How you lose the account
Losing an account in these firms usually happens through three channels: breaching loss limits, violating trading style restrictions, or inactivity.
FundingPips:
- Breaching the 30-day inactivity rule.
- Exceeding daily or total loss limits.
- Holding trades during news on the "Zero" model (Hard Breach).
- Trading during high-impact news on Master accounts (results in profit deduction, but "purposely" doing it leads to closure).
- Using unauthorized third-party EAs for automation.
- Executing prohibited strategies like gap trading, high-frequency trading (HFT), or latency arbitrage.
OneFunded:
- Inactivity for 60 days (evaluation) or 30 days (funded).
- Exceeding the 3% max exposure per trade idea (1% on Instant).
- Violating the "News Volatility Period" (5 minutes before/after).
- Using EAs without prior email approval or using them for full automation.
- Engaging in prohibited strategies such as tick scalping or aggressive martingale/grid systems.
Maximum drawdown
The maximum drawdown defines the ultimate "buffer" of the account.
FundingPips: Offers variety depending on the model. The 1 Step Flex and 2 Step models use a 12% static drawdown. This is calculated from the starting balance. However, the FundingPips Zero model uses a 5% trailing drawdown, which is significantly riskier as the floor moves up with your profits. The Prime account has an 8% static drawdown.
- Numerical Example: On a $100,000 2-Step Standard account, your account is closed if your equity drops below $90,000 (10% limit). If you reach $110,000 in balance, your floor remains $90,000.
OneFunded: Uses a static drawdown across its models (Core, Flash, Value, Instant). The specific percentage varies by account size and type, but the floor does not move with profit.
- Numerical Example: On a $100,000 account with a 10% total drawdown, your floor is $90,000. Even if you grow the account to $105,000, the floor stays at $90,000, giving you a $15,000 buffer.
Daily drawdown
This is the most common reason for account failure, as it is monitored more strictly.
FundingPips: The daily limit is based on the higher of the opening balance or equity at the start of the day (00:00 UTC+3). It ranges from 2% (Labs 247) to 5% (Standard).
- Example: If you start the day with a balance of $100,000 but have an open floating profit of $2,000 (Equity $102,000), your 5% daily loss is calculated from the $102,000. Your limit for that day would be $96,900.
OneFunded: Uses Start-of-Day Equity as the basis. This means if you have trades running at the change of the day, their floating value is locked into the daily calculation.
- Example: If your equity is $101,000 at the start of the day and the daily limit is 5%, you lose the account if equity hits $95,950 during that session.
Rules beyond drawdown
Risk is also managed through consistency and position limits.
FundingPips:
- Consistency Rule: Most models require a 35% consistency score (no single day can exceed 35% of total profit) to qualify for payouts.
- Lot Limits: Accounts of $100k+ are limited to 40 simultaneous lots.
- Stop Loss: Not mandatory.
- Copy Trading: Allowed between your own FundingPips accounts only.
OneFunded:
- Max Exposure: Floating loss per trade idea cannot exceed 3% of the equity at the start of that idea. This forces strict risk management on every position.
- Best Day Cap: A 50% consistency rule applies in the funded phase. If one day accounts for more than half your profit, the payout is blocked until the ratio is balanced.
- Margin Utilization: Monitored at 50%.
Risk that comes from the setup
The technical environment can trigger "soft" or "hard" losses through execution or restrictions.
- Platforms: FundingPips offers MatchTrader, cTrader, and MT5. OneFunded offers TradeLocker, cTrader, and MT5. cTrader is generally considered more robust for avoiding slippage during volatility compared to older MT5 setups. FundingPips charges a 20% surcharge for using cTrader.
- News Trading: FundingPips is dangerous for news traders on the "Zero" model (Hard Breach). On other models, profits made during news are simply deducted. OneFunded "monitors" the 5-minute window before/after news and may take corrective actions if they believe you are exploiting price spikes.
- Weekend Holding: FundingPips requires a "Swing" add-on for Master accounts (except Prime/Labs 247). Without it, trades are auto-closed, which can lead to losses if the market gaps at the next open. OneFunded allows weekend holding by default.
What is at stake and what you recover
FundingPips:
- Price: A $100,000 2-Step Standard account costs $522.
- Refund: 100% of the fee is returned with the first payout.
- Payouts: 2-Step Standard allows Weekly or On Demand (90% split). Prime accounts allow Daily payouts.
- Loss Recovery: If you fail an evaluation, you get a 10% discount on your next purchase (valid for 7 days).
OneFunded:
- Refund: Core and Flash refund with the first payout. Value accounts require three payouts to recover the fee. Instant challenges are never refunded.
- Payouts: Every 14 days by default (7 days with a paid add-on).
- Withdrawal Limits: There is a $10,000 maximum withdrawal limit per payout across all methods, which restricts high-earning traders more than FundingPips' scaling plan.
Frequently asked questions
Which firm has a stricter consistency rule, FundingPips or OneFunded?
FundingPips is stricter in its percentage, requiring that no single day exceeds 35% of the total profit for most payout cycles. OneFunded allows a higher concentration, with a 50% "Best Day Profit Ratio" cap, but this rule applies across almost all its funded phases (Core, Value, and Flash).
Can I use automated EAs on both FundingPips and OneFunded?
FundingPips allows EAs only if they are used as trade or risk managers; full automation is only permitted if you prove you own the code. OneFunded is more restrictive, requiring pre-approval via email for any EA, and strictly prohibits EAs that execute trades automatically, allowing only "trading assistants."
Which firm is better for high-impact news trading, FundingPips or OneFunded?
FundingPips is riskier for news because the "Zero" model treats news trading as a hard breach (account closure), and other Master accounts lose the profit from those trades. OneFunded allows trading during news but monitors a 5-minute window before and after; however, they may penalize trades that they deem are exploiting volatility or price spikes.
Who offers faster payouts, FundingPips or OneFunded?
FundingPips offers significantly faster access to capital, with options for weekly payouts on standard accounts and even daily payouts for traders who reach the "Prime" status. OneFunded requires a 14-day waiting period between payouts, which can only be reduced to 7 days if the trader purchases a specific add-on at checkout.
