Neither the XTB Standard nor Swap Free account requires a minimum amount deposit. However, the recommended minimum deposit amount is $100 USD / R1600 ZAR in order for the first live trade to be made.
| 🔎 Account | 🥇 Standard | 🥈 Swap-Free |
| 💰 Required Min. Deposit | None | $ 1 USD |
| 🚀 Open an Account | Open Account | Open Account |
Min Deposit USD 0 Regulators FCA, CySEC, IFSC, KNF Trading Platform MT4, xStation Crypto Yes Total Pairs 0 Islamic Account Yes Trading Fees Low Account Activation 24 Hours
XTB Minimum Deposit – 11 Key Point Quick Overview
- ☑️ XTB Overview
- ☑️ XTB Minimum Deposit
- ☑️ How to Open an XTB Live Account – Step by Step Guide
- ☑️ XTB Deposit and Withdrawal
- ☑️ XTB Deposit Methods and Procedure
- ☑️ How to Make a Deposit with XTB – 3 Step Guide
- XTB Deposit Methods
- XTB Customer Reviews
- XTB Pros and Cons
- Conclusion
- Frequently Asked Questions
XTB Overview
XTB is one of the largest, global stock exchange-listed FX & CFD brokers with more than 15 years of experience in the field. XTB has offices in over 13 countries across the globe and provides clients with a proprietary trading platform plus dedicated customer support.
XTB Minimum Deposit
XTB offers two live trading account options, Standard and Swap-Free, neither of which require a minimum amount deposit. However, the recommended minimum deposit amount is $100 USD / R1600 ZAR in order for the first live trade to be made.
| 🔎 Account | 🥇 Standard | 🥈 Swap-Free |
| 💰 Required Min. Deposit | None | $ 1 USD |
| 🚀 Open an Account | Open Account | Open Account |
How to Open an XTB Live Account – Step by Step Guide
1. Step 1: Start Process
In order to start the application process, the applicant can simply click on the green “Create Account” button located on the top, right corner of the XTB Webpage.
2. Step 2: Email
The applicant will need to supply a valid email address which will be used for XTB communication and account activation. A case-specific password will also need to be set.
3. Step 3: General Information
The Applicant will need to complete some general information, including date of birth and nationality.
4. Step 4: Address
The applicant will need to supply their current address in order to proceed.
5. Step 5: Finalize
The final step is currency selection and a terms agreement section.
Once this has been completed, the applicant will be met with the following notification.
XTB Deposit and Withdrawal
Both the deposit and withdrawal procedures with XTB are user-friendly and straightforward. Here is an overview of both Funding and Withdrawal, step by step.
XTB Deposit Methods and Procedure
How to Make a Deposit with XTB – 3 Step Guide
The deposit procedure is three easy steps.
1. Step 1: The user must be an Account holder in order to Log in to the xStation or Client Office.
2. Step 2: Go to Deposits in the xStation or Client Office.
3. Step 3: Select the trading account and Payment method.
XTB Deposit Methods
XTB makes several ways available to deposit funds into a user’s trading account. Traders must take note that some of these methods may incur additional charges and XTB will not cover any exchange rates charged. Deposit Methods include:
Bank Transfers
Bank Transfers are “Fee-Free” and are accepted in EUR, USD, GBP, and HUF. However, the account holder’s bank may charge a transfer fee.
Credit Cards
Credit Cards accepted include MasterCard, Maestro, and Visa. Deposits made by Credit card are fee-free and can be made in EUR, USD, and GBP.
e-Wallets
Using an e-wallet to make an XTB deposit will be subject to the following fees: Paysafe (formerly known as Skrill) – 2% of the deposited amount. Currencies accepted include EUR, USD, GBP, and HUF.
XTB Withdrawal Methods and Procedure
In order to withdraw profits from an XTB Live trading account, the account holder can simply select their preferred account and enter the amount that they wish to withdraw. The withdrawal will then be returned to a nominated bank account, which the account holder added to their Client Office.
Most withdrawals will be processed on the same day if the request was done before 13:00 PM. If the request was done after said time, the withdrawal will be processed the following day.
How to Make a Withdrawal with XTB – 3 Step Guide
1. Step 1: Login.
Traders who would like to withdraw funds from their XTB live trading account can simply log in to xStation or Client Office. Once logged in, the traders can now click on the ‘Withdraw’ tab, after which they will see a page similar to the one below. Next – the trader can now select the trading account they would like to withdraw funds from, as well as information about recent withdrawals.
2. Step 2: Enter Amount
After the account has been selected, the trader should choose the amount they would like to withdraw and click on the ‘Withdraw’ button to process the withdrawal. After doing so, a new window will open where the account holder can choose the account they wish to withdraw funds to. Once the account number is selected and the withdrawal amount checked to be correct, click on the green ‘OK’ button.
The withdrawal will now be processed by XTB systems and the trader will receive a confirmation window as seen below.
XTB Customer Reviews
Good Overall.
Good system and good service. – Shayna
Very Professional.
The best customer service I have ever received! – Anon
Very Happy!
Trade conditions are very nice and the interface from the web and the application have very nice tools and are user friendly. One point that made me choose this broker is that it is preparing the corresponding document for tax declaration according to the earnings in the CFD market. – David
XTB Pros and Cons
| ✅ Pros | ❌ Cons |
| Strong regulation in multiple regions (e.g., FCA, CySEC) | Not available in the US or Canada |
| Tight spreads and low commission accounts for certain regions | Fees on stock CFDs can be higher compared to some competitors |
| xStation 5 and MetaTrader 4 (MT4) for various trader levels | Fewer account options compared to some brokers |
| Offers comprehensive training materials and market analysis | Does not offer MT5 platform, which some traders may prefer |
| Reliable and fast order execution with no dealing desk intervention | Lacks promotional bonuses or incentives |
| Accessible to beginners as no minimum deposit is required | Charges an inactivity fee after 12 months of no trading activity |
| Offers Forex, commodities, indices, stocks, and cryptocurrency CFDs | Market research tools, though solid, are less comprehensive than some competitors |
| Provides multilingual customer support via live chat, email, and phone | Regulated regions have lower leverage limits, particularly in Europe |
| Ensures that clients cannot lose more than their account balance | Charges fees on withdrawals below a specific threshold |
Min Deposit
USD 0
Regulators
FCA, CySEC, IFSC, KNF
Trading Platform
MT4, xStation
Crypto
Yes
Total Pairs
0
Islamic Account
Yes
Trading Fees
Low
Account Activation
24 Hours
Conclusion
Overall, Neither XTB Standard nor Swap Free account requires a minimum amount deposit.
You might also like: XTB Review
You might also like: XTB Account Types Overview
You might also like: XTB Demo Account – Step by Step
You might also like: XTB Fees and Spreads
You might also like: XTB Sign up Bonus
Frequently Asked Questions
What is the minimum deposit for XTB?
A minimum deposit is not required, yet $100 USD / R1600 ZAR is recommended.
How do I make a deposit and withdrawal with XTB?
- Bank Wire Transfer
- Credit/Debit Cards
- PayPal
- Skrill
- Sofort
- PaySafeCard
- SafetyPay
Does XTB charge withdrawal fees?
No. There is no mention of withdrawal fees. Traders may be liable for fees waived by their banking institution on some, or all, payment methods and this needs to be verified with the specific preferred payment provider.
How long does it take to make a withdrawal?
This will depend on the method through which withdrawals are made along with the process involved and it can take between one and several business days.
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