
MetaTrader 5, TradeLocker, MatchTrader
Metatrader 5, MatchTrader, cTrader
Payout Methods
Rise, USDT ERC20, Atlas Balance
Transfer, Crypto, Rise
Payment Methods
Credit Card, Apple Pay, Google Pay, Crypto, Atlas Balance
Card, Crypto, Transfer, ApplePay, GooglePay, PayPal, Neteller, Skrill
Payout Frequency

1-Step, 2-Step, Pro and 3-Step: first payout after 14 days, then every 14. Access: first after 28 days, then every 14. Instant Funded and Instant Zero purchased from 17 October 2026: first after 14 days, then every 14; Weekly add-on: first after 7 days, then every 7. Earlier Instant accounts: first after 28 days, then every 14; Weekly: first after 14 days, then every 7. Weekly on other eligible plans: first after 14 days, then every 7. On-Demand: first immediately, then every 14. Daily Payouts on Pro: daily.

  • 2-Step Standard: Weekly, Bi-Weekly, Monthly or On Demand
  • 2-Step Pro: Weekly or Monthly
  • 1 Step Flex and 2-Step Flex: Bi-Weekly or Monthly
  • FundingPips Zero: Bi-Weekly
  • Prime: Daily, any number of requests
  • Labs 247: Daily
Payout Guarantee

First payout: 24 working hours; subsequent payouts: 48. Working hours: Monday-Friday, 09:00-17:00 BST. Late payment: $500 with that payout and $500 with the next. Giveaway and collaborator accounts excluded.

No data
Crypto Weekend Trading
No
Yes

Labs 247: crypto trading and weekend holding are available 24/7 in Evaluation and Master. Other models retain their existing restrictions.

Maximum Withdrawal

Instant Zero: buffer of 3% of account size. The table limit applies to each of the first three payouts. Other plans: up to available profit; Daily Payouts adds its own conditions.

No data
Minimum Withdrawal

Profit required to request: $50 on 1-Step Pro and 2-Step Pro; $100 on other programs. No additional minimum on the chosen withdrawal amount.

  • On Demand payout: 1%
  • Tuesday, bi-weekly and montly: 1%
  • Prime: 1% of Prime Account size (or Scaled Prime Account Size after scaling)
  • Labs 247: 1% of the account size
Brokers
No data

Liquidity Provider

Payout Fee
No data

$10

Demo Account
No data
MatchTrader
ID-PasswordVjEbC!Y6
Metatrader 5
ID10496903PasswordVjEbC!Y6ServerFundingPips Corp (2)
Forex
100:1
  • 1 Step: 30:1
  • 2 Step: 100:1
  • Zero: 50:1
  • Prime: up to 1:2000 (tiered Standard Leverage Plan)
Metals

Varies by symbol and platform; check the instrument specifications.

  • 1 Step: 10:1
  • 2 Step: 30:1
  • Zero: 20:1
  • Prime: up to 1:2000 (tiered Standard Leverage Plan)
  • Labs 247: 5:1
Energies

Varies by symbol and platform; check the instrument specifications.

10:1

  • Prime: up to 1:2000 (tiered Standard Leverage Plan)
  • Labs 247: 5:1
Indices

Varies by symbol and platform; check the instrument specifications.

  • 1 Step: 5:1
  • 2 Step, Zero: 20:1
  • Prime: up to 1:2000 (tiered Standard Leverage Plan)
  • Labs 247: 5:1
Crypto

Varies by symbol and platform; check the instrument specifications.

  • 1 Step: 1:1
  • 2 Step, Zero: 2:1
  • Prime: up to 1:2000 (tiered Standard Leverage Plan)
  • Labs 247: 5:1
Stocks
No data

Labs 247: 5:1

Forex
No data
0
Metals
No data
0
Energies
No data
0
Indices
No data
0
Stocks
No data
0
Crypto
No data
0
Swap Free
No data
No
Account Reset
Yes

Fresh account in the same phase, retaining passed phases. Offer available for 7 days after a breach. Price depends on the plan and phase.

10% discount for failing during the evaluation phase. Valid for 7 days and only for accounts of the same model and size (FundingPips Zero excluded).

Add-ons
Yes

Weekly, On-Demand, Daily Payouts, no minimum days and 100% split, depending on plan. Individual add-ons: +20%; Daily: +25%; bundle: +45%. Daily Pro: 2% buffer and 3% cap per payout for the first three.

Yes

cTrader (+20%)
Swing: overnight and weekend holding on Master accounts for 1 Step Flex, 2-Step Standard, 2-Step Pro and 2-Step Flex; selected at purchase

Instant
Yes
Yes
One Step
Yes
Yes
Account scaling
Yes

Scaling for consistent performance without a new evaluation. Documentation allows exceeding the standard allocation but does not publish exact thresholds.

Yes

Level 1 – Launchpad (Novice)

Requires 4 payouts and 10% profit. Grants +20% capital and +1% drawdown.

Level 2 – Ascender (Intermediate)

Requires 8 payouts and 20% profit. Grants +30% capital, +2% total max drawdown, and +1% daily drawdown.

Level 3 – Trailblazer (Advanced)

Requires 12 payouts and 30% profit. Grants +40% capital and 13% max drawdown.

Level 4 – Hot Seat (Elite)

Requires 16 payouts and 40% profit. Doubles initial balance, offers 100% reward split, on-demand payouts, up to $2M capital, and monthly bonuses.

Level 5 – Elite Trader Status (Advanced Hot Seat)

Unlocks advanced tools, +1% additional max drawdown (4% total cumulative), +1% additional daily drawdown (2% total), customized trading conditions, and monthly bonuses based on initial account size ($100–$500).

Prime

The first four scale-ups require +5% total profit; from the fifth onward, +10%, measured against the starting size of the current level. Required profitable days: none for the first scale-up, 2 for the second and third, 4 for the fourth, and 10 from the fifth onward. Each profitable day must close at +1% or more of the account size; the counter resets after each scale-up. Each scale-up adds +10% to the current level's starting size, up to $2M. At Level 10 or $2M: Certified FundingPips Trader status, listed on the Tradin Investor Marketplace with 20% profit share on investor capital.

Labs 247 → Prime

After 5 rewards or $20,000 in total rewards across one or all Labs 247 accounts, the trader becomes eligible for an invitation to a $50,000 Prime account. The Labs 247 accounts close when the trader moves to Prime.

Two Steps
Yes
Yes
Max Drawdown

1/2/3-Step: static. Instant: trailing closed balance, updated at 00:00 UTC; does not lock at starting balance. Access: trailing equity, including floating profit. After withdrawal, recalculated from the new balance, except Pro, where the original floor remains.

  • 1 Step Flex, 2 Step: Static
  • Zero: Trailing
  • Prime: 8% static below the starting balance; recalculated only after a scale-up
  • Labs 247: 4% static in Evaluation and Master
Profit Split

100% with add-on. First Atlas Protector trigger: 50% for the account's remaining life. First On-Demand payout: 50% for that payout only.

Reward split depends on the selected reward cycle and account configuration.

  • 2-Step Standard: Weekly (60%), Bi-Weekly, On Demand (90%) or Monthly (100%)
  • 2-Step Pro: Weekly or Monthly (100%)
  • 1 Step Flex: Bi-Weekly or Monthly (100%)
  • 2-Step Flex: Bi-Weekly, with an alternative 95% split selected at purchase at the same price, or Monthly (100%)
  • FundingPips Zero: fixed Bi-Weekly cycle
  • Prime: 80%, Daily, any number of requests
  • Labs 247: Daily

The Monthly cycle requires consistency and profitable days. Earlier purchases retain their legacy conditions.

Free Trial
Yes

Website offers a free $1,000 simulated trial, one per verified person; KYC required.

No
Daily Drawdown

Resets at 00:00 UTC from equity. Standard plans subtract a fixed amount based on account size; Instant and Access subtract a percentage of equity at reset. Intraday profit does not raise the daily floor.

Higher of the opening balance or equity for the trading day

  • Prime: 3% (soft breach, pauses trading for the rest of the day, account stays open, resumes at 00:00 UTC+3)
  • Labs 247: 2% of the starting balance in Evaluation and Master
Three Steps
Yes
No
Max Allocation
400,000
300,000
Maximum Accounts

Multiple accounts allowed within the total allocation limit.

Labs 247: maximum 5 accounts per user. These accounts are separate from the standard capital allocation.

Maximum Trading Days

No evaluation deadline. Access: activate within 30 days after passing.

Labs 247: 6 months for the Evaluation phase and a separate 6-month period for the Master account.

Minimum Trading Days

Evaluation: 3 days per phase on 1/2/3-Step; no minimum on Pro and Access. Funded per cycle: 5 on 1/2-Step and Instant; 3 on Pro, 3-Step and Access.

New purchases and resets from 28 September 2026:

  • 2-Step Standard: 3 trading days per evaluation phase; no minimum with the 3% daily-loss configuration
  • 2-Step Pro: no minimum trading days
  • 1 Step Flex: no minimum trading days
  • 2-Step Flex: 1 trading day per phase on the standard reward configuration; the alternative configuration requires profitable days
  • Labs 247: no minimum trading days
    Earlier purchases retain their legacy conditions.
Points Reward Program

Atlas Balance for purchases, resets and add-ons; cannot be withdrawn as cash. VIP: 26 ranks across 8 tiers, from Bronze to Atlas Black. XP from purchases, payouts, funded trading, tasks and achievements. Rank-up rewards: Balance and Atlas Packs, unlocked after the first paid order. Rank-based cashback: 3%-10%; bonus for payouts taken as Atlas Balance: 10%-25%. Spending Balance or trading losses do not lower rank; reversed payouts remove their XP.

Atlas Packs: one random prize per pack, with published odds. Available through paid orders, rank-ups or Atlas Balance. Prizes include challenges, resets, add-ons, discounts, Balance, XP and packs.

Access: every account includes an Access Pack with a discount on that account's funded activation fee, up to full coverage. Pack reward and promo code cannot both reduce the funded fee.

No data
Monthly Competition
Yes

Free monthly competition; simulated account prizes. Registration follows the official schedule.

Yes

Participant Limit: Up to 50,000 participants. Registration closes once full.

Prizes

  • 1st: 100K Evaluation + $1,500
  • 2nd: 100K Evaluation + $1,200
  • 3rd: 100K Evaluation + $1,000
  • 4th: 100K Evaluation
  • 5th: 50K Evaluation
  • 6th–10th: 25K Evaluation
  • 11th–20th: 10K Evaluation
  • Bonus Prize: 13 random participants (ranked 4th–1000th) receive $100 each.

Rules

  • Max loss: 10%
  • Daily loss: 5%
  • No EAs
  • No exploiting unrealistic demo fills
  • One account per person
Minimum Profitable Days

Funded: 1/2-Step: each day must close at least +0.5%; Instant: +1%; Access: +0.5%. Pro and 3-Step: day with a closed trade, no minimum daily profit. Counter resets after each payout.

Zero: Minimum of 7 days with 0.25% profit or more by the end of each 30-day period. Failure to meet this requirement will result in a rule violation.

  • Monthly reward cycle (1 Step Flex, 2-Step Standard, 2-Step Pro, 2-Step Flex): 7 profitable days per cycle, each with at least 0.5% of the starting Master account size; the count resets after each reward
  • 2-Step Flex alternative reward configuration: 3 profitable days per evaluation phase and per Bi-Weekly Master reward cycle, each with at least 0.5% of the starting account size
Merge Accounts
No data
Yes

A Master account can only be merged with another Master account from the same evaluation model.

Merging accounts is not supported in the FundingPips Zero Model.

  • Prime Accounts: any Prime accounts can merge, regardless of the originating model. Request through the dashboard; the resulting account takes the higher of the two scale-up levels. Merged size respects the $2M maximum.
Expert Advisor (EA)
Yes
Yes

Default rule (third-party EAs): Permitted ONLY when used strictly as a trade or risk manager. Any other use of a third-party EA = denial of evaluation/reward and account closure.

Personal EA Exception
Full automation allowed only with proof of ownership of the EA code.

Account-type exceptions

  • 1K Instant Account: third-party EAs and trade copiers permitted (full automation OK).
  • Monthly Competition: ALL EAs prohibited (including personal with proof).
VPN
Limited

Must not conceal location or identity. Give advance notice of locations inconsistent with registration.

Yes
Hedging
Limited

Allowed within one account. Prohibited across accounts, brokers or firms.

No
Requires Stop Loss
No
No
Scalping
Limited

On funded accounts, profits from trades held under 3 minutes are deducted. Losses remain; the deduction does not close the account.

Yes
Stacking / Layering (DCA)
No
Yes
Martingale
No
No data
Maximum Risk Limit
Yes

Funded: the greater of net floating loss and the sum of losing positions, at 2% of initial balance, trigger Atlas Protector. First trigger: positions closed and split cut to 50%; second: account closed. Using 80% of margin closes positions and deducts their profits. Risk per instrument limited to 50% of the daily limit where applicable.

Yes

There is a limit on simultaneous open lots:

  • $5K–$10K: no limit
  • $25K: 10 lots
  • $50K: 20 lots
  • $100K or more (including merged accounts): maximum 40 lots

Penalties

  • 1st violation: warning
  • 2nd violation: removal of excess profits, reward reduced to 30%, and account closure

1 Step Flex, 2-Step Flex, 2-Step Pro and 2-Step Standard

Risk Per Trade Idea and the Striking System are removed in Evaluation and Master for new purchases from 28 September 2026. Earlier purchases retain their legacy conditions.

Copy Trading
Limited

Only between your own Atlas accounts; copying other traders or external accounts is prohibited.

Yes

Permitted

  • Copying trades between your own FundingPips accounts (registered under same individual).
  • Using your FundingPips account as MASTER to copy to external accounts (as slave).

Prohibited

  • Copying between FundingPips accounts of different users.
  • Coordinated trading across master accounts not owned by same individual.
  • Inbound copy trading (external source as master, FundingPips as slave).
  • Third-party account management (immediate termination).
News Trading
Limited

Unrestricted during evaluation. On funded accounts, profits from trades opened or closed within 5 minutes before or after high-impact news are deducted. Entries inside the window are closed automatically; holding through the entire window is allowed.

Yes

Evaluation Stage (1 Step, 2 Step Standard, 2 Step Flex, 2 Step Pro)
No restrictions on holding trades during news events. Purposely trading news = account closure.

Master Account (1 Step, 2 Step Standard, 2 Step Flex, 2 Step Pro)
Trades opened/closed within 5 minutes before/after a high-impact (red folder) news event have their FULL profit deducted, UNLESS the trade was executed 5+ hours before the event.
Speech window: 5 min before speech start to 5 min after speech end.

FundingPips Zero
HARD BREACH if any position is opened/closed/held within 10 minutes before/after a high-impact news event on affected currencies.
Speech window: 10 min before speech start to 10 min after speech end.

Labs 247
Evaluation: news trading is allowed on every instrument.
Master: profits may be deducted from trades opened or closed 5 minutes before or after high-impact news affecting the corresponding currency. For high-impact speeches, the window runs from 10 minutes before the speech begins until 10 minutes after it ends. Trades opened at least 5 hours before the event are exempt.

Inactivity Rule

Open a trade at least every 30 days; failing closes the account. Instant Zero has no inactivity limit.

30 consecutive days without completed trades results in hard breach. Applies to all account types including Master accounts.

Consistency Rule
Limited

Instant Funded: best day at most 20% of cycle profit. No consistency on Access, Zero, 1/2/3-Step or Pro, according to checkout.

Yes
  • On Demand (2-Step Standard): no single trading day may account for more than 35% of total profit
  • Monthly (1 Step Flex, 2-Step Standard, 2-Step Pro, 2-Step Flex): 35% consistency score, reset after each reward
  • Bi-Weekly (FundingPips Zero): 15% consistency score; the biggest losing day cannot exceed the biggest winning day
  • Bi-Weekly (1 Step Flex and 2-Step Flex): no consistency score
  • Profit Concentration Policy: removed for new purchases from 28 September 2026; qualifying legacy accounts retain their existing conditions
  • Labs 247: no consistency rule in Evaluation or Master
Hold Weekend
Yes
Yes

1 Step Flex, 2-Step Standard, 2-Step Pro and 2-Step Flex
Evaluation: overnight and weekend holding allowed on all instruments.
Master: overnight and weekend holding require the Swing add-on selected at purchase. Without Swing, positions are automatically closed each trading day; this is not an account breach and does not count as a valid trading day.

FundingPips Zero
Weekend holding is a hard breach on Master accounts. Close all positions before Friday market close, including crypto.

Prime
Weekend holding allowed.

Labs 247
Trading and weekend holding allowed 24/7 in Evaluation and Master.

Prohibited Strategies

Latency or tick arbitrage, exploiting prices or bugs, order flooding, hedging across accounts or firms, account sharing and passing services. Multiple locations must not hide who trades. Gambling, martingale and manipulating evaluations are prohibited.

  • Gap trading
  • High-frequency trading
  • Server spamming
  • Latency arbitrage
  • Toxic trading flow
  • Hedging
  • Long-short arbitrage
  • Reverse arbitrage
  • Tick scalping
  • Server execution
  • Opposite account trading
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