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XTB minimum deposit

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Adam N.
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Does XTB have a minimum deposit requirement?

Are you looking to open an account at XTB, but have only limited funds to invest? Wondering whether XTB requires a minimum deposit to start trading?

The good news is that XTB has no minimum deposit requirement, so you can easily start trading with as little money as you wish.

No minimum deposit at XTB makes it easy to start trading
Adam
Adam Nasli
Trading • Safety • Market Analysis

Together with my brokerage analyst colleagues, I have thoroughly tested the services of XTB by opening a real-money account. Here's what you need to know about depositing at XTB as of December 2024:

  • The minimum deposit at XTB is $0 - a great feature.
  • You can choose from multiple base currencies.
  • You can deposit your funds via multiple methods but fees may apply.
  • Depositing money at XTB is an easy process.

  • For detailed conditions, explore our comprehensive XTB review.

Visit broker
76% of retail CFD accounts lose money

Overall score
4.7/5
Minimum deposit
$0
Stock fee
Low
Index CFD fee
Low
Withdrawal fee
$0
Account opening
1 day
Visit XTB

76% of retail CFD accounts lose money

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All you need to know about deposit requirements at XTB

Once you have decided to open an account at XTB and completed both the registration and verification process, you need to fund your account to be able to begin trading.

At XTB, the minimum deposit is $0. This means that you can deposit as little money as you wish.

Brokers that don't require a minimum deposit do so to encourage people to try their services without requiring a large initial commitment. Many brokers no longer require a minimum deposit nowadays; so if you want to compare XTB and its rivals along other criteria, you can do so using our broker comparison tool.

This is where you stand in your journey to your first trade at XTB

So what if you made a deposit but decide later that you want to switch brokers and invest your money elsewhere? No worries - you can always opt out and withdraw your funds. All you need to keep in mind are applicable withdrawal fees and withdrawal times.

At XTB, there are no withdrawal fees and it usually takes 1 day to receive your funds; though sometimes withdrawal might take a bit longer, depending on the method you use.

What base currencies are available at XTB?

At XTB, the following base currencies are available: EUR, USD, GBP, HUF, PLN. If possible, try to deposit money to your brokerage account in your account's base currency.

Why is that important? If you fund your trading account in the same currency as your bank account, you won't have to pay a conversion fee. Conversion fees apply if the bank account or card you're using for depositing is denominated in a different currency than your brokerage account.

A convenient way to save on currency conversion fees is by opening a multi-currency bank account at a digital bank.

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76% of retail CFD accounts lose money

Deposit options at XTB: what's available and what does it cost?

At XTB, you have multiple options to choose from when you want to deposit money to your account. These options are the following: Bank transfer, Credit/debit cards, Paysafe, Skrill, ecommpay, PayU, PayPal. All these options are great; choose the one that's most convenient for you to be able to start trading.

Broker
Bank transfer
XTB
eToro
Capital.com
Deposit options at XTB and selected competitors

XTB charges no deposit fees for bank transfers. This is great because the broker won't deduct anything from your deposits, and you only have to calculate with the costs charged by your bank or other third-party financial service you send the money with.

However, remember that some brokers may charge a fee for deposit methods other than bank transfers, such as debit/credit card transfers or deposits via electronic wallets.

There is also a difference in typical transfer times for various deposit methods. Credit/debit card and e-wallet transfers are usually instant, but bank transfers may take 2-3 business days to arrive.

Imagine you're closely monitoring financial markets and spot a good trading opportunity you want to act upon right away. But what if there's not enough money in your broker account? In such cases, instant deposit methods like debit/credit card or electronic wallet transfers can come in handy. These can help you replenish your broker account immediately and react to market movements quickly and effectively. If this is important to you, consider opening an account with a broker that accepts instant deposit methods such as cards or e-wallets.

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76% of retail CFD accounts lose money

It's easy to deposit money to your XTB account

Making an initial deposit to your brokerage account can sound like a difficult task, but actually it's fairly easy. Just follow our step-by-step guide for depositing money and shortly you'll be ready to start trading:

  • Log in to XTB's client area
  • Look for the 'Deposit' or 'Funding' menu
  • Choose your funding method
  • Enter the amount to be deposited and other necessary details for the transaction
  • Double-check if payment details are correct
  • If all looks OK, click to submit your deposit request
This is how the deposit interface looks like at XTB

If you get stuck during the process, you can always reach out to XTB's customer support. At XTB, customer support can be reached via live chat, phone and email. Alternatively, you can drop a message on our Forum.

Visit broker
76% of retail CFD accounts lose money

Overall score
4.7/5
Minimum deposit
$0
Stock fee
Low
Index CFD fee
Low
Withdrawal fee
$0
Account opening
1 day
Visit XTB

76% of retail CFD accounts lose money

Want to unlock your perfect broker match?
Sign up to receive and save your personalized broker recommendations!

Get to know XTB and its best alternatives

For comprehensive insights into trading conditions, costs and overall service quality at XTB, turn to BrokerChooser's XTB review for 2024. Our analysis is based on nearly 600 individual data points as well as first-hand experience. We analyze brokers by opening a live account and executing trades on their platforms using real money, which helps us understand and evaluate the full spectrum of their services.

If you want to explore the best alternatives for XTB in your country, head over to our Compare Broker tool, where you can compare brokers by filtering for various criteria including minimum deposits, fees, tradable products and more.

Check out this short video for a behind-the-scenes peek into how our experts personally test and evaluate brokers.

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Further reading

Everything you find on BrokerChooser is based on reliable data and unbiased information. We combine our 10+ years finance experience with readers feedback. Read more about our methodology.

author
Adam Nasli
Author of this article
I bring extensive financial expertise as one of BrokerChooser's earliest team members. Personally, I tested nearly all 100+ brokers on our site, opening real-money accounts, executing trades, assessing customer services, and providing firsthand assessment. My professional background includes roles in the banking sector and a degree from Central European University, where I teach finance. My passions lies in in-depth research of the financial industry, building trading algorithms, and managing long-term investments.
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