TopTier Trader

In Summary

TopTier Trader continues to stand out as one of the most dynamic and trader-focused firms in the prop trading space. With flexible challenge models, fast payouts, customizable add-ons, and strong community support, it caters to both new and advanced traders. While some features require paid upgrades and only one trading platform is supported, these are outweighed by the platform’s transparency, scalability, and innovation. If you’re serious about funding your skills and growing as a trader, TopTier offers a clear, structured path forward.

Introducing TopTier Trader (2025 Update)

If you’re a trader searching for capital, flexibility, and a firm that actually supports your growth, TopTier Trader might be exactly what you need. Whether you’re just getting started or already experienced, TopTier offers a structured yet customizable path to get funded and scale up — without the complicated fine print.

Founded in 2021 and headquartered in Miami, Florida, TopTier Trader has quickly built a solid reputation in the proprietary trading space. With a Trustpilot score of 4.6/5, a growing global community, and public payout transparency, the firm is now trusted by 8,500+ traders worldwide.

A Prop Firm Built by Traders, for Traders

TopTier Trader is more than just another evaluation firm — it was created by real traders like Cue Banks and Anthony Williams, who understand the challenges of modern-day trading. The firm’s mission is clear: fund talent, reward skill, and eliminate unnecessary roadblocks. Whether you’re a swing trader, scalper, or algo user, TopTier aims to give you the tools and environment you need to succeed.

Evaluation, Your Way

TopTier offers two evaluation models:

• One Phase Challenge: hit a 10% profit target in one step, with no time limit.

• Two Phase Challenge: complete two stages (10% → 5%), with no time pressure and optional add-ons.

The Flex and Pro versions of the two-phase model allow for deeper customization — including enabling Expert Advisors (EAs), news/event trading, weekend holding, and higher profit splits via add-ons.

Funding and Payouts

Traders can access funding from $5,000 up to $300,000, with scaling plans that reach $2 million. Funded traders receive up to 90% profit split, and even 100% for the first $10K profit in futures trading.
Payouts can be requested as early as 10 days after getting funded, and every 5 days thereafter — or even within 24 hours, backed by a $1,000 late-payment guarantee.

Platform: TradeLocker

TopTier Trader exclusively uses TradeLocker, a modern trading platform that offers:

• Real-time market data & news

• Advanced charting tools

• Custom indicators and analytics

• Drag-and-drop strategy building

• Full trade history & performance breakdowns

TradeLocker is browser-based, clean, and optimized for all devices — making it easy to trade anywhere, anytime.

Education & Support

TopTier believes that the best traders are built, not just found. That’s why they offer:

• The TopTier Masterclass

• Weekly webinars & tutorials

• A smart Trader Quiz to match you to the right challenge type and avatar

• And 24/7 live support through email and Discord

Built for Scalability, Backed by Trust

With no minimum trading days on Pro accounts, no time restrictions, and rules that are clearly explained upfront, TopTier Trader creates a low-friction experience for serious traders. They also publicly display payout certificates to promote transparency and fairness.

And if you’re looking for something different, their standalone product “Levels” offers a gamified way to trade and get paid — using pip-based targets rather than dollar-based profit. (More on that in a separate section.)

Getting Started with TopTier Trader: A Step-by-Step Guide (2025)

Ready to get funded and start trading with TopTier Trader? Here’s a simplified guide to walk you through the process — from signup to scaling up.

Step 1: Sign Up and Pick Your Challenge

Go to the TopTier Trader website, create your account, and choose the evaluation that fits your style:

• One Phase Challenge (10% target, one step)

• Two Phase Challenge (Flex or Pro) with 10% + 5% targets

Not sure which to choose? Take the Trader Quiz — it’ll recommend the best path based on your trading habits, experience, and goals.

Step 2: Customize with Add-ons (Optional)

Before checkout, you can enhance your challenge with Add-ons like:

• Weekend Trading

• News Trading

• Expert Advisor (EA) Access

• Higher Leverage

• Faster Payouts or Profit Boosters

This way, you’re only paying for the features you actually want.

Step 3: Access the TradeLocker Platform

Once your account is active, you’ll receive login details to TradeLocker, a modern, browser-based platform. No download needed — just log in and start trading with:

• Real-time charts

• Multi-timeframe analysis

• Instant order execution

Step 4: Set Up Your Workspace

TradeLocker lets you fully customize your trading layout — add indicators, rename assets (like changing GBP/USD to “Bread & Butter”), or switch between light/dark mode for comfort.

Step 5: Start Trading and Hit Your Targets

Follow the trading rules, meet your profit target, and avoid daily or overall drawdown limits. There’s no time limit, and Pro accounts have no minimum trading days, so you can go at your own pace.

Step 6: Get Funded and Scale Up

Once you pass your challenge, you’ll receive a simulated funded account with up to $300,000 in capital and a profit split of up to 90%. You can then scale up to $2 million based on your performance.

Bonus: Withdraw Your Profits Easily

After getting funded, you can request your first payout in 10 days, and every 5 days after that — or even within 24 hours if you’ve enabled express payout (with a $1,000 guarantee if delayed).

Funding Program Options at TopTier Trader (Updated 2025)

TopTier Trader offers three flexible challenge types—One Phase, Two Phase Flex, and Two Phase Pro—with account sizes ranging from $5,000 to $300,000 and the opportunity to scale up to $2 million. Each challenge comes with transparent rules, optional add-ons, and payout terms tailored for both new and experienced traders.

Account Sizes Available

You can choose from the following funding tiers:

• $5,000

• $10,000

• $25,000

• $50,000

• $100,000

• $200,000

• $300,000

The rules scale proportionally based on the account size.

One Phase Challenge

A simple, fast-track evaluation. Just hit one target (10%) and get funded. Comes with:

• 3 minimum trading days

• Leverage up to 1:60

• Max drawdown: 6%, daily: 3%

• Weekend and news trading allowed

• Profit split: Up to 90% (with Add-on)

• Funded traders get no time limit, no consistency rule

Two Phase Challenge (Flex)

TopTier’s classic evaluation format with unlimited time to pass each phase:

• Phase 1 target: 10%, Phase 2: 5%

• 3 minimum trading days per phase

• Max drawdown: 10%, daily: 5%

• Profit split: 80% (funded stage)

• News, weekend trading allowed

• Payouts every 5 days, starting 10 days after funding

• 2% daily profit cap

Two Phase Challenge (Pro)

Designed for advanced traders who want more flexibility and faster growth:

• Lower Phase 1 target: 8%, Phase 2: 5%

• No minimum trading days

• Leverage up to 1:100

• Payout Express available (24 hours with add-on)

• Profit Booster: raise your split from 80% to 90%

• Add-ons available for EA use, copy trading, news & weekend trading

Add-Ons (Optional Features)

Add-ons can be purchased before checkout to customize your challenge:

Tradable Assets

TopTier Trader supports a diverse selection of instruments across multiple markets:

• Forex: Major, minor, and exotic pairs

• Commodities: Gold, oil, and more

• Indices: S&P 500, NASDAQ, Dow Jones, DAX, etc.

• Cryptocurrencies: BTC, ETH, LTC, and other major coins

• Futures: Available through a separate program, with 100% payout on the first $10,000 in profits

This broad asset coverage allows traders to build versatile, risk-adjusted strategies across global markets.

Restrictions

TopTier Trader provides an edge by offering minimal restrictions during evaluations and funded stages. There are:

• No time limits (except for Levels)

• No mandatory consistency rules (except One Phase funded stage: 50%)

• No weekend/news trading bans if Add-ons are active

However, prohibited strategies do apply (e.g., tick scalping, grid trading, latency arbitrage, copy trading across different identities). Violations may result in disqualification or loss of payout eligibility.

Payouts & Scaling

• First payout: 10 days after funding

• Next payouts: Every 5 days

• Express payout: Within 24 hours (Pro Add-on)

• Scaling plan: Grow up to $2,000,000 account with strong performance

TopTier Levels: Trade Without Limits, Get Paid in Pips

Levels is a unique trading program by TopTier Trader that offers a gamified, pip-based alternative to traditional funded challenges. Instead of focusing on account balance, profit percentages, or dollar value, you level up by banking pips — and get paid real cash rewards as you progress.

It’s simple, intuitive, and removes much of the pressure tied to traditional prop firm metrics.

How It Works

At each level, you define:

• Your pip target to level up (e.g., 20 pips)

• Your pip risk to level down (e.g., 10 pips)

If you hit your target without losing more than the risk limit, you move up. If you don’t, you lose a “life” and potentially drop a level.

You have 3 lives, and the goal is to reach Level 10. You can customize your pip targets at each level — making it perfect for scalpers, swing traders, and everyone in between.

Payouts by Level

You earn cash rewards as you reach higher levels:

The higher your starting plan, the bigger your payouts — but the mechanics stay the same.

Why Levels is Different

• No max drawdown

• No time limit

• No commissions or swaps

• No lot size rules

• No account balance tracking

• No EA bans (within rules)

• No stress of profit targets or phase deadlines

You focus only on your edge — executing clean trades, banking pips, and climbing levels.

What You Trade With

• Platform: TradeLocker

• Assets: Forex pairs (customizable labels, real-time TradingView charting)

• Timeframes: Fully flexible — use your strategy

You can rename instruments, switch to dark/light mode, and track all your closed trades via the platform’s history tab.

Who Is It For?

TopTier Levels is great for:

• Traders who dislike pressure from targets and timers

• Scalpers who thrive on short bursts of precision

• Beginners who want a fairer environment to build consistency

• Funded traders who want a side challenge with real payouts

Things to Note

• If you lose all 3 lives, your challenge ends.

• This is a separate product from funded challenges — you don’t get a “funded account,” but real cash rewards as you advance.

• It’s pip-focused, not dollar-based. This removes emotional bias and keeps risk management simple.

TopTier Trader: The Ultimate Guide for Aspiring Traders (2025)

Whether you’re just starting out or already experienced in the markets, TopTier Trader offers a clear path to grow your skills, secure funding, and trade with confidence. With a variety of challenges, add-ons, and trading tools, the platform is built to adapt to your needs—not the other way around.

Here are a few tips to make the most of what TopTier Trader has to offer:

Start with a Challenge That Fits You

If you’re new, consider the One Phase Challenge for its simplicity. More experienced traders can explore the Flex or Pro challenges for greater flexibility, higher capital, and faster payouts.

Not sure where to start? Try the Trader Quiz—it matches you with the right challenge based on your trading goals, style, and preferences.

Make Use of Educational Resources

TopTier provides a rich library of content through:

• TopTier Masterclass

• Live webinars and tutorials

• The Trader Quiz

• Active Discord community for support and tips

Use these to refine your strategy, understand platform tools, and stay ahead of the market.

Leverage Add-Ons Strategically

Don’t just trade—trade your way. TopTier’s add-ons allow you to:

• Enable EA/copy trading

• Unlock news & weekend trading

• Boost profit split to 90%

• Speed up payouts to 24 hours

Only pay for what you need, and fine-tune the challenge to match your edge.

Backtest & Stay Disciplined

Take advantage of TradeLocker’s built-in analytics and trade history to track performance. Backtest your strategies before going live, and follow risk rules—especially drawdown limits and profit targets—to avoid violations.

What Sets TopTier Apart from Other Prop Firms?

Generous Funding & Scaling

• Start with funding up to $300,000

• Scale up to $2,000,000 with consistent results

• First $10K in Futures profits is 100% yours

Customizable Evaluation Process

• Choose between One Phase or Two Phase (Flex & Pro)

• No time limits or minimum trading days (in Pro)

• Real-time platform: TradeLocker, not MT4/MT5

Flexible Features

• Multiple Add-ons

• Daily profit caps to promote consistent growth

• 24/7 support and fast, fair payouts

Deposit & Withdrawal Options

TopTier Trader supports secure payments via:

• Cryptocurrency

• Credit/Debit Cards

All transactions are processed via Rise, supporting 15+ payout options.

Conclusion: Why Traders Choose TopTier

TopTier Trader stands out for its:

• Transparent rules & fast payout cycles

• Strong reputation (4.6/5 on Trustpilot)

• Diverse instrument access: Forex, Indices, Crypto, Commodities, Futures

• Low-pressure environment with no trading time limits

Whether you’re looking to get funded fast or grow your trading career long-term, TopTier offers the tools, support, and flexibility to make it happen.

Ready to Get Started?

Unlock your potential with TopTier Trader! Use the exclusive: SPF discount code to enjoy up to 20% off and kickstart your trading journey today. Don’t wait—join TopTier Trader now and elevate your trading game to new heights!