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Topstep review

Futures Founded 2012 United States Trustpilot 3.6/5 (14,680) Verified on

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Score/100

Verdict

Founded in Chicago in 2012, Topstep is the oldest futures prop firm. It charges a monthly subscription rather than a one-off ticket, with a 6 % target and a trailing drawdown that locks once the starting balance is cleared. Its 90 % profit split and first withdrawal after five winning days are among the best in the segment.

Topstep is for intraday futures traders who value track record and payout speed, and who accept paying a subscription during the evaluation. It fits poorly for anyone holding overnight positions, targeting large allocations, or troubled by such mixed customer satisfaction.

At a glance

Entry price
$49
Account sizes
50 K · 100 K · 150 K
Steps
1
Profit target
6 %
Max daily loss
—
Max total drawdown
4 %
Drawdown type
Trailing (end of day)
Time limit
Unlimited days
Consistency rule
50 %
Profit split
90 %
Max profit split
90 %
First payout
5 days
Payout frequency
Sur demande : Express Funded Standard après 5 journées gagnantes à 150 $+ ; Express Funded Consistency après 3 journées de trading avec cible de consistance 40 %
Max allocation
150 K
Platforms and instruments
NinjaTrader, Tradovate, Rithmic

Pros

  • Fourteen years of operation since 2012, the longest continuity in the futures segment.
  • 90 % profit split and a first withdrawal available after five winning days of $150 or more.
  • The trailing drawdown locks permanently once the starting balance is reached.
  • No mandatory daily loss limit: it is optional, and activating it doubles the withdrawal caps.
  • Free Wise transfers internationally, free Prop-to-Brokerage and Aeropay inside the United States.

Cons

  • Trustpilot rating of 3.6/5 across nearly 14,700 reviews, the lowest in our futures ranking.
  • Monthly subscription model: the cost keeps running until the evaluation is passed.
  • The Standard path adds a $149 activation fee per funded account obtained.
  • 50 % consistency target: a day exceeding half the objective raises that objective.
  • Overnight and weekend positions are prohibited, and allocation is capped at $150,000.

Challenges and pricing

Trading Combine — Standard Path

1 step
Account size Price Reset price Activation fee
50 K $49 — $149
100 K $99 — $149
150 K $199 — $149
Profit target
6 %
Max daily loss
—
Max total drawdown
4 %
Drawdown type
Trailing (end of day)
Min trading days
2
Time limit
Unlimited
Consistency rule
50 %
Refundable fee
No

Trading Combine — No Activation Fee Path

1 step
Account size Price Reset price Activation fee
50 K $95 — No
100 K $149 — No
150 K $229 — No
Profit target
6 %
Max daily loss
—
Max total drawdown
4 %
Drawdown type
Trailing (end of day)
Min trading days
2
Time limit
Unlimited
Consistency rule
50 %
Refundable fee
No

Trading rules

  • News trading —
  • Weekend holding No
  • Overnight holding No
  • Expert Advisors —
  • Copy trading —
  • Hedging —
  • Scalping —
  • KYC required Yes
Leverage
—
Spread type
—
Commission
—

Payouts

Profit split
90 %
Max profit split
90 %
First payout
5 days
Payout frequency
Sur demande : Express Funded Standard après 5 journées gagnantes à 150 $+ ; Express Funded Consistency après 3 journées de trading avec cible de consistance 40 %
Max allocation
150 K
Payout methods
Wise and Bank transfer

Scaling plan : Yes

Platforms and instruments

Platforms and instruments

NinjaTraderTradovateRithmic

Instruments

Futures

Accepted countries

Accepts traders from your country : Yes

Restricted countries

Afghanistan, Algeria, Angola, Belarus, Burkina Faso, Myanmar (Burma), Burundi, Côte d’Ivoire, Cuba, Congo - Kinshasa, Haiti, Iran, Iraq, Kenya, Kosovo, Lebanon, Libya, Mali, Morocco, Nicaragua, Nigeria, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Türkiye, Ukraine, Venezuela, and Yemen

KYC required : Yes

Score breakdown

Updated on

Trust and track record 25 % 80
Trading conditions 20 % 56
Payouts 20 % 94
Rules fairness 15 % 83
Pricing and value 10 % 89
Support and UX 10 % 55

How we score

Change history

  1. New sign-ups move to a 90/10 split. The historical 100 % rule on the first $10,000 of profits stays limited to accounts opened before this date.

Alternatives

Goat Funded Trader

Forex / CFDFuturesCryptoStocks

Entry price
$36
Profit split
100 %
Account sizes
400 K

Code FIRSTGFT — 50 % sur le premier compte (code FIRSTGFT) ; 40 % + BOGO avec le code BOGO40, au 28 aout 2026

Top One Futures

Futures

Entry price
$39
Profit split
90 %
Account sizes
150 K

Frequently asked questions

Is Topstep legit?
Topstep has been operating since 2012, which is a meaningful track record in an industry where most firms are younger than three years. Its Trustpilot rating stands at 3.6/5 across 14,680 reviews. We score it 77/100, with 80/100 on the trust and track record pillar specifically.
How much does a Topstep challenge cost?
The cheapest Topstep evaluation starts at $49. Account sizes range from 50 K to 150 K, and the fee scales with the size. The fee is not refundable.
How do Topstep payouts work?
The first withdrawal can be requested after 5 days on a funded account. Payouts are then Sur demande : Express Funded Standard après 5 journées gagnantes à 150 $+ ; Express Funded Consistency après 3 journées de trading avec cible de consistance 40 %. The trader keeps 90 % of profits. Available methods: Wise and bank transfer.
What drawdown rules apply at Topstep?
Topstep uses a trailing (end of day) drawdown. The maximum total loss is 4 % of the account. A trailing drawdown follows the account equity upward, so the loss threshold rises with your gains — check exactly when it updates before trading.
Does Topstep accept US traders?
Yes. Topstep does not list the United States among its restricted countries. It does exclude AF, DZ, AO, BY, BF, MM, BI, CI, CU, CD, HT, IR, IQ, KE, XK, LB, LY, ML, MA, NI, NG, KP, PK, RU, SO, SS, SD, SY, TR, UA, VE, and YE. Restriction lists change, so confirm on the firm's terms page before paying.
What are the main rules of the Topstep challenge?
There is no time limit to complete the evaluation phases. A 50 % consistency rule applies: no single day may exceed that share of total profit. A minimum of 2 trading days is required.

Sources