Topstep vs Apex Trader Funding: Which Prop Firm Is Better in 2026?
Both firms' numbers come from their verified data records - see how our ratings work.
Topstep
57/100
Read the full Topstep review →
Apex Trader Funding
61/100
Higher BPF Score
Read the full Apex Trader Funding review →
Quick Verdict
Apex Trader Funding edges out Topstep with an overall score of 61 to 57, making it the winner in this futures-only matchup. Apex earns its higher mark through stronger evaluation challenge design (score 80 vs 75) and tighter spreads (80 vs 70), plus a 100% maximum profit split. Topstep fights back with superior trust (90 vs 70), a broader platform lineup including TopstepX and TradingView, and an on-demand payout schedule that can deliver funds in as little as 3 days. The deciding factor comes down to what you value most: Apex delivers the highest split and flexible drawdown models at a low effective cost during sales, while Topstep provides a more established, transparent environment with faster payout rhythms. Choose Topstep if institutional-grade trust and rapid access to profits outweigh the appeal of a perfect split.
Topstep vs Apex Trader Funding at a Glance
| Attribute | Topstep | Apex Trader Funding |
|---|---|---|
| BPF Score | 57/100 | 61/100 |
| Market | Futures | Futures |
| Founded | 2012 | 2021 |
| Trustpilot | 3.6/5 (14,693 reviews) | 4.2/5 (20,879 reviews) |
| Cheapest challenge | $49 | $167 |
| Max profit split | 90% | 100% |
| Payout processing | 1-3 business days | 3-4 business days |
| Platforms | TopstepX, NinjaTrader, TradingView, Tradovate, Quantower, T4 | Rithmic, Tradovate, WealthCharts, NinjaTrader, RTrader Pro |
Category Scores Compared
Left bar: Topstep (teal). Right bar: Apex Trader Funding (indigo).
Who should choose Topstep?
Choose Topstep if you are a futures trader who prizes a long track record and maximum trust. Topstep, founded in 2012, scores 90 for trust and offers a choice between Standard and No Activation Fee evaluation paths. You get on-demand payouts in as little as 3 days with 1-3 business day processing, a 90% split, and access to an extensive platform suite including TopstepX, TradingView, NinjaTrader, and Quantower. This firm suits traders who want structured risk rules, flexible subscription models, and a proven operational history over chasing the highest possible split.
Who should choose Apex Trader Funding?
Choose Apex Trader Funding if you are an experienced futures trader seeking a 100% payout split and one-time evaluation fees that become extremely affordable during frequent 70-90% off sales. Apex provides flexible drawdown models - choose EOD or intraday trailing - and supports multiple vendor platforms including Rithmic and Tradovate. You must be comfortable with a 50% payout consistency rule, a 5 qualifying trading day requirement, and a 3-4 business day processing window. This firm is ideal for profit-maximizers who can navigate stricter payout rules and prefer a non-recurring fee structure.
Frequently Asked Questions
Is Topstep better than Apex Trader Funding?
Based on overall score, Apex Trader Funding rates 61 against Topstep's 57, giving Apex a narrow edge. However, Topstep leads in trust and platform variety, while Apex wins on split percentage and evaluation design. The better firm depends on whether you prioritize a 100% split and flexible drawdowns or faster on-demand payouts and a longer industry track record.
Which is cheaper, Topstep or Apex Trader Funding?
Topstep's cheapest recurring fee is $49 per month on the Standard path, with a $149 activation fee when funded. Apex Trader Funding lists a one-time fee of $167, but frequent sales slash that by 70-90%, often making the effective cost far lower. Over time, Apex's one-time model can be cheaper if you catch a sale, while Topstep offers a lower initial monthly outlay.
Which pays out better, Topstep or Apex Trader Funding?
Apex Trader Funding offers a 100% split versus Topstep's 90%, but Topstep provides on-demand payouts in as little as 3 days with 1-3 business day processing. Apex requires 5 qualifying trading days, a 50% consistency rule, and 3-4 business days to process. Topstep wins on payout speed and flexibility; Apex wins on the maximum split percentage.