Prop firms · Forex & CFD
Top One Trader Review: Rules, Fees, Best and Worst
Score69/100C - MixedTrust 67/100 · rank 36 of 62
By Tanishq Sonawane · Last verified
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Radar profile
69/100
Overall score of the X-Daily - 1-Step 50K plan ($299 for $50K), eight axes weighted equally. Higher is better for the trader.
Figures below are for the Top One Trader - X-Daily - 1-Step 50K plan unless a row says otherwise.
| Challenge fee | $299 |
|---|---|
| Account size | $50K |
| Evaluation | 1-step, 2-step, instant funding |
| Profit target | 10% |
| Profit split | 80% (other plans up to 100%) |
| Max drawdown | 5% balance trailing |
| Daily loss limit | 3% of higher of EOD balance/ |
| Payout frequency | On demand / |
| Payout terms | On demand / |
| Scaling plan | +25% capital every 3 months after a 25% total gain (8%+ each month); up to $5M |
| Account sizes offered | $5K-$500K |
| Fee range | $7-$3,495 |
| Platforms | Match Trader, MT5, TradeLocker |
| Assets | fx, indices, metals, crypto |
| Launched | September 2023 |
| Based in | United States (registered office in the Comoros) |
| CEO | Matt Morris |
Best
- Payouts in minutes to hours
- Cheap; pay-later Nova with free resets
- Responsive, helpful support
- Simple rules, smooth MT5
Worst / red flags
- 5-min minimum hold on winning trades
- Equity Stability Score must stay < 20%
- Mandatory stop-loss unless paid add-on
- 6% payout cap on some programs
Trust score
67.3/100
C - Mixed · rank 36 of 62
Trustpilot
Rating unavailable
Trustpilot: rating unavailable due to a breach of its guidelines; fake reviews removed. 3,477 reviews
Source: TrustpilotTop One Trader is a forex/CFD prop firm founded in September 2023 and based in the United States (registered office in the Comoros). We track 36 of its challenges (1-step, 2-step, instant funding), with account sizes of $5K-$500K and list fees of $7-$3,495. Platforms: Match Trader, MT5 and TradeLocker.
Verdict: Mixed trust signals: check payout and rule-enforcement feedback closely.
All 36 challengesSize, list price, targets and limits for every plan
| Challenge | Size | Score | List price | Target | Max loss | Daily loss | Split | Payouts | Min days | Consistency |
|---|---|---|---|---|---|---|---|---|---|---|
| Flash Challenge - 1-Step 5K1-step | $5K | 58 | $64 | 10% | 7% balance trailing | 4% of higher of EOD balance/ | 80% | 14 days | 3 | None listed |
| X-Daily - 1-Step 5K1-step | $5K | 63 | $65 | 10% | 5% balance trailing | 3% of higher of EOD balance/ | 80% | 1 days | – | 40% for evaluations |
| Flash Challenge - 1-Step 10K1-step | $10K | 59 | $107 | 10% | 7% balance trailing | 4% of higher of EOD balance/ | 80% | 14 days | 3 | None listed |
| X-Daily - 1-Step 10K1-step | $10K | 64 | $109 | 10% | 5% balance trailing | 3% of higher of EOD balance/ | 80% | 1 days | – | 40% for evaluations |
| Flash Challenge - 1-Step 25K1-step | $25K | 60 | $215 | 10% | 7% balance trailing | 4% of higher of EOD balance/ | 80% | 14 days | 3 | None listed |
| Nova Challenge - 1-Step 25K1-step · $165 activation | $25K | 62 | $7 | 5% | 6% balance trailing | funded: 5% balance trailing | None | funded: 3% of higher of EOD balance/ | 90% | 14 days | – | - Evaluation: No - Funded: Yes, 20% (ESS score) |
| X-Daily - 1-Step 25K1-step | $25K | 66 | $219 | 10% | 5% balance trailing | 3% of higher of EOD balance/ | 80% | 1 days | – | 40% for evaluations |
| Flash Challenge - 1-Step 50K1-step | $50K | 64 | $286 | 10% | 7% balance trailing | 4% of higher of EOD balance/ | 80% | 14 days | 3 | None listed |
| Nova Challenge - 1-Step 50K1-step · $275 activation | $50K | 63 | $7 | 5% | 6% balance trailing | funded: 5% balance trailing | None | funded: 3% of higher of EOD balance/ | 90% | 14 days | – | - Evaluation: No - Funded: Yes, 20% (ESS score) |
| X-Daily - 1-Step 50K1-step | $50K | 69 | $299 | 10% | 5% balance trailing | 3% of higher of EOD balance/ | 80% | 1 days | – | 40% for evaluations |
| Flash Challenge - 1-Step 100K1-step | $100K | 64 | $575 | 10% | 7% balance trailing | 4% of higher of EOD balance/ | 80% | 14 days | 3 | None listed |
| Nova Challenge - 1-Step 100K1-step · $550 activation | $100K | 63 | $7 | 5% | 6% balance trailing | funded: 5% balance trailing | None | funded: 3% of higher of EOD balance/ | 90% | 14 days | – | - Evaluation: No - Funded: Yes, 20% (ESS score) |
| X-Daily - 1-Step 100K1-step | $100K | 69 | $599 | 10% | 5% balance trailing | 3% of higher of EOD balance/ | 80% | 1 days | – | 40% for evaluations |
| Flash Challenge - 1-Step 200K1-step | $200K | 65 | $1,079 | 10% | 7% balance trailing | 4% of higher of EOD balance/ | 80% | 14 days | 3 | None listed |
| Nova Challenge - 1-Step 200K1-step · $880 activation | $200K | 65 | $7 | 5% | 6% balance trailing | funded: 5% balance trailing | None | funded: 3% of higher of EOD balance/ | 90% | 14 days | – | - Evaluation: No - Funded: Yes, 20% (ESS score) |
| Nova Challenge - 1-Step 300K1-step · $1,247 activation | $300K | 65 | $7 | 5% | 6% balance trailing | funded: 5% balance trailing | None | funded: 3% of higher of EOD balance/ | 90% | 14 days | – | - Evaluation: No - Funded: Yes, 20% (ESS score) |
| 2-Step Pro Challenge - 2-Steps 5K2-step | $5K | 63 | $69 | 8% / | 9% static | 4% of higher of EOD balance/ | 85% | 14 days | 3 | None listed |
| 2-Step Pro Challenge - 2-Steps 10K2-step | $10K | 63 | $162 | 8% / | 9% static | 4% of higher of EOD balance/ | 85% | 14 days | 3 | None listed |
| 2-Step Pro Challenge - 2-Steps 25K2-step | $25K | 67 | $209 | 8% / | 9% static | 4% of higher of EOD balance/ | 85% | 14 days | 3 | None listed |
| 2-Step Pro Challenge - 2-Steps 50K2-step | $50K | 66 | $435 | 8% / | 9% static | 4% of higher of EOD balance/ | 85% | 14 days | 3 | None listed |
| 2-Step Pro Challenge - 2-Steps 100K2-step | $100K | 71 | $531 | 8% / | 9% static | 4% of higher of EOD balance/ | 85% | 14 days | 3 | None listed |
| 2-Step Pro Challenge - 2-Steps 150K2-step | $150K | 70 | $863 | 8% / | 9% static | 4% of higher of EOD balance/ | 85% | 14 days | 3 | None listed |
| 2-Step Pro Challenge - 2-Steps 300K2-step | $300K | 72 | $1,398 | 8% / | 9% static | 4% of higher of EOD balance/ | 85% | 14 days | 3 | None listed |
| Instant Funding - Instant 5Kinstant funding | $5K | 44 | $135 | None (instant) | 6% balance trailing | 3% of higher of EOD balance/ | 60% | 30 days | 3 | To qualify for a payout, traders must maintain a 20% consistency score. |
| Instant Prime - Instant 5Kinstant funding | $5K | 53 | $94 | None (instant) | 5% balance trailing | 2.5% of higher of EOD balance/ | 80% | 14 days | – | Yes (20% ESS) |
| Instant Funding - Instant 10Kinstant funding | $10K | 44 | $226 | None (instant) | 6% balance trailing | 3% of higher of EOD balance/ | 60% | 30 days | 3 | To qualify for a payout, traders must maintain a 20% consistency score. |
| Instant Prime - Instant 10Kinstant funding | $10K | 53 | $223 | None (instant) | 5% balance trailing | 2.5% of higher of EOD balance/ | 80% | 14 days | – | Yes (20% ESS) |
| Instant Funding - Instant 25Kinstant funding | $25K | 44 | $423 | None (instant) | 6% balance trailing | 3% of higher of EOD balance/ | 60% | 30 days | 3 | To qualify for a payout, traders must maintain a 20% consistency score. |
| Instant Prime - Instant 25Kinstant funding | $25K | 54 | $296 | None (instant) | 5% balance trailing | 2.5% of higher of EOD balance/ | 80% | 14 days | – | Yes (20% ESS) |
| Instant Funding - Instant 50Kinstant funding | $50K | 45 | $586 | None (instant) | 6% balance trailing | 3% of higher of EOD balance/ | 60% | 30 days | 3 | To qualify for a payout, traders must maintain a 20% consistency score. |
| Instant Prime - Instant 50Kinstant funding | $50K | 57 | $410 | None (instant) | 5% balance trailing | 2.5% of higher of EOD balance/ | 80% | 14 days | – | Yes (20% ESS) |
| Instant Funding - Instant 100Kinstant funding | $100K | 45 | $1,142 | None (instant) | 6% balance trailing | 3% of higher of EOD balance/ | 60% | 30 days | 3 | To qualify for a payout, traders must maintain a 20% consistency score. |
| Instant Prime - Instant 100Kinstant funding | $100K | 58 | $798 | None (instant) | 5% balance trailing | 2.5% of higher of EOD balance/ | 80% | 14 days | – | Yes (20% ESS) |
| Instant Funding - Instant 200Kinstant funding | $200K | 45 | $2,537 | None (instant) | 6% balance trailing | 3% of higher of EOD balance/ | 60% | 30 days | 3 | To qualify for a payout, traders must maintain a 20% consistency score. |
| Instant Prime - Instant 200Kinstant funding | $200K | 57 | $1,776 | None (instant) | 5% balance trailing | 2.5% of higher of EOD balance/ | 80% | 14 days | – | Yes (20% ESS) |
| Magnum - Instant 500Kinstant funding | $500K | 57 | $3,495 | None (instant) | 4% balance trailing | 2% of higher of EOD balance/ | 80% | 14 days | – | Yes (15% ESS) |
Data checked 9 October 2026. Prop firms change their rules often, so confirm on the firm's own site before you buy.