How much freedom you get at PipFarm and QT Funded

Singapore

Cape Town, South Africa, Western Cape, 7764, ZA

James Glyde

Tanswell Sassman

Singapore

South Africa

2024

2023

Not the classic free refund. It is the paid "Challenge Fee Refund" add-on (+10% of price).

• On passing the challenge, the fee is credited as profit balance on the funded account
• Not a refund to the card
• Available across all modes

Only when purchasing with add-on

Rise

• Payouts under $500: $25
• Payouts of $500 or more: free

USDT / USDC

• $2.50 per payout

Skrill

• Subject to Skrill exchange rates

One Step Light

• Weekly payouts by default

Instant accounts

• Payouts every 7 calendar days

First Payout on Demand (add-on +10%)

• Request the first payout as soon as all eligibility requirements are met
• The selected payout interval applies after the first payout

Frequency (default and with add-on)

• Monthly: every 30 days (standard)
• Bi-weekly: every 14 days (add-on from +15%)
• Weekly: every 7 days (add-on from +30%)
• On Demand: no waiting interval between eligible payouts (add-on +50%)

Personal limit

• Only one payout every 7 days per trader, even across multiple accounts, except where an applicable on-demand benefit overrides the interval

• QT ONE: 4-day cycle
• QT TWO: 14-day cycle
• QT INSTANT: 4-day cycle
• QT Power: 14-day cycle for accounts purchased from August 11, 2026. Accounts purchased on or before August 10 receive the first payout on demand, then move to a 14-day cycle.
• QT 1 Step (BNPL): 14-day standard cycle
• QT Bonus (promotional accounts): 30-day cycle

• Manual review within 2 business days
• Sent within 2 business days after approval
• Total: paid within 7 days of request

One Step Light

• First payout cap: 3% of balance
• The cap increases by 1 percentage point after each payout, up to 6%

Other challenge-funded accounts

• First payout cap: 6% of balance
• The cap increases by 2 percentage points after each payout

Instant accounts

• First payout: 3%
• Second payout: 4%
• Third payout: 5%
• Fourth payout onwards: 6%

Hard cap

• $5,000 per payout (always, even if the percentage allows more)

Minimum by mode (% of balance)

• One Step Light: 1%
• Instant: 1%
• Consistency: 1%
• Endurance: 2%
• Classic: 3%

Minimum by method

• Rise / Skrill / USDT: $50

1% of profit ($100 min) — except QT INSTANT: 5% of profit, and a 3% buffer applies (8% profit must be reached before the first payout request).

Standard

• Up to $5M exposure: 1:30
• $5M to $10M: 1:15
• Over $10M: 1:10

With Extra Leverage add-on

• Up to $5M exposure: 1:50
• $5M to $10M: 1:20
• Over $10M: 1:10

• Up to $250K exposure: 1:20
• $250K to $500K: 1:10
• Over $500K: 1:5

• Up to $100K exposure: 1:20 (1:25 with add-on)
• Over $100K: 1:5

• Up to $500K exposure: 1:20 (1:25 with add-on)
• $500K to $1M: 1:10
• Over $1M: 1:5

• Up to $100K exposure: 1:2 (1:3 with add-on)
• Over $100K: 1:1

Indices, crypto and energies are commission-free at all ranks. Forex and metals start at $6/lot and drop to $0 at Rank 6.

Paid add-on (10% of challenge price).

• Replaces swaps with a fixed daily admin fee
• 3-day grace period before the first charge
• Must be selected at checkout (cannot be added later)

Phase 2 reset available with add-on

Instant accounts from 19 August 2026

• Extra Max Risk: +1%, raising the limit from 1% to 2% (20% of base price)
• Extra Max Loss: +1% to the selected drawdown type (20% of base price)
• Extra Profit Share: +10 percentage points (20% of base price)

Standard challenges: benefits and rules

• Extra Profit Share: +10 percentage points across all ranks (20% of base price)
• Extra Max Loss: +1% to max loss (20% of base price)
• Extra Daily Loss: +1% to daily limit (10% of base price)
• Skip Minimum Trading Days: removes the minimum-day requirement (10% of base price)

Standard challenges: time and money

• Swap-Free: replaces swaps with fixed administration fees (10% of base price)
• Challenge Fee Refund: credits the paid challenge fee as funded-account profit after passing (10% of base price)
• Extended Time Limit: 180 days (+5%) or 360 days (+10%)

Standard challenges: payouts

• First Payout on Demand: removes the wait for the first eligible payout (10% of base price)
• Bi-weekly payouts: 14-day interval (from 15% of base price)
• Weekly payouts: 7-day interval (from 30% of base price)
• On Demand payouts: removes the waiting interval for every eligible payout (50% of base price)

Bundle discount

• Buying three or more qualifying add-ons applies a 20% discount to every qualifying add-on
• Extended Time Limit and payout interval add-ons (Bi-weekly, Weekly and On Demand) are excluded and do not count towards the three
• The bundle discount can be combined with a promotion code applied to the base account

• Variable Spreads
• Usage of EA
• Swap Free
• 10% Profit Split Extra (80% → 90%)
• Refund on First Payout
• 14 Day Payout cycle
• 7 Day Payout cycle

Simple Scaling (all funded accounts since 9 April 2026).

• Level up after 4 payouts or upon reaching the 12% scaling target
• Scaling increment by rank: 10% to 40% of initial balance
• Instant accounts do not scale

Instant accounts from 19 August 2026

• Equity Trailing: 6% at Rank 1, 7% from Rank 2
• EOD Trailing: 5% at Rank 1, 6% from Rank 2
• Payout Trailing: 4% at Rank 1, 5% from Rank 2

One Step Light

• Challenge: 4% End-of-Day trailing Max Loss on $5K to $50K; 3% on $100K and $150K
• Simulated Funded Account: 4% End-of-Day trailing Max Loss on every size
• Based on the End-of-Day high-water mark
• Experience Program rank benefits do not increase it

Standard 1-stage trailing

• 8% Balance Trailing Max Loss
• Rank 2+: 9%

Standard 1-stage static

• 6% Static Max Loss
• Rank 2+: 7%

Standard 2-stage static

• Classic: 9% (10% from Rank 2)
• Endurance: 8% (9% from Rank 2)
• Consistency: 8% (9% from Rank 2)

Add-on

• Extra Max Loss: +1% to the selected max loss type

• QT ONE: 6% static
• QT TWO: 8% static
• QT INSTANT: 6% trailing, locked at starting balance once a withdrawal is made
• QT Power: 8% static
• QT 1 Step (BNPL): 6% trailing

By rank (Experience Program)

• Rank 0: 70%
• Rank 1: 75%
• Rank 2: 80%
• Rank 3: 85%
• Rank 4: 90%
• Rank 5: 95%
• Rank 6: 99%

Extras

• Extra Profit Share add-on: +10% across all ranks
• Loyalty program: up to 109% total

• QT ONE: 70%
• QT TWO: 80%
• QT INSTANT: 100%
• QT Power: 80%
• QT 1 Step (BNPL): 80%
  Upgradeable to 90% with the "10% Profit Split Extra" add-on on eligible plans.

One Step Light

• No Daily Loss limit

Other Standard challenges

• 3%, calculated from the previous End-of-Day reference using the higher of balance or equity
• Rank 4+: 4%
• Extra Daily Loss add-on: +1 percentage point

• QT ONE: 3% trailing (fixed amount, threshold recalculated daily on the higher of previous close balance or equity)
• QT TWO: 4% fixed (balance-based)
• QT INSTANT: 3% fixed
• QT Power: 4% fixed
• QT 1 Step (BNPL): 3% daily trailing

Funded accounts (from challenges)

• Up to 5 accounts
• Max $300,000 combined

Instant accounts

• Up to 3 accounts
• Max $300,000 combined

Challenges

• No limit

Capital earned through scaling is exempt from these limits.

• Max total funded allocation: $300,000
• Max Instant funded allocation: $100,000
• No duplicate asset trading when at limit

Allowed to merge two funded accounts, provided all of these conditions are met.

• Same mode (Classic with Classic, Endurance with Endurance, Consistency with Consistency)
• Same currency
• Identical add-ons
• No open positions
• Instant accounts cannot be merged

Accounts from 9 April 2026 (per stage)

• 90 days (standard)
• 180 days (add-on +5%)
• 360 days (add-on +10%)

Earlier accounts

• 365 days per stage

Unlimited

One Step Light

• No minimum trading days during the challenge; it can be passed in one trading day

Classic

• 3 trading days per stage (a day = at least one close)
• Removable with the Skip Minimum Trading Days add-on

Endurance / Consistency

• No minimum days: each uses its own sustainability standard

• QT ONE: no minimum on the evaluation (can pass in a single day); 4 days when funded
• QT TWO: 4 days per phase
• QT INSTANT: 4 days when funded
• QT Power: 4 days in each evaluation phase and 4 days per funded payout cycle
• QT 1 Step (BNPL): no minimum on the evaluation; 5 days when funded

Experience Program: earn XP through milestones and climb ranks (0 to 6).

• Pass challenges, receive payouts, scale accounts, complete quests
• Rank raises profit split, lowers commissions, grants more drawdown and leverage
• Consistency Mode earns double XP on most milestones

One Step Light

• No Profitable Days requirement during the challenge
• 4 Profitable Days are required for each payout
• Each Profitable Day requires the End-of-Day balance to increase by at least 0.25% of the initial balance compared with the previous End-of-Day reference

Endurance

• One-stage: 4 Profitable Days
• Two-stage: 3 Profitable Days per stage
• The applicable requirement must also be completed for each payout
• Each Profitable Day requires the End-of-Day balance to increase by at least 0.5% of the initial balance compared with the previous End-of-Day reference

Instant accounts from 19 August 2026

• 5 Winning Days before a payout
• Winning Day = close with ≥0.5% from the start-of-day balance and above the initial account balance

Earlier Instant accounts

• 5 Winning Days before a payout
• Winning Day = close with ≥0.25% and above the initial account balance

• QT TWO: 4 days of +0.5% profit per cycle
• QT INSTANT: 4 days of +1% profit per cycle
• QT ONE: not required

Allowed on all accounts, with your own strategy.

• cTrader Automate (cBots), plugins, Open API
• Trade copiers between your own accounts (TradersConnect, Duplikium, Heron, Tradesyncer)
• Forbidden: bots purchased from marketplaces (MQL5, cBot market)
• Forbidden: HFT and latency scalping

Before using EAs, they must go through a pre-approval process.

Allowed

• Same instrument within one account
• Correlated instruments within one account

Forbidden (toxic trading)

• Same instrument across two or more accounts
• Correlated instruments across accounts
• Hedging with another PipFarm user

A Stop Loss must be placed within 60 seconds of opening a trade. Applies to QT TWO and QT INSTANT (funded accounts). QT ONE has no stop loss rule.

Cannot have three or more open positions on the same asset at the same time (only funded account

One Step Light

• Challenge Max Risk: 2%
• Simulated Funded Max Risk: 2%
• Absolute at both stages: reaching the limit closes open positions and breaches the account immediately
• No strikes, escalation or Pip Protector

Standard Simulated Funded Accounts

• Max Risk: 2%
• Pip Protector closes open positions and records a Strike when the limit is reached
• Strike 1 halves the limit; Strike 2 halves it again and permanently reduces the profit share by 50%; Strike 3 breaches the account
• Pip Protector does not apply during the challenge stages

Instant accounts from 19 August 2026

• Max Risk: 1% of starting balance
• Extra Max Risk add-on: raises it to 2%

Earlier Instant accounts

• Keep the Max Risk limit assigned when purchased

• QT ONE (Funded): 1% max floating loss across all open positions
• QT TWO (Funded): 1% max floating loss (first violation is a soft breach, second is a hard breach)
• QT TWO (Evaluation): exposure must stay under 75% of the daily drawdown limit
• QT INSTANT (Funded): 1% max exposure per instrument
• QT Power (Evaluation): exposure must stay under 75% of the daily drawdown limit
• QT Power (Funded): no exposure limit
• QT 1 Step (BNPL, Funded): 2% floating loss

• Between your own accounts: allowed (even to/from external brokers or prop firms)
• Copying another trader: forbidden
• Following signals or external services: forbidden

Allowed without restrictions when allocation is lower than $300,000.
Not allowed when the allocation is $300,000 or above.

• No new entries or exits within the 10-minute window around a restricted news event (5 minutes before and 5 minutes after).
• Order modifications ARE permitted during that window: adjusting stop loss, modifying take profit and cancelling orders.
• Positions or limit orders placed more than 5 minutes before the release (with SL and TP set) may remain open or be triggered during the event.
• Restricted releases: CPI, FOMC statement and meetings, Non-Farm Payrolls and USD PMI. Red folder events restrict every pair involving that currency and any index priced in it.
• News source: Forex Factory.
• The News Rule does NOT apply to QT ONE, QT INSTANT, QT Power or QT 1 Step (BNPL) accounts.

• You must close at least one trade every 28 days
• Trade size and duration are irrelevant
• Email warning 3 days before the deadline

• QT TWO: no inactivity rule
• QT INSTANT, QT Power, QT 1 Step (BNPL): 14 days
• QT ONE: the comparison table states 7 days while the plan article states 14 days; confirm with support before relying on it.
  The period runs from the purchase date if no trade has been placed, or from the most recent closed trade.

One Step Light

• Challenge: no Consistency Score requirement
• Simulated Funded Account: Consistency Score ≤40% to qualify for each payout

Consistency Mode: new checkout

• Consistency Score ≤40% across all formats
• Required to pass the challenge and qualify for payouts

Instant accounts from 19 August 2026

• Equity Trailing: ≤30%
• EOD Trailing: ≤25%
• Payout Trailing: ≤20%

Earlier Instant accounts

• Consistency Score ≤25%

Classic / Endurance Simulated Funded Accounts

• Consistency Score ≤50% to qualify for payouts
• Does not apply during challenge stages

• QT INSTANT: 30%
• QT Power: 35% in both evaluation and funded
• QT 1 Step (BNPL): 20%
• QT ONE, QT TWO: no consistency rule

• High-frequency trading (HFT)
• Latency tick scalping
• Copying another trader or following signals
• Group trading / coordinated orders
• Account passing services (third parties trading for you)
• Cross-account hedging (same or correlated instruments)
• Account churning (buying many challenges to force a random pass)
• Artificial trades to manipulate rules without genuine intent

• All-or-Nothing
• Latency Trading
• Arbitrage Trading
• High-Frequency Trading
• Tick scalping
• Reverse Trading or Group Hedging
• Order book spamming
• Flooding the server with messages due to incorrect use of algorithm
• One side betting
• Trading behaviours that the Risk Department deem Toxic