Head-to-head · Independent comparison
The5ers vs Upcomers
How The5ers and Upcomers stack up on profit split, pricing, payouts and the rules that bind a funded account — advertised claims separated from what we could verify.
Established firm with transparent High Stakes rules; a stricter 'profitable days' gate and MT5-only core product are the trade-offs.
Broad product line and a genuinely high split on Thunderbolt funded; trailing drawdown and heavy 'up to' framing are the trade-offs.
On our five-dimension scorecard, Upcomers rates marginally higher overall — but the dimension-by-dimension breakdown below matters more than the average.
Advertised maximums
The numbers, head-to-head
Headline figures from the structured plan data for each firm. “Up to” splits and max funding are ceilings reached via tiers or scaling — not the figure every trader gets.
Profit split — headline maximum (%)
Higher is betterEntry price — lowest advertised ($)
Lower is betterMax funding — headline ($)
Higher is betterOur editorial scorecard (0–5)
Who wins each dimension
| Dimension | The5ers | Upcomers | Edge |
|---|---|---|---|
| Pricing & value | 4.0 | 4.0 | Tie |
| Profit split | 5.0 | 5.0 | Tie |
| Payout speed | 3.0 | 5.0 | Upcomers |
| Rules flexibility | 3.0 | 3.0 | Tie |
| Transparency | 4.0 | 4.0 | Tie |
Scores are The Prop Examiner’s editorial assessment, not user reviews. See our methodology.
Advertised vs verified
At a glance
The5ers
- Payout minimum & methods
- Not confirmed from the official pages reviewedverify before launch
Upcomers
What actually binds you
Key trading rules compared
The5ers
| Phase / model | Rule | Published value |
|---|---|---|
| Phase 1 | Profit target | 10% (Classic variant 8%) |
| Phase 2 | Profit target | 5% |
| All | Daily loss limit | 5% (from higher of prior day close or 00:00 balance) |
| All | Max overall loss | 10% from initial balance — static |
| All | Minimum trading days | 3 profitable days (closed positions netting ≥ +0.5%) |
| All | Inactivity | Accounts expire after 30+ consecutive days with no activity |
| All | Prohibited styles | Not detailed on pages reviewed — check full termsverify |
Upcomers
| Phase / model | Rule | Published value |
|---|---|---|
| Challenge | Profit target | 5% net profit |
| Challenge | Daily loss limit | 6% max within a single day |
| Challenge | Overall loss limit (Dynamic Risk Shield) | 10% below highest equity (trailing) |
| Challenge | Minimum trading days | None |
| Challenge | Consistency / Best Day Rule | Does not apply |
| Funded | Daily loss limit | 3% max daily loss |
| Funded | Overall loss limit (Dynamic Risk Shield) | 6% below peak equity (trailing) |
| Funded | Max risk per trade | 3% of initial balance (hard breach) |
| Funded | Consistency (Best Day Rule) | No single day > 20% of total withdrawal (soft) |
| Funded | Profit split | 99% to trader |
| Funded | Withdrawal requirement | Reach 1% profit on initial balance first |
Rules vary by product. For a plan-by-plan comparison, use the account comparison tool.
Balanced view
Pros & cons
The5ers
Strengths
- Long operating history (since 2016) with UK and Israel company registrations.
- High Stakes profit split scales from 80% toward 100%, rewarding sustained performance.
- No maximum trading-period limit on High Stakes evaluations; only an inactivity expiry.
- Low advertised entry price for the smallest account size.
Cons & open risks
- A 'profitable days' requirement (not just trading days) can lengthen the path to a payout.
- Minimum payout amount and exact withdrawal methods were not confirmable from the pages reviewed.
- Prohibited trading styles were not clearly listed on the pages reviewed.
- Forex/CFD trading is MT5-only on the core product.
Upcomers
Strengths
- Documented, public rules and a help center you can read before buying.
- Wide range of account sizes and products (challenge + instant funding).
- High advertised profit split (up to 99%, verified at 99% on Thunderbolt funded).
- No minimum trading days on the Thunderbolt challenge.
- States it does not act as a broker or accept deposits for investment.
Cons & open risks
- Headline figures (up to $1.5M, up to 99%) are maximums, not typical outcomes.
- Profit split and rules vary by product — 99% is verified only on Thunderbolt funded.
- Trailing drawdown (“Dynamic Risk Shield”) is stricter than a static limit.
- Promotional pricing changes frequently and is not permanent.
- Self-reported metrics (e.g. 99% payout approval) are not independently audited.
- As with all prop challenges, most buyers do not reach a payout.
Our take
Which should you choose?
Upcomers rates marginally higher on our scorecard, but "better" depends on what you trade and the rules you can live within. Read each verdict, then verify the figures for your exact product before buying.
The5ers is one of the more established names in the space, with a clearly documented High Stakes ruleset and a profit split that scales meaningfully for consistent traders. The 'profitable days' requirement and MT5-only core product are tradeoffs worth weighing, and a few payout specifics need confirming at checkout.
Upcomers documents its rules publicly and offers an unusually broad product line with a genuinely high split on its Thunderbolt funded product. The trade-offs are a trailing “Dynamic Risk Shield” drawdown that is less forgiving than a static limit, heavy reliance on “up to” headline figures, and promo pricing that shifts. It is a reasonable option to compare if you read the rules for your exact product, treat the headline numbers as ceilings, and start with the smallest suitable plan.
Affiliate disclosure: The Prop Examiner is an independent project and may earn a commission if you sign up through some of our links. We are not affiliated with any firm reviewed. Trading challenges are simulated/educational products; no profits or payouts are guaranteed.
Common questions
The5ers vs Upcomers FAQ
- Is The5ers or Upcomers better?
- Our independent ratings: The5ers 4.2/5, Upcomers 4.4/5. Upcomers edges it on our scorecard, but the right pick depends on your market, budget and the rules you can trade within.
- Which is cheaper to start, The5ers or Upcomers?
- Lowest advertised entry price: The5ers from $15, Upcomers from $39. The5ers has the lower starting price, but compare like-for-like account sizes — cheapest is not always best value.
- Which has the higher profit split, The5ers or Upcomers?
- Headline ("up to") maximums: The5ers 100%, Upcomers 99%. The5ers advertises the higher ceiling — but top splits are usually gated behind tiers or scaling, not what every trader gets.
- Does The5ers or Upcomers pay out faster?
- The5ers: Withdrawals available from the dashboard every 14 days. Upcomers: On-demand after 1% profit; “12h” advertised, <1h avg claimed. Payout speed and eligibility depend on the product and on meeting each firm's rules; no payout is guaranteed.
Cited & dated
Sources
Figures trace to each firm’s own pages, accessed on the dates shown. Re-verify before relying on any number — pricing and promos change.
- 1.The5ers — High Stakes program page· accessed 2026-06-17
- 2.The5ers — High Stakes general rules (Help Center)· accessed 2026-06-17
- 3.The5ers — About· accessed 2026-06-17
- 4.The5ers — instruments (Help Center)· accessed 2026-06-17
- 5.The5ers — where is The5ers registered (Help Center)· accessed 2026-06-17
- 6.Upcomers — homepage (headline claims)· accessed 2026-06-17
- 7.Upcomers — how we operate· accessed 2026-06-17
- 8.Upcomers — Thunderbolt complete rules· accessed 2026-06-17
- 9.Upcomers — instruments & platforms· accessed 2026-06-17
- 10.Upcomers — affiliate program terms· accessed 2026-06-17
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