FundingRock Review 2026: Plans, Rules, and Payouts

FundingRock

FundingRock is a CFD and forex proprietary trading firm operated by Mindwave Training Ltd, a company incorporated in Cyprus under registration number HE 471803 and headquartered in Nicosia. The company is led by CEO Meir Hefetz. The pricing and rules below were read directly from the FundingRock homepage plan selector on 10 August 2026. The firm runs four programs: Instant Funding, Pay After You Pass, 1 Step and 2 Step, each offered in five account sizes from $5,000 to $100,000. The base reward share is 80%, rising to 95% with a paid add-on. Traders use the TradeLocker and cTrader platforms. This review covers what each program costs, which rules apply to it, and how the pricing sits against three other CFD firms in our database.

Plans and pricing

The four programs differ mainly in when the money is paid and how demanding the profit target is. Pay After You Pass charges a $5 entry fee on every account size, then an activation fee once the evaluation is passed: $60 on $5K, $100 on $10K, $180 on $25K, $300 on $50K and $500 on $100K. That structure moves most of the cost to after the pass rather than before it, and the profit target is 3%, the lowest of the four.

The 2 Step program is the cheapest prepaid route at $40 for $5K rising to $350 for $100K, and it asks 6% in each of its two phases. The 1 Step program runs $50 to $450 and asks a single 10% target. Instant Funding is the most expensive at $110 for $5K up to $1,000 for $100K, and it has no profit target at all: the account is funded from the start, with the cost covering immediate access rather than an evaluation. At the time of writing the site banner advertises code FR15 for 15% off all challenges.

Rules that apply

Drawdown type is the clearest split between the programs. Instant Funding, Pay After You Pass and the 1 Step all use a trailing lock drawdown, which FundingRock describes as a maximum loss level based on highest recorded equity that trails upward as equity makes new highs and never moves down. The 2 Step program uses a static drawdown instead. Maximum leverage is listed as up to 1:30 on Instant Funding, Pay After You Pass and the 1 Step, and up to 1:100 on the 2 Step.

A consistency rule applies to every program on the funded account: 20% on Instant Funding, 15% on Pay After You Pass and 30% on both the 1 Step and the 2 Step. News trading is marked Yes on Instant Funding and Pay After You Pass, and is not marked as available on the 1 Step or the 2 Step. No program carries a time limit. Weekend holding requires a paid add-on across the board. Reward eligibility is immediate on Instant Funding and Pay After You Pass, both of which list instant withdrawal, while the 1 Step and 2 Step list a 14 day eligibility period. Instant Funding also carries a reward lock and a minimum of 0 trading days.

Pros and cons

Points in FundingRock's favour, taken from its published plan tables and site copy:

• Pay After You Pass puts only $5 at risk up front, pairs it with the lowest profit target of the four programs at 3%, and lists instant withdrawal once funded.
• No program carries a time limit, the challenge fee is advertised as refunded on the first withdrawal, and expert advisors are permitted.
• The reward share reaches 95% with the paid add-on, and the 2 Step program starts at $40 for a $5K account.

Points against, from the same tables and from the firm's own descriptions:

• Accounts are simulated rather than live, and payouts are framed as rewards on simulated profits.
• A consistency rule applies on every program on the funded side, ranging from 15% to 30%, and weekend holding is a paid add-on on all four.
• News trading is not marked as available on the 1 Step or 2 Step programs, and the firm has a short public record: its TrustPilot profile carried 77 reviews when we collected firm data on 5 June 2026.

How it compares

Set against other CFD firms in the PropFirmMap database at the $100K size, FundingRock lands in two different places depending on the program. Its 2 Step at $350 undercuts each of the three firms below, and its 1 Step at $450 also comes in under them. Instant Funding at $1,000 sits well above the group, though it is a different product: no evaluation to pass.

The comparison that matters most here is review volume rather than price. The5ers carries 28,714 TrustPilot reviews against FundingRock's 77, and Atmos Funded carries 296. A trader weighing a $350 plan against a $545 one is also weighing a firm with a short public record against one with a much longer history of payouts being discussed in public. BrightFunded is priced between the two but its TrustPilot profile is flagged as suspended in our database, so we do not display a rating for it. On split, The5ers is listed at up to 100% and BrightFunded at up to 90%, both above FundingRock's 80% base, though the 95% add-on closes most of that gap for traders willing to pay for it.

Verdict

FundingRock suits traders who want a low up-front commitment and are comfortable with a firm that has a short public record. Pay After You Pass at $5 down is the clearest example of that trade: the cost lands after the evaluation is passed rather than before, and the 3% target is the least demanding on offer. Traders who prefer a static drawdown and the highest leverage on the menu will want the 2 Step at 1:100, which is also the cheapest prepaid route. Traders who want to skip evaluation entirely can pay for Instant Funding, at $1,000 against $350 for the 2 Step at the same account size. Anyone evaluating FundingRock should note that accounts are simulated, that a consistency rule applies on every funded account, that weekend holding costs extra on all four programs, and that news trading is not marked as available on the 1 Step or 2 Step.

Sources and data freshness

All pricing, targets, drawdowns, leverage, consistency rules and news-trading terms in this review were read from the plan selector on fundingrock.com on 10 August 2026, checking every one of the four programs across all five account sizes. Company entity, registration number and jurisdiction come from the firm's terms and conditions and about us pages. The TrustPilot figure of 4.1 from 77 reviews was collected on 5 June 2026 from the firm's TrustPilot profile and is labelled with that date wherever it appears, because we did not re-read it for this article. Comparison figures for BrightFunded, The5ers and Atmos Funded come from the PropFirmMap database. See the live plan grid on our FundingRock firm page.