Top One Trader vs Funded Trading Plus: Which Prop Firm Is Better?
Choosing between Top One Trader and Funded Trading Plus comes down to whether you prioritize lower entry costs or more flexible trading conditions. Top One Trader offers the cheapest $100K challenge at just $287 compared to Funded Trading Plus's $549, but Funded Trading Plus provides significantly more room to operate with 5% daily loss limits and 10% total drawdown versus Top One Trader's restrictive 4% and 7%. This comparison examines the key differences in pricing, risk parameters, and trading conditions to help you determine which firm aligns with your trading style and budget. Both firms maintain solid reputations, but their approaches to prop trading differ substantially in ways that matter to your bottom line.
TO
Top One Trader
Est. 2023 · N/A
4.5
3,000 reviews
VS
1 wins
5 ties
8 wins
FT
Funded Trading Plus
Est. 2021 · London, UK
4.7
3,000 reviews
Feature
Top One Trader
Funded Trading Plus
Challenge Price ($100K)
$287✓ Lower entry cost
$549
Phase 1 Profit Target
10%
10%
Phase 2 Profit Target
5%
5%
Max Daily Loss
4%
5%✓ More daily loss room
Max Total Loss
7%
10%✓ More drawdown room
Min Trading Days
5 days
None✓ No minimum
Time Limit (Phase 1)
No limit
No limit
Payout Split
80% (up to 90%)
80% (up to 100%)✓ Higher profit split
Top One Trader
Pros
+Extremely low challenge prices with up to 70% discount codes
+Multiple account types including quickest challenge, traditional challenge, no profit targets, and instant funding
+High profit splits up to 100% for instant funding accounts
+Flexible leverage options ranging from 1:10 to 1:50 depending on account type
+No time limits on most account types
Cons
−Relatively new firm established in 2023 with limited track record
−EAs only allowed during challenge phase, not on funded accounts
−Weekend holding and news trading require additional fees on some account types
−Limited information about available trading platforms and instruments
Funded Trading Plus
Pros
+Multiple challenge types: Instant Funding, 1-Step, and 2-Step options
+Fast weekly reward frequency starting from day 0
+No monthly fees with transparent pricing structure
+News trading allowed and weekend holding permitted
+Swap-free accounts available with no virtual charges for overnight positions
Cons
−Lower leverage at 1:30 compared to many competitors
−Limited account size options shown with pricing
−Add-on features require additional 15% fees each
−Relatively new firm established in 2021
Our Verdict
Which Should You Choose?
Funded Trading Plus is the better choice for most serious traders despite the higher entry cost. The firm's 5% daily loss limit and 10% total drawdown give you significantly more breathing room than Top One Trader's tight 4%/7% parameters, which can easily stop out profitable strategies during normal market volatility. The ability to trade news events and scale up to larger account sizes makes Funded Trading Plus more suitable for experienced traders who need flexibility.
Top One Trader works best for budget-conscious beginners who want to test prop trading without a large upfront investment. The $287 entry cost is less than half of Funded Trading Plus's $549, making it accessible for traders with limited capital. However, the restrictive risk parameters and 5-day minimum trading requirement make it challenging for most trading styles to succeed long-term.
Go with Funded Trading Plus if you have the budget and want better odds of success. The extra $262 in entry costs pays for itself through more forgiving rules that actually let you trade profitably without getting stopped out by normal market movements.
Choose Top One Trader if:
→Extremely low challenge prices with up to 70% discount codes
→Multiple account types including quickest challenge, traditional challenge, no profit targets, and instant funding
→High profit splits up to 100% for instant funding accounts
→Flexible leverage options ranging from 1:10 to 1:50 depending on account type
Choose Funded Trading Plus if:
→Multiple challenge types: Instant Funding, 1-Step, and 2-Step options
→Fast weekly reward frequency starting from day 0
→No monthly fees with transparent pricing structure
→News trading allowed and weekend holding permitted
Disclaimer:This comparison is for informational purposes only. Prop firm rules change regularly — always verify current terms on each firm's official website before purchasing a challenge. This is not financial advice. Updated 2026-03-08.