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Account Funding · 2026

XTB Minimum Deposit 2026

How much do you need to open a XTB account, which payment methods are accepted, and how does it compare to the lowest-deposit EU brokers?

ESMA Risk Warning

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 understand how CFDs work and whether you can afford to take the high risk of losing your money.

Quick Answer

XTB minimum deposit is zero. There is no minimum deposit requirement.

Accepted Deposit Methods

Payment options available to fund your XTB account.

Bank Transfer
Credit/Debit Card
PayPal
Skrill
Neteller

Frequently Asked Questions

What is the minimum deposit for XTB?
XTB's minimum deposit is zero. This applies to the standard retail account opened through the KNF-regulated entity and covers the most common funding methods accepted by the broker.
How can I deposit funds at XTB?
XTB accepts the following deposit methods in 2026: Bank Transfer, Credit/Debit Card, PayPal, Skrill, Neteller. Bank transfers typically clear within 1-3 business days, while card and e-wallet deposits are usually processed instantly.
Can I open a XTB account with less than zero?
XTB has no minimum deposit requirement, so you can fund your account with any amount you are comfortable risking.
Is the minimum deposit refundable at XTB?
Yes, deposited funds at XTB belong to you and can be withdrawn at any time. Withdrawals are processed via Free (above EUR 100). KYC verification must be completed before the first withdrawal.
What currencies does XTB support for deposits?
XTB supports multiple base currencies including EUR as shown on the account. EU traders should open an EUR-denominated account where possible to avoid currency conversion fees on every deposit.

Open a XTB account

Get started with zero in a fully EU-regulated environment.

Read Full ReviewVisit XTB

CFD Risk Warning

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 understand how CFDs work and whether you can afford to take the high risk of losing your money.

This website is for informational purposes only. The content does not constitute investment advice. Trading leveraged products carries a high level of risk and may not be suitable for all investors. Past performance is not indicative of future results. EU retail leverage limits apply (ESMA): up to 30:1 on major FX pairs, 20:1 on minor FX, 20:1 on major indices, 10:1 on commodities, 5:1 on equities, 2:1 on crypto.