AffiliateScaling planTrading Coaching CourseEAs and Weekend Trading
Investing and trading in financial markets such as the stock exchange, forex, digital currencies in the form of spot or with leverage face a high inherent risk. According to the statistics of all exchanges and brokers, more than 75% of people lose!
Top One Trader is a US-based proprietary trading firm providing funded accounts, ranging from $10,000 to $200,000. Metals and Indices trading are available with leverage options of up to 1:10, a first profit target of 8%, a daily drawdown of 5%, and a maximum loss of 10%. The firm offers a comprehensive Trading Coaching Course and monthly payouts.
Top One Trader offers trading capital of up to $5,000,000 through its 1-step, 2-step, and Instant Funding challenges, as well as the Match-Trader / TradeLocker trading platforms. Forex and Crypto trading on this prop firm comes with a profit split of up to 90%. Gold trading on cTrader platform is commission-free.
Top One Trader; Company Information
Top One Trader is a proprietary trading firm with over 26,000 clients across 100+ countries
Top One Trader is a US-based prop firm providing traders with funded accounts ranging from $10,000 to $200,000. The company is not regulated by any reputable financial authority.
The Top One Trader website domain is registered on 2023-06-14 and expires on 2033-06-14, according to Who.is. Matt Morris is the Founder and CEO of Top One Trader, LLC. Key features of Top One prop firm:
Initial funding of up to $200,000, scalable to $5 million
Profit splits of up to 90% for successful traders
An impressively fast average payout time of just 1 hour and 44 minutes
24/7 support
Popular trading platforms like TradeLocker, Match Trader, and cTrader
Over $1M in total payouts
More than $50M in trading funds for talented traders
Top One Trader Key Specifics
Matt Morris (CEO), Clay Hodges (CTO), Todd Hodges (COO), and Brycen Coffman (CMO) are the managing team of Top One, one of the top 30 largestprop firms.
Account currency
USD
Minimum price
$59
Maximum leverage
1:30
Maximum profit split
Up to 90%
Instruments
Forex, Indices, Metals, Cryptocurrencies
Assets
40+
Evaluation steps
1-Step, 2-Step, Instant Funding
Withdrawal methods
Crypto, Bank Transfer (Rise)
Maximum fund size
$5,000,000
First profit target
8%
Max. daily loss
5%
Challenge time limit
Unlimited
News trading
Allowed
Maximum total drawdown
10% (Static Drawdown)
Trading platforms
Match Trader, TradeLocker, cTrader, MT5
Commission
Variable based on the trading platform
TrustPilot score
4.6
Payout frequency
Monthly
Established country
United States
Why Top One Trader? (Upsides & Downsides)
Top One Trader offers various features like No Stop Loss and Bi-Weekly payout add-ons to cater to different clients’ needs
100% refundable challenge fees and EquityShield protection are some of the benefits of trading with OneTop. However, to have a balanced look, we must mention the weaknesses, too.
Pros
Cons
High initial funding (up to $200k)
High Fees for Instant Funding
Generous profit split (up to 90%)
Limited tradable assets
Extremely fast payouts (2-hour average time)
Limited educational resources
24/7 customer support
Low leverage options on the 1-Step challenge (1:10)
Top One Trader Funding Plans and Pricing
TOT prop firm offers three main funding plans, including 1-Step, 2-Step, and Instant Funding, with competitive prices:
Account Balance
1-Step
2-Step
Instant Funding
$5,000
$59
$79
$125
$10,000
$99
$125
$209
$25,000
$199
$235
$392
$50,000
$265
$325
$543
$100,000
$532
$699
$1,057
$200,000
$999
-
$2,349
At the time of editing the Top One Trader review in July 2025, the firm offers a 50% discount on all funding plans.
Top One Trader Scaling Plan
Top One Trader offers a structured and transparent scaling plan designed to help funded traders grow their capital up to $5 million. All funded accounts are eligible for scaling, starting with any size up to $200,000.
The program is reviewed every 3 months. To qualify for a scale-up, traders must generate a total of 25% profit over the 3-month period, with at least 8% achieved in each of the three months. Upon reaching these targets, the trader’s capital increases by 25% of their original funded amount.
Importantly, traders are allowed to withdraw their profits, keeping capital flexible, without losing eligibility for scaling: this rewards long-term, consistent performers without penalizing those who take payouts.
Account Opening and Verification
Top One Trader offers a streamlined onboarding experience for aspiring traders. The registration process is tightly integrated with the firm's funded challenge models, and completing KYC verification is essential before receiving a live account.
#1 Select Your Funded Challenge
Go to the Top One Trader website, and click “Start Now”. Choose the funded account that matches your trading strategy and capital preference.
#2 Enter Billing Details & Platform Choice
Fill in the billing form with the following information:
Email
Full name
Residential address
Phone number
#3 Complete KYC Verification
After passing the evaluation phases, you must access your client dashboard to upload the following documents:
Proof of Identity: Passport or Driving license
Proof of Address: Bank statement or Utility bill
A selfie for identity confirmation
Evaluation Steps (Rules and Conditions)
The evaluation process at Top One Trader prop firm is designed to identify skilled traders who can consistently generate profits while managing risk effectively. TopOne challenge rules:
Conditions
1-Step
2-Step
Instant Funding
Max Profit Split
90%
90%
90%
Profit Target
10%
8% / 5%
None
Daily Loss Limit
4%
5%
None
Max Drawdown
7% (Trailing)
10% (Static)
6% (Trailing)
Max Leverage
1:10
1:30
1:10
Time Limit
Unlimited
Unlimited
Unlimited
Consistency Rule
N/A
50%
20%
Note: The "Consistency Rule" means that your trading profit in a single day must not exceed a specified percentage of your total profits.
A look into trading conditions at the Top One Trader 1-step challenge
Top One Trader Profit Split
Top One Trader offers flexible profit split options across all three challenge types, with the potential to earn up to 90% of trading profits.
1-Step: Begins with a 75% split, which can be increased to 90% by purchasing a profit-split add-on;
2-Step: Starts at 80%, also scalable to 90%;
Instant Funding: Begins at 60% and follows a similar upgrade model.
Top One Trader Prop Firm Promotions
The firm regularly offers promotions to attract new traders and reward existing ones. Some of TopOne’s current and past promotions include:
Affiliate program: Commissions and cash bonuses for each trader you refer
Seasonal discounts: Reduced pricing on challenge accounts during specific periods (Current discount code: “PRIME”)
Account Bonus: Seasonal gifts as extra funds on challenge and real accounts
Refunds: 100% refundable evaluation fees upon completing the challenge
Top One Trader Rules
Top One Trader enforces strict guidelines on VPN usage, hedging, Expert Advisors, and trading strategies to ensure fair and secure trading. News trading is permitted with caution, requiring proper strategy and risk management due to market volatility.
VPNs are prohibited; use a stable, static IP (e.g., through VPS) and notify any changes;
Hedging across multiple accounts is banned; internal hedging within a single account is allowed;
EAs can be used during challenges but must be customized and not hidden or commercially available;
Martingale and arbitrage strategies are prohibited due to high-risk and market manipulation concerns;
Trading during news events is allowed with caution and proper risk management due to potential market volatility.
VPN Usage
At Top One Trader, the use of Virtual Private Networks (VPNs) is prohibited due to the potential for triggering false location alerts. VPNs allow traders to mask their actual location, which can interfere with the platform's location-based security systems.
To avoid any issues, it is advised to use a stable IP, preferably through a Virtual Private Server (VPS) with a static IP. If changes to your IP address are necessary, such as when traveling or switching VPS, notify the prop firm beforehand to prevent any account discrepancies.
Hedging
Hedging across multiple accounts, whether within Top One Trader or on external platforms, is strictly banned. Such practices do not align with sound trading strategies and can be flagged by our risk management software, which detects hedging behaviors across different accounts.
Important Note: Hedging within a single account is allowed.
A list of banned trading strategies on Top One Trader prop fiirm
Expert Advisor (EA) Usage
During the challenge phase, you are allowed to use Expert Advisors (EAs) to assist with your trading strategies. This applies to 1-step-FLASH and 2-step-Pro accounts.
However, it is important that each trader customizes the settings of their EA to suit their personal trading style, ensuring that trades are distinct from others using similar systems.
The use of hidden EAs or tools that conceal automated trading is strictly prohibited. Furthermore, commercially available EAs that perform automated trading are not permitted under any circumstances.
Martingale & Arbitrage
Top One Trader does not tolerate the use of market manipulation techniques such as Latency Trading or Arbitrage Trading, where traders exploit delays in market data to generate profits.
These tactics are against the platform's rules. Additionally, the Martingale strategy, which involves increasing trade sizes after losses in an attempt to recover them with a future win, is considered highly risky and is not allowed.
News Trading
Trading during significant news events is permitted, but it requires careful preparation. The market often experiences high volatility around such events, which can present both opportunities and risks.
Traders should plan their trades with caution, ensuring that they have adequate risk management strategies in place to navigate the potential fluctuations in price.
Important Note: After successfully completing the challenge, funded traders are prohibited from opening or closing any trades within 5 minutes before and after a high-impact news event.
What Trading Platforms Does Top One Trader Offer?
Top One Trader offers access to four trading platforms, including MetaTrader 5 and cTrader.
TradeLocker: Known for a fast and intuitive interface, integrated with TradingView for charting and analysis
Match Trader: Supports full asset access and seamless trading conditions
cTrader: Ideal for advanced traders (restricted for U.S. users)
Platform 5: Lesser known, but fully functional with all asset classes
Each platform supports all major asset types and carries a unique commission/spread profile, giving traders flexibility to select the solution that best fits their style.
The trading asset is a topic that must be discussed in all of the Top One Trader reviews. The firm offers a limited range of financial instruments for clients compared to other competitors.
AUS200, CHNIND, HKIND, ITA40, SUI20, US2000, and US500 Indices will soon be available on the Top One Trader TradeLocker platform
Indices: 15 Global stock market indices like AUS200, CHNIND, EU50, FRA40, GER30, HKIND, ITA40, JAP225, SPA35, UK100, and US100
Metals: Two of the most popular precious metals, including XAUUSD (Gold) and XAGUSD (Silver)
Cryptocurrencies: Trade the giants of the crypto market, Bitcoin (BTC) and Ethereum (ETH)
Payments and Payouts on Top One Trader Prop Firm
One of Top One’s standout features is its lightning-fast payout system. The firm boasts an average payout processing time of 1hr 44min.
Payment
Credit Cards (VISA, MasterCard, American Express, Discover)
Crypto (Coinbase Commerce)
Payout
Rise (Crypto, Bank Transfers)
The payout frequency is monthly. However, you can reduce it to bi-weekly by activating an add-on during the challenge purchase. Key facts:
Payouts are processed within 1 to 3 days;
A 2% processing fee applies to all withdrawals;
Minimum payout amount: 2% of the account’s initial balance;
Consistency and minimum trading day requirements must be met.
After requesting withdrawal via the dashboard, traders receive a RiseWorks invite to complete KYC and verify their payout details.
Top One Trader Fees and Commissions
Top One has a transparent and straightforward fee structure that contains commissions, spreads, and swaps. Note that the fees vary based on the instrument and trading platform.
Trading Platform
Commission (per lot per side)
Match Trader
$2.00
TradeLocker
$2.50
cTrader
$2.00 for Forex & Crypto
$0.00 for Metals & Indices
Spreads and swap rates vary based on the instrument, trading platform, and market conditions. Average spread for EUR/USD on various platforms:
Trading Solution
EUR/USD AVG. Spread
Match Trader
2.00 pips
TradeLocker
1.00 pips
cTrader
0.20 pips
Does Top One Trader Provide Education for Traders?
While Top One Trader prop firm’s primary focus is on providing funded accounts, they do offer some educational resources to help traders succeed. Their main offering is the “Trading Coaching Course”, which comes with any challenge you purchase. Key features of the Trading Coaching Course:
Winning Strategies
Simple and effective signals
Exclusive stop-loss and profit-target tactics
One of the top #10 trading coaches in the world
An Elite Mindset Training program to remove any mindset blocks
Note that aside from limited YouTube posts, the firm doesn’t offer any other free educational resources. You can check TradingFinder's Forex education section for additional learning materials.
Top One Trader User Satisfaction
Trust score is one of the most important topics of all the Top One Trader reviews. Based on various online ratings and trader feedback, the firm generally receives positive user ratings.
There are 712 reviews on the Top One Trader TrustPilot profile, and only 6% of them are negative
TheTop One Trader TrustPilotprofile has numerous positive comments praising the firm for its fast payouts, comprehensive support, and simple challenge rules, resulting in a score of 4.6 out of 5.0.
Top One Trader Prop Firm Customer Support
The firm prides itself on providing comprehensive 24/7 customer support to its traders through multiple contact channels, including:
Top One Trader provides funded accounts with an initial balance of up to $200K with fixed commission of up to $2.5 and spreads from 0.2 pips. The prop firm has a trust score of 4.6 on TrustPilot, and supports Crypto / Fiat payouts through the Rise payment system.
FAQs
Is Top One Trader legit?
While the firm is not regulated by any major authority, it has a 4.6 trust score on TrustPilot and provides a thorough introduction to the founding and managing team.
How long does the evaluation process take?
There's no time limit, but you must adhere to the “3 Profitable Days Rule”.
Can I trade on weekends?
Weekend and overnight trading is allowed.
What funding plans are offered?
Traders can choose from 1-Step, 2-Step, and Instant Funding plans with balances from $5K to $200K, scalable to $5M.
How much is the maximum profit split?
Top One Trader offers up to 90% profit split depending on challenge type and optional add-ons.
What is the minimum challenge price?
The minimum price is $59 for a $5,000 account under the 1-Step model.
Is news trading allowed at Top One Trader?
Yes, but with caution. Trades are restricted within 5 minutes before and after high-impact news events for funded accounts.
What is the maximum drawdown limit?
The maximum total drawdown is 10% (static), while daily drawdown varies by plan.
How fast are payouts processed?
Payouts average 1 hour and 44 minutes, with a 1–3 day window via Rise platform.
Which platforms are supported?
Top One Trader supports TradeLocker, Match Trader, cTrader, and MT5.
What assets can I trade with Top One Trader?
You can trade 40+ assets including Forex, Indices, Metals (XAUUSD, XAGUSD), and Cryptocurrencies (BTC, ETH).
Are fees refundable after passing the challenge?
Yes, all challenge fees are 100% refundable upon successful completion.
What leverage is offered by Top One Trader?
Leverage is up to 1:30, depending on the account type and evaluation model.
Is hedging allowed?
Internal hedging within a single account is allowed, but multi-account hedging is banned.
What’s the minimum withdrawal amount?
The minimum withdrawal is 2% of the account’s starting balance.
