Version archive

2 Step Flex – FundingPips

FundingPips19 versionsLive page

Version 1910/9/2026, 4:32:25 AM

2 Step Flex Model

Two phases. Two ways to earn.

2 Step Flex is a two-phase evaluation. Phase 1 and Phase
2,
then trading on a Master Account. At purchase, the reward
structure is chosen: an 80% split, passing each phase on its profit
target,
or a 95% split
based on profitable days. The choice is locked for the life of the
account, and both cost the same.

- **2-phase evaluation**: Phase 1 (10%) + Phase 2
(8%) with an 80% split with 1 minimum trading day, or a 95%
split with 3 profitable days (≥ 0.5% each).

- **Flexible, bi-weekly rewards**: Choose the reward
split! Get an 80% split with 1 minimum trading day, or 95%
on 3 profitable days.

- **1:100 Forex leverage**: The highest standard
Forex leverage available across all models.

- **Generous loss limits**: Trade comfortably with
a 4% daily and 12% maximum loss limit.

- **Overnight & Weekend Holding**: always allowed
on Evals. Allowed on Master with Swing Add-on.

- **Account sizes**: $5K, $10K, $25K, $50K, and $100K.

Evaluation to MasterAccount ViolationsNews & Weekend HoldingRewardsCommission & Leverage

Tests trading skills and builds a trading profile.

Phase 1

- Achieve a **10% profit target** during
Phase 1.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 1 accounts and accounts purchased before 26 August
2026 will retain the 0 minimum trading day requirement for the
80% split. Reset and new accounts will require 1 minimum trading
day.

Confirms consistency and validates Phase 1 performance.

Phase 2

- Achieve a **8% profit target** during
Phase 2.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 2 accounts will retain the 0 minimum trading day
requirement for the
80% split. Reset and new accounts purchased on or after 26 August
2026
will require 1 minimum trading.
day.

Account Reset

A second chance built for momentum. If an account is breached
due to trading behavior, risk violations, or inactivity breaches,
it can restart quickly without changing the setup with
a discounted reset shown below.

- **Phase 1 Reset:** 12% OFF

- **Phase 2 Reset:** 10% OFF

- **Master Account Reset:** 7% OFF

- Available only within **7 calendar days**
of the breach

- Keeps the same **account size**
- Keeps the same **trading platform**
- If a Phase 2 or Master Account is reset, it restarts
from Phase 1

The reset option will appear automatically on the dashboard
once the account qualifies.

## The Master Account

Evaluation Complete

Once both phases are passed, the opportunity to trade on a
Master Account is offered. For setup instructions,
[click here](https://help.fundingpips.com/hc/en-us/articles/48636294148497-Master-Account-Setup).

Account Violations: Hard Breach

Hard breaches are serious violations of established rules.
Committing a hard breach results in immediate account closure
with no grace period.

## Hard Breaches

Hard Breach: Immediate Account Closure

Immediate account termination with no grace period. Click any card
to learn more.

Max Loss Limit

12%

Equity or balance cannot hit 12% below the starting
account size at any time.

How is it calculated? ↓

Daily Loss Limit

Max daily loss from the higher of opening balance or equity.

How is it calculated? ↓

Inactivity

30 days

Account breached if no completed trades within 30 consecutive
days.

What counts as activity? ↓

How is the Max Loss Limit calculated?

**Max Loss Limit: 12%** of the starting
account size.

This is a static floor; it never moves. Equity or
balance cannot touch this level at any point across both
phases and the Master Account, including floating losses
from open trades.

* * *

Worked example

Account size: **$100K**

12% of $100K = $12K. Equity or balance
cannot drop to **$88K**
at any point.

How is the Daily Loss Limit calculated?

**Daily Loss Limit: 4%** of the higher value
between the opening balance or opening equity for that
day.

At the start of each trading day, the system records
both balance and equity. Whichever is higher
becomes the baseline. Equity cannot fall by more
than 4% of that baseline at any point during the day,
including floating losses from open trades.

* * *

When equity is the higher value

Opening balance: **$105K** / Opening
equity: **$107K**

Baseline = $107K (equity is higher)

4% of $107K = $4,280. Equity cannot drop
to **$102,720**
that day.

When balance is the higher value

Opening balance: **$100K** / Opening
equity: **$99K**

Baseline = $100K (balance is higher)

4% of $100K = $4K. Equity cannot drop
to **$96K** that
day.

Important

Both floating P&L and closed positions count
toward the daily loss.
The limit resets at **00:00 Platform Time (UTC+3)**.
Check the countdown timer on the FundingPips dashboard.

What counts as activity?

The account is breached if no trades are completed in
**30 consecutive calendar days**. At least
one complete trade, opened and fully closed, must occur
within any 30-day window to keep the account active.

* * *

When the inactivity clock starts

- **No trades placed yet:** the clock
starts from the account creation date.

- **Previously traded:** the clock
starts the day after the last trade was fully
closed.

Open trades do not count

A trade only counts as activity once it is fully
closed. Leaving a trade open does not reset or pause
the inactivity timer.

## News & Speeches Trading

We use the
**Economic Calendar on the FundingPips dashboard**
as our official news source, which features the News and Speeches
.

Trading during high-impact news and speeches is subject to
specific restrictions depending on account phase.

Important

Purposely trading during news and speeches in both the Evaluation
and
Master phases is prohibited and will result in account closure.

Evaluation Phase

There are
**no news trading restrictions during the Evaluation phase**.
Trades can be held and managed during news and speech.

Master Account

Soft Breach

These rules do not result in account closure, but affected
profits
will be deducted.

Trades can be held during news and speeches on the Master
Account, however specific rules apply to
**trades opened**
**or closed near high-impact news events**.

* * *

The restricted window

Restricted
**News**;
the window runs from
**5 minutes before or 5 minutes**
**after**
**high-impact news**
.

Restricted
**Speeches**;
the window
spans from
**5 minutes before the high-impact speech begins until 5**
**minutes after**
it concludes.

Profit Deduction

Profits made from trades opened or closed
within the restricted window around any high-impact
news and speeches on the affected currency may be
deducted.

Swing trader exception: the 5-hour rule

Trades opened **5 hours or more before**
a high-impact event or speech are excluded from the
restriction and can be closed within the restricted
window. Profits from these trades will count.

Examples

- **Related currency:** if news
affects USD, trades cannot be opened or closed
on any USD-related pairs within the 10-minute
window.

- **Trade opened 30 minutes before the event:**
closing it within the window will result
in those profits not being counted.

**Trading Rule Clarification**

- **Trades opened more than 5 hours before the news:**
profits will count if closed within the 10-minute
window.

- **Trades opened less than 5 hours before the news:**
profits will not count if closed during the 10-minute
window.

- Closing any partial orders will affect the entire
order, leading to a news trading flag.

- Traders are responsible for violations if deductions
exceed the daily or max loss limit.

## Overnight & Weekend Holding

**Evaluation**

Overnight and weekend holding are allowed during
**evaluation phases** for all instruments on
2 Step Flex.

**Master**

On the **Master Account**, holding trades overnight
and
over the weekend is **not allowed** on 2 Step
Flex Master
Accounts. All open trades will be automatically closed by
the
system unless you have the **Swing add-on**.

Trades automatically closed by the system for overnight or
weekend
holding will not result in an account breach. However, weekday
overnight trades will count as a valid trading day, while
weekend
holding will not count as a valid trading day.

Auto-close window for Master Accounts

Open positions on 2 Step Flex Master Accounts are
closed by the system each day within a 15-minute
window.
Closing starts at the beginning of the window; any
position still open at the end of the window will
be closed.

| Period | Starts | Auto-close window |
| --- | --- | --- |
| Summer time | First Sunday of March | 20:45 to 21:00 UTC |
| Winter time | First Sunday of November | 21:45 to 22:00 UTC |

Overnight and weekend holding on Master Accounts
can be enabled at the time of purchase through an
**Add-on**.

**Impact of Weekday Overnight & Weekend Trades**

**Weekday overnight trades:**

Profits from weekday overnight trades will be added to the
account
balance and will count toward Minimum Trading Days, Minimum
Profitable Days, and the Consistency Score. The trade will
also be
counted as a valid trading day.

**Weekend trades:**

Profits from weekend trades will still be added to the account
balance, while the biggest winning day and biggest losing
day will
be included in the consistency score calculation but does
not count
as a valid trading day.

## Swap-Free Add-On

Available at purchase for traders observing Islamic finance
principles.
Removes overnight swap charges on eligible instruments.

During purchase, traders can select the Swap-Free add-on
to hold positions overnight without incurring swap (interest)
fees.

MT5, cTradeer & Match-Trader

This add-on is available on all three platforms.

- Applies to **Forex and Metals** only.

- Energies, Indices, and Crypto still incur standard
swap charges even with the add-on active.

Rewards: Minimum Amount

The minimum reward request is
**1% of the Master Account Size** (including
FundingPips'
split). Transfers are subject to exchange rates and transaction
fees.

## Reward Cycle

Rewards run on two cycles: **Bi-Weekly** (choose
an
80% or 95% split at purchase) or **Monthly**
(100%
split, available on Master Accounts purchased on 15 August
2026 onwards). Qualification depends on the cycle and split
chosen. There is no Consistency Score on either Bi-Weekly
split. Click a card to learn more.

Bi-Weekly, 80%

80%

Every 14 calendar days, no other requirement.

How does this work? ↓

Bi-Weekly, 95%

95%

Every 14 calendar days, plus 3 profitable days per cycle.

How does this work? ↓

Monthly, 100%

100%

Every 30 calendar days, plus eligibility conditions.

How does this work? ↓

Bi-Weekly80% Split

Request a Reward with an **80% split**
every
**14 calendar days** after the first
executed
trade on the Master Account. The 14-day timer is
the only
gate.
The cycle resets after each successfully processed
reward.

Bi-Weekly95% Split

Request a Reward with a **95% split**
every
**14 calendar days** after the first
executed
trade, plus **3 profitable days** in
the cycle. A profitable day is a day whose profit
is at least
0.5% of the starting account size.

How It Works

- The 14-day timer alone is not enough on the 95% split.
- 3 profitable days are needed within the cycle to qualify.
- The profitable-day count resets after each reward.

Monthly100% Split

Effective 15 August 2026

This applies to Evaluation Accounts purchased
**on or after**
**15 August 2026**.

Request a Reward with a **100% split**
every
**30 calendar days** after the first
executed
trade on the Master Account. The consistency score
and profitable
days reset after each
successfully processed reward.

Eligibility Requirements

- A **35% consistency score** must
be
achieved: no single trading day can account for
more
than 35% of total profit. This resets after each
reward.

- At least **7 profitable days** to
qualify
for a reward, each with **0.5% or more**

profit of the starting Master Account Size. Profitable
days resets after each
reward.

- The account is placed under the
**Striking**
**System**,
at a
**1% of account size**
warning trigger, at every account size. This
is new for
2 Step Flex: the Striking System does not apply
on
either Bi-Weekly split.

How does the Striking System work?

The **Striking System** applies
when
the closed and floating loss on
one trade idea
reaches **1% of the Master Account size**.

All losses from a single trade idea
are counted together. A **trade idea**
can
be any of the following:

- One trade
- Multiple trades running together on the same
instrument
and in the same direction

- Two or more new trades opened within 10 minutes
of
closing a losing trade

Warnings are cumulative and do not reset between
Reward
cycles.

| Warning | What happens |
| --- | --- |
| **1st** | A warning is recorded |
| **2nd** | The reward split drops by half |
| **3rd** | The reward split drops to 20%. |
| **4th** | Account breach. The account is closed immediately. |

Profit Deduction

Any profit from trade ideas that received
a warning
is deducted
from the account.

Trading Conditions: Execution Parameters

Mechanics of the Master Account, including purchasing
power,
trade costs, and execution limits.

Temporary Update: Master Accounts Only

- Dynamic leverage has been applied to Metals, Energies,
and
Indices on Master Accounts. See the
**Important Information** section below.

## Commission

Standard accounts use the base commission structure.
Accounts with the Swap-Free Add-on pay higher
commission in exchange for no overnight swap fees.

Crypto Commission Formula

Lot size x crypto price x 0.04%. For example, 1 lot
of ETH/USD at $2,600 = **$1.04** commission.

| Instrument | Standard Account | Swing and Swap free accounts |
| --- | --- | --- |
| Forex | $5 per lot | $10 per lot |
| Metals | $5 per lot | $10 per lot |
| Energies / Indices | No commission | No commission |
| Crypto | 0.04% | 0.04% |

## Leverage

| Instrument | Standard Account | Swing and Swap free accounts |
| --- | --- | --- |
| Forex | 1:100 | 1:30 |
| Metals | 1:30 | 1:10 |
| Energies | 1:10 | 1:5 |
| Indices | 1:20 | 1:5 |
| Crypto | 1:2 | 1:1 |

Once Phase 2 is passed and the account moves to the Master
Account,
Crypto
leverage changes from 1:2 to 1:1, including on swap-free
accounts. This is a temporary change and is separate from
the
Dynamic Leverage below. During the evaluation phases, Crypto
leverage stays at 1:2.

## Important Information

We actively monitor market conditions and geopolitical
developments to ensure a safe and stable trading environment.
When volatility, liquidity, or overall risk levels change,
we may adjust trading conditions as needed. This can include
temporary changes to leverage and margin requirements. All
updates will be communicated to clients promptly by email.

## Leverage Update: Effective 16 March 2026 at 23:59 Server Time (UTC+3)

### Temporary Dynamic Leverage

Dynamic leverage is designed to give more trading
flexibility while maintaining responsible risk controls.
Instead of applying a single fixed leverage ratio to the
entire position, it uses a tiered structure where smaller
trade lot sizes benefit from higher leverage, and the ratio
gradually decreases as position size grows. The temporary
Dynamic Leverage is applied to Metals, Indices, and Energies
on Master Accounts.

### Dynamic Leverage Tiers

| Lot Size | Leverage |
| --- | --- |
| 0.00 - 0.05 lots | 1:50 |
| 0.05 - 0.10 lots | 1:30 |
| 0.10 - 0.15 lots | 1:25 |
| 0.15 - 0.25 lots | 1:20 |
| 0.25 - 0.50 lots | 1:10 |
| 0.50 and above lots | 1:5 |

Example

The first 0.05 lots of any position uses 1:50 leverage,
meaning only a small fraction of the trade's
full value is needed as margin. As the position grows
beyond
that,
each additional portion requires progressively more
margin
(stepping through 1:30, 1:25, 1:20, and 1:10) until
any
volume above 0.50 lots uses the base rate of 1:5.

The margin requirement is calculated cumulatively,
each
tier only applies to the portion of volume within
its
range, not the entire position. So, the lower tiers
always benefit the trade, no matter how large it
becomes.

## Instruments

41 instruments across 5 asset classes

Forex, Metals, Indices, Energies, and Crypto

EURUSDGBPUSDUSDJPYUSDCHFUSDCADAUDUSDNZDUSDAUDCADAUDCHFAUDJPYAUDNZDCADCHFCADJPYCHFJPYEURAUDEURCADEURCHFEURGBPEURJPYEURNZDGBPAUDGBPCADGBPCHFGBPJPYGBPNZDNZDCADNZDCHFNZDJPYXAUUSDXAGUSDDJI30FTSE100GER40JP225NDX100SPX500STX50UKOILUSOILBTCUSDETHUSD

FX Majors · 7FX Crosses · 21Metals · 2Indices & Energies · 9Crypto · 2

View full instrument list by category

| Category | Instruments |
| --- | --- |
| FX Majors7 | EURUSD, GBPUSD, USDJPY, USDCHF, USDCAD, AUDUSD, NZDUSD |
| FX Crosses21 | AUDCAD, AUDCHF, AUDJPY, AUDNZD, CADCHF, CADJPY, CHFJPY, EURAUD, EURCAD, EURCHF, EURGBP, EURJPY, EURNZD, GBPAUD, GBPCAD, GBPCHF, GBPJPY, GBPNZD, NZDCAD, NZDCHF, NZDJPY |
| Metals2 · spot | XAUUSD Gold (1 lot = 100 oz), XAGUSD Silver (1 lot = 5,000 oz) |
| Indices7 · cash | DJI30 (US Wall Street 30), FTSE100 (UK 100), GER40 (Germany 40), JP225 (Japan 225), NDX100 (US Tech 100), SPX500 (US SPX 500), STX50 (EU Stocks 50) |
| Energies2 · spot | UKOIL (Crude Oil Brent), USOIL (Crude Oil WTI) |
| Crypto2 | BTCUSD (Bitcoin vs USD), ETHUSD (Ethereum vs USD) |

Instrument specifics such as market hours,
contract
size, and swap rates are available in the
trading
platform.

## Lot Size Limit

20-Lot Max per Click / Trade

A hard 20-lot limit is enforced at the platform level
on every
single trade. This cannot be overridden regardless of
margin
or leverage allowance. For crypto specifically, a separate
1-lot limit per click applies and is the binding restriction.

## Frequently Asked Questions

Common questions about the topics covered on this page.

Evaluation to Master Phase

Is there a time limit to pass the evaluation?

No. There is no time limit on either phase. Any
pace
works, as long as at least
one trade is completed every 30 days to avoid
inactivity
and
all trading rules are followed throughout.

When will I receive my Phase 2 account after passing
Phase
1?

Once all Phase 1 objectives are finished, the
Phase 2 account will be ready! The new
login details appear on the dashboard under Credentials.

When will I receive my Master Account after passing
Phase
2?

After passing Phase 2, the Master Account is
issued once
the standard Master Account onboarding process
is complete.
This includes KYC verification, a review by the
Responsible
Trading Team (up to 2 working days), Customer
Agreement
signing, and connection to the risk management
framework
(a further 2 working days).

If my open trades are showing a profit above the
target,
have I passed?

No. To pass either phase, the profit
target must be reached with all open trades closed.
Profits
from trades
that are still open do not count, even if they
are showing
a gain above the target.

My account was closed for inactivity. Can I get an
Evaluation
Reset?

Yes. Resets are now available for inactivity
breaches,
with discounts based on the account phase. If
Phase
1, Phase 2, or Master Account is breached, a
Reset option
will appear on the dashboard within 7 calendar
days
of the breach. Phase 1 resets receive a 12% discount,
Phase 2 resets receive a 10% discount, and Master
Account
resets receive a 7% discount. All reset accounts
restart
at Evaluation Phase 1.

What happens if I breach during a phase? Can I reset?

Yes. If Phase 1 or Phase 2 is breached through
trading
behavior or a risk-limit violation, an Evaluation
Reset
appears automatically on the
dashboard,
available for 7 calendar days after the breach.
It restarts
the account at Phase 1, even if Phase 2 was breached,
and keeps
the same account number, account size
and trading platform. and Master
Account
resets receive a 7% discount. All reset accounts
restart
at Evaluation Phase 1.

Account Violations

If my account drops below the limit for just a moment
and
then recovers, is it still a violation?

Yes. The moment the account value touches or
drops below
the limit, even briefly, it is counted as a violation.
It does not matter if the account recovers right
after.

My trade hit the loss limit during the day but closed
in
profit. Is my account still violated?

Yes. The violation is confirmed the moment the
limit
is touched. Even if the trade turns around and
closes
in profit, the account remains violated because
the rule
was broken at some point during the trade.

What happens if I do not trade for a while?

If no trade is completed for 30 consecutive calendar
days, the account is closed for inactivity. At least
one fully closed trade within any 30-day window keeps
the account active.

What happens if I break one of the trading rules?

The account is immediately locked. Any open trades
are
closed automatically, and the account switches to
view-only
mode. The dashboard will show exactly which rule
was
broken and when, and an email notification is also
sent.

News & Weekend Holding

Does the news trading restriction apply to all order
types?

Yes. The news window restriction on the Master Account
applies to all order types. Opening or closing any
position
type within the restricted window on the affected
currency
will result in those profits not being counted.

Can I hold trades over the weekend?

Weekend holding is allowed during the Evaluation
phases but
is not allowed on Master Accounts by default. On
Master Accounts,
weekend holding can be enabled at the time of purchase
through
a 10% add-on.

If weekend holding is not enabled, any open trades
will be
automatically closed before the weekend. This will
not result
in a hard breach, but the trades will not count as
a valid
trading day.

Rewards

What counts as a profitable day?

A profitable day is a day whose profit is at least
0.5%
of the starting account size. Profitable days are
the
qualification path in each phase on the 95% split,
and
for a reward on the 95% split.

Can I change my reward split after I buy?

No. The 80% or 95% split is chosen at purchase, and
the
choice is locked for the life of the
account. Both cost the same.

When can I request my first reward?

On the 80% split, 14 calendar days after the first
executed
trade on the Master Account. On the 95% split, 3
profitable
days in the cycle are also
required. The minimum reward
request is 1% of the Master Account Size, including
FundingPips'
split.

My reward date has passed but I am not ready to request
yet.
Will I lose it?

No. Once the reward cycle is complete, it stays available
until requested. The request can be submitted
whenever ready.

Trading Conditions

How many lots can I open at once on crypto?

A maximum of 1 lot per click can be opened on crypto,
as long as the account has enough available margin.

## Related articles

- [2 Step Standard](https://help.fundingpips.com/hc/en-us/related/click?data=BAh7CjobZGVzdGluYXRpb25fYXJ0aWNsZV9pZGwrCBGEExRhHzoYcmVmZXJyZXJfYXJ0aWNsZV9pZGwrCJGq4X%2BBKzoLbG9jYWxlSSIKZW4tdXMGOgZFVDoIdXJsSSI2L2hjL2VuLXVzL2FydGljbGVzLzM0NTAxODA5MTEyMDgxLTItU3RlcC1TdGFuZGFyZAY7CFQ6CXJhbmtpBg%3D%3D--7b7bb73a623de32ab4d6bf695b4d8e60d898722d)
- [2 Step Pro Model](https://help.fundingpips.com/hc/en-us/related/click?data=BAh7CjobZGVzdGluYXRpb25fYXJ0aWNsZV9pZGwrCJF4FSFhHzoYcmVmZXJyZXJfYXJ0aWNsZV9pZGwrCJGq4X%2BBKzoLbG9jYWxlSSIKZW4tdXMGOgZFVDoIdXJsSSI3L2hjL2VuLXVzL2FydGljbGVzLzM0NTAyMDI3MzQ0MDE3LTItU3RlcC1Qcm8tTW9kZWwGOwhUOglyYW5raQc%3D--ed04739e2d15382d6e15715f0f01ada9e12078ab)
- [Get Started](https://help.fundingpips.com/hc/en-us/related/click?data=BAh7CjobZGVzdGluYXRpb25fYXJ0aWNsZV9pZGwrCBHAvIVfKDoYcmVmZXJyZXJfYXJ0aWNsZV9pZGwrCJGq4X%2BBKzoLbG9jYWxlSSIKZW4tdXMGOgZFVDoIdXJsSSIyL2hjL2VuLXVzL2FydGljbGVzLzQ0MzkwNzMwNzQzODI1LUdldC1TdGFydGVkBjsIVDoJcmFua2kI--61fd2b25dfbb9b3cd867ca109498f5bc1215dcfe)
- [FundingPips Zero](https://help.fundingpips.com/hc/en-us/related/click?data=BAh7CjobZGVzdGluYXRpb25fYXJ0aWNsZV9pZGwrCJF32ihhHzoYcmVmZXJyZXJfYXJ0aWNsZV9pZGwrCJGq4X%2BBKzoLbG9jYWxlSSIKZW4tdXMGOgZFVDoIdXJsSSI3L2hjL2VuLXVzL2FydGljbGVzLzM0NTAyMTU3Njk0ODY1LUZ1bmRpbmdQaXBzLVplcm8GOwhUOglyYW5raQk%3D--f733bfd965c021ad92fb182504991fbf05afadd1)
- [1K Instant Giveaway](https://help.fundingpips.com/hc/en-us/related/click?data=BAh7CjobZGVzdGluYXRpb25fYXJ0aWNsZV9pZGwrCJEjR6GQKjoYcmVmZXJyZXJfYXJ0aWNsZV9pZGwrCJGq4X%2BBKzoLbG9jYWxlSSIKZW4tdXMGOgZFVDoIdXJsSSI6L2hjL2VuLXVzL2FydGljbGVzLzQ2ODAwNjY5NDUxMTUzLTFLLUluc3RhbnQtR2l2ZWF3YXkGOwhUOglyYW5raQo%3D--5c61f9d214ce005843b4eb3c23d7c5fa578f40d8)

Support

## Still Need Help?

Let’s chat

Live Chat

Online now

Chat with us

Our community

Discord

Ask 230,000+ traders

[Open Discord](https://discord.com/invite/fundingpips)

Send us a message

Available 24/7

[Send an email](mailto:[email protected])

[View all results →](https://help.fundingpips.com/hc/en-us/articles/47835196271249-2-Step-Flex#)

**Search the Help Center** Type to instantly search articles, guides, and policies.

Searching…

**No results found** Try different keywords.

SHA-256 2e6a2c6266931a22ca08b69a9eabec852cb52616ded7e4b33788b359cbe81050

Version 1810/8/2026, 4:32:51 AM

2 Step Flex Model

Two phases. Two ways to earn.

- **2-phase evaluation**: Phase 1 (10%) + Phase 2
(8%) with an 80% split with 1 minimum trading day, or a 95%
split with 3 profitable days (≥ 0.5% each).

- **Flexible, bi-weekly rewards**: Choose the reward
split! Get an 80% split with 1 minimum trading day, or 95%
on 3 profitable days.

- **1:100 Forex leverage**: The highest standard
Forex leverage available across all models.

- **Generous loss limits**: Trade comfortably with
a 4% daily and 12% maximum loss limit.

- **Overnight & Weekend Holding**: always allowed
on Evals. Allowed on Master with Swing Add-on.

- **Account sizes**: $5K, $10K, $25K, $50K, and $100K.

Evaluation to MasterAccount ViolationsNews & Weekend HoldingRewardsCommission & Leverage

Tests trading skills and builds a trading profile.

Phase 1

- Achieve a **10% profit target** during
Phase 1.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 1 accounts and accounts purchased before 26 August
2026 will retain the 0 minimum trading day requirement for the
80% split. Reset and new accounts will require 1 minimum trading
day.

Confirms consistency and validates Phase 1 performance.

Phase 2

- Achieve a **8% profit target** during
Phase 2.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 2 accounts will retain the 0 minimum trading day
requirement for the
80% split. Reset and new accounts purchased on or after 26 August
2026
will require 1 minimum trading.
day.

Account Reset

- **Phase 1 Reset:** 12% OFF

- **Phase 2 Reset:** 10% OFF

- **Master Account Reset:** 7% OFF

- Available only within **7 calendar days**
of the breach

- Keeps the same **account size**
- Keeps the same **trading platform**
- If a Phase 2 or Master Account is reset, it restarts
from Phase 1

The reset option will appear automatically on the dashboard
once the account qualifies.

## The Master Account

Evaluation Complete

Account Violations: Hard Breach

Hard breaches are serious violations of established rules.
Committing a hard breach results in immediate account closure
with no grace period.

## Hard Breaches

Hard Breach: Immediate Account Closure

Immediate account termination with no grace period. Click any card
to learn more.

Max Loss Limit

12%

Equity or balance cannot hit 12% below the starting
account size at any time.

How is it calculated? ↓

Daily Loss Limit

Max daily loss from the higher of opening balance or equity.

How is it calculated? ↓

Inactivity

30 days

Account breached if no completed trades within 30 consecutive
days.

What counts as activity? ↓

How is the Max Loss Limit calculated?

**Max Loss Limit: 12%** of the starting
account size.

This is a static floor; it never moves. Equity or
balance cannot touch this level at any point across both
phases and the Master Account, including floating losses
from open trades.

* * *

Worked example

Account size: **$100K**

12% of $100K = $12K. Equity or balance
cannot drop to **$88K**
at any point.

How is the Daily Loss Limit calculated?

**Daily Loss Limit: 4%** of the higher value
between the opening balance or opening equity for that
day.

* * *

When equity is the higher value

Opening balance: **$105K** / Opening
equity: **$107K**

Baseline = $107K (equity is higher)

4% of $107K = $4,280. Equity cannot drop
to **$102,720**
that day.

When balance is the higher value

Opening balance: **$100K** / Opening
equity: **$99K**

Baseline = $100K (balance is higher)

4% of $100K = $4K. Equity cannot drop
to **$96K** that
day.

Important

Both floating P&L and closed positions count
toward the daily loss.
The limit resets at **00:00 Platform Time (UTC+3)**.
Check the countdown timer on the FundingPips dashboard.

What counts as activity?

* * *

When the inactivity clock starts

- **No trades placed yet:** the clock
starts from the account creation date.

- **Previously traded:** the clock
starts the day after the last trade was fully
closed.

Open trades do not count

A trade only counts as activity once it is fully
closed. Leaving a trade open does not reset or pause
the inactivity timer.

## News & Speeches Trading

We use the
**Economic Calendar on the FundingPips dashboard**
as our official news source, which features the News and Speeches
.

Trading during high-impact news and speeches is subject to
specific restrictions depending on account phase.

Important

Purposely trading during news and speeches in both the Evaluation
and
Master phases is prohibited and will result in account closure.

Evaluation Phase

There are
**no news trading restrictions during the Evaluation phase**.
Trades can be held and managed during news and speech.

Master Account

Soft Breach

These rules do not result in account closure, but affected
profits
will be deducted.

Trades can be held during news and speeches on the Master
Account, however specific rules apply to
**trades opened**
**or closed near high-impact news events**.

* * *

The restricted window

Restricted
**News**;
the window runs from
**5 minutes before or 5 minutes**
**after**
**high-impact news**
.

Restricted
**Speeches**;
the window
spans from
**10 minutes before the high-impact speech begins until 10**
**minutes after**
it concludes.

Profit Deduction

Profits made from trades opened or closed
within the restricted window around any high-impact
news and speeches on the affected currency may be
deducted.

Swing trader exception: the 5-hour rule

Trades opened **5 hours or more before**
a high-impact event or speech are excluded from the
restriction and can be closed within the restricted
window. Profits from these trades will count.

Examples

- **Related currency:** if news
affects USD, trades cannot be opened or closed
on any USD-related pairs within the 10-minute
window.

- **Trade opened 30 minutes before the event:**
closing it within the window will result
in those profits not being counted.

Trading Rule Clarification

- **Trades opened more than 5 hours before the news:**
profits will count if closed within the 10-minute
window.

- **Trades opened less than 5 hours before the news:**
profits will not count if closed during the 10-minute
window.

- Closing any partial orders will affect the entire
order, leading to a news trading flag.

- Traders are responsible for violations if deductions
exceed the daily or max loss limit.

## Overnight & Weekend Holding

**Evaluation**

Overnight & Weekend holding are allowed during
**evaluation phases** for all instruments on
2 Step Flex.

**Master**

On the **Master Account**,
holding trades overnight and over the weekend is
**not allowed** on 2 Step Flex Master
Accounts. All open trades will be automatically closed by
the system unless you have the **Swing add-on**.

Trades closed by the system for Overnight & Weekend holding
will not result in an account breach; however, it will not
count as a valid trading day.

**Auto-close window for Master Accounts**

Open positions on 2 Step Flex Master Accounts are closed
by the system each day within a 15-minute window:

• Summer time (from the first Sunday of March): 20:45
– 21:00
UTC

• Winter time (from the first Sunday of November): 21:45
– 22:00 UTC

Closing starts at the beginning of the window, and any
position
still open at the end of it will be closed. Overnight
and
weekend holding on Master Accounts can be enabled at
the
time of purchase through an
**Add-on**.

**Impact of Weekend trades on consistency score**

Profits from these trades will still be added to the account
balance while the biggest winning day and biggest losing
day
will be included in the consistency score calculation.

## Swap-Free Add-On

Available at purchase for traders observing Islamic finance
principles.
Removes overnight swap charges on eligible instruments.

During purchase, traders can select the Swap-Free add-on
to hold positions overnight without incurring swap (interest)
fees.

MT5, cTradeer & Match-Trader

This add-on is available on all three platforms.

- Applies to **Forex and Metals** only.

- Energies, Indices, and Crypto still incur standard
swap charges even with the add-on active.

Rewards: Minimum Amount

The minimum reward request is
**1% of the Master Account Size** (including
FundingPips'
split). Transfers are subject to exchange rates and transaction
fees.

## Reward Cycle

Bi-Weekly, 80%

80%

Every 14 calendar days, no other requirement.

How does this work? ↓

Bi-Weekly, 95%

95%

Every 14 calendar days, plus 3 profitable days per cycle.

How does this work? ↓

Monthly, 100%

100%

Every 30 calendar days, plus eligibility conditions.

How does this work? ↓

Bi-Weekly80% Split

Bi-Weekly95% Split

How It Works

- The 14-day timer alone is not enough on the 95% split.
- 3 profitable days are needed within the cycle to qualify.
- The profitable-day count resets after each reward.

Monthly100% Split

Effective 15 August 2026

This applies to Evaluation Accounts purchased
**on or after**
**15 August 2026**.

Eligibility Requirements

- A **35% consistency score** must
be
achieved: no single trading day can account for
more
than 35% of total profit. This resets after each
reward.

- At least **7 profitable days** to
qualify
for a reward, each with **0.5% or more**

profit of the starting Master Account Size. Profitable
days resets after each
reward.

How does the Striking System work?

The **Striking System** applies
when
the closed and floating loss on
one trade idea
reaches **1% of the Master Account size**.

All losses from a single trade idea
are counted together. A **trade idea**
can
be any of the following:

- One trade
- Multiple trades running together on the same
instrument
and in the same direction

- Two or more new trades opened within 10 minutes
of
closing a losing trade

Warnings are cumulative and do not reset between
Reward
cycles.

Profit Deduction

Any profit from trade ideas that received
a warning
is deducted
from the account.

Trading Conditions: Execution Parameters

Mechanics of the Master Account, including purchasing
power,
trade costs, and execution limits.

Temporary Update: Master Accounts Only

- Dynamic leverage has been applied to Metals, Energies,
and
Indices on Master Accounts. See the
**Important Information** section below.

## Commission

Standard accounts use the base commission structure.
Accounts with the Swap-Free Add-on pay higher
commission in exchange for no overnight swap fees.

Crypto Commission Formula

Lot size x crypto price x 0.04%. For example, 1 lot
of ETH/USD at $2,600 = **$1.04** commission.

## Leverage

## Important Information

## Leverage Update: Effective 16 March 2026 at 23:59 Server Time (UTC+3)

### Temporary Dynamic Leverage

### Dynamic Leverage Tiers

Example

## Instruments

41 instruments across 5 asset classes

Forex, Metals, Indices, Energies, and Crypto

FX Majors · 7FX Crosses · 21Metals · 2Indices & Energies · 9Crypto · 2

View full instrument list by category

Instrument specifics such as market hours,
contract
size, and swap rates are available in the
trading
platform.

## Lot Size Limit

20-Lot Max per Click / Trade

## Frequently Asked Questions

Common questions about the topics covered on this page.

Evaluation to Master Phase

Is there a time limit to pass the evaluation?

No. There is no time limit on either phase. Any
pace
works, as long as at least
one trade is completed every 30 days to avoid
inactivity
and
all trading rules are followed throughout.

When will I receive my Phase 2 account after passing
Phase
1?

Once all Phase 1 objectives are finished, the
Phase 2 account will be ready! The new
login details appear on the dashboard under Credentials.

When will I receive my Master Account after passing
Phase
2?

If my open trades are showing a profit above the
target,
have I passed?

No. To pass either phase, the profit
target must be reached with all open trades closed.
Profits
from trades
that are still open do not count, even if they
are showing
a gain above the target.

My account was closed for inactivity. Can I get an
Evaluation
Reset?

What happens if I breach during a phase? Can I reset?

Account Violations

If my account drops below the limit for just a moment
and
then recovers, is it still a violation?

Yes. The moment the account value touches or
drops below
the limit, even briefly, it is counted as a violation.
It does not matter if the account recovers right
after.

My trade hit the loss limit during the day but closed
in
profit. Is my account still violated?

What happens if I do not trade for a while?

If no trade is completed for 30 consecutive calendar
days, the account is closed for inactivity. At least
one fully closed trade within any 30-day window keeps
the account active.

What happens if I break one of the trading rules?

News & Weekend Holding

Does the news trading restriction apply to all order
types?

Can I hold trades over the weekend?

If weekend holding is not enabled, any open trades
will be
automatically closed before the weekend. This will
not result
in a hard breach, but the trades will not count as
a valid
trading day.

Rewards

What counts as a profitable day?

A profitable day is a day whose profit is at least
0.5%
of the starting account size. Profitable days are
the
qualification path in each phase on the 95% split,
and
for a reward on the 95% split.

Can I change my reward split after I buy?

No. The 80% or 95% split is chosen at purchase, and
the
choice is locked for the life of the
account. Both cost the same.

When can I request my first reward?

My reward date has passed but I am not ready to request
yet.
Will I lose it?

No. Once the reward cycle is complete, it stays available
until requested. The request can be submitted
whenever ready.

Trading Conditions

How many lots can I open at once on crypto?

A maximum of 1 lot per click can be opened on crypto,
as long as the account has enough available margin.

## Related articles

Support

## Still Need Help?

Let’s chat

Live Chat

Online now

Chat with us

Our community

Discord

Ask 230,000+ traders

[Open Discord](https://discord.com/invite/fundingpips)

Send us a message

Available 24/7

[Send an email](mailto:[email protected])

[View all results →](https://help.fundingpips.com/hc/en-us/articles/47835196271249-2-Step-Flex#)

**Search the Help Center** Type to instantly search articles, guides, and policies.

Searching…

**No results found** Try different keywords.

SHA-256 ddf5f2d1fba31e7b5654564d22415977844275cb333b168930bd28ab7f12f3b4

Version 1710/6/2026, 4:33:17 AM

2 Step Flex Model

Two phases. Two ways to earn.

- **2-phase evaluation**: Phase 1 (10%) + Phase 2
(8%) with an 80% split with 1 minimum trading day, or a 95%
split with 3 profitable days (≥ 0.5% each).

- **Flexible, bi-weekly rewards**: Choose the reward
split! Get an 80% split with 1 minimum trading day, or 95%
on 3 profitable days.

- **1:100 Forex leverage**: The highest standard
Forex leverage available across all models.

- **Generous loss limits**: Trade comfortably with
a 4% daily and 12% maximum loss limit.

- **Overnight & Weekend Holding**: always allowed
on Evals. Allowed on Master with Swing Add-on.

- **Account sizes**: $5K, $10K, $25K, $50K, and $100K.

Evaluation to MasterAccount ViolationsNews & Weekend HoldingRewardsCommission & Leverage

Tests trading skills and builds a trading profile.

Phase 1

- Achieve a **10% profit target** during
Phase 1.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 1 accounts and accounts purchased before 26 August
2026 will retain the 0 minimum trading day requirement for the
80% split. Reset and new accounts will require 1 minimum trading
day.

Confirms consistency and validates Phase 1 performance.

Phase 2

- Achieve a **8% profit target** during
Phase 2.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 2 accounts will retain the 0 minimum trading day
requirement for the
80% split. Reset and new accounts purchased on or after 26 August
2026
will require 1 minimum trading.
day.

Account Reset

- **Phase 1 Reset:**differs by account size
- $50K and below: **20% off**
- For $100K: **15% off**
- **Phase 2 Reset:** 12% off the purchase
price

- **Master Account Reset:** 8% off the purchase
price

- Available only within **7 calendar days**
of the breach

- Keeps the same **account size**
- Keeps the same **trading platform**
- If a Phase 2 or Master Account is reset, it restarts
from Phase 1

The reset option will appear automatically on the dashboard
once the account qualifies.

## The Master Account

Evaluation Complete

Account Violations: Hard Breach

Hard breaches are serious violations of established rules.
Committing a hard breach results in immediate account closure
with no grace period.

## Hard Breaches

Hard Breach: Immediate Account Closure

Immediate account termination with no grace period. Click any card
to learn more.

Max Loss Limit

12%

Equity or balance cannot hit 12% below the starting
account size at any time.

How is it calculated? ↓

Daily Loss Limit

Max daily loss from the higher of opening balance or equity.

How is it calculated? ↓

Inactivity

30 days

Account breached if no completed trades within 30 consecutive
days.

What counts as activity? ↓

How is the Max Loss Limit calculated?

**Max Loss Limit: 12%** of the starting
account size.

This is a static floor; it never moves. Equity or
balance cannot touch this level at any point across both
phases and the Master Account, including floating losses
from open trades.

* * *

Worked example

Account size: **$100K**

12% of $100K = $12K. Equity or balance
cannot drop to **$88K**
at any point.

How is the Daily Loss Limit calculated?

**Daily Loss Limit: 4%** of the higher value
between the opening balance or opening equity for that
day.

* * *

When equity is the higher value

Opening balance: **$105K** / Opening
equity: **$107K**

Baseline = $107K (equity is higher)

4% of $107K = $4,280. Equity cannot drop
to **$102,720**
that day.

When balance is the higher value

Opening balance: **$100K** / Opening
equity: **$99K**

Baseline = $100K (balance is higher)

4% of $100K = $4K. Equity cannot drop
to **$96K** that
day.

Important

Both floating P&L and closed positions count
toward the daily loss.
The limit resets at **00:00 Platform Time (UTC+3)**.
Check the countdown timer on the FundingPips dashboard.

What counts as activity?

* * *

When the inactivity clock starts

- **No trades placed yet:** the clock
starts from the account creation date.

- **Previously traded:** the clock
starts the day after the last trade was fully
closed.

Open trades do not count

A trade only counts as activity once it is fully
closed. Leaving a trade open does not reset or pause
the inactivity timer.

## News & Speeches Trading

We use the
**Economic Calendar on the FundingPips dashboard**
as our official news source, which features the News and Speeches
.

Trading during high-impact news and speeches is subject to
specific restrictions depending on account phase.

Important

Purposely trading during news and speeches in both the Evaluation
and
Master phases is prohibited and will result in account closure.

Evaluation Phase

There are
**no news trading restrictions during the Evaluation phase**.
Trades can be held and managed during news and speech.

Master Account

Soft Breach

These rules do not result in account closure, but affected
profits
will be deducted.

Trades can be held during news and speeches on the Master
Account, however specific rules apply to
**trades opened**
**or closed near high-impact news events**.

* * *

The restricted window

Restricted
**News**;
the window runs from
**5 minutes before or 5 minutes**
**after**
**high-impact news**
.

Restricted
**Speeches**;
the window
spans from
**10 minutes before the high-impact speech begins until 10**
**minutes after**
it concludes.

Profit Deduction

Profits made from trades opened or closed
within the restricted window around any high-impact
news and speeches on the affected currency may be
deducted.

Swing trader exception: the 5-hour rule

Trades opened **5 hours or more before**
a high-impact event or speech are excluded from the
restriction and can be closed within the restricted
window. Profits from these trades will count.

Examples

- **Related currency:** if news
affects USD, trades cannot be opened or closed
on any USD-related pairs within the 10-minute
window.

- **Trade opened 30 minutes before the event:**
closing it within the window will result
in those profits not being counted.

Trading Rule Clarification

- **Trades opened more than 5 hours before the news:**
profits will count if closed within the 10-minute
window.

- **Trades opened less than 5 hours before the news:**
profits will not count if closed during the 10-minute
window.

- Closing any partial orders will affect the entire
order, leading to a news trading flag.

- Traders are responsible for violations if deductions
exceed the daily or max loss limit.

## Overnight & Weekend Holding

**Evaluation**

Overnight & Weekend holding are allowed during
**evaluation phases** for all instruments on
2 Step Flex.

**Master**

On the **Master Account**,
holding trades overnight and over the weekend is
**not allowed** on 2 Step Flex Master
Accounts. All open trades will be automatically closed by
the system unless you have the **Swing add-on**.

Trades closed by the system for Overnight & Weekend holding
will not result in an account breach; however, it will not
count as a valid trading day.

**Auto-close window for Master Accounts**

Open positions on 2 Step Flex Master Accounts are closed
by the system each day within a 15-minute window:

• Summer time (from the first Sunday of March): 20:45
– 21:00
UTC

• Winter time (from the first Sunday of November): 21:45
– 22:00 UTC

**Impact of Weekend trades on consistency score**

Profits from these trades will still be added to the account
balance while the biggest winning day and biggest losing
day
will be included in the consistency score calculation.

## Swap-Free Add-On

Available at purchase for traders observing Islamic finance
principles.
Removes overnight swap charges on eligible instruments.

During purchase, traders can select the Swap-Free add-on
to hold positions overnight without incurring swap (interest)
fees.

MT5, cTradeer & Match-Trader

This add-on is available on all three platforms.

- Applies to **Forex and Metals** only.

- Energies, Indices, and Crypto still incur standard
swap charges even with the add-on active.

Rewards: Minimum Amount

The minimum reward request is
**1% of the Master Account Size** (including
FundingPips'
split). Transfers are subject to exchange rates and transaction
fees.

## Reward Cycle

Bi-Weekly, 80%

80%

Every 14 calendar days, no other requirement.

How does this work? ↓

Bi-Weekly, 95%

95%

Every 14 calendar days, plus 3 profitable days per cycle.

How does this work? ↓

Monthly, 100%

100%

Every 30 calendar days, plus eligibility conditions.

How does this work? ↓

Bi-Weekly80% Split

Bi-Weekly95% Split

How It Works

- The 14-day timer alone is not enough on the 95% split.
- 3 profitable days are needed within the cycle to qualify.
- The profitable-day count resets after each reward.

Monthly100% Split

Effective 15 August 2026

This applies to Evaluation Accounts purchased
**on or after**
**15 August 2026**.

Eligibility Requirements

- A **35% consistency score** must
be
achieved: no single trading day can account for
more
than 35% of total profit. This resets after each
reward.

- At least **7 profitable days** to
qualify
for a reward, each with **0.5% or more**

profit of the starting Master Account Size. Profitable
days resets after each
reward.

How does the Striking System work?

The **Striking System** applies
when
the closed and floating loss on
one trade idea
reaches **1% of the Master Account size**.

All losses from a single trade idea
are counted together. A **trade idea**
can
be any of the following:

- One trade
- Multiple trades running together on the same
instrument
and in the same direction

- Two or more new trades opened within 10 minutes
of
closing a losing trade

Warnings are cumulative and do not reset between
Reward
cycles.

Profit Deduction

Any profit from trade ideas that received
a warning
is deducted
from the account.

Trading Conditions: Execution Parameters

Mechanics of the Master Account, including purchasing
power,
trade costs, and execution limits.

Temporary Update: Master Accounts Only

- Dynamic leverage has been applied to Metals, Energies,
and
Indices on Master Accounts. See the
**Important Information** section below.

## Commission

Standard accounts use the base commission structure.
Accounts with the Swap-Free Add-on pay higher
commission in exchange for no overnight swap fees.

Crypto Commission Formula

Lot size x crypto price x 0.04%. For example, 1 lot
of ETH/USD at $2,600 = **$1.04** commission.

## Leverage

## Important Information

## Leverage Update: Effective 16 March 2026 at 23:59 Server Time (UTC+3)

### Temporary Dynamic Leverage

### Dynamic Leverage Tiers

Example

## Instruments

41 instruments across 5 asset classes

Forex, Metals, Indices, Energies, and Crypto

FX Majors · 7FX Crosses · 21Metals · 2Indices & Energies · 9Crypto · 2

View full instrument list by category

Instrument specifics such as market hours,
contract
size, and swap rates are available in the
trading
platform.

## Lot Size Limit

20-Lot Max per Click / Trade

## Frequently Asked Questions

Common questions about the topics covered on this page.

Evaluation to Master Phase

Is there a time limit to pass the evaluation?

No. There is no time limit on either phase. Any
pace
works, as long as at least
one trade is completed every 30 days to avoid
inactivity
and
all trading rules are followed throughout.

When will I receive my Phase 2 account after passing
Phase
1?

Once all Phase 1 objectives are finished, the
Phase 2 account will be ready! The new
login details appear on the dashboard under Credentials.

When will I receive my Master Account after passing
Phase
2?

If my open trades are showing a profit above the
target,
have I passed?

No. To pass either phase, the profit
target must be reached with all open trades closed.
Profits
from trades
that are still open do not count, even if they
are showing
a gain above the target.

My account was closed for inactivity. Can I get an
Evaluation
Reset?

Yes. Resets are now available for inactivity
breaches,
with discounts based on the account phase. If
Phase
1, Phase 2, or Master Account is breached, a
Reset option
will appear on the dashboard within 7 calendar
days
of the breach. Phase 1 resets receive a 8% discount,
Phase 2 resets receive a 8% discount, and Master
Account
resets receive a 7% discount. All reset accounts
restart
at Evaluation Phase 1.

What happens if I breach during a phase? Can I reset?

Yes. If Phase 1 or Phase 2 is breached through
trading
behavior or a risk-limit violation, an Evaluation
Reset
at a 8% discount appears automatically on the
dashboard,
available for 7 calendar days after the breach.
It restarts
the account at Phase 1, even if Phase 2 was breached,
and keeps
the same account number, account size
and trading platform. It does not apply to a
breached
Master Account or to an account closed for inactivity.

Account Violations

If my account drops below the limit for just a moment
and
then recovers, is it still a violation?

Yes. The moment the account value touches or
drops below
the limit, even briefly, it is counted as a violation.
It does not matter if the account recovers right
after.

My trade hit the loss limit during the day but closed
in
profit. Is my account still violated?

What happens if I do not trade for a while?

If no trade is completed for 30 consecutive calendar
days, the account is closed for inactivity. At least
one fully closed trade within any 30-day window keeps
the account active.

What happens if I break one of the trading rules?

News & Weekend Holding

Does the news trading restriction apply to all order
types?

Can I hold trades over the weekend?

If weekend holding is not enabled, any open trades
will be
automatically closed before the weekend. This will
not result
in a hard breach, but the trades will not count as
a valid
trading day.

Rewards

What counts as a profitable day?

A profitable day is a day whose profit is at least
0.5%
of the starting account size. Profitable days are
the
qualification path in each phase on the 95% split,
and
for a reward on the 95% split.

Can I change my reward split after I buy?

No. The 80% or 95% split is chosen at purchase, and
the
choice is locked for the life of the
account. Both cost the same.

When can I request my first reward?

My reward date has passed but I am not ready to request
yet.
Will I lose it?

No. Once the reward cycle is complete, it stays available
until requested. The request can be submitted
whenever ready.

Trading Conditions

How many lots can I open at once on crypto?

A maximum of 1 lot per click can be opened on crypto,
as long as the account has enough available margin.

## Related articles

Support

## Still Need Help?

Let’s chat

Live Chat

Online now

Chat with us

Our community

Discord

Ask 230,000+ traders

[Open Discord](https://discord.com/invite/fundingpips)

Send us a message

Available 24/7

[Send an email](mailto:[email protected])

[View all results →](https://help.fundingpips.com/hc/en-us/articles/47835196271249-2-Step-Flex#)

**Search the Help Center** Type to instantly search articles, guides, and policies.

Searching…

**No results found** Try different keywords.

SHA-256 780bb3ae3034e1263e60029b17ca2d337f65d3cf7004ce2caa0fb4b84b6ad821

Version 1610/2/2026, 4:41:07 AM

2 Step Flex Model

Two phases. Two ways to earn.

- **2-phase evaluation**: Phase 1 (10%) + Phase 2
(8%) with an 80% split with 1 minimum trading day, or a 95%
split with 3 profitable days (≥ 0.5% each).

- **Flexible, bi-weekly rewards**: Choose the reward
split! Get an 80% split with 1 minimum trading day, or 95%
on 3 profitable days.

- **1:100 Forex leverage**: The highest standard
Forex leverage available across all models.

- **Generous loss limits**: Trade comfortably with
a 4% daily and 12% maximum loss limit.

- **Overnight & Weekend Holding**: always allowed
on Evals. Allowed on Master with Swing Add-on.

- **Account sizes**: $5K, $10K, $25K, $50K, and $100K.

Evaluation to MasterAccount ViolationsNews & Weekend HoldingRewardsCommission & Leverage

Tests trading skills and builds a trading profile.

Phase 1

- Achieve a **10% profit target** during
Phase 1.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 1 accounts and accounts purchased before 26 August
2026 will retain the 0 minimum trading day requirement for the
80% split. Reset and new accounts will require 1 minimum trading
day.

Confirms consistency and validates Phase 1 performance.

Phase 2

- Achieve a **8% profit target** during
Phase 2.

- **1 minimum trading day** on the 80%
split, or
**3 profitable days** on the 95% split.

- Adhere to all trading rules and risk limits.

Existing Phase 2 accounts will retain the 0 minimum trading day
requirement for the
80% split. Reset and new accounts purchased on or after 26 August
2026
will require 1 minimum trading.
day.

Account Reset

- **Phase 1 Reset:**differs by account size
- $50K and below: **20% off**
- For $100K: **15% off**
- **Phase 2 Reset:** 12% off the purchase
price

- **Master Account Reset:** 8% off the purchase
price

- Available only within **7 calendar days**
of the breach

- Keeps the same **account size**
- Keeps the same **trading platform**
- If a Phase 2 or Master Account is reset, it restarts
from Phase 1

The reset option will appear automatically on the dashboard
once the account qualifies.

## The Master Account

Evaluation Complete

Account Violations: Hard Breach

Hard breaches are serious violations of established rules.
Committing a hard breach results in immediate account closure
with no grace period.

## Hard Breaches

Hard Breach: Immediate Account Closure

Immediate account termination with no grace period. Click any card
to learn more.

Max Loss Limit

12%

Equity or balance cannot hit 12% below the starting
account size at any time.

How is it calculated? ↓

Daily Loss Limit

Max daily loss from the higher of opening balance or equity.

How is it calculated? ↓

Inactivity

30 days

Account breached if no completed trades within 30 consecutive
days.

What counts as activity? ↓

How is the Max Loss Limit calculated?

**Max Loss Limit: 12%** of the starting
account size.

This is a static floor; it never moves. Equity or
balance cannot touch this level at any point across both
phases and the Master Account, including floating losses
from open trades.

* * *

Worked example

Account size: **$100K**

12% of $100K = $12K. Equity or balance
cannot drop to **$88K**
at any point.

How is the Daily Loss Limit calculated?

**Daily Loss Limit: 4%** of the higher value
between the opening balance or opening equity for that
day.

* * *

When equity is the higher value

Opening balance: **$105K** / Opening
equity: **$107K**

Baseline = $107K (equity is higher)

4% of $107K = $4,280. Equity cannot drop
to **$102,720**
that day.

When balance is the higher value

Opening balance: **$100K** / Opening
equity: **$99K**

Baseline = $100K (balance is higher)

4% of $100K = $4K. Equity cannot drop
to **$96K** that
day.

Important

Both floating P&L and closed positions count
toward the daily loss.
The limit resets at **00:00 Platform Time (UTC+3)**.
Check the countdown timer on the FundingPips dashboard.

What counts as activity?

* * *

When the inactivity clock starts

- **No trades placed yet:** the clock
starts from the account creation date.

- **Previously traded:** the clock
starts the day after the last trade was fully
closed.

Open trades do not count

A trade only counts as activity once it is fully
closed. Leaving a trade open does not reset or pause
the inactivity timer.

## News & Speeches Trading

We use the
**Economic Calendar on the FundingPips dashboard**
as our official news source, which features the News and Speeches
.

Trading during high-impact news and speeches is subject to
specific restrictions depending on account phase.

Important

Purposely trading during news and speeches in both the Evaluation
and
Master phases is prohibited and will result in account closure.

Evaluation Phase

There are
**no news trading restrictions during the Evaluation phase**.
Trades can be held and managed during news and speech.

Master Account

Soft Breach

These rules do not result in account closure, but affected
profits
will be deducted.

Trades can be held during news and speeches on the Master
Account, however specific rules apply to
**trades opened**
**or closed near high-impact news events**.

* * *

The restricted window

Restricted
**News**;
the window runs from
**5 minutes before or 5 minutes**
**after**
**high-impact news**
.

Restricted
**Speeches**;
the window
spans from
**10 minutes before the high-impact speech begins until 10**
**minutes after**
it concludes.

Profit Deduction

Profits made from trades opened or closed
within the restricted window around any high-impact
news and speeches on the affected currency may be
deducted.

Swing trader exception: the 5-hour rule

Trades opened **5 hours or more before**
a high-impact event or speech are excluded from the
restriction and can be closed within the restricted
window. Profits from these trades will count.

Examples

- **Related currency:** if news
affects USD, trades cannot be opened or closed
on any USD-related pairs within the 10-minute
window.

- **Trade opened 30 minutes before the event:**
closing it within the window will result
in those profits not being counted.

Trading Rule Clarification

- **Trades opened more than 5 hours before the news:**
profits will count if closed within the 10-minute
window.

- **Trades opened less than 5 hours before the news:**
profits will not count if closed during the 10-minute
window.

- Closing any partial orders will affect the entire
order, leading to a news trading flag.

- Traders are responsible for violations if deductions
exceed the daily or max loss limit.

## Overnight & Weekend Holding

**Evaluation**

Overnight & Weekend holding are allowed during
**evaluation phases** for all instruments on
2 Step Flex.

**Master**

On the **Master Account**,
holding trades overnight and over the weekend is
**not allowed** on 2 Step Flex Master
Accounts. All open trades will be automatically closed by
the system unless you have the **Swing add-on**.

Trades closed by the system for Overnight & Weekend holding
will not result in an account breach; however, it will not
count as a valid trading day.

**Auto-close window for Master Accounts**

Open positions on 2 Step Flex Master Accounts are closed
by the system each day within a 15-minute window:

• Summer time (from the first Sunday of March): 20:45
– 21:00
UTC

• Winter time (from the first Sunday of November): 21:45
– 22:00 UTC

**Impact of Weekend trades on consistency score**

Profits from these trades will still be added to the account
balance while the biggest winning day and biggest losing
day
will be included in the consistency score calculation.

## Swap-Free Add-On

Available at purchase for traders observing Islamic finance
principles.
Removes overnight swap charges on eligible instruments.

During purchase, traders can select the Swap-Free add-on
to hold positions overnight without incurring swap (interest)
fees.

MT5, cTradeer & Match-Trader

This add-on is available on all three platforms.

- Applies to **Forex and Metals** only.

- Energies, Indices, and Crypto still incur standard
swap charges even with the add-on active.

Rewards: Minimum Amount

The minimum reward request is
**1% of the Master Account Size** (including
FundingPips'
split). Transfers are subject to exchange rates and transaction
fees.

## Reward Cycle

Bi-Weekly, 80%

80%

Every 14 calendar days, no other requirement.

How does this work? ↓

Bi-Weekly, 95%

95%

Every 14 calendar days, plus 3 profitable days per cycle.

How does this work? ↓

Monthly, 100%

100%

Every 30 calendar days, plus eligibility conditions.

How does this work? ↓

Bi-Weekly80% Split

Bi-Weekly95% Split

How It Works

- The 14-day timer alone is not enough on the 95% split.
- 3 profitable days are needed within the cycle to qualify.
- The profitable-day count resets after each reward.

Monthly100% Split

Effective 15 August 2026

This applies to Evaluation Accounts purchased
**on or after**
**15 August 2026**.

Eligibility Requirements

- A **35% consistency score** must
be
achieved: no single trading day can account for
more
than 35% of total profit. This resets after each
reward.

- At least **7 profitable days** to
qualify
for a reward, each with **0.5% or more**

profit of the starting Master Account Size. Profitable
days resets after each
reward.

How does the Striking System work?

The **Striking System** applies
when
the closed and floating loss on
one trade idea
reaches **1% of the Master Account size**.

All losses from a single trade idea
are counted together. A **trade idea**
can
be any of the following:

- One trade
- Multiple trades running together on the same
instrument
and in the same direction

- Two or more new trades opened within 10 minutes
of
closing a losing trade

Warnings are cumulative and do not reset between
Reward
cycles.

Profit Deduction

Any profit from trade ideas that received
a warning
is deducted
from the account.

Trading Conditions: Execution Parameters

Mechanics of the Master Account, including purchasing
power,
trade costs, and execution limits.

Temporary Update: Master Accounts Only

- Dynamic leverage has been applied to Metals, Energies,
and
Indices on Master Accounts. See the
**Important Information** section below.

## Commission

Standard accounts use the base commission structure.
Accounts with the Swap-Free Add-on (MT5 only) pay higher
commission in exchange for no overnight swap fees.