Funding and withdrawals FAQs

While there are no minimum deposits with StoneX Trading accounts, we recommend that you deposit an amount which is enough to substantially cover the margin requirement of your first trade. It is prudent to also have enough equity in your account to sustain any significant moves against your position.  

The minimum deposit limit for each transaction depends on the funding method:

• Card - £100 or equivalent for € and $ accounts.
• Bank wire - No minimum limit. 

You can fund your account using the following:  

• Debit card: Visa, MasterCard, Maestro and Electron  
• Credit card: Visa, MasterCard  
• Bank transfer  

Citibank cards cannot be used to fund accounts held with any spread betting provider. If you wish to fund from a Citibank account, you will need to do this by bank transfer. We do not accept cash payments paid directly into our bank account, and we are unable to accept third-party payments. Any such transfers will be rejected and returned to the original source. 

Debit card: Free  

Credit card: Free (Your card issuer may charge for credit card deposits)  

Bank transfer: Free

Yes, you can have a maximum of three cards registered to your account at any time. Use the funding link on the platform to add a new card.

Funds can only be deposited in the base currency of the account the funds originate from.

Once funds have been credited to your account, you will see them available on your trading account. Note that we do not send a confirmation of successful deposits.

Your bank may decline your transaction for a number of reasons, but we are not told why. These may include:  

• Insufficient funds  
• Incorrect expiry date  
• Incorrect CVC number (the 3-digit security code on the back of your card)  
• Invalid card number  
• Outdated address details  
• Incorrect 3DS details  

To resolve this, you will need to contact your card issuer. 

Visit the account section of the trading platform to transfer funds out of your account. 

If you would like further instructions, please contact Customer Support using one of the options on our ‘Contact Us’ page. 

For compliance purposes, client refunds can only be returned to the original funding source. For example, if you deposit funds into your account via debit card, funds will be returned to you via the same debit card, which must be registered on your account.

The maximum you can withdraw in a single transaction is £20,000 online. If withdrawing online on credit cards, there is a limit of £20,000 in 24 hours.  

If you wish to withdraw more than the limits online, please contact our client management team using one of the options on our ‘Contact Us’ page.  

The minimum withdrawal amount is £100, or all your available account balance (whichever is lower).  

No. Withdrawals are free of charge.

Please allow 3–5 business days for any card withdrawals.  

While domestic bank transfers are typically done in 1–2 business days, if your bank subscribes to the faster payments service, it could be in one business day.  

The maximum amount you can withdraw is called your 'available for withdrawal' balance. You may withdraw all or part of your money from your account at any time, if it is not already committed to any open trades. If you withdraw all of your funds, your account will still remain open for future use.  

Clients are allowed to withdraw any excess funds to any verified payment method.* 

*A bank statement may be required in order to verify the source of funding once card exposure is repaid in full. 

A small number of credit cards (including a few from MasterCard and Visa) will not allow us to pay funds back to your card. If you are using one of these cards, you will be notified when you attempt to make a withdrawal. If this is the case, we can arrange for your funds to be paid back to the bank account of your choice.  

To minimise the risk of card fraud we may also request some documentation from you before the bank transfer can be processed.  

You can withdraw money to any of your registered payment cards, but the card must have already made a successful deposit. There are no fees for withdrawals back to a payment card.  

Your net deposit amount reflects any deposits carried out with that particular payment method. It is calculated by subtracting your total withdrawals from your total deposits for that payment method. 

Net deposits are a facility we have in place to abide by several important financial regulations. We also use this for our own internal measures to combat security issues – such as money laundering, card theft and fraud.  

The net deposit on any registered payment method must be at zero before you can remove that payment method, or can withdraw any excess funds and gains.  

In short, you can only withdraw funds back to the payment method from which they came unless all net deposits are zero.  

Example 

Say you have two cards registered and deposit £100 from Card A and £150 from Card B. This gives you a net deposit of £250.  

You place all that money on a trade that subsequently closes, leaving your account balance at £350. This means that you will need to withdraw £100 to Card A and £150 to Card B before you can withdraw the remaining £100. 

Once those two amounts are withdrawn, the remaining balance can then be withdrawn to either card without issue. 

Note: Net deposits refer to deposits and withdrawals only. The net deposit figure is only affected by deposits or withdrawals to that specific payment method.  

If you have received a replacement for the previous payment method and already added it to your account, please contact us. We will require proof of identity in the form of bank statements before updating your account. We will be happy to remove the old version(s) for you.  

If you no longer have access to the previous payment method (and are dependent on several routine security checks), we will need to add new bank transfer information for you. Please contact client management for further assistance.