Toptier Trader Review

Welcome back—our TopTier Trader review takes a fresh look at this Delaware-based proprietary trading firm after eight months of updates. The company has scaled quickly and is now a popular prop choice for U.S. traders seeking funded accounts and a clear profit split.

TopTier Trader operates as a proprietary trading firm rather than a regulated retail broker, meaning it sets its own evaluation and funded-account rules instead of offering a standard brokerage account. In terms of reputation, the firm is generally viewed as processing payouts for traders who meet the rules, although payout experiences can vary and disputes typically center on rule interpretation and account compliance.

Because prop trading evolves fast, we break down the firm’s strengths and drawbacks, plus key trading rules and objectives, so you can judge the fit for your strategy. Let’s dive into the updated overview and see whether this prop firm matches what you need.

For execution, TopTier Trader typically offers accounts on MetaTrader 5 and TradeLocker, with availability sometimes varying by program or trader location.

Costs are mainly tied to the evaluation itself: you pay a one-time challenge fee that varies by account size and selected variant. Ongoing trading costs are based on the pricing environment (spreads and any applicable per-instrument commissions), rather than a separate “account maintenance” charge.

Here are the available funding paths and variants:

• TopTier Challenge: Evaluation Accounts — The primary evaluation route that can lead to a funded account after you meet the firm’s objectives.
• Regular Variant of the TopTier Challenge — Uses the standard ruleset designed for typical short-term trading conditions.
• Swing Variant of the TopTier Challenge — Permits holding positions overnight and offers more flexibility around scheduled news.
• TopTier Challenge Plus: Evaluation Accounts — An alternative evaluation route with different pricing and rule settings than the core challenge.

The Standard Challenge (regular) comes in six starting balances, letting you choose an account size that aligns with your risk management and trading style.

First Payout

Your initial payout is available 14 calendar days after placing the first position on the funded account. There are no minimum trading days or extra restrictions in this window. The profit split is 80% based on realized profits.

Withdrawals are typically requested through the trader dashboard, with common payout methods including bank transfer and cryptocurrency. After the initial 14-day window, payout availability is generally offered on a recurring schedule set by the firm’s rules for the funded account.

Scaling Plan

Grow the account by hitting at least 6% net gain over a rolling three-month period, with two of those three months profitable. Each step raises the balance by 25% of the original starting size, up to a $2,000,000 cap.

Trading Instruments

Tradable markets on the regular challenge include:

• Forex Pairs
• Commodities
• Indices
• Cryptocurrencies

The Swing Challenge also offers six account sizes and similar trading conditions.

First Payout

The first withdrawal window opens 14 calendar days after your first funded position. No minimum trading days or added restrictions apply. The profit split is 80% on profits.

Scaling Plan

The swing track uses the same growth model: achieve 6% or more over three months with two profitable months, then scale by 25% of the initial balance per step, up to $2,000,000.