Prop firms whose payouts run weekly, daily or on demand after the first withdrawal, with each program's first-payout rule, ongoing frequency, split at that frequency and methods, plus the buffers, caps and consistency checks that apply.
The5ers and FundingPips both sell two-phase forex and CFD evaluations with no time limit, but they reward different habits. The5ers, operating since 2016, is built around a long scaling path to a 100% split and pays every 14 days. FundingPips is cheaper on paper and lets funded traders choose weekly, bi-weekly or on-demand rewards. This comparison sets The5ers' High Stakes against FundingPips' 2 Step Standard, using the rules we checked on official pages in November 2026.
The5ers vs FundingPips at a glance
| The5ers | FundingPips | |
|---|---|---|
| Market | Forex/CFD | Forex/CFD |
| FundedTime score | 8.4/10 | 7.4/10 |
| Data status | Verified (per-size prices not verified) | Mostly verified (official site readable November 2026; Zero pricing not verified) |
| Listed price | Per-size High Stakes prices not published in a readable table; an official article says "from $39" | 2 Step Standard $39 ($5k) to $652 ($100k); 2 Step Pro $29 to $919 ($200k) |
| Pricing model | One-time fee | One-time fee |
| Fee refundable | Partly: 70% of High Stakes fee with first funded payout | 2 Step Standard only, refunded at the fourth reward |
| Max account size | $100,000 starting (High Stakes), scaling to $500,000 | $200,000 (2 Step Pro, Zero); $100,000 on 2 Step Standard |
| Max profit split | 80% rising to 100% with scaling | 100% on On Demand cycle; 80% bi-weekly, 60% weekly (2 Step Standard) |
| Profit target | 10% / 5% (High Stakes New); 8% / 5% (Classic) | 8% / 5% (2 Step Standard); 6% / 6% (2 Step Pro); 12% (1 Step Flex) |
| Daily loss limit | 5% (High Stakes); measurement and reset time not stated on product page | 5% (2 Step Standard), measured from the higher of opening balance or equity; 3% (Pro) |
| Max drawdown | 10% (High Stakes) | 10% static (2 Step Standard); 6% (Pro); 12% (Flex) |
| Drawdown type | Not labelled static or trailing on official page | Static (Zero: 5% trailing) |
| Minimum trading days | 3 profitable days per step (0.5% of initial balance each) | 3 per phase (2 Step Standard); none on 2 Step Pro and 1 Step Flex |
| Consistency rule | None in High Stakes evaluation; early payouts capped | None in evaluation; On Demand 100% needs a 35% consistency score and 7 profitable days |
| News trading | No orders from 2 minutes before to 2 minutes after high-impact news | Allowed in evaluation; funded profits within 5 minutes of restricted news may be deducted |
| EAs / bots | Allowed if you own the source code | Trade/risk-manager EAs only; own fully automated EAs if you can prove ownership |
| First payout | After 14 days of funded activity and $150+ profit | 7 days after first Master trade (weekly cycle, 2 Step Standard) |
| Payout frequency | Every 14 days | Weekly, bi-weekly or on demand (choice of cycle) |
| Payout methods | Rise, bank transfer, crypto (max $1,500 per crypto transaction) | Card, crypto (USDT/USDC), Rise, bank transfer |
| Platforms | MT5, cTrader (+$10), TradingView | MT5, cTrader, Match-Trader |
| US traders | Yes, TradingView only | Not on published restricted list; no US-specific terms found |
| Trustpilot | 4.7 (40,892 reviews) | 4.5 (71,489 reviews) |
FundedTime scores
The5ers scores 8.4/10 and ranks second of the 11 forex and CFD firms we track. FundingPips scores 7.4/10 and ranks fourth. Scores follow our published methodology and are not a guarantee of results.
Pricing and fees
FundingPips publishes a clear USD table: its 2 Step Standard costs $39 for $5,000, $72 for $10,000, $195 for $25,000, $349 for $50,000 and $652 for $100,000. The5ers does not. Its High Stakes page renders prices dynamically and showed only a $19 Step 1 cost for the "New" plan without a size mapping; a separate official article says High Stakes starts "at just $39". We could not verify per-size prices, so check The5ers' checkout. cTrader costs $10 extra at The5ers.
The5ers refunds 70% of the High Stakes fee with the first funded payout (only for fees paid with external funds, not Hub Credit). FundingPips refunds the 2 Step Standard fee only at the fourth reward. Instead of resets, The5ers awards non-withdrawable Hub Credit: 10% of the fee for passing Step 1 and 20% for Step 2. FundingPips offers discounted resets for 7 days after a breach.
Rules and drawdown
The5ers High Stakes comes in a "New" version (10% then 5%) and a "Classic" version (8% then 5%), with a 5% daily limit and a 10% maximum loss. The official page does not label the maximum loss as static or trailing, and does not explain how the daily limit is measured or when it resets; The5ers' FAQ for another 2-step plan uses the higher of previous-day closing balance or equity, so assume equity counts. FundingPips 2 Step Standard asks for 8% then 5%, with a 5% daily limit measured from the higher of opening balance or equity, and a 10% static maximum loss.
Minimum days work differently. The5ers requires 3 profitable days per step, each with closed profit of at least 0.5% of the initial balance. FundingPips requires 3 trading days per phase, profitable or not. On news, The5ers prohibits executing orders from 2 minutes before to 2 minutes after high-impact news in all stages, deducting profit from orders in that window. FundingPips has no news restriction in evaluation but may deduct funded profits from trades within 5 minutes of restricted news.
Holding is a further split. The5ers allows overnight and weekend holding on High Stakes. FundingPips' funded Master accounts close trades automatically each day unless you buy the Swing add-on. On EAs, The5ers allows EAs if you own the source code; FundingPips allows third-party EAs only as trade or risk managers.
Worked example: passing and the first payout on $100,000
Both accounts have a $90,000 floor (10%) and $5,000 of daily room on a day that starts at $100,000. Suppose this Phase 1 run: day 1 +$1,200, day 2 +$300, day 3 -$2,000, day 4 +$4,500, day 5 +$4,300. The closed balance is $108,300.
- FundingPips 2 Step Standard: the 8% target ($108,000) is met on day 5, well past the 3-day minimum. Phase 1 is passed.
- The5ers High Stakes Classic (8%): the target is also met, and days 1, 4 and 5 each made at least $500, so there are 3 profitable days. Day 2 (+$300) does not count. Passed.
- The5ers High Stakes New (10%): $8,300 is short of the $10,000 target, so trading continues.
Now the first funded payout, with $6,000 of profit. At The5ers it needs 14 days of activity and at least $500 of P&L on a $100,000 account, and the first payout is capped at $4,000; the 70% fee refund is added. At FundingPips, the bi-weekly 80% cycle pays $4,800 after 14 days, the weekly 60% cycle $3,600 after 7 days, or on demand $6,000 if no day made more than $2,100. Use the drawdown calculator to test your own run.
Payouts
The5ers pays only once you are funded. The first payout requires 14 days of activity and $150 of profit, then payouts are every two weeks, with a $150 minimum after the split. The split starts at 80% and rises to 85%, 90% and eventually 100% as the account scales by 10% steps, up to $500,000. Early payouts are capped at $3,000 on $50,000 and $4,000 on $100,000. Methods are Rise, bank transfer and crypto, with crypto capped at $1,500 per transaction.
FundingPips' cycles on 2 Step Standard are weekly (60%), bi-weekly (80%) or on demand (100%, with a 35% consistency score and 7 profitable days). Methods are card, crypto, Rise and bank transfer, with a $500 minimum on Rise and bank. See our The5ers payout guide and FundingPips payout guide.
Platforms and US access
The5ers offers MT5, cTrader and TradingView to non-US traders, and TradingView only to US traders. High Stakes leverage is up to 1:100. FundingPips offers MT5, cTrader and Match-Trader at 1:100 on forex. The US is not on FundingPips' restricted list, but we did not find US-specific terms.
Who each firm suits
The5ers
Patient traders who hold positions overnight, avoid trading the news minutes and want a long scaling path toward a 100% split, and who accept capped early payouts and unclear per-size pricing.
FundingPips
Price-sensitive intraday traders who want published USD prices, the option of weekly rewards and a 100% on-demand split, and who do not need to hold trades overnight once funded.
Which should you choose if…
- You trade around news releases: FundingPips in evaluation; The5ers blocks orders in the 2-minute window at every stage.
- You hold swing trades: The5ers, which allows overnight and weekend holding on High Stakes.
- You want to scale one account for years: The5ers, with its path to $500,000 and 100%.
- You want to know the price before you click: FundingPips publishes a full table.
- You make many small winning days: FundingPips' trading-day rule is easier to meet than The5ers' 0.5% profitable-day rule.
Bottom line
The5ers ranks second in our data and FundingPips fourth. The5ers rewards consistency and patience, with a longer record and a real scaling plan. FundingPips is cheaper and more flexible on payouts, at the cost of more conditional rules on funded accounts.
Read the full The5ers review and FundingPips review, see FundedNext vs The5ers, or use the comparison tool.
Sources (checked November 2026): The5ers: the5ers.com/high-stakes, the5ers.com/2-step-challenge, the5ers.com High Stakes payout policy FAQ, trustpilot.com/review/the5ers.com; FundingPips: fundingpips.com, intercom.help/fundingpips managing your rewards, intercom.help/fundingpips rewards with Rise, trustpilot.com/review/fundingpips.com.
FAQ
Is The5ers or FundingPips cheaper?
FundingPips publishes lower prices, $652 for a $100,000 2 Step Standard. The5ers does not publish a readable per-size High Stakes table; one official article says it starts at $39.
Which pays out faster?
FundingPips' weekly cycle allows a first reward 7 days after your first Master trade. The5ers' first High Stakes payout needs 14 days of funded activity and $150 profit.
Does The5ers or FundingPips refund the fee?
The5ers adds 70% of the High Stakes fee to the first payout. FundingPips refunds the 2 Step Standard fee at the fourth reward.
Which allows news trading?
FundingPips allows it in evaluation; The5ers blocks orders 2 minutes either side of high-impact news at every stage.
Educational content only, not financial advice. Trading involves substantial risk of loss. Prop firm rules change often; check the firm's official terms. Some links may be affiliate links; see our disclosure.
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