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TopTier Trader Review 2025

TopTier Trader Review 2025
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Your Capital is at risk.
Company:

TopTier Trader

Founded:2021
Headquarter:United States
Min Price:$49
Max Fund:$2,000,000
Challenges:3
95% Profit Split2-step EvaluationCustomizable Challenges1-step Evaluation

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!

Your Capital is at risk.

About
TopTier Trader is a US-based prop firm offering up to $2M in funding, a 95% profit split, and customizable challenges. Its 1-step and 2-step accounts have various capital sizes, such as $5k, $10k, $25k, $50k, $100k, and $200k, and $300k, and have a maximum leverage of 1:100.
Contact
107 Mendoza Ave, Suite 304, 33134, Coral Gables, United States
Rank and Score
Pros and Cons
Withdrawal Payments
Instruments
Pros
Diverse Funded Account Options
High Profit Splits
24/7 Support via Chat
Flexible Evaluation With No Time Limits
Scaling Plan For Account Growth
Cons
Limited Range of Trading Instruments
score of blog
4.7 From 5.0
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TopTier Trader offers trading challenges with an 8% profit target, a 5% maximum daily drawdown limit, and a 10% maximum drawdown limit to fund skilled traders with up to $2 million in trading capital.

These accounts have up to 95% profit split and Bi-weekly payouts.

TopTier Trader Prop Firm Company Overview

TopTier Trader ReviewA comprehensive review of the TopTier Trader prop firm

TopTier Trader is a US-based proprietary trading firm that burst onto the scene in 2021. The prop firm is headquartered in Miami, Florida and the leadership team consists of these people:

  • Cue Banks: Co-Founder
  • Anthony Williams: Co-Founder
  • Nicolas Castillo: COO & Co-Founder

Summary of Key Features

Prop firms include some common parameters and specifics. In this section, we will take a look at these features in TopTier Trader:

Account Currency

USD

Minimum Price

$49

Maximum Leverage

1:100

Maximum Profit Split

95%

Instruments

Forex, Metals

Assets

80+

Evaluation Steps

1-Step, 2-Step

Withdrawal Methods

Rise (Crypto, Credit/Debit Cards)

Maximum Fund Size

$2M

First Profit Target

8%

Max. Daily Loss

5%

Challenge Time Limit

Unlimited

News Trading

Allowed (Paid-Only)

Maximum Total Drawdown

10%

Trading Platforms

TradeLocker

Commission Per Round Lot

Varies

Trustpilot Score

4.2/5

Payout Frequency

Bi-Weekly

Established Country

United States

Established Year

2021

Pros & Cons

Let's break down the advantages and disadvantages of trading with TopTier Trader as a prop firm:

Cons

Pros

Limited Range of Trading Instruments

Diverse Funded Account Options

-

High-Profit Splits

-

24/7 Support via Chat

-

Flexible Evaluation With No Time Limits

-

Scaling Plan For Account Growth

Funding & Prices on the Accounts

TopTier Trader offers various account sizes to suit different trading styles and experience levels. Here's a breakdown of their funding options:

  • Account sizes range from $5,000 to $300,000 (scalable up to $2,000,000)
  • Variable one-time evaluation fees from $49, based on the selected add-ons
  • No ongoing fees or subscriptions after becoming funded
TopTier Trader Challenge Accounts
A look into TopTier Trader One Phase challenge

The competitive pricing and potential for account growth make TopTier Trader an attractive option for traders looking to maximize their earning potential.

Account Balance

One Phase

Two Phase Flex

Two Phase Pro

$5K

$59

$49

$65

$10K

$99

$79

$129

$25K

$189

$149

$229

$50K

$289

$249

$335

$100K

$479

$399

$549

$200K

$949

$749

$1,099

$300K

-

$1,199

$1,649

All evaluation fees are one-time and fully refundable upon passing the challenge and receiving the first funded payout. TopTier’s pricing is competitive across the industry, with affordable entry points and flexible scaling.

TopTier Trader Scaling Plan

TopTier Trader allows funded traders to start with account sizes between $5,000 and $300,000. Through its scaling plan, these accounts can grow in 25% increments every three months, provided consistent profitability is demonstrated.

Cumulatively, traders may manage up to $600,000 across multiple accounts, which can then be scaled to a maximum capital allocation of $2,000,000, making TopTier one of the highest-ceiling prop firms in the industry.

How to Open an Account and Verify on TopTier Trader?

Opening an account with this firm is fast and compliant, enabling secure access to trading platforms after completing identity checks required by financial regulations.

#1 Go to the Broker’s Official Website

Visit the prop firm's official site and click on "Log in" to reach the sign in page, and then select "New to our Platform? Sign Up" to initiate account creation.

#2 Email Confirmation

Enter a valid email address to receive a verification link. Open your inbox and confirm the link to continue.

#3 Complete the Registration Form

Provide your personal information, including:

  • Full legal name
  • Password
  • Country of residence

Optional fields may include phone number or date of birth.

TopTier Trader registrationTopTier Trader registration form requires the name and country of residence

#4 Verify Your Identity (KYC)

Upload the necessary KYC documents, including:

  • Proof of ID: Passport or Driving license
  • Proof of Address: Utility bill or Bank statement

TopTier Trader Evaluation Phases

Most firms offer various evaluation models for clients. The TopTier Challenges consist of three programs, including One Phase, Two Phase Flex, and Two Phase Pro.

Features

One Phase

Two Phase Flex

Two Phase Pro

Minimum Trading Days

3

3/phase

None

Leverage

1:60

N/A

1:100

Profit Target

10%

10% / 5%

8% / 5%

Maximum Loss

6%

10%

10%

Maximum Daily Loss

3%

5%

5%

Profit Split

90%

80%

Up to 90%

Consistency Rule

50%

None

N/A

Daily Profit Cap

N/A

2%

N/A

You can enable add-ons such as news trading, weekend trading, utilization of EAs, etc., for challenges. However, these come with an extra cost.

TopTier Trader Profit Split

TopTier Trader offers one of the most competitive profit-sharing structures in the industry. Funded traders start with an 80% split on Two Phase Flex accounts, while One Phase and Two Phase Pro account holders begin at 90%.

With consistent performance and participation in the scaling plan, traders may increase their share in 5% increments up to a maximum of 95%.

TopTier Trader Challenge Time Limit

TopTier Trader stands out by offering unlimited time to complete both its One-Phase and Two-Phase Challenges. This gives traders complete flexibility to work at their own pace without the pressure of fixed deadlines.

The only requirements are minimum trading days: 3 per phase for all funding programs, except for the Two Phase Pro, which has no minimum trading days.

Does TopTier Trader Prop Firm Offer Any Bonuses And Promotions?

This firm, similar to many competitors, does not offer any bonuses or promotions like those found in Forex brokers. However, you can always find promo codes on the internet. Here are some:

  • Get 20% off orders with [WEBACK]
  • Get 25% off on the challenge's price with [MCJOSH]

TopTier Trader Rules

The TopTier Trader rules enforce strict guidelines to ensure fair and transparent trading.

Key rules include restrictions on VPN usage during KYC, proper hedging within a single account, limited EA usage, prohibited trading strategies like Martingale, and regulated news trading practices.

  • Avoid using a VPN during KYC, as it can delay or cause rejection of your application;
  • Hedging is allowed within one account but prohibited across multiple accounts on the same instrument;
  • EA usage is allowed only on Pro and Flex accounts, with strict restrictions on specific strategies;
  • Martingale and arbitrage strategies are prohibited, as they exploit the trading environment for unfair advantage;
  • News trading is allowed with the News Trading Add-on during the funded phase, with specific restrictions on timing.
TopTier Trader Prohibited Trading Strategies
A list of restricted trading practices on TopTier Trader

VPN Usage

TopTier Trader prohibits the use of VPN during the KYC verification process. This could result in delays or even a rejection of your application.

Hedging

Traders are permitted to hedge positions within a single account, meaning long and short positions can be held simultaneously on the same instrument.

However, hedging across multiple accounts is prohibited and flagged by the risk team.

Expert Advisors (EA)

EA usage is only allowed for traders using Pro and Flex accounts. Certain EA trading strategies are explicitly prohibited on the platform, including:

  • Signal trading via copy trading software
  • Account management using third-party identities
  • High-frequency trading
  • Manipulating data feeds
  • Tick scalping
  • Latency and reverse arbitrage
  • Use of emulators

Any violation using these strategies will result in account penalties, including deductions, breaches, or bans.

For accounts that do not have EA access, violations related to EA usage are reviewed after Phase 2 or at payout time. This ensures proper validation and review before taking any action.

Martingale and Arbitrage Strategies

TopTier Trader supports a wide variety of trading strategies, but strategies like latency arbitrage, reverse arbitrage, and martingale are prohibited. These methods exploit the simulated environment or provide an unfair advantage.

Violations lead to breaches of the platform's terms of use policy and disqualification from challenge or funded accounts.

News Trading

News trading is only allowed with the News Trading Add-on during the funded phase across all challenge models.

Trades cannot be executed or closed within 5 minutes before or after a red folder macroeconomic event or on all-day events unless the News Trading Add-on is active.

Common red folder events affecting various instruments include:

  • USD, NASDAQ, US30, US500, GOLD, SILVER: Non-Farm Payrolls, FOMC, CPI, GDP, Fed Speeches
  • GBP, UK100, UK500: Bank Rates, CPI, Speeches
  • EUR, DAX30, FRA40, GER30: Refinancing Rates, Speeches
  • AUD, NZD, JPY: RBA, GDP, CPI, Employment reports

Violating these rules will lead to penalties or forfeited profits.

Trading Platforms and Facilities

TopTier Trader has recently made a significant change in their trading platform offerings. In fact, they now provide trading on the TradeLocker platform, with features including:

  • SL&TP calculator for visualizing your strategies
  • TradingView charts included in the platform
  • One-click trading
  • Ability to trade micro-lots

This shift aims to provide more stability and certainty for traders, although it may require some adjustment for those accustomed to MT4/MT5.

Tradable Symbols and Instruments

Based on the info available on the website, TopTier Trader offers a mediocre range of tradable instruments. Tradable Symbols:

  • Forex Pairs: EUR/USD, GBP/JPY, AUD, CHF, etc.
  • Metals: Gold, Silver

TopTier Trader Payment Methods Overview

The firm uses "Rise" to process payments. Via this platform, there are 15 options available, including:

  • Credit/Debit Cards: VISA, MasterCard
  • Cryptocurrencies: BTC, USDT
  • E-wallets: Popular online payment systems

Commission & Fees Structure in Trading and Other Operations

Costs in working with a financial company are so important for estimating the profits.

Regarding withdrawals, a $40 fee is deducted from the payouts while withdrawing via Rise.

In trading, there are no spreads and fees charged by the firm, but the liquidity provider may charge traders. The amount varies and does not have a fixed value.

Educational Resources on TopTier Trader

TopTier Academy
TopTir Academy; the education section on the TopTier Trader website

The firm has recently launched TopTier Academy, a comprehensive educational platform:

  • Free program: Accessible to all aspiring Forex traders
  • Curriculum: Covers trading basics, psychology, market analysis, and strategy development
  • Practical application: Graduates receive a coupon for a challenge account
  • Future plans: College-level classes and high school outreach programs

It also offers "Academy Plus", a premium tier with extra features and benefits. Also, the website consists of an FAQ section and a Blog.

These initiatives demonstrate TopTier Trader's commitment to trader education and development.

You can also check TradingFinder's Forex education section for additional learning materials.

Trust Scores

As a relatively new firm, TopTier Trader's trust scores are still developing, but we found a rating on one of the most famous websites, Trustpilot. The TopTier Trader Trustpilot scores are as follows:

TopTier Trader on Trustpilot
TopTier Trader has earned a decent place on the Trustpilot website
  • 4.2 out of 5
  • More than 3,800 reviews
  • Over 86% of the scores are 5-star
  • 98% of negative reviews were replied to by the firm

While the firm has gained popularity, potential traders should conduct thorough research and consider the lack of a long-term track record.

Customer Support: How and When to Contact?

Support team can be crucial when facing a problem with a financial firm, and you might need to contact them to solve it. TopTier Trader Support:

  • Live Chat: Via the website or WhatsApp account
  • Text Message: +1 888-579-8783
  • Email: support@toptiertrader.com
  • Discord: On the firm's server

The lack of phone support might disappoint some users.

TopTier Trader on Social Media Platforms

Social media brings up a decent facility for companies to share insights and post updates. TopTier Trader maintains several accounts on various platforms:

TopTier Trader vs Other Prop Firms

Let's check the prop firm's features and services in comparison with other platforms:

Parameters

TopTier Trader Prop Firm

The5ers Prop FirmBreakout Prop FirmBrightFunded Prop Firm

Minimum Challenge Price

$49

$39$50€55

Maximum Fund Size

$2,000,000

$250,000$2,000,000Infinite

Evaluation steps

1-Step, 2-Step

1-Step, 2-Step, 3-Step1-Step, 2-Step2-Step

Profit Share

Up to 95%

100%90%100%

Max Daily Drawdown

5%

5%4%5%

Max Drawdown

10%

10%6%8%

First Profit Target

8%

5%5%10%

Challenge Time Limit

Unlimited

UnlimitedUnlimitedUnlimited

Maximum Leverage

1:100

1:1001:51:100

Payout Frequency

14 Days

Bi-weeklyBi-weekly14 Days

Number of Trading Assets

80+

3000+100+150+

Trading Platforms

TradeLocker

Metatrader 5Proprietary platformProprietary platform

Expert Suggestions

TopTier Trader funded account prices start from $49. However, traders can lower the challenge prices by using 20% and 25% discount codes.

While TopTier Trader aims to provide excellent conditions, its lack of variety in tradable instruments (only Forex, Gold, and Silver) prevents it from reaching its full potential.

FAQs

Is TopTier Trader regulated?

No, the prop firm itself is not regulated, which is similar to most other firms.

Can I use EAs with TopTier Trader?

Yes, but you need to pay for the related add-ons to be able to use them.

Is there a time limit for the TopTier Challenge?

No, there is no maximum time limit for completing the challenge phases.

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