- Ranked #37 of 90
- Futures
- Since 2012 ·
US
Topstep Review 2026, Our Verdict in Numbers
We score Topstep 4.0/5, which puts it #37 of the 90 firms we rank; traders give it 3.6/5 on Trustpilot across 14,870 reviews. It is a US-based futures prop firm and has sold challenges for 14 years. It ranks #37 mainly because it blocks 35 countries (countries accepted 71/100). Its best mark is payouts & split, at 92/100. It stands out for keeping costs down (it undercuts 87% of futures firms on price per $1K of max loss) and 14 years of operating history. Pass on it if you need a funded account on day one.
keeping costs down (it undercuts 87% of futures firms on price per $1K of max loss); 14 years of operating history.
you need a funded account on day one; a moving floor bothers you (every account runs end-of-day trailing drawdown); you would rather pay once than subscribe every month.
across 14,870 Trustpilot reviews
its best split; the median across 90 firms is 80%
roughly 992,790 monthly Google searches for its name
has operated longer than 99% of tracked firms
- Entry price
- $49/moplus $149 when you pass
- Sizes
- $50K–$150K
- Top split
- 90%
- Payout cycle
- 5 profitable days
- Blocked countries
- 35
How Topstep scores
Topstep does best on firm popularity and payouts & split and worst on trader reviews.
That puts it #37 overall out of 90, and #5 among the 30 firms selling futures accounts.
Brand demand: people search Google for Topstep about 992,790 times a month worldwide (Ahrefs data). ⓘ
How Topstep prices compare with other futures firms
For each $10K of buying power, Topstep charges a median of $21.10, which beats 87% of futures firms. Its cheapest account costs $49 a month, plus $149 once you pass. With no fee after passing, accounts start at $95 a month. Per $1K of maximum loss, one of the two inputs of our cost score, it charges $64.11 at the median, less than 87% of futures firms. The other input is the cheapest all-in way to get funded, $95 a month.
Topstep accounts and what they cost
Cost at each account size
$100K 1-Step account drawn to scale
| Account | Program | Price | Target | Daily | Max | Drawdown | Split |
|---|---|---|---|---|---|---|---|
| $50K | 1-StepStandard - 1-Step 50K | $49/mo | 6% | — | 4% | End-of-day trailing | 90% |
| $50K | 1-StepNo Activation Fee - 1-Step 50K | $95/mo | 6% | — | 4% | End-of-day trailing | 90% |
| $100K | 1-StepStandard - 1-Step 100K | $99/mo | 6% | — | 3% | End-of-day trailing | 90% |
| $100K | 1-StepNo Activation Fee - 1-Step 100K | $149/mo | 6% | — | 3% | End-of-day trailing | 90% |
| $150K | 1-StepStandard - 1-Step 150K | $199/mo | 6% | — | 3% | End-of-day trailing | 90% |
| $150K | 1-StepNo Activation Fee - 1-Step 150K | $229/mo | 6% | — | 3% | End-of-day trailing | 90% |
Trading rules at Topstep
- Daily loss cap
- —
- Overall loss cap
- 3–4%
- Drawdown type
- End-of-day trailing
- Profit target
- 6%
- Fewest trading days
- 2
- Best-day cap
- Not on the default payout route; 40% on the optional consistency route
- Trader share
- 90%
- Quickest payout cycle
- After 5 profitable days
- Smallest withdrawal
- $125 or more
- Fee once you pass
- as much as $149
Topstep measures drawdown as end-of-day trailing across its 6 accounts. No account has a fixed (static) loss cap. The most lenient account needs 2 trading days.
These numbers come from the firm's own terms, which change frequently. Double-check them on its website before you pay.
Getting paid by Topstep
Payouts at Topstep come after 5 profitable days, and your share reaches 90%. Money is sent by ACH, Aeropay, Bank Wire Transfer, Prop-to-Brokerage and Wise. Before you can ask for money, you need 5 winning days, each worth $150 or more. An optional route swaps those terms for a 40% consistency rule.
- How often you get paid
- After 5 profitable days
- Your profit share
- 90%
- Smallest withdrawal
- $125
- Paid out via
- ACHAeropayBank Wire TransferProp-to-BrokerageWise
- Conditions to withdraw
- 5 winning days, each worth $150 or more
- Best-day cap
- Not on the default payout route; 40% on the optional consistency route
- Ways to buy a challenge
- Credit/Debit Card
Countries Topstep accepts and blocks
Traders from 16 of the 20 markets we profile can sign up with Topstep; Nigeria, Pakistan, Kenya and Turkey cannot. In total, 35 countries are on its blocked list.
United States ✓
India ✓
United Kingdom ✓
South Africa ✓
Canada ✓
Australia ✓
United Arab Emirates ✓
Malaysia ✓
Philippines ✓
Indonesia ✓
Germany ✓
Singapore ✓
Ghana ✓
Bangladesh ✓
Vietnam ✓
Brazil ✓
Nigeria ✕
Pakistan ✕
Kenya ✕
Turkey ✕Full blocked list (35)
Afghanistan
Algeria
Angola
Belarus
Burkina Faso
BurundiChinese Military Companies
Cote d'Ivoire (Ivory Coast)
Cuba
Darfur
Democratic Republic of the Congo (Congo Free State)
Haiti
Iran
IraqKenya
Kosovo
Lebanon
Libya
Mali
Morocco
Myanmar (Burma)
NicaraguaNigeria
North KoreaNorth of Black SeaPakistan
Russia
Somalia
South SudanSudan
SyriaTurkey
Ukraine
Venezuela
YemenWhat you can trade, and where
Trading platforms
Instruments
Topstep on Trustpilot: how traders rate it
- Negative reviews answered
- 5.7% of 1,837
- Typical response time
- 7.9 days
- Claimed by the company
- Dec 2020
- Asks customers for reviews
- Yes
On Trustpilot, Topstep collects 70% five-star and 19% one-star ratings. Scan the most recent one-star reviews on Trustpilot before you buy. Because the firm actively asks customers for reviews, its five-star share is likely pushed up. The high-risk investment label on the profile is a standard Trustpilot notice for trading businesses, not a verdict on this firm.
Figures taken from the public Trustpilot page on September 29, 2026. We display the ratings, never the review texts.
Traded with Topstep? Email us your experience with a purchase or payout screenshot; the address is on our contact page. Verified reports help us keep this review accurate.
Topstep: strengths and drawbacks
Strengths
- You keep up to 90% of profits
- Withdrawals after 5 profitable days
- Permits news trading, EAs and copy trading
- Operating for 14+ years
Drawbacks
- No account offers a fixed loss floor
- Only one platform to trade on (TopstepX)
- Passing can cost up to $149 more as an activation fee
- Billed as a recurring monthly subscription
Firms similar to Topstep
Our method for this Topstep review
Account data, prices and rules come from aggregated public comparison data, which is drawn from Topstep's own pricing pages and terms. The trader rating is a Trustpilot snapshot from September 29, 2026. The score follows the formula on our methodology page, and affiliate payments never move it.
Questions traders ask about Topstep
Is Topstep a legitimate prop firm?
Topstep operates from the United States, and it has sold evaluations for roughly 14 years. Trustpilot users give it 3.6/5 across 14,870 reviews. Our checks turned up no public warnings.
How fast does Topstep pay out?
On its quickest accounts, Topstep pays after 5 profitable days and lets you keep up to 90% of the profit; withdrawals start at $125. Money goes out by ACH, Aeropay, Bank Wire Transfer and Prop-to-Brokerage. For customer experience with payouts, see the Trustpilot breakdown above.
Does Topstep accept US traders?
Yes. In our data, the US is not among the countries Topstep blocks.
What does a $50K Topstep account cost?
At list price, before any promo code, the 1-Step costs $49 a month (then $149 once you pass).
What daily drawdown does Topstep allow?
Most accounts carry no daily cap at all. Over the life of the account you can lose 3–4%, tracked as end-of-day trailing drawdown.
Is there a consistency rule at Topstep?
Not on its default payout route. All 6 accounts offer an optional route that caps your best day at 40% of total profit.
Is there an activation fee at Topstep?
Yes. 3 accounts charge $149 to activate once you pass.
Last data check: October 5, 2026. Based on firm pricing pages and terms, public review platforms and aggregated public comparison data (Sep 2026). Spotted a mistake? Let us know.