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Top One Trader

8.0 B+
United States CFD
VS

Topstep

6.6 B+
United States Futures
Key Differences
Split 100% vs 90% Price $16 vs $49

Verdict: Who Wins?

Top One Trader 6 wins Decisive Win
6 - 1
Topstep 1 wins
Overall Rating 8.0 vs 6.6 Decisive
TrustPilot 4.5 vs 3.4 Decisive
Starting Price $16 vs $49 Decisive
Profit Split 80% standard, up to 90% (up to 100% on Instant PRIME) vs 90% Decisive
Safety Grade Both B+ Tie
Trust Score 71/100 vs 62.3/100 Clear
Challenge Variety 12 vs 3 options Decisive
Platform Choice 4 vs 1 platforms Clear

Best For:

Budget-conscious traders Top One Trader
Maximum profit potential Top One Trader
Trust & reputation Topstep
Fast payouts Top One Trader

Visual Comparison

Top One Trader Topstep

Head-to-Head Comparison

Top One Trader Metric Topstep
8.0/10 PFM Score 6.6/10
4.5/5 (3,141) TrustPilot 3.4/5 (13,955)
B+ Safety Grade B+
62.3 B Trust Score 71 B+
80% standard, up to 90% (up to 100% on Instant PRIME) Profit Split 90%
4-5% (4% on 2-Step Plus, 5% on 1-Step Flash; EquityShield 2%/2.5% on Instant) Daily Drawdown $2,000 for $50K accounts, $3,000 for $100K, $4,500 for $150K
Bi-weekly (14 days), 7-day upgrade add-on available Payout Frequency On-demand
$$16 Starting Price $49
White-Label Technology Proprietary
cTrader, Match Trader, MT5, TradeLocker Platforms Topstep X
No Direct Path to Funded Yes
United States Country United States
Sep 2023 Established Jan 2012
12 options Challenge Options 3 options

Price Comparison by Account Size

Cheapest challenge price at each account size (where both firms offer the same size)

Account Size Top One Trader Topstep Savings
$50K $205 $49 Save $156
$100K $325 $99 Save $226

Top One Trader vs Topstep: Detailed Analysis

Top One Trader and Topstep are both CFD firms. Topstep has been in business longer, established in 2012, while Top One Trader was founded in 2023.

In terms of pricing, Top One Trader is more affordable with challenges starting at $16, which is $33 less than Topstep's starting price of $49. Top One Trader offers 12 challenge options, while Topstep offers 3.

Top One Trader offers 80% standard, up to 90% (up to 100% on Instant PRIME) profit split, while Topstep offers 90%. Top One Trader pays out Bi-weekly (14 days), 7-day upgrade add-on available, and Topstep pays out On-demand.

For trust and reputation, Top One Trader has a 4.5/5 TrustPilot rating with 3,141 reviews, while Topstep has 3.4/5 with 13,955 reviews. Safety grades: Top One Trader B+, Topstep B+.

Overall, Top One Trader edges ahead winning 6 out of 7 categories we compared. However, the best choice depends on your specific needs - both firms have their strengths.

Pros & Cons

Top One Trader
Pros
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
Cons
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
Topstep
Pros
Aeropay to make payouts instant, 90% profit split
Cons
Max Loss Limit based on account size, monthly subscription billing

Active Deals & Promo Codes

Top One Trader
50% OFF SUMMER: 40-60% off all challenge accounts (varies by size). Active promo as of 2026-06-08.
Topstep
$20 off No Activation Fee Trading Combine (any size). Up to 5 uses per trader.

Frequently Asked Questions

Which is better, Top One Trader or Topstep?

Top One Trader scores higher overall, winning 6 out of 7 comparison categories including Overall Rating, TrustPilot, Starting Price. However, the best choice depends on your trading goals and priorities.

Which is cheaper, Top One Trader or Topstep?

Top One Trader has the lower starting price at $16. Top One Trader offers 12 challenge options starting from $16, while Topstep offers 3 options starting from $49.

Which has better reviews, Top One Trader or Topstep?

Top One Trader has a higher TrustPilot rating of 4.5/5. Top One Trader has 3,141 reviews while Topstep has 13,955.

Which offers a higher profit split, Top One Trader or Topstep?

Top One Trader offers a higher maximum profit split. Top One Trader offers 80% standard, up to 90% (up to 100% on Instant PRIME) while Topstep offers 90%.

How fast do Top One Trader and Topstep pay out?

Top One Trader has Bi-weekly (14 days), 7-day upgrade add-on available payouts while Topstep offers On-demand payouts. Payout speed can be an important factor when choosing a prop firm.