Challenge Comparison Tool

Select up to 3 firms to compare their challenges, rules, and pricing side by side.

Instant Funding Instant Funding
Top One Trader Top One Trader
Instant Funding 5.9 Get Started
Top One Trader 8.0 Get Started
Overview
Asset Type CFD CFD
Country United Kingdom United States
Established - Sep 2023
Technology Proprietary White-Label
Platforms cTrader, Match Trader, MT5 cTrader, Match Trader, MT5, TradeLocker
Trading Rules
Profit Split Up to 90% Best 80% standard, up to 90% (up to 100% on Instant PRIME)
Daily Drawdown Smart Drawdown: -10% initial, adjusts to -5% after 5% gain (IF accounts); Static 8-10% (challenges) 4-5% (4% on 2-Step Plus, 5% on 1-Step Flash; EquityShield 2%/2.5% on Instant)
Payout Frequency Every 7 Days (14-day initial wait)
First payout requires 14 Days 		Bi-weekly (14 days), 7-day upgrade add-on available
Direct Path to Funded ✗ No ✗ No
Reviews & Reputation
Review Count 0 reviews 0 reviews
Avg. Rating No ratings yet No ratings yet
Pros & Cons
Main Benefits
  • Responsive support, Fast payouts & Instant Funding
  • Fast payouts (1-2 hours average per firm marketing and TrustPilot reviews); No time limits on evaluations; Challenge fee refunded on first funded payout; Up to 100% profit split via Instant PRIME upgrade; Scaling plan up to $5 million; Four trading platforms (MT5, cTrader, Match-Trader, TradeLocker); Public, US-registered leadership team
Main Drawbacks
  • Sometimes high Spread
  • 2% processing fee on all payouts; Weekend holding not permitted; EAs/algo trading restricted on funded accounts; Consistency rule tightens to 30% on funded stage; Stop-loss mandatory on every trade (paid add-on to remove); EquityShield risk caps on Instant Funding and Instant PRIME
Offers & Promo Codes
Active Offers
10% off all Instant Funding accounts Funding10
SUMMER: 40-60% off all challenge accounts (varies by size). Active promo as of 2026-06-08. SUMMER

Challenge Details

Instant Funding Challenges

29 challenges
Price Account Size Step Profit Target Max Daily Loss Max Drawdown Profit Split Activation Fee
$39
One-Phase Micro 		$10K 1 Step P1: $700 (7%)
 P1: $400 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $700 (7% Static)
 80% None
$39
Two-Phase Micro 		$5K 2 Steps P1: $400 (8%)
P2: $200 (4%)
 P1: $200 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P2: $200 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $500 (10% Static)
P2: $500 (10% Static)
 80% None
$49
Two-Phase Micro 		$10K 2 Steps P1: $800 (8%)
P2: $400 (4%)
 P1: $400 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P2: $400 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $1,000 (10% Static)
P2: $1,000 (10% Static)
 80% None
$49 $5K 1 Step P1: $500 (10%)
 P1: $150 (3% Dynamic)
3% of account value, recalculated daily at 17:00 EST
P1: $400 (8% Static)
 80% None
$63
Two-Phase 		$10K 2 Steps P1: $800 (8%)
P2: $500 (5%)
 P1: $500 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P2: $500 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P1: $1,000 (10% Static)
P2: $1,000 (10% Static)
 80% None
$64
One-Phase Micro 		$25K 1 Step P1: $1,750 (7%)
 P1: $1,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $1,750 (7% Static)
 80% None
$79 $1.25K Instant P1: -
 P1: -
No daily drawdown limit
P1: $125 (10% Static)
 80% None
$94
One-Phase 		$10K 1 Step P1: $1,000 (10%)
 P1: $300 (3% Dynamic)
3% of account value, recalculated daily at 17:00 EST
P1: $800 (8% Static)
 80% None
$104
Two-Phase Micro 		$25K 2 Steps P1: $2,000 (8%)
P2: $1,000 (4%)
 P1: $1,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P2: $1,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $2,500 (10% Static)
P2: $2,500 (10% Static)
 80% None
$114
One-Phase Micro 		$50K 1 Step P1: $3,500 (7%)
 P1: $2,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $3,500 (7% Static)
 80% None
$120 $2.5K Instant P1: -
 P1: -
No daily drawdown limit
P1: $250 (10% Static)
 80% None
$149
Two-Phase 		$25K 2 Steps P1: $2,000 (8%)
P2: $1,250 (5%)
 P1: $1,250 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P2: $1,250 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P1: $2,500 (10% Static)
P2: $2,500 (10% Static)
 80% None
$199
One-Phase 		$25K 1 Step P1: $2,500 (10%)
 P1: $750 (3% Dynamic)
3% of account value, recalculated daily at 17:00 EST
P1: $2,000 (8% Static)
 80% None
$214
Two-Phase Micro 		$50K 2 Steps P1: $4,000 (8%)
P2: $2,000 (4%)
 P1: $2,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P2: $2,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $5,000 (10% Static)
P2: $5,000 (10% Static)
 80% None
$219
One-Phase Micro 		$100K 1 Step P1: $7,000 (7%)
 P1: $4,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $7,000 (7% Static)
 80% None
$225 $5K Instant P1: -
 P1: -
No daily drawdown limit
P1: $500 (10% Static)
 80% None
$254
Two-Phase 		$50K 2 Steps P1: $4,000 (8%)
P2: $2,500 (5%)
 P1: $2,500 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P2: $2,500 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P1: $5,000 (10% Static)
P2: $5,000 (10% Static)
 80% None
$329
One-Phase 		$50K 1 Step P1: $5,000 (10%)
 P1: $1,500 (3% Dynamic)
3% of account value, recalculated daily at 17:00 EST
P1: $4,000 (8% Static)
 80% None
$399
One-Phase Micro 		$200K 1 Step P1: $14,000 (7%)
 P1: $8,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $14,000 (7% Static)
 80% None
$419
Two-Phase Micro 		$100K 2 Steps P1: $8,000 (8%)
P2: $4,000 (4%)
 P1: $4,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P2: $4,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $10,000 (10% Static)
P2: $10,000 (10% Static)
 80% None
$439
Two-Phase 		$100K 2 Steps P1: $8,000 (8%)
P2: $5,000 (5%)
 P1: $5,000 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P2: $5,000 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P1: $10,000 (10% Static)
P2: $10,000 (10% Static)
 80% None
$440 $10K Instant P1: -
 P1: -
No daily drawdown limit
P1: $1,000 (10% Static)
 80% None
$599
One-Phase 		$100K 1 Step P1: $10,000 (10%)
 P1: $3,000 (3% Dynamic)
3% of account value, recalculated daily at 17:00 EST
P1: $8,000 (8% Static)
 80% None
$870 $20K Instant P1: -
 P1: -
No daily drawdown limit
P1: $2,000 (10% Static)
 80% None
$899
Two-Phase Micro 		$200K 2 Steps P1: $16,000 (8%)
P2: $8,000 (4%)
 P1: $8,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P2: $8,000 (4% Dynamic)
4% of account value, recalculated daily at 17:00 EST
P1: $20,000 (10% Static)
P2: $20,000 (10% Static)
 80% None
$999
Two-Phase 		$200K 2 Steps P1: $16,000 (8%)
P2: $10,000 (5%)
 P1: $10,000 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P2: $10,000 (5% Dynamic)
5% of account value, recalculated daily at 17:00 EST
P1: $20,000 (10% Static)
P2: $20,000 (10% Static)
 80% None
$1199
One-Phase 		$200K 1 Step P1: $20,000 (10%)
 P1: $6,000 (3% Dynamic)
3% of account value, recalculated daily at 17:00 EST
P1: $16,000 (8% Static)
 80% None
$1735 $40K Instant P1: -
 P1: -
No daily drawdown limit
P1: $4,000 (10% Static)
 80% None
$3460 $80K Instant P1: -
 P1: -
No daily drawdown limit
P1: $8,000 (10% Static)
 80% None

Top One Trader Challenges

12 challenges
Price Account Size Step Profit Target Max Daily Loss Max Drawdown Profit Split Activation Fee
$39 $16 $5K 2 Steps P1: 10%
P2: 5%
 P1: 4%
P2: 4%
P1: 8-10% static
P2: 8-10% static
 up to 90% None
$94 $38 $5K Instant P1: -
 P1: 2.5%
P1: 5% trailing
 up to 100% None
$162 $65 $10K 2 Steps P1: 10%
P2: 5%
 P1: 4%
P2: 4%
P1: 8-10% static
P2: 8-10% static
 up to 90% None
$158 $79 $10K Instant P1: -
 P1: 2.5%
P1: 5% trailing
 up to 100% None
$209 $105 $25K 2 Steps P1: 10%
P2: 5%
 P1: 4%
P2: 4%
P1: 8-10% static
P2: 8-10% static
 up to 90% None
$296 $148 $25K Instant P1: -
 P1: 2.5%
P1: 5% trailing
 up to 100% None
$410 $205 $50K Instant P1: -
 P1: 2.5%
P1: 5% trailing
 up to 100% None
$435 $218 $50K 2 Steps P1: 10%
P2: 5%
 P1: 4%
P2: 4%
P1: 8-10% static
P2: 8-10% static
 up to 90% None
$541 $325 $100K 2 Steps P1: 10%
P2: 5%
 P1: 4%
P2: 4%
P1: 8-10% static
P2: 8-10% static
 up to 90% None
$798 $479 $100K Instant P1: -
 P1: 2.5%
P1: 5% trailing
 up to 100% None
$1776 $1065 $200K Instant P1: -
 P1: 2.5%
P1: 5% trailing
 up to 100% None
$2537 $1522 $200K Instant P1: -
 P1: 3%
P1: 6% trailing
 up to 90% None
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