The $100K account is the largest standard size FundingPips offers. Four models sit at this tier: 2-Step Standard, 2-Step Pro, 1-Step, and Zero. Fees range from $444 to $555 before discounts, and the Zero jumps higher still.
At $10K, picking the wrong model means you wasted $66 instead of $36. At $100K, the stakes are different. You're committing $444 to $555+ before you've made a single trade. That's real money, and the wrong pick doesn't just cost you the fee — it costs you in account breaches when the rules don't match your strategy.
I've been through this exact decision process. Below is the full breakdown so you don't have to figure it out the hard way.
Tested firsthand: I've traded multiple FundingPips accounts—passed evaluations on 2-Step Standard and Pro, dealt with the funded-stage rule switches, and withdrawn real money through Tuesday Payday. What you're reading comes from live funded trading, not from reading their marketing page.
For the complete breakdown of every FundingPips account type—including how 2-Step Standard, Pro, 1-Step, and Zero differ in drawdown rules, profit splits, and pricing, plus which account size actually makes sense for your trading style—read my full FundingPips accounts overview. It covers all five sizes from $5K to $100K with real cost analysis. For the absolute latest, check FundingPips' website or their FAQ section.
$100K Options — All 4 Models Compared
Four completely different products. Same capital, very different rules.
| Model | Price | Target(s) | Daily Limit | Max DD | DD Type | Leverage | Fee Refund |
|---|---|---|---|---|---|---|---|
| 2-Step Standard | $444 | 8% Ph1 / 5% Ph2 | 5% ($5,000) | 10% | Static | 1:100 | Yes (4th payout) |
| 2-Step Pro | $499 | 6% Ph1 / 6% Ph2 | 3% ($3,000) | 6% | Static | 1:50 | No |
| 1-Step | $555 | 10% (single phase) | 4% ($4,000) | 6% | Static | 1:50 | Yes (4th payout) |
| Zero (Instant) | $499 | None | 3% ($3,000) | 5% | Trailing | 1:50 | No |
The daily limit in dollar terms matters more than the percentage. $5,000 of breathing room per day versus $3,000 changes how you survive a bad session. On the Standard, three losing days at $1,500 each don't end your week. On Pro or Zero, two bad $1,500 sessions get very close to the wire.
The fee refund detail also cuts differently at $100K. After four payouts, FundingPips credits back your $444 (Standard) or $555 (1-Step) evaluation fee. That's not symbolic. It's money.
The $100K 2-Step Standard — Best All-Round Choice
The Standard costs $444, has the most generous drawdown of any model (10% static, $10,000 buffer), and gives you 1:100 leverage. Two evaluation phases: 8% in Phase 1 ($8,000), 5% in Phase 2 ($5,000). Then you're funded.
The $10,000 drawdown buffer is the number that matters most here. It means your account survives a rough patch that would terminate every other model at this size. Zero gives you $5,000 before the trail kicks in and moves. Pro gives you $6,000 static. The Standard gives you twice that, and it never moves.
At $100K, the 5% daily loss limit ($5,000) is also the highest of any model. Five losing days at $1,000 each don't end your trading week. On Zero, a single bad $3,001 session ends the day.
The fee refund after four payouts is a genuine sweetener. Once you've pulled four payouts, you get $444 back. At this account size, that lands.
The bottom line: for most traders, the Standard is the right answer at $100K. It's the cheapest model that isn't the wrong model.
The $100K 2-Step Pro — For Consistent, Low-Volatility Traders
Pro costs $499 at $100K, which is $55 more than Standard. You get tighter targets (6% each phase, so $6,000 twice), tighter daily loss ($3,000), tighter max drawdown (6% static, $6,000 buffer), and the 45% consistency rule applies.
That last point is worth unpacking. The Pro model enforces a 45% consistency cap across your trading. Your single best day's profit can't exceed 45% of your cumulative total. If you have a big day early on, you'll need to grind out enough additional profit to push that best-day percentage below 45% before you can withdraw freely.
None of this sounds appealing compared to the Standard. So who is Pro actually for?
Traders with a genuinely low-volatility strategy. If your daily P&L is narrow and consistent — think systematic or algo-assisted approaches where no single day swings dramatically — the 6% target is manageable and the consistency cap won't bite you. The tighter drawdown ($6K vs $10K) is less of a concern when your daily swings are measured and predictable.
What Pro doesn't offer is a fee refund. Pay $499, and you never see that money again regardless of performance. At $100K, that's the key reason most discretionary traders skip it entirely.
The $100K 1-Step — Pay More, Do It Faster
The 1-Step costs $555 at $100K. One evaluation phase, 10% target ($10,000), 4% daily loss ($4,000), 6% static drawdown ($6,000 buffer). Pass once, funded.
The pitch is speed. Skip Phase 2, get to the funded account faster. For traders who hate grinding through a second evaluation after already hitting Phase 1, that's genuinely appealing.
Here's the honest math though. The 2-Step Standard requires $8,000 in Phase 1 and $5,000 in Phase 2. Total: $13,000 across two phases. The 1-Step requires $10,000 in one phase. But the 2-Step Standard also costs $111 less ($444 vs $555) and has a 10% static drawdown versus 6% on 1-Step.
That means on the Standard, you're paying $111 less and getting $4,000 more in drawdown protection. The only thing 1-Step gives back is one fewer phase to pass. Whether that's worth $111 and a $4,000 narrower safety net depends entirely on how much you hate evaluations.
One thing that makes 1-Step more defensible: it also qualifies for the fee refund after four payouts. So the $555 comes back eventually. At that point the net cost difference between Standard and 1-Step compresses to nothing. If you're going to stick around long enough to hit four payouts anyway, the speed advantage becomes the deciding factor.
My honest take: most traders are better off on Standard. But if you've already passed multiple evaluations at other firms, know your strategy works, and just want to skip one phase, 1-Step is a reasonable call.
The $100K Zero — Instant Funded, Trailing Trap
Zero costs $499. No evaluation, no phases, no targets. You pay, you're funded, you start trading at a 95% profit split immediately.
The catch is the trailing drawdown, and at $100K it's worth understanding in exact dollar terms.
| Scenario | Zero (5% trailing) | Standard (10% static) |
|---|---|---|
| Starting floor | $95,000 | $90,000 |
| After equity peaks at $102,000 | Floor moves to $96,900 | Floor stays at $90,000 |
| Buffer remaining after $102K peak | $1,900 if back at $98,800 | $8,800 if back at $98,800 |
| Lock point (trailing stops) | At $105,000 equity (5% profit) | N/A — always static |
| Daily loss limit | $3,000 | $5,000 |
| Floating loss cap | $1,000 (hard breach) | None |
The buffer scenario in row 3 is the one that gets people. You go from $100K to $102K, feel good about the account, give back $3,200 on a bad day and land at $98,800. On Standard, you've got $8,800 of floor remaining. On Zero, you've got $1,900.
The trailing drawdown locks permanently once you've reached 5% profit above starting balance — $105,000. At that point your floor sits at $100,000 and stays there. But getting to $105,000 without triggering the trail is the hard part, and most Zero accounts at $100K breach before they get there.
The 1% floating loss cap on Zero ($1,000 on a $100K account) is the other silent killer. Your combined unrealized drawdown on all open positions can't exceed $1,000 at any point. On a $100K Standard account with a single standard lot of EUR/USD, a 10-pip adverse move is $100. Ten pips of room before you're 10% of the way to an immediate breach. Twenty pips of room before the account terminates.
Zero works for experienced scalpers with small, tight stops. It's not the right choice for anyone still developing a strategy, anyone with daily swings that regularly exceed 1% intraday, or anyone who intends to hold through volatility.
What a $100K Funded Account Actually Looks Like
Once you've passed the evaluation (or paid for Zero), here's what trading with $100K at FundingPips actually involves.
Single-trade profit cap: FundingPips limits any single trade's contribution to a payout to 3% of account size. On $100K, that's $3,000 per trade counted toward a payout. Trades exceeding that threshold may have profits above $3,000 excluded or flagged. Trade as normal, but understand that one massive outlier trade won't let you skip the grind.
Minimum payout: 1% of initial account balance, FundingPips' share included. On $100K, that's $1,000 minimum per withdrawal request.
Scaling path: Funded accounts at $100K are eligible for FundingPips' Hot Seat program. After 4 successful payouts and 10% total profit, Launchpad kicks in and adds 20% capital ($120K). From there: Ascender (+30%, $130K), Trailblazer (+40%, $140K), Hot Seat (2x initial, $200K). The cap on the program is $2 million.
| Payout Frequency | Split | Take-home on $3,000 profit | Take-home on $6,000 profit |
|---|---|---|---|
| Weekly | 60% | $1,800 | $3,600 |
| Bi-weekly | 80% | $2,400 | $4,800 |
| On-demand | 90% | $2,700 | $5,400 |
| Monthly | 100% | $3,000 | $6,000 |
| Zero (bi-weekly fixed) | 95% | $2,850 | $5,700 |
The monthly 100% split on a Standard account beats Zero's 95% bi-weekly in take-home, with fewer rule restrictions and a wider drawdown buffer. That comparison alone answers most questions about whether Zero is worth the tradeoff.
Each payout carries a $10 processing fee. Small at this level, but it adds up on weekly schedules.
My Pick at $100K and Why
The 2-Step Standard at $444 is the right call for most traders at this account size.
The 10% static drawdown ($10,000 buffer) is the largest of any model. The $5,000 daily loss limit is the highest. The 1:100 leverage gives the most flexibility. The fee refund after four payouts makes $444 a temporary outlay. And there's no consistency rule choking your profit distribution.
The 1-Step at $555 makes sense if you've already proven your strategy at another firm and you just want to reach funded status in one phase. Run the numbers honestly: $111 more, $4,000 less drawdown buffer, same fee refund after four payouts. If skipping Phase 2 is worth that, go for it. For most people, it isn't.
The Pro at $499 is for a specific trader type — systematic, low-volatility, tight daily swings. The 45% consistency rule and the missing fee refund are real negatives. If that description doesn't match your trading, ignore it.
Zero at $499 is the most expensive decision at $100K when you factor in breach probability. The trailing drawdown, 1% floating loss cap, and tighter daily limit ($3,000) create conditions that end accounts for traders who'd survive fine on Standard. Pay less, get more room, survive longer. The math at this size points overwhelmingly toward Standard.
Frequently Asked Questions
How much does the FundingPips $100K account cost?
FundingPips' $100K account costs $444 for the 2-Step Standard, $499 for the 2-Step Pro and Zero models, and $555 for the 1-Step. The Standard and 1-Step include a fee refund after four successful payouts. All prices are before discounts — use code VIBES for a reduction.
What is the daily loss limit on the FundingPips $100K account?
The daily loss limit depends on the model. 2-Step Standard allows 5% per day ($5,000). The 1-Step allows 4% ($4,000). Both the 2-Step Pro and the Zero model enforce a 3% daily limit ($3,000). The Standard gives you the most breathing room by a meaningful margin.
What is the drawdown on the FundingPips $100K account?
The 2-Step Standard uses 10% static drawdown ($10,000 buffer from starting balance). The 1-Step and 2-Step Pro both use 6% static ($6,000). The Zero model uses 5% trailing, which tracks your equity peak upward and locks into a static floor once you've banked 5% profit ($105,000 balance).
Which FundingPips $100K model has the best risk-to-fee ratio?
The 2-Step Standard at $444 offers the best ratio. You get $10,000 of static drawdown protection, $5,000 daily loss room, 1:100 leverage, and a full fee refund after four payouts. No other model at this price point offers comparable protection.
Does FundingPips refund the $100K evaluation fee?
The 2-Step Standard ($444) and 1-Step ($555) both include a fee refund after your fourth successful payout. The 2-Step Pro and Zero model do not offer any fee refund, since Pro is a stricter evaluation product and Zero is instant funding with no evaluation to refund.
What happens after passing the FundingPips $100K evaluation?
You receive a funded Master account at $100K and start trading with access to profit splits ranging from 60% (weekly) to 100% (monthly). You're immediately eligible for FundingPips' Hot Seat scaling program, which can grow your account to $200K after four payouts and eventually up to $2 million.
Can I trade all instruments on the FundingPips $100K account?
FundingPips supports forex, commodities, indices, and crypto on all $100K account models. Leverage varies by instrument: up to 1:100 on the Standard for forex, 1:50 on other models. The Zero model prohibits weekend holding, which limits certain index and crypto strategies relative to evaluation models.
Is the FundingPips $100K Zero account worth buying?
For most traders, no. At $100K, the Zero account costs $499 and comes with 5% trailing drawdown, a $1,000 floating loss cap, $3,000 daily limit, no weekend holding, and no fee refund. The 2-Step Standard costs $55 less, offers double the drawdown buffer, and returns the fee after four payouts. Zero only makes sense for experienced scalpers with a proven low-volatility approach.
