XTB Minimum Deposit Guide

logomark Luca Puddu calendar Last Updated: January 2022 timer 5 min read

When trading through XTB, as with any other major forex broker, a key point is always how to fund your account and how much you actually need in order to do that.

In our XTB review, you will have noted some of these details.

Here we will go into greater details about the exact methods available for deposit, and the XTB minimum deposit required so you can get your account up and running quickly and efficiently.

Table of contents

What is the XTB Minimum Deposit?

The XTB minimum deposit is $0. Having no minimum deposit at all makes for a great starting point to many traders. However, for non-EU traders there are bonuses attached to how much you deposit: the higher the tier you qualify for the more benefits you will be rewarded, such as more competitive spread.

XTB minimum deposit Features
Minimum Deposit $0
Deposit Fees No
Withdrawal Fees No
Base Currencies USD, EUR, GBP

XTB Standard Account

The XTB standard account type actually features no minimum deposit at all (you can also see how XTB ranks among the best in our selection of the best no minimum deposit forex brokers). This is applicable around the world. The lack of an XTB minimum deposit on the standard account is great news if you want to start trading.

Furthermore, for those who may be located outside the purvue of FCA and CySEC regulation. there are a variety of benefits attached to how much you can deposit. The more you can deposit, the more benefits you can be eligible for in terms of competitive spreads, bonuses, and other features.

The following is a listing of how much you need to deposit in order to qualify for each tier and the associated privilege of that level:

In Latin America, as you can gather from our complete XTB broker review, a deposit up to $1499 is considered tier 3, from there up to $14,999 is tier 2, and anything above that amount qualifies as tier 1.

Under global market regulations, up to $99 is tier 3, from $100 to $24,999 is tier 2, and an XTB deposit of more than this amount is considered to be tier 1.

Comparison with Other Major Brokers


CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.
Between 74-89% of retail investor accounts lose money when trading CFDs.
You should consider whether you can afford to take the high risk of losing your money

XTB Plus500 AvaTrade
Minimum Deposit $0 $100 $100
Bank Wire Transfer Yes Yes Yes
Credit/Debit Card Yes Yes Yes
PayPal No Yes No
Skrill Yes Yes Yes
Neteller Yes No Yes
Number of Deposit Methods 11 5 6

Account Base Currency

In regard to the XTB base currency which is accepted and available, they do not make this information accessible on their site, but generally speaking, the base currency availability will depend on your own account location.

USD, EUR, and GBP are typically the most widely available deposit currencies for any traders within major forex brokers.

With that said, if your preferred base currency is not available, you can still deposit in that currency most of the time. You will simply then incur a currency conversion fee to convert the currency you deposited into one of the accepted base currencies.

XTB Funding and Deposit Methods

Perhaps the most important factor when it comes to your deposit, is the XTB deposit methods available. These are listed below in detail and you have several options available to you. Here is a closer look:

Bank Transfer

The XTB broker minimum deposit by bank transfer is available on accounts around the world. Deposits through this method do not incur any fees from XTB though you should check with your financial institution whether they levy any kind of fee on the transaction.

As for the available currencies to make your XTB deposit, these are EUR, USD, GBP, and HUF if you are located in the UK or China. If you are located anywhere else in Europe, then only Euro transfers will be available.

All other countries worldwide accept only USD deposits with the exception of Turkey which accepts both TRY and GBP, and South America where CLP is available.

If you are making an XTB bank transfer deposit, you will be pleased to note that there is no minimum deposit imposed.

Credit Cards

XTB deposit by credit card is available around the world, but not within Turkey. This is the only current exception, and Visa, Mastercard, and Maestro are all accepted for deposit. This deposit method is also fee-free from the XTB side.

Within both the UK and China, EUR, USD, and GBP are accepted for deposit. The rest of Europe allows only Euro deposits, and each other country worldwide accepts USD deposits only.

Again with this method as with many of the deposit methods, there is no XTB minimum deposit in place.


There are various eWallet deposit methods available for XTB around the world. The only exception to this is Turkey where they are not available. When it comes to deposits in Europe, only PayU is accepted although, for other countries around the world, PayPal and Skrill are both available to use.

You can check our selection of top PayPal forex brokers if this is your preferred payment method.

Again in the UK and China deposits can be made with this method using EUR, USD, GBP, or HUF. In every other country, USD is accepted only.

The maximum XTB deposit fee applied here is up to 2%, though this depends on the country you are located in and it may be free within some nations.

Other Methods

If none of the above methods fit your requirements for an XTB deposit, then there are some other ways. These will also differ and depend on the location where you are based.

If you are located in the Latin America region, PaySafe is accepted as an XTB deposit method. Here the only accepted currency for deposit is USD and there is no applicable minimum deposit.

If you fall under the global regulatory area, you may also have access to a variety of local payment methods under a variety of conditions often with no fee charged.

xtb funding methods

Deposit Bonus

Previously, the offering of XTB bonus amounts was commonplace outside the CySEC and FCA regulatory areas. Now though, this system has changed and the company no longer offers any kind of free bonus amounts to traders.

It is worth keeping in mind though that if you deposit enough, depending on your location you may qualify for one of the higher tier levels and gain privileges that way.

If you’re still interested in a deposit bonus you may check our top ten selection for forex brokers bonus promotions to find a broker that fits your needs.

XTB Minimum Deposit FAQs

Is XTB trustworthy?

Yes. XTB is a trustworthy broker which is very well-regulated by the FCA in the UK, KNF and CySEC within Europe, and the IFSC in other international markets. These make up some of the most respected bodies in world finance and ensure a transparent operation.

What are the available XTB deposit methods?

Several methods are available for making your XTB deposit. These include bank wires, credit and debit cards (Visa and Mastercard), eWallets (Skrill, Neteller, PayU), and other local deposit methods that may be available depending on your area.

What is the XTB minimum withdrawal?

There is a minimum withdrawal of $100 or equivalent if you don’t want to incur a 30% fee. Once your withdrawal has been approved it can take up to 3-days to be processed based on the withdrawal method you have selected.

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73% of retail investor accounts lose money

About the Author

Luca Puddu

Broker Expert

Always full of different interests, Luca started to get interested in the field of personal finance in 2014.

His self-taught studies led him year by year to become increasingly interested in the investment field.

To date, Luca actively invests in the stock market and cryptocurrencies, focusing on rising markets and the industries of the future.

His main role at InvestinGoal.com is to analyze and study in the smallest detail the brokers and their platforms, while checking carefully that the information shown by them is genuine.

In this way, he provides readers with a complete and truthful overview of the broker they might be interested in.

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