XTB Minimum Deposit and Funding Options

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According to the latest data as of July 2025, the minimum deposit for XTB stands at 0 USD, which is considered a low level. This figure is lower than the average minimum deposit of 310 USD found among over 300 brokers analyzed by Traders Union.

Key information about depositing money on XTB
XTB
Minimum deposit	0$
Deposit fee	0$
Bank Wire
Visa / Mastercard
PayPal
Study review

Are here any fees or charges for making deposits at XTB?

No, there are no fees or charges for making deposits at XTB. However, fees may still be applied by the payment systems used. For example, credit card transactions can incur an average fee of 1-3% from the provider. If the broker does not separately compensate for this amount, you should be prepared for these additional costs.

XTB deposit and withdrawal fees vs competitors
	Deposit fee, %	Withdrawal fee, %	Withdrawal fee, USD
XTB	0	0	0
Plus500	0	0	0
Pepperstone	0	0	0

What deposit methods does XTB support? How long does account funding tipically take?

We have highlighted the popular payment systems and noted those supported by XTB, along with the typical time required for transaction processing on the system's side.

It's important to note that some brokers only process deposits during business hours, so it is advisable to check the working hours with customer support. The availability of the Instant funding option indicates that deposits are processed automatically.

	XTB	Typical Deposit Time
Visa / Mastercard		Instant to 2 business days
Bank Wire		1 to 5 business days
Skrill		Instant to 1 business day
Neteller		Instant to 1 business day
BTC		10 minutes to 1 hour
USDT		5 minutes to 1 hour

What are XTB base account currencies?

For many traders, having an account in the base currency of their country or the asset they intend to trade is crucial. This helps avoid conversion fees Conversion fees occur when the deposit currency differs from your brokerage account currency and typically include an exchange rate markup and service charges, increasing your overall trading costs. To avoid conversion fees, fund your trading account in the same currency as your bank account. , simplifies accounting, and makes it easier to track performance in a familiar currency. Below, we compare the base account currencies available at XTB with those offered by its competitors.

XTB account currency vs competitors
	XTB	Plus500	Pepperstone
USD
EUR
GBP
AUD
NGN
ZAR
CAD
NZD
CHF
INR
JPY
Gold
BTC

How much money do I need to start trading on XTB?

The minimum amount required to start trading can differ from the advertised minimum deposit on XTB. Some brokers claim to have no minimum deposit requirement, which means no minimum amount is needed to open an account. However, a certain amount is still necessary for actual trading.

The required trading amount to start trading on XTB depends on the lot size and available leverage. We recommend not using leverage higher than 1:30, as suggested by most Tier-1 Forex regulators. The minimum amount required to start trading a micro lot with 1:30 leverage on XTB is approximately $33.

Minimum Trading Amounts for Different Lot Size
	Standard Lot	Mini Lot	Micro Lot
1:1	$100,000	$10,000	$1,000
1:10	$10,000	$1,000	$100
1:30	$3,334	$334	$33

Notes:

Standard Lot: A standard lot is 100,000 units of the base currency.
Mini Lot: A mini lot is 10,000 units of the base currency.
Micro Lot: A micro lot is 1,000 units of the base currency.

Does XTB offer a low minimum deposit Сent account?

Yes, XTB offers a Cent account. This means that you can start trading at XTB with a very low minimum deposit, as little as a few dollars. The account balance and trade sizes are displayed in cents instead of dollars, making it easier for beginners to start trading without committing large amounts of money. This type of XTB account is ideal for those who want to practice trading strategies with minimal financial risk

All account types of XTB

How to Start Making Profits — Guide for Traders

The XTB broker offers several types of accounts. The Standard account is more suitable for novice traders, while the Pro and Islamic accounts are designed for professionals. The main differences between the accounts are: the minimum spread size, additional commissions for contracts for cryptocurrency, stocks, and indices, as well as the existence of swaps.

Types of accounts:

Account Type

Description

Standard

It’s an account with a deposit of $1. The minimum spread is 0.5 pips. Leverage is up to 1:500. The minimum lot size is 0.01. There is no additional commission for cryptocurrency, stock, and index contracts. This is the best option for beginners;

Swap Free

It’s an account with a deposit of $1. The spread floats and the minimum spread for currency pairs is 0.7 pips. The minimum lot size is 0.01. Leverage is up to 1:500. Additional commission for contracts for cryptocurrency, stocks, and indices is from $10. A distinctive feature of this type of account is that no swap is charged. It’s designed for clients who practice Islam.

The broker also has the opportunity to open a demo account, but only for four weeks. After that, the demo account is blocked.

XTB is a broker that focuses mostly on experienced traders.

How to buy/sell instruments at XTB

Open real account

How to deposit money to the XTB trading account?

Depositing money into your XTB trading account is simple and quick. Follow these 6 easy steps:

Log In to Your Account
- Go to the XTB website xtb.com or mobile app.
- Enter your username and password to log in to your trading account.
Go to the Deposit Section
- Navigate to the "Deposit" or "Funding" section in the main menu or account settings.
Select a Payment Method
- Choose your preferred payment method from the options available: BTC, Visa / Mastercard, Skrill, Bank Wire, Neteller, USDT
Enter Deposit Details
- Specify the amount you wish to deposit. Keep in mind that XTB minimum deposit is 0$
- Provide the necessary information for the chosen payment method.
Confirm the Transaction
- Review your deposit details for accuracy.
- Click "Deposit" or "Submit" to confirm the transaction.
Check Your Account Balance
- Once the deposit is processed, verify that the funds are credited to your account balance.

Pro tips for beginning traders

The following expert-backed practical advice can save you time, money, and potential headaches in terms of deposits and account management.

Many forex brokers offer attractive deposit bonuses ranging from 10% to 100% of your initial deposit. These bonuses can provide extra trading power by augmenting capital, potentially boosting gains.

While bonuses and different promotions from XTB or any broker can be beneficial, especially for new traders looking to increase their trading capital, it's essential to view them as a tool rather than free money. Statistics show that only a small fraction of traders who accept bonuses actually manage to meet all conditions and fully benefit from them.

Key aspects to consider include:

Most bonuses require you to trade a certain volume before you can withdraw the bonus or profit from its usage.
Bonuses typically have an expiration date. The average timeframe in the industry is 30 to 90 days.
Impact on trading strategy - traders with bonuses often are more likely to engage in high-risk trading behaviors.