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CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 80% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 80% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

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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:

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 note, we do not accept bank transfers from countries that are different from your home address.

Bank Transfer

We accept the following currencies: EUR, USD, GBP, HUF.
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. (This also applies to credit card deposits)

Credit Cards

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

e-Wallets

We accept the following currencies: EUR, USD, GBP, HUF
Fees: Please note that using an e-wallet to make a deposit is subject to the following fees:
Paysafe (formerly known as Skrill) – 2% of your deposited amount

Client Money Protection

At XTB Limited, the safety of your funds is paramount to our business activity. We are authorised and Regulated by the UK Financial Conduct Authority (“FCA”) and operate in strict accordance with the FCA’s rules on client money protection and as such, your funds are held in a segregated account. Your funds are also protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 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, and enter your desired amount.

Your withdrawal is returned to a nominated bank account, which you add in your Client Office.

Please note that you are only able to register a nominated bank account that matches your country of residence.

Any card deposits 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.

Please note that we do NOT accept joint bank accounts for deposits and withdrawals unless a joint trading account is registered with us. Please contact your account manager for further information.

To verify your nominated bank account, you will need to provide a valid bank statement issued within the last three months. If your nominated bank is in a different currency to your trading account, HSBC 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
UK GBP withdrawals Same day processing if requested before 1PM. Requests made after 1PM will be processed the next working day.
EUR withdrawals (Within the European Union) Same day processing if requested before 1PM. Requests made after 1PM will be processed the next working day.
Domestic HUF withdrawals Same day processing if requested before 1PM. Requests made after 1PM will be processed the next working day.
All other withdrawals All withdrawals are processed the same day if before 1PM.
UK GBP withdrawals
Same day processing if requested before 1PM. Requests made after 1PM will be processed the next working day.
EUR withdrawals (Within the European Union)
Same day processing if requested before 1PM. Requests made after 1PM will be processed the next working day.
Domestic HUF withdrawals
Same day processing if requested before 1PM. Requests made after 1PM will be processed the next working day.
All other withdrawals
All withdrawals are processed the same day if before 1PM.

Please note that if your withdrawal is under a certain amount, we apply a small charge. The fee depends on the base currency of your trading account:

WITHDRAWAL FEE ON AMOUNTS SMALLER THAN THRESHOLD THRESHOLD AMOUNTS LARGER THAN THRESHOLD
20 USD 100 USD Free
16 EUR 80 EUR Free
12 GBP 60 GBP Free
3000 HUF 12 000 HUF Free
20 USD
THRESHOLD
100 USD
AMOUNTS LARGER THAN THRESHOLD
Free
16 EUR
THRESHOLD
80 EUR
AMOUNTS LARGER THAN THRESHOLD
Free
12 GBP
THRESHOLD
60 GBP
AMOUNTS LARGER THAN THRESHOLD
Free
3000 HUF
THRESHOLD
12 000 HUF
AMOUNTS LARGER THAN THRESHOLD
Free