PipFarm review 2026

Targets and maximum loss depend on both the format and the mode. On the one-stage challenge you choose a Static or a Balance Trailing maximum loss when you buy. The figures below are base values; at Rank 2 and above each maximum loss allowance increases by 1%.

A Profitable Trading Day closes with at least 0.5% net profit. Under the Consistency mode, no single trading day can account for more than 40% of your total profit. Consistency accounts bought before 27 August 2026 have a 35% requirement on the two-stage challenge.

The static maximum loss is a fixed percentage of the starting balance and never moves; the account is breached if balance or equity falls below it. The daily loss limit is 3% below the higher of the previous end-of-day balance or equity, rising to 4% at Rank 4 and above. A new trading day starts at 22:00 GMT (21:00 GMT during US daylight saving).

Time limits. For challenges bought from 9 April 2026, the default is 90 days to complete each stage and 90 days between payouts on the funded account. A paid Add-On extends this to 180 days (+5%) or 360 days (+10%) on challenges, or removes the stage limit (Infinity, +15%). A funded account starts with a 360-day lifetime, and gains a further 360 days each time it scales. You must also close at least one trade every 28 days to keep an account active.

Instant Accounts skip the challenge and are payout-eligible from creation. There are three variants, which differ mainly in how the maximum loss is measured.

All three variants list no daily loss limit, a 1% Max Risk limit, a 6% payout target, a payout cap of 3% rising by 1% per payout to 6%, a 7-day payout interval, a 1% minimum payout and 5 Winning Days. A Winning Day closes with at least +0.5% profit and an end-of-day balance above the initial starting balance. You have 90 days to receive a payout, reset after each payout, extendable at checkout to 180 days (+10%) or 360 days (+20%). Leverage on Instant Accounts follows your Rank. Instant Accounts do not scale.

Max Risk (Pip Protector). On Instant Accounts, if combined realised and unrealised loss within a Risk Window reaches 1% of the starting balance, all open positions are closed and a Strike is recorded. Each Strike halves the limit, and a third Strike terminates the account.

• News trading: allowed, with no restrictions around high-impact releases.
• The news policy warns that repeatedly placing maximum-size positions just before major events may be flagged as speculative behaviour.
• Overnight and weekend holding: allowed on challenges and Simulated Funded Accounts, with weekend trading in crypto; a separate Gap Trading Policy applies to price gaps.
• Automated trading: EAs, bots and algorithmic strategies are allowed on all challenge and funded accounts, but the bot must be built around your own strategy; ready-made bots bought or downloaded from marketplaces are not permitted.
• High-frequency tick scalping that exploits platform latency or price feed delays is not permitted, and high-frequency trading is listed among prohibited practices.
• Copy trading: you may copy trades between your own accounts, including to and from other brokers or prop firms; copying another trader leads to termination.
• Hedging: allowed within a single account; hedging across multiple accounts is prohibited.
• Rule manipulation: tactics such as splitting a trade idea across days to inflate qualifying days or smooth the Consistency Score, or hedging to create a buffer below a trailing limit, can lead to a reset, removal of profit or a breach.
• The prohibited practices list also covers account passing services and toxic trading behaviour.

Funded-account Max Risk. Most accounts use the Pip Protector three-strike system; on Pay with Profits and One Step Light accounts, Max Risk is an absolute limit and reaching it breaches the account. Under the Pip Protector article, a second Strike also permanently cuts the profit share by 50%, and Strikes last for the lifetime of the account. The article's example uses a 2% limit on a $10,000 account and says the percentage differs between accounts.

Payouts are requested from the dashboard and manually reviewed. Reviews take 2 to 3 business days, and approved payouts are paid within a further 2 to 3 business days. Identity verification (KYC) is required before the first payout. On accounts from challenges, the default interval is 30 calendar days; shorter intervals cost extra at checkout.

Across several funded accounts, only one payout can be received every 7 calendar days, except a first payout on demand. The homepage says "get paid in 7 days"; that matches the Instant Account interval and the paid Weekly option, while challenge accounts default to 30 days.

Payout caps. Each payout is limited to a percentage of the account balance: 3% on the first payout, rising by 1% per payout to 6%, on every account type. No single payout can exceed $5,000, and this hard cap cannot be changed. Classic, Consistency and Endurance accounts bought before 27 August 2026 keep their earlier cap of 6% rising to 12%.

Profit split. The split is set by your rank in the Experience Program, from 70% at Rank 0 to 99% at Rank 6, with ranks earned through XP. The split also rises only one level per payout: the first payout is paid at 70%, the second at up to 75%, and so on, so 99% is reached from the seventh payout at Rank 6.

Pay with Profits. On these accounts the split is set by a Risk Tier locked when you pass, from 90% (Very Low) to 50% (Very High). A one-time PWP Fee of 1% to 3% of the initial balance is deducted from the first payout; on the Very High tier the first payout clears the fee and pays nothing. If the account is breached before the first payout, the PWP Fee is never paid.

Payout methods. Listed methods are Rise (marked temporarily unavailable), Skrill and USDT/USDC, each with a $50 minimum, plus bank transfer in GBP, EUR or AUD on request.

Scaling. Under the Sustainable Scaling Program, a funded account's balance increases automatically after every fifth payout. The increment is a percentage of the initial balance set by your rank: 10% at Ranks 0–1, then 20%, 30%, 40% and 50% at Ranks 5 and 6. An account can scale eight times; with a maximum allocation of $300,000, the firm gives $1,500,000 as the highest balance reachable. Every payout except the account's first reduces the maximum loss allowance by the amount withdrawn, down to a floor of 1% of the starting balance; each scale-up recalculates the allowance on the new starting balance. Instant Accounts and One Step Light accounts do not scale. The Experience Program page lists a 60% scaling increment at Rank 6, while the scaling article says 50%; we have used the scaling article.

Each trader may hold up to $300,000 of initial balance across up to five active funded accounts promoted from challenges, before scaling.

PipFarm runs only on cTrader, available on Windows, Mac, web, iOS and Android. Instruments cover forex, metals (gold and silver against USD and EUR), indices, five cryptocurrencies and three energies (WTI, Brent and natural gas). Commission on forex and metals is $6 per round-turn lot by default, falling to $3 at Rank 2, $1 at Rank 4 and $0 at Rank 6; indices, crypto and energies are commission-free. The Experience Program table lists maximum leverage of 1:30 at Ranks 0–2 and 1:50 from Rank 3. Swaps are charged at 22:00 GMT (21:00 GMT during US daylight saving), and a Swap-Free Add-On is available.

The footer names ECI Ventures Pte. Ltd. as operator and says none of its services are investment services or investment advice under the Singapore Securities and Futures Act 2001. PipFarm does not serve tax residents of Afghanistan, the Central African Republic, the Congo Republic, Crimea, the Democratic Republic of Congo, Iran, Libya, North Korea, Somalia, South Sudan, Sudan, Syria, the United States or Yemen. Citizens of Iran, North Korea and the United States are excluded wherever they live for tax purposes. Only one trader per family or household is allowed, and owners or managers of competing services, CFD brokers or other investment firms are not eligible. You must pay with your own payment method.