Are you concerned about making a withdrawal at XTB? The simple answer is that it shouldn’t be hard. This is a licensed broker where withdrawals are easy, provided that you have completed the verification process. The majority of clients will find it easy to initiate a withdrawal request through their client portal within minutes.
In this article, you will learn about how to make a withdrawal at XTB, how long it takes, possible fees, withdrawal problems, and how to prevent them. Want to see how XTB compares before opening an account? Read our full XTB review.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 72% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Step-by-step: XTB withdrawal process
This is the procedure that most XTB users have to undertake:
Log in to your XTB account
Log in to your XTB user account via your registered email and password.
Click on withdrawals
Navigate to the Withdrawals tab in your dashboard.
Choose your withdrawal method
Pick one of the withdrawal options that is available for you to use.
Specify the withdrawal amount
Specify the amount of cash you intend to withdraw from XTB.
Confirm the request
Check your withdrawal information and confirm the request.
Wait for XTB to process
XTB processes the withdrawal request before transferring funds to your bank or payment processor.
Get your funds
Funds are transferred to your bank after processing within the time taken by the bank to settle payments.
In case you want to add funds for trading purposes, check out our guide on How to Deposit Money to XTB.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 72% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
XTB withdrawal methods explained
The available withdrawal methods may vary depending on your country and regulated entity.
| Withdrawal method | Availability | Typical use |
|---|---|---|
| Bank transfer | Widely available | Primary withdrawal method for most clients |
| Card | Available in selected countries and entities | Returning funds to a previously used payment card |
| Skrill | Available for some non-EU/non-UK clients | Alternative e-wallet withdrawal option |
| Neteller | Available for some non-EU/non-UK clients | Alternative e-wallet withdrawal option |
- Bank transfer: Transferring money through banks is the most common way of withdrawing money from XTB. Usually, funds are transferred to the bank account under the name of the client.
- Card refund: In some countries, deposit funds should first be refunded to the original card.
- Local banking systems: In certain territories, there are local banking systems that can facilitate quick settlement.
Why should the funds be withdrawn using the same payment method?
A lot of people think that it is a restriction of the broker. Actually, it is the procedure of anti-money laundering (AML) and fraud prevention that is widely applied in the regulated brokerage business.
From the practical point of view, brokers usually require the return of the money to the original funding account whenever possible.
How long does an XTB withdrawal take?
The amount of time needed to complete the process of withdrawing money from XTB consists of two different steps:
| Steps | Common timeframe |
|---|---|
| XTB processing | Usually within the same business day or the following one |
| Settlement of funds by bank/payment processor | Settlement of funds by bank or payment processor within 1 to 3 business days |
| International bank transfers | It can take several business days, depending on the payment system used |
The mistake made by many traders
If traders face problems receiving their money due to the delay in withdrawal, most likely this delay happens after the withdrawal has been processed and approved by the broker. Once the withdrawal is made, the further time spent on its completion depends on several external factors, which include:
- The work of banking systems
- The intermediary banks
- Weekends and holidays
- International banking networks
- Local rules of working with payments
That means that if you need several days to receive your withdrawal, it doesn’t mean anything wrong about the withdrawal process itself.
Are there any XTB withdrawal fees?
XTB’s withdrawal fees depend on the entity under which your account is held and the withdrawal amount.
- Withdrawal above $50: Free
- Withdrawal below $50: $30 fee
- Currency conversion fee: 0.5% (may apply if currencies differ)
- Recipient bank charges: possible
- Intermediary bank charges: possible
An important thing to note is that transactions made for less than $50 have to pay $30 for the transaction. Because the fee can significantly reduce the amount received, withdrawing more than $50 is usually the more economical option.
You should always verify the latest requirements applicable to your specific XTB entity. Looking for a broker with transparent fees and a straightforward withdrawal process? See our guide to XTB fees and commissions.
Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Your capital is at risk.
Minimum withdrawal amount on XTB
The minimum withdrawal amount can vary based on the regulated entity managing your trading account. In most jurisdictions:
- No fixed minimum withdrawal amount must be set
- A small withdrawal can lead to the administration fee being charged
- Local means of payment can have different minimums
Before making a withdrawal request, please verify the minimum withdrawal requirements displayed in your XTB client portal. When comparing withdrawal policies between brokers, you can use our comparison tool.
Common XTB withdrawal problems and fixes
Most XTB withdrawal problems are simpler to solve than you might think at first glance. The problem of delays, rejections, and verification is often due to bank processes or rules. This article will give you the most frequently occurring withdrawal problems and their solutions.
#1 Withdrawal pending for too long
COMMON PROBLEMS
- Bank holidays
- Weekend days
- Extra compliance analysis
- Banking system delays
FIXES
Give some time, depending on the estimated processing period, and find out your withdrawal status via the client portal.
#2 Withdrawal request rejected
COMMON PROBLEMS
- Incorrect bank details
- Unsupported withdrawal destination
- Account ownership mismatch
FIXES
Provide the correct data for the banking transaction and submit your request again.
#3 Verification required
COMMON PROBLEMS
- Incomplete KYC documentation
- Expired identification documents
- Regulatory review
FIXES
Submit the requested documents and wait for your account to be verified.
#4 Cannot withdraw to a different account
COMMON PROBLEMS
- Anti-money laundering laws
- Fraud protection measures
FIXES
Use an alternative payment option that you have created personally.
FIRST –HAND INDUSTRY INSIGHT
One of the biggest misconceptions in trading is that withdrawal delays automatically mean a broker is refusing to pay. In practice, regulated brokers are usually required to perform identity checks, source-of-funds reviews, and anti-money laundering verification before releasing funds. Most withdrawal delays are caused by compliance checks or banking settlement processes, not by the broker withholding money. Understanding this distinction can prevent unnecessary panic and help traders resolve issues faster.
Tips to get your money faster
Although the withdrawal from XTB is rather quick, there are some tricks that will help you save your time and get the money as soon as possible.
Complete verification early
Complete the verification of your account before requesting a withdrawal. The approval of your KYC documents in advance will avoid any delays in processing.
Use the same payment method
Try to withdraw money to the payment instrument from which you made your deposits. It will help you to comply with the regulations and speed up the process.
Avoid weekends and holidays
The banks work only on business days. Therefore, submitting the withdrawal on the working day will reduce your waiting time.
Double-check bank details
Make sure that all bank details are correct. Any mistake may cause rejection or delay of the transaction.
Is withdrawing from XTB safe?
Yes, XTB is regulated in several countries and follows the existing requirements for client money protection. Depending on the legal status of your trading account, regulation may involve:
- FCA (United Kingdom)
- CySEC (Cyprus)
- KNF (Poland)
Client funds are usually kept in segregated bank accounts, isolated from company operational funds. Requests for withdrawals are also processed following regulated compliance guidelines to ensure the safety of both the client and the financial industry.
Should you be looking for information regarding the general level of trustworthiness of XTB, you can check out our article about whether XTB is safe or a scam. This all together provides an explanation for the high visibility of XTB on the market.
Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Your capital is at risk.
Conclusion
The process of withdrawing money from XTB is easy and reliable if you have a verified account. Once you have completed the verification of your account, withdrawal applications can be made via the client’s portal in only a few minutes. The broker usually processes applications for withdrawal within one working day.
However, the timeframe for transferring the money to your bank account will depend on the payment system you choose. In order to make your application go smoothly, please make sure that your account is fully verified, you use your personal bank account, and the data you provide for making a withdrawal application is accurate.
Although there might be some delays because of compliance reviews, bank holidays, or processing, the withdrawal procedure at XTB meets industry standards for regulated brokers and helps in earning the high TC rating of 8.02/10.
Pro Tip
Want to receive your money faster? Complete all account verification requirements before submitting a withdrawal request, use your verified bank account, and avoid making withdrawal requests immediately before weekends or public holidays, as banking delays may extend processing times.
Frequently Asked Questions
1. How can I make withdrawals from XTB?
Sign in to your trading account and click the withdrawal tab. Select an eligible withdrawal option, enter the withdrawal amount, and then proceed with the request.
2. What is the minimum withdrawal amount on XTB?
Minimum thresholds depend on jurisdictions. In some instances, there is no hard and fast rule when it comes to withdrawal amount, but fees will be charged on lower amounts.
3. Which withdrawal options can I use at XTB?
Bank transfer is the main withdrawal method on offer, but in some cases, you can also get a refund via cards and some local payment methods.
4. How do I resolve XTB withdrawal problems?
Verify your identity and ensure that the information linked to your bank accounts is up to date. Banking settlement time should also be considered in the case of delays.
5. Is it safe to withdraw from XTB?
It is perfectly safe since XTB is regulated by recognized financial institutions and uses the fund management and withdrawal processes required by those regulations.
6. Is it possible to make withdrawals at all times on XTB?
Yes, withdrawal requests can be done anytime from the clients’ portal. However, processing occurs during business days.
