- FundingPips — cheapest entry (from about $19), shorter payout cycles, slightly softer targets (8%/5%)
- The5%ers — operating since 2016 with no regulatory trouble, 70% fee refund at first payout, salary tiers up to $10,000/month
- Ceiling split is 100% at both; the difference is what sits above it
The5%ers (founded 2016) and FundingPips (founded 2022) are one of the most requested matchups in prop trading: both run two-step evaluations, both start around $19, and both scale the profit split to 100%. The similarities end there.
The figures below reflect official terms as of July 2026. FundingPips in particular revises its plans, prices, and split tiers frequently, so treat its numbers as a snapshot and confirm everything on fundingpips.com before paying.
Head to head
| Item | The5%ers (High Stakes) | FundingPips (2-Step) |
|---|---|---|
| Founded | 2016 | 2022 |
| Base | Israel-rooted | Dubai, UAE |
| Model | 2-step | 2-step |
| Profit targets | 10% → 5% | 8% → 5% |
| Max loss | 10% (static, initial balance) | 10% (static, initial balance) |
| Daily loss | 5% (previous day’s close) | 5% |
| Minimum days | 3 profitable days (each ≥ +0.5%) | 3 trading days (no profit condition) |
| Time limit | Unlimited | Unlimited |
| Entry price | From $19 | From about $19 (among the cheapest) |
| Profit split | 80% → up to 100% | 80% → up to 100% |
| Max allocation | $500,000 | Scaling available (check official) |
| Salary | $4,000/mo at $350K, $10,000/mo at $500K | None |
| Payout cycle | Bi-weekly, $150 minimum | Short cycles (as short as ~5 days) |
| Fee refund | 70% with first payout | Check official |
Price — FundingPips wins
FundingPips has built its brand on being consistently among the cheapest firms in the industry, with challenges from around $19. The5%ers matches the $19 floor on its smallest High Stakes account, but at comparable account sizes FundingPips usually undercuts it. If your strategy is to buy multiple cheap attempts while you find your footing, FundingPips is the rational pick.
One caveat: pricing is exactly the kind of term FundingPips revises often, so check the current table before you commit.
Evaluation difficulty — FundingPips is slightly easier
Two structural differences favour FundingPips.
- Targets: 8% then 5%, against 10% then 5% at The5%ers. Two percentage points less in phase one is not trivial.
- Minimum days: FundingPips counts any 3 days on which you traded. The5%ers requires 3 profitable days, each closing at +0.5% of the initial balance or more.
That profitable-days condition is the detail that catches The5%ers candidates out — hitting the target fast does not help if you lack three qualifying days. See The5%ers rules explained for the full rule set.
Everything else is level: 10% max loss, 5% daily loss, unlimited time at both firms. The most common cause of failure — the daily loss limit — is equally strict on either side.
Payouts and splits — cycle to FundingPips, ceiling a tie
FundingPips’ strongest card after price is cash flow: its published model offers payout cycles as short as roughly 5 days, among the fastest in the industry. Exact cycle options and split tiers change often, so verify on the official site.
The5%ers pays bi-weekly with a $150 minimum via Rise, bank transfer, or crypto — slower, but with one sweetener FundingPips lacks: 70% of your evaluation fee is refunded with the first payout on High Stakes, which materially lowers the real cost of entry. Details in The5%ers payout guide.
On the split itself, both firms run 80% scaling to 100%. No winner at the ceiling.
Track record and trust — no longer a clean win for The5%ers
The5%ers has operated since 2016 — ten years, making it one of the oldest firms in the industry — with no history of regulatory action. FundingPips launched in 2022. On years alone, ten beats four. But this section used to declare The5%ers the trust winner, and that call no longer stands: on 2026-08-01 this site re-rated The5%ers from High to Low trust (★4.6→3.3) after the firm itself acknowledged payout delays in March 2026, and a flat 3.5% is deducted from every cash withdrawal. Longevity is still evidence; it is no longer a verdict.
To be fair to the record, the honest caveats on FundingPips are: frequent plan and terms revisions, a minority (but nonzero) of payout and support complaints on Trustpilot and Reddit, and a UAE regulatory environment that is lighter-touch than the EU’s. The majority of reviews are positive; the long-term question is still open. See FundingPips reputation review for the detail, and The5%ers reputation review for the other side.
Scaling and career path — The5%ers wins
The5%ers scales High Stakes accounts to $500,000, and builds something unusual into the top of that ladder: a fixed monthly salary paid on top of the profit split.
- At $350K allocation: $4,000 per month
- At $500K allocation: $10,000 per month, alongside a 100% split
No other mainstream firm structures its top tier this way, and it is the closest the industry comes to treating funded trading as a salaried career. FundingPips offers scaling, but nothing resembling a salary. If your horizon is years rather than weeks, this is the decisive column.
Program variety — The5%ers wins
FundingPips varies the number of evaluation steps (1, 2, or 3). The5%ers runs three genuinely different programs:
- High Stakes — the standard two-step evaluation, from $19
- Hyper Growth — a one-step evaluation with a +10% target, 3% daily loss and 6% stop-out, split from 75%
- Bootcamp — a $22 three-step route to a $20K funded account
A correction: we previously described Hyper Growth as a no-evaluation program — it is not, and the separate Instant Funding product that was has been discontinued. What FundingPips has no equivalent of is Bootcamp’s pay-once step-up route and the salary tiers at the top of the High Stakes ladder. See The5%ers programs compared.
Which should you pick
Pick FundingPips if:
- you want the lowest cost per attempt, full stop
- short payout cycles matter more to you than anything else
- the softer 8%/5% targets and plain 3-trading-day minimum fit how you trade
Pick The5%ers if:
- a ten-year operating record matters to you, and you accept the Low trust rating this site has applied since 2026-08 by keeping the ticket small
- you are building toward the salary tiers ($4K/mo at $350K, $10K/mo at $500K)
- the 70% fee refund at first payout changes your cost math
- you want alternative routes like the one-step Hyper Growth or the $22 Bootcamp
Verdict
Cost-first and cash-flow-first traders should take FundingPips: the prices and the payout speed are real advantages, not marketing. The5%ers’ case rests on the salary-tier ceiling, the 70% refund, and its long record — but after the firm acknowledged payout delays in March 2026 and this site cut its trust rating to Low, building a multi-year salary-tier plan on it is not something we currently recommend. If its structure appeals, test it at the $19 minimum and let your own payouts decide.
Whichever you choose, start small and scale with evidence. For passing the evaluation itself, see 10 tips for passing a prop challenge.
Recommended prop firms
FTMO — the industry’s largest name
Operating since 2015, the industry standard two-step model with one of the largest published payout track records.
The free trial lets you test everything at no cost, and the 2-Step Challenge fee is refunded with your first payout after passing (no refund if you fail). See the FTMO free trial guide.
The5%ers — for building up from a small ticket
Operating since 2016. Three plans run in parallel — the one-step Hyper Growth, the two-step High Stakes and the three-step Bootcamp — with fees from $19. The profit split climbs in steps toward 100%, but a flat 3.5% is deducted from every withdrawal. On 2026-08-01 this site re-rated The5%ers from High to Low trust (★4.6→3.3) after the firm itself acknowledged payout delays in March 2026. If you use it, keep the ticket small and confirm your first payout arrives before scaling up.
→ The5%ers official (referral code “HZZS4” — 0% discount as of 2026-08-19)