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How to deposit funds

Depositing funds into your account to trade with is quick and easy. Simply follow the steps below to fund your account:

  • Log in to the Client Office

  • Go to ‘Deposits’

  • Select the trading account you wish to make a deposit to, and choose from a number of available payment methods

Payment methods

There are several ways to deposit funds into your trading account. Some of these methods may incur additional charges. Please note that XTB will not cover any exchange rates charged if you are depositing in a currency that is different to that of your bank funds.Please also note that payment method may differentiate depending of the country, which you are from.

Bank Transfer

We accept the following currencies: EUR
Fees: Free
Please note however that your bank may charge you a transfer fee.
Any bank transfers made to XTB must be made from a bank account registered in the client's full name, otherwise your funds may be returned to source. Bank account details you can find in your Client Office.

Credit Cards

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We accept the following currencies: EUR
Fees: Please note that we no longer charge fees for using a credit card to make a deposit:
EUR (€) – free of charge

Payment Solution Provider

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supervised by Polish Financial Supervision Authority

We accept the following currencies: EUR
Fees: Full list of providers available in your country and applicable fees you can find in client office

Client Money Protection

The safety of your funds is paramount to our business activity. We are authorised and Regulated by the Cyprus Securities and Exchange Commission (CySEC) and operate in strict accordance with their rules on client money protection. As such, your funds are held in a segregated account at all times. Your funds are also protected by the Investment Compensation Fund (ICF) up to €20,000 per person in the unlikely event of insolvency.

Withdrawals

To withdraw funds from your account, simply select the trading account you wish to withdraw from in your Client Office, and enter your desired amount. If your nominated bank is in a different currency to your trading account, Our Bank convert the amount at source at their rate or when the payment is received by your bank. Please review the table below for withdrawal request processing times:

Withdrawal Type Processing Times
EUR withdrawals Same day processing if requested before 1PM GMT. Requests made after 1PM GMT will be processed the next working day.
For withdrawals <100 EUR: 10 EUR commission will be charged
EUR withdrawals
Same day processing if requested before 1PM GMT. Requests made after 1PM GMT will be processed the next working day.
For withdrawals <100 EUR: 10 EUR commission will be charged

Please note that we cover all cost of the transfer at the side of our bank. Despite this your bank may additionally charge you for the transfer.

WITHDRAWAL FEE ON AMOUNTS SMALLER THAN THRESHOLD THRESHOLD AMOUNTS LARGER THAN THRESHOLD
10 EUR 100 EUR Free
10 EUR
THRESHOLD
100 EUR
AMOUNTS LARGER THAN THRESHOLD
Free