TopTier Trader Prop Firm Review – What You Need to Know in 2025
Founded in October 2021, TopTier Trader is a proprietary trading firm headquartered in Miami, Florida, operated by TopTier Trader LLC and led by CEO Jamal Hollingsworth. It offers funded accounts from $5,000 to $300,000, scalable to $2 million, with profit splits up to 90%. Traders can access forex, indices, commodities, metals, and cryptocurrencies on the TradeLocker platform, partnered with a tier-1 liquidity provider for simulated real-market conditions. With over $168 million paid out in 2024 and a 4.1/5 Trustpilot rating from 4,108+ reviews, TopTier Trader is praised for its flexible challenges and supportive community, though has and strict consistency rules.
TopTier Trader Best suited for:
- Beginners: Affordable challenges starting at $59 with customizable add-ons.
- Experienced Traders: High capital access, up to 90% splits, and scaling to $2 million.
- Algo & Scalping Traders: Supports Expert Advisors (EAs) on two-phase accounts and news trading with add-ons.
Pros & Cons of TopTier Trader
Pros
High Profit Splits: Up to 90% (80% default), with 10%-20% challenge profit share.- Flexible Challenges: One-step and two-step evaluations with no time limits.
- Customizable Add-Ons: Increase splits to 90%, enable news trading, weekend holding, or EAs.
- Fast Payouts: Bi-weekly, processed in 24 hours, or $1,000 compensation if delayed.
- Scaling Plan: Accounts grow to $2 million with 10% average profit over 2 of 3 months.
- TopTier Academy: Free educational platform with basics, psychology, and strategy
- graduates receive a $5,000 challenge coupon.:
Cons
Weekend trading not available on most accounts:- Payout timelines may vary based on verification speed:
How Does TopTier Trader Work? (Step-by-Step Guide)
- Select Account & Challenge: Choose one-step or two-step evaluation ($5,000-$300,000).
- Pass Evaluation: Meet profit targets (5%-10% per phase) with 4 minimum trading days.
- Get Funded: Trade a funded demo account with real profit potential.
- Earn Profits: Receive 80%-90% profit splits, paid bi-weekly after a 14-day initial period.
TopTier Trader Account Types & Funding Options
- Account Sizes: $5,000, $10,000, $25,000, $50,000, $100,000, $200,000, $300,000, scalable to $2 million. Funding Models: Two-Step Challenge: 10% (Phase 1) + 5% (Phase 2), 5% daily/10% max drawdown, $59-$1,649 fee. One-Step Challenge: 8% profit target, 3% daily/8% max drawdown, $65-$2,051 fee. Profit Splits: 80% default, up to 90% with add-on
- 10%-20% challenge profit share. Fees: $59-$2,051, refunded with first payout.
Profit Targets & Payouts
- Profit Targets: 5%-10% per phase for two-step
- 8% for one-step.
- Payouts: Via bank transfer, credit/debit cards, or crypto (BTC, USDT), processed in 24 hours, bi-weekly after 14 days
- $1,000 compensation if delayed.
- Drawdown Limits: 3%-5% daily, 8%-10% overall (equity-based for Plus accounts).
- Comparison: TopTier’s 3%-5% daily drawdown is more flexible than FunderPro (5%), but its consistency rules (30%-50% best day cap) are stricter than FundedNext’s no-cap approach.
Leverage & Trading Conditions
- Leverage: Up to 1:100 (forex), 1:25 (gold/commodities), 1:10 (crypto)
- double leverage available with add-on.
- Lot Sizes: Flexible
- $7/lot commission for forex/metals, commission-free for commodities/indices/crypto.
Allowed & Restricted Trading Strategies
Allowed Trading Strategies
- Scalping
- swing trading, hedging
- news trading (with add-on for funded accounts)
- Expert Advisors (EAs on two-phase accounts)
- weekend holding (Swing/Plus accounts with add-on).
Restricted Trading Strategies
- High-frequency trading (HFT)
- tick scalping
- arbitrage
- group hedging
- account rolling/churning
- cross-account copy trading
- exploiting platform errors.
How Long Does It Take to Get Funded by TopTier Trader?
- Challenge Duration: Unlimited, with 4 minimum trading days per phase.
- Evaluation Speed: One-step can take days
- two-step may take 1-2 weeks.
- User Experiences: Fast funding (24-48 hours post-KYC), but some report denials for consistency or technical breaches.
How Long Has TopTier Trader Been Around?
Operating since October 2021, TopTier Trader has paid out over $168 million, with a record single payout of $29,191.10 in 2024. Its 4.1/5 Trustpilot score and presence in 108+ countries reflect growth, but a relatively short history compared to others like FTMO (2014) suggest caution.
Who Owns TopTier Trader? (Founder & Company Background)
Founders: Anthony Williams (Anthony’s World), Cue Banks, managed by CEO Jamal Hollingsworth. Headquarters: Miami, Florida (547 NW 28th St, 33127). Mission & Vision: Fund skilled traders with simulated capital, fostering profitability through a supportive environment. Regulatory Status: Unregulated prop firm, partners with tier-1 liquidity providers.
What Can You Trade with TopTier Trader? (Supported Markets & Assets)
Markets: Forex (e.g., EUR/USD, GBP/JPY), indices, commodities, metals (gold, silver), cryptocurrencies (BTC, ETH). Assets: Over 50 instruments, with high trading volume on GBP/JPY (39,286 lots) and XAU/USD (23,057 lots). Restrictions: No weekend crypto trading, bans on HFT, tick scalping, and arbitrage.
Does TopTier Trader Offer Education & Trader Support? (Learning Resources & Coaching)
TopTier Academy offers free courses on trading basics, psychology, and strategy, graduates receive a $5,000 challenge coupon. Trader Development: Well-structured dashboard with real-time analytics for risk and performance tracking. Coaching Programs: Limited, relies on Academy and community resources. Community & Networking: Active Discord with a “payout proof” section and weekly market analysis sessions.
How Good is TopTier Trader’s Customer Support? (Response Time & Availability)
Support Channels: Live chat, email, phone, Discord. Response Times: Typically within minutes, with agents praised for efficiency, some delays in payout disputes. Operating Hours: 24/7 for live chat and Discord. Trader Feedback: Positive for quick KYC and funding support, negative for payout issues and inconsistent rule enforcement.
Is TopTier Trader a Scam or a Legit Prop Firm?
TopTier Trader is legitimate, verified by US registration (TopTier Trader LLC), a 4.1/5 Trustpilot rating from 4,108+ reviews, and over $168 million in payouts. Its partnerships with tier-1 liquidity providers, refundable fees, and TopTier Academy enhance credibility. However, concerns include payout issues for “inconsistent trading” or technical breaches (e.g., tick scalping, IP issues), strict consistency rules (30%-50% best day cap), and its unregulated status. Trustpilot and X feedback (@toptiertrader) highlight fast payouts (e.g., 24 hours).
Alternatives to TopTier Trader – How It Compares
- FTMO: Higher trust score (4.9/5), 90% split, two-step evaluation, accepts US traders, more education. FundedNext: 95% split, MT4/MT5/cTrader, scaling to $4 million, fewer consistency rules. The 5%ers: Up to 100% split, no crypto, excludes US traders, robust education.
Final Verdict – Should You Trade with TopTier Trader?
TopTier Trader is a strong choice for traders seeking high profit splits (up to 90%), flexible one- or two-step challenges, and diverse markets (forex, crypto), with scaling to $2 million and a free TopTier Academy. Its low fees ($59+), refundable with first payout, and fast payouts (24 hours or $1,000 compensation) appeal to beginners and pros, while EA support and news trading add-ons suit algo traders. However, its unregulated status, short history since 2021 raise concerns compared to FTMO or FundedNext. US traders face potential restrictions. Start with smaller accounts, and monitor X feedback ( @toptiertrader ) before joining in 2025, balancing its innovative features against risks.
