Toptier Trader review
Up to 90% Profit Split
24h Payouts
Account Sizes
MT5 + A-Trader
📊 TopTier Trader at a Glance — Brand Profile & Stats
🏢 Who is TopTier Trader / TX3 Funding?
TX3 Funding FX
Formerly TopTier Trader · Forex prop firm
Brand
TopTier Trader (now TX3)
Founded
Since 2021
Funded traders
8,000+ (+715/week)
Total paid out
$28M+ verified
Broker partner
TX3 Markets (ECN)
Servers
NYC, London, Sydney
Why it matters: TopTier Trader rebranded to TX3 Funding FX in 2025. The merge integrated the firm with its sister broker TX3 Markets (a regulated ECN broker), making this one of the few prop firms backed by an actual broker, not a white-label.
★ What 4,297 Real Traders Say
3.6 ★
Trustpilot — "Average"
4,297 reviews · Claimed profile · Replied to 74% of negative reviews
⭐⭐⭐⭐⭐ "Never any issues"
⭐⭐⭐⭐⭐ "Tx3 funding is best firm I traded solid…"
⭐ "Accounts Terminated After Payout Request — No Evidence Provided"
Honest read: 3.6★ is "Average" — split between strong 5★ payout praise and serious 1★ accusations (account terminations, withheld payouts) post-rebrand. Read 1★ reviews and the company replies before you commit.
💰 Cheapest Path to $100K Funded
TX3 Funding offers 6 challenge types at $100K. Verified pricing from live widget (May 2026):
Instant Standard 100K
$475
limited offer · no challenge
1 Phase 100K
$399
most popular path
2 Phase Flex 100K
~$549
tighter rules · safer
Instant Pro 100K
premium
Pro payout anytime
Active promo: Code
OP25 = 25% OFF One Phase Challenges. Combined: 1-Phase 100K from $399 → ~$299. Valid until May 22.🖥️ Platforms (MT5 + A-Trader)
TX3 Funding runs on its broker partner's liquidity. Two platform options:
🥇 MetaTrader 5 NEW LIVE
Just launched May 2026. Full MQL5 EA support, hedging, depth-of-market. Native MetaQuotes terminal.
🌐 A-Trader (default)
TX3's proprietary web platform — runs in browser, no install. Replaced the old DXTrade.
Broker setup: "TX3 Funding is a leading prop firm powered by the globally regulated broker TX3 Markets." Servers in NYC, London, Sydney, South Africa, Peru. True ECN routing.
📈 Markets: Forex, Indices, Crypto, Commodities
TX3 is multi-asset — Forex pairs, equity indices, commodities and crypto, traded as CFDs through the TX3 Markets broker.
💱 Forex majors & exotics
📊 US 30, US 100, GER 40
🥇 Gold, silver, oil
₿ BTC, ETH digital currencies
Verbatim claim: "Zero commission on Standard account with low spreads. True ECN broker — trades go straight to our liquidity providers." Weekend holding allowed (per comparison table on brand site).
⚖️ The 3 Rules That Actually Fail Traders
Most TX3 failures cluster around these rules:
1. Daily Drawdown ($3K on 100K = 3%)
Hit at any time during the day (equity, not balance). Resets at 5pm ET. 1-Phase challenge has 5% daily; 2-Phase Flex tighter.
2. Max Drawdown ($5K on 100K = 5-8%)
Static once funded. Differs by mode: 5% Instant, 8% on 1-Phase, 10% on 2-Phase. Cannot recover after breach.
3. Min 7 Trading Days (Instant)
No payouts before 7 days on Instant. 1-Phase has 0 day min. 2-Phase typically has phase-specific min days.
Insider tip: Recent Trustpilot 1★ reviews allege "Accounts Terminated After Payout Request — No Evidence Provided." Document every trade and screenshot rule confirmations before requesting your first payout.
🥇 Top TopTier Trader Alternatives
🥇 FTMO ★★★★★
FTMO4.8 ★ · 27K reviews
The global benchmark CFD prop firm. Prague, 2015. 2-step challenge, 80-90% split, on-demand payouts. $540 for $100K. Pick FTMO if you want maximum reliability and don't mind the 2-step grind.🥈 FundedNext ★★★★½
FundedNext4.7 ★ · 38K reviews
UAE-registered, 2022. Stellar Lite 1-step ($499 / $100K) + multiple other models. 15% profit-share during challenge phase. Pick FundedNext if you want extra profit-share kicker during evaluation.🥉 Goat Funded Trader ★★★★½
Goat Funded4.5 ★ · 7K reviews
UAE-based, 2023. $386 for 100K 2-Phase with 10% daily / 10% total drawdown — the loosest drawdown of the peer group. Pick Goat if you want the most forgiving drawdown rules.Topstep (futures) ★★★★★
Topstep4.6 ★ · 7K reviews
Different asset class — Topstep is US futures, not Forex CFDs. Chicago, 2012. Trading Combine via Rithmic. $165/mo for $150K Combine. Pick Topstep if you want US-regulated exchange-traded futures.⚖️ Position Limits & Drawdown by Account Size
$10K Account · Daily $300-$500 cap
Instant Standard / 1-Phase 10K · entry from ~$59
Daily DD
$300 (3%)
Max DD
$500 (5%)
Profit share
80/20
Min days
7 (Instant)
Position math: $300 daily cap = 30 pips with 0.10 lot EUR/USD. Conservative entry account.
$50K Account · Daily $1.5K-$2.5K cap
Instant 50K ~$249 · 1-Phase 50K ~$259
Daily DD
$1,500 (3%)
Max DD
$2,500 (5%)
Profit share
80-90%
Avg payout
~$2,100
Position math: 0.5 lot EUR/USD = $5 per pip. $1,500 daily cap = 300 pips at 0.5 lot.
$100K Account · Daily $3K-$5K cap
Instant 100K $475 · 1-Phase $399 · 2-Phase Flex $549
Daily DD
$3K-$5K
Max DD
$5K-$10K
Avg payout
$4,275
Targets
None (Inst) / 10%
Real recent payouts: May 18 - Pro 100K = $10,000, Flex 100K = $3,900, One 100K = $1,396.
📊 Consistency Rules by Mode (4 Challenge Types)
⚡ Instant Standard (Popular)
Targets
None
Daily DD
3% ($3K)
Max DD
5% ($5K)
Min days
7
No challenge required: $475 buys $100K funded from day one. Wait 7 days for first payout. 80/20 split.
💎 Instant Pro
Targets
None
Daily DD
3%
Max DD
5-6%
Payouts
Anytime
Pro feature: Anytime Pro payouts (not capped to monthly). Up to 90% split with scaling.
🟢 1 Phase Challenge
Target
8% (single phase)
Daily DD
5%
Max DD
8%
Min days
0 (none)
Most popular path: $399 for $100K, hit 8% to pass, get funded. Use code OP25 for 25% off.
🔵 2 Phase Flex / Pro
P1 target
10%
P2 target
5%
Daily DD
5%
Max DD
10%
Safer two-step path: $549 for 100K with looser 10% max DD. Standard FTMO-style evaluation.
💵 Commissions & Trading Costs
💸 Zero Commission on Standard
Quoted verbatim from brand site: "Zero commission on Standard account with low spreads. True ECN broker — trades go straight to our liquidity providers."
Standard account
Zero commission · spreads only · True ECN routing.
Pro / Raw account
Tighter spreads but per-lot commission applies.
📏 Typical Spreads (Forex)
TX3 runs on its broker partner TX3 Markets — True ECN routing via NYC/London/Sydney/SA/Peru servers. Approximate spreads during London/NY session:
EUR/USD ~0.2-0.5 pip
GBP/USD ~0.5-1.0 pip
USD/JPY ~0.3-0.7 pip
XAU/USD ~25-50 cents
Verify live: Brand does not publish a fixed spread schedule. Check live terminal.
💵 Cost vs Peers (per $100K)
TX3 1-Phase 100K (w/ OP25 promo)~$299
Goat Funded 2-Phase 100K$386
E8 Markets 2-Phase 100K$398
TX3 1-Phase 100K (no promo)$399
TX3 Instant 100K$475
FTMO 2-Phase 100K$540
FundedNext 2-Phase 100K$549
Bottom line: With OP25, TX3 is the cheapest 1-Phase 100K in the peer group.
🚫 Restricted Countries
🌍 TX3 Funding Country Eligibility
TX3 Funding accepts traders from most countries worldwide — homepage notes "Trusted by traders countries worldwide markets." Unlike CFD-only firms like Equity Edge, TX3 does not publish a fixed restricted-country list at the FX product page.
Sanctions list applies: Standard OFAC / EU / UK financial sanctions countries (Iran, North Korea, Syria, Cuba, Crimea / Russia-occupied regions, Sudan) are not served by the partner broker TX3 Markets.
🇮🇷 Iran
🇰🇵 North Korea
🇸🇾 Syria
🇨🇺 Cuba
🇷🇺 Crimea
🇸🇩 Sudan
Verify before purchase: Brand does not publish a definitive list — check the signup form for your country before paying.
🎥 Video Guides & Reviews
🎥 4 Honest TopTier Trader / TX3 Reviews (Click to Watch)
Four independent YouTube reviews of TopTier Trader (now TX3 Funding FX). Click any thumbnail — videos open in a lightbox, not on YouTube.
Pros and Cons of TopTier Trader
✅ Pros
- $28M+ paid out with weekly volume disclosed
- 24-hour payout guarantee
- Up to 90% profit split + scaling to $2M
- 8,000+ funded traders (+715 new/week)
- Backed by regulated broker TX3 Markets (True ECN)
- 6 challenge types (Instant Std/Pro, 1-Phase, 2-Phase Flex/Pro)
- MT5 now live (May 2026) + A-Trader web platform
- Servers in NYC, London, Sydney, SA, Peru
- Wise payouts (15+ payment options)
- Active promo OP25 = 25% off 1-Phase challenges
⚠️ Cons
- Trustpilot score dropped to 3.6★ post-rebrand
- Multiple 1★ accusations of account termination after payout
- Recent rebrand from TopTier → TX3 has caused confusion
- Default 80/20 split (90% requires scaling)
- Brand does not publish a definitive restricted-country list
- Min 7 trading days on Instant accounts
- 2-Phase Pro is the safest path but costliest
TopTier Trader Pricing — All Plans Compared
Verified pricing from tx3funding.com/en/fx — 10 plans across 6 challenge types × 5 sizes. All include up to 90% profit split, 24h payouts. Code OP25 = 25% off 1-Phase challenges (valid until May 22).
1-Phase 10K
$59
Instant Standard 10K
$79
1-Phase 25K
$149
Instant Standard 25K
$179
1-Phase 50K
$259
Instant Standard 50K
$249
1-Phase 100K
$399
Instant Standard 100K
$475
2-Phase Flex 100K
$549
Instant Pro 100K
Premium
Promo: Use code
OP25 for 25% off 1-Phase challenges. Always verify the live price on the brand site before purchase.TopTier Trader vs Topstep vs FTMO — Side-by-Side
Three different firms, three asset-class footprints. Honest comparison:
Honest take: TX3 is cheapest at $100K with OP25 promo ($299), has the highest funded-trader count growth (+715/week). For maximum reliability and 5+ year track record, FTMO wins. For US-regulated futures, Topstep.
Why Choose TopTier Trader
★ Trustpilot 3.6 · 4,297 reviews
24h Payouts · OP25 = 25% OFF
TX3 Funding
Formerly TopTier Trader
★ 3.6 / 5 · 4,297 reviews
$28M+ paid out · 24h guarantee
USE CODE OP25 — 25% OFF
Try TopTier Trader →Why traders pick TopTier Trader / TX3 Funding despite recent rebrand controversy:
1. Verified $28M+ paid out. Brand shows live weekly payout counter ($141K+ paid out this month visible on homepage) and lists named funded traders with payout amounts.
2. 24-hour payout guarantee. Faster than FTMO's on-demand model. Disputes do exist but the brand replies to 74% of negative reviews on Trustpilot.
3. Cheapest 1-Phase 100K with promo. $399 base, $299 with OP25 = 25% off — cheapest in the peer group.
4. Broker-backed. Powered by TX3 Markets — a regulated ECN broker with NYC/London/Sydney servers. Not a white-label.
5. MT5 just live (May 2026). Full MQL5 EA support, hedging, depth-of-market on top of A-Trader web platform.
Frequently Asked Questions
TopTier Trader (rebranded to TX3 Funding FX in 2025) is a Forex CFD prop firm operating since 2021. The firm has paid out over $28 million to 8,000+ funded traders. Powered by regulated ECN broker TX3 Markets with servers in NYC, London, Sydney, South Africa and Peru.
Verified pricing (May 2026): 1-Phase 100K = $399 (or $299 with OP25 promo), Instant Standard 100K = $475 (limited offer), 2-Phase Flex 100K = $549. Six challenge types across five account sizes from $5K to $100K, with scaling up to $2 Million in funded capital.
TopTier Trader offers up to 90% profit split. The default split on funded accounts is 80/20 (trader keeps 80%), scaling to 90% as traders demonstrate consistency. Pro accounts qualify for anytime payouts; Standard accounts have a 7-day minimum waiting period.
TopTier Trader / TX3 Funding offers a 24-hour payout guarantee. Payouts are processed via Wise, which supports 15+ payment options including bank transfer and crypto. The brand publishes a live weekly payout counter — $141K+ paid out in May 2026 alone.
OP25 is an active 25% OFF promo code that applies to One Phase Challenges across all account sizes. With OP25, a 1-Phase 100K challenge drops from $399 to roughly $299. Valid until May 22, 2026 — verify on the live brand site before purchase.
TopTier Trader / TX3 Funding supports MetaTrader 5 (just launched May 2026) and A-Trader, the firm's proprietary web-based platform. MT5 supports full MQL5 EA automation, hedging and depth-of-market. A-Trader runs in browser with no install required.
Yes. TopTier Trader rebranded to TX3 Funding FX in 2025 after merging with sister broker TX3 Markets. The toptiertrader.com domain still resolves to the brand and the company is now powered by the regulated TX3 Markets ECN broker. All historical TopTier accounts migrated to TX3.
Daily drawdown is 3% (Instant) or 5% (1-Phase / 2-Phase). Max drawdown is 5% on Instant, 8% on 1-Phase, and 10% on 2-Phase. Drawdowns are equity-based and reset at 5pm ET. On a $100K account, the daily cap is $3,000-$5,000 depending on mode.
TopTier Trader / TX3 Funding states it is 'Trusted by traders countries worldwide.' Standard OFAC / EU / UK sanctions countries (Iran, North Korea, Syria, Cuba, Crimea, Sudan) are excluded via the partner broker. The brand does not publish a definitive restricted-country list — verify at signup.
TopTier (now TX3) is the cheapest path at $100K with OP25 promo (~$299 vs FTMO $540). Trustpilot rating is lower (3.6★ vs FTMO 4.8★, Topstep 4.6★). TopTier is Forex CFDs; Topstep is US futures via Rithmic — different asset class entirely. Pick TopTier for cheap entry, FTMO for reliability, Topstep for regulated futures.
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