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XTB Minimum Deposit

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Adam N.
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Does XTB have a minimum deposit requirement as of February 2024?

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It's great that you are looking for deposit options at XTB to take charge of your finances. We would encourage you to carry on! Your future self will be grateful to you.

There are several ways to start your journey, let's walk through the options together!

To give you a brief summary: XTB is a trusted global CFD broker, listed on the Warsaw Stock Exchange. XTB is regulated by many financial authorities globally, including the top-tier FCA.

My key findings in a nutshell
Adam
Adam Nasli
Financial Wizard | Forex • Algo Trading • Market Analysis

I've thoroughly tested XTB services with our analyst team by opening a real-money account and these are my most important findings:

  • The minimum deposit at XTB is $0
  • XTB charges $0 for deposits
  • You can only deposit funds from accounts that are in your name
  • Visit XTB's page to start the process
  • XTB is a reliable broker regulated by at least one top-tier regulator

First, let's see if XTB is available in your country?

No, you can't open an account at XTB if you live in the United States!
the United States

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Disclaimer: 81% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.

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Is XTB safe?

To trust your money with a broker, you need to be sure that the broker is considered reliable. BrokerChooser only recommends regulated brokers, meaning the broker's operations are overseen by a trusted body.

XTB can be considered a legit broker, as it is overseen by several top-tier regulators, like the Financial Conduct Authority (FCA) or the Dubai Financial Services Authority (DFSA), which is a great sign for reliability.

For you, this means that your money is in good hands and you will be able to access your funds.

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What is the minimum deposit at XTB?

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

After you have completed the registration and verification process, you need to fund your account to start trading.

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

Brokers that don't require a minimum deposit do so to encourage people to try their services without requiring a large initial commitment.

Here's a tip: don't worry if you decide to switch brokers after depositing. You can always opt out and withdraw your funds.

Pay attention to the inactivity fee though. At XTB, there is an inactivity fee, with the following conditions: €10 per month after 1 year of trading inactivity and if no deposit was made in the last 90 days.

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"I like that XTB has zero minimum deposit requirements, meaning you can start trading with as little amount as you want. Despositing via credit or debit card makes funding a pretty straight-forward process for beginners too." - Bence András Rózsa, Broker analyst

What base currencies are available at XTB?

At XTB, the following base currencies are available: EUR, USD, GBP, HUF, PLN. Try to deposit money to your brokerage account in your account's base currency, otherwise you will be charged a conversion fee.

To avoid high conversion fees, consider opening a multi-currency account at a digital bank.

What deposit methods are available at XTB?

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 most convenient one for you to be able to start trading. And remember, you can only deposit funds from accounts that are in your name.

There is also a difference in average transfer time for different deposit methods. While credit/debit card and e-wallet transfers are usually instant, bank transfers may take 2-3 business days to arrive.

Deposit options XTB
Bank transfer Yes
Credit/Debit card Yes
Electronic wallet Yes

You can find a step-by-step guide on how to fund your account further down in this article.

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Is there any deposit fee at XTB?

The answer is no. No deposit fees will be applied at XTB.

This is great because the broker won't deduct anything from your deposits, and you only have to calculate with the costs charged by the bank, or other third-party financial service you send the money with.

That is in case you fund your account through a bank transfer or credit/debit card. For electronic wallets a general fee will apply. However, XTB will always let you know the fee that will be charged for deposits when selecting the 'Deposit funds' at the bottom left corner on their platform.

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How to deposit money to XTB account?

Here's a step-by-step guide:

  • Log in to your XTB trading account
  • Click 'Deposit Funds' on the bottom left corner
  • Select a funding method
  • If you have selected one of the credit card options:
    • Click 'Deposit with a new card' if you have not added a card before
    • Provide your card's information and click 'OK'
    • Click 'Deposit'
  • If you have selected Bank transfer:
    • All the necessary details will be provided to you
    • Log into your personal bank account and start a wire transfer
  • If you have selected an Electronic Wallet:
    • Provide the amount you wish to deposit
    • Start the payment and log into your E-wallet account to confirm
The interface to send the minimum deposit to 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.

Wrap-up

It is awesome that you have read through this article! We know that depositing can be frustrating, but you are on the right track, and it is okay to ask for help if you are unsure about something.

If you are stuck somewhere, have a question, or a suggestion, please drop a message on our Forum.

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

Author of this article

Adam Nasli

Financial Wizard | Trading • Safety • Market Analysis

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.

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.

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