How you lose the account
Losing an account with FunderPro or RebelsFunding depends on strictly following their operational boundaries. At FunderPro, the most common paths to failure are breaching the daily or maximum drawdown limits, or falling into inactivity; if you do not place a trade for 30 consecutive days, the account is automatically closed. Additionally, using EAs that you do not own or exploiting technical latencies will result in disqualification.
RebelsFunding has a much stricter "operational" filter. You will lose the account not just for drawdown breaches, but for using a VPN, attempting to use EAs (which are strictly forbidden), or copy trading. They also penalize "aggressive scalping" (trades lasting less than 30 seconds) and exceeding a specific risk limit per trade once you reach the funded stage (RCF).
Maximum drawdown
The maximum drawdown is the ultimate floor of your account.
- FunderPro: Offers a 10% fixed drawdown on Challenge accounts. This means the floor is set at 90% of the initial balance and never moves. However, in their Instant Account, they use a 6% trailing drawdown based on EOD (End of Day) Equity or Balance. This trails upward with your profits until it reaches the initial balance, where it becomes static.
- RebelsFunding: Uses a static drawdown model for all programs. It is 10% for Copper, Bronze, and Silver programs, and 6% for Gold and Diamond. Being static, it is always calculated based on the starting capital, providing more breathing room as the account grows.
Numerical Example FunderPro: In a $100,000 Instant Account, your 6% drawdown starts at $94,000. If your balance grows to $102,000 at the end of the day, your new floor trails up to $96,000.
Numerical Example RebelsFunding: In a $100,000 Bronze account, your 10% drawdown is $10,000. Your floor is $90,000. If the account grows to $110,000, your floor remains $90,000, effectively giving you a 20% cushion.
Daily drawdown
This is the limit that usually catches traders off guard during volatile sessions.
- FunderPro: Challenge accounts have a 5% limit calculated on the starting balance of the day (5 PM EST snapshot). The equity cannot drop below this daily floor. For Instant accounts, it is 3% based on the higher of EOD Equity or Balance.
- RebelsFunding: Most programs (Copper, Bronze, Silver) have a 5% daily limit based on the starting equity at 09:00 PM UTC. A critical difference is that the Diamond program has no daily drawdown limit, only the overall maximum.
Rules beyond drawdown
Risk is not just a percentage; it is also how you are forced to trade.
- Consistency Rules: FunderPro applies a consistency rule to its One-Phase (40% max profit in one day), Pro (45%), and Instant (15%) accounts. RebelsFunding does not explicitly mention a consistency percentage, but it does require a minimum number of trades (e.g., 5 to 8 depending on the program).
- Risk per Trade: RebelsFunding prohibits opening trades where the risk (stop-loss distance) exceeds 1.5% of the account balance on funded accounts. FunderPro does not enforce a hard lot size or risk percentage cap on Challenges, though Instant accounts have a 2% risk limit per idea.
- Trade Duration: RebelsFunding bans trades under 30 seconds. FunderPro allows scalping without a minimum time limit.
- Stop Loss: Neither firm strictly mandates a stop loss, but RebelsFunding uses the SL distance to calculate the 1.5% risk rule breach.
Risk that comes from the setup
The environment where you trade can trigger "hidden" risks.
- Platforms: FunderPro offers MetaTrader 5, cTrader, and TradeLocker. These are standard tools that allow for external risk management. RebelsFunding uses a proprietary platform (RF-Trader) based on TradingView. While visual, proprietary platforms can represent a risk if execution or slippage differs from industry standards.
- Trading Styles: FunderPro restricts news trading and weekend holding in funded accounts unless you purchase a "Swing Add-On." This is a significant risk factor if a market gap occurs. RebelsFunding allows news trading and weekend holding by default, reducing the risk of forced closures on Fridays.
- Technology: RebelsFunding's ban on VPNs is a high risk for traders with dynamic IPs or those who travel, as it can lead to instant account termination.
What is at stake and what you recover
- Price as Risk: The cost of the challenge is the first loss. FunderPro is generally more expensive (e.g., $100k Classic for $539) compared to RebelsFunding's Bronze $80k for $344 (or $160k for $669).
- Refunds: FunderPro refunds the fee with the first payout (except for Pro challenges). RebelsFunding offers aggressive refunds: up to 200% for the Copper program and 150% for Bronze, meaning you recover more than what you risked initially.
- Payouts: Both firms offer bi-weekly payouts. FunderPro has a $100 minimum withdrawal, while RebelsFunding allows withdrawals from $50.
Frequently asked questions
Which firm allows the use of Expert Advisors (EAs), FunderPro or RebelsFunding?
FunderPro allows the use of EAs and trading bots, provided the trader owns the source code or the EA itself and it doesn't exploit latency. In contrast, RebelsFunding strictly prohibits the use of any EAs or automated trading systems, making it a firm exclusively for manual traders.
Is the drawdown more restrictive at FunderPro or RebelsFunding?
RebelsFunding is generally less restrictive regarding drawdown because it uses a static model (the floor never moves up), whereas FunderPro uses a trailing drawdown for its Instant accounts. Additionally, RebelsFunding's Diamond program has no daily drawdown limit, while FunderPro enforces a 3% to 5% daily limit across all its account types.
Who offers a better refund of the initial fee, FunderPro or RebelsFunding?
RebelsFunding offers a higher potential recovery, providing up to a 200% refund of the fee for its Copper program and 150% for Bronze upon the first payout. FunderPro offers a standard 100% refund on its Classic and One-Phase challenges, while its Pro challenges are not eligible for any refund.
Which firm is safer for trading news and holding over the weekend, FunderPro or RebelsFunding?
RebelsFunding is safer for these styles because it allows news trading and weekend holding by default across its programs. FunderPro, however, restricts news trading and weekend holding in funded accounts unless the trader pays for a specific "Swing Add-On," creating a higher risk of violation for uninformed traders.
