Does the 2 Step Flex have minimum trading days?

On the 85% split, no. On the 95% split, yes in substance: 3 profitable days of at least 0.5% in each phase, 6 across the evaluation. Funding Pips records the programme as having no minimum, which is true of the branch most buyers do not pick.

What are the 2 Step Flex profit targets and drawdowns?

10% in Phase 1 and 6% in Phase 2, 16% in total. The daily loss limit is 4% and the overall limit is 12%, static. There is no time limit.

Can you pass the 2 Step Flex quickly?

On the 85% split, yes — nothing requires you to spread it out. On the 95% split the fast pass is the problem: nothing in the 10% target stops you reaching it in a session or two, but the split condition needs 3 days of at least 0.5% each. Those 3 days are worth 1.5% between them, so the requirement costs pace rather than profit — and meeting the target early does not end the phase in your favour if the days are not there.

Is the challenge fee refunded?

Not on the 2 Step Flex. Funding Pips refunds the registration fee at the fourth reward on the 2 Step Standard; the Flex is recorded here as not eligible, which is a real cost difference between two programmes priced within a few dollars of each other.

Funding Pips · 2 Step Flex

The 95% split and the missing minimum days are the same choice

The 2 Step Flex is sold on two things at once: a profit split of up to 95%, and no minimum trading days. One line in Funding Pips’ own account-model comparison says you pick one of them.

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.

Chosen at purchase and locked. Before the first trade, with no information about how the account will go, you decide whether the split is 85% or 95% — and the 95% branch attaches the minimum the programme is advertised as not having.

Every published rule

Phase 1 profit target	10%
Phase 2 profit target	6%
Daily loss limit	4%	breaches the account
Overall loss limit	12%	static
Minimum trading days	none	on the 85% split only
Time limit	none
Profit split	85% or 95%	chosen at purchase, locked
Fee refunded on passing	no

5 account sizes, $5,000 to $100,000, priced $32 to $555 as read on the date below.

The 95% branch costs time, not profit

A qualifying day is worth at least 0.5%. Three of them, at that size, come to 1.5% — 15% of Phase 1’s 10% target. The condition barely asks you to earn anything. It asks you to spend three separate days doing it.

That is the exact behaviour “no minimum trading days” exists to allow. Nothing in the target stops you taking 10% in one session; on the 85% branch you would then move on. On the 95% branch that same session leaves you holding a met target and an unmet condition, with the account still open and the 12% cap still counting while you wait for days that are worth 1.5% between them.

Across both phases the 95% branch asks for 6 qualifying days. Days that end green but under 0.5% are not among them, and a day of 10% counts once.

What the 10 points are worth

The gap between the two branches is 10 points of every withdrawal, for as long as the account lives. On $10,000 of profit taken out that is $1,000. It is a real amount, and it is the reason the 95% branch is the one that gets picked.

It is also worth nothing at all if the evaluation is not passed, and the branch that pays it is the branch with the extra condition. The 85% choice is the one that keeps the programme’s advertised flexibility; the 95% choice buys a higher rate on money you have not yet made with a constraint on making it.

Neither is a trap. Both are printed, in the same sentence, in the firm’s own comparison table. What is easy to miss is that the sentence is a fork rather than a feature list, and that it closes at checkout.

The rest of what Funding Pips publish for this account

· 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.
· A breached account can be reset at a discount within seven days: 15% off the evaluation, 7% off the funded account ($100K accounts excluded).
· Bi-weekly reward cycle.
· Not eligible for the fourth-reward registration-fee refund.
· Accounts with no completed trade for 30 consecutive days are breached.

What this does not measure

· Whether the 3-day rule usually binds. A trader who reaches 10% over a fortnight will pass it without noticing. The conflict is real for a fast pass and invisible for a slow one, and nothing here says which you will have.
· What happens if the condition is missed. The rule states what the 95% split requires, not what the account becomes when the days are absent. That is not published in what was read.
· Any failure probability. A figure of that kind appears on the pages that model it, with its assumptions attached. At 1% risk per trade this programme ends the attempt after 4 consecutive losses; what that implies is argued on the comparison page, not asserted here.
· Prices after the date below. Fees move with promotions, and the ones above are what was displayed when the page was read.

Where these rules were read

FundingPips Help Centre — account models — read 2026-08-05

Questions

What is the profit split on Funding Pips 2 Step Flex?: Either 85% or 95%, and you choose which at purchase. 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. The choice is locked, so it is made before you have traded a day on the account.
Does the 2 Step Flex have minimum trading days?: On the 85% split, no. On the 95% split, yes in substance: 3 profitable days of at least 0.5% in each phase, 6 across the evaluation. Funding Pips records the programme as having no minimum, which is true of the branch most buyers do not pick.
What are the 2 Step Flex profit targets and drawdowns?: 10% in Phase 1 and 6% in Phase 2, 16% in total. The daily loss limit is 4% and the overall limit is 12%, static. There is no time limit.
Can you pass the 2 Step Flex quickly?: On the 85% split, yes — nothing requires you to spread it out. On the 95% split the fast pass is the problem: nothing in the 10% target stops you reaching it in a session or two, but the split condition needs 3 days of at least 0.5% each. Those 3 days are worth 1.5% between them, so the requirement costs pace rather than profit — and meeting the target early does not end the phase in your favour if the days are not there.
Is the challenge fee refunded?: Not on the 2 Step Flex. Funding Pips refunds the registration fee at the fourth reward on the 2 Step Standard; the Flex is recorded here as not eligible, which is a real cost difference between two programmes priced within a few dollars of each other.

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