- 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 — The5%ers wins
This is the widest gap in the comparison.
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. It has grown fast and is genuinely popular, but four years is simply less evidence than ten.
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 — no evaluation at all, live capital from day one, doubling at every +10% up to $4M
- Bootcamp — a $22 three-step route to a $20K funded account
If evaluation pressure itself is what you want to avoid, Hyper Growth has no FundingPips equivalent. 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 is a hard requirement
- 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 no-eval 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. Traders optimising for longevity, career-style scaling, and the salary ceiling should take The5%ers: ten clean years, a 70% refund, and a $10,000 monthly salary at the top are things no young firm can offer yet.
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
The5%ers — track record and career-style scaling
Operating since 2016. High Stakes from $19 with a 70% fee refund at first payout, and salary tiers up to $10,000/month at $500K on a 100% split.
→ The5%ers official (coupon “HZZS4” for a discount)
FTMO — the industry’s largest name
Operating since 2015, the industry standard two-step model with one of the largest published payout track records.