Topstep and FunderPro are both funded evaluation firms, but they serve fundamentally different trader profiles. Topstep, founded in 2012 in Chicago, is the original name in CME futures-based prop trading. It operates exclusively on CME Group markets, has distributed more than $1 billion to funded traders, holds a 3.4/5 Trustpilot rating from over 13,800 reviews, and channels all traders through a single proprietary platform – TopstepX. FunderPro, launched in February 2023 and headquartered in Malta, is a multi-asset CFD firm built around its Daily Rewards flagship feature, which allows funded traders to withdraw profits every day. It offers four program types – One Phase, Classic (2-Phase), Pro (2-Phase), and Instant Funding – across account sizes from $5,000 to $200,000 with scaling to $5,000,000. Where Topstep’s 100% first-$10K profit structure rewards early performance, FunderPro’s daily payout frequency and 90% split (with add-on) suit traders who prioritise cash-flow consistency. Topstep is futures-only; FunderPro covers forex, indices, commodities, crypto, and stocks via TradeLocker, cTrader, and MetaTrader 5. The key trade-off: Topstep offers deeper CME futures infrastructure and community; FunderPro offers multi-asset breadth, daily payouts, and a faster scaling path to $5M.
Choose Topstep if you want a shorter evaluation at 1 phase, a lower 5-day minimum and a cheaper entry, from USD 49. Choose FunderPro if a larger funded ceiling at $5M, a demo account to test the platform first and coverage of stocks and cryptocurrencies 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 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 Topstep and FunderPro?
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.
Classic and One-Phase have biweekly rewards and a $100 minimum profit requirement. Pro offers daily rewards at a 60% share or weekly rewards at 90%, with a minimum profit requirement of 1% of initial balance. FunderPro official rules; FunderPro official program information.
Which account rules matter when comparing Topstep and FunderPro?
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 Topstep or FunderPro automatically the better choice?
No. Each firm wins on a different axis. Topstep has the shorter evaluation at 1 phase and the lower 5-day minimum. FunderPro has the larger funded ceiling at $5M and market access the other lacks, namely stocks and cryptocurrencies. 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 Topstep and FunderPro
Both firms on this page carry a JoinProp Rating out of 10. We produce that rating with the same 9-factor methodology we apply to every firm we review: payout reliability (20%), fee structure (15%), drawdown rules (15%), profit split (15%), evaluation terms (10%), trading rules (10%), support access and responsiveness (5%), scaling plan (5%), and track record and transparency (5%).
The inputs come from our firm reviews, not from this page. For each firm we work from the current terms and conditions rather than marketing pages, track rule and pricing changes over time, and read payout and support reports across Trustpilot, Reddit and Discord, looking for recurring patterns rather than isolated complaints. Every firm is re-checked at least every 90 days, or sooner after a material change. Affiliate relationships have no effect on any rating, and ratings are never sold.
The tables above show the evidence behind those factors. A few rows, including trading platforms, available instruments, maximum account size and demo availability, are there to help you judge fit and do not affect either rating.
