Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Upcomers | Elites Funding |
|---|---|---|
| Payout | ||
| Profit Split | 99% | 80% (up to 90%) |
| First Payout | 5 | 10 |
| Payout Frequency | On-demand (avg 12h) | Daily (after 10 trading days funded) |
| Max Account Size | $1,000,000 | $200,000 |
In this independent head-to-head comparison of Upcomers vs Elites Funding, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
Upcomers: 99% Profit Split. 1,200+ Markets. Bybit Crypto Integration.
Elites Funding: Gibraltar, Est. 2023. Fee Refunded on Passing. 24h Payout Guarantee. Daily Payouts.
Based on our independent scoring methodology, Upcomers scores 8.7/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: Upcomers scores 8.7/10 vs Elites Funding at 8.2/10.
Minimum Fee: Upcomers starts from $31.80; Elites Funding starts from $95. Upcomers is cheaper at entry level.
Profit Split: Upcomers offers 99%; Elites Funding offers 80% (up to 90%). Elites Funding has the higher split.
Platforms: Upcomers supports MT5, cTrader, TradeLocker, Match Trader, dxTrade, Bybit; Elites Funding is on MT5, TradeLocker.
Tradeable Markets: Upcomers covers Forex, Metals, Indices, Stocks, Crypto, Energies, Commodities; Elites Funding offers Forex, Crypto (BTC, ETH, SOL, XRP), Indices, Commodities, Gold.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Upcomers and Elites Funding compare on pricing.
Upcomers challenge fees start from $31.80. The firm has operated since 2023. They have funded over 65,000+ traders. Total payouts to date: $6,000,000+.
Elites Funding challenge fees start from $95. The firm has operated since 2023. They have funded over 40,000+ traders. Total payouts to date: $12,000,000+.
On entry-level pricing, Upcomers offers a lower starting fee — an important factor if you are testing with a smaller account first.
Upcomers profit split: 99%. Elites Funding profit split: 80% (up to 90%). Elites Funding delivers the higher cut to traders.
Payout frequency: Upcomers pays On-demand (avg 12h); Elites Funding pays Daily (after 10 trading days funded). Faster payouts are better for cash flow management.
Here is our full independent review of Upcomers:
Upcomers was founded in April 2023 by CEO Jakub Zeliska, operating under Royal Flow FZCO in Dubai with additional hubs in Prague and Miami Brickell. The firm has funded 65,000+ traders across 180+ countries and has distributed $6M+ in payouts at a 99% approval rate. At its core, the headline proposition is simple: a 99% profit split — the highest of any prop firm we have reviewed — across all programs and account sizes from $2,000 to $1,000,000.
The platform runs an in-house proprietary dashboard with an AI trading assistant called Fin, and integrates Bybit directly as a crypto trading venue, giving traders access to actual crypto markets rather than just crypto CFDs. Over 1,200 instruments are available including forex, metals, indices, stocks (Nvidia, Tesla, Apple, Microsoft), energies, and crypto.
Upcomers suits discretionary traders who want the maximum possible profit retention and broad instrument access — particularly those who trade stocks or crypto alongside forex. The 99% split is genuinely market-leading. The $1,500,000 standard scaling ceiling (with VIP scaling to $4,000,000) gives serious traders a clear path to significant capital.
Critical rule: automation is strictly and immediately banned. No Expert Advisors, no bots, no copy trading — any detected use results in immediate account termination. Discretionary traders only.
Upcomers offers multiple evaluation paths across different step counts:
Fees shown reflect current promotional pricing. Standard fees and exact per-size breakdowns are available at upcomers.com.
Six platforms supported: MetaTrader 5, cTrader, TradeLocker, Match Trader, dxTrade, and Bybit (crypto). Raw spreads from 0.0 pips. News trading permitted. Overnight and weekend position holding allowed.
Automation ban: Expert Advisors, algorithmic bots, and copy trading are prohibited across all accounts. Violation triggers immediate account closure with no appeal. Traders who use EAs as part of their workflow should not join Upcomers.
Instruments: 1,200+ markets — forex, metals (gold, silver), indices (Nasdaq 100, S&P 500, DAX), crypto (Bitcoin, Ethereum, Solana via Bybit), stocks (Nvidia, Tesla, Apple, Microsoft), energies, commodities.
Upcomers earns a 7.7 BestProp score. The 99% profit split is unmatched in the prop firm space. Bybit integration for real crypto trading, 1,200+ instruments including stocks, a 99% payout approval rate, and sub-12-hour processing are all genuine positives. The AI assistant Fin adds a tool layer that most competing platforms don’t offer.
Two negatives worth flagging: the strict and immediate automation ban will exclude a significant portion of systematic traders, and the up-to-10% crypto withdrawal fee is the highest we have recorded — traders should factor this in before choosing crypto as their withdrawal method. Upcomers has no Trustpilot profile at time of writing; independent ratings are from Feefo (4.9/5 from 2,800+ reviews) and Google (4.7/5).
Here is our full independent review of Elites Funding:
Elites Funding was founded in 2023 and is operated by MASTERLABS LIMITED (Registration #123237), headquartered in Gibraltar. The firm has paid out $12M+ to 40,000+ traders across 140+ countries, and holds a 4.6/5 Trustpilot rating from 240+ reviews. Maximum initial account size is $200,000, scaling to $300,000 with performance milestones. All accounts operate on MetaTrader 5 or TradeLocker. Challenge fees are fully refunded upon successful challenge completion.
A standout operational feature: Elites Funding offers a 24-hour payout guarantee — if processing exceeds 24 hours, the firm pays an extra $1,000. Payouts are available daily after 10 trading days on funded accounts.
Standard 2-Phase ($95-$949 for $10K-$200K): Phase 1: 9% profit target. Phase 2: 5% profit target. Daily loss: 5%. Max drawdown: 10% static. No consistency rule. News trading permitted. Fee refunded on passing. Up to 90% split. Best for traders who prefer two-phase evaluation with wider drawdown buffers and a lower Phase 1 target than single-phase programs.
Express 1-Phase ($105-$1,090 for $10K-$200K): Single phase, 10% profit target. Daily loss: 3%. Max drawdown: 6% static. No consistency rule. News trading permitted. Fee refunded on passing. Up to 90% split. Tighter drawdown parameters than Standard, but single-phase completion and a slightly higher entry fee premium.
Instant Funding ($157-$525 for $10K-$50K): No evaluation required. No profit target. Daily loss: 3%. Max drawdown: 5% trailing (not static — the drawdown ceiling moves with equity peaks). On-demand funded access. Up to 90% split. The trailing drawdown means traders must be careful not to give back profits — the ceiling locks at the highest equity reached.
Platforms: MetaTrader 5, TradeLocker. Instruments: Forex, Crypto futures (BTC, ETH, SOL, XRP), Indices (NAS100, SPX500, JPN225), Commodities (USOIL, Gold, Silver, Copper). Both MT5 and TradeLocker are accessible at no extra cost within the same program.
Elites Funding earns a 7.0 BestProp score. Founded in 2023 by Gibraltar-registered MASTERLABS LIMITED, the firm has built a credible early track record: 4.6/5 Trustpilot, $12M+ paid, 40,000+ traders. The 24-hour payout guarantee with $1,000 penalty is a meaningful accountability commitment. Fee refund on successful challenge completion removes downside risk. No consistency rule and news trading permitted on all programs add flexibility. Daily payouts after 10 days is fast for the industry.
Key limitations: EAs are completely prohibited — making Elites Funding unsuitable for any algo or semi-automated trader. Payouts are issued exclusively in USDT ERC20 — traders who prefer bank wire or other crypto must convert after withdrawal. The 240+ Trustpilot review count, while positive, is modest for a firm claiming 40,000+ traders. The $200K account ceiling (before scaling) and Gibraltar registration place this in the mid-tier. A solid choice specifically for manual traders who prioritise daily payouts and guaranteed processing speed.
Overall, our independent scoring gives Upcomers the edge in this 2026 comparison. However, both firms have their merits. If Elites Funding better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, Upcomers scores higher overall (8.7/10). The best choice depends on your trading style, preferred instruments, and account size.
Upcomers offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
Elites Funding offers the higher profit split. Upcomers: 99%. Elites Funding: 80% (up to 90%).
EA policies: Upcomers — check the review. Elites Funding — check the review. Always verify the latest policy directly with the firm.
News trading: Upcomers — check the review. Elites Funding — check the review.
Read the full Upcomers review → · Read the full Elites Funding review →
Based on our scoring methodology, Upcomers edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
Upcomers offers 99% profit split, while Elites Funding offers 80% (up to 90%) profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Upcomers processes first payouts in 5 day(s), while Elites Funding takes approximately 10 day(s). Always verify current payout timelines on the firm's website.
Neither Upcomers nor Elites Funding are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
