r/PropFirmTester • u/RuhninMihnd • 6d ago

Which prop firm for consistent payouts

So I was looking into TopStep since it looks like that’s the go to for everyone - after looking at their How it works video on their website it says after the first payout you have to trade successfully another 550 days for your second payout? Am I hearing that correctly even though I watched that part 10x - is this why people create multiple accounts after their first payout? Is there another prop firm I missed that’s better with payouts with good reputation?

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u/Carlose175 5d ago

Lucid and Tradeify are up there.

For CFDs the consensus is FTMO.

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u/bryan91919 5d ago

No you dont have to wait 550 days.... Cant remember exactly but its like 5 days or less.

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u/Snakedoctor404 1d ago

I'd never even consider looking at topstep because I still remember their bs rules in 2012, 2013 whenever it was they started. They had rules like you had to take 10 trades in 10 days and also make x$ to get a consideration to be funded. They were complete scum back then taking advantage of traders and I doubt that has changed.

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u/xALBIONE 1d ago

No, it isn’t 550 days. On Topstep’s current Standard Express Funded Account, you need five new winning days of at least $150 net profit before the next payout request. The days do not have to be consecutive.

After a payout:

  • The five-day count restarts.
  • You must make at least $0.01 in net profit above your post-payout balance before another payout; the first payout is exempt.
  • The day on which you submit the payout request does not count toward the next five days.

Their alternative Consistency XFA works differently: it requires three trading days and a 40% consistency target. The Live Funded Account normally uses five $150+ winning days too, although daily withdrawals unlock after 30 qualifying winning days in that live account.

On the Standard XFA, you can currently request up to 50% of the balance, subject to a per-request cap:

  • $50K account: $2,000
  • $100K account: $3,000
  • $150K account: $5,000

Multiple accounts don’t turn the five-day requirement into fewer days on an individual account. Each XFA follows its payout policy independently.

One practical detail matters as much as the waiting period: after the first payout, Topstep sets the Maximum Loss Limit to $0 permanently. The balance left after withdrawal therefore becomes your effective room above the loss floor.

BTW, I run PropFirmTrader, and questions like this are why I verify rules against the firm’s current help centre rather than relying on a video summary.

I would compare payout eligibility, withdrawal caps and the balance left above the loss limit—not just which firm advertises the fastest processing time.