Funding Pips vs Topstep: Head-to-Head Comparison (2026)
Funding Pips
8.9 A+
CFD
Topstep
8.0 A
Futures
Verdict: Who Wins?
Funding Pips
7 wins
Decisive Win
Topstep
1 wins
Best For:
Funding Pips
Funding Pips
Topstep
Funding Pips
Visual Comparison
Save 25% on Funding Pips today
Head-to-Head Comparison
| Funding Pips | Metric | Topstep |
|---|---|---|
| 8.9/10 ★ | PFM Score | 8.0/10 |
| 4.5/5 (52,621) ★ | TrustPilot | 3.5/5 (14,272) |
| A+ ★ | Safety Grade | A |
| 73.7 B+ | Trust Score | 74.5 B+ ★ |
| 80-100% ★ | Profit Split | 90% |
| 3% (Zero/2-Step Pro), 4% (1-Step), 5% (2-Step Standard) | Daily Drawdown | No daily loss limit on Standard plan. Max Loss Limit: $2,000 (50K) / $3,000 (100K) / $4,500 (150K) trailing EOD from highest balance. Optional DLL add-on: $1,000 / $2,000 / $3,000. |
| Weekly | Payout Frequency | On-demand |
| $29 ★ | Starting Price | $49 |
| Proprietary | Technology | Proprietary |
| cTrader, Match Trader, MT5 | Platforms | Topstep X |
| No | Direct Path to Funded | Yes |
| United Arab Emirates | Country | United States |
| Oct 2022 | Established | Jan 2010 |
| 21 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 | Funding Pips | Topstep | Savings |
|---|---|---|---|
| $50K | $219 | $49 ★ | Save $170 |
| $100K | $399 | $99 ★ | Save $300 |
Funding Pips vs Topstep: Detailed Analysis
Funding Pips and Topstep are both CFD firms. Topstep has been in business longer, established in 2010, while Funding Pips was founded in 2022.
Pricing
In terms of pricing, Funding Pips is more affordable with challenges starting at $29, which is $20 less than Topstep's starting price of $49. Funding Pips offers 21 challenge options, while Topstep offers 3.
Account Sizes
On account sizing, Funding Pips offers account sizes from $5 to $200 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, Funding Pips 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
Funding Pips offers 80-100% profit split, while Topstep offers 90%. Funding Pips pays out Weekly, and Topstep pays out On-demand.
Risk & Drawdown Rules
Risk rules are a key difference for funded traders: Funding Pips lists its daily drawdown as "3% (Zero/2-Step Pro), 4% (1-Step), 5% (2-Step Standard)", while Topstep lists "No daily loss limit on Standard plan. Max Loss Limit: $2,000 (50K) / $3,000 (100K) / $4,500 (150K) trailing EOD from highest balance. Optional DLL add-on: $1,000 / $2,000 / $3,000.". 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, Funding Pips supports withdrawals via Rise, Crypto and Wire Transfer, while Topstep pays out through Wise, ACH and International Wire / SWIFT.
Trust & Safety
For trust and reputation, Funding Pips has a 4.5/5 TrustPilot rating with 52,621 reviews, while Topstep has 3.5/5 with 14,272 reviews. Safety grades: Funding Pips A+, Topstep A.
Who Should Choose Which
So who should pick which? Funding Pips is the stronger choice for budget-conscious traders, maximum profit potential and fast payouts, while Topstep is the better fit for trust & reputation.
Overall, Funding Pips edges ahead winning 7 out of 8 categories we compared. However, the best choice depends on your specific needs - both firms have their strengths.
Pros & Cons
Funding Pips
Pros
Cons
Topstep
Pros
Cons
Active Deals & Promo Codes
Funding Pips
Topstep
Frequently Asked Questions
Which is better, Funding Pips or Topstep?
Funding Pips scores higher overall, winning 7 out of 8 comparison categories including Overall Rating, TrustPilot, Starting Price. However, the best choice depends on your trading goals and priorities.
Which is cheaper, Funding Pips or Topstep?
Funding Pips has the lower starting price at $29. Funding Pips offers 21 challenge options starting from $29, while Topstep offers 3 options starting from $49.
Which has better reviews, Funding Pips or Topstep?
Funding Pips has a higher TrustPilot rating of 4.5/5. Funding Pips has 52,621 reviews while Topstep has 14,272.
Which offers a higher profit split, Funding Pips or Topstep?
Funding Pips offers a higher maximum profit split. Funding Pips offers 80-100% while Topstep offers 90%.
How fast do Funding Pips and Topstep pay out?
Funding Pips has Weekly payouts while Topstep offers On-demand payouts. Payout speed can be an important factor when choosing a prop firm.
Are Funding Pips and Topstep legit?
Both firms have been independently verified by PropFirmMap. Funding Pips holds a A+ safety grade and a 4.5/5 TrustPilot rating. Topstep holds a A safety grade and a 3.5/5 TrustPilot rating. Safety grades are based on payout history, community trust signals, and regulatory transparency.
Which is better for beginners, Funding Pips or Topstep?
Funding Pips 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.
More Comparisons
Not sold on either? Explore alternatives
See the closest-matched prop firms ranked head-to-head against each contender, with live 2026 prices and safety grades.