TopOneTrader

TopOneTrader’s fee structure is designed for clarity, featuring one-time challenge fees, no recurring subscriptions, and a refundable model upon successful funding. Below is a detailed breakdown of costs, commissions, and trading conditions.

Challenge Fees & Pricing Structure

• One-Step Challenge:
  • $5,000: $29
  • $10,000: $49
  • $25,000: $99
  • $50,000: $149
  • $100,000: $266
  • $200,000: $499
• Two-Step Challenge:
  • $5,000: $39
  • $10,000: $59
  • $25,000: $119
  • $50,000: $199
  • $100,000: $349
• Instant Funding:
  • $5,000: $62
  • $10,000: $99
  • $25,000: $199
  • $50,000: $349
  • $100,000: $528
  • $200,000: $1,175
• Discounts: Codes like “PRIME” provide up to 50% off (e.g., $125 to $62.50 for a $5,000 Instant Funding account).
• Refund Policy: Challenge fees are 100% refunded after the first payout cycle, enhancing cost-effectiveness.
• Add-Ons: Optional features like No Stop Loss (+15%), Instant Payouts (+20%), Weekend Holding (+15%), or Flash Bundle (+35%) increase flexibility but add to upfront costs.

Commissions & Spreads

• Commissions: No direct commissions; costs are embedded in spreads and swaps.
• Spreads: Competitive on Forex (e.g., EURUSD tight during peak hours), wider on cryptocurrencies due to volatility. Traders can verify live spreads using demo credentials:
  • MatchTrader: Login: spreadtest@topone.com, Password: ehdcjt7crfpe.
  • TradeLocker: Login: spreadtest@topone.com, Password: F5sa,AVFw7m], Server: TOPONE.
  • cTrader: Public link access.
  • Platform 5: Login: 811456, Password: OcVP^HV#8)5, Server: PreferredCapital-Server.
• Swaps: Dynamic, based on broker rates; traders should check rates per symbol for overnight positions to avoid unexpected costs.

Payout Conditions

• Profit Split: Starts at 75% (One-Step), 80% (Two-Step), or 60% (Instant Funding), upgradable to 90% at checkout.
• Processing Fee: 2% on all withdrawals, applied consistently.
• Payout Frequency: 30 days post-funding; bi-weekly available with Instant Payout add-on.

Comparative Assessment

TopOneTrader’s fee model is competitive, with refundable challenge fees and no commissions aligning with industry leaders. The 2% payout fee and wider crypto spreads are drawbacks compared to firms offering zero-fee withdrawals or tighter crypto spreads. Transparent spread access and discount codes add value, particularly for cost-conscious traders.

TopOneTrader provides a streamlined but limited set of payment options, prioritizing security and efficiency.

Deposit Methods

• Credit/Debit Cards: Visa, Mastercard (processed instantly or within hours).
• Cryptocurrencies: Via Confirmo (Bitcoin, Ethereum, USDT, USDC, etc.), no deposit fees.

Withdrawal Methods

• Processor: RiseWorks (riseworks.io) handles bank transfers and crypto payouts.
• Process: Request via dashboard “Metrics” tab; 24-hour processing if RiseWorks registration is complete.
• Verification: A video interview may be required to verify identity and compliance, potentially delaying first withdrawals.
• Payout Limits: $25,000 net profit/withdrawal cap per 30-day period across all accounts.
• Fees: 2% per withdrawal, regardless of method or amount.

Assessment

The payment system is reliable, with fast processing and crypto support, but the single withdrawal processor and $25,000 cap may limit flexibility for high-volume traders. The potential video verification step adds security but could delay payouts.

TopOneTrader supports four platforms, with availability varying by account type and region.

• TradeLocker: Intuitive, TradingView integration, most popular.
• MatchTrader: Modern, simplified, TradingView support.
• cTrader: Advanced, algorithmic, non-U.S. only.
• Platform 5: Stable, futures-focused, restricted in U.S./Canada.
• Restrictions: U.S. traders limited to TradeLocker/MatchTrader; Platform 5 excludes U.S./Canada.

Assessment

The platform selection is robust, with TradeLocker’s broad compatibility standing out. Regional restrictions and limited cTrader/Platform 5 access may limit options for some traders.

TopOneTrader’s three funding models cater to different trader profiles, with customizable add-ons.

One-Step Challenge (FLASH/LIGHTNING)

• Profit Target: 10%.
• Drawdown: 4% daily, 7% trailing.
• Leverage: 10:1.
• Profit Split: 75%–90%.
• Time Limit: None.
• Fees: $29–$499.
• Best For: Experienced traders seeking quick funding.

Two-Step Challenge (PRO)

• Profit Targets: Phase 1: 8%, Phase 2: 5%.
• Drawdown: 5% daily, 10% static.
• Leverage: 50:1 (challenge), 30:1 (funded).
• Profit Split: 80%–90%.
• Time Limit: None.
• Fees: $39–$349.
• Best For: Methodical traders preferring higher leverage.

Instant Funding

• Profit Target: None.
• Drawdown: 6% trailing, no daily limit.
• Leverage: 10:1.
• Profit Split: 60%–90% (increases per payout).
• Fees: $62–$1,175.
• Add-Ons: No Stop Loss (+15%), Instant Payouts (+20%), Weekend Holding (+15%), Flash Bundle (+35%).
• Best For: Proven traders bypassing evaluations.

Assessment

The programs offer flexibility, with no time limits and refundable fees. Instant Funding’s tight drawdowns and higher costs require disciplined trading, while Two-Step provides balanced leverage and structure.

1. 1. Select Program: Choose One-Step, Two-Step, or Instant Funding.
   2. Enter Details: Provide email, billing info, and opt into newsletter.
   3. Apply Discount: Use codes like “PRIME” for savings.
   4. Choose Add-Ons: Customize with No Stop Loss, Instant Payouts, etc.
   5. Pay Securely: Via Visa, Mastercard, or crypto.
   6. Access Platform: Receive credentials and dashboard access.
   7. Trade & Fund: Meet targets (if applicable) to become funded.

   Assessment

   The onboarding process is intuitive, with discounts and add-ons enhancing value. Video verification may delay first payouts, but fast credential delivery ensures quick start.

• Channels: Email (support@toponetrader.com), live chat (<5 min response), FAQ (help.toponetrader.com).
• Community: Active on Discord, Instagram, YouTube, Facebook, Twitter.
• Limitations: No phone support; response times may slow during high-volume periods.
• Assessment: Responsive and well-documented, though voice support would enhance accessibility.

TopOneTrader is a reputable prop firm with transparent operations, flexible funding models, and robust platforms. Its 90% profit splits, refundable fees, and add-ons like Instant Payouts cater to serious traders. Conservative leverage (10:1–50:1), strict rules (no EAs, 5-min trades), and a $25,000 payout cap may deter scalpers or high-volume traders. With a 4.5/5 TrustScore and experienced leadership, it’s a solid choice for disciplined traders focused on long-term growth.

• Who Can Join? Global traders, except OFAC-sanctioned countries (e.g., Iran, Russia).
• Key Rules? 4%–5% daily loss, 6%–10% drawdown, 5-min trade minimum, no copy trading/automation.
• Is Copy Trading Allowed? No, strictly prohibited.
• Are Bots Allowed? No, manual trading only.
• Who Owns TopOneTrader? Matt Morris (CEO), Clay Hodges (CTO), Todd Hodges (COO), Brycen Coffman (CMO).
• Is It Legit? Yes, verified by Trustpilot and transparent operations.
• Is It a Scam? No, consistent payouts and clear rules.
• When Founded? June 2023.
• Where Based? Sheridan, Wyoming, USA.
• Is It Good? Yes, for disciplined traders; less suited for scalpers.
• Is It Reliable/Safe? Yes, with secure payments and strict compliance.
• How to Pass Evaluations?
  • One-Step: 10% profit, 4% daily/7% trailing drawdown, 5-min trades.
  • Two-Step: 8% (Phase 1), 5% (Phase 2), 5% daily/10% static drawdown.
  • Instant Funding: No targets, 6% trailing drawdown, strict compliance.