How to Withdraw and make a Deposit on XTB

How to Withdraw Money from XTB

Withdrawal rules on XTB

Withdrawals can be made at any time, giving you 24/7 access to your funds. To withdraw money from your account, navigate to the Withdrawal section of your Account Management. You can check the status of your withdrawal at any time in the Transaction History.

Money can be sent back only to the bank account under your own name. We will not send your funds to any 3rd party bank accounts.

• For Clients who have an account with XTB Limited (UK), there is no fee charged for withdrawals as long as they are above £60, €80, or $100.

• For Clients who have an account with XTB Limited (CY), there is no fee charged for withdrawals as long as they are above €100.

• For Clients who have an account with XTB International Limited, there is no fee charged for withdrawals as long as they are above $50.

Please refer to the below for the withdrawal processing time:

• XTB Limited (UK) - on the same day as long as the withdrawal is requested before 1pm (GMT). Requests made after 1pm (GMT) will be processed the next working day.

• XTB Limited (CY) - not later than the next business day following the day on which we received the withdrawal request.

• XTB International Limited - Standard processing time for withdrawal requests is 1 business day.

XTB covers all costs charged by our bank.

All other potential costs (Beneficiary and Intermediary bank) are paid by the client according to the commission tables of those banks.
 

How to Withdraw Money from XTB [Web]

Start by visiting the XTB homepage. Once there, choose "Log in" and then proceed to "Account management".

You will then be taken to the login page. Enter the login details for the account you previously created in the designated fields. Click "SIGN IN" to continue.

If you haven’t signed up for an XTB account yet, please refer to the instructions provided in this article: How to Register Account on XTB.

In the Account Management section, click on "Withdraw funds"  to enter the withdrawal interface.

Currently, XTB supports withdrawal transactions through Bank Transfer under the following two forms depending on the amount you wish to withdraw:

• Quick Withdrawal: less than 11.000 USD.

• Bank Withdrawal: more than 11.000 USD.

If the withdrawal amount is $50 or less, you will be charged a $30 fee. If you withdraw more than $50, it is completely free.

Express withdrawal orders will be successfully processed to bank accounts within 1 hour if the withdrawal order is placed during business hours on weekdays.

Withdrawals made before 15:30 CET will be processed the same day the withdrawal is made (excluding weekends and holidays). The transfer usually takes 1-2 business days.

All costs that may arise (when transferring between banks) will be paid by the customer according to the regulations of those banks.

The next step is to select the beneficiary bank account. If you don’t have your bank account information saved in XTB, choose "ADD NEW BANK ACCOUNT" to add it.

You can only withdraw funds to an account in your own name. XTB will refuse any withdrawal request to a third-party bank account.

At the same time, select "Manually via form" and then click "Next" to manually enter your bank account information.

Below are some of the required fields you need to fill in the form:

1. Bank account number (IBAN).

2. Bank name (the international name).

3. Branch Code.

4. Currency.

5. Bank identifier code (BIC) (You can find this code on the authentic website of your bank).

6. Bank Statement (The document in JPG, PNG, or PDF confirming your bank account ownership).

After completing the form, select "SEND" and wait for the system to verify the information (this process can take from a few minutes to a few hours).


Once your bank account is verified by XTB, it will be added to the list as shown below and become available for withdrawal transactions.

Next, enter the amount you want to withdraw into the corresponding field (the maximum and minimum withdrawal amounts depend on the withdrawal method you choose and the balance in your trading account).

Please note the "Fee" and "Total amount" sections to understand the amount you will receive in your bank account. Once you agree with the fee (if applicable) and the actual amount received, select "WITHDRAW" to complete the withdrawal process.

How to Withdraw Money from XTB [App]

Start by opening the XTB Online Trading app on your mobile device and make sure you’re logged in. Then, tap "Deposit Money" located at the top left corner of the screen.

If you haven’t installed the app yet, please check the article provided for installation instructions: How to Download and Install XTB Application for Mobile Phone (Android, iOS)

Next, in the "Select type of order" panel, choose "Withdraw Money" to proceed.

Then, you will be directed to the "Withdraw Money" screen, where you should:

1. Select the account that you wish to withdraw.

2. Selec the withdraw method depending on the amount of money that you wish to withdraw.

Once you finish, please scroll down for the next steps.

Here are some important details you need to focus on:

1. Enter the amount of money that you wish to withdraw in the blank.

2. Check the fee (if applicable).

3. Check the total amount of money deposited into your account after deducting any fees (if applicable).

After completing all the above steps, select "WITHDRAW" to proceed with the withdrawal.

NOTE: If you withdraw under 50$, a 30$ fee will be charged. No fee will be applied for withdrawals from 50$ and above.

The following steps will take place within your banking app, so follow the on-screen instructions to complete the process. Good luck!
 

Frequently Asked Questions (FAQ)

Where can I check the status of my withdrawal order?

To check the status of your withdrawal order, please log in to Account Management - My Profile - Withdrawal History.

You will be able to check the date of the withdrawal order, the withdrawal amount as well as the status of the withdrawal order.
 

Change bank account

To change your bank account, please log in to your Account Management page, My Profile - Bank Accounts.

Then click the Edit icon, complete the required info, and motion, and upload a document confirming the bank account holder.
 

Can I transfer funds between trading accounts?

Yes! It is possible to transfer funds between your real trading accounts.

Fund transfer is possible both for trading accounts in the same currency and in two different currencies.

🚩Fund transfers between trading accounts in the same currency are free of charge.

🚩Fund transfers between trading accounts in two different currencies are subject to a fee. Each currency conversion involves charging a commission:

• 0.5% (currency conversions performed on weekdays).

• 0.8% (currency conversions performed on weekends and holidays).

More details about commissions can be found in the Table of Fees and Commissions: https://www.xtb.com/en/account-and-fees.

To transfer funds, please login to the Client Office - Dashboard - Internal transfer.

Select the accounts between which you would like to transfer money, enter the amount, and Continue.

How to make a Deposit in XTB

Deposit Tips

Funding your XTB account is a straightforward process. Here are some useful tips to ensure a smooth deposit experience:

• The Account Management displays payment methods in two categories: those readily available and those accessible after account verification. To access the full range of payment options, make sure your account is fully verified, meaning your Proof of Identity and Proof of Residence documents have been reviewed and accepted.

• Depending on your account type, there may be a minimum deposit required to start trading. For Standard accounts, the minimum deposit varies by payment system, while Professional accounts have a fixed minimum initial deposit limit starting from USD 200.

• Always check the minimum deposit requirements for the specific payment system you plan to use.

• The payment services you use must be registered in your name, matching the name on your XTB account.

• When selecting your deposit currency, remember that withdrawals must be made in the same currency chosen during the deposit. Although the deposit currency does not need to match your account currency, be aware that exchange rates at the time of the transaction will apply.

• Regardless of the payment method, ensure that you have entered your account number and any other required personal information accurately to avoid any issues.

How to Deposit to XTB [Web]

Domestic Transfer

First, visit the homepage of XTB. Then, select "Log in" followed by "Account management".

Next, you will be directed to the login page. Please enter the login information for the account you previously registered into the corresponding fields. Then click "SIGN IN" to proceed.

If you do not yet have an account with XTB, please follow the instructions in the following article: How to Register Account on XTB.

Next, go to the "Deposit funds" section and select "Domestic transfer" to proceed with depositing funds into your XTB account.

The next step is to enter the amount you want to deposit into your XTB account, with the following three details:

1. The amount you wish to deposit (according to the currency selected when you registered your account).

2. The amount converted into the currency specified by XTB/the bank in your country (This may include conversion fees depending on the bank and country).

3. The final amount after conversion and deduction of conversion fees (if any).

After reviewing and confirming the information regarding the amount and any applicable fees, click the "DEPOSIT" button to proceed with the deposit.

At this point, you have three ways to deposit funds into your account, including:

1. Bank transfer via Mobile Banking, Internet Banking, or at the counter (notice available immediately).

2. Mobile Banking App to scan the QR code to pay.

3. Make payment by logging into your Internet Banking account.

Additionally, on the right side of the screen, you will find some important information to note when performing a domestic transfer:

1. Order value.

2. Payment code.

3. Content (Remember that this is also the content to include in the transaction description so that XTB can verify and confirm your transaction).

In the next step, select the transaction method that is most convenient for you (bank or local e-wallet), then fill in the information in the corresponding fields as follows:

1. First and last name.

2. Email address.

3. Mobile number.

4. Security code.

After completing the selection and filling in the information, click "Continue" to proceed to the next step.

In the next step, complete the deposit process based on your initial selection. Follow the on-screen instructions to finish. Good luck!

E-wallet

First, please also access the homepage of XTB. Then, click "Log in" followed by "Account management".

Next, you will be directed to the login page. Please enter the login information for the account you previously registered into the corresponding fields. Then click "SIGN IN" to proceed.

If you do not yet have an account with XTB, please follow the instructions in the following article: How to Register Account on XTB.

Next, navigate to the "Deposit funds" section and choose one among the available E-Wallets (Please note that this list may change depending on the platforms available in your country) to initiate the deposit of funds into your XTB account.

Please be aware that you can only fund your account from a bank account or card in your name. Any third-party deposits are not allowed and can result in delayed withdrawals and restrictions on your account.

The next step is to enter the amount you wish to deposit into your XTB account, considering the following three details:

1. The amount you want to deposit (based on the currency selected during account registration).

2. The converted amount into the currency specified by XTB/the bank in your country (conversion fees may apply depending on the bank and country, 2% fee for Skrill and 1% fee for Neteller).

3. The final amount after conversion and deduction of any conversion fees.

After reviewing and confirming the details of the amount and any applicable fees, click the "DEPOSIT" button to proceed with the deposit.

First, please proceed to log in to that E-wallet.

At this step, you have two ways to complete the transaction:

1. Pay with credit or debit card.

2. Pay with the balance in your e-wallet (If you choose this option, the remaining steps will be guided within the application on your mobile device).

If you choose to complete the transaction with a card, please fill in the necessary information as follows:

1. Card number.

2. Expiry date.

3. CVV.

4. Check the box if you want to save your card information for more convenient future transactions (this step is optional).

After ensuring that all the information is correct, select "Pay" and follow the on-screen instructions to complete the process.

Bank Transfer

Start by visiting the XTB homepage. Once there, choose "Log in" and then proceed to "Account management".

You will then be taken to the login page. Enter the login details for the account you previously created in the designated fields. Click "SIGN IN" to continue.

If you haven’t signed up for an XTB account yet, please refer to the instructions provided in this article: How to Register Account on XTB.

Next, navigate to the "Deposit funds" section and choose "Bank Transfer" to initiate depositing funds into your XTB account.

Unlike Domestic Transfer, Bank Transfer allows for international transactions but has some drawbacks such as higher transaction fees and taking longer time (a few days).

After selecting "Bank Transfer", your screen will display a transaction information table including:

1. BENEFICIARY.

2. SWIFT/ BIC.

3. TRANSFER DESCRIPTION (YOU NEED TO ENTER THIS CODE EXACTLY INTO THE TRANSACTION DESCRIPTION SECTION TO ENABLE XTB TO CONFIRM YOUR TRANSACTION. EACH TRANSACTION WILL HAVE A UNIQUE CODE THAT IS DIFFERENT FROM OTHERS).

4. IBAN.

5. BANK NAME.

6. CURRENCY.

Please note that: Transfers to XTB must be made from a bank account registered on the Customer’s full name. Otherwise, the funds will be returned back to the source of the deposit. The refund could take up to 7 working days.

How to Deposit to XTB [App]

First, open the XTB Online Trading app (logged in) on your mobile device and select "Deposit Money" at the top left corner of the screen.

If you haven’t installed the app, please refer to the following article: How to Download and Install XTB Application for Mobile Phone (Android, iOS)

Then, in the "Select type of order" panel, continue by selecting "Deposit money".

Next, you will be taken to the "Deposit money" screen, where you will need to:

1. Select the destination account that you wish to deposit in.

2. Select the payment method.

After making your selection, scroll down to continue filling in the information.

There will be a few pieces of information you need to pay attention to here:

1. The amount of money.

2. The depositing fee.

3. The total amount of money deposited into your account after deducting any fees (if applicable).

After you have carefully reviewed and agreed to the final deposit amount, select "DEPOSIT" to proceed with the transaction.

Here, the process for depositing money will vary depending on the payment method you initially selected. But don’t worry, detailed instructions will be displayed on the screen to help you complete the process. Good luck!

Frequently Asked Questions (FAQ)

What transfer method can I use?

You can deposit funds via a variety of methods;

• UK Residents - bank transfers, credit and debit cards

• EU Residents - bank transfers, credit and debit cards, PayPal and Skrill

• MENA Residents - bank transfers and debit cards

• For Non-UK/EU Residents - bank transfers, credit and debit cards, Skrill, and Neteller

How fast will my deposit be added to my trading account?

All deposits except for bank transfers are instant and you will see this reflected in your account balance immediately.

Bank transfers from the UK/EU are normally added to your account within 1 working day.

Bank transfers from other countries can take from 2-5 days to arrive, depending on the country you send money from. Unfortunately, this depends on your bank and any intermediary bank.
 

Cost of receiving/transferring shares

Transfer stocks from other brokers to XTB: We do not charge any fees when you transfer stocks to XTB

Transfer shares from XTB to another broker: Please note that the cost of transferring shares (OMI) from XTB to another exchange is 25 EUR / 25 USD per ISIN, for shares listed in Spain the cost is 0.1% of the share value per ISIN (but not less than 100 EUR). This cost will be deducted from your trading account.

Internal stock transfers between trading accounts at XTB: For internal transfer requests, the transaction fee is 0.5% of the total value calculated as the purchase price of the shares per ISIN (but not less than 25 EUR / 25 USD). The transaction fee will be deducted from the account the shares are transferred to based on the currency of this account.
 

Is there a minimum deposit?

There is no minimum deposit to start trading.
 

Do you charge any fees on deposits?

We do not charge any fees on depositing money via bank transfer, or credit and debit cards.

• EU Residents - no fee for PayPal and Skrill.

• For Non-UK/EU Residents - 2% fee for Skrill and 1% fee for Neteller.

Conclusion: Effortless Deposits and Withdrawals with XTB

Managing your finances on XTB is both convenient and secure, thanks to its streamlined deposit and withdrawal processes. Depositing funds is straightforward, with multiple secure payment options available to suit your preferences. Similarly, withdrawing funds is designed to be efficient, with quick processing times ensuring you have access to your money when you need it. XTB’s platform offers a seamless experience for handling transactions, backed by robust security measures to protect your financial information.