Firm review · Forex and CFDs
TopOne Trader review: FLASH, PRO, Nova and the instant accounts
Five TopOne Trader programs, each paid once in dollars. 1-Step FLASH is a one-phase evaluation from $64; 2-Step PRO has two phases from $69; Nova Challenge costs $7 to start and an activation fee after passing; Instant Funding and Instant Prime are funded on purchase, from $135 and $94. Every price is a list price.
Rules checked on toponetrader.comSep 30, 202634 official pages citedMethodology
TopOne Trader prices
Checked on toponetrader.com Sep 30, 2026Every price on this page is an official list price, paid once. Nova's activation fee after passing is shown separately.
- Profit target
- +$5,000
- to pass; 3 trading days minimum
- no consistency rule to pass
- Max drawdown
- $3,500
- stops trailing at $50,000
- 7% of the account (dollars derived)
- Daily loss limit
- $2,000
- from the day's highest balance or equity
- 4% of the account (dollars derived)
- Activation fee
- Not published
- no activation fee is published either way
- To the funded account
- $286
- the price only: activation fee not published
- Payout cap
- $25,000
- per rolling 30 days, across all of the trader's accounts
List price
$286
$50K 1-Step FLASH1-Step FLASH · one-time
Get TopOne Trader 1-Step FLASH: opens toponetrader.com in a new tabOpens toponetrader.com. Affiliate link.
At a glance
Best for
- One phase with a 10% target, 3 profitable days, no consistency rule and no time limit.Help: 1-Step FLASH rules (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
- A funded split of 80%, 90% with the upgrade add-on, paid every 14 days.Help: 1-Step FLASH payouts (official page, opens in a new tab)
Watch out
- The 7% drawdown trails the closing balance and locks at the starting balance only once the account is up 7% or after the first payout request.Help: 1-Step FLASH rules (official page, opens in a new tab)Help: 1-Step FLASH max trailing drawdown (official page, opens in a new tab)Help: 1-Step FLASH payouts (official page, opens in a new tab)
- On the funded account a daily profit cap of 3% voids the excess, news trading has a 5-minute window and EAs are not allowed.Help: 1-Step FLASH rules (official page, opens in a new tab)Help: 1-Step FLASH news trading (official page, opens in a new tab)Help: EAs, API and HFT (official page, opens in a new tab)
At a glance
Best for
- Two phases, 8% then 5%, a static 9% maximum loss and no consistency rule.Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- A funded split of 85%, up to 100% with the add-on, and a per-request payout cap of 6% of the account, at most $15,000.Help: 2-Step PRO v2 payouts (official page, opens in a new tab)
Watch out
- Reaching the funded stage takes 2 phases of 3 profitable days each; a breach costs a paid reset that rises with each stage.Help: 2-Step PRO v2 overview (official page, opens in a new tab)Help: 2-Step PRO v2 resets (official page, opens in a new tab)
- The PRO pages promise the evaluation fee back on the fourth payout while the Terms say there are no refunds.Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
At a glance
Best for
- Funded on purchase from $135: no evaluation and no profit target.Home page (plan configurator) (official page, opens in a new tab)
- A 15% consistency limit instead of a target, and a split that rises from 60% to 90% by the fourth payout.Help: Instant Funding rules (official page, opens in a new tab)Help: Instant Funding payouts (official page, opens in a new tab)
Watch out
- The first payout comes 30 days after receiving the account, then every 30 days, unless you buy the Instant Payouts add-on.Help: Instant Funding payouts (official page, opens in a new tab)
- Weekend holding needs an add-on, news trading and EAs are not allowed, and the fee is non-refundable.Help: Instant Funding rules (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)Help: challenge fee refund policy (official page, opens in a new tab)
At a glance
Best for
- Funded on purchase from $94, with a 5% trailing drawdown and a 2.5% daily limit.Home page (plan configurator) (official page, opens in a new tab)Help: Instant Prime overview (official page, opens in a new tab)
- A split of 80% on the first payout, rising to 100% from the third, with payouts every 14 days.Help: Instant Prime payouts (official page, opens in a new tab)
Watch out
- Payouts need an equity stability score of 20% or lower: the largest winning day plus the largest losing day, over total profit.Help: Instant Prime 20% ESS rule (official page, opens in a new tab)
- The plan card calls the fee refundable while the refund policy says Instant Prime accounts have no fee refund (see the disagreements).Help: challenge fee refund policy (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
At a glance
Best for
- Starts at $7 at every size, with unlimited free resets while you evaluate.Nova page (official page, opens in a new tab)Help: Nova resets (official page, opens in a new tab)
- One phase with a 5% target, no daily loss limit, no minimum trading days and no time limit.Help: Nova overview (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
Watch out
- The activation fee, $165–$1,210 by size, is due within 30 days of passing, so the total to a funded account is $172–$1,217.Help: Nova overview (official page, opens in a new tab)Nova page (official page, opens in a new tab)
- The funded account adds a 3% daily loss limit, a 5% trailing drawdown and a 20% ESS rule.Help: Nova overview (official page, opens in a new tab)Help: Nova payouts (official page, opens in a new tab)
Listed in: Forex instant funding accounts
Five ways in
Which way in costs least?
For the size you pick: each program at its list price and what a funded account costs to reach, where the fee after passing is published. Not every program sells every size.
At $50K: each way in at its list price, against one Instant Funding account ($586).
| Way in | List price | Activation fee | To the funded account | Profit target | Max drawdown | Days to pass | Consistency, payout stage | Payout cap | Evaluation reset |
|---|---|---|---|---|---|---|---|---|---|
| 1-Step FLASHone-time evaluation | $286 | Not published | $286 | +$5,000 | $3,500 | 3 days | None | $25,000 | $91.20 |
| 2-Step PROone-time evaluation | $435 | Not published | $435 | +$4,000 → +$2,500 | $4,500 | 3 days | None | $3,000 | $157 |
| Instant Fundingone-time, no evaluation | $586 | Not published | $586 | None | $3,000 | No evaluation | At most 15% | $25,000 | Not published |
| Instant Primeone-time, no evaluation | $410 | Not published | $410 | None | $2,500 | No evaluation | None | $25,000 | Not published |
| Novaone-time evaluation | $7 | $275 | $282 | +$2,500 | $3,000 | No minimum | None | $25,000 | None |
- Nova costs $7 to start and its activation fee ($165–$1,210) is due within 30 days of passing; FLASH, PRO and both instant accounts state no activation fee.
- Evaluation resets are paid on FLASH ($15.20–$485.10) and PRO ($11–$629) and free and unlimited on Nova.
- No pass rate is assumed: the months are how many you could pay before one Instant Funding costs less, not how long passing takes.
Nova page (official page, opens in a new tab)Help: Nova overview (official page, opens in a new tab)Help: 1-Step FLASH resets (official page, opens in a new tab)Help: 2-Step PRO v2 resets (official page, opens in a new tab)Help: Nova resets (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
Accounts
All 30 TopOne Trader accounts
Three evaluations and two instant accounts, one list price per size, each paid once. Nova charges a small fee up front and an activation fee after passing; the other pages state no activation fee.
Showing 6 of 30: 1-Step FLASH. List prices checked on Sep 30, 2026; your selected account is highlighted.
| Billing | Consistency, payout stage | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1-Step FLASH | $5K | one-time | $64 | Not published | $64 | +$500 | $350 | $200 | None | $25,000 |
| 1-Step FLASH | $10K | one-time | $107 | Not published | $107 | +$1,000 | $700 | $400 | None | $25,000 |
| 1-Step FLASH | $25K | one-time | $215 | Not published | $215 | +$2,500 | $1,750 | $1,000 | None | $25,000 |
| 1-Step FLASH | $50K | one-time | $286 | Not published | $286 | +$5,000 | $3,500 | $2,000 | None | $25,000 |
| 1-Step FLASH | $100K | one-time | $575 | Not published | $575 | +$10,000 | $7,000 | $4,000 | None | $25,000 |
| 1-Step FLASH | $200K | one-time | $1,079 | Not published | $1,079 | +$20,000 | $14,000 | $8,000 | None | $25,000 |
Home page (plan configurator) (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Help: 1-Step FLASH payouts (official page, opens in a new tab)Help: 2-Step PRO v2 overview (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Help: Instant Funding rules (official page, opens in a new tab)Help: Instant Funding payouts (official page, opens in a new tab)Help: Instant Prime overview (official page, opens in a new tab)Help: Instant Prime payouts (official page, opens in a new tab)Nova page (official page, opens in a new tab)Help: Nova overview (official page, opens in a new tab)Help: Nova payouts (official page, opens in a new tab)
Payout rules
TopOne Trader payout rules: the path to your first payout
Worked on the account you pick, from the official pages. No published target, payout share or balance buffer bounds a payout here, so the path lists the rules instead of a worked balance.
Showing 1-Step FLASH $50K
1-Step FLASH $50K: from purchase to the payout rules
Help: 1-Step FLASH payouts (official page, opens in a new tab)
- Buy
$286
one-time payment
- Floor on day 1
- $46,500: $3,500 below the start, trailing, until it stops at $50,000
- Daily loss limit
- $2,000: from the day's highest balance or equity
- Reset
- $91.20 for a fresh start
Home page (plan configurator) (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Help: 1-Step FLASH max trailing drawdown (official page, opens in a new tab)Help: 1-Step FLASH resets (official page, opens in a new tab)
- Pass the target
+$5,000
to pass the evaluation
- Minimum days
- 3 trading days minimum
- Best day to pass
- no consistency rule while you qualify
- Max drawdown
- $3,500, trailing
Help: 1-Step FLASH rules (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
- funded account
Not published
activation fee: not published
- So far
- $286: the price; no activation fee is published
- Daily loss limit
- $2,000: from the day's highest balance or equity
- Reset after a breach
- $690
Help: funded account timeline (official page, opens in a new tab)Help: 1-Step FLASH daily drawdown (official page, opens in a new tab)Help: 1-Step FLASH resets (official page, opens in a new tab)
- First payout
3 profitable days
per request; you keep 80% (90% with the paid add-on)
- Days before the first request
- 3 trading days with 0.5% profit or more
- Best day
- no consistency rule at this stage
- Maximum payout
- $25,000 per rolling 30 days, across all of the trader's accounts
- Minimum payout
- Not published.
Help: comparison of account types (official page, opens in a new tab)Help: 1-Step FLASH payouts (official page, opens in a new tab)
- After that
every 14 days (7 days with the paid add-on)
the same rules each cycle
- How often
- every 14 days (7 days with the paid add-on)
- Payouts
- Paid through RiseWorks by bank transfer or cryptocurrency, with a 2% processing fee, after KYC and a risk review.
- Funded account
- A simulated trading account under a separate agreement with Top One Funding.
Help: comparison of account types (official page, opens in a new tab)Help: 1-Step FLASH payouts (official page, opens in a new tab)Help: payout methods (official page, opens in a new tab)Help: funded account timeline (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
TopOne Trader 1-Step FLASH $50K: $286 at the list price.
Get TopOne Trader 1-Step FLASH: opens toponetrader.com in a new tabConsistency
TopOne Trader consistency rule, worked out
Only Instant Funding has a consistency rule; Instant Prime and Nova use a stability score instead, listed in their rules. Each row is worked at the size shown from the published figures.
Largest profitable day ÷ net profit (since your last payout request, or during the evaluation), capped by each plan. “Under” means the day must stay below the cap; “at most” means it may equal it.
Check your own days in the consistency calculator · Plan your risk on this account in the risk planner
Worked example
- Instant Funding: the largest profitable day may be at most 15% of the total profit, and the score restarts after each payout.
- Instant Prime has no consistency rule but an ESS of 20% or lower: the largest winning day plus the largest losing day, over total profit. The Nova Challenge funded account also needs an ESS of 20% or lower.
Help: Instant Funding rules (official page, opens in a new tab)Help: Instant Prime 20% ESS rule (official page, opens in a new tab)Help: Nova payouts (official page, opens in a new tab)
Rules
TopOne Trader rules, with their sources
Checked on toponetrader.com and its help center on Sep 30, 2026. First the key rules of every program side by side at the size you picked, then every rule of the selected program, each with its source.
Key rules of every plan at $50K, side by side; the column of your plan is highlighted.
Evaluation 8
- Price
- Paid once, at the list price.$5K$64$10K$107$25K$215$50K$286$100K$575$200K$1,079
Home page (plan configurator) (official page, opens in a new tab)
- Profit target
- One phase: 10% of the starting balance.derived: 10% of the account size$5K+$500$10K+$1,000$25K+$2,500$50K+$5,000$100K+$10,000$200K+$20,000
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Max drawdown
- 7%, trailing on the closing balance until the account is up 7%, then locked at the starting balance.derived: 7% of the account size$5K$350$10K$700$25K$1,750$50K$3,500$100K$7,000$200K$14,000
Help: 1-Step FLASH rules (official page, opens in a new tab)Help: 1-Step FLASH max trailing drawdown (official page, opens in a new tab)
- Daily loss limit
- 4% of the initial balance, set from the previous day's peak balance or equity; a hard breach.derived: 4% of the account size$5K$200$10K$400$25K$1,000$50K$2,000$100K$4,000$200K$8,000
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Trading days
- 3 profitable days of at least 0.5% of the starting balance. No consistency rule and no time limit.
Help: 1-Step FLASH rules (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
- Leverage
- 1:10 on forex, indices and commodities and 1:2 on crypto in the evaluation; lower on indices, commodities and crypto once funded.
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Activation fee
- Not published.
- Reset
- A paid reset restarts the evaluation, within 14 days of the breach.$5K$15.20$10K$34.40$25K$68.80$50K$91.20$100K$258.30$200K$485.10
Help: 1-Step FLASH resets (official page, opens in a new tab)
Funded account 6
- Profit split
- 80%, or 90% with the upgrade add-on.
Help: 1-Step FLASH payouts (official page, opens in a new tab)
- Payouts
- First payout 14 days after receiving the funded account and after 3 profitable trading days of at least 0.5%; then every 14 days, or weekly with the weekly add-on.
Help: 1-Step FLASH payouts (official page, opens in a new tab)
- Minimum payout
- 2% of the initial balance; the pages give one example ($1,000 on the $50K), not a table by size.
Help: 1-Step FLASH payouts (official page, opens in a new tab)
- Maximum payout
- $25,000 per rolling 30 days across all your accounts; profit above it is deducted from the balance.
Help: 1-Step FLASH payouts (official page, opens in a new tab)
- Funded limits
- The drawdown locks at the starting balance when you request a payout. A daily profit cap of 3% pauses trading for the day and voids the excess; it is not a breach.
Help: 1-Step FLASH payouts (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)
- Funded reset
- Not available once the account has received an approved payout.$5K$95$10K$185$25K$290$50K$690$100K$1,170$200K$1,500
Help: 1-Step FLASH resets (official page, opens in a new tab)
Trading 5
- News trading
- Allowed in the evaluation. On the funded account no trade may be opened or closed within 5 minutes either side of a high-impact event; two paragraphs of the article disagree on stop-loss and take-profit hits (see below).
Help: 1-Step FLASH news trading (official page, opens in a new tab)
- EAs and bots
- Your own unique EA is allowed in the evaluation, but not the same EA as other traders placing identical trades. No EAs, trading bots or external API tools on funded accounts.
Help: 1-Step FLASH rules (official page, opens in a new tab)Help: EAs, API and HFT (official page, opens in a new tab)
- Overnight and weekend
- Positions may be held overnight and over the weekend.
Help: holding positions over the weekend (official page, opens in a new tab)
- Lot size
- No lot limit in the evaluation; on the funded account a position may not exceed 20% of the account size, capped at 20 lots.
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Platforms
- MatchTrader, TradeLocker and MetaTrader 5; TradeLocker starts at $10K.
Help: 1-Step FLASH rules (official page, opens in a new tab)Help: trading platforms (official page, opens in a new tab)
Trading rules 5
- Instruments
- Forex majors and minors on every platform, with exotics on MatchTrader and TradeLocker; indices, gold, silver, Bitcoin and Ethereum. Individual stocks cannot be traded.
Help: tradable instruments (official page, opens in a new tab)
- Stop loss
- Every trade needs a stop loss set when it is opened; a trade without one is closed automatically as a soft breach. A no-stop-loss add-on removes the requirement.
- Equity Shield
- Closes your trades automatically, in most cases, when the daily loss on open trades passes 2% on one symbol or 2.5% across all symbols.
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Prohibited practices
- High-frequency trading and tick scalping, hedging between accounts, arbitrage against another account, account rolling, third-party or off-the-shelf strategies and multiple IP addresses; the Terms also leave acceptable risk practices to the company.
- Inactivity
- Place a trade at least once every 30 days; the rules articles call a lapse a hard breach.
Help: 1-Step FLASH rules (official page, opens in a new tab)
Payouts, refunds and the company 7
- Payout methods
- RiseWorks, by bank transfer or cryptocurrency, with a 2% processing fee on all payouts; your Rise account must be linked and verified first.
- Before a payout
- KYC after passing, then a risk review of 1 to 2 business days (up to 5). The FLASH, Instant Funding and Instant Prime payout pages add that a video interview can be required, and refusing it can mean a denied withdrawal.
Help: funded account timeline (official page, opens in a new tab)
- Refunds
- The Terms say there are no refunds and every transaction is final. The PRO funded pages promise the fee back on the fourth payout and the Instant Prime card calls its fee refundable: the pages disagree (see below).
Terms and Conditions (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
- Funded accounts
- Simulated trading accounts under a separate agreement with Top One Funding; the Terms say challenge performance does not reflect live trading.
- Capital and accounts
- Up to $600,000 of initial funded capital per person or household, with scaling to $5 million on one page (the pages disagree, see below); the Terms allow one active account per challenge level.
Help: max allocation (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- Company
- Top One Trader, LLC is the trade name; the registered office is in Mutsamudu, Anjouan, Union of Comoros, under an International Brokerage and Clearing House licence L15829/TOT.
- Reviews clause
- The Terms bar negative reviews on sites such as Google, Trustpilot and Reddit; a breach can end the agreement, forfeit profits or lead to legal action, and the clause survives 2 years.
Countries 2
- Restricted countries
- Citizens and residents of 26 countries cannot use the services.
Show the 26 countries
Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Belarus, Cuba, Haiti, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morocco, Myanmar, North Korea, Pakistan, Russian Federation, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam
Help: restricted countries (official page, opens in a new tab)
- US residents
- MetaTrader 5 is not offered in the United States, Canada, U.S. Outlying Territories or Puerto Rico. MatchTrader and TradeLocker are listed for all approved countries and the United States is not on the restricted list, but no page says in words that US residents are accepted.
Help: trading platforms (official page, opens in a new tab)Help: restricted countries (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
Evaluation 9
- Price
- Paid once, at the list price.$5K$69$10K$162$25K$209$50K$435$100K$541$150K$863$300K$1,398
Home page (plan configurator) (official page, opens in a new tab)
- Profit targets
- Phase 1: 8%; phase 2: 5% ($250–$15,000 by size).Phase 1$5K+$400$10K+$800$25K+$2,000$50K+$4,000$100K+$8,000$150K+$12,000$300K+$24,000
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Max loss
- 9% of the starting balance, static: it does not trail as the account grows.derived: 9% of the account size$5K$450$10K$900$25K$2,250$50K$4,500$100K$9,000$150K$13,500$300K$27,000
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Daily loss limit
- 4% of the initial balance, from the higher of balance or equity at 5pm EST.derived: 4% of the account size$5K$200$10K$400$25K$1,000$50K$2,000$100K$4,000$150K$6,000$300K$12,000
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Trading days
- 3 profitable days of at least 0.5% in each phase. No consistency rule.
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Time limit
- Not published.
- Leverage
- Forex 1:100, indices and commodities 1:20 in the evaluation; on the funded account 1:50 forex and 1:5 indices and commodities.
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Activation fee
- Not published.
- Resets
- A paid reset returns the stage you breached; the reset fee rises with each stage.Phase 1$5K$11$10K$44$25K$76$50K$157$100K$244$150K$389$300K$629Phase 2$5K$36$10K$147$25K$252$50K$522$100K$813$150K$1,296$300K$2,097
Help: 2-Step PRO v2 resets (official page, opens in a new tab)
Funded account 7
- Profit split
- 85%, up to 100% with the add-on.
Help: 2-Step PRO v2 payouts (official page, opens in a new tab)
- Payouts
- Every 14 days by default, weekly with the add-on, after 3 profitable trading days of at least 0.5%; no consistency rule.
Help: comparison of account types (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)
- Minimum payout
- 3% of the initial balance.$5K$150$10K$300$25K$750$50K$1,500$100K$3,000$150K$4,500$300K$9,000
Help: 2-Step PRO v2 payouts (official page, opens in a new tab)
- Maximum payout
- Per request: 6% of the account size, at most $15,000.$5K$300$10K$600$25K$1,500$50K$3,000$100K$6,000$150K$9,000$300K$15,000
Help: 2-Step PRO v2 payouts (official page, opens in a new tab)
- Funded limits
- A static 9% maximum loss and a 4% daily loss limit ($200–$12,000 by size); a daily profit cap of $3,000 below $300,000 and $4,000 at $300,000.
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Fee refund
- 100% of the evaluation fee is refunded on the 4th approved payout (see the disagreements below).
Help: 2-Step PRO v2 payouts (official page, opens in a new tab)
- Funded reset
- Not available once the account has received an approved payout.$5K$96$10K$392$25K$672$50K$1,392$100K$2,168$150K$3,456$300K$5,592
Help: 2-Step PRO v2 resets (official page, opens in a new tab)
Trading 5
- News trading
- Allowed in the evaluation, not allowed on the funded account; one highlights paragraph of the overview says news trading is not allowed without naming a stage (see below).
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- EAs and bots
- Your own unique EA is allowed in the evaluation; EAs, trading bots and external tools are not permitted on funded accounts.
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Overnight and weekend
- Positions may be held overnight and over the weekend.
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Trade duration and soft breaches
- Trades must stay open at least 5 minutes; a maximum of 8 soft breaches per account.
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Platforms
- MatchTrader, TradeLocker and MetaTrader 5, listed up to $150,000 only on the platform page (see below).
Trading rules 5
- Instruments
- Forex majors and minors on every platform, with exotics on MatchTrader and TradeLocker; indices, gold, silver, Bitcoin and Ethereum. Individual stocks cannot be traded.
Help: tradable instruments (official page, opens in a new tab)
- Stop loss
- Every trade needs a stop loss set when it is opened; a trade without one is closed automatically as a soft breach. A no-stop-loss add-on removes the requirement.
- Equity Shield
- Closes your trades automatically, in most cases, when the daily loss on open trades passes 2% on one symbol or 2.5% across all symbols.
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Prohibited practices
- High-frequency trading and tick scalping, hedging between accounts, arbitrage against another account, account rolling, third-party or off-the-shelf strategies and multiple IP addresses; the Terms also leave acceptable risk practices to the company.
- Inactivity
- Place a trade at least once every 30 days; the rules articles call a lapse a hard breach.
Help: 1-Step FLASH rules (official page, opens in a new tab)
Payouts, refunds and the company 7
- Payout methods
- RiseWorks, by bank transfer or cryptocurrency, with a 2% processing fee on all payouts; your Rise account must be linked and verified first.
- Before a payout
- KYC after passing, then a risk review of 1 to 2 business days (up to 5). The FLASH, Instant Funding and Instant Prime payout pages add that a video interview can be required, and refusing it can mean a denied withdrawal.
Help: funded account timeline (official page, opens in a new tab)
- Refunds
- The Terms say there are no refunds and every transaction is final. The PRO funded pages promise the fee back on the fourth payout and the Instant Prime card calls its fee refundable: the pages disagree (see below).
Terms and Conditions (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
- Funded accounts
- Simulated trading accounts under a separate agreement with Top One Funding; the Terms say challenge performance does not reflect live trading.
- Capital and accounts
- Up to $600,000 of initial funded capital per person or household, with scaling to $5 million on one page (the pages disagree, see below); the Terms allow one active account per challenge level.
Help: max allocation (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- Company
- Top One Trader, LLC is the trade name; the registered office is in Mutsamudu, Anjouan, Union of Comoros, under an International Brokerage and Clearing House licence L15829/TOT.
- Reviews clause
- The Terms bar negative reviews on sites such as Google, Trustpilot and Reddit; a breach can end the agreement, forfeit profits or lead to legal action, and the clause survives 2 years.
Countries 2
- Restricted countries
- Citizens and residents of 26 countries cannot use the services.
Show the 26 countries
Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Belarus, Cuba, Haiti, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morocco, Myanmar, North Korea, Pakistan, Russian Federation, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam
Help: restricted countries (official page, opens in a new tab)
- US residents
- MetaTrader 5 is not offered in the United States, Canada, U.S. Outlying Territories or Puerto Rico. MatchTrader and TradeLocker are listed for all approved countries and the United States is not on the restricted list, but no page says in words that US residents are accepted.
Help: trading platforms (official page, opens in a new tab)Help: restricted countries (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
Account 6
- Price
- Paid once, at the list price. Funded on purchase: no evaluation and no profit target.$5K$135$10K$226$25K$423$50K$586$100K$1,142$200K$2,537
Home page (plan configurator) (official page, opens in a new tab)
- Activation fee
- Not published.
- Max drawdown
- 6%, trailing, locking at the starting balance after the first payout.derived: 6% of the account size$5K$300$10K$600$25K$1,500$50K$3,000$100K$6,000$200K$12,000
Help: Instant Funding rules (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
- Daily loss limit
- 3% of the initial balance; a hard breach.derived: 3% of the account size$5K$150$10K$300$25K$750$50K$1,500$100K$3,000$200K$6,000
Help: Instant Funding rules (official page, opens in a new tab)
- Leverage
- Forex 1:50, indices and metals 1:10, crypto 1:1.
Help: Instant Funding rules (official page, opens in a new tab)
- Reset
- Not published.
Payouts 5
- Profit split
- Starts at 60% on the first payout and rises to 70%, 80% and 90% from the fourth.
Help: Instant Funding payouts (official page, opens in a new tab)
- Payouts
- First payout 30 days after receiving the account, then every 30 days; the Instant Payouts add-on allows immediate payouts once the consistency rule is met.
Help: Instant Funding payouts (official page, opens in a new tab)
- Consistency
- The largest profitable day may be at most 15% of the total profit; the score restarts after each payout.
Help: Instant Funding rules (official page, opens in a new tab)
- Minimum payout
- 2% of the initial balance; the pages give one example ($1,000 on the $50K), not a table by size.
Help: Instant Funding payouts (official page, opens in a new tab)
- Maximum payout
- $25,000 per rolling 30 days across all your accounts.
Help: Instant Funding payouts (official page, opens in a new tab)
Trading 6
- News trading
- Not allowed.
Help: comparison of account types (official page, opens in a new tab)
- EAs and bots
- Not allowed.
Help: comparison of account types (official page, opens in a new tab)
- Overnight and weekend
- Overnight holding is allowed; weekend holding needs the add-on.
Help: Instant Funding rules (official page, opens in a new tab)
- Platforms
- TradeLocker, MatchTrader and MetaTrader 5; TradeLocker starts at $10K.
Help: Instant Funding rules (official page, opens in a new tab)Help: trading platforms (official page, opens in a new tab)
- Lot size
- A position may not exceed 20% of the account size, capped at 20 lots.
Help: Instant Funding rules (official page, opens in a new tab)
- Soft breaches
- Up to 10 soft breaches per account.
Help: Instant Funding rules (official page, opens in a new tab)
Trading rules 5
- Instruments
- Forex majors and minors on every platform, with exotics on MatchTrader and TradeLocker; indices, gold, silver, Bitcoin and Ethereum. Individual stocks cannot be traded.
Help: tradable instruments (official page, opens in a new tab)
- Stop loss
- Every trade needs a stop loss set when it is opened; a trade without one is closed automatically as a soft breach. A no-stop-loss add-on removes the requirement.
- Equity Shield
- Closes your trades automatically, in most cases, when the daily loss on open trades passes 2% on one symbol or 2.5% across all symbols.
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Prohibited practices
- High-frequency trading and tick scalping, hedging between accounts, arbitrage against another account, account rolling, third-party or off-the-shelf strategies and multiple IP addresses; the Terms also leave acceptable risk practices to the company.
- Inactivity
- Place a trade at least once every 30 days; the rules articles call a lapse a hard breach.
Help: 1-Step FLASH rules (official page, opens in a new tab)
Payouts, refunds and the company 7
- Payout methods
- RiseWorks, by bank transfer or cryptocurrency, with a 2% processing fee on all payouts; your Rise account must be linked and verified first.
- Before a payout
- KYC after passing, then a risk review of 1 to 2 business days (up to 5). The FLASH, Instant Funding and Instant Prime payout pages add that a video interview can be required, and refusing it can mean a denied withdrawal.
Help: funded account timeline (official page, opens in a new tab)
- Refunds
- The Terms say there are no refunds and every transaction is final. The PRO funded pages promise the fee back on the fourth payout and the Instant Prime card calls its fee refundable: the pages disagree (see below).
Terms and Conditions (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
- Funded accounts
- Simulated trading accounts under a separate agreement with Top One Funding; the Terms say challenge performance does not reflect live trading.
- Capital and accounts
- Up to $600,000 of initial funded capital per person or household, with scaling to $5 million on one page (the pages disagree, see below); the Terms allow one active account per challenge level.
Help: max allocation (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- Company
- Top One Trader, LLC is the trade name; the registered office is in Mutsamudu, Anjouan, Union of Comoros, under an International Brokerage and Clearing House licence L15829/TOT.
- Reviews clause
- The Terms bar negative reviews on sites such as Google, Trustpilot and Reddit; a breach can end the agreement, forfeit profits or lead to legal action, and the clause survives 2 years.
Countries 2
- Restricted countries
- Citizens and residents of 26 countries cannot use the services.
Show the 26 countries
Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Belarus, Cuba, Haiti, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morocco, Myanmar, North Korea, Pakistan, Russian Federation, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam
Help: restricted countries (official page, opens in a new tab)
- US residents
- MetaTrader 5 is not offered in the United States, Canada, U.S. Outlying Territories or Puerto Rico. MatchTrader and TradeLocker are listed for all approved countries and the United States is not on the restricted list, but no page says in words that US residents are accepted.
Help: trading platforms (official page, opens in a new tab)Help: restricted countries (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
Account 6
- Price
- Paid once, at the list price. Funded on purchase: no evaluation and no profit target.$5K$94$10K$223$25K$296$50K$410$100K$798$200K$1,776
Home page (plan configurator) (official page, opens in a new tab)
- Activation fee
- Not published.
- Max drawdown
- 5%, trailing, locking at the starting balance after the first payout.derived: 5% of the account size$5K$250$10K$500$25K$1,250$50K$2,500$100K$5,000$200K$10,000
Help: Instant Prime overview (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
- Daily loss limit
- 2.5% of the initial balance for accounts bought since October 25, 2025.derived: 2.5% of the account size$5K$125$10K$250$25K$625$50K$1,250$100K$2,500$200K$5,000
Help: Instant Prime overview (official page, opens in a new tab)
- Leverage
- Forex 1:50, indices and metals 1:10, crypto 1:1; a 100:1 forex add-on exists, not on TradeLocker.
Help: Instant Prime overview (official page, opens in a new tab)
Payouts 5
- Profit split
- 80% on the first payout, 90% on the second and 100% from the third; the add-on gives 100% from the first.
Help: Instant Prime payouts (official page, opens in a new tab)
- Payouts
- First payout 14 days after receiving the account, then every 14 days.
Help: Instant Prime payouts (official page, opens in a new tab)
- Stability score
- An ESS of 20% or lower is needed to be paid: the largest winning day plus the largest losing day, over total profit. There is no consistency rule.
Help: Instant Prime 20% ESS rule (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
- Minimum payout
- 2% of the initial balance; the pages give one example ($1,000 on the $50K), not a table by size.
Help: Instant Prime payouts (official page, opens in a new tab)
- Maximum payout
- $25,000 per rolling 30 days across all your accounts.
Help: Instant Prime payouts (official page, opens in a new tab)
Trading 6
- News trading
- No trade may be opened or closed within 5 minutes either side of a high-impact event; the News Trading add-on unlocks it.
Help: Instant Prime overview (official page, opens in a new tab)
- EAs and bots
- Not allowed.
Help: Instant Prime overview (official page, opens in a new tab)
- Overnight and weekend
- Overnight holding is allowed; weekend holding is restricted unless you buy the add-on.
Help: Instant Prime overview (official page, opens in a new tab)
- Platforms
- MatchTrader, TradeLocker and MetaTrader 5; TradeLocker starts at $10K.
Help: Instant Prime overview (official page, opens in a new tab)Help: trading platforms (official page, opens in a new tab)
- Lot size
- A position may not exceed 20% of the account size, capped at 20 lots.
Help: Instant Prime overview (official page, opens in a new tab)
- Soft breaches
- Up to 5 soft breaches per account.
Help: Instant Prime overview (official page, opens in a new tab)
Trading rules 5
- Instruments
- Forex majors and minors on every platform, with exotics on MatchTrader and TradeLocker; indices, gold, silver, Bitcoin and Ethereum. Individual stocks cannot be traded.
Help: tradable instruments (official page, opens in a new tab)
- Stop loss
- Every trade needs a stop loss set when it is opened; a trade without one is closed automatically as a soft breach. A no-stop-loss add-on removes the requirement.
- Equity Shield
- Closes your trades automatically, in most cases, when the daily loss on open trades passes 2% on one symbol or 2.5% across all symbols.
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Prohibited practices
- High-frequency trading and tick scalping, hedging between accounts, arbitrage against another account, account rolling, third-party or off-the-shelf strategies and multiple IP addresses; the Terms also leave acceptable risk practices to the company.
- Inactivity
- Place a trade at least once every 30 days; the rules articles call a lapse a hard breach.
Help: 1-Step FLASH rules (official page, opens in a new tab)
Payouts, refunds and the company 7
- Payout methods
- RiseWorks, by bank transfer or cryptocurrency, with a 2% processing fee on all payouts; your Rise account must be linked and verified first.
- Before a payout
- KYC after passing, then a risk review of 1 to 2 business days (up to 5). The FLASH, Instant Funding and Instant Prime payout pages add that a video interview can be required, and refusing it can mean a denied withdrawal.
Help: funded account timeline (official page, opens in a new tab)
- Refunds
- The Terms say there are no refunds and every transaction is final. The PRO funded pages promise the fee back on the fourth payout and the Instant Prime card calls its fee refundable: the pages disagree (see below).
Terms and Conditions (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
- Funded accounts
- Simulated trading accounts under a separate agreement with Top One Funding; the Terms say challenge performance does not reflect live trading.
- Capital and accounts
- Up to $600,000 of initial funded capital per person or household, with scaling to $5 million on one page (the pages disagree, see below); the Terms allow one active account per challenge level.
Help: max allocation (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- Company
- Top One Trader, LLC is the trade name; the registered office is in Mutsamudu, Anjouan, Union of Comoros, under an International Brokerage and Clearing House licence L15829/TOT.
- Reviews clause
- The Terms bar negative reviews on sites such as Google, Trustpilot and Reddit; a breach can end the agreement, forfeit profits or lead to legal action, and the clause survives 2 years.
Countries 2
- Restricted countries
- Citizens and residents of 26 countries cannot use the services.
Show the 26 countries
Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Belarus, Cuba, Haiti, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morocco, Myanmar, North Korea, Pakistan, Russian Federation, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam
Help: restricted countries (official page, opens in a new tab)
- US residents
- MetaTrader 5 is not offered in the United States, Canada, U.S. Outlying Territories or Puerto Rico. MatchTrader and TradeLocker are listed for all approved countries and the United States is not on the restricted list, but no page says in words that US residents are accepted.
Help: trading platforms (official page, opens in a new tab)Help: restricted countries (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
Evaluation 8
- Start fee
- A one-time $7 at every size to start the evaluation.
- Activation fee
- Paid once after passing, within 30 days; not refundable. The $300,000 fee differs between the plan card and the pay-after-you-pass article (see below).$25K$165$50K$275$100K$550$200K$880$300K$1,210
- Profit target
- One phase: 5% of the starting balance.derived: 5% of the account size$25K+$1,250$50K+$2,500$100K+$5,000$200K+$10,000$300K+$15,000
- Max drawdown
- 6%, trailing on equity until it reaches the starting balance, where it locks.derived: 6% of the account size$25K$1,500$50K$3,000$100K$6,000$200K$12,000$300K$18,000
- Daily loss limit
- None in the evaluation; the funded account has one.
- Trading days
- No minimum trading days, no consistency rule and no time limit.
Help: comparison of account types (official page, opens in a new tab)Help: Nova overview (official page, opens in a new tab)
- Leverage
- Forex 1:100 in the evaluation; on the funded account 1:30 forex, 1:5 metals and indices, 1:1 crypto.
- Resets
- Unlimited and free in the evaluation; a funded reset has its own fee.
Funded account 6
- Profit split
- 90%, or 100% with the upgrade.
- Payouts
- Every 14 days, or every 7 days with the weekly upgrade; the minimum is 2% of the initial balance.
- Maximum payout
- $25,000 per rolling 30 days across all your accounts.
- Stability score
- An ESS of 20% or lower is needed to be paid; the Nova pages do not define the score.
- Funded limits
- $750–$9,000 daily loss limit (3% of the account) and a 5% trailing drawdown that locks at the starting balance on payout.
- Funded reset
- Fee by size; not available once the account has received an approved payout.$25K$126.65$50K$211.65$100K$424.15$200K$679.15$300K$849
Trading 4
- News trading
- Allowed in the evaluation, not allowed on the funded account.
Help: comparison of account types (official page, opens in a new tab)
- EAs and bots
- Your own unique EA is allowed in the evaluation; the overview bars EAs on funded accounts while the comparison page allows them (see below).
- Overnight and weekend
- Positions may be held overnight and over the weekend.
- Platforms
- TradeLocker and MetaTrader 5 only.
Trading rules 5
- Instruments
- Forex majors and minors on every platform, with exotics on MatchTrader and TradeLocker; indices, gold, silver, Bitcoin and Ethereum. Individual stocks cannot be traded.
Help: tradable instruments (official page, opens in a new tab)
- Stop loss
- Every trade needs a stop loss set when it is opened; a trade without one is closed automatically as a soft breach. A no-stop-loss add-on removes the requirement.
- Equity Shield
- Closes your trades automatically, in most cases, when the daily loss on open trades passes 2% on one symbol or 2.5% across all symbols.
Help: 1-Step FLASH rules (official page, opens in a new tab)
- Prohibited practices
- High-frequency trading and tick scalping, hedging between accounts, arbitrage against another account, account rolling, third-party or off-the-shelf strategies and multiple IP addresses; the Terms also leave acceptable risk practices to the company.
- Inactivity
- Place a trade at least once every 30 days; the rules articles call a lapse a hard breach.
Help: 1-Step FLASH rules (official page, opens in a new tab)
Payouts, refunds and the company 7
- Payout methods
- RiseWorks, by bank transfer or cryptocurrency, with a 2% processing fee on all payouts; your Rise account must be linked and verified first.
- Before a payout
- KYC after passing, then a risk review of 1 to 2 business days (up to 5). The FLASH, Instant Funding and Instant Prime payout pages add that a video interview can be required, and refusing it can mean a denied withdrawal.
Help: funded account timeline (official page, opens in a new tab)
- Refunds
- The Terms say there are no refunds and every transaction is final. The PRO funded pages promise the fee back on the fourth payout and the Instant Prime card calls its fee refundable: the pages disagree (see below).
Terms and Conditions (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
- Funded accounts
- Simulated trading accounts under a separate agreement with Top One Funding; the Terms say challenge performance does not reflect live trading.
- Capital and accounts
- Up to $600,000 of initial funded capital per person or household, with scaling to $5 million on one page (the pages disagree, see below); the Terms allow one active account per challenge level.
Help: max allocation (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- Company
- Top One Trader, LLC is the trade name; the registered office is in Mutsamudu, Anjouan, Union of Comoros, under an International Brokerage and Clearing House licence L15829/TOT.
- Reviews clause
- The Terms bar negative reviews on sites such as Google, Trustpilot and Reddit; a breach can end the agreement, forfeit profits or lead to legal action, and the clause survives 2 years.
Countries 2
- Restricted countries
- Citizens and residents of 26 countries cannot use the services.
Show the 26 countries
Afghanistan, Albania, Algeria, Armenia, Azerbaijan, Belarus, Cuba, Haiti, Iran, Iraq, Kazakhstan, Kuwait, Lebanon, Libya, Macedonia, Morocco, Myanmar, North Korea, Pakistan, Russian Federation, Somalia, Sudan, Syria, Turkey, Ukraine, Vietnam
Help: restricted countries (official page, opens in a new tab)
- US residents
- MetaTrader 5 is not offered in the United States, Canada, U.S. Outlying Territories or Puerto Rico. MatchTrader and TradeLocker are listed for all approved countries and the United States is not on the restricted list, but no page says in words that US residents are accepted.
Help: trading platforms (official page, opens in a new tab)Help: restricted countries (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
Read before you buy
Traps and contradictions
From TopOne Trader's own pages. The watch-outs follow the program you picked. Where two official pages say different things, both are shown: check with TopOne Trader before you buy.
Watch out: 1-Step FLASH 5
- Funded news window
The funded-account news article says a stop loss or take profit hit inside the 5-minute window is a violation, and also that trades opened at least 5 hours earlier are exempt.
Help: 1-Step FLASH news trading (official page, opens in a new tab)
- Trailing drawdown
The 7% drawdown trails the closing balance and only locks at the starting balance after a 7% gain or the first payout request.
Help: 1-Step FLASH max trailing drawdown (official page, opens in a new tab)Help: 1-Step FLASH payouts (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)
- Payout limits
Payouts are capped at $25,000 per rolling 30 days across all accounts, and a daily profit cap of 3% voids the excess on the funded account.
Help: 1-Step FLASH payouts (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)
- Reviews clause
The Terms bar negative reviews and allow termination, forfeiture of profits or legal action for a breach.
- Payout speed
The marketing pages quote much faster average payouts than the help center's 24 to 48 business hours.
Watch out: 2-Step PRO 5
- Two paid resets
A breach in phase 2 or on the funded account has its own, higher reset fee; a funded reset is not offered after an approved payout.
Help: 2-Step PRO v2 resets (official page, opens in a new tab)
- Fee refund disputed
The PRO pages say the fee is refunded on the fourth approved payout; the Terms and the refund policy article describe no refund.
Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- Funded rules differ from the FAQ
The home page FAQ gives FLASH and PRO the same funded rules (a lower minimum payout and a lower top split); the PRO pages say 3% and up to 100%.
Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
- Minimum trade time
Trades must stay open at least 5 minutes on the PRO plan.
Help: 2-Step PRO v2 overview (official page, opens in a new tab)
- Largest size and platforms
The $300K size is sold, but the platform page lists PRO only up to $150K on every platform.
Watch out: Instant Funding 5
- Slow first payout
The first payout opens 30 days after you receive the account and then repeats every 30 days, unless you buy the Instant Payouts add-on.
Help: Instant Funding payouts (official page, opens in a new tab)
- Consistency to be paid
The largest profitable day may be at most 15% of the total profit, so a few large days delay a payout.
Help: Instant Funding rules (official page, opens in a new tab)
- Weekend and news
Weekend holding needs an add-on; news trading and EAs are not allowed.
Help: Instant Funding rules (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)
- No fee refund
The account fee is a one-time, non-refundable payment.
Help: challenge fee refund policy (official page, opens in a new tab)
- Payout limit
Payouts and retained profit are capped at $25,000 per rolling 30 days across all your accounts.
Help: Instant Funding payouts (official page, opens in a new tab)
Watch out: Instant Prime 5
- Refund label
The plan card calls the fee refundable; the refund policy article says Instant Prime accounts have no fee refund and the Terms say there are no refunds.
Help: challenge fee refund policy (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)
- Stability score
The payout test is an equity stability score of 20% or lower, which counts the largest losing day as well as the largest winning day.
Help: Instant Prime 20% ESS rule (official page, opens in a new tab)
- Weekend and news add-ons
Weekend holding is restricted and news trading has a 5-minute window unless you buy the add-ons; EAs are not allowed.
Help: Instant Prime overview (official page, opens in a new tab)
- Payout limit
Payouts and retained profit are capped at $25,000 per rolling 30 days across all your accounts.
Help: Instant Prime payouts (official page, opens in a new tab)
- Daily limit date
The 2.5% daily limit applies to accounts bought since October 25, 2025; earlier accounts have a daily pause rule instead.
Help: Instant Prime overview (official page, opens in a new tab)
Watch out: Nova 5
- Fee after passing
Passing costs a further $165–$1,210 by size, due within 30 days; the total to a funded account is $172–$1,217.
Help: Nova overview (official page, opens in a new tab)Nova page (official page, opens in a new tab)
- Largest Nova size fee
The plan card gives $1,210 at $300,000 and the pay-after-you-pass article $1,247; the site stores the card's figure.
- Funded EAs disputed
The overview bars EAs on funded accounts while the comparison page says they are allowed during the challenge and funded.
- Stricter funded account
The funded account has a 3% daily loss limit, a 5% trailing drawdown and a 20% ESS rule, none of which apply in the evaluation.
Help: Nova overview (official page, opens in a new tab)Help: Nova payouts (official page, opens in a new tab)
- Free resets end at funding
Resets are free and unlimited only in the evaluation; a funded reset has its own fee and is not offered after an approved payout.
Official pages disagree 12
- Is the Instant Prime fee refundableAThe plan card: a one-time 100% refundable fee.Home page (plan configurator) (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)BThe refund policy article and the Terms: Instant Prime accounts have no fee refund and there are no refunds.Help: challenge fee refund policy (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- Is the 2-Step PRO fee refundedAThe 2-Step PRO v2 pages: 100% of the evaluation fee is refunded on the 4th approved payout.Help: 2-Step PRO v2 payouts (official page, opens in a new tab)BThe refund policy article and the Terms: no refund is described for new 2-Step accounts, and there are no refunds.Help: challenge fee refund policy (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)
- EAs on funded Nova accountsAThe comparison page: Nova allows EAs during the challenge and funded.Help: comparison of account types (official page, opens in a new tab)BThe Nova overview: EAs, bots and external tools are not permitted on funded accounts.Help: Nova overview (official page, opens in a new tab)
- A stop loss hit inside the news windowAOne paragraph: a stop loss or take profit triggered during the restricted window is a violation.Help: 1-Step FLASH news trading (official page, opens in a new tab)BAnother paragraph of the same article: a trade opened at least 5 hours earlier can still hit its stop loss or take profit in the window.Help: 1-Step FLASH news trading (official page, opens in a new tab)
- How fast payouts are processedAThe marketing pages: average payouts of 30 minutes, under 90 minutes and 90 minutes.Home page (plan configurator) (official page, opens in a new tab)Nova page (official page, opens in a new tab)BThe help center: 24 to 48 business hours, and a 24-hour processing guarantee.Help: payout methods (official page, opens in a new tab)Help: 1-Step FLASH payouts (official page, opens in a new tab)
7 more, lower stakes
- Nova activation fee at $300,000AThe plan configurator: $1,210 after passing at $300,000.Home page (plan configurator) (official page, opens in a new tab)BThe pay-after-you-pass article: $1,247 at $300,000.Help: Nova pay after you pass (official page, opens in a new tab)
- PRO funded rules on the home pageAThe home page FAQ: a 2% minimum payout and a split of up to 90/10 for FLASH and PRO funded accounts.Home page (plan configurator) (official page, opens in a new tab)BThe 2-Step PRO v2 pages: a 3% minimum payout and a split up to 100%.Help: 2-Step PRO v2 payouts (official page, opens in a new tab)
- How far an account can scaleAThe allocation article: $600,000 initial and $5 million scaling maximum.Help: max allocation (official page, opens in a new tab)BThe 2-Step PRO v2 overview: scaling up to $2,000,000; the allocation article also speaks of a $300,000 initial allocation.Help: 2-Step PRO v2 overview (official page, opens in a new tab)Help: max allocation (official page, opens in a new tab)
- How many accounts you may holdAThe Terms: one active account per challenge level.Terms and Conditions (official page, opens in a new tab)BThe allocation article: you can open multiple accounts, for example six of $100,000.Help: max allocation (official page, opens in a new tab)
- Nova largest sizeAThe Nova page headline: trade up to $300k for $7.Nova page (official page, opens in a new tab)BTwo other passages of the Nova page: up to $200K.Nova page (official page, opens in a new tab)
- The 2-Step PRO $300,000 sizeAThe overview and plan card sell a $300,000 size.Help: 2-Step PRO v2 overview (official page, opens in a new tab)BThe platform page lists 2-Step PRO v2 only up to $150,000.Help: trading platforms (official page, opens in a new tab)
- News trading in the PRO evaluationAThe evaluation rules table: news trading is allowed.Help: 2-Step PRO v2 overview (official page, opens in a new tab)BThe highlights section of the same overview: news trading is not allowed.Help: 2-Step PRO v2 overview (official page, opens in a new tab)
FAQ
TopOne Trader questions, answered from the data
What does TopOne Trader cost?
1-Step FLASH costs $64–$1,079 across $5K to $200K, 2-Step PRO $69–$1,398, Instant Funding $135–$2,537 and Instant Prime $94–$1,776. Nova Challenge costs $7 to start plus an activation fee of $165–$1,210 after passing. Every price is a one-time list price.
Home page (plan configurator) (official page, opens in a new tab)Nova page (official page, opens in a new tab)Help: Nova overview (official page, opens in a new tab)
Is there a fee after I pass?
Only Nova Challenge states one: $165–$1,210 by size, due within 30 days of passing. No captured page states an activation fee, or says there is none, for FLASH, PRO, Instant Funding or Instant Prime.
Help: Nova overview (official page, opens in a new tab)Help: funded account timeline (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)Help: 2-Step PRO v2 overview (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Help: Instant Funding rules (official page, opens in a new tab)Help: Instant Funding payouts (official page, opens in a new tab)Help: Instant Prime overview (official page, opens in a new tab)Help: Instant Prime payouts (official page, opens in a new tab)
Which drawdown does TopOne Trader use?
FLASH: 7% trailing, locking at the starting balance. PRO: 9%, static. Nova: 6% trailing in the evaluation, 5% once funded. Instant Funding: 6% and Instant Prime: 5%, both trailing and locking after the first payout.
Help: 1-Step FLASH rules (official page, opens in a new tab)Help: 2-Step PRO v2 overview (official page, opens in a new tab)Help: Nova overview (official page, opens in a new tab)Help: Instant Funding rules (official page, opens in a new tab)Help: Instant Prime overview (official page, opens in a new tab)
How and when am I paid?
FLASH, PRO and Nova pay every 14 days, with weekly payouts as an add-on; Instant Prime pays every 14 days and Instant Funding every 30. Splits start at 80% (FLASH), 85% (PRO), 90% (Nova), 60% (Instant Funding) and 80% (Instant Prime). Payouts go through RiseWorks with a 2% processing fee.
Help: 1-Step FLASH payouts (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)Help: Nova payouts (official page, opens in a new tab)Help: Instant Funding payouts (official page, opens in a new tab)Help: Instant Prime payouts (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Help: payout methods (official page, opens in a new tab)
Is there a consistency rule?
No consistency rule applies to the FLASH, PRO or Nova evaluations, or to their funded accounts; Nova and Instant Prime use an ESS of 20% or lower instead. Instant Funding requires the largest profitable day to be at most 15% of the profit.
Help: comparison of account types (official page, opens in a new tab)Help: 2-Step PRO v2 overview (official page, opens in a new tab)Help: 2-Step PRO v2 payouts (official page, opens in a new tab)Help: Nova payouts (official page, opens in a new tab)Help: Instant Prime 20% ESS rule (official page, opens in a new tab)Help: Instant Funding rules (official page, opens in a new tab)
Can I trade the news, use EAs or hold over the weekend?
News trading is allowed in the evaluations and barred on funded accounts; it is barred on Instant Funding, and on Instant Prime unless you buy the news add-on. Your own EA is allowed in the evaluations only. Weekends are allowed on FLASH, PRO and Nova; Instant Funding and Instant Prime need a weekend add-on.
Help: 1-Step FLASH news trading (official page, opens in a new tab)Help: Instant Prime overview (official page, opens in a new tab)Help: comparison of account types (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Help: holding positions over the weekend (official page, opens in a new tab)Help: Instant Funding rules (official page, opens in a new tab)
Are the funded accounts real?
They are simulated: the Terms say challenge performance is simulated and funded traders get a simulated trading account under a separate agreement with Top One Funding.
Who cannot join, and can US residents?
Citizens and residents of 26 countries are excluded. MetaTrader 5 is not offered in the United States, Canada, U.S. Outlying Territories or Puerto Rico; no captured page says in words whether US residents are accepted.
Help: restricted countries (official page, opens in a new tab)Help: trading platforms (official page, opens in a new tab)Help: 1-Step FLASH rules (official page, opens in a new tab)Terms and Conditions (official page, opens in a new tab)Home page (plan configurator) (official page, opens in a new tab)