Table of contents

TopTier In-Depth Review Is Here!

TopTier Introduction

TopTier is a company established in 2021 in the United States. It offers two-phase challenges with 7 account sizes, ranging from $5,000 to $300,000. Maximum sum of funds is $600,000 per customer. The platform offers a growth opportunity where traders can increase their funds every quarter, up to $2,000,000.

It enables trading in the forex market, commodities, indices, and cryptocurrencies. TopTier uses TradeLocker as liquidity provider. Customers can use the TradeLocker platform. The company accepts payments by credit/debit card and cryptocurrencies.

Customer support is available all week through email and live chat. TopTier is active on social media as Facebook, X, Instagram, Discord, YouTube, Telegram and TikTok. Customer reviews are generally positive – 4.4 on Trustpilot.

Company Profile


Location of Operations:

Top Tier Trader, LLC, 547 NW 28th St, Miami, FL 33127, United States

Company Info:

Date of Incorporation: 2021

Type: Financial Services

Restricted countries: Afghanistan, Belarus, Burma, Cote d’Ivoire (Ivory Coast), Cuba, Czech Republic, Democratic Republic of the Congo, Egypt, Germany, India, Iran, Iraq, Kenya, Lebanon, Libya, Mali, North Korea, Pakistan, Romania, Russia, Somalia, Sudan, Syria, Turkey, United Kingdom, Venezuela, Viet Nam, Yemen.

CEO of  TopTier: Dave Guttman is the Chief Executive Officer (CEO) of TopTier Trader. He is also an advisor to CryptoFi. In the past, he was Chief Revenue Officer at Coinflip, Chief Operating Officer at Imhealthytoday and President at First Stop Health.


Key Information

2-phase Challenge

Challenge nameTopTier Challenge
Challenge fee 100 000$$636
FX leverage1:50
EA tradingNo (available with Add-On)
News tradingNo (available with Add-On)
Weekend holdingNo (available with Add-On)

TopTier In Detail

Challenge type

TopTier Challenge

TopTier Trader currently offers a singular challenge model that consists of two phases for qualifying for a funded proprietary trading account. Investors have the option to trade exclusively in dollars across seven account sizes, with the maximum total funds available reaching $600,000.

Although TopTier Trader provides just one type of challenge, there are several add-ons available to enhance challenge flexibility. These add-ons include:

  • 14-Day Payout
  • Double Leverage
  • 90/10 Profit Split
  • Weekend Trading
  • News Trading
  • 8% Profit Target for the first phase
  • EA’s Allowed
  • No minimum Trading Days

The first phase requires achieving a 10% profit, while the second phase sets a profit target of 5%. Both phases share similar drawdown conditions: a daily drawdown limit of up to 5%, an overall drawdown limit of up to 10%, no restrictions on the maximum number of trading days, and a requirement of at least 4 minimum trading days.

The funded account phase does not set specific profit targets but maintains the same drawdown conditions as the qualifying phases. There are no restrictions on the maximum number of trading days, with a minimum requirement of just one trading day.

Upon successful advancement, traders are eligible for a 100% refund of their fee, with the possibility of making the first withdrawal after 30 days. Subsequent withdrawals are permitted every two weeks, with an 80/20 profit split.

Trading overnightYes
Trading during weekendsNo (available with Add-On)
News TradingNo (available with Add-On)
EA TradingNo (available with Add-On)

Scaling Plan

Rate: 3.0

To qualify for account scaling, traders must achieve profitability in at least two out of three consecutive months and maintain an average virtual profit of 6% or higher over this three-month period.

Successful scaling results in a 25% increase in the simulation account’s initial balance, with the opportunity to scale up to a maximum of $2,000,000 USD.

Traders are encouraged to request a review of their account every three months to determine eligibility for scaling.

For instance, starting with a $100K simulation account, achieving profitability in two out of three months and reaching at least 6% virtual profit qualifies for a 25% increase in the simulation account balance. This means an additional $25K will be added to the account’s initial virtual balance for the following month.

Challenge Fees

Rate: 3.6

Comparison of Direct Challenge Costs

We compare the direct costs of participating in the challenge offered by TopTier Trader Challenge with the average market costs. This analysis enables understanding of how TopTier Trader fares against its competitors in terms of pricing. The costs for the challenge at TopTier Trader for the challenge are well above the market average.

Challenge SizeMarket Average PriceChallenge PriceDifference
$5 000$55$83+$28
$10 000$108$163+$55
$25 000$209$292+$83
$50 000$310$427+$117
$100 000$515$636+$121
$200 000$969$1243+$274
$300 000$1252$1715+$463

Comparison of Costs Relative to Drawdown

It is important to note that the size of drawdown has a significant impact on what we actually receive for the money spent. The Evaluation Challenge has a drawdown at the level of 10%. Therefore, we additionally compare how much drawdown we receive in relation to the dollar spent.

Challenge SizeMarket Average Price [Drawdown $/$]Challenge Price [Drawdown $/$]Difference [Drawdown $/$]
$5 00086,0-2,0
$10 0008,66,1-2,5
$25 00011,48,6-2,8
$50 00015,411,7-3,7
$100 00018,515,7-2,8
$200 00020,416,1-4,3
$300 00024,317,5-6,8

Evaluation of the Cost-Effectiveness of the TopTier Account Challenge

Based on the above data, as well as algorithms we have developed, we assess the cost-effectiveness of purchasing the TopTier Account Challenge as very poor compared to the market average. The direct costs are above the market average, the expenditure efficiency in the context of drawdown indicates a poorer cost-effectiveness of the TopTier offer.












UX Rating

Rate: 4.7

TopTier website stands out for its exceptional UX design, offering clear, accessible information, a streamlined registration process, and robust technological and trading infrastructure. It effectively guides users through understanding the company’s services, registering an account, and purchasing a trading challenge. The user-friendly design and consistent branding significantly enhance the user experience. Moreover, the site’s intuitive layout and informative content structure contribute to an effortless navigation experience. 

Trading Conditions

Server Provider

TopTier uses TradeLocker as liquidity provider.


TradeLocker was founded in 2023 and has emerged as a cutting-edge trading platform that focuses on enhancing the trading experience and functionality. The platform was developed with the input and preferences of over 2 million traders in mind, earning the trust of more than 25 brokers and 23 white label proprietary trading firms. TradeLocker offers an extensive white-label solution for individuals or organizations looking to start their own brokerage or proprietary trading firm. This white-label program provides a comprehensive package that includes state-of-the-art technology, strong support, and efficient marketing strategies. However, TradeLocker’s reputation is marred by low ratings on Trustpilot, where it averages a 2.5.

Advantages of TradeLocker:

  • Innovative Stop Loss and Take Profit calculator for risk visualization.
  • Integration with TradingView for superior charting.
  • Simple interface allowing for one-click trading.
  • Access to over 500 tradable assets.
  • Flexibility to trade on various devices.

Disadvantages of TradeLocker:

  • Low user ratings.
  • Learning curve for some users.
  • Limited availability for early access.


TopTier offers trading on the TradeLockerplatform.


Leverage on accounts:

  • 1:100 – Forex
  • 1:40 – Gold & Commodities
  • 1:30 – Indices
  • 1:2 – Crypto

Deposits and Withdrawals


TopTier Trader accepts payments through credit/debit cards or cryptocurrency. For payments made with cryptocurrency, the transaction must be confirmed on the blockchain before the order is considered complete. TopTier accepts cryptocurrencies like:



To initiate a payout request, traders must not only qualify for a payout but also submit their request via their trader’s dashboard. Eligibility for a payout requires adherence to specific conditions:

For the First Payout Request:

  • Awaiting either 14 or 30 days from the date of the first trade on the account, depending on whether the 14-Day Payout Add-on was purchased.
  • Ensuring there are no active trades on the account.

For Subsequent Payout Requests:

  • Waiting 14 days from the date of the first trade after the most recent payout (irrespective of add-on purchases).
  • Ensuring there are no active trades on the account.

Payout Methods Include:

  • BTC
  • Wise

Payouts are processed within 3 – 5 business days upon receiving confirmation from the trader regarding their payout amount and details. For payouts via Wise, traders must have an account with Wise. It’s required that this account be registered under the same email used on our platform, enabling us to directly issue the payout.

Please be aware that traders will cover any transaction fees associated with their payout. Additionally, the account will be set to read-only mode until the payout process is complete. Payouts will be issued exclusively to accounts that have completed KYC verification through our verification partner, Sumsub.

It’s important to note that breaches of the terms of the funded account will render you ineligible for a payout, regardless of the account’s profitability.


TopTier Trader provides customer support through email, live chat and Discord channel ticket system. Below is a list of available channels:

TopTier Trader Support Timings – 24/7

Email support

Email support is available at TopTier. While the support provided via email is relevant, responses can sometimes be too general or incomplete. The average response time for emails is several hours. For quicker and more detailed assistance, it is recommended to use the Live Chat feature and enhance the conversation with additional questions.

Live Chat support

The TopTier live chat is the preferred method of communication, supported by a team of experts and AI agents ready to quickly and efficiently respond to inquiries and issues. Before sending the first message, you must provide your email address. The chatbot informs users that the estimated wait time is under 10 minutes, although the actual wait time can range from 1 to 15 minutes. The average response time based on user interactions is about 3 minutes. Live Chat responses are informative and knowledgeable, making it quickest support option for addressing concerns.

Social Media and Communication

TopTier actively maintains a social media presence on platforms such as Facebook, Instagram, X, and Telegram, Discord as well as on TikTok and YouTube.


Facebook â€“ The Facebook group serves as a space for official announcements and a community hub where traders can share their accomplishments and trading results.

X: Hosts a variety of content including news, promotional materials, announcements, and occasionally, prop trading-related memes.

Instagram: Features a blend of news, Trustpilot reviews, educational content, promotional material, and updates on new features.

Discord: Serves as a comprehensive platform for sharing announcements, marketing and trading updates, economic news, and security advice. It fosters a vibrant community atmosphere with channels dedicated to discussions, trading ideas, and success stories sharing.

YouTube: Channel contains promotional videos, announcements, interviews, and educational content.

Telegram: Mainly shares news, promotional content, and announcements, with the occasional inclusion of motivational quotes.

TikTok: TikTok page includes promotional materials, announcements and educational content.

Client Reviews Summary

Rate: 4.4

Evaluations of the TopTier platform:

Review platformRatingNumber of reviews

With an overall rating of 4.4 out of 5, TopTier demonstrates a predominantly positive reception among its user base, reflecting well on various aspects of its operations, including customer support. This high rating suggests that the positive experiences significantly outweigh the negative ones for the majority of users. However, it is important to consider this in the context of the detailed aspects of customer support:

Positive Contributions to High Rating:

  • Responsive and Helpful Customer Support: Users appreciated fast and informative customer service, emphasizing supportive interactions and efficient problem resolution.
  • User-Friendly Trading Platform: The platform is praised for being easy to understand and use, with some users specifically appreciating its integration of tradingview for chart analysis.
  • Competitive Challenge Fees and Conditions: The firm offers low challenge fees, tight spreads, and slippages, making it financially attractive for traders looking to prove their skills.
  • Comprehensive Trading Resources: The platform provides real-time market data, customizable charts, and robust risk management tools, catering to a wide range of trading strategies and styles.
  • Positive Experiences with Prop Firm Challenges: Some traders report great experiences with the firm’s trading challenges, noting the firm’s professionalism and the opportunities provided to prove their trading skills.

Negative Aspects Impacting the Rating:

  • Uncommunicated Rule Changes: Traders expressed frustration with sudden rule changes, such as the overleveraging rule, which were not adequately communicated to participants.
  • Technical Issues with Trading Platform: Users reported significant technical problems, including lag and unresponsiveness during critical trading periods, which adversely affected their trading outcomes.
  • Delayed Customer Service Responses: Some users experienced slow responses from customer service, with delays significantly impacting their trading activities and challenge participation.
  • Misleading Policies and Challenge Issues: There are complaints about misleading policies, especially regarding the trading challenges, where the terms and conditions or the enforcement of rules seemed unfair or opaque.
  • Negative Impact on Trader Performance and Morale: The culmination of issues, from technical glitches to customer service problems, negatively affected traders’ performance and overall morale, with some losing money and expressing regret at their involvement with the firm.

Additional Features


Dashboard offers traders a comprehensive set of tools to monitor and evaluate their trading performance. Key components include:

  • Detailed Stats: This section provides a textual display of important statistics like current equity, account balance, profitability, win/loss rates, number of trades, total lots, Risk-Reward Ratio (RRR), profit factor, and records of best/worst trades, successful long/short trades, and gross profit/loss.
  • Trading History: Allows traders to review trade activities during the current cycle.


In this tab, you can follow the competitions you are participating in, as well as all available tournaments, their rules, and statistics.


You can download the TradeLocker platform for Android, iOS and open TradeLocker Live/Demo.


TopTier is a company founded in 2021 in the United States, known for its wide selection of account sizes ranging from $5,000 to $300,000. The account sizes are suitable for both novice and advanced traders. Advantages also include a maximum allocation of $600,000 per client. While the company may not stand out for its challenge rules, it offers several Add-Ons allowing customization of challenges to meet individual requirements.

Customer service is rated as good, with live chat recommended for contact. Customer reviews are generally positive, with a 4.4 rating on Trustpilot. It is advisable to follow the company’s updates on Discord, X, and Instagram.

The downsides of TopTier challenges include the prohibition of using Expert Advisors (EA), the requirement of waiting 30 days for the first withdrawal, and the trading platform TradeLocker, which receives mediocre reviews from users. However, for an additional fee can reduce the first withdrawal waiting period to 14 days and allow the use of EAs.

Despite the high challenge prices, TopTier can be an alternative for users looking to diversify their funds in the world of prop-trading.