OFP Funding vs Topstep: Comprehensive Comparison
Published: · Last updated:
OFP Funding vs TopStep: Comprehensive Comparison
Introduction
OFP Funding and TopStep are two prominent proprietary trading firms that provide funded trading accounts to aspiring futures traders. OFP Funding (Online Funded Prop) has established itself as a modern, trader-friendly prop firm offering flexible evaluation programs with competitive profit splits and straightforward rules. TopStep, founded in 2012, is one of the industry pioneers with over a decade of experience, having funded thousands of traders and paid out millions in profits. TopStep maintains a strong reputation with a Trustpilot rating of approximately 4.3/5 from over 1,000 reviews, while OFP Funding has been building its reputation as a newer entrant with competitive offerings and trader-centric policies. Both firms offer traders the opportunity to trade with significant capital without risking their own money, but they differ in their evaluation processes, pricing structures, and trading rules.
Quick Facts
| Feature | OFP Funding | Topstep |
|---|---|---|
| 
| |
| Founded | 2022 | 2012 |
| Profit Split | 95 | 90% trader share; first-$10,000 lifetime-profit exception for traders who joined the new dashboard before Jan 12, 2026 |
| Maximum Account Size | $300,000 | $150,000 |
| Evaluation Phases | 0 | 1 |
| Trustpilot Rating | 3.6 | 3.4 |
| Expert Grade | 8.3 | 9 |
Program Types
| Program | OFP Funding | Topstep |
|---|---|---|
| Entry Level Program | Yes | Yes |
| Advanced Program | Yes | Not available |
| Scaling Options | Yes | No |
| Demo Account | No | No |
Rules & Assessment
| Criteria | OFP Funding | Topstep |
|---|---|---|
| Profit Target | No | Trading Combine Parameters - 50,000: 3,000 Trading Combine Parameters - 100,000: 6,000 Trading Combine Parameters - 150,000: 9,000 |
| Maximum Drawdown | 10 | Trailing MLL: $2,000-$4,500 |
| Minimum Trading Days | Not available | Trading Combine can pass in as few as 2 days, subject to 55% consistency; funded payout paths have separate day requirements |
| News Trading | Yes | Yes |
| Daily Loss Limit | Not available | Trading Combine Parameters - 50,000: Optional (1,000) Trading Combine Parameters - 100,000: Optional (2,000) Trading Combine Parameters - 150,000: Optional (3,000) |
| Maximum Contracts | Not available | Trading Combine Parameters - 50,000: 5 (50 micros) Trading Combine Parameters - 100,000: 10 (100 micros) Trading Combine Parameters - 150,000: 15 (150 micros) |
Fees & Pricing
| Option | OFP Funding | Topstep |
|---|---|---|
| CFD $50K Account | Lite Account / USD 150 (80% split) / 180 (100% split) / One-time Official OFP Lite Account selector. Includes 5% overall drawdown, 3% daily drawdown and no consistency rule. Prices shown for 80% and optional 100% profit split; discounts excluded. Avg payout shown: $2,084. Source Checked 2026-08-11 | Not listed in review pricing source |
| CFD $100K Account | Lite Account / USD 200 (80% split) / 240 (100% split) / One-time Official OFP Lite Account selector. Includes 5% overall drawdown, 3% daily drawdown and no consistency rule. Prices shown for 80% and optional 100% profit split; discounts excluded. Avg payout shown: $4,965. Source Checked 2026-08-11 | Not listed in review pricing source |
| CFD $200K Account | Lite Account / USD 390 (80% split) / 468 (100% split) / One-time Official OFP Lite Account selector. Includes 5% overall drawdown, 3% daily drawdown and no consistency rule. Prices shown for 80% and optional 100% profit split; discounts excluded. Avg payout shown: $8,102. Source Checked 2026-08-11 | Not listed in review pricing source |
| Futures $50K Account | Not listed in review pricing source | Trading Combine / USD 49 / Monthly Standard Trading Combine monthly price. Source Checked 2026-08-10 |
| Futures $100K Account | Not listed in review pricing source | Trading Combine / USD 99 / Monthly Standard Trading Combine monthly price; tier was marked temporarily on hold when verified. Source Checked 2026-08-10 |
| Futures $150K Account | Not listed in review pricing source | Trading Combine / USD 199 / Monthly Standard Trading Combine monthly price. Source Checked 2026-09-27 |
| Refund Policy | No | Not available |
| Coupons / Discount | OFP Funding discount | Topstep discount |
Platforms & Markets
| Feature | OFP Funding | Topstep |
|---|---|---|
| Trading Platforms | Match-Trader, cTrader, TradeLocker | TopstepX; Quantower connectivity for Trading Combine and Express Funded accounts |
| Forex | Yes | Currency futures, not spot Forex |
| Stocks | No | No |
| Indices | Yes | Yes |
| Commodities | Yes | Yes |
| Cryptocurrencies | Yes | No |
| Bonds | No | Yes |
| EA/Algo Trading | Yes | Yes |
Payout
| Feature | OFP Funding | Topstep |
|---|---|---|
| Payout Terms | Bi-weekly, first withdrawal after 4 days | $125 minimum; eligibility by funded-account path, not a bi-weekly schedule. XFA Standard: 5 winning days of $150+; XFA Consistency: 3 trading days and 40% consistency. Balance limits, account caps and method availability apply. |
| See all prop firm payouts → | ||
Verdict
| Key Element | OFP Funding | Topstep |
|---|---|---|
| Strengths | Instant funding, No evaluation, Configurable daily loss limits, Up to 95% profit split, Wide platform selection, 4-day first payout, Scale to $5M | Trading Combine has no maximum completion deadline while the subscription remains active; automated strategies permitted subject to rules; 90% current trader share; Standard or Consistency Express payout paths. Daily-loss-limit arrangements vary. |
| Weaknesses | 20% inconsistency score rule causes majority of denials, Trustpilot 3.6/5 with 23%+ one-star reviews, Widespread payout denial complaints | Recurring Combine subscription; $149 XFA activation on Standard pricing path; futures-only; end-of-day trailing MLL can be breached intraday on unrealised losses |
| Best For | Experienced traders wanting immediate capital access without challenge phases | Serious futures traders seeking established firm with forgiving evaluation |
Conclusion and Final Recommendation
Choose OFP Funding – Firm Review if you want a larger funded ceiling at $300K, a shorter evaluation at 0 phase and coverage of cryptocurrencies that the other does not offer. Choose Topstep if a cheaper entry, from USD 49 and coverage of bonds that the other does not offer matter more to you. Neither firm is better in the abstract. The right choice depends on your strategy, your budget and the instruments you trade, so read both full reviews before you commit. Verify current rules and pricing on each firm’s own site before purchasing.
Frequently asked questions
What should I know about OFP Funding’s programs?
OFP currently displays both Instant Mode and Challenge Mode. It should not be described as universally having no evaluation across all products. OFP Funding official rules.
What should I know about Topstep’s programs?
Topstep distinguishes Express Funded Account Standard and Consistency paths, followed by a separate Live Funded Account stage. Topstep official rules.
How do payouts differ between OFP Funding and Topstep?
The displayed Lite configuration shows an 80% share and a monthly payout day. Other configurations can differ; use the selected program’s conditions rather than a single biweekly or on-demand claim for the whole firm. OFP Funding official rules.
The current payout policy lists a 90/10 split and a $125 minimum. Standard requires five winning days of $150 or more; Consistency requires three days and a 40% consistency target. Requests are subject to account-size caps. Topstep official rules.
Which account rules matter when comparing OFP Funding and Topstep?
The displayed Lite configuration lists 3% daily and 5% overall drawdown, five minimum trading days and a 30-day account duration. An Instant label does not mean unrestricted withdrawals. OFP Funding official rules.
Express payouts are generally limited to 50% of account balance up to the applicable cap. Legacy eligibility and optional daily-loss-limit arrangements can change the caps or split treatment. Topstep official rules.
Is OFP Funding or Topstep automatically the better choice?
No. The two firms lead on different things: OFP Funding – Firm Review has the larger funded ceiling at $300K and the shorter evaluation at 0 phase, while Topstep has the cheaper entry at USD 49 and market access the other lacks, namely bonds. Which of those matters more depends on how you actually trade, so compare how each firm measures drawdown, the total fee once add-ons and resets are included and the evaluation objectives for the exact program you buy, rather than the headline numbers. If you fail an evaluation, do not assume either firm offers a fixed reset discount: check the reset terms for the specific account you bought.
How We Compared OFP Funding and TopStep
Both firms carry a JoinProp Rating out of 10, scored on the same nine weighted factors, led by payout reliability at 20%, then fee structure, drawdown rules and profit split at 15% each. The scores come from our own firm reviews, built from each firm’s current terms rather than its marketing pages and re-checked at least every 90 days. Affiliate relationships have no effect on any rating, and ratings are never sold. The tables above are the evidence behind those scores. Read our full ranking methodology.
View More Elite Prop Firms Compared: The5ers vs FTMO
