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Blueberry Funded vs Topstep
The Ultimate Head-to-Head Showdown
⚡ Quick Comparison Verdict
When choosing between Blueberry Funded and Topstep in 2026, the decision comes down to what matters most to you as a trader. Topstep holds a TrustPilot rating of 4.5/5 across 3,892 reviews, while Blueberry Funded sits at 4.2/5 with 1,543 reviews. Both firms are legitimate and pay traders, but they serve fundamentally different trader profiles.
Blueberry Funded
4.2
- Respaldado por Blueberry Markets
- Liquidez Institucional
- Matriz Regulada por ASIC
Topstep
4.5
- Drawdown Trailing EOD se congela en el balance inicial (Línea de beneficio $0)
- División de ganancias 90/10 desde el día 1 (Retiro mínimo de $125)
- Dos rutas de retiro: Estándar (5 días de $150+) o Consistencia (3 días <=40%)
At a Glance
4.2 / 5.0
Trader Satisfaction
4.5 / 5.0
80%
Profit Split
9010%
$0.4M
Max Allocation
$0.1M
$89
Challenge Fee (Starting)
$49
Earnings Calculator
Monthly return (%)8%
Estimated Monthly Earnings
$6,400
Based on 100K account • 80% payout
Estimated Monthly Earnings
$3,600
Based on 50K account • 90/10 payout
Head-to-head Breakdown
Blueberry Funded
Topstep
Challenge Fee
$450
$95Best
Account Size
100,000
50,000
Profit Split
80%
90/10Best
Profit Target
10% | 5%
6% Best
Daily Loss
4%
None
Max Loss
10%Best
4%
Drawdown Type
static
EOD
Payout Frequency
14 Days
Standard (5 days $150+) / Consistency (3 days <=40%)
Fine-Print Verification Matrix
Hidden Rules & Contract Clauses
Comparing unadvertised contract terms, trailing mechanics, news buffers, and payout hurdles extracted from official Terms of Service.
Fine-Print Term
Core Trading Clauses
Blueberry Funded
6 Verified Rules
Topstep
12 Verified Rules
News Trading Policy & Execution Buffers
Buffer windows before and after red-folder economic events, straddle restrictions, and execution slippage policies.
Allowed.
Allowed without restrictions.
Weekend & Overnight Holding
Whether swing positions may be held across Friday market close, or if automated liquidations apply.
Allowed.
Prohibited. Close by 3:10 PM CT.
Drawdown Trailing & Loss Mechanics
Static balance-based vs End-of-Day (EOD) vs high-risk intraday open-equity trailing traps.
10% (Fixed).
EOD trailing. MLL resets to $0 after payout.
Inactivity Rules & Account Expiry
Maximum allowable dormancy duration before account breach or administrative archiving.
28 days.
30 days (Express Funded).
Consistency Clauses & Profit Caps
Single-day profit caps (e.g. 30%-50% rule), lot-size variation brackets, and contract ladders.
None.
50% (Combine only).
Payout Hurdles & Safety Buffers
Minimum qualifying profitable days, profit floor requirements, and mandatory buffer reserves.
1–2 días hábiles mediante Transferencia Bancaria o Cripto
1–3 días hábiles mediante Wise, ACH o Transferencia Bancaria
Verified Fine-Print Disclosures from Official Documentation
Exact contract stipulations, drawdown formulas, and account closure triggers.
1.5% Risk Per Trade Idea (Funded Only)
🟠 High RiskOn funded accounts, each trade idea (including correlated positions) cannot risk more than 1.5% of the account balance. This replaced 6 older subjective rules as of March 2026.
Source: Blueberry Funded March 2026 Update
Copy Trading Only From Own Accounts
🟠 High RiskCopying trades from external signal providers, other traders, or shared strategies is prohibited. Only copying between your own personal live accounts is permitted.
Source: Blueberry Funded Official Rules
Account Sharing Strictly Prohibited
🔴 Critical RuleSharing account credentials or allowing another person to trade your evaluation or funded account results in immediate and permanent termination with forfeiture of all profits.
Source: Blueberry Funded Terms of Service
50% Consistency Rule
🟠 High RiskYour single best trading day cannot exceed 50% of your total profit target during the Trading Combine. Under the Consistency Payout Path, your best day cannot exceed 40% of net profits.
Source: Topstep Trading Combine Rules
End-of-Day (EOD) Trailing Drawdown & Starting Balance Freeze
🟠 High RiskThe Maximum Loss Limit (MLL) recalculates strictly at 4:00 PM CT based on settled account balance, completely eliminating intraday unrealized profit trailing traps. Once your balance reaches Starting Balance + MLL, the trailing floor permanently freezes at the initial starting balance ($0 profit line) and stops trailing forever.
Source: Topstep Risk Policy 2026
MLL Resets and Locks to $0 Floor After First Payout
🔴 Critical RuleIn the Express Funded Account (XFA), the instant your first payout is processed, your Maximum Loss Limit immediately resets and locks permanently at $0 (initial starting balance). Prior profit cushion above $0 cannot be used to absorb losses below starting capital.
Source: Topstep Payout Policy
Looking for granular policy breakdowns? Explore the official rule dossiers:
Key Differences
1
Trust Score: Topstep leads with a 4.5/5 TrustPilot rating (3,892 reviews) vs Blueberry Funded's 4.2/5 (1,543 reviews).
2
Entry Cost: Topstep starts at $95 — 45% cheaper than Blueberry Funded's $25.
3
Profit Split: Topstep offers up to 90/10%, keeping more money in your pocket compared to Blueberry Funded's 80%%.
4
Drawdown Mechanics: Blueberry Funded uses static equity-based (10%) while Topstep uses EOD (4%). Static/balance-based drawdowns are generally considered safer.
5
Evaluation Path: Blueberry Funded uses a 1-Step evaluation model, while Topstep offers a 2-Step path. Fewer steps generally means faster access to funded capital.
6
Daily Loss Limit: Blueberry Funded allows a 5% daily loss vs Topstep's 0% — more room for volatile trading sessions.
7
Trading Platforms: Blueberry Funded uniquely offers TradeLocker, MT5. Topstep uniquely offers TopstepX, NinjaTrader, Tradovate, Quantower.
8
Maximum Capital: Blueberry Funded scales up to $400,000, 3x more than Topstep's $150,000.
Deep Dive: Rules & Policies
News Trading: Blueberry Funded: Allowed.. 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 — Blueberry Funded 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. Blueberry Funded: Allowed.. Topstep: Allowed (API access, no manipulative tools).. Always verify that your specific EA complies with the firm's terms of service.
Commission Structure: Blueberry Funded charges FX: $7/lot. Indices/Crypto: None.. 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: Topstep enforces a consistency rule: 50% (Combine only).. Blueberry Funded does not impose a consistency rule, making it more forgiving for traders with variable win distributions.
Tradable Instruments: Blueberry Funded uniquely offers CFD, Forex, Metals, Indices, Energy, Crypto trading. Topstep uniquely offers Futures trading. If you trade specific asset classes, make sure your firm supports them before purchasing.
Payout Processing: Blueberry Funded processes payouts in 1–2 días hábiles mediante Transferencia Bancaria o Cripto, while Topstep takes 1–3 días hábiles mediante Wise, ACH o Transferencia Bancaria. Faster payouts mean quicker access to your hard-earned profits — an important factor for full-time traders who depend on this income.
Scaling Potential: Blueberry Funded scales up to $400,000 inicial (escala a $2,000,000) (requiring 10% de beneficio neto en un periodo de 3 meses con al menos 2 retiros profit per tier), while Topstep caps at $150,000 por cuenta (hasta $750,000 en 5 cuentas) (requiring Plan de escalado diario dinámico vinculado al saldo de fin de día (EOD) de tu cuenta Express Funded per tier). If your long-term goal is managing large capital, the firm with the higher ceiling offers more growth runway.
Inactivity Policy: Blueberry Funded: 28 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: Blueberry Funded: Use code "CIRCLE" for 30%. 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 $95, 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
→ Blueberry Funded
Blueberry Funded allows weekend holding and has a static equity-based drawdown — both essential for multi-day strategies that need room to breathe.
Visit Blueberry FundedSafety-First Traders
→ Topstep
With a 4.5/5 TrustPilot rating and 3,892 verified reviews, Topstep offers the strongest track record and payout reliability.
Visit TopstepProfit Maximizers
→ Topstep
Topstep's 90/10% profit split means you keep more of every dollar you earn — the difference compounds significantly over time.
Visit TopstepCapital Scaling Traders
→ Blueberry Funded
Blueberry Funded scales up to $400,000 — giving you the highest possible ceiling for growing your funded capital over time.
Visit Blueberry FundedThe Final Verdict
Our expert conclusion based on the data
When choosing between Blueberry Funded and Topstep in 2026, the decision comes down to what matters most to you as a trader. Topstep holds a TrustPilot rating of 4.5/5 across 3,892 reviews, while Blueberry Funded sits at 4.2/5 with 1,543 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 $95 compared to Blueberry Funded's $25 — that's roughly 45% 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. Blueberry Funded uses a static equity-based drawdown at 10%, while Topstep uses a EOD drawdown at 4%. Blueberry Funded'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 Topstep. If your priority is affordability, Topstep is the better entry point. For maximum earnings per trade, Topstep wins with a 90/10% profit split.
Frequently Asked Questions
Is Blueberry Funded better than Topstep in 2026?+
It depends on your priorities. Topstep has a stronger reputation with a 4.5/5 TrustPilot score. However, Topstep is more affordable at $95. For most traders, Topstep is the safer choice, but Topstep offers better value for those on a tight budget.
Which is cheaper, Blueberry Funded or Topstep?+
Topstep is the more affordable option, with challenges starting at $95 compared to Blueberry Funded's $25.
What is the profit split at Blueberry Funded vs Topstep?+
Blueberry Funded offers up to 80%% profit split, while Topstep offers up to 90/10%. Topstep lets you keep more of your earnings.
What type of drawdown do Blueberry Funded and Topstep use?+
Blueberry Funded uses a static equity-based drawdown (10%), while Topstep uses a EOD drawdown (4%). 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 Blueberry Funded require vs Topstep?+
Blueberry Funded 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 Blueberry Funded and Topstep?+
Blueberry Funded: Allowed.. Topstep: Allowed (API access, no manipulative tools).. Always verify your specific EA is compliant before purchasing a challenge.
What trading platforms do Blueberry Funded and Topstep support?+
Blueberry Funded supports TradeLocker, MT5. Topstep supports TopstepX, NinjaTrader, Tradovate, Quantower. Both offer professional-grade execution suitable for serious traders.
Which firm has better payout speeds, Blueberry Funded or Topstep?+
Both firms process payouts reliably. Blueberry Funded pays via Bank Transfer. Topstep pays via ACH, Bank Transfer, Wise. Check each firm's payout schedule for the most up-to-date processing times.
Comprehensive Firm Dossiers
Blueberry Funded In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.
Topstep In-Depth Hub
Complete analysis of scaling milestones, verified payout proofs, and fine-print rules.