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

Pipcy

United Arab Emirates CFD
VS

PropXP

6.9 B
Saint Lucia CFD
Key Differences
Price $21 vs $29

Verdict: Who Wins?

Pipcy 2 wins
2 - 4
PropXP 4 wins Decisive Win
Overall Rating 6.9 vs 0.0 Decisive
TrustPilot 4.5 vs 4.3 Clear
Starting Price $21 vs $29 Decisive
Profit Split Both Up to 95% Tie
Safety Grade B vs Decisive
Trust Score 55.1/100 vs 39.6/100 Decisive
Challenge Variety 24 vs 17 options Clear

Best For:

Budget-conscious traders Pipcy
Trust & reputation PropXP
Fast payouts PropXP

Visual Comparison

Pipcy PropXP

Head-to-Head Comparison

Pipcy Metric PropXP
- PFM Score 6.9/10
4.3/5 (42) TrustPilot 4.5/5 (209) ★
- Safety Grade B ★
39.6 F Trust Score 55.1 C ★
Up to 95% Profit Split 80% (Up to 95% with add-on) ★
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). Daily Drawdown 3-5% daily, 6-10% max
Every 7 calendar days Payout Frequency First on-demand, then bi-weekly
$21 ★ Starting Price $29
White-Label Technology White-Label
MT5, Pipcy Trading Platform Platforms MT5
No Direct Path to Funded No
United Arab Emirates Country Saint Lucia
- Established -
24 options Challenge Options 17 options

Price Comparison by Account Size

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

Account Size Pipcy PropXP Savings
$10K $45 ★ $89 Save $44
$25K $109 ★ $199 Save $90
$50K $195 ★ $289 Save $94
$100K $415 ★ $549 Save $134

Pipcy vs PropXP: Detailed Analysis

Pipcy and PropXP are both CFD firms.

Pricing

In terms of pricing, Pipcy is more affordable with challenges starting at $21, which is $8 less than PropXP's starting price of $29. Pipcy offers 24 challenge options, while PropXP offers 17.

Account Sizes

On account sizing, Pipcy offers account sizes from $5 to $100 across 5 funding tiers, while PropXP offers account sizes from $3 to $200 across 6 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, Pipcy supports MT5 and Pipcy Trading Platform, while PropXP runs on MT5. If you already trade on a specific platform, this can be the deciding factor between the two.

Profit Split & Payouts

Pipcy offers Up to 95% profit split, while PropXP offers 80% (Up to 95% with add-on). Pipcy pays out Every 7 calendar days, and PropXP pays out First on-demand, then bi-weekly.

Risk & Drawdown Rules

Risk rules are a key difference for funded traders: Pipcy lists its daily drawdown as "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).", while PropXP lists "3-5% daily, 6-10% max". Always confirm the drawdown type before buying, since a trailing rule behaves very differently from a static end-of-day one.

Payout Methods

PropXP supports withdrawals via Crypto.

Trust & Safety

For trust and reputation, Pipcy has a 4.3/5 TrustPilot rating with 42 reviews, while PropXP has 4.5/5 with 209 reviews.

Who Should Choose Which

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

Overall, PropXP edges ahead winning 4 out of 6 categories we compared. However, the best choice depends on your specific needs - both firms have their strengths.

Pros & Cons

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.
PropXP
Pros
Static drawdown (no trailing); up to 95% profit split; First reward on-demand; no caps on payouts; minimum cash out 0; MT5 platform; choose 1-Step, 2-Step, or Instant Funding
Cons
Single platform (MT5 only); USA jurisdiction restricted; payouts currently only in USDT (TRC20/ERC20); 40% consistency rule (20% on Instant Funding) can extend pass time; 1% floating loss rule on Instant Funding

Frequently Asked Questions

Which is better, Pipcy or PropXP?

PropXP scores higher overall, winning 4 out of 6 comparison categories including Overall Rating, TrustPilot, Safety Grade. However, the best choice depends on your trading goals and priorities.

Which is cheaper, Pipcy or PropXP?

Pipcy has the lower starting price at $21. Pipcy offers 24 challenge options starting from $21, while PropXP offers 17 options starting from $29.

Which has better reviews, Pipcy or PropXP?

PropXP has a higher TrustPilot rating of 4.5/5. Pipcy has 42 reviews while PropXP has 209.

Which offers a higher profit split, Pipcy or PropXP?

Pipcy offers a higher maximum profit split. Pipcy offers Up to 95% while PropXP offers 80% (Up to 95% with add-on).

How fast do Pipcy and PropXP pay out?

Pipcy has Every 7 calendar days payouts while PropXP offers First on-demand, then bi-weekly payouts. Payout speed can be an important factor when choosing a prop firm.

Are Pipcy and PropXP legit?

Both firms have been independently verified by PropFirmMap. Pipcy holds a unrated safety grade and a 4.3/5 TrustPilot rating. PropXP holds a B safety grade and a 4.5/5 TrustPilot rating. Safety grades are based on payout history, community trust signals, and regulatory transparency.

Which is better for beginners, Pipcy or PropXP?

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 Pipcy Compare Challenges Visit PropXP

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