Introduction

Top One Trader has become one of the fastest-growing prop firms in 2025 - known for its simple trading rules, low-cost challenges and fast payouts. In this Top One Trader 2025 Review, we’ll cover everything you need to know about this prop firm. 
 

We’ll break down the details about 1-Phase & 2-Phase challenges, Instant Funding & Instant Prime, rules for challenge phase and funded phase, profit targets, drawdowns, profit splits, and how their payout works. Know what Top One Trader Account features you can benefit from with real user experience and feedback. 
 

We’ll also share our verdict on each program, and by the end, you’ll know exactly which Top One Trader account type fits your trading style.
 

Learn About Top One Trader (2025 Overview)

Top One Trader has become one of the fastest-growing prop firms over recent years. It is one of the prominent prop firms that traders can consider for trading with funded capital. The Top One Trader instant funding models help traders to fulfil their financial goals and aspirations with high income growth and profit potential. They can enter directly into a funding program or, upon successful completion of the evaluation. Top One Trader has simple risk rules, flexible trading conditions, and faster withdrawals. Top One Trader offers a broad array of tradable assets, including forex, commodities, and cryptocurrencies. The platform is designed for novices and seasoned traders, enabling them to build a long-term, successful trading career.
 

Top One Trader Challenge Breakdown (1-Phase & 2-Phase)

Top One Trader offers two evaluation models: a simple 1-Phase challenge and a traditional 2-Phase challenge - which are popular choices among prop traders. The traders need to achieve different profit targets at each phase. The 1-phase challenge has a larger profit target than the 2-phase challenge. Each phase has a different daily loss limit, maximum static/trailing drawdown limit, leverage, and trade restrictions, critical for the trader to pass the challenge phases successfully.
 

1-Phase Challenge by Top One Trader

Key Rules to Follow to Pass the 1-Step Challenge:

• Profit Split: up to 90%
• Achieve a Profit Target of 10%
• Do not exceed the Daily Loss Limit: 4%
• Do not exceed the Max Drawdown (Trailing): 7%
• Consistency Rule: None
• Leverage: 10:1
• EAs and Weekend Holdings: Allowed
• Time Limit to pass the challenge: none
• Account Sizes: From $10K, $25K, $50K, $100K, and up to $200K.
• One-Step Challenge fee: starts at $12 (discounted) for $5,000 account

2-Phase Challenge by Top One Trader

Key Rules to Follow to Pass the 2-Step Challenge:

• Profit Split: up to 90%
• Achieve Profit Target: typically 8% in Phase 1 and 5% in Phase 2
• Do not exceed the Daily Loss Limit: 4%
• Do not exceed the Max Drawdown (Static): 8%
• Consistency: 50%
• Leverage: 30:1
• EAs and Weekend Holdings: Allowed
• Time Limit to pass the challenge: none
• Account Sizes: From $10K, $25K, $50K, $100K, and up to $200K.
• One-step Challenge fee: starts at $34 (discounted) for $5,000 account

Our Verdict on Top One Trader Challenge Accounts

One of the simplest one and two-phase challenges, with straightforward rules. Generally, the traders will find it easy to pass and qualify for a funded account. They offer one of the lowest challenge fees through discount offers. Overall, we rate the challenge model of Top One Trader as credible.

Top One Trader Instant Funding Explained

Top One Trader also offers Instant Funding - a direct funding model with no evaluation, no profit targets - just direct access to simulated capital in the form of a funded account.
 

Instant Funding (Start Trading from Day 1)

Key Rules to Stay Funded and Request Payouts

• Profit Split: up to 90%
• No Profit Target: None
• Do not exceed the Daily Loss Limit: 3%
• Do not exceed the Max Drawdown (Trailing): 6%
• Consistency: 15%
• Leverage: up to 50:1
• Weekend Holdings: Allowed
• Time Limit: None
• Account Sizes: From $10K, $25K, $50K, $100K, and up to $200K.
• Instant Funding fee: starts at $27 (discounted) for $5,000 account

Instant Prime (Premium Direct Funding)

Key Rules to Stay Funded and Request Payouts

• Profit Split: up to 100%
• No Profit Target: None
• Do not exceed Daily Loss Limit: 2.5%
• Do not exceed the Max Drawdown (Trailing): 6%
• Leverage: up to 50:1
• Weekend holdings and News Trading: Allowed (conditional)
• Equity Stability Score (ESS): 20%
• Time Limit: None
• Account Sizes: From $10K, $25K, $50K, $100K, and up to $200K.
• Instant Funding fee: starts at $19 (discounted) for $5,000 account

Our Verdict on Top One Trader Instant Funded Accounts

The instant Funding and Instant Prime accounts are protected by EquityShield, which works to protect the firm’s and traders’ capital. EquityShield automatically closes your trades if the daily loss exceeds 2% on any one symbol or 2.5% on all symbols. It protects the interests of the traders and the firm. With consistent payouts, high profit split, transparent and straightforward rules, we highly recommend the instant funding accounts of Top One Trader.

Top One Trader Account Size & Fees

Top One Trader offers a flexible, wide range of account sizes to suit every trader’s goal: From $5K, $10K, $25K, $50K, $100K, and up to $200K. The account fee depends on the account type (challenge or instant funding) and the account size they select.
 

Comparison Table: Top One Trader Challenge vs Instant Funding

Our Verdict on Top One Trader Challenge Accounts

The Top One Trader challenge phases come with simple rules. Traders can pass evaluations easily within the risk control measures. The challenge profit targets are easy to achieve, and challenge fees are one of the lowest and refundable.
 

Rules You MUST Follow to Avoid Account Closure

The Top One Trader Challenge phases and instant funding accounts comprise important rules that every trader must know and respect. Understanding the rules and risk management parameters will keep the account active without any risk of closure.

• Respect daily drawdown
• Respect the max daily loss.
• No gambling behaviour
• Use proper risk management.
• Avoid cheating, copy-trading, or abusive practices.

Top One Trader - A Must-Follow the Consistency Rule

The traders undergoing the Phase 1 challenge and Instant Prime do not have to worry because they do not have a consistency parameter. Traders in Phase 2 of the challenge and Instant Funding must meet the consistency rule. The evaluation Phase 2 has a consistency of 50% and Instant Funding has a consistency of 15%.
 

Inactivity Rule

Do not keep your account unused for too long to avoid temporary suspension or closure. Traders simply need to place trades regularly to keep the account active.
 

Platform Access: What Does Top One Trader Support? (2025 Guide)

A world-class trading platform and support with the best platform technology and a great support team make Top One Trader stand out from the rest. They value their traders most and follow a trader-first policy. Top One Trader’s advanced trading platform provides a seamless trading experience and supports quick trades.
 

A Wide Range of Trading Platforms Supported by Top One Trader

Top One Trader supports multiple platform technologies. They have Tradelocker, MetaTrader, MatchTrader, and MatchTrader5. They also use a widely admired broker, cTrader.

Top One Trader Trading Conditions Traders Must Know

• Competitive spreads, high profit splits, and fast payouts
• Traders' profit levels soar with low commissions charged on the platform
• Fast trade execution with highly advanced trading platform technology
• Leverage up to 50:1, which helps in ensuring larger funded capital and position size

Our Verdict on Trading Platforms Supported by Top One Trader

Top One Trader offers a sophisticated and popular trading platform and technology. The advanced platform enhances execution quality, speed, and trading conditions, making them suitable for all types of traders and trading strategies.
 

What Trading Instruments Can You Trade on Top One Trader?

Top One Trader supports a wide range of assets.
 

You can trade:

• Forex pairs
• Indices (US30, NAS100, GER40, etc.)
• Commodities
• Metals
• Cryptocurrencies
• Commodites

Our Verdict on Trading Instruments Offered by Top One Trader

Top One Trader’s wide range of instruments makes it ideal for traders who trade simultaneously on multiple markets and asset classes. It allows traders enough freedom to build any trading strategy they prefer.
 

Top One Trader Payout Rules & Eligibility: When Can You Request a Payout?

• When you meet active trading days, and have not violated any rules or risk management constraints.
• The first payout request is after 14 days (bi-weekly) or monthly.
• You have a positive profit on account with the minimum balance limit met.

Top One Trader Payout Conditions by Account Type

Your first payout can be processed 30 days after being funded, and you can request bi-weekly (with add-on), along with a full refund of your challenge fee.
 

How Fast Are Top One Trader Payouts Processed?

Traders can request after 14 days and receive payouts monthly or bi-weekly (with add-ons). Most payouts are processed within 24 hours after approval.
 

Top One Trader Scaling Plan (Up to $5 Million)

Top One Trader offers a scaling plan of up to $5 million. Although the initial funding is $200,000, eligible traders scale their account size up to $5 million. With a larger account size, traders can trade on a much larger capital and ensure a strong position size in the market.
 

What Traders Say About Top One Trader (User Feedback Summary)

Traders like the simplified challenge phase and funding model, easy-to-use platform technology, and simple rules and support. Traders claim to have earned consistently high profits. They like that there is no set profit target in the funding models. The enormous profit split, faster payouts, and unlimited trading time make it the traders’ favorite.

Final Verdict: Is Top One Trader Worth It in 2025? 

The Top One Trader platform is a modern prop trading firm. With its simple trading challenge programs, transparent rules, super-fast payouts, no profit targets (funding models), and customer support, it is increasingly becoming popular among traders. The entry cost to the challenge is one of the lowest in our industry. Most traders can join the challenge and earn their funded account as soon as they pass. What makes the platform unique is the permissible strategies, including weekend holdings, news trading, and EAs, which most prop trading platforms do not allow.
 

Top One Trader is arguably one of the best prop trading platforms with a thriving trader base. It provides capital to the traders through its instant funding models or one and two-step evaluations. Its easy-to-follow rules & achievable targets make it a go-to prop trading firm in 2025.

Bonus Tis on trop One Trader before you go

Take advantage of the ongoing discounts that make the entry cost dirt cheap. For example, a $64 challenge package 1 is costing just $19. Read the Top One Trader FAQs and follow their newsletters. It is the right time to join Top One Trader and start trading immediately.