How you lose the account
The path to losing an account is different in both firms, although they share the fundamental risk: exceeding loss limits. In Earn2Trade, the account is terminated if you hit the daily loss limit, the maximum drawdown, or if you violate the rule of not holding positions overnight or during weekends.
In WhitePips Futures, the risk of loss is more sensitive to technical behavior and specific timing. You lose the account if you hit the maximum drawdown or if you use a VPN/Proxy to hide your location. However, hitting the daily limit in WhitePips is a "soft breach," meaning they only block trading for the day without closing the account. On the other hand, WhitePips is much stricter with news: in funded accounts, trading 2 minutes before or after a red news event three times will lead to account review and potential loss.
Maximum drawdown
This is the most critical rule because it defines the "real" space you have to trade.
- Earn2Trade: Uses an End-of-Day (EOD) drawdown for the evaluation and LiveSim phases. This is less risky because it only updates based on your balance at the end of the trading day. Only in the Live phase does it become a Trailing Drawdown.
- WhitePips Futures: In the One Step plan, it uses EOD Trailing, which rises with the closing balance. In the Instant plan, it uses Intraday Trailing on peak equity, which is the highest risk possible as it counts open profits that you haven't even realized yet.
Numerical Example:
- Earn2Trade ($50,000 account): You have a $2,000 maximum drawdown. If during the day your account goes up to $52,000 but you close the day at $50,500, your drawdown threshold for the next day is calculated based on $50,500.
- WhitePips Futures ($50,000 Instant account): You have a $2,500 maximum drawdown. If during a trade your equity reaches $52,000 but the market turns and you close at $50,500, the trailing drawdown threshold has already moved up based on the $52,000 peak, leaving you with much less room than in Earn2Trade.
Daily drawdown
The daily limit is your first line of defense, but it also acts as a trap if it is too tight.
- Earn2Trade: All accounts have a daily drawdown. For example, the $50,000 account has an $1,100 limit. If you lose $1,101, the account is failed immediately.
- WhitePips Futures: Most accounts have a daily limit (except the One Step 25K). For example, the $50,000 account has a $1,250 limit. However, it is a "soft limit": the system closes your positions and prevents you from trading until the next session, but you keep your account.
Rules beyond drawdown
Beyond the losses, there are "invisible" rules that prevent you from withdrawing money.
- Consistency Rule: Earn2Trade requires that no single day accounts for 30% or more of your total profit during evaluation. WhitePips is more restrictive: 40% in One Step and a very difficult 20% in Instant accounts.
- Holding and News: Earn2Trade prohibits overnight and weekend holding but allows news trading. WhitePips prohibits overnight holding (automatic closure at 3:55 PM Chicago time) and severely restricts news trading in funded phases.
- Scalping: WhitePips has a "30-second rule": trades shorter than 30 seconds cannot represent more than 50% of your total profit. Earn2Trade allows scalping without this specific percentage restriction.
Risk that comes from the setup
The technology you use can cause you to lose the account through slippage or execution errors.
- Platforms: Earn2Trade offers a massive list of platforms (NinjaTrader, TradingView, RTrader Pro, ATAS, etc.). This allows the trader to use the tool they know best, reducing execution risk. WhitePips Futures is restricted to Volumetrica, which forces a learning curve that can be risky for a new user.
- Automation: Earn2Trade allows the use of EAs (Expert Advisors). WhitePips Futures strictly prohibits any automated trading or EAs on futures, which is a risk for those who depend on algorithmic execution for their risk management.
What is at stake and what you recover
The price is the first thing you lose, but the payout conditions determine if you will ever recover it.
- Earn2Trade: Uses a monthly subscription model. A $50,000 account costs $170/month until you pass. Once funded, there is a $139 activation fee. To withdraw, you need 5 profitable days (e.g., $150 minimum profit for a 50K account).
- WhitePips Futures: Uses a one-off fee model. A $50,000 One Step costs $179 (no activation fee). However, to withdraw from a funded One Step, you must leave a "buffer" (equal to the max loss) in the account that you can never withdraw. This means your first $2,000 of profit in a 50K account is "trapped" to cover the drawdown.
Frequently asked questions
Which firm is cheaper to start an evaluation, Earn2Trade or WhitePips Futures?
WhitePips Futures is cheaper for the entry-level account, as their $25,000 One Step costs a one-time fee of $129, whereas the Earn2Trade $25,000 Trader Career Path costs $150 per month. However, if you take several months to pass, WhitePips remains a single payment, while Earn2Trade would require multiple monthly payments.
Which firm has a more restrictive consistency rule, Earn2Trade or WhitePips Futures?
WhitePips Futures is generally more restrictive, especially in its Instant accounts where no single day can exceed 20% of the total profit. In its One Step accounts, the limit is 40%. Earn2Trade applies a 30% rule during the evaluation phase, which is stricter than WhitePips' One Step but more flexible than their Instant plan.
Can I trade the news in Earn2Trade and WhitePips Futures?
In Earn2Trade, news trading is fully allowed without restrictions. In WhitePips Futures, it is only free during the One Step evaluation; once you are in a funded or Instant account, you are prohibited from opening or closing trades 2 minutes before and after red USD news. Violating this three times leads to an account review.
What is the profit split in Earn2Trade compared to WhitePips Futures?
WhitePips Futures offers a higher profit split of 90% for the trader on all plans. Earn2Trade offers an 80/20 split (80% for the trader) for accounts up to $200,000, provided the profit is above the set threshold; otherwise, the split is 50/50. For their $400,000 scaling account, the split is fixed at 60/40.
