Introduction
PipFarm allows traders to merge two funded accounts into a single account. This feature simplifies account management, enabling traders to continue trading under a single, larger balance rather than multiple smaller ones.
Eligibility
You can merge any two funded accounts promoted from PipFarm challenges (i.e. not Instant Funding), as long as they meet the compatibility criteria outlined below.
Accounts must:
Belong to the same Mode (I.e. Classic with Classic, Endurance with Endurance, Consistency with Consistency).
Both originate from challenge-based funded accounts (not Instant Funding).
Not have any open positions for the request to be processed.
The drawdown type (Static or Trailing) does not need to match. For example, a 6% Static account can be merged with a 9% Static account, and a Static account can be merged with a Trailing one. You'll need to select the drawdown type you'd like to keep for the merged account.
Compatibility Matrix
Account 1 | Account 2 | Result |
50K Classic (6% Static Max Loss) | 50K Classic (9% Static Max Loss) | ✅ 100K Classic (6% Static Max Loss) |
50K Classic (9% Static Max Loss) | 50K Classic (6% Static Max Loss) | ✅ 100K Classic (9% Static Max Loss) |
20K Endurance (6% Static Max Loss) | 20K Endurance (9% Trailing Max Loss) | ✅ 40K Endurance (6% Static Max Loss) |
50K Classic (6%Static Max Loss) | 50K Endurance (9% Static Max Loss) | ❌ Not Allowed |
10K Consistency | 10K Classic | ❌ Not Allowed |
Add-On Policy (Until 1 January 2026)
Until January 1st, 2026, traders can merge funded accounts even if they have different add-ons. For example, you can merge a weekly payout account with one that has monthly payouts.
How this policy works:
The merged account will inherit the add-ons from all accounts.
The relative additional cost of the add-ons will be deducted from the account balance at the time of merging. For example, when merging two 20k Classic accounts, where one has the Weekly Payout Interval add-on and the other does not, $50 will be deducted from the merged account balance.
This temporary policy also allows traders who held monthly payout accounts before November 7th, 2025, to gain access to weekly payouts by merging with another account that has them.
After 1 January 2026, only accounts with identical add-ons will be eligible for merging.
How Merging Works
When two accounts are merged:
The initial balance of the new account is based on the combined value of the two old accounts.
The new account will have no trading history. Trading days, profitable days and any consistency progress will be lost.
Any profits or losses will be carried forward to the new account.
All open trades must be closed before requesting a merge and remain closed until the request is complete.
Merging an account can take up to 3-5 business days.
If the accounts have different drawdown types (for example, one Static and one Trailing), you need to select which type you require your new account to be in the form.
The merged account will inherit the rules of the newer account.
Example: Merging an Account with an Existing Loss
To help you understand how merging affects your balance and drawdown, here’s an example:
Scenario:
Account 1: $100,000 funded account with an $8,000 loss (current balance $92,000).
Account 2: $10,000 funded account, newly created with no losses.
Merge outcome:
The two accounts are combined into a new $110,000 funded account.
The existing $8,000 loss is carried forward into the new account.
The current balance of the new merged account becomes $102,000 ($110,000 starting balance minus $8,000 carried loss).
The relative drawdown (loss as a percentage of the new starting balance) is reduced from 8% to 7.2%, because the same loss now represents a smaller proportion of the combined balance.
Summary:
Merging does not erase previous losses, but it can reduce their relative impact if you merge with a new or smaller-loss account.
Example: Merging Accounts of Different Sizes with a Trailing Max Loss
This example shows what happens when a larger account with a trailing max loss is merged with a smaller new account, and how the relative loss remains consistent after merging.
Scenario:
Account 1: $100,000 funded account.
High watermark: $104,000.
Current Balance: $100,000 (3.85% Trailing Max Loss)
Trailing Max Loss: $94,640 (9% of the high watermark).
Account 2: $50,000 funded account, new and unused (no trades).
Merge outcome:
The two accounts are combined into a new $150,000 funded account.
Current balance: $150,000
High watermark: The high watermark is adjusted proportionally from $104,000 → $156,000, based on the ratio of the new combined balance (150K ÷ 100K = 1.5).
The trailing max loss is scaled proportionally from $94,640 → $141,960, maintaining the same relative distance (9%) from the high watermark.
Since the merged account’s current balance is exactly proportional to that before, the relative loss remains 3.85% just as it was before merging.
Summary:
Merging does not reset or reduce your existing losses. Instead, it scales all values including the high watermark and trailing max loss proportionally to the new total balance.
As a result, your relative position (3.85% below the high watermark in this example) remains the same before and after the merge.
How to Request a Merge
To request a merge:
Ensure both accounts meet the compatibility rules above.
Ensure all open positions are closed and do not continue trading the account.
Complete the merge request form at go.pipfarm.com/merge.
In the form, you’ll need to:
Enter the following details of both accounts:
Account numbers
Modes
Drawdown type
In the event of a conflict, you'll be asked to select the drawdown type to retain for the merged account.
Once submitted, we will review and process your request within 3-5 business days if all requirements are met. Please note trading and payouts will be paused from either account until the merging process is complete.
Maximum Allocation
Each trader may have a maximum of $300,000 initial balance across up to five active funded accounts promoted from challenges. This limit applies before any scaling balance is added.
Frequently Asked Questions
Can I merge Instant-Funded accounts?
No. Merging is only available for funded accounts that originated from a challenge. Instant-Funded accounts cannot be merged.
How long does it take to merge an account?
Merging requests are usually processed within 3-5 business days once eligibility is confirmed and all trades are closed.
Can I unmerge accounts later?
No. Once accounts are merged, the action is permanent.
Do I need to pay any fee for merging?
You don't need to add any additional fee. However, any price difference between the add-ons from merged accounts will be deducted from the new account balance.
Can I merge more than two accounts?
Yes. You can merge multiple funded accounts, but they must all meet the same eligibility rules. Each merge will be processed one step at a time.