Payout transparency concerns
Payouts are not transparent and Trustpilot score is below 4.0.
Topstep Review 2026
VerifiedOne of the original futures prop firms, known for educational content and end-of-day drawdown. Mixed recent reviews due to platform bugs.
Our Take
โTop of the game, best for beginners. Great interface, but must use TopstepX proprietary trading platform. No advanced third-party software.โ
Pros
- โVeteran firm (since 2012) โ long-established in the industry
- โ$198M+ total payouts โ proven payout track record
- โAffordable entry (from $34 with promos)
- โEOD/static drawdown โ no intraday trailing
- โNo consistency rule
- โSafety buffer on funded accounts
Cons
- โBelow-average Trustpilot (3.4/5)
- โActivation fee required (up to $149)
๐ฐ Max Funded
$750,000
5 accounts ร $150,000
5
Max Accounts
$150k
Largest Account
โก Payouts
Payout Methods
Active Promo Codes
No active promo codes listed.
Trading Rules
Trading Platforms
Data Feeds
Trading Software
Instrument Coverage
Rule Change History
payout: June 19 holiday trading and payout pause โ Topstep says all positions must be closed by 11:45 a.m. CT on Friday, June 19, 2026, with reopening allowed after 5:00 p.m. CT for the Sunday, June 21 trade date. Payout requests and processing will pause starting Thursday at 5:00 p.m. CT and resume on Monday, June 22, with limited support on Friday.
rules: Topstep may enforce liquidations if NQ breaches -5% late session โ Topstep said it may intervene as volatility increases into the end of day session and NQ approaches the CME price limit. If NQ breaches -5% during the last half hour, Live Funded Traders will be liquidated to protect traders and the firm.
rules: Topstep reminds traders about 2% price-limit rule โ Topstep reminded traders that trading within 2% of a price limit is prohibited and that holding positions near those thresholds is considered high-risk. The message points users to the help center article and Coach Robert's video for guidance on calculating price limits.
payout: Topstep adds 2X payout caps with DLL purchases and raises 150k pricing โ Starting June 2, new Trading Combine purchases that add a Daily Loss Limit at checkout can unlock 2X payout caps across all account sizes. Topstep is also increasing the 150k Standard Trading Combine monthly price from $149 to $199 for new subscriptions.
payout: Instant Payouts Now Live โ Topstep partnered with Aeropay so approved payouts can now be sent instantly to U.S. bank accounts. Delivery depends on bank support for real-time transactions; unsupported banks may still take 1 to 3 business days.
Score Breakdown
PropScore
Value for the trader
Scores are calculated algorithmically from public data. No firm pays for ranking position.
Health Score
Health Score
Composite stability + trust signal
Health score blends trust, transparency, and longevity. Updates after each data refresh.
Trust & Payouts
$208M
Total Paid
91,023
Total Payouts
$2K
Avg Payout
$155M
Last 90 Days
190
Avg Payouts/Day
$436K
Avg Paid/Day
Recent Payouts
Last updated: Jun 23, 2026
Plans & Rules
| Topstep | 50k | 50k No Fee | 100k | 100k No Fee | 150k | 150k No Fee |
|---|---|---|---|---|---|---|
| โผ๐ฐ Pricing | ||||||
| Challenge Fee | $34 $109 | $76 $109 | $69 $159 | $111 $159 | $104 $209 | $146 $209 |
| Billing | /month | /month | /month | /month | /month | /month |
| Activation Fee | $149 | Free | Free | Free | Free | Free |
| Total Cost | $183 $258 | $76 $109 | $69 $159 | $111 $159 | $104 $209 | $146 $209 |
| Best Price Ever | $29 | $65 | $59 | $95 | $89 | $125 |
| โผ๐ Challenge Phase | ||||||
| Profit Target | $3,000 (6%) | $3,000 (6%) | $6,000 (6%) | $6,000 (6%) | $9,000 (6%) | $9,000 (6%) |
| Drawdown Type | EOD | EOD | EOD | EOD | EOD | EOD |
| Max Drawdown | $2,000 (4%) | $2,000 (4%) | $4,000 (4%) | $4,000 (4%) | $6,000 (4%) | $6,000 (4%) |
| One Day Pass | โ | โ | โ | โ | โ | โ |
| News Trading | โ | โ | โ | โ | โ | โ |
| Consistency Rule | 50% | None | 50% | None | 50% | None |
| Min Trading Days | None | None | None | None | None | None |
| Rules / Notes | Consistance: 50% | โ | Consistance: 50% | โ | Consistance: 50% | โ |
| โผ๐ผ Funded Phase | ||||||
| Drawdown Type | EOD | EOD | EOD | EOD | EOD | EOD |
| Max Drawdown | $2,000 (4%) | $2,000 (4%) | $4,000 (4%) | $4,000 (4%) | $6,000 (4%) | $6,000 (4%) |
| DLL Rule | No DLL restriction | No DLL restriction | No DLL restriction | No DLL restriction | No DLL restriction | No DLL restriction |
| News Trading | โ | โ | โ | โ | โ | โ |
| Consistency Rule | 40% | 40% | 40% | 40% | 40% | 40% |
| Min Trading Days | None | None | None | None | None | None |
| Min Profit Days | 5d ($150+) | 5d ($150+) | 5d ($150+) | 5d ($150+) | 5d ($150+) | 5d ($150+) |
| Target to Payout | $250 | โ | $250 | โ | $250 | โ |
| Buffer Required | โ (50% retained) | โ (50% retained) | โ (50% retained) | โ (50% retained) | โ (50% retained) | โ (50% retained) |
| โผ๐ธ Payouts | ||||||
| Profit Split | 100% (โค$10K) 90% | 80% | 100% (โค$10K) 90% | 80% | 100% (โค$10K) 90% | 80% |
| Daily Payouts | โ | โ | โ | โ | โ | โ |
| Min Payout | $125 | โ | $125 | โ | $125 | โ |
| Max Payout | $5,000 | No limit | $5,000 | No limit | $5,000 | No limit |
| Payout Schedule | โ | โ | โ | โ | โ | โ |
| Payout Fee | Free | Free | Free | Free | Free | Free |
| Conditions | 5 profit days ($150+) or 40% consistency (Payout/3days) | โ | 5 profit days ($150+) or 40% consistency (Payout/3days) | โ | 5 profit days ($150+) or 40% consistency (Payout/3days) | โ |
| Challenge Refund | โ | โ | โ | โ | โ | โ |
| โผโ๏ธ General | ||||||
| MNQ Fees (RT) | $0.74 | โ | $0.74 | โ | $0.74 | โ |
| Notes | 50% of profits retained as buffer at payout. No-activation-fee accounts available. Add 20% VAT if applicable. | โ | โ | โ | โ | โ |
Use the review page for verdict, trust context, trader fit, and a more opinionated read on Topstep.
Decision-stage comparison pages featuring Topstep.
Frequently asked questions about Topstep
Is Topstep legit?
Topstep has a Trustpilot score of 3.4/5. As always, we recommend doing your own research before committing capital.
How much does Topstep cost?
Topstep challenge fees start from $34 for a 50K account.
What is the Topstep profit split?
Topstep offers up to 90% profit split on funded accounts.
What drawdown type does Topstep use?
Topstep uses end-of-day (EOD) drawdown. This resets or is measured at the end of each trading day.
Does Topstep allow news trading?
Yes, Topstep allows news trading.
Does Topstep allow DCA (averaging down)?
Yes, Topstep allows DCA strategies.
Last updated: June 23, 2026 ยท Data refreshed automatically