5 out of 55.012 Oct 2026US
The payouts are very fast under 1 minute with aeropay
Why this review is included: Names a payout method and a speed claim.
What it supports: Aeropay payouts described as near-instant.
Read the review at the source
Monthly review findings and trader experiences.
Reviews analysed
164
Oct 1, 2026 to Oct 31, 2026
Average rating
4.28
+0.11 points vs September 2026
Detailed experiences
67.1%
Of 164 reviews published this month
Mentioned an issue
30.0%
Of reviews describing a detailed experience
Monthly review brief
Most reviewers praised quick support replies and fast payouts, some saying money arrived within minutes. A smaller group of detailed one-star reviews describe accounts closed for alleged hedging, copy trading, VPN use or fraud, sometimes right before or at a payout request, without evidence they could check. Others describe several funded accounts being swapped for one smaller live or RTP account, and disputes over fills and drawdown.
What traders said worked
Issues reviewers mention
These are reviewer accounts published during the month, not necessarily experiences from the month. No review was marked verified. Amounts and timings are reviewer-reported and unaudited. Company replies are not treated as proof of resolution, and allegations are not treated as established fact.
Open a finding for the reported experience and its source reviews.
Positive findings from this month's report.
Payouts arriving within minutes to a day
RecurringMany reviewers said payouts were approved instantly and reached them fast. Some said Aeropay transfers landed in under a minute or two. One reviewer said an international bank wire quoted at business days arrived about a day later. Others described bank transfers landing within a few days.
The payouts are very fast under 1 minute with aeropay
Why this review is included: Names a payout method and a speed claim.
What it supports: Aeropay payouts described as near-instant.
Read the review at the sourceFinally got my first payout and used a bank wire which had been termed at 7-10 business days, processed instantly, arrived in my account 24hrs later across the world
Why this review is included: First payout by international wire, with quoted versus actual timing.
What it supports: International wire arriving much faster than quoted.
Read the review at the sourceEvery payout I have earned has been processed in minutes, and fund have landed in my bank account between 1-3 days!
Why this review is included: Repeat payouts with both processing and arrival timing.
What it supports: Processing in minutes, bank arrival within days.
Read the review at the sourceGreat platform, and payments in less than two minutes every time I do it.
Translated to English
Why this review is included: Spanish-language reviewer reporting repeat fast payouts.
What it supports: Repeat payouts described as arriving within minutes.
Read the review at the sourceFirst and repeat payouts paid out
RecurringReviewers described receiving first payouts without problems, repeat payouts over time and large single payouts. Amounts are reviewer-reported and unaudited. One reviewer said another firm had denied a payout for the same kind of trading Topstep paid.
I recently requested a $4,000 payout, and it was successfully approved and finalized.
Why this review is included: Reviewer-reported payout amount with approval outcome.
What it supports: Payout requested, approved and finalized.
Read the review at the sourceI got a 15k payout today and just stoked that I had no issues requesting a payout.
Why this review is included: Large reviewer-reported payout received without issues.
What it supports: Large payout received with no request problems.
Read the review at the sourceI have 11 times of payout.
Why this review is included: Repeat payout history from one reviewer.
What it supports: Repeated payouts over time.
Read the review at the sourceI had my first payout today without any problems
Why this review is included: First payout outcome.
What it supports: First payout completed without problems.
Read the review at the sourceSupport reversing mistakes and fixing account problems
RecurringReviewers said agents fixed accidental cancellations, refunded mistaken purchases and charges, restored a mistakenly reset funded account, repaired a blacked-out chart and cleared an issue blocking payout requests. In some cases an AI assistant could not help and a human agent took over.
Contacted support and within minutes they had me back right.
Why this review is included: Accidental evaluation cancellation reversed quickly.
What it supports: Fast fix of a self-inflicted purchase mistake.
Read the review at the sourceMy case was escalated Live accounts and Fundings team and Kevin resolved my issue in just an hour.
Why this review is included: Escalation to a specialist team with a stated resolution time.
What it supports: Escalated issue resolved quickly, enabling payout requests.
Read the review at the sourcethe ai assistant told me to wait around 15minutes to respond but it took longer however everything was fixed
Why this review is included: Shows the wait exceeded the AI estimate but the fix landed.
What it supports: Accidental subscription cancellation fixed after a longer wait.
Read the review at the sourceI reached out to support and THI helped me in about 3 minutes
Why this review is included: Concrete response time for an account clean-up request.
What it supports: Fast help removing unclosable accounts.
Read the review at the sourceQuick, helpful replies from named support agents
RecurringMany reviewers named individual agents and said they replied quickly, clearly and politely. Several mentioned the Windy AI assistant answering first, then handing off to a human when needed. These reviews are mostly short and describe questions rather than disputes.
Aubrey responded quickly to my inquiry, with accurate info
Why this review is included: Named agent, speed and accuracy in one line.
What it supports: Quick, accurate reply to an inquiry.
Read the review at the sourceSuper fast support, always available, very clear; an AI system that is already thorough, but if needed they pass you to a super fast operator.
Translated to English
Why this review is included: Describes the AI-to-human handoff.
What it supports: AI assistant backed by fast human escalation.
Read the review at the sourceI would like to give a special thank you to Mark from the Live Accounts and Funding Team for his outstanding support and professionalism.
Why this review is included: Praise for the live accounts team specifically.
What it supports: Helpful guidance during the funding and live process.
Read the review at the sourceThe service was very attentive; the problem was solved quickly.
Translated to English
Why this review is included: Chinese-language reviewer reporting a fast fix.
What it supports: Attentive service and quick problem resolution.
Read the review at the sourceRules and payout requirements described as clear
RecurringReviewers said the rules, end-of-day drawdown and payout requirements were clearly displayed and easy to follow. One Spanish-language reviewer praised configurable loss limits for protecting accounts.
The rules are clear, the dashboard is easy to use, and the payout process was smooth.
Why this review is included: Combines rules, dashboard and payout process praise.
What it supports: Clear rules and an easy dashboard.
Read the review at the sourceThe platform is very user-friendly, the rules and payout requirements are clearly displayed
Why this review is included: Specific mention of payout requirements being visible.
What it supports: Rules and payout requirements clearly shown.
Read the review at the sourceEasy, crystal-clear rules, and the option to protect your accounts with loss maximums
Translated to English
Why this review is included: Mentions a specific risk tool alongside rule clarity.
What it supports: Clear rules and configurable loss limits.
Read the review at the sourceThey have clear rules, no hidden rules.
Why this review is included: Repeat-payout reviewer vouching for rule transparency.
What it supports: No hidden rules reported.
Read the review at the sourceTopstepX platform praised as stable and usable
RecurringReviewers praised TopstepX as smooth, stable and suited to their strategies, with one saying the platform is now very stable. One reviewer singled out the instant replay feature.
Topstep X is the best for my strategy.
Why this review is included: Platform fit for the reviewer's strategy.
What it supports: TopstepX suited to the reviewer's trading.
Read the review at the sourceAnd TopStepX is actually a decent platform.
Why this review is included: Measured platform assessment.
What it supports: TopstepX described as decent and smooth.
Read the review at the sourceThe platform is now very stable and the payout time is fast as well.
Why this review is included: Stability claim implying improvement.
What it supports: Platform described as now very stable.
Read the review at the sourceInstant replay impressed me highly.
Why this review is included: Names a specific platform feature.
What it supports: Instant replay feature praised.
Read the review at the sourceExecution losses removed after support review
ReportedOne reviewer said delayed order execution caused losses across copied funded and evaluation accounts. After several rounds of correspondence, the reviewer says Topstep removed the losses and issued reset credits, fully restoring the accounts.
my orders were not executed immediately after being placed, resulting in unexpected losses within a short period of time
Why this review is included: Describes the execution problem.
What it supports: Delayed execution caused losses.
Read the review at the sourceUltimately, Topstep removed the losses caused by the incident and provided reset credits for the Trading Combine accounts that had reached their Maximum Loss Limits (MLL).
Why this review is included: States the remedy the reviewer received.
What it supports: Losses removed and reset credits issued.
Read the review at the sourceReported problems and what happened next.
Accounts closed over alleged hedging, copy trading or fraud
RecurringSeveral reviewers said their accounts or profiles were permanently closed for alleged cross-account hedging, copy trading, VPN use, fraud or unspecified Terms of Use breaches. They said they were not shown specific trades or evidence, and some said appeals were declared final. One reviewer said an identity verification glitch was later recast as a rule violation. These are reviewer allegations; the reviews do not establish whether violations occurred.
Topstep permanently terminated my account for alleged hedging based on activity from August 21, even though they subsequently moved me to a Live account on September 1.
Why this review is included: Closure for earlier activity after a move to live.
What it supports: Termination for alleged hedging after promotion to live.
Read the review at the sourceThey closed my account without prior warning, citing alleged “cross-account hedging”
Translated to English
Why this review is included: Spanish-language closure complaint naming the rule.
What it supports: Closure without warning for alleged hedging.
Read the review at the sourceMy account was closed, and I subsequently received an email informing me that I was no longer eligible. However, I was not provided with any concrete evidence or a detailed explanation to justify this decision.
Why this review is included: Representative of no-evidence complaints.
What it supports: Closure and ineligibility notice without evidence.
Read the review at the sourceI had messaged support about my glitch then they put my account into investigation then banned me 2 days later
Why this review is included: Reporting a copy-trading glitch preceded the ban.
What it supports: Ban following a self-reported copy-trading glitch.
Read the review at the sourceProfits lost when accounts closed near payout
RecurringReviewers said closures came just before or right after a payout request, wiping out profits they expected to withdraw. One reviewer said the account was put on hold as soon as the withdrawal began and then cancelled for alleged copy trading. Amounts are reviewer-reported.
Then, just before we were about to request our payouts, they arbitrarily closed our accounts and accused us of fraud
Why this review is included: Closure timed just before payout requests.
What it supports: Accounts closed before payouts were requested.
Read the review at the sourceI accumulated $1,770 USD in profits and went ahead to request my withdrawal. As soon as I started the withdrawal, they put the account on hold and, days later, cancelled it permanently, citing an alleged "copy trading" violation
Translated to English
Why this review is included: Sequence from payout request to hold to cancellation.
What it supports: Payout request followed by hold and closure.
Read the review at the sourceFunded accounts consolidated into one smaller account
RecurringReviewers said several funded accounts were closed and replaced with a single smaller live or RTP account, sometimes a day before they qualified for another payout. One reviewer said the new live account carried a payout cap. Another said the move came right after turning net profitable.
When the 4th winning day occured and I was just one day away from another payout, they closed all my accounts. I had 5x50K accounts, just one payout requested, and was just before a 9k payout request. Then they decided to put me on a Pro program and gave me a 10K account
Why this review is included: Timing relative to payout eligibility and the resulting account size.
What it supports: Several accounts replaced by one smaller account before a payout.
Read the review at the sourceThen came the transition to a single 10K live account with a two thouasand $-payout cap
Why this review is included: Describes the payout cap after the move.
What it supports: Move to a single capped live account.
Read the review at the sourcethen in a span of few weeks I've made it all back and turned net profitable and they moved me to their pathetic RTP program
Why this review is included: Links the move to profitability.
What it supports: Move to RTP after becoming profitable.
Read the review at the sourceDisputed fills, early stop-outs and outage losses
RecurringReviewers reported trades closed before stop-losses were hit, limit orders not filled, stop-loss slippage, platform freezes and lost funded accounts in an outage. One reviewer said outage losses were replaced with evaluations rather than refunded. Another said a reset credit was refused after a chart and order form sync problem.
So I placed a trade on gold around 7.30 pm uk time , int account balance was over 53000 with a sl set around -400 the trade was closed before it hit my sl
Why this review is included: Specific trade closed before stop-loss.
What it supports: Early stop-out reported on a gold trade.
Read the review at the sourcethey never execute your trade on your limit even when there is no volume in market. when it comes to take profit it always hits on your limit but with stop loss i have always lost more money.
Why this review is included: Fill quality complaint.
What it supports: Limit orders unfilled and stop-loss slippage.
Read the review at the sourceAlso i lose 5 funded account with profit on december outage also without refund and they give me 5 challange instead
Why this review is included: Outage loss with the remedy offered.
What it supports: Funded accounts lost in an outage, replaced with evaluations.
Read the review at the sourceDrawdown and new rules disputed by losing traders
RecurringReviewers said the drawdown design makes accounts fail, that the consistency rule blocks payouts, and that new rules appear once traders become profitable or start withdrawing. Some compared results unfavourably with other firms.
Turns out if you make too little it doesn’t count but watch out for the consistency, that’s where they’ll get ya
Why this review is included: Names the consistency rule as a payout barrier.
What it supports: Consistency and minimum-profit rules disputed.
Read the review at the sourceOnce you become profitable, they find a way to stop you by introducing a new rule.
Why this review is included: Rule-change allegation.
What it supports: New rules allegedly target profitable traders.
Read the review at the sourceThey are a scam i just found out the way they do their drawdown ensures we fail
Why this review is included: Drawdown design complaint.
What it supports: Drawdown design blamed for failures.
Read the review at the sourceFor this company, everything is fine while you're losing your money, but everything will change once you start withdrawing; they often put more rules so you end up burning your accounts.
Why this review is included: Links rule changes to withdrawals.
What it supports: More rules allegedly added once withdrawals start.
Read the review at the sourceFirst payout took weeks, per one reviewer
ReportedOne reviewer said the first payout took about four weeks, with daily messages to an AI chatbot while waiting. No other review this month reported a comparable delay.
Firstly, I waited about 4 weeks for my first payout to arrive. It came after endless waiting and writing with the AI chatbot every day again.
Why this review is included: Only payout delay reported this month.
What it supports: First payout delay and AI chatbot loop.
Read the review at the sourceDeposit fees and unrefunded data subscriptions
RecurringOne reviewer objected to a deposit fee on card and bank transfers into the brokerage, saying it was hidden under a dropdown. Another said level-two market data was repeatedly cut off mid-subscription without a fix or refund.
Moreover, the 1% fee is also not shown explicitly and hidden under a dropdown, to trick customers.
Why this review is included: Fee visibility complaint.
What it supports: Deposit fee described as hidden.
Read the review at the sourceMany times like more than 10 they close my data lvl 2 in middle of subscription and they dint want to fix it or refund, they just take money for it
Why this review is included: Paid data subscription interruption.
What it supports: Data subscription cut off without refund.
Read the review at the sourceData erasure request took weeks to complete
ReportedOne UK reviewer said a formal GDPR erasure request sat unresolved for weeks. The reviewer later updated the review to say it was resolved but called the effort excessive.
It is now approaching two months later and I still have a TopStep profile
Why this review is included: Shows the wait before resolution.
What it supports: Erasure request pending for weeks.
Read the review at the sourceUpdate: The situation was resolved on October 22
Why this review is included: Reviewer's own update on the outcome.
What it supports: Request eventually resolved.
Read the review at the sourceReviewer-reported payout experiences. Topic counts can overlap; the most-mentioned appear first.
Mentioned a payout
26.2%
Of all reviews published this month
Described it positively
83.7%
Of reviews that mentioned a payout
Went through cleanly
36
Reviews describing no payout problem
Hit a problem
7
Reviews describing a payout problem
Reviewers reported profits forfeited at account closure, payouts blocked by consolidation into one smaller account, a first payout delayed for weeks, and the consistency rule making payouts hard to qualify for.
Reviewers said approvals were instant and Aeropay transfers landed within minutes. Bank transfers were described as arriving within a day to a few days, including an international wire. One reviewer said a first payout took about four weeks.
Only methods and amounts reviewers explicitly named.
Amounts described
USD 1770
Reviewers reported profits forfeited at account closure, payouts blocked by consolidation into one smaller account, a first payout delayed for weeks, and the consistency rule making payouts hard to qualify for.
| Problem | Reviews | What reviewers described |
|---|---|---|
| Account held then cancelled after payout request | 1 | 1 review matched this reported problem pattern. |
| Accounts closed before payout request | 1 | 1 review matched this reported problem pattern. |
| Delay, then accounts closed before next payout request | 1 | 1 review matched this reported problem pattern. |
| Live profits forfeited | 1 | 1 review matched this reported problem pattern. |
| Problem | Reviews | What reviewers described |
|---|---|---|
| Payout capacity cut by move to live | 1 | 1 review matched this reported problem pattern. |
| Payout eligibility | 1 | 1 review matched this reported problem pattern. |
Reasons reviewers said they were given: alleged cross-account hedging, copy trading across profiles, fraud and the consistency requirement. Consolidation reviewers said no reason beyond the move to a live or Pro program was given. The reviews do not establish whether the alleged violations occurred.
Most-mentioned topics first. Counts can overlap because a review may mention several rules. See the Rules tab for the rules themselves.
Disputed rules were cross-account hedging, copy trading, VPN use, identity verification, the consistency rule for payouts, drawdown mechanics and moves into live or RTP programs. Reviewers who praised the rules called them clear; reviewers who disputed them focused on enforcement and timing rather than wording.
| What was disputed | Reviews | Consequence described | Stage |
|---|---|---|---|
| Unspecified rule violation | 2 | Account closed and declared ineligible | Not consistently stated. |
| Copy trading glitch treated as violation | 1 | Banned; appeal declared final | Not consistently stated. |
| Copy trading rule | 1 | Account cancelled, payout denied, no refund | payout |
| Cross-account hedging | 1 | Account closed without prior warning | Not consistently stated. |
| What was disputed | Reviews | Consequence described | Stage |
|---|---|---|---|
| Cross-account hedging rule | 1 | Permanent termination and forfeited live balance | live account |
| Drawdown and daily loss limit mechanics | 1 | Account blown | Not consistently stated. |
| Drawdown design | 1 | Reviewer says it causes repeated failures | Not consistently stated. |
| Fraud allegation | 1 | Accounts closed without evidence shown | Not consistently stated. |
| Hedging allegation | 1 | Banned | traders program |
| Identity verification failure, then Terms of Use violation | 1 | Profile permanently closed | evaluation |
| More rules once withdrawals start | 1 | Reviewer says accounts end up burned | payout |
| Move to live with payout cap | 1 | Several funded accounts replaced by one smaller account | move to live |
| New rules introduced once traders become profitable | 1 | Reviewer says accounts get lost | trading |
| Payout consistency rule | 1 | Reviewer says it made payouts hard to obtain | payout |
| Responsible trading policy | 1 | Not consistently stated. | Not consistently stated. |
| Violation findings against buyers of the 003 product | 1 | Reviewer says accounts were reclaimed and banned | Not consistently stated. |
| VPN usage | 1 | Blanket ban | Not consistently stated. |
This section looks at what happened to the customers who needed help.
69 reviews involved support.
Support outcomes
Positive 76.8%, Negative 18.8%, Not Stated 2.9%, Mixed 1.4%
Support drew the most praise of any area, mostly for speed and named agents. Complaints about support centre on closure appeals rather than everyday help.
Helped
Did not help
Chosen for how much they explain, whether positive or negative. Each one says why it was picked.
The payouts are very fast under 1 minute with aeropay
Why this review is included: Names a payout method and a speed claim.
What it supports: Aeropay payouts described as near-instant.
Read the review at the sourceFinally got my first payout and used a bank wire which had been termed at 7-10 business days, processed instantly, arrived in my account 24hrs later across the world
Why this review is included: First payout by international wire, with quoted versus actual timing.
What it supports: International wire arriving much faster than quoted.
Read the review at the sourceEvery payout I have earned has been processed in minutes, and fund have landed in my bank account between 1-3 days!
Why this review is included: Repeat payouts with both processing and arrival timing.
What it supports: Processing in minutes, bank arrival within days.
Read the review at the sourceGreat platform, and payments in less than two minutes every time I do it.
Translated to English
Why this review is included: Spanish-language reviewer reporting repeat fast payouts.
What it supports: Repeat payouts described as arriving within minutes.
Read the review at the sourceThe same firm can be easy to buy from and hard to get paid by. Splitting reviews by stage keeps that visible.
6.1% of reviews tagged to a stage.
Worked
Went wrong
6.1% of reviews tagged to a stage.
Worked
Went wrong
3.0% of reviews tagged to a stage.
Worked
Went wrong
No points reported this month.
0.6% of reviews tagged to a stage.
Worked
No points reported this month.
Went wrong
17.7% of reviews tagged to a stage.
Worked
Went wrong
28.0% of reviews tagged to a stage.
Worked
Went wrong
4.9% of reviews tagged to a stage.
Worked
Went wrong
6.1% of reviews tagged to a stage.
Worked
Went wrong
Selected comparison
October's average rating came in a little above September's, from fewer reviews read. This month's complaints still centre on closures for alleged hedging, copy trading and similar rules, plus consolidation of funded accounts into one smaller account. The reviews do not establish whether these complaints grew or eased compared with September.
Monthly figures from the same review analysis.
| Month | Review volume |
|---|---|
| Jul 26 | 220 |
| Aug 26 | 178 |
| Sep 26 | 194 |
| Oct 26 | 164 |
Reviews in this month
164
-15.5%vs September 2026
Average rating
4.28 out of 54.28
+0.11 points vs September 2026
164 reviews, grouped by star rating.
Shares are of this month’s total review count.
No issue mentioned
Of detailed experiences
Mentioned an issue
Of detailed experiences
Where reviewers said what happened next. Silence is counted as unknown, not as unresolved.
How incidents ended
Not Stated 60.6%, Resolved 18.2%, Unresolved 15.2%, Compensated 3.0%, Partial 3.0%
Detail is what makes a review checkable, so it is measured rather than assumed.
Daily review counts for the selected month.
October
| M | |||||
|---|---|---|---|---|---|
| W | |||||
| F | |||||
Hover or tap a day for the number of reviews posted.
Busiest review day mixed payout praise with closure complaints
The busiest arrival day carried both sides of the month: reviewers praising first and large payouts and fast transfers to bank, alongside reviewers describing a closure for alleged hedging, a hedging ban after a long payout history, platform freezes and stop-loss slippage.
Fastest payout claims
Reviewers described payouts landing within minutes through Aeropay and an international wire arriving about a day after processing.
Most serious complaints
Permanent closures for alleged hedging, copy trading or fraud, with reviewers saying no evidence was shown and appeals were final.
Support
Named agents drew wide praise for speed; several reviewers said humans fixed what the AI assistant could not.
Live transition
Reviewers said several funded accounts were replaced with one smaller live or RTP account.
Patterns in reviewers’ experiences.
Positive themesTraders who want fast payouts, quick support and clear published rules. Reviewers who traded within the rules described smooth evaluation-to-payout journeys, fast Aeropay and bank payouts, and agents who reversed their own mistakes.
Recurring concernsTraders running multiple accounts, copy trading across accounts, using a VPN or holding several funded accounts near payout eligibility. Closure and consolidation complaints cluster around these situations, and reviewers said appeals were final and evidence was not shared.
Scores out of 10 · October 2026
Satisfaction
8.6/ 10
Most reviewers were satisfied, mainly with payouts and support; a minority were strongly dissatisfied after closures or consolidation.
Trust
7.0/ 10
Reviewers who were paid called Topstep trustworthy; reviewers who were closed said they could not verify the allegations against them.
Payouts
8.4/ 10
Reviewers praised speed and reliability; problems centred on profits lost at closure or consolidation rather than slow processing.
Support
7.8/ 10
Reviewers praised fast, named agents and human escalation; closure appeals were the main support complaint.
Rules
2.9/ 10
Reviewers called the rules clear, while others disputed hedging, copy trading, VPN, drawdown and consistency enforcement.
Overall
6.9/ 10
Reviewers describe a firm that pays fast and supports traders well day to day, with a recurring complaint about closures for alleged violations without evidence.