FundingPips vs Topstep: Which Prop Firm Is Better?
Traders choosing between FundingPips and Topstep face a decision between flexibility and payout speed. FundingPips eliminates minimum trading day requirements entirely, while Topstep offers daily payouts compared to FundingPips' unspecified schedule. This comparison examines their key differences across trading rules, payout structures, and operational practices. Both firms maintain strong reputations but serve different trading styles and priorities.
F
FundingPips
Est. 2022 · Dubai, UAE
4.5
48,000 reviews
VS
1 wins
4 ties
1 wins
T
Topstep
Est. 2012 · Chicago, USA
4.4
14,000 reviews
Feature
FundingPips
Topstep
Min Trading Days
None✓ No minimum
5 days
Time Limit (Phase 1)
No limit
No limit
Payout Split
N/A
50% (up to 90%)
Payout Frequency
N/A
daily✓ Faster payouts
Platforms
N/A
N/A
Max Account (Scaling)
N/A
N/A
FundingPips
Topstep
Pros
+Performance-based capital release structure with 20% initial access scaling to full balance
+Daily payout eligibility after 30 benchmark trading days with up to 90% profit split
+Performance bonus program offering over $250,000 in cash bonuses for consistent traders
+Dynamic risk expansion that adjusts daily loss limits as account balance grows
+Live Funded Account structure designed to help transition from simulated to live trading
Cons
−Must maintain account balance above $0 at all times or forfeit account
−Initial payout split limited to 50% until reaching 30 benchmark trading days
−Account automatically closed if inactive for 90 days
−All positions must be closed by 3:10 PM CT daily
−Protective stops required on every open position
Our Verdict
Which Should You Choose?
FundingPips suits traders who value maximum flexibility in their trading schedule, particularly those who prefer to trade without time constraints or minimum activity requirements. The absence of minimum trading days makes it ideal for swing traders, part-time traders, or anyone who wants to take positions and hold them without pressure to meet daily activity quotas.
Topstep is the clear winner for active traders who prioritize quick access to their profits, offering daily payouts that significantly outpace most competitors in the prop trading space. Combined with their 12-year track record since 2012, Topstep provides more operational certainty for traders who plan to scale quickly and need reliable, frequent withdrawals.
For most active day traders seeking consistent income, Topstep's daily payout frequency outweighs FundingPips' flexibility advantage, making it the stronger choice despite FundingPips' slightly higher Trustpilot rating of 4.5/5 versus 4.4/5.
Choose FundingPips if:
Choose Topstep if:
→Performance-based capital release structure with 20% initial access scaling to full balance
→Daily payout eligibility after 30 benchmark trading days with up to 90% profit split
→Performance bonus program offering over $250,000 in cash bonuses for consistent traders
→Dynamic risk expansion that adjusts daily loss limits as account balance grows
Disclaimer:This comparison is for informational purposes only. Prop firm rules change regularly — always verify current terms on each firm's official website before purchasing a challenge. This is not financial advice. Updated 2026-03-08.