Top One Trader Review 2025

Top One Trader is a prop firm that helps traders get access to real capital without risking their own money. Whether you are new or experienced, they offer different challenge types including 1-step, 2-step, and instant funding so you can pick what fits your style best. With up to 90% profit share, no deadlines, and coaching included, it is built for traders who want real growth with solid support.

Top One Trader Prop Firm Overview

Feature	Details
Company Name	Top One Trader
Broker	The broker associated with Top one Trader is Not Disclosed
Company Legal Name	The legal name of Top One Trader is Top One Trader, LLC
Company legal number	Top One Trader legal number is Is not publicly available
CEO	The CEO of Top One Trader is Matt Moris
Headquarters	Top One Trader is based in Sheridan, Wyoming, USA
Years in operation	Top One Trader has been operating since 2 years
Challenge Types	Top One Trader challenge type includes 1-Step, 2-Step challenge and instant funding
Challenge Fees	Top One Trader challenge fee starts from Starting from $81
Profit Split	Traders can earn Up to 90% profit split with Top One Trader
Account Sizes	The Account size for Top One Trader range from $12,500 to $250,000
Payouts	Top One Trader payouts are available Bi-weekly or monthly
Financial Markets	Trading instruments provided by Top One Trader are Forex, Indices, Metals, Cryptocurrencies
Trading Platforms	Platforms supported by Top One Trader are TradeLocker, MatchTrader, cTrader
TrustPilot Score	Top One Trader is rated 4.6/5 on Trustpilot
Coupon Code	TRUSTED - ✅ 25% OFF on Top One Trader Challenge

Top One Trader Pros & Cons - Quick Comparison

Before diving into any prop firm, it helps to know the good and the not-so-good, plain and simple. Top One Trader has become a go-to for many because of its fast-track challenges, high profit splits, and no-nonsense rules. But like any platform, it is not perfect. Whether you are thinking of trying the 1-step, 2-step, or instant funding route, here is a quick look at what works and what might need a second thought.

Pros	Cons
Generous profit split up to 90%	Broker information not disclosed
Flexible challenge options (1-Step and 2-Step and instant funding)	Limited educational resources
No time limits on challenges	Lower leverage on 1-Step challenge (up to 10:1)
Allows weekend and news trading	No free trial or demo accounts
Supports use of Expert Advisors (EAs)	No trading competitions available
Bi-weekly and monthly payout options	Limited tradable assets compared to some competitors
Scaling opportunities up to $5 million	Challenge fees are non-refundable if the challenge is not passed
EquityShield risk management feature	Not available in certain countries due to regulatory restrictions

Top One Step Challenge Types, Fees, and Profit Split

Top One Trader provides two primary challenge models with instant funding is designed for traders to assess and fund proficient traders:

Feature	1-Step	2-Step	Instant Funding
Account Sizes	$5K - $200K	$5K - $100K	$5K - $200K
Profit Target	10%	8% (Phase 1) / 5% (Phase 2)	None
Drawdown	4% Daily / 7% Trailing	5% Daily / 10% Static	6% Trailing
Profit Split	Up to 90%	Up to 90%	Up to 90%
Leverage	10:1	30:1	10:1
EAs Allowed	Yes	Yes	Yes
Weekend Holding	Yes	Yes	Yes
Platform	-	-	TradeLocker
Fees (From)	$29 - $499	$39 - $349	$62 - $1175

Top One Trader 1-step challenge

The 1-Step Challenge by Top One Trader is perfect for traders who want a faster and simpler evaluation without multiple phases. You get full access to trading resources, a solid 90% profit split, and just one goal: hit the 10% profit target while staying within the drawdown limits.
With no time limit, weekend holding allowed, and EAs permitted, this challenge gives you enough freedom to trade your way, without the pressure of deadlines or phase changes.

Top One Trader 1-step challenge breakdown:

Account Size	Trading Balance	Fee (1x)	Fee (2x)
$5,000	$5,000	$29	$59
$10,000	$10,000	$49	$99
$25,000	$25,000	$99	$199
$50,000	$50,000	$132	$265
$100,000	$100,000	$266	$532
$200,000	$200,000	$499	$999

Why Choose the 1-Step Challenge?

Straightforward: One phase, one goal reach 10% profit.
Fast Start: No long waiting periods or multiple steps.
Good Drawdown Room: 4% daily and 7% trailing give you space to manage risk.
High Profit Share: Keep up to 90% of what you earn.
EAs Allowed: Use automation or manual strategies your choice.
Unlimited Time: Trade at your own pace without deadlines.

Top One Trader 2-Step Challenge

The 2-Step Challenge is for traders who are confident in their consistency. With two phases to complete each with its own profit target it is a bit more structured than the 1-Step, but gives you more room to prove your skill over time.

You will still get full access to coaching, a 90% profit split once funded, and helpful risk rules like static drawdown and a 50% consistency requirement to keep your trading sharp and steady.

Top One Trader 2-Step Challenge Breakdown:

Account Size	Trading Balance	Fee (1x)	Fee (2x)
$5,000	$5,000	$39	$79
$10,000	$10,000	$62	$125
$25,000	$25,000	$117	$235
$50,000	$50,000	$162	$325
$100,000	$100,000	$349	$699

Why Choose the 2-Step Challenge?

Structured Growth: Two profit targets 8% in Phase 1, 5% in Phase 2.
Static Drawdown: 10% max drawdown that does not trail your equity.
Strong Payout Potential: Earn up to 90% of your profits.
Consistency Rule: Encourages smoother, smarter trading.
High Leverage: 30:1 to give you more trade flexibility.
Unlimited Time: No pressure from deadlines go at your pace.

Top One Trader Instant Funding

Want to skip the evaluation and get live capital straight away? Top One Trader’s Instant Funding program is for experienced traders who are ready to go live from day one. No phases. No targets. Just trade smart and withdraw profits.

You’ll still get access to trading education, high leverage, and generous profit splits all on the fast and intuitive TradeLocker platform.

Top One Trader Instant Funding Breakdown

Account Size	Trading Balance	Trailing DD	Profit Split	Fee (1x)	Fee (2x)
$5,000	$10,000	6%	Up to 90%	$62	$125
$10,000	$10,000	6%	Up to 90%	$104	$209
$25,000	$10,000	6%	Up to 90%	$196	$392
$50,000	$10,000	6%	Up to 90%	$271	$543
$100,000	$10,000	6%	Up to 90%	$528	$1057
$200,000	$10,000	6%	Up to 90%	$1175	$2349

Why Choose Instant Funding?

No Evaluation Phases : You are live from the start.
90% Profit Split: Keep more of what you earn.
Low Drawdown Limits : Max trailing drawdown capped at just 6%.
Unlimited Time : Trade on your own schedule.
TradeLocker Access : Clean interface and fast execution.
Built-in Coaching : Includes trading course access to sharpen your edge.

Which Challenge Should You Choose?

Challenge Type	Best For
1-Step	Experienced traders wanting speed, simplicity, and fast payouts
2-Step	Consistent traders who prefer a structured evaluation with defined milestones
Instant Funding	Skilled traders ready to trade live immediately without any evaluation phase

Our Review on Top One Trader Challenges

Top One Trader does a great job balancing structure with flexibility something not all prop firms pull off well. They offer three challenge types, each catering to different trader mindsets. The 1-Step Challenge is perfect if you are confident and want a quicker path to funding, while the 2-Step Challenge is ideal for those who prefer a more measured, consistent approach. Both options offer up to 90% profit split, solid drawdown rules, and unlimited time, which really takes the pressure off.

What’s interesting is their Instant Funding model. You skip the whole evaluation process and go live immediately. That’s a bold choice, but great for seasoned traders who just want to get started.

All in all, Top One Trader keeps things transparent. Whether you like to move fast or take your time, they give you room to grow, without overwhelming you with complex rules. A solid pick for traders who want clarity, payout potential, and challenge flexibility.

Top One Trader Scaling Plan

Grow Your Account All the Way to $5 Million

Top One Trader does not just fund you they grow with you. If you are serious about long-term trading, their scaling plan is designed to help you build real momentum, not just hit short-term targets.

Here is how it works in simple words:

Start with any funded account (up to $300K), and if you show consistent results, you can scale up your capital over time up to a maximum of $5 million.

How Scaling Works

Timeline: Every 3 months, your performance is reviewed.

Goal: Gain a total of 25% across those 3 months.

You must hit at least 8% in each month.

Reward: If you qualify, you will get 25% more capital based on your original account size.

Example:

Start with $100,000 → Hit the target → Get bumped to $125,000 → and so on.

Do You Need to Keep Your Profits in the Account?

Nope! You can still withdraw your profits monthly. What matters is hitting that 25% total gain. But yes if you let your profits sit in the account, you might scale up even faster.

Top One Trader wants to back real traders, not just one-time performers. If you are consistent, they will keep increasing your firepower.

Our Review on Top One Trader’s Scaling Plan

Top One Trader’s scaling plan is simple and rewarding. If you stay consistent hitting 25% total gain over 3 months with at least 8% each month they will increase your capital by 25% of your starting balance. You don’t need to keep profits locked in either; withdrawals won’t hurt your scaling eligibility.

It is a solid system for traders focused on long-term growth, not just short-term wins. Perform well, and you can scale all the way up to $5 million.

Top One Trader Spreads and Commission

Spreads:

Top One Trader offers competitive spreads through various platforms:

Match Trader: To check raw spreads on Match Trader. Go through this link.
mail: spreadtest@topone.com
Password: ehdcjt7crfpe

Trade Locker: To check spreads on Trade Locker, Go through this link

Email: spreadtest@topone.com
Password: F5sa,AVFw7m]
Server: TOPONE
cTrader: Traders can check the spreads on cTrader web trader platform. Click here to check.

Trading Commissions

Commissions vary depending on the platform:

Match Trader: $2.00 per lot for FX, Metals, Indices, Crypto
Trade Locker: $2.50 per lot for the same assets
cTrader: $2.00 per lot for FX & Crypto, no commissions on Metals & Indices

If you are a serious trader about growing, this plan gives you room to scale, not just trade. Stay consistent, and Top One Trader rewards you with real capital increases. Simple, fair, and built for long-term success.

Top One Trader Daily Drawdown : What You Need to Know

One of the things that really sets Top One Trader’s Instant Funding Accounts apart? There are no daily drawdown rule. Yup, you read that right.

Most prop firms put a daily cap on how much you're allowed to lose in a day. It’s a common way to control risk but it can also mess with your flow, especially during volatile market days.

But with Top One Trader's Instant Funding program, you’re not boxed in. You won’t get shut down just because one trade went sideways. This gives you way more freedom to handle the market your way, especially if you’re already good at managing your overall account risk.

So what’s the deal?

No daily limit on how much you can lose in a day.
You still have to manage your trailing drawdown (so don’t go all-in recklessly).
It’s designed for traders who trust their process and think long-term, not just trade by tight daily rules.

In short, you get more breathing room just make sure you use it wisely.

Top One Trader Prohibited Trading Rules

They have laid out clear rules to make sure no one cheats the system, and if you try to bend those rules, there’s a good chance your account will be shut down. These rules are not here to scare you they are here to keep things fair and sustainable for everyone on the platform.

Here is a simplified table of what is allowed and what’s not:

Rule	Allowed?	Details
Weekend Trading	Yes	You can hold trades over weekends across all account types.
Expert Advisors (EAs)	Limited	Allowed if transparent and not masked. Pre-made commercial bots are not allowed.
High-Frequency Trading / Tick Scalping	No	No ultra-fast trading or holding trades for just seconds.
Latency Arbitrage / Delayed Feed Tricks	No	Using execution delays or feed mismatches to gain an edge is strictly banned.
Copy Trading (Own Accounts)	Yes	Allowed only if all accounts are under your own name.
Copy Trading (External / Group)	No	Copying trades across unrelated accounts or in groups is not allowed.
Hedging (Same Account)	Yes	You can hedge inside one account.
Hedging Across Accounts	No	Hedging trades across different accounts or firms is not allowed.
News Trading (Funded Only)	No	No opening or closing trades 5 mins before/after high-impact news unless trade was open 5+ hours.
Grid Trading	No	Placing buy/sell orders at regular intervals is not allowed.
Martingale Strategy	No	Doubling down on losing trades? Completely banned.
Third-Party / “Pass Your Challenge” Services	No	You must trade your own account no outsourcing or hiring someone else.
Gambling / YOLO / Overleveraging	No	Reckless risk-taking is not tolerated.
Multiple IP Addresses (Shared Use)	No	Don’t log in from the same IP as others unless authorized.
Account Churning / Rolling	No	Opening many evaluations and abusing the system is strictly banned.
U.S. Traders on cTrader	No	Logging in to cTrader from the U.S.? Your account will be hard-breached.

Top One Trader News Trading Rules

Traders can trade freely during news events within the challenge phases.

Funded traders cannot open or close trades five minutes before or five minutes after a major news event. A trader who begins or ends their trading activities (even in preset orders such as stop loss or take profit) within five minutes of a high-impact event stands to lose any profits earned during that interval.

Trades may be held through news events if they are initiated at least five minutes before the event.

Final Thought on Top One Trader Trading Rules

These rules are not here to scare you they are here to keep things real and simple for traders. If you are trading with integrity, none of these should be an issue. Just stick to your strategy, manage your risk, and you will have a smooth ride. But if you are thinking about shortcuts, this is not the place. Top One Trader takes rule violations seriously and they are not shy about shutting things down fast.

Instruments Offered by Top One Trader

Top One Trader offers a good range of instruments whether your interest lies in forex, metals, indices or crypto. If you are a serious trader looking to build strategy across major markets too and are working with individual stocks, there is still plenty to work with.

Here is a quick summary of what are the tradable assets on TradeLocker, Match Trader, cTrader, and Platform 5.

Forex (Currency Pairs)

You get all the usual major pairs and a strong variety of minors and crosses.

Majors: EURUSD, GBPUSD, USDJPY, AUDUSD, NZDUSD, USDCAD, USDCHF
Minors/Crosses: AUDCAD, CADJPY, EURNZD, GBPAUD, EURGBP, GBPJPY, EURCHF and more.

Indices (No Individual Stocks)

You can trade big market indices from around the world, including:

Europe & UK: EU50, FRA40, GER30/40, UK100, ITA40, SPA35, SUI20
USA: US30, US100, US500, US2000
Asia-Pacific: AUS200, JAP225, HKIND, CHNIND

Note: Some indices are “coming soon” to TradeLocker, so double-check your platform for availability.

Precious Metals

You are in luck if precious metals are your business, including gold and silver:

XAUUSD (Gold)
XAGUSD (Silver)

Cryptocurrencies

Cryptocurrencies have become extremely popular in the past few years.

Top One provides access to the major players in crypto:

BTCUSD - Bitcoin
ETHUSD - Ethereum

Do not forget that crypto spreads are usually larger than those in forex. Thus, make sure your plan is adjusted properly.

Our Review on Instruments

Top One Trader keeps it clean and focused no distractions from penny stocks or random assets. Whether you are a forex scalper, an indices swing trader, or a crypto enthusiast, there’s enough here to build and test solid strategies. Always match your instrument with your trading style and don’t forget to check which instruments are available on your chosen platform before diving in.

Payment & Payout Process at Top One Trader

Top One Trader has made the payout process simple, here are a few steps you should be aware of. Here is how everything works:

How You will Get Paid

Top One Trader uses RiseWorks to process all trader payouts.

You can receive your withdrawal through:

Bank Transfer
Cryptocurrency (great for faster global access)

A small 2% processing fee applies to all payouts so make sure to factor that in when planning your withdrawals.

How to Request a Payout

When you are eligible to withdraw profits (as per your plan rules), a “Payout Request” button will pop up on your trader dashboard.

Here’s what happens next:

You hit the payout button.
The Top One accounts team gets notified.
Within 24 hours, you’ll get an email invite from RiseWorks. (Not auto-sent, so give it a little time.)

What to Do When You Get the RiseWorks Invite

Your email invite will have a button to “Accept Invite” once you click that:

Enter your details
Complete KYC (Know Your Customer) verification
Set up your Rise ID and a Signing Key
Finish any tasks listed in your Rise dashboard

Once that is done, the payout process begins.

How Long Does It Take?

Risk Review: 12 to 72 hours
Payout Sent: After your RiseWorks account is verified
Confirmation: You will get a certificate of withdrawal in your dashboard after completion

Final Word on Payouts

Top One Trader ensures seamless operations. All you need to do is follow simple steps, check your email, and profits will be rolling in. The system supports both bank and crypto transactions. Keep in mind the system fee of 2%, and allow 1 to 3 days for processing.

Country Restrictions at Top One Trader

Top One Trader follows strict compliance rules. That means traders from certain countries, especially those flagged by OFAC (Office of Foreign Assets Control), are not allowed to use the platform.

Restricted Countries at Top One Trader

Afghanistan
Albania
Algeria
Armenia
Azerbaijan
Cuba
Iran
Iraq
Kazakhstan
Kuwait
Lebanon
Libya
Macedonia
Morocco
Pakistan
Russian Federation
Somalia
Sudan
Syria
Turkey
Ukraine
Vietnam

Final Thought on Top One Trader

Top One Trader is not just another prop firm trying to ride the wave it is built for traders who are serious about growth, not gimmicks. Whether you are chasing consistency, looking for a flexible challenge, or want a real shot at scaling up to millions in capital, they have got the tools and support to back you.

They don’t promise shortcuts. But if you are willing to put in the work, stay within the rules, and manage risk smartly Top One Trader might just be the steady partner you need in your funded trading journey.

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