Head to head on price, cost to get funded, rules, payouts and trust, read on both firms' own pages. Checked November 5, 2026.
Verdict: Top One Trader wins 3 of the 4 points the data decides, FTMO 1. Top One Trader leads on cheapest plan to start, cheapest $100k plan, lowest cost to get funded (est.). FTMO leads on rules allowed (of 5). Points the data cannot decide are left unmarked.
 FTMO |  Top One Trader | |
|---|---|---|
| Market | forex | forex |
| Based in | Czech Republic | United States (Top One Trader, LLC) |
| Founded | 2015 | n/a |
| Trustpilot | 4.8 (55,531 reviews) | n/a |
| PropTested safety score | 67/100 | n/a |
| Plans on sale | 4 | 6 |
| Cheapest plan to start | $354.95 (FTMO Challenge 1-Step, $50K, converted from EUR 319) | $114 (One-Step FLASH, $50K) |
| Cheapest $100K plan | $443.97 (converted from EUR 399) | $270 |
| Lowest cost to get funded (est.) | $219 | $43 |
| Max profit split | 90% | 90% |
| Drawdown types | Static, End of day, Trailing balance | Trailing balance, Static |
| Plans without daily loss limit | 0 of 20 | 7 of 33 |
| Plans without consistency rule | 15 of 20 | 20 of 33 |
| First payout | After 14 days | After 14 days |
| Payout cycle | Reward claim from day 14 after first trade on the account, review 1-2 business days, sent 1-2 business days after invoice approval | 14 or 30 days by plan; weekly with add-on on some plans |
| Payouts read on chain | none visible | $6,945,097 |
| Rules allowed (of 5) | 3 | 2 |
| Platforms | MT4, MT5, cTrader, TradingView | MT5, Match-Trader, TradeLocker |
| Current offer | none | none |
| Checked | 2026-11-05 | 2026-11-05 |
FTMO is a forex prop firm based in Czech Republic, founded in 2015. As of November 5, 2026, PropTested reads 4 plans on its site, from $87.90 one payment (converted from EUR 79; the firm charges in EUR), with a profit split of up to 90%. Drawdown is static or end of day or trailing balance. The first payout can be requested after 14 days. Trustpilot shows 4.8 of 5 from 55,531 reviews. All FTMO plans and rules.
Top One Trader is a forex prop firm based in United States (Top One Trader, LLC). As of November 5, 2026, PropTested reads 6 plans on its site, from $18 one payment, with a profit split of up to 90%. Drawdown is trailing balance or static and some plans have no daily loss limit. The first payout can be requested after 14 days. All Top One Trader plans and rules.
Top One Trader has the cheaper entry plan: FTMO starts at $354.95 (FTMO Challenge 1-Step) and Top One Trader at $114 (One-Step FLASH), checked November 5, 2026. FTMO charges in EUR; its price is converted from EUR 319 at 1.1127, ECB reference rate of November 11, 2026. The cost-to-funded estimate in the table is the better guide, because it counts resets and fees against each plan's pass odds.
Both allow a first payout after the same wait: FTMO after 14 days, Top One Trader after 14 days. Cycles: FTMO Reward claim from day 14 after first trade on the account, review 1-2 business days, sent 1-2 business days after invoice approval; Top One Trader 14 or 30 days by plan; weekly with add-on on some plans.
FTMO allows 3 of the five trading rules PropTested tracks (news, EAs, copy trading, overnight, weekend) and Top One Trader allows 2. 15 of FTMO's 20 setups have no evaluation consistency rule, against 20 of 33 at Top One Trader.
Trustpilot data is missing for one of the firms.
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