Learn more about TU’s methodology
- $225
- MetaTrader4
- Different types of accounts and balance options
- refundable initial fee
- trader’s split is 80%-90% of the net profit
- scaling balance
- profitable referral program
- Up to 1:100
Our Evaluation of TopTier Trader
Learn more about TU’s methodology
TopTier Trader is a prop trading firm with higher-than-average risk and the TU Overall Score of 4.21 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by TopTier Trader clients on our website, Traders Union expert Anton Kharitonov recommends users to consider a more reliable partner with better conditions, as, according to reviews, many clients of this firm are not satisfied with the company’s work.
TopTier Trader provides conditions much more profitable than many of its competitors. It has a refundable initial fee, an adequate challenge, and many types of accounts with different balance options. A trader has the opportunity to receive up to $300,000 at the start. There are almost no restrictions for the trading process; you can trade any number of days within a cycle, trade news, and hold positions. But advisors are prohibited. It is also important that the firm’s partner cannot obtain additional funding on a Regular account. Yet, traders keep 80% of the profit, and the split increases to 90% subject to successful trading within several months. These are really profitable and competitive conditions.
How we tested TopTier Trader
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at TopTier Trader
The TopTier Trader proprietary (prop) firm provides a wide choice of accounts with a balance ranging from $25,000 to $300,000 for trading on MetaTrader 4 (MT4). To get an account, traders need to register and pay an initial fee, which ranges from $255 to $1,399. After that, traders go through a two-level challenge that can last from 40 to 70 days. During the challenge, they trade on a demo account and need to achieve a target profit of 5%, 8%, or 10%. The maximum total and daily drawdowns, as well as the minimum number of trading days, are important. Depending on the type of trading instrument used, traders can have leverage up to 1:100. If the challenge is completed successfully, a partner of the prop firm gets an account with the requested balance. The initial fee is refundable. Initially, traders get 80% of the net profit, then the split is 90%. There is no target profit, it is the drawdown that matters. TopTier Trader offers a profitable affiliate program that allows traders to earn up to 20% of the initial fee of the invited referral.
- There are three account groups, each with four balance options for traders with different trading styles, experience, and ambitions;
- The only restriction for the firm’s partners is the forbidden use of advisors;
- Traders get 80% of the net profit from the first day of trading on a live account and 90% of the profit for further successful and steady trading;
- A large choice of trading instruments, such as currency pairs, cryptocurrencies, indices, and commodities is offered;
- The drawdown conditions are loyal. The maximum daily drawdown is up to 5%, the maximum total drawdown is up to 10%;
- Trading is carried out on the most popular trading platform, MetaTrader 4, which has a mobile version;
- Technical support is provided via a call center, live chat on the website, email, and Discord;
- The challenge is quite simple; to complete it successfully you do not need to have exceptional trading experience.
- There is no balance scaling on Regular accounts, that is, if traders choose an account with a balance of $100,000, they cannot increase it with additional funding;
- Although MetaTrader 4 is convenient and popular, many traders are used to working with other platforms. TopTier Trader does not support them;
- The prop firm regularly holds contests between its partners, however, traders with little experience cannot count on a prize because of the high competition with professionals.
TU Expert Verdict
Chief Analytics Officer
TopTier Trader is a proprietary trading firm that offers two-phase evaluation challenges for funded trading accounts, with account balance options from $25,000 up to $300,000 and a refundable initial fee starting at $255. Traders complete a demo trading challenge with profit targets between 5% and 10% and, upon success, receive live accounts to trade Forex, cryptocurrencies, indices, and commodities on MetaTrader 4 with leverage up to 1:100. Extended accounts provide balance scaling every three months for consistently profitable traders, and profit splits start at 80% and increase to 90% with sustained performance. Technical support operates 24/7 via phone, live chat, email, and Discord.
Drawbacks include the lack of support for platforms other than MetaTrader 4, no scaling for Regular and Swing accounts, and high competitiveness in company contests, making prizes difficult for less-experienced traders to earn. TopTier Trader may not be suitable for those needing instant funding, more platform choice, or easier withdrawal terms, but it can suit skilled traders focused on high funding potential and flexible challenge rules.
TopTier Trader Summary
Your capital is at risk. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. A high percentage of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
| 💻 Trading platform: | MetaTrader 4 |
|---|---|
| 📊 Accounts: | Regular, Swing, and Extended (with scaling) |
| 💰 Account currency: | USD |
| 💵 Deposit / Withdrawal: | Bank transfers, bank cards, e-wallets, and crypto wallets |
| 🚀 Minimum deposit: | $255 |
| ⚖️ Leverage: | Up to 1:100 |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | No |
| 💱 EUR/USD spread: | No |
| 🔧 Instruments: | Currency pairs, cryptocurrencies, indices, and commodities |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | Yes |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | Yes |
| 📋 Order execution: | No |
| ⭐ Trading features: | Different types of accounts and balance options; refundable initial fee; trader’s split is 80%-90% of the net profit; scaling balance;profitable referral program |
| 🎁 Contests and bonuses: | Yes |
The initial fee depends on the account and balance selected. The maximum initial fee is $1,399 for a Plus account (with scaling) and a balance of $300,000. Swing accounts are only regular, without scaling. The fee is refunded upon successful completion of the challenge. The platform does not charge fees to its partners; it only keeps 20% of the profit (or 10% if a trader has been trading successfully for a long time). The leverage is determined by the group of assets that a partner uses. The highest leverage is available for currency pairs, it is 1:100. Using leverage increases the risk, but at the same time, it allows you to earn many times more. In terms of technical support, among all prop firms, TopTier Trader's support is considered one of the best. Specialists work without breaks and days off, a firm’s partner can contact them by phone, live chat, or use email. Additionally, the firm has a community on Discord.
TopTier Trader Key Parameters Evaluation
Challenge rules and pricing
TopTier Trader provides access to funding up to $2 000 000, with challenges requiring at a minimum of 4 trading days. The entry-level plan starts at $65, min but the fee is non-refundable.
- High funding potential — up to $2 000 000
- Multiple scaling options
- Flexible trading rules and conditions
- Minimum trading period required
- No free evaluation option
TopTier Trader Challenge fees and plans
We compared TopTier Trader’s challenge plans by key parameters including pricing, profit targets, loss limits, and managed capital.
Available Trading Plans
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What’s the minimum trading period for TopTier Trader’s challenge?
A minimum of 4 trading days is required, regardless of how quickly you reach the profit target.
Does TopTier Trader offer a free evaluation?
No, TopTier Trader does not offer a free evaluation option. If you’re looking for firms that do provide this feature, you may consider exploring other companies that support free challenge models, such as: Funded Trading Plus, Plutus Trade Base, FTUK.
Is instant funding available at TopTier Trader?
No, TopTier Trader does not offer instant funding. If this option is important to you, consider exploring other firms that provide instant funding models, such as: GoatFundedTrader, Funded Trading Plus, Hola Prime.
Trading rules
TopTier Trader outlines the main rules for funded accounts, including a max. loss of 10% and a daily loss limit of 5%. The firm also restricts certain trading strategies, which are detailed below.
- Flexible max loss limit
- No weekend close rule
- Scalping allowed
- News trading not allowed
- Copy trading not allowed
TopTier Trader trading conditions
We compared TopTier Trader’s leverage and trading conditions with competitors to help you better understand how it measures up.
| TopTier Trader | GoatFundedTrader | SabioTrade | |
| Max. loss, % | 10 | 6 | 6 |
| Max. leverage | 1:100 | 1:100 | 1:30 |
| Weekend close rule | No | No | No |
| Mandatory Stop Loss | No | No | No |
| Trading bots (EAs) | Yes | Yes | Yes |
| News trading | No | Yes | Yes |
| Scalping | Yes | No | Yes |
| Copy trading | No | No | No |
Deposit and Withdrawal
TopTier Trader earned a Medium score based on how smoothly and conveniently traders can deposit and withdraw funds.
The deposit and withdrawal options at TopTier Trader meet most standard requirements and are in line with what many prop firms provide.
- USDT (Tether) supported
- Wise transfers supported
- Bitcoin (BTC) supported
- Weekly payouts
- No on-demand withdrawals
- Limited deposit and withdrawal options
- Payoneer not supported
Deposit and withdrawal options
To help you evaluate how TopTier Trader performs, we compared its deposit and withdrawal methods with those of two competing proprietary trading firms.
TopTier Trader Payment options vs Competitors
| TopTier Trader | GoatFundedTrader | SabioTrade | |
| Bank Card | Yes | Yes | Yes |
| Bank Wire | No | No | No |
| Crypto | Yes | Yes | Yes |
| PayPal | No | Yes | No |
| Wise | Yes | No | No |
| Payoneer | No | No | No |
| Skrill | No | No | No |
| Neteller | No | No | No |
Profit withdrawal frequency
We compared TopTier Trader with other prop firms based on how frequently traders can withdraw their profits: on demand, weekly, or monthly. Firms that allow more frequent payouts offer greater flexibility and quicker access to earnings.
| TopTier Trader | GoatFundedTrader | SabioTrade | |
| On demand | No | No | Yes |
| Weekly | Yes | No | No |
| Biweekly | No | Yes | No |
| Monthly | No | No | No |
What base account currencies are available?
TopTier Trader offers the following base account currencies:
Trading Account Opening
Go to the homepage of this prop trader’s website. In the upper right corner, click the "Login" button if you already have a user account. If you don't have it, click the "Register" button. You can also click "Get Funded".
On the right is the block with data for registration. Create a username and password, enter your email address. Then agree to the terms of service (tick the box) and click "Register".
Being in the main menu of the user account, go to "Account Details" and enter your first and last names. Then go to "Addresses". Add at least one billing and one shipping address. Select the payment methods in the corresponding paragraph. In each case, just follow the instructions on the screen.
Now go to "My Orders" and select the type of account that suits you best. After that, an application for payment will be generated and the method you specified will be automatically applied. Once the firm receives payment, you can start the challenge.
Services of TopTier Trader’s user account for traders:
In the My Orders section all the accounts you paid for are displayed, here you can always select a new account;
The Trading Dashboard section displays aggregated data on all your accounts, including the status of challenges;
In the Affiliate Dashboard section, information on referrals and bonuses that you received for them are indicated;
The Addresses section is needed to verify and confirm your payment information;
In the Payment Methods section, you can add and correct the methods for the withdrawal of profits;
In the Account Details section there are all your profile settings, including security settings;
The Logout section allows you to exit your user account. To log in again you will have to enter your registration data.
Is TopTier Trader Safe?
Prop firms do not bring their traders' positions to the interbank market, this is the work of brokers. Therefore, they do not need to have a special license, official registration is enough. TopTier Trader’s partner is Vital Markets. It has all the proper licenses, which can be found on its official website.
Advantages
- Clients can submit requests to the prop firm’s lawyers
- Traders can contact the broker’s support directly
Disadvantages
- No regional authorities which traders could apply
Markets and Tradable Assets
TopTier Trader has a score of 7/10, reflecting a strong variety of markets and assets available for trading.
- Indices available
- Crypto trading available
- Forex trading supported
- Stock trading not allowed
- Options not supported
Tradable markets
We compared the range of tradable instruments offered by TopTier Trader with two leading competitors to highlight the differences in market access.
| TopTier Trader | GoatFundedTrader | SabioTrade | |
| Futures | No | No | No |
| CFDs | Yes | Yes | Yes |
| Forex | Yes | Yes | Yes |
| Options | No | No | No |
| Stocks | No | No | No |
| Crypto | Yes | Yes | No |
| Indices | Yes | Yes | Yes |
Investment Options
Prop trading firms usually do not offer their partners dividend stocks, staking investments, and other investment solutions. The essence of proprietary trading is that traders receive a part of the firm’s capital at their disposal, and in return, they give the firm a share of their profits. This mechanism is designed for active trading. Sometimes a referral program is considered as a way of passive income. It allows the firm to stimulate the influx of new partners, and existing partners receive bonuses for inviting interested users. However, in reality, this is an active income, since in order to make a significant profit, you need to communicate a lot with colleagues on the internet, and, even better, have a popular blog.
If you are a large investor and plan on investments over $10,000, contact us at vip-invest@tradersunion.com or by the feedback form on our website. Our professional team will take you through all the intricacies of the deal and all the steps from signing up to withdrawal of profits.
TopTier Trader affiliate program:
Each partner of the firm receives a referral link. It can be placed on any platform without restrictions. Users who follow the link and register on the website of the prop firm become its referrals. When a referral pays the initial fee, the owner of the link receives 7.5% of this amount. If referrals fail the challenge or decide to open another account, they will pay the fee again, and the link owner will again receive profit, but it will be 5% of the amount this time. As soon as the total number of referrals becomes more than 25, the payouts from the initial fee will increase to 10%. If the number of referrals is 50 or more, the bonus will be 15%. And if a trader invites more than 100 new partners to the website, the payouts will be 20%. This is one of the most profitable referral programs offered by prop firms.
Customer Support
Technical support at TopTier Trader is highly rated. A partner of the firm can address the support via call center, live chat, or email. There is also a community on Discord, where managers and colleagues are always present.
Advantages
- Non-registered users can apply for technical support
- Managers are available 24/7
Disadvantages
- Responses via email are not prompt during rush hours
For technical support assistance, use the following contact options:
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call center;
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email;
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live chat and Discord.
The firm has profiles on Instagram, Twitter, and other social media where important news is published and traders can ask questions to managers.
Contacts
| Foundation date | 2021 |
|---|---|
| Registration address | Nicholas Castillo 8 The Green, Dover, DE 19901 |
| Official site | https://toptiertrader.com/ |
| Contacts |
888-396-8550
|
Education
Prop firms are interested in sponsoring experienced traders. After all, the more professional the partners are, the more the firms earn. And the more they earn, the higher is a firm's profit. Therefore, some firms present educational materials on their websites. TopTier Trader doesn't do that, the website only has standard FAQs and a blog.
There are materials on money management and trading psychology in the blog. In general, the prop firm relies on the fact that its partners are already good at trading.
Detailed review of TopTier Trader
Usually, traders try to choose firms that have been on the market a long time. However, in the case of TopTier Trader, this requirement need not be that strict, because the liquidity provider for the firm is Vital Markets, one of the leading brokers. In addition, the static and dynamic analysis of the prop firm shows that it operates 100% transparently and completely fulfills its obligations to its clients. TopTier Trader does not charge fees except for the initial fee and profit split (first it is 20%, then the split is 10%to the firm). The firm provides hundreds of trading instruments. The most popular of them is currency pairs that are traded with leverage of up to 1:100. This significantly increases the profit of the firm's partner.
TopTier Trader by the numbers:
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$150,000,000 of funding paid to partners of the firm;
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TopTier Trader is currently available in 108 countries;
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5,000,000 positions are opened per month;
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8 hours is the average time for the profit withdrawal upon the application;
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Trader’s profit split is 80%-90%.
TopTier Trader is a prop firm for trading currencies, cryptocurrencies, indices, and commodities
Many prop firms offer trading a definite group of instruments, most often these are currency pairs. Of course, it is more profitable for partners when there are as many groups and instruments as possible. First, it allows them to use convenient assets that they are used to and which fit into their proven strategy. Second, trading different instruments is a method of risk diversification. And a trader definitely wants to minimize risks, especially when trading with high leverage.
Useful services of TopTier Trader:
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Traders are offered three types of accounts and four balance options, which allows them to choose the most individualized account;
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The firm prohibits the use of advisors, but for the rest there are practically no restrictions on the implementation of the chosen trading strategy;
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Since TopTier Trader works with MetaTrader 4, partners of the prop firm have the opportunity to use the MT mobile application for convenience.
Advantages:
Partners of the prop firm need to care about only the drawdown, there are no unnecessary restrictions and prohibitions;
Traders can immediately get an account with a balance of $300,000 and trade at their own pace;
Extended accounts allow clients to scale their balance up to $2,000,000;
There is a mandatory target profit only during the challenge on a demo account;
The profit split for partners of the firm is 80% and if they trade successfully for a long time, this split increases to 90%.
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