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FXIFY vs Topstep
The Ultimate Head-to-Head Showdown
At a Glance
4.6 / 5.0
Trader Satisfaction
4.5 / 5.0
90%
Profit Split
90%
$0.4M
Max Allocation
$0.1M
$109
Challenge Fee (Starting)
$49
Key Differences
1
Trust Score: FXIFY leads with a 4.6/5 TrustPilot rating (3,218 reviews) vs Topstep's 4.5/5 (3,892 reviews).
2
Entry Cost: Topstep starts at $49 — 55% cheaper than FXIFY's $19.
3
Drawdown Mechanics: FXIFY uses static equity-based (10%) while Topstep uses balance-based (static) (3%). Static/balance-based drawdowns are generally considered safer.
4
Evaluation Path: FXIFY uses a 1-Step evaluation model, while Topstep offers a 2-Step path. Fewer steps generally means faster access to funded capital.
5
Daily Loss Limit: FXIFY allows a 5% daily loss vs Topstep's 2% — more room for volatile trading sessions.
6
Trading Platforms: FXIFY uniquely offers DXtrade, MT4, MT5, TradingView. Topstep uniquely offers TopstepX, NinjaTrader, Tradovate, Quantower.
7
Maximum Capital: FXIFY scales up to $400,000, 3x more than Topstep's $150,000.
Deep Dive: Rules & Policies
News Trading: FXIFY: Allowed (Standard). Restricted 5m (Instant/Lightning).. Topstep: Allowed without restrictions.. Both firms have nuanced news trading policies — always check the specific rules for your account type before placing trades around major announcements.
Weekend & Overnight Holding: Swing traders take note — FXIFY allows weekend holding, meaning you can carry positions through Friday close into Monday open. Topstep requires positions to be closed before the weekend. This is a dealbreaker for multi-day position traders and macro-driven strategies.
Algorithmic Trading (EAs): Both firms permit EAs with conditions. FXIFY: Allowed.. Topstep: Allowed (API access, no manipulative tools).. Always verify that your specific EA complies with the firm's terms of service.
Commission Structure: FXIFY charges FX: $6/lot (Raw).. Topstep charges See: intercom.help/topstep-llc/.../commissions. Lower commissions compound into significant savings over hundreds of trades — especially for high-frequency scalpers.
Consistency Rule: Both firms enforce consistency rules but with different thresholds. FXIFY: 25% Rule (2-Step Classic). 30% Score (Lightning).. Topstep: 50% (Combine only).. Understand these limits before you trade — exceeding them can invalidate your evaluation.
Tradable Instruments: FXIFY uniquely offers CFD, Forex, Metals, Indices, Stocks, Commodities trading. Topstep uniquely offers Futures trading. If you trade specific asset classes, make sure your firm supports them before purchasing.
Payout Processing: FXIFY processes payouts in 24–48 hours via Riseworks, Crypto, or Bank Transfer, while Topstep takes 1–3 business days via Wise, ACH, or Wire Transfer. Faster payouts mean quicker access to your hard-earned profits — an important factor for full-time traders who depend on this income.
Scaling Potential: FXIFY scales up to $400,000 initial (scales to $4,000,000) (requiring 10% net profit within 3 months (with at least 2 profitable months) profit per tier), while Topstep caps at $150,000 per account (up to $750,000 across 5 accounts) (requiring Dynamic daily scaling plan tied to your Express Funded Account end-of-day (EOD) balance per tier). If your long-term goal is managing large capital, the firm with the higher ceiling offers more growth runway.
Inactivity Policy: FXIFY: 60 days.. Topstep: 30 days (Express Funded).. Be mindful of these policies — an inactive account can be terminated, and you would forfeit your challenge fee and any unrealized progress.
Active Discount Codes: FXIFY: Use code "CIRCLE" for 33%. Topstep: Use code "" for a discount. These codes can significantly reduce your upfront investment — always check for active promotions before purchasing.
Who Should Choose Which?
Budget-Conscious Traders
→ Topstep
Starting at just $49, Topstep offers the lowest barrier to entry — ideal if you want to test the waters without risking a large upfront fee.
Visit TopstepSwing & Position Traders
→ FXIFY
FXIFY allows weekend holding and has a static equity-based drawdown — both essential for multi-day strategies that need room to breathe.
Visit FXIFYSafety-First Traders
→ FXIFY
With a 4.6/5 TrustPilot rating and 3,218 verified reviews, FXIFY offers the strongest track record and payout reliability.
Visit FXIFYCapital Scaling Traders
→ FXIFY
FXIFY scales up to $400,000 — giving you the highest possible ceiling for growing your funded capital over time.
Visit FXIFYThe Final Verdict
Our expert conclusion based on the data
When choosing between FXIFY and Topstep in 2026, the decision comes down to what matters most to you as a trader. FXIFY holds a TrustPilot rating of 4.6/5 across 3,218 reviews, while Topstep sits at 4.5/5 with 3,892 reviews. Both firms are legitimate and pay traders, but they serve fundamentally different trader profiles.
On pricing, Topstep offers a significantly lower barrier to entry at $49 compared to FXIFY's $19 — that's roughly 55% cheaper. However, cheaper doesn't always mean better value. You need to weigh this against the profit split, drawdown rules, and payout reliability.
A critical difference lies in their drawdown mechanics. FXIFY uses a static equity-based drawdown at 10%, while Topstep uses a balance-based (static) drawdown at 3%. FXIFY's static drawdown means your loss limit is locked to your initial balance and never trails upward — this is mathematically safer and easier to manage, especially for swing traders who hold positions overnight.
Our Recommendation: If your priority is trust and track record, go with FXIFY. If your priority is affordability, Topstep is the better entry point. Both firms offer a competitive Up to 90%% profit split.
Frequently Asked Questions
Is FXIFY better than Topstep in 2026?+
It depends on your priorities. FXIFY has a stronger reputation with a 4.6/5 TrustPilot score. However, Topstep is more affordable at $49. For most traders, FXIFY is the safer choice, but Topstep offers better value for those on a tight budget.
Which is cheaper, FXIFY or Topstep?+
Topstep is the more affordable option, with challenges starting at $49 compared to FXIFY's $19.
What is the profit split at FXIFY vs Topstep?+
FXIFY offers up to Up to 90%% profit split, while Topstep offers up to 90%%. Both firms offer a competitive, identical profit split.
What type of drawdown do FXIFY and Topstep use?+
FXIFY uses a static equity-based drawdown (10%), while Topstep uses a balance-based (static) drawdown (3%). Static and balance-based drawdowns are generally considered easier to manage than trailing drawdowns because they don't chase your equity high watermark.
How many evaluation steps does FXIFY require vs Topstep?+
FXIFY uses a 1-Step evaluation model, while Topstep uses a 2-Step model. Fewer steps generally means faster access to live funded capital.
Can I use Expert Advisors (EAs) with FXIFY and Topstep?+
FXIFY: Allowed.. Topstep: Allowed (API access, no manipulative tools).. Always verify your specific EA is compliant before purchasing a challenge.
What trading platforms do FXIFY and Topstep support?+
FXIFY supports DXtrade, MT4, MT5, TradingView. Topstep supports TopstepX, NinjaTrader, Tradovate, Quantower. Both offer professional-grade execution suitable for serious traders.
Which firm has better payout speeds, FXIFY or Topstep?+
Both firms process payouts reliably. FXIFY pays via Bank Transfer, Crypto, Riseworks. Topstep pays via ACH, Bank Transfer, Wise. Check each firm's payout schedule for the most up-to-date processing times.