Fill88 vs Topstep: Head-to-Head Comparison (2026)
Verdict: Who Wins?
Fill88
4 wins
Topstep
4 wins
Best For:
Fill88
Topstep
Topstep
Visual Comparison
Head-to-Head Comparison
| Fill88 | Metric | Topstep |
|---|---|---|
| 5.3/10 | PFM Score | 7.9/10 ★ |
| 3.7/5 (1) ★ | TrustPilot | 3.6/5 (14,657) |
| C | Safety Grade | A ★ |
| 35.5 F | Trust Score | 75 B+ ★ |
| 80% | Profit Split | 90% ★ |
| 4% of account value per day on Launch (1-Step), Ascend (1-Step Advanced) and Summit (2-Step); none at all on Spark (Instant Funding), which has no separate daily limit. On the three evaluation programs the daily loss limit is recalculated at 17:00 EST on the higher of balance or equity. | Daily Drawdown | $2,000 max loss limit ($50K) / $3,000 ($100K) / $4,500 ($150K) |
| On-demand | Payout Frequency | On-demand |
| $39 ★ | Starting Price | $49 |
| White-Label | Technology | Proprietary |
| cTrader, Match Trader, MT5 | Platforms | Topstep X |
| No | Direct Path to Funded | Yes |
| Jersey | Country | United States |
| - | Established | Jan 2010 |
| 22 options | Challenge Options | 3 options |
Price Comparison by Account Size
Cheapest challenge price at each account size (where both firms offer the same size)
| Account Size | Fill88 | Topstep | Savings |
|---|---|---|---|
| $50K | $114 | $49 ★ | Save $65 |
| $100K | $219 | $99 ★ | Save $120 |
Fill88 vs Topstep: Detailed Analysis
Fill88 and Topstep are both CFD firms.
Pricing
In terms of pricing, Fill88 is more affordable with challenges starting at $39, which is $10 less than Topstep's starting price of $49. Fill88 offers 22 challenge options, while Topstep offers 3.
Account Sizes
On account sizing, Fill88 offers account sizes from $5 to $125 across 6 funding tiers, while Topstep offers account sizes from $50 to $150 across 3 funding tiers. Picking the right tier matters because both the entry cost and the maximum capital you can scale to are tied to the account size you start with.
Trading Platforms
For trading platforms, Fill88 supports cTrader, Match Trader and MT5, while Topstep runs on Topstep X. If you already trade on a specific platform, this can be the deciding factor between the two.
Profit Split & Payouts
Fill88 offers 80% profit split, while Topstep offers 90%. Fill88 pays out On-demand, and Topstep pays out On-demand.
Risk & Drawdown Rules
Risk rules are a key difference for funded traders: Fill88 lists its daily drawdown as "4% of account value per day on Launch (1-Step), Ascend (1-Step Advanced) and Summit (2-Step); none at all on Spark (Instant Funding), which has no separate daily limit. On the three evaluation programs the daily loss limit is recalculated at 17:00 EST on the higher of balance or equity.", while Topstep lists "$2,000 max loss limit ($50K) / $3,000 ($100K) / $4,500 ($150K)". Always confirm the drawdown type before buying, since a trailing rule behaves very differently from a static end-of-day one.
Payout Methods
When it comes to getting paid, Fill88 supports withdrawals via Crypto and Wire Transfer, while Topstep pays out through Wise, ACH and International Wire / SWIFT.
Trust & Safety
For trust and reputation, Fill88 has a 3.7/5 TrustPilot rating with 1 reviews, while Topstep has 3.6/5 with 14,657 reviews. Safety grades: Fill88 C, Topstep A.
Who Should Choose Which
So who should pick which? Fill88 is the stronger choice for budget-conscious traders, while Topstep is the better fit for maximum profit potential and trust & reputation.
This is a close matchup with Fill88 winning 4 and Topstep winning 4 of the categories we compared. The right choice depends on what matters most to you as a trader.
Pros & Cons
Fill88
Pros
Cons
Topstep
Pros
Cons
Active Deals & Promo Codes
Fill88
No active deals
Topstep
Frequently Asked Questions
Which is better, Fill88 or Topstep?
Both firms are competitive. Fill88 wins in 4 categories while Topstep wins in 4. The best choice depends on what you prioritize: pricing, profit split, trust ratings, or payout speed.
Which is cheaper, Fill88 or Topstep?
Fill88 has the lower starting price at $39. Fill88 offers 22 challenge options starting from $39, while Topstep offers 3 options starting from $49.
Which has better reviews, Fill88 or Topstep?
Fill88 has a higher TrustPilot rating of 3.7/5. Fill88 has 1 reviews while Topstep has 14,657.
Which offers a higher profit split, Fill88 or Topstep?
Topstep offers a higher maximum profit split. Fill88 offers 80% while Topstep offers 90%.
How fast do Fill88 and Topstep pay out?
Fill88 has On-demand payouts while Topstep offers On-demand payouts. Payout speed can be an important factor when choosing a prop firm.
Are Fill88 and Topstep legit?
Both firms have been independently verified by PropFirmMap. Fill88 holds a C safety grade and a 3.7/5 TrustPilot rating. Topstep holds a A safety grade and a 3.6/5 TrustPilot rating. Safety grades are based on payout history, community trust signals, and regulatory transparency.
Which is better for beginners, Fill88 or Topstep?
Fill88 may be more accessible for beginners due to its lower entry price. When starting out, consider challenge cost, drawdown rules, and profit split. Use the comparison table above to find which firm fits your experience level and risk tolerance.
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