Top One Trader Review and Analysis
Overview
Top One Trader aims to empower traders by providing structured evaluation programs, access to multiple trading platforms, and continuous support to maximize their results. By offering a simulated trading environment and the necessary resources, Top One Trader evaluates participants' performance and seeks to develop consistent and disciplined traders.
Funded Accounts
How to Sign Up with Top One Trader
To get started with Top One Trader, follow these steps:
- Visit the Top One Trader website and choose an evaluation challenge that aligns with your trading objectives.
- Register an account by providing your personal details.
- Select your preferred payment method—options include Credit Card and Cryptocurrencies—and pay the challenge fee.
- Upon payment confirmation, you'll receive access to a demo account to complete the chosen assessment.
- Successfully passing the assessment grants you access to a funded account, where you can trade and earn profits based on the firm's profit-sharing model.
Upon completing an evaluation successfully, traders are issued a funded account with the same parameters they had in their evaluation. The profit split begins at 75% for the Flash Challenge and 80% for the Pro Challenge, both of which can be increased to 90% via performance milestones or optional add-ons.
Top One Trader offers biweekly payouts with the first withdrawal eligible 30 days after receiving the funded account. Payouts are processed within 24–48 hours and can be sent via crypto, PayPal, or bank wire. Refunds of challenge fees are also processed with the first payout. There’s no enforced consistency rule, and account inactivity only becomes an issue after 30 days of no trades.
Importantly, the firm offers a scaling plan up to $5 million. Traders must achieve 12% profit in a 3-month period (without needing to retain profits in the account), and scale-ups are processed quarterly. This gives consistent performers a meaningful growth path beyond static funding tiers.
Challenge Overview
Top One Trader stands out by offering both a traditional two-phase evaluation and a more aggressive one-phase "Flash" challenge. These allow traders to choose between a more gradual approach with lenient rules or a fast-track route with tighter drawdown limitations. Additionally, both models have no time limits or minimum trade durations beyond requiring three profitable days, allowing traders to work at their own pace without artificial pressure.
The firm supports trading across a variety of asset classes — including forex, indices, commodities, and cryptocurrencies — and is integrated with five trading platforms: MetaTrader 4 (MT4), MetaTrader 5 (MT5), TradeLocker, cTrader, and Match-Trader. This level of platform flexibility gives traders a rare level of convenience and toolset access. Traders are also permitted to use Expert Advisors (EAs), engage in weekend and news trading, and trade with high frequency, provided they avoid restricted practices like latency arbitrage.
1-Step “Flash” Challenge: This model is for traders who want to skip the second phase and prove their skills in one go. The profit target is set at 10%, with a 4% daily drawdown and a 7% maximum trailing drawdown. Leverage is limited to 10:1 by default but can be raised to 20:1 with an add-on purchase. There's no time limit, and only three profitable trading days are required to pass. It is a solid option for experienced traders confident in hitting their target quickly and within tight risk controls.
2-Step “Pro” Challenge: A more traditional evaluation, this challenge requires 8% profit in Phase 1 and 5% in Phase 2. The drawdown limits are looser than the Flash Challenge, with a 5% daily and 10% static maximum drawdown. Leverage goes up to 50:1, and, again, traders are not rushed — they can take as long as they want to complete both phases. Like the 1-step option, EAs, swing trading, news exposure, and weekend trading are all allowed.
Both programs are refundable upon the first successful payout from the funded account.
Top One Trader offers both one-step and two-step evaluation challenges:
One-Step "FLASH" Challenge
- Profit Target: 10%
- Max Daily Loss: 4%
- Max Trailing Drawdown: 7%
- Leverage: Up to 10:1
- Profit Split: Up to 90%
- Account Sizes: Ranging from $10,000 to $200,000
Two-Step "PRO" Challenge
- Phase 1 Profit Target: 8%
- Phase 2 Profit Target: 5%
- Max Daily Loss: 5%
- Max Total Drawdown: 10%
- Leverage: Up to 50:1
- Profit Split: Up to 90%
- Account Sizes: Ranging from $10,000 to $200,000
These evaluation challenges are designed to assess a trader's ability to manage risk and achieve consistent profitability. Successful traders can access funded accounts and participate in the firm's profit-sharing model.
Top One Trader Challenges
| Challenge | Price | Account Size | Steps | Profit target | Profit Split | Max Daily Loss |
|---|
| $5,000 | 2 Step Challenge | $69 | $5K | 2 | 8% / 5% | 90% | 5% |
| $10,000 | 2 Step Challenge | $159 | $10K | 2 | 8% / 5% | 90% | 5% |
| $25,000 | 2 Step Challenge | $235 | $25K | 2 | 8% / 5% | 90% | 5% |
| $50,000 | 2 Step Challenge | $325 | $50K | 2 | 8% / 5% | 90% | 5% |
| $100,000 | 2 Step Challenge | $699 | $100K | 2 | 8% / 5% | 90% | 5% |
| $5,000 | 1 Step Challenge | $48 | $5K | 1 | 10% | 90% | 4% |
| $10,000 | 1 Step Challenge | $99 | $10K | 1 | 10% | 90% | 4% |
| $25,000 | 1 Step Challenge | $199 | $25K | 1 | 10% | 90% | 4% |
| $50,000 | 1 Step Challenge | $265 | $50K | 1 | 10% | 90% | 4% |
| $200,000 | 1 Step Challenge | $529 | $200K | 1 | 10% | 90% | 4% |
| $100,000 | 1 Step Challenge | $529 | $100K | 1 | 10% | 90% | 4% |
| $5,000 | INSTANT FUNDING | $115 | $5K | 0 | | 90% | 0% |
| $10,000 | INSTANT FUNDING | $208 | $10K | 0 | | 90% | 0% |
| $25,000 | INSTANT FUNDING | $392 | $25K | 0 | | 90% | 0% |
| $50,000 | INSTANT FUNDING | $543 | $50K | 0 | | 90% | 0% |
| $100,000 | INSTANT FUNDING | $1056 | $100K | 0 | | 90% | 0% |
Pros and Cons
Pros:
- Profit splits up to 90%
- Multiple asset classes available for trading
- Access to multiple trading platforms: TradeLocker, cTrader, and Match Trader
- Balance scaling up to $5,000,000
- Refundable evaluation fee (challenge fee refunded on first payout)
- Support for various trading strategies, including the use of Expert Advisors (EAs)
- 24/7 customer support with average response times of 30 seconds
- Lightning-fast payouts with an average processing time of 1 hour and 16 minutes
Cons:
- News trading restrictions apply during the funded phase (no execution 5 minutes before or after high-impact news events)
- Copy trading is allowed between a trader's own accounts but not for copying other people's trades
Evaluation Metrics
Overall metrics
- Challenge difficulty: Moderate – achievable profit targets with defined drawdown limits
- Customer support: Available 24/7 via email and live chat, with average response times of 30 seconds
- Fee: Competitive challenge fees, varying by account size and evaluation challenge
- Payout scheme: Profit splits up to 90%, with lightning-fast payouts averaging 1 hour and 16 minutes, via wire transfer or cryptocurrencies
Meet the CEO
Top One Trader was founded by Matt Morris and Clay Hodges, who aimed to create a firm that serves traders at the highest levels.
Frequently Asked Questions (FAQs):
What asset types can I trade with Top One Trader?
Forex, Cryptocurrencies, Indices, and Commodities.
Are Expert Advisors (EAs) allowed?
Yes, EAs are permitted for both evaluation and funded accounts.
Is news trading allowed?
Yes, but during the funded phase, trading is restricted within 5 minutes before or after high-impact news events.
Is copy trading permitted?
Copy trading is allowed between a trader’s own accounts but not for copying trades from others.
Is the evaluation fee refundable?
Yes, the challenge fee is refunded with your first successful payout.
What platforms can I trade on?
Top One Trader supports TradeLocker, cTrader, and Match Trader.
What is the maximum account size?
Up to $200,000 per account, with balance scaling available up to $5,000,000.
What is the average payout processing time?
Payouts are processed in an average of 1 hour and 16 minutes.
What support options are available?
24/7 customer support via live chat and email, with average response times of 30 seconds.
How trusted is Top One Trader?
The trusted source of information on fintech matters SBO, gave Top One Trader a 3/ 5.00 rating based on analysing 20+ criteria and testing. Top One Trader is currently in 24th place in this ranking. FunderPro is currently rank as the number one.
