upme
Anguilla; no regulator. Pre-launch; rules published v1.2, not in force.
3 sources · accessed 2026-08-03Proof comparison
How the rulebooks compare,
sourced line by line
upme vs FTMO, Topstep and Apex, every number sourced to the firm's own published terms. The upme column is honest about what is not set yet.
- Profiles
- 6
- As of
- 2026-07-31
The comparison
Rows are rule categories; columns are the four profiles. Where a profile has more than one evaluation phase, phase values are joined with “/” (phase 1 first). Percentages and day counts are quoted as the firms publish them. The upme column is marked “v1.2, not in force” because no upme account exists yet.
| Rule | upme v1.2, not in force | Apex | FTMO | FundedNext | The5ers | Topstep |
|---|---|---|---|---|---|---|
| Profit target | 8% / 5% | — | 10% / 5% | 8% / 5% | 10% / 5% | 6% |
| Daily loss limit | 5% / 5% | — | 5% / 5% | 5% / 5% | 5% / 5% | 2% |
| Max drawdown | 10% / 10% | — | 10% / 10% | 10% / 10% | 10% / 10% | — |
| Trailing drawdown | — | — | — | — | — | 4% |
| Time limit | — | — | — | — | — | — |
| Min trading days | 4 days / 4 days | — | 4 days / 4 days | 5 days / 5 days | 3 days / 3 days | 2 days |
| Profit split | 80% | not published | 80% (up to 90% with Scaling Plan) | 80% (90% after Scale-Up; 95% is a paid add-on at +30% of base fee) | 80% on High Stakes funded (75% on Hyper Growth), scaling to 100% at $500K (per the scaling plan on each program page) | 90/10 (100% of first $10,000 lifetime for qualifying accounts) |
| Fee | $89 / $189 / $399 | not published | not published | $44.99 / $89.99 / $149.99 / $224.99 / $549.99 / $1,099.99 ($6K / $15K / $25K / $50K / $100K / $200K) | $19 challenge fee on High Stakes (refundable on Step 2); no published fee on Hyper Growth; Bootcamp $22 / $50 / $95 ($20K / $100K / $250K) | not published |
| News trading | permitted | permitted | restricted | restricted | permitted (with bracketing-strategy restriction; High Stakes also has a ±2 minute blackout on high-impact news) | permitted |
| Weekend holding | permitted | forbidden | restricted | permitted | permitted | forbidden |
| EAs / automation | permitted | permitted | restricted | permitted | permitted (third-party EAs where many users run the same strategy prohibited) | permitted |
| Payout first request | day 5 | — | day 14 | day 21 | — | day 5 |
| Payout settlement target | 24 hours | not published | 1-2 business days | 40 hours (average) | 16h (homepage average, not a published SLA) | 1-3 business days |
| Payout review cap | 72 hours | 6 lifetime payouts (Apex 4.0; per repo denial article citing Apex terms) | — | — | — | — |
Per-firm pages
Each firm has its own page with the full rule set, the payout rules, the published denial clauses quoted verbatim, and a short delta against upme's published v1.2 rules.
Apex Trader Funding
United States; no regulator. Published terms, accessed 2026-08-02.
3 sources · accessed 2026-08-02FTMO
Czech Republic; no regulator. Published terms, accessed 2026-08-02.
4 sources · accessed 2026-08-02FundedNext
Cyprus; no regulator. Published terms, accessed 2026-08-02.
7 sources · accessed 2026-08-02The5ers
Israel (Raanana; Israeli residents on the firm’s own Forbidden Territories list); no regulator. Published terms, accessed 2026-08-03.
7 sources · accessed 2026-08-03Topstep
United States; regulated by CFTC (Introducing Broker — Topstep Brokerage LLC). Published terms, accessed 2026-08-02.
4 sources · accessed 2026-08-02