Challenges from
$16
$5,000 account
Split
90%
Top One Trader is the CFD side of the Top One brand (founded 2023, US) on MT5 and TradeLocker, with a 100% split ceiling and very cheap entry from $16 (60% off plus a free account on the 5K 1- and 2-Step accounts). Its 1-Step Flash trails 7% (locking at the start after +7%); the 2-Step Pro uses an 8% static max loss — so pick the 2-Step Pro for a fixed line. Trust 88, 4.4★. Compare the plans below and confirm the live rules before buying.
Good to know before you buy
- Drawdown — The 1-Step Flash trails 7% (locks at the start after +7%); the 2-Step Pro uses an 8% static max loss. Pick the 2-Step Pro for static.
- Consistency rule — Instant Funding uses a 15% best-day score; Instant Prime and 1-Step Nova require an Equity Stability Score of 20% or lower at payout.
- News trading only under conditions
- EAs / bots only under conditions
- Trailing drawdown (Trailing)
- Minimum 3 trading days
- HFT is not allowed
Founded
2023
Steps
1/2-step, Instant
Profit target
8% / 5%
Profit split
up to 90%
Daily DD
4%
Max DD
7%
Trailing
Pros
- Clear breakdown of pricing, drawdown and payout rules
- Multiple account sizes available
- Links to the firm’s official site
Cons
- Always confirm current rules on the firm’s official site
- The 1-Step Flash trails 7% (locks at the start after +7%) — pick the 2-Step Pro for static
- Younger firm (founded 2023)
- The 60%-off + free-account offer is tied to the 5K accounts
Challenge programs & pricing
One-Step Challenge
1 Step- Target P1
- 10%
- Daily DD
- 4%
- Max DD
- 7%
- Drawdown
- Trailing
- Profit split
- up to 90%
- Payout
- Bi-weekly (weekly with add-on)
- News trading
- yes
| Account | Price | With discount |
|---|---|---|
| $5,000 | $64 | $25-61% |
| $10,000 | $107 | $53-50% |
| $25,000 | $215 | $107-50% |
| $50,000 | $286 | $143-50% |
| $100,000 | $575 | $345-40% |
| $200,000 | $1,079 | $647-40% |
1-Step FLASH. 7% max trailing drawdown (locks at start after +7%). Discount code SUMMER (up to 60%).
Two-Step PRO
2 Steps- Target P1
- 8%
- Target P2
- 5%
- Daily DD
- 4%
- Max DD
- 9%
- Drawdown
- unknown
- Profit split
- up to 100%
- Payout
- Bi-weekly (weekly available)
- News trading
- yes
| Account | Price | With discount |
|---|---|---|
| $5,000 | $39 | $16-59% |
| $10,000 | $162 | $65-60% |
| $25,000 | $209 | $105-50% |
| $50,000 | $435 | $218-50% |
| $100,000 | $541 | $325-40% |
| $150,000 | $863 | $518-40% |
Two-Step PRO. No consistency rule, leverage up to 1:100, up to 100% split. PLUS variant priced higher. Code SUMMER.
Instant Funding
Instant- Daily DD
- 4%
- Drawdown
- unknown
- Profit split
- up to 90%
- Payout
- Bi-weekly (weekly available)
- News trading
- yes
| Account | Price | With discount |
|---|---|---|
| $5,000 | $135 | $54-60% |
| $10,000 | $226 | $113-50% |
| $25,000 | $423 | $212-50% |
| $50,000 | $586 | $293-50% |
| $100,000 | $1,142 | $685-40% |
| $200,000 | $2,537 | $1,522-40% |
No challenge - instant funded. Instant Prime variant also offered. Code SUMMER.
Nova Challenge
1 Step- Drawdown
- unknown
- Profit split
- up to 90%
- Payout
- On demand
- News trading
- yes
| Account | Price |
|---|---|
| $25,000 | $165 |
| $50,000 | $275 |
| $100,000 | $550 |
| $200,000 | $880 |
Pay-after-passing model: $7 to start, activation fee (shown as price) due only after passing. Unlimited free resets.
Key firm rules
- News trading
- Allowed during evaluation; on funded/Instant accounts you can't trade in a 10-minute window around high-impact news (Instant Prime offers a news add-on).
- Expert Advisors (EAs)
- Allowed only on the challenge phase, not on funded accounts, and must be configured to your own style.
- Copy trading
- Allowed only between your own evaluation accounts; not on funded or instant accounts.
- Minimum hold time
- Profitable trades must be held at least 5 minutes.
- Stop-loss
- A stop-loss is required on every trade unless you buy the add-on.
- Weekend holding
- Allowed on assessment accounts; crypto only if opened after Fri 8 PM EST.
- VPN / VPS
- VPN is prohibited; a VPS with a static IP is allowed.
- Inactivity
- Place a trade at least once every 30 days.
Payout & scaling
- Profit split
- 80–85% on the core challenges (up to 100% with add-ons); Instant Prime scales to 100%.
- Payout frequency
- Bi-weekly on most plans (weekly with add-on); Instant Funding is monthly.
- Minimum payout
- 2% of the account balance (3% on 2-Step Pro).
- Withdrawal cap
- Net retained profit is capped at $25,000 across all accounts.
- Scaling
- Account capital grows 25% every 3 months for consistent traders.
Company & payments
- CEO
- Matt Morris
- Headquarters
- United States
- Founded
- September 2023
- Trustpilot
- 4.5 / 5
- Broker / liquidity
- Top One Trader Ltd
- Tradable assets
- Metals, Indices, Energy, Crypto, Commodities
- Payment methods
- Card, Crypto, Apple Pay, Google Pay
- Payout methods
- Riseworks
Restricted countries (27)
Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Belarus, Crimea, Cuba, Haiti, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morocco, Myanmar (Burma), North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam.
Top One Trader FAQ
How much does a Top One Trader challenge cost?
The cheapest Top One Trader evaluation we track is $16 for a $5,000 account. Larger account sizes cost more — the full price table on this page lists every size we verified (last checked 2026-06-26).
What profit split does Top One Trader pay?
Up to 90% of profits go to the trader, with payouts bi-weekly | weekly with add-on.
What are Top One Trader's drawdown rules?
Maximum drawdown is 7% and the daily loss limit is 4%. The drawdown type is trailing — check how it behaves before you trade, since drawdown type is where most accounts are lost.
Does Top One Trader use a trailing or static drawdown?
The 1-Step Flash trails 7% (locks at the start after +7%); the 2-Step Pro uses an 8% static max loss. Pick the 2-Step Pro for static.
Does Top One Trader have a consistency rule?
Yes. Instant Funding uses a 15% best-day score; Instant Prime and 1-Step Nova require an Equity Stability Score of 20% or lower at payout.
Does Top One Trader allow news trading?
Only under conditions — Top One Trader restricts trading around news events. Check the exact restriction on their site before trading news (last checked 2026-06-26).
Can I use EAs or trading bots at Top One Trader?
Only under conditions — automated trading is restricted at Top One Trader. Confirm your setup is allowed before running it (last checked 2026-06-26).
Does Top One Trader have minimum trading days?
Yes — 3 trading days minimum before you can pass or withdraw, depending on the program. The program cards above list per-program values where they differ.
Is Top One Trader legit?
Top One Trader has operated since 2023, is based in United States, and scores 4.5/5 on Trustpilot. We track its pricing and rules against official sources (status: partially verified (last checked 2026-06-26)). As with any prop firm: only pay a fee you can afford to lose, and verify the current rules on the firm's own site.
Is there a Top One Trader discount code?
Yes — we keep the current Top One Trader offer and any working code on our Top One Trader discount page, updated with verified pricing. View the Top One Trader offer →
From
$16