Funded Top Prop Firm Review – What You Need to Know in 2025
Funded Top, launched in 2024 and headquartered in London, UK, is a proprietary trading firm offering virtual funded accounts from $5,000 to $200,000, scalable to $1 million. Known for its flexible one-step and two-step evaluations, up to 90% profit splits, and support for forex, indices, commodities, and cryptocurrencies, Funded Top aims to attract traders with low fees and no time limits. However, its short history and mixed reviews raise questions about reliability.
Funded Top Best suited for:
- Beginners: Low-cost challenges and no time pressure on evaluations.
- Intermediate traders: Flexible rules and community-driven support.
- Experienced traders: High profit splits and scaling potential.
- Scalpers and swing traders: Supports diverse trading styles with high leverage.
Pros & Cons of Funded Top
Pros
High Profit Splits: Up to 90% for funded traders, with 10% from challenge profits.- Affordable Fees: Challenges start at $49 for a $5,000 account.
- No Time Limits: Unlimited trading days for evaluations.
- Flexible Trading Rules: Allows news, overnight, and weekend trading.
- Multiple Platforms: MetaTrader 5, cTrader, and DXtrade.
- Scaling Plan: Accounts can grow to $1 million with 10% profit every four months.
Cons
Weekend trading not available on most accounts:- Payout timelines may vary based on verification speed:
How Does Funded Top Work? (Step-by-Step Guide)
- Choose an account size & challenge type: One-step or two-step ($5,000-$200,000).
- Pass the evaluation: 10% profit target for one-step
- 8% then 5% for two-step.
- Get funded: Trade a demo account with real profit potential.
- Profit splits & payouts: Up to 90% profit split, paid bi-weekly.
Funded Top Account Types & Funding Options
- Account sizes: $5,000 to $200,000, scalable to $1 million. Funding models: o One-step evaluation (10% profit target). o Two-step evaluation (8% then 5% profit targets). Profit splits: 80%-90%, with 10% from challenge phase. Challenge fees: $49-$999, non-refundable
- some programs offer refunds post-payout.:
Profit Targets & Payouts
- Profit targets: 10% for one-step
- 8% then 5% for two-step.
- Payouts: Via bank transfer, crypto (USDT, BTC), or PayPal, processed within 48 hours.
- Payout frequency: Bi-weekly, with first payout after 14 days.
- Maximum drawdown: 10%-12% overall.
- Daily drawdown limit: 5% of starting equity or balance, whichever is higher.
- Comparison: Funded Top’s 5% daily drawdown matches The 5%ers and FTMO but is stricter than Topstep (2%-4%).
Leverage & Trading Conditions
- Leverage: Up to 1:100 for forex, 1:50 for crypto, 1:20 for indices and metals.
- Lot size restrictions: None, but must follow risk management guidelines.
Allowed & Restricted Trading Strategies
Allowed Trading Strategies
- Scalping: Short-term trades targeting small price movements.
- Swing Trading: Holding positions for days or weeks.
- News Trading: Permitted without restrictions.
- Overnight/Weekend Trading: Allowed across all account types.
- Expert Advisors (EAs): Supported, including self-copy trading.
Restricted Trading Strategies
- Arbitrage Trading: Exploiting price discrepancies or glitches.
- High-Frequency Trading (HFT): Trades measured in seconds.
- Copy Trading Across Accounts: Coordinating trades between accounts.
- Inconsistent Trading: Vaguely defined
- often cited in payout denials.
- Exploiting Platform Errors: Taking advantage of glitches or delays.
How Long Does It Take to Get Funded by Funded Top?
- Challenge duration: Unlimited, with a minimum of 5 trading days per phase.
- Evaluation speed: One-step can be completed in days
- two-step takes 1-2 weeks.
- User experiences: Fast funding for compliant traders, but payout delays and denials reported.
How Long Has Funded Top Been Around?
Funded Top has been operating since 2024, making it one of the newer prop firms. While it has gained attention for its low fees and flexible models, its short history and mixed reviews on payout reliability limit its established trust compared to firms like FTMO or The 5%ers.
Who Owns Funded Top? (Founder & Company Background)
Founder(s): Not publicly disclosed, led by a team of trading and fintech professionals. Company headquarters: London, UK. Mission & vision: To provide traders with accessible capital, flexible evaluations, and a supportive environment to achieve financial success. Regulatory status: Unregulated, operates as a prop firm with third-party brokers, emphasizing transparency.
What Can You Trade with Funded Top? (Supported Markets & Assets)
Markets offered: Forex, indices, commodities, cryptocurrencies, metals. Forex pairs: Major, minor, and exotic pairs (e.g., EUR/USD, USD/JPY). Indices & commodities: S&P 500, NASDAQ, gold, silver, oil. Crypto trading: Bitcoin, Ethereum, and select altcoins. Restrictions: No HFT, arbitrage, or inconsistent trading, must adhere to risk guidelines.
Does Funded Top Offer Education & Trader Support? (Learning Resources & Coaching)
Limited, basic blog posts and trading guides. Trader development: Performance tracking via dashboard tools. Coaching programs: None, relies on community-driven support. Community & networking: Active Discord and Telegram for trader interaction.
How Good is Funded Top’s Customer Support? (Response Time & Availability)
Support channels: Live chat, email, Discord, Telegram. Response times: Typically within hours, but mixed feedback on payout disputes. Operating hours: 24/5 during market hours. Trader feedback: Positive for initial responses, negative for vague payout denial explanations.
Is Funded Top a Scam or a Legit Prop Firm?
Funded Top is a legitimate prop firm, verified by UK registration and a 4.2/5 Trustpilot rating from over 500 reviews. It has paid out to traders, but concerns about payout denials for “inconsistent trading,” platform issues, and lack of regulation suggest caution. Its newness compared to established firms like FTMO adds risk.
Alternatives to Funded Top – How It Compares
- FTMO: Higher trust score (4.9/5), 90% split, but stricter rules and no US traders. The 5%ers: Up to 100% split, no crypto, excludes US traders. FundedNext: 95% split, 15% challenge profits, but similar payout concerns.
Final Verdict – Should You Trade with Funded Top?
Funded Top is best for traders seeking affordable challenges, high profit splits, and flexible trading conditions, including crypto. Its no-time-limit evaluations and scaling to $1 million are appealing, but its short history, payout complaints, and lack of regulation raise red flags. Thorough research is essential before joining in 2025, especially compared to more established firms like FTMO or The 5%ers.
