When you can ask Topstep for a payout, from its own pages on 16 October 2026: XFA Standard: after 5 winning days of $150+, up to 50% of balance per request (capped by size); Live: daily after 30 winning days, according to TradingLookup's US Futures Prop Access Ledger (October 2026).
At a glance
- When you can ask
- XFA Standard: after 5 winning days of $150+, up to 50% of balance per request (capped by size); Live: daily after 30 winning days
5 winning days of $150+ Net P&L. Days don't need to be consecutive.
…Max Payout per request: 50% of your account balance up to the cap below.
…Once you've earned $150+ Net P&L on 30 non-consecutive days in your Live Funded Account, you unlock daily Payouts
· help.topstep.com, read - Payout minimum
- $125
Minimum Payout: $125
· help.topstep.com, read - Your split
- 90/10 (trader 90%)
90/10 profit split — you keep 90%
· help.topstep.com, read - How you're paid
- ACH and Aeropay (US banks), Wire/SWIFT, Wise (China, Canada, UK only), transfer to Topstep Brokerage (US); $30 processing fee shown for ACH example
Example (ACH, $500 request): $500 minus $50 (10% split) minus $30 (processing fee) = $420 received
…Wise is available again as a payout method for traders in China, Canada, and the United Kingdom.
…Aeropay is a Pay by Bank service for U.S. domestic Traders
· help.topstep.com, read - Consistency rule
- Trading Combine: 55% consistency target; XFA Consistency path: best day max 40% of net profit
Consistency Target: 55%
…Your largest single day cannot exceed 40% of your total net profit.
· topstep.com, help.topstep.com, read - News trading once funded
- Not stated on the pages we read
- Monthly fees once funded
- Not stated on the pages we read
Payout terms by account type
The figures Topstep gives for each account type, as the payout calculator uses them (pick Topstep in its firm list to run your own balance).
Express Funded
- Your split
- 90%
- Minimum payout
- $125
- Days before a payout
- 5 winning days of $150 or more
- Fee per payout
- $30
- Most you can request
- 50% of balance per request
you keep 90%
· help.topstep.com, readMinimum Payout: $125
· help.topstep.com, read5 winning days of $150+
· help.topstep.com, read50% of your account balance
· help.topstep.com, read$30 (processing fee)
· help.topstep.com, read
Rules that can stop a payout
These are the rules most likely to delay or cancel a payout request. Breaking a loss limit usually closes the account outright.
- Consistency rule
- Trading Combine: 55% consistency target; XFA Consistency path: best day max 40% of net profit
Consistency Target: 55%
…Your largest single day cannot exceed 40% of your total net profit.
· topstep.com, help.topstep.com, read - Consistency: Express Funded (consistency path)
- No single day above 40% of profit (checked at payout)
cannot exceed 40% of your total net profit
· topstep.com, read - Drawdown
- end-of-day trailing: Max Loss Limit trails the highest end-of-day balance (set at the end of each day); Express Funded locks at $0, its starting balance
This limit is based on your highest end-of-day balance and does not go down if you lose money the next day.
…If your Max Loss Limit balance increases to $0, your account will lock at $0.
…Account balance high - maximum drawdown = Maximum Loss Limit (which is set at the end of each day)
· topstep.com, topstep.com, read
Check a day against the rule with the consistency rule calculator.
News trading
Not stated on the pages we read.
Fees before your first payout
- Activation fee
- Standard path: $149 one-time per XFA; No Activation Fee path: none
Standard Path $149 one-time activation fee per XFA No Activation Fee Path No activation fee
· help.topstep.com, read - Monthly fees once funded
- Not stated on the pages we read
Prices and the full cost to a funded account are on the Topstep facts page.
How often Topstep says it pays
- Funded-level participants who received a payout
- 33.3% · Jan–Dec 2025 · base: people at the Funded Level (Express Funded + Live Funded accounts)
(c) 33.3% of all individual participants at the Funded Level received a payout … The Funded Level includes both Express Funded Accounts and Live Funded Accounts
· topstep.com, read
Not stated on the pages we read
Monthly fees once funded. That means we couldn't find it, not that there's no rule. Ask Topstep before you rely on it.
Other firms' payout rules
- Alpha Futures payout rules
- Apex Trader Funding payout rules
- Aqua Futures payout rules
- Earn2Trade payout rules
- Elite Trader Funding payout rules
- FundedNext Futures payout rules
- Lucid Trading payout rules
- MyFundedFutures payout rules
- OneUp Trader payout rules
- Phidias payout rules
- Take Profit Trader payout rules
- The Trading Pit (futures) payout rules
- Top One Futures payout rules
- TradeDay payout rules
- Tradeify payout rules
All 16 firms in one table: prop firm payout rules compared.
Pages we read
- help.topstep.com/en/articles/8284233-topstep-payout-policy
- topstep.com/topstep-prop
- help.topstep.com/en/articles/8284217-express-funded-account-activation
- topstep.com/express-funded-account-rules
Method, limits and the CSV: US Futures Prop Access Ledger. Firm's website: topstep.com. Spotted a mistake, or represent Topstep? Tell us; fixes go on the corrections page.