The 5%ers vs Funding Pips: which prop firm wins for swing traders in 2026?
The 5%ers is the better choice for swing traders prioritising tighter drawdown discipline and the 100% profit split ceiling. Israeli-based since 2018, profit splits ranging 75-100 percent (Hyper Growth program offers 100% on scaling milestones), tighter 6 percent maximum / 4 percent daily drawdown rules, weekend holds permitted, NSLR6UYQO coupon code at checkout. Funding Pips wins for traders prioritising aggressive account-doubling scaling and rule flexibility. UAE-based since 2022, up to 95 percent profit split, account-doubling scaling tiers on consistent performance, looser 10 percent maximum / 5 percent daily drawdown, no time limit on challenges, news-trading allowed. Both accept Australian residents, both pay reliably, both permit weekend holds. The single biggest decision factor: do you want tight-drawdown 100%-split potential (The 5%ers) or aggressive-scaling rule-flexibility (Funding Pips)?
Quick verdict: which should you choose?
Choose The 5%ers if:
- You are a disciplined trader with strong risk management (6% max / 4% daily drawdown)
- You want the Hyper Growth program's 100 percent profit split ceiling
- You value longer operating history (since 2018 vs 2022)
- You want to use the NSLR6UYQO coupon code for a checkout discount
- You trade longer-term swing setups with tight stop-loss discipline
Choose Funding Pips if:
- You want looser 10% / 5% drawdown rules
- You prioritise aggressive account-doubling scaling tiers
- You value no-time-limit on challenges
- You want news-trading allowed without scheduled-release restrictions
- You trade event-driven or news-related strategies
At-a-glance comparison
| Feature | The 5%ers | Funding Pips | Winner |
|---|---|---|---|
| Founded | 2018 | 2022 | The 5%ers (longer) |
| Headquartered | Israel | UAE (Dubai) | Tie |
| Profit split (top) | Up to 100% (Hyper Growth) | Up to 95% | The 5%ers |
| Maximum drawdown | 6% | 10% | Different positioning |
| Daily drawdown | 4% | 5% | Different positioning |
| Time limit on challenges | Limited | None on most models | Funding Pips |
| News trading allowed | Restricted | Yes | Funding Pips |
| Weekend holds | Yes | Yes | Tie |
| Promo code discount | NSLR6UYQO at checkout | None site-specific | The 5%ers |
Profit splits compared
The headline split numbers favour The 5%ers but the practical economics are closer than the headline suggests:
The 5%ers: 75-100 percent profit split depending on program. Standard programs typically run 80 percent baseline scaling to 90 percent. The Hyper Growth program offers up to 100 percent on the highest scaling milestones. The 100 percent ceiling is sector-leading and only available at The 5%ers among major prop firms.
Funding Pips: 80 percent baseline scaling to 95 percent at the highest tier. Account-doubling scaling means a USD 100,000 funded account can grow to USD 200,000 then USD 400,000 with continued consistent performance. The 95 percent ceiling matches FundedNext as sector-leading among major prop firms outside The 5%ers' Hyper Growth.
For traders who can actually hit the Hyper Growth scaling milestones (which require sustained performance over a defined timeline), The 5%ers' 100 percent split produces materially better economics. For traders running standard programs, the 5 percentage point gap (95% vs 90% standard scaling) is real but smaller than the Hyper Growth headline implies. The decision often comes down to which scaling structure better fits your trading style.
Drawdown rules: 6% vs 10%
This is the most material rule-structure difference between the two firms.
The 5%ers: 6 percent maximum drawdown, 4 percent daily drawdown. Materially tighter than the industry standard. The constraint is real - traders need strong risk management discipline to navigate 6 percent maximum drawdown across volatile periods. The trade-off is the higher 100 percent profit split ceiling and structurally stricter risk discipline.
Funding Pips: 10 percent maximum drawdown, 5 percent daily drawdown. Industry-standard rules matching FTMO, FundedNext, and most major prop firms. The looser limits provide more room for normal trading variance without breaching, suiting traders who are still developing position-size discipline.
For disciplined swing traders with proven risk management on personal capital, The 5%ers' tighter rules are a credible trade-off for the 100 percent split ceiling. For traders still developing discipline or running strategies with naturally higher volatility (news trading, breakouts), Funding Pips' looser rules are the safer choice.
The honest framing: The 5%ers is the disciplined-trader's prop firm. Funding Pips is the rule-flexibility prop firm.
Want tight-drawdown discipline + 100% split ceiling?
Start The 5%ers challengeThe 5%ers: use coupon code NSLR6UYQO at checkout for a discount.
Want flexible rules + aggressive scaling?
Start Funding Pips challengeScaling plans
Both firms offer aggressive scaling but with different mechanisms:
The 5%ers Hyper Growth: account-doubling on consistent profit performance over defined timelines. The Hyper Growth program is the most aggressive scaling structure in the prop firm category, doubling account size at scaling milestones rather than incremental percentage increases. The trade-off is the program is harder to qualify for than standard programs.
Funding Pips: account-doubling scaling on consistent performance, similar mechanism to The 5%ers Hyper Growth. A USD 100,000 funded account can grow to USD 200,000 then USD 400,000 with continued consistency.
For consistent traders meeting the Hyper Growth criteria at The 5%ers, the combination of 100 percent split + account-doubling produces sector-leading economics. For traders who don't meet Hyper Growth criteria but want similar account-doubling scaling, Funding Pips offers comparable mechanics on the standard tier.
Rules clarity and trap clauses
Both firms publish clear rules:
The 5%ers:
- 6 percent maximum drawdown, 4 percent daily drawdown (tightest in the major prop firm set)
- Profit targets vary by program
- Time limits exist on most programs (varies)
- News trading restricted on default configurations
- Weekend holds permitted
Funding Pips:
- 10 percent maximum drawdown, 5 percent daily drawdown (industry standard)
- 8 percent profit target standard
- No time limit on most challenge models
- News trading allowed
- Weekend holds permitted
Both firms apply rules consistently per community reporting. Neither has hidden trap clauses identified in the public record. The structural difference is The 5%ers prioritises drawdown discipline; Funding Pips prioritises rule flexibility. Both work for swing traders but suit different trader profiles.
Who wins on specific use cases
Disciplined trader with proven risk management
Winner: The 5%ers. The 6% max drawdown is a real constraint but the trade-off is access to 100% profit split ceiling on Hyper Growth.
Trader running event-driven or news-trading strategies
Winner: Funding Pips. News trading allowed without restrictions. The 5%ers restricts news trading on default configurations.
Swing trader holding positions 5-10 days
Tie. Both permit weekend holds. The 5%ers' tighter drawdown matters more for high-leverage swing setups; Funding Pips' looser drawdown gives more room for variance.
Trader pursuing sector-leading 100 percent profit split
Winner: The 5%ers. Hyper Growth program is the only major prop firm offering 100% split. Funding Pips caps at 95%.
Trader on a tight budget for first attempt
Winner: Funding Pips. Cheaper at lowest tiers (~USD 79 vs The 5%ers' ~USD 95 at USD 5,000 account). With NSLR6UYQO coupon, The 5%ers becomes more competitive but Funding Pips is still slightly cheaper at smallest tier.
Trader wanting no time pressure on challenge
Winner: Funding Pips. No time limit on most models. The 5%ers has time limits on most programs.
Trader running multiple prop firm accounts
Winner: Both. Many serious traders run both alongside FTMO and FundedNext. The 5%ers + Funding Pips pairing covers complementary positioning (tight-drawdown vs rule-flexibility).
Trader who specifically uses promo codes for first-attempt cost reduction
Winner: The 5%ers. NSLR6UYQO coupon at checkout. Funding Pips does not currently offer a comparable site-specific discount.
Final recommendation
For disciplined traders with strong risk management who want the sector-leading 100 percent profit split ceiling on the Hyper Growth program, The 5%ers is the better choice. The tighter 6 percent maximum / 4 percent daily drawdown rules are a real constraint but produce structurally stricter discipline that pays off in sustained performance. The NSLR6UYQO coupon code at checkout adds a checkout discount.
For traders prioritising rule flexibility (no time limit, news-trading allowed, looser drawdown), Funding Pips is the better choice. The aggressive account-doubling scaling on consistent performance produces sector-leading economics on the standard tier without the Hyper Growth qualification requirements.
The honest framing: The 5%ers is the discipline-focused prop firm with 100% split ceiling. Funding Pips is the flexibility-focused prop firm with looser rules. Both accept Australian residents, both permit weekend holds, both have credible payout records. The decision is a function of trading discipline and rule-structure preference.
For the broader prop firm landscape, see the Best Prop Trading Firms 2026 pillar. For The 5%ers vs FTMO comparison, see The 5%ers vs FTMO. For Funding Pips vs FTMO, see Funding Pips vs FTMO. For Funding Pips vs FundedNext (the value-tier head-to-head), see Funding Pips vs FundedNext.
Start The 5%ers challenge
Israeli-based since 2018. Up to 100% profit split (Hyper Growth). 6% max / 4% daily drawdown. Weekend holds permitted. NSLR6UYQO coupon at checkout.
Start The 5%ers challengeStart Funding Pips challenge
UAE-based since 2022. Up to 95% profit split. Account-doubling scaling. No time limit. News-trading allowed. 10% / 5% drawdown.
Start Funding Pips challengeThe 5%ers: use coupon code NSLR6UYQO at checkout.
Frequently asked questions
Both are credible prop firms accepting Australian residents. The 5%ers wins on drawdown discipline (tighter 6% maximum / 4% daily limits, suiting traders with strong risk management), 100 percent profit split ceiling on the Hyper Growth program, and longer operating history (since 2018). Funding Pips wins on rule flexibility (no time limit, news-trading allowed, looser 10% / 5% drawdown), aggressive account-doubling scaling tiers, and slightly higher headline 95 percent split on the standard model. The decision turns on trading style and drawdown tolerance.
The 5%ers offers up to 100 percent profit split on the Hyper Growth scaling program after meeting documented performance milestones. Funding Pips offers up to 95 percent profit split. The 5%ers' 100 percent ceiling is the highest in the prop firm category, but it requires hitting specific scaling thresholds on a defined timeline. Funding Pips' 95 percent is achieved on the standard scaling tiers without the same Hyper Growth structure. For consistent traders, both produce strong economics; the decision turns more on rule-fit than headline split percentage.
The 5%ers has materially stricter drawdown rules. Maximum drawdown is 6 percent, daily drawdown is 4 percent. Funding Pips runs the more common 10 percent maximum / 5 percent daily drawdown structure. The tighter 5%ers rules suit disciplined traders with strong risk management who want the trade-off of looser rules elsewhere (longer time to scale, higher split ceiling). Looser Funding Pips rules suit traders willing to accept slightly larger drawdowns for the flexibility.
Yes. Both The 5%ers and Funding Pips permit weekend holds across challenge models and funded accounts. This is meaningful for swing traders and position traders. Combined with the 95-100 percent profit split ceilings at both firms, these are among the most swing-trader-friendly prop firms in the market. FunderPro and FundedNext also permit weekend holds; FTMO permits weekend holds on Standard accounts. The weekend-holds-permitted set covers most major retail prop firms.
The 5%ers challenge fees are typically slightly higher than Funding Pips at comparable account sizes. Indicative pricing at May 2026: USD 5,000 account costs ~USD 95 at The 5%ers (Bootcamp tier) vs ~USD 79 at Funding Pips. Higher account tiers converge in pricing. The 5%ers offers the NSLR6UYQO coupon code at checkout for a discount on standard tiers. Funding Pips does not currently offer a comparable site-specific discount through this site.
Both are swing-trader-friendly. The 5%ers' tighter drawdown rules suit disciplined swing traders who manage risk carefully and benefit from the 100 percent split ceiling. Funding Pips' looser drawdown rules and no-time-limit policy suit swing traders who want maximum rule flexibility, particularly for setups that take 4-8 weeks to play out. For pure swing-trading positioning, FunderPro is also a credible option with A-Book execution. The decision is about discipline-vs-flexibility trade-off.
Both firms have community-reported reliable payouts. The 5%ers has been operating since 2018 with positive Trustpilot and community reviews on /r/Forex and /r/TradingPropFirmReview. Funding Pips has been operating since 2022 with positive community reporting since 2023. Neither has matched FTMO's USD 240m+ verified payout ledger depth, but both have credible payout track records within their operating tenures. Payouts process via international wire or stablecoin (USDT, USDC) at both firms.
About this analysis
