Both 12% static · dearer at 5 of 5 sizes
Funding Pips 1 Step Flex vs 2 Step Flex
The rule most buyers check first says these are the same product. Both carry a 12% overall drawdown, both static rather than trailing, both with no time limit and no minimum trading days.
Every rule after that differs, and they point the same way: the one-step costs more, allows a tighter daily loss, pays a smaller share, and adds a funded-account rule the two-step does not have. What the extra money buys is one phase instead of two.
| Rule | 1 Step Flex | 2 Step Flex |
|---|---|---|
| Profit target | 12% in one phase | 10%, then 6% |
| Daily loss limit | 3% | 4% |
| Overall drawdown | 12%, static | 12%, static |
| Losing trades before the attempt ends | 3 | 4 |
| Profit split | 85% | up to 95% |
Losing trades are counted at 1% risk per trade against whichever cap binds first, so it is a property of the rules rather than a forecast about anyone's trading.
The shorter one is the dearer one
| Account | 1 Step Flex | 2 Step Flex | Premium |
|---|---|---|---|
| $5K | $59 | $32 | +84% |
| $10K | $99 | $59 | +68% |
| $25K | $210 | $159 | +32% |
| $50K | $322 | $269 | +20% |
| $100K | $566 | $555 | +2% |
The premium is largest on the smallest account and narrows as the ladder climbs, which is the reverse of how an extra-service charge usually behaves. At $100K the two are nearly the same price and the one-step's other rules still differ.
A rule that exists on one side only
On the funded account, a floating loss of 1% on one trade idea draws a warning; four warnings close the account.
Nothing equivalent appears in the 2 Step Flex rules. It applies after passing, so it is not part of the evaluation arithmetic above — it is part of what you are buying.
The 95% is a choice, not a rate
The split is chosen at purchase and locked: 85% with no minimum days, or 95% requiring three profitable days of at least 0.5% per phase.
So the headline comparison — 85% against 95% — is only true of the two-step buyer who took the conditional rate and then met its condition. The other option pays the same 85% the one-step pays, for less money.
Why the targets are not added together
A two-phase evaluation asking 10% and 6% is often described as asking their sum. It does not. Each phase measures from its own starting balance, so the second target is 6% of a balance that has already grown, and the phases are attempted with the drawdown reset between them.
Adding them would make the two-step look harder than it is and would flatter this page's conclusion, which is why the table sets the phases out separately. The comparison that does hold is the one the caps make: at 1% risk per trade, 3 losing trades end the one-step and 4 end a phase of the two-step.
Where these rules were read
FundingPips Help Centre — account models — read 2026-08-05
Questions
- Is Funding Pips 1 Step Flex easier than 2 Step Flex?
- It is shorter, not looser. The one-step asks 12% once; the two-step asks 10% then 6%. But the one-step's daily loss limit is 3% against 4%, which at 1% risk per trade ends the attempt after 3 losing trades rather than 4.
- Which Funding Pips Flex is cheaper?
- The two-step, at 5 of the 5 sizes both sell. $5K: $59 against $32, $10K: $99 against $59, $25K: $210 against $159, $50K: $322 against $269, $100K: $566 against $555. The premium for skipping a phase runs from 2% to 84%.
- What profit split does each pay?
- 1 Step Flex pays 85%. 2 Step Flex reaches 95%, but the choice is made at purchase and locked, and the higher rate carries a condition the lower one does not.
- Do the two phase targets add up to 16%?
- No, and adding them would overstate the two-step. Each phase measures its target from its own starting balance, so the second 6% is 6% of a balance that already grew. The honest comparison is phase by phase, which is how this page sets them out.