Atlas Funded vs Funding Pips: Which Prop Firm Is Better in 2026?

Atlas Funded vs Funding Pips: Quick Comparison

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Atlas Funded and Funding Pips. You've probably seen both names thrown around in trading forums and Discord servers.

Both firms have been around long enough to build real track records. Both offer funded accounts with decent profit splits. And both have traders who swear by them.

The problem is, "decent" doesn't help you pick one. The details do. Payout speed, trading rules, fees, how they treat you when it's time to withdraw. That's what separates a good prop firm from one that wastes your time.

Let’s put these two firms under the microscope. By the time you're done reading this comparison, you'll know exactly which one deserves your attention.

What Is Atlas Funded?

Atlas Funded entered the prop firm market in 2024 and quickly stood out by doing things differently. Registered in Saint Lucia with operations in the UAE and UK, they built their reputation on one simple idea. Traders shouldn't have to pay for a challenge they might not pass.

Atlas Access lets you take the evaluation and only pay if you make it through. No upfront fee. No wasted money on failed attempts.

Beyond that, they offer instant funding for traders who want to skip evaluations altogether. Accounts go from $5k to $400k (with traders able to hold two $200k accounts), but the maximum account size caps at $300k.

Profit splits hit 100% if you upgrade. And payouts are processed within 24 hours, or they pay you $1,000 for being late.

You can trade on TradeLocker, MT5, or Match Trader. Instant funding is also available if you'd rather skip the evaluation entirely.

What is Funding Pips?

Funding Pips launched in 2022 out of Dubai and has grown quickly since. They've built a reputation for low fees and a trader-friendly approach that doesn't nickel and dime you at every step.

Their evaluation fees start as low as $29 for a $5k account, making them one of the cheaper options out there. For traders who'd rather skip evaluations, they offer a Zero model that gets you straight to a funded account.

Account sizes scale up to $2 million. Profit splits can reach 100% once you hit their Elite trader level. Payouts happen on Tuesdays, and some traders report getting funds in under 6 minutes.

No time limits on challenges. News trading, weekend holding, and EAs are all allowed on most accounts. They also claim zero denied payouts, which has helped them rack up over 41,000 Trustpilot reviews at a 4.5 rating.

However, it does not accept US traders.

Account Types and Funding Options

Both firms give you different ways to get funded. Let me show you which structure will work better for how you trade.

Atlas Funded Account Types

Atlas Funded has five ways to get started.

• Instant Funding is exactly what it sounds like. Pay, skip the evaluation, trade immediately. Accounts go from $5,000 to $300,000 with a 100% profit split and no targets hanging over your head.
• 1-Step Challenge gives you one phase to hit 11% profit. That's it. Pass, and you're in.
• 2-Step Challenge splits things up. The standard version wants 9% first, then 5%. Pro has slightly different targets. Nothing unusual here if you've done prop firm challenges before.
• 3-Step Challenge spreads the pressure across three 6% targets. Easier to digest if you don't like chasing big numbers in one go.
• Atlas Access is the one worth paying attention to. Take the evaluation first, pay later. Only if you pass. Both 1-Step and 2-Step versions exist. If you've ever thrown money at a challenge and blown it on day two, you'll understand why this matters.

Funding Pips Account Types

Funding Pips runs three programs.

• 1-Step Challenge is one phase at 10%. Pass, and you're trading a funded account.
• 2-Step Challenge has an 8% target in Phase 1, 5% in Phase 2. Their Pro version drops both to 6%.
• Zero Model skips everything. No evaluation, no targets. Pay $499 for a $100k account and start trading that same day.

Account sizes range from $5k to $100k. Scaling can eventually get you to $2 million. A $100k account costs $555 for 1-Step,  $529 for 2-Step, or $499 for Zero. You pay upfront regardless of which you choose.

Comparison Table – Account Types

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Verdict: Atlas Funded wins on flexibility. More challenge types, larger accounts without needing to scale, and the Access program means you're not gambling money on an evaluation you might fail. Funding Pips has slightly lower instant funding fees, but that's about it.

Profit Splits Compared

Atlas Funded keeps it simple. You start at 80% across all account types. Want to keep everything? Pay for the 100% upgrade, and every dollar you make is yours. Works the same whether you're on instant funding or a challenge account.

Funding Pips takes a different approach. Your profit split depends on which program you're on and how often you want to get paid.

Their 2-Step accounts range from 80% if you're taking Tuesday payouts up to 100% if you're willing to wait for monthly withdrawals. The Pro account sits at 80%. Zero (instant funding) gives you 95% on a bi-weekly cycle.

So Funding Pips can technically match Atlas at 100%, but you'll need to be patient. If you want your money faster, you're taking a cut. Atlas doesn't make you choose between speed and split.

Comparison Table – Profit Splits

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Verdict: Atlas Funded takes this one. Both firms can get you to 100%, but Atlas lets you pay for it upfront and move on. Funding Pips ties your split to your payout schedule, so faster withdrawals mean smaller cuts. If you want top dollar without the trade-off, Atlas is the cleaner option.

Payout Speed and Withdrawal Terms

You can have the best profit split in the world, but it means nothing if you can't actually get your money out. Payout speed and terms are where a lot of prop firms quietly disappoint traders. Let's see how these two handle it.

Atlas Funded Payout Speed and Withdrawal Terms

Atlas Funded doesn't make you wait for a specific day. Their payout system is fully on-demand. Want your money on a Thursday afternoon? Request it. They process within 24 hours, and if they're late, they owe you $1,000. Most traders report getting funds much faster than the 24-hour window anyway.

Default payout cycle is every 30 days, but add-ons let you switch to bi-weekly or weekly. No minimum withdrawal on most accounts, except a $50 floor on Access Challenge.

Funding Pips Payout Speed and Withdrawal Terms

Funding Pips works differently. They run a Tuesday Payday system, so withdrawals happen once a week on Tuesdays. Depending on when you opened your master account, you could get paid same-day or wait up to four trading days. Crypto payouts through Binance are the fastest, with some traders reporting funds in under 10 minutes.

Minimum withdrawal is 1% of your starting balance. They accept crypto, Google Pay, and bank transfers. Funding Pips also advertises a zero payout denial policy, so if you've traded within the rules, your money should come through without issues.

Comparison Table – Payouts

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Verdict: Atlas Funded has the edge here. On-demand beats waiting for Tuesday, and that $1,000 late penalty shows they're serious about getting you paid on time. Funding Pips isn't slow by any means, but if you want your money when you want it, Atlas gives you more control.

Trading Rules and Restrictions

Rules determine how freely you can actually trade. Some firms box you in with so many restrictions that you end up trading their way instead of yours. Others give you room to breathe. Here's where Atlas Funded and Funding Pips land.

Atlas Funded Trading Rules

Daily drawdown sits at 4-5% depending on account type. Maximum drawdown ranges from 6-10%. Nothing unusual there.

Where Atlas stands out is what they don't require. No minimum trading days. No time limits to pass challenges. No consistency rules. If you make 80% of your profit in one trade, nobody's penalizing you for it.

News trading is allowed during evaluations. On funded accounts, you can still trade around news events, but profits from trades opened or closed within 5 minutes of high-impact releases may be deducted from your payout. It won't breach your account, though.

Weekend holding is permitted, but you can't open new positions on Saturday or Sunday. Stop losses aren't mandatory. Trades under 3 minutes as your primary strategy are prohibited.

Funding Pips Trading Rules

Daily drawdown is 5%. Maximum drawdown is 10%. Standard stuff.

The difference is that Funding Pips requires a minimum of 3 trading days per phase and for each payout cycle. No time limit to complete challenges, which is good. But the Zero model throws in a 15% consistency rule on rewards, so keep that in mind if you're going the instant funding route. It is also worth noting that Funding Pips also has a 45% maximum daily profit rule for funded accounts to prevent "gambling" a payout on a single lucky trade.

News trading is allowed during evaluation without restrictions. On funded accounts, it gets complicated. If you're on the On-Demand reward cycle, you can trade news freely. But Tuesday Payday, Bi-weekly, and Monthly cycles restrict it. Profits from trades opened or closed within 5 minutes of high-impact news won't count unless you opened the position at least 5 hours before the event.

Weekend holding is allowed. Stop losses aren't required. EAs are permitted if they're trade or risk managers, but third-party trading EAs will get your account terminated.

Comparison Table – Trading Rules

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Verdict: Atlas Funded gives you more freedom. Funding Pips isn't overly restrictive, but that 3-day minimum and the consistency rule on Zero accounts add hurdles that some traders would rather skip.

Trading Platforms and Instruments

Your platform choice affects how you execute and analyze trades. Some traders won't use anything but MT5. Others want something more modern. Here's what each firm offers.

Atlas Funded Platforms

Atlas Funded gives you three options. TradeLocker, MetaTrader 5, and Match Trader. All work on desktop, web, and mobile. If you're looking for MT4 or cTrader, you won't find them here.

Funding Pips Platforms

Funding Pips goes wider with four platforms. MT5, cTrader, Match-Trader, and they recently added TradeLocker. TradingView integration is available for charting and analysis. More variety than Atlas, and cTrader fans won't be left out.

Instruments

Atlas Funded covers forex pairs across majors, minors, and exotics. Commodities include metals, energy, and agricultural products. Indices span the US, European, and Asian markets. Crypto trading is available with BTC, ETH, XRP, and others.

Funding Pips offers forex, crypto, indices, metals, and energies. Spreads are raw with a $5 commission per standard lot round turn. Crypto commission is 0.04%, while indices and oil are commission-free. No stocks, though, same as Atlas.

Comparison Table – Platforms & Instruments

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Verdict: Funding Pips edges ahead on platforms. Four options, including cTrader, plus TradingView integration for analysis. Atlas covers the basics fine, but if platform variety matters to you, Funding Pips has more to offer.

Key Takeaways – Atlas Funded vs Funding Pips

• Best for instant funding: Atlas Funded. Larger accounts up to $300k versus Funding Pips' $100k cap. Both offer instant options, but Atlas gives you more room to scale from the start.
• Best profit split: Tie on paper. Both hit 100%. But Atlas lets you pay for the upgrade and keep your payout speed. Funding Pips ties your split to how long you're willing to wait for withdrawals.
• Fastest payouts: Atlas Funded. On-demand processing within 24 hours, backed by a $1,000 penalty if they're late. Funding Pips' Tuesday Payday system is solid but less flexible.
• Most flexible rules: Atlas Funded. No minimum trading days, no consistency rules. Pass at your own pace.
• Best for beginners: Funding Pips. Lower fees, more platform options, and a strong Trustpilot reputation with 41,000+ reviews. Easier entry point if you're still finding your footing as a prop trader.
• Best for experienced traders: Atlas Funded. The Access Challenge lets you prove yourself without risking fees upfront. Faster payouts and fewer restrictions mean skilled traders can operate efficiently and get paid quickly.
• Best platform variety: Funding Pips. Four platforms, including cTrader, plus TradingView integration.

Overall Winner: Atlas Funded comes out ahead for traders who value speed and flexibility. Faster payouts, no minimum trading days, and the pay-after-you-pass model give it a clear edge. Funding Pips is a strong competitor with lower fees and more platform choices, but Atlas removes more friction from the trading experience.

Conclusion

Funding Pips has earned its reputation. Low fees, solid platform variety, and a strong track record with over 41,000 Trustpilot reviews. It's a legitimate option, especially if you're newer to prop trading.

But Atlas Funded removes obstacles that Funding Pips doesn't. No minimum trading days. No consistency rules tying your hands. Payouts are processed in 24 hours instead of waiting for Tuesday. And the Access Challenge means you're not burning money on evaluations you might not pass.

Both firms can get you funded. Atlas Funded gets you there with fewer strings attached.

Skip the wait. Trade on your terms with Atlas Funded.

Frequently Asked Questions (FAQs)