FTMO vs Pipcy: Head-to-Head Comparison (2026)

Pipcy

5.3 C

CFD

Key Differences

Safety A+ vs C Split 90% vs 95% Price $79 vs $21

Verdict: Who Wins?

FTMO 4 wins

4 - 3

Pipcy 3 wins

Overall Rating 8.3 vs 5.3 Decisive

TrustPilot 4.8 vs 4.3 Clear

Starting Price $21 vs $79 Decisive

Profit Split Up to 95% vs Up to 90% Clear

Safety Grade A+ vs C Decisive

Trust Score 79/100 vs 46.6/100 Decisive

Challenge Variety 24 vs 10 options Decisive

Best For:

Budget-conscious traders

Pipcy

Maximum profit potential

Pipcy

Trust & reputation

FTMO

Fast payouts

FTMO

Visual Comparison

FTMO Pipcy

Head-to-Head Comparison

FTMO	Metric	Pipcy
8.3/10 ★	PFM Score	5.3/10
4.8/5 (42,594) ★	TrustPilot	4.3/5 (42)
A+ ★	Safety Grade	C
79 B+ ★	Trust Score	46.6 D
Up to 90%	Profit Split	Up to 95% ★
Maximum Daily Loss Amount, which is 5% of the Initial Simulated Capital (2-Step) or 3% (1-Step)	Daily Drawdown	None. Pipcy publishes no daily loss limit on any challenge model, and no trailing drawdown; only the overall max loss applies (12% absolute on Classic, 250 pips on Pips Mastery).
Bi-weekly (every 14 days)	Payout Frequency	Every 7 calendar days
$79	Starting Price	$21 ★
Proprietary	Technology	White-Label
cTrader, MT5, MT4	Platforms	MT5, Pipcy Trading Platform
No	Direct Path to Funded	No
Czech Republic	Country	United Arab Emirates
Jan 2015	Established	-
10 options	Challenge Options	24 options

Price Comparison by Account Size

Cheapest challenge price at each account size (where both firms offer the same size)

Account Size	FTMO	Pipcy	Savings
$10K	$79	$45 ★	Save $34
$25K	$199	$109 ★	Save $90
$50K	$319	$195 ★	Save $124
$100K	$439	$415 ★	Save $24

FTMO vs Pipcy: Detailed Analysis

FTMO and Pipcy are both CFD firms.

Pricing

In terms of pricing, Pipcy is more affordable with challenges starting at $21, which is $58 less than FTMO's starting price of $79. FTMO offers 10 challenge options, while Pipcy offers 24.

Account Sizes

On account sizing, FTMO offers account sizes from $10 to $200 across 5 funding tiers, while Pipcy offers account sizes from $5 to $100 across 5 funding tiers. Picking the right tier matters because both the entry cost and the maximum capital you can scale to are tied to the account size you start with.

Trading Platforms

For trading platforms, FTMO supports cTrader, MT5 and MT4, while Pipcy runs on MT5 and Pipcy Trading Platform. If you already trade on a specific platform, this can be the deciding factor between the two.

Profit Split & Payouts

FTMO offers Up to 90% profit split, while Pipcy offers Up to 95%. FTMO pays out Bi-weekly (every 14 days), and Pipcy pays out Every 7 calendar days.

Risk & Drawdown Rules

Risk rules are a key difference for funded traders: FTMO lists its daily drawdown as "Maximum Daily Loss Amount, which is 5% of the Initial Simulated Capital (2-Step) or 3% (1-Step)", while Pipcy lists "None. Pipcy publishes no daily loss limit on any challenge model, and no trailing drawdown; only the overall max loss applies (12% absolute on Classic, 250 pips on Pips Mastery).". Always confirm the drawdown type before buying, since a trailing rule behaves very differently from a static end-of-day one.

Trust & Safety

For trust and reputation, FTMO has a 4.8/5 TrustPilot rating with 42,594 reviews, while Pipcy has 4.3/5 with 42 reviews. Safety grades: FTMO A+, Pipcy C.

Who Should Choose Which

So who should pick which? FTMO is the stronger choice for trust & reputation and fast payouts, while Pipcy is the better fit for budget-conscious traders and maximum profit potential.

This is a close matchup with FTMO winning 4 and Pipcy winning 3 of the categories we compared. The right choice depends on what matters most to you as a trader.

Pros & Cons

FTMO

Pros

Up to 90% of your simulated profits as a reward, accounts up to $200,000 FTMO Account, established 2015 with 3.5M+ customers worldwide, MT4 MT5 cTrader supported, 100% refund of initial fee on first reward (2-Step), Prague-based with $500M+ paid in rewards

Cons

All accounts we provide to our clients are demo accounts with fictitious funds and any trading is in a simulated environment only; prices charged in EUR; 2-Step Verification phase required before reaching FTMO Account

Pipcy

Pros

No daily drawdown limit and no trailing drawdown on any challenge model, on both the Classic and Pips Mastery programmes. 12% absolute maximum loss on Pipcy Classic, one of the widest overall loss limits published in the sector. Reward Payments are processed within 48 hours and the profit split reaches up to 95% through a nine-level Growth Plan that scales a funded account to $3,000,000 with no scaling fees. News trading, overnight holding and weekend holding are all permitted on every Challenge and funded account. Entry prices start at $21 and a WELCOME50 code takes 50% off a first challenge; a free trial is available before purchase. MetaTrader 5 plus an in-house Pipcy Trading Platform, a Swap-Free option, and zero commission on cryptocurrencies, indices and commodities.

Cons

Pipcy states plainly that it is not regulated by the FCA, ASIC or CySEC. The profit split STARTS at 50%: the advertised 95% is the ninth Growth Plan level, and each scale-up requires 25% accumulated profit left in the account plus at least 90 calendar days. No withdrawal method is published anywhere on the site: payouts are described only as going to your selected payment method. Pipcy's own blog comparison table says news trading is Not permitted on Pipcy Classic, contradicting its FAQ, its Terms of Service and its own pricing table, all of which say it is allowed. A trader may hold a maximum of three open positions in the same direction on the same asset, an account-ending rule that two TrustPilot reviewers say they only found after their challenge was closed. Only 1 funded account and 3 challenge accounts are permitted per trader, and fees are non-refundable once simulated trading starts. The TrustPilot profile carries only 42 reviews in total, so there is little long-run payout evidence, and no incorporation or launch date is published anywhere on the site.

Frequently Asked Questions

Which is better, FTMO or Pipcy?

Both firms are competitive. FTMO wins in 4 categories while Pipcy wins in 3. The best choice depends on what you prioritize: pricing, profit split, trust ratings, or payout speed.

Which is cheaper, FTMO or Pipcy?

Pipcy has the lower starting price at $21. FTMO offers 10 challenge options starting from $79, while Pipcy offers 24 options starting from $21.

Which has better reviews, FTMO or Pipcy?

FTMO has a higher TrustPilot rating of 4.8/5. FTMO has 42,594 reviews while Pipcy has 42.

Which offers a higher profit split, FTMO or Pipcy?

Pipcy offers a higher maximum profit split. FTMO offers Up to 90% while Pipcy offers Up to 95%.

How fast do FTMO and Pipcy pay out?

FTMO has Bi-weekly (every 14 days) payouts while Pipcy offers Every 7 calendar days payouts. Payout speed can be an important factor when choosing a prop firm.

Are FTMO and Pipcy legit?

Both firms have been independently verified by PropFirmMap. FTMO holds a A+ safety grade and a 4.8/5 TrustPilot rating. Pipcy holds a C safety grade and a 4.3/5 TrustPilot rating. Safety grades are based on payout history, community trust signals, and regulatory transparency.

Which is better for beginners, FTMO or Pipcy?

Pipcy may be more accessible for beginners due to its lower entry price. When starting out, consider challenge cost, drawdown rules, and profit split. Use the comparison table above to find which firm fits your experience level and risk tolerance.

Visit FTMO Compare Challenges Visit Pipcy

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