FXTM Minimum Deposit by Account Type and Payment Method

By BrokaBoy Research Team · Reviewed 14 October 2026 · Updated 14 October 2026 · 4 min read

FXTM's minimum deposit depends on the account: $30 for Micro, $100 for Rewards Plus, $200 for Rewards or Advantage Stocks, and $500 for Advantage (October 2026, Exinity Limited). The minimum only applies to your first deposit; top-ups after that can be any amount, though your payment provider may set its own limits.

FXTM

BrokaBoy score 8.2/10Listed min deposit $100Advertised spread 0.0 pipsRegulators FCA, CySEC, FSCA, CMA, FSCM

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CFDs are high risk. Capital at risk.

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Key takeaways

Micro is the cheapest way in at 30 USD or 30 EUR, traded in cents on MT4 only.
Rewards Plus needs 100 USD/EUR/GBP, 350 AED or 137,000 NGN; Advantage needs 500 USD/EUR/GBP.
The minimum applies to the first deposit only; later deposits can be any amount.
You must verify your identity before FXTM accepts any deposit.
A small balance is workable only with micro lots and tight risk control.

FXTM minimum deposit at a glance

The smallest amount you can open a live FXTM account with is 30 USD or 30 EUR, on the Micro account. Every other account asks for more, up to 500 for Advantage. These figures come from FXTM's account comparison page as of October 2026 and apply to clients of Exinity Limited, the Mauritius company that serves most countries.

Account	Minimum first deposit	Other currencies	Platform
Micro	30 USD / 30 EUR	110 AED (UAE)	MT4
Rewards Plus	100 USD / EUR / GBP	350 AED, 137,000 NGN	MT4, MT5
Rewards	200 USD / EUR / GBP	700 AED, 274,000 NGN	MT4, MT5
Advantage	500 USD / EUR / GBP	1,800 AED, 685,000 NGN	MT4, MT5
Advantage Stocks	200 USD	—	MT5

FXTM's help centre also lists an Edge account at 50 USD or 68,500 NGN. It does not appear on the main comparison page, so it may be limited to certain regions. If you see it offered, ask support what conditions it carries.

A note on conflicting figures

FXTM's general deposits and withdrawals page says the minimum initial deposit is 100 USD. That clashes with the 30 USD Micro figure on the account page. Our reading is that the 100 USD figure is a general default and the account-specific numbers override it, but the amount the cashier asks for when you fund a particular account is the one that binds you.

What the minimum actually buys you

A minimum deposit is an entry ticket, not a sensible trading balance. Here is what each level allows if you follow a common rule of risking no more than 1% of the account per trade on EUR/USD, where 0.01 lot is worth about $0.10 per pip.

Starting balance	1% risk	Lot size with a 20-pip stop	Comment
$30 (Micro, in cents)	$0.30	Below the smallest standard micro lot; cent-account sizing needed	Practice-scale only
$100 (Rewards Plus)	$1.00	0.005 lot, so 0.01 lot means 2% risk	Tight; one losing streak hurts
$200 (Rewards)	$2.00	0.01 lot	Workable with discipline
$500 (Advantage)	$5.00	0.025 lot	Room to size properly

Check the arithmetic with any row: $2.00 of risk divided by 20 pips is $0.10 per pip, which is 0.01 lot on EUR/USD. Use our position size calculator with your own stop distance.

Position size calculator

Instrument

Account currency

Account balance

Risk per trade (%)

Stop-loss (pips)

Amount at risk10.00 USD

Position size0.05 lots

Units5,000

Formula: lots = (balance × risk %) ÷ (stop-loss in pips × pip value per lot)

You enter all prices and exchange rates yourself; nothing is fetched live. Results are estimates and exclude broker-specific charges.

The lesson: the $30 and $100 tiers are fine for learning live execution with real money, but they leave almost no room for error. FXTM allows leverage of up to 1:1000 on Micro and up to 1:5000 on Rewards accounts, which means a tiny balance can open positions that wipe it out in a few pips. High leverage does not make a small account safer; it makes it faster to lose.

Which minimum should you choose?

Pick Micro (30 USD) if you want to test FXTM's platform, deposits and withdrawals with the least money. It trades in cents, has wider spreads (from 1.7 pips) and runs on MT4 only, with a limited instrument list. Read our explainer on cent accounts.

Pick Rewards Plus (100) if you want the full instrument range, MT5, and a commission-free account without committing much. Spreads start from 1.5 pips.

Pick Rewards (200) if you trade more often: spreads start lower, from 0.9 pips, still with no commission.

Pick Advantage (500) if you trade actively and want raw spreads from 0.0 pips plus a commission. The cost saving only matters once your volume is meaningful. Compare the options in our FXTM account types guide.

Does the payment method change the minimum?

FXTM sets the minimum by account type, not by payment method. However, each method can carry its own limits and fees, and FXTM only shows those after you log in and choose a method. Practical points:

Card and e-wallet deposits are usually instant once your profile is verified.
Local payment methods convert your local currency into the account currency at FXTM's own rate, so the amount credited can differ slightly from what you sent. Send a small buffer above the minimum.
Crypto deposits support more than 50 coins, according to FXTM, but network fees come out of your side.
Third-party payments are not accepted: the payer's name must match yours.

More detail is in our FXTM deposit methods guide.

Steps to make your first deposit

Register and verify your identity first. FXTM does not accept deposits from unverified profiles.
Open a live account of the type you want; the account type sets the minimum.
Go to Funds and choose your currency and method.
Enter at least the minimum for that account, check the fee shown, and confirm.
Check Transaction history to confirm the deposit has posted.

Costs that can eat into a small deposit

Two FXTM fees hit small accounts hardest, so plan around them:

Withdrawal without trading. If you withdraw without having placed a trade since your last deposit, FXTM may charge 3% of the amount. On a $100 withdrawal that is $3.
Inactivity fee. After three months with no trading, FXTM charges 10 USD, EUR or GBP a month until trading resumes or the balance reaches zero. A $30 account would be emptied in three months.

Withdrawal fees by method also matter: a $3 card withdrawal fee is 10% of a $30 balance. See our FXTM withdrawal guide.

FXTM

BrokaBoy score 8.2/10Listed min deposit $100Advertised spread 0.0 pipsRegulators FCA, CySEC, FSCA, CMA, FSCM

Visit FXTM

CFDs are high risk. Capital at risk.

Affiliate link - see our Methodology

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Most retail investor accounts lose money when trading CFDs. Consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. Full risk disclosure.

Our take

FXTM's entry level is genuinely low, and the spread between account minimums gives you a clear upgrade path. If we were starting with FXTM, we would deposit enough to risk 1% per trade at 0.01 lot with a realistic stop, which in practice means around $200, and keep the rest of our savings out of the market. Before funding, read is FXTM legit to understand which entity holds your money.

Frequently asked questions

What is the minimum deposit for FXTM?

It depends on the account. FXTM lists 30 USD or EUR for Micro, 100 USD, EUR or GBP for Rewards Plus, 200 for Rewards, 500 for Advantage and 200 USD for Advantage Stocks. Local-currency minimums exist in AED for UAE clients and NGN for Nigerian clients. These were the figures on fxtm.com in October 2026.

Can I open an FXTM account with $10?

Not a live trading account. The lowest minimum FXTM publishes is 30 USD on the Micro account; its help centre also mentions an Edge account at 50 USD that we could not find on the main account comparison page. A demo account needs no deposit at all, so use that if you only want to practise with a small amount.

Why does one FXTM page say the minimum is $100?

FXTM's general deposits page states a 100 USD minimum initial deposit, while the account comparison and help centre list lower figures for Micro and Edge. The account-specific figures are the ones that apply when you fund that account type. If the cashier shows a different number for your account, the cashier is what counts.

Is there a minimum for second and later deposits?

No FXTM minimum applies after the first deposit has activated the account; you can add any amount. Your payment method can still set its own minimums and maximums, and a fee may apply for some methods. FXTM shows the limits and any fee for each method inside your client area before you confirm.

Does the payment method change the minimum deposit?

FXTM sets the minimum by account type, not by method. In practice, individual cards, e-wallets, local transfers and crypto networks can impose their own minimums or fees, which FXTM displays after you log in and pick a method. Check that screen before sending money so the amount that arrives still meets your account minimum.

Sources

How Much Money Do You Need to Start Forex Trading?

Technically you can start forex trading with as little as $5–$10, because several brokers have tiny minimum deposits and allow 0.01-lot (micro) trades. But to risk only 1–2% per trade with a sensible stop-loss on a standard account, you need roughly $100–$500; below that, a cent account is the only way to keep each trade small. The right amount is money you can afford to lose entirely.

Deriv Deposit Methods: Cards, E-Wallets, Bank Transfer and Crypto

Deriv accepts cards (Visa, Mastercard), e-wallets such as Neteller and Skrill, mobile money such as M-Pesa, MTN and Airtel, crypto (BTC, ETH, USDT, USDC, LTC, XRP), bank options and Deriv P2P, with 72 methods listed and availability set by your country. Deriv charges no deposit fees; mobile money starts at 5 USD and cards at 10 USD.

Deriv Minimum Deposit by Account Type and Payment Method

Deriv's minimum deposit is 5 USD into the Deriv Wallet, but each payment method sets its own floor: mobile money such as M-Pesa starts at 5 USD, while Visa, Mastercard and Neteller start at 10 USD. There is no separate minimum per MT5 account type; you transfer from the Wallet in amounts from 1 USD.

Deriv P2P: How to Deposit and Withdraw with Local Currency

Deriv P2P is an in-platform marketplace where you buy or sell Deriv balance with other verified users and pay in local currency, with Deriv holding funds in escrow. Deriv lists it at up to 10,000 USD per day with orders completing within an hour, and limits rise through four tiers from Bronze to Diamond.

HFM Deposit Methods: Cards, E-Wallets, Bank Transfer and Crypto

HFM accepts deposits by credit or debit card (from $5, credited within about 10 minutes), by alternative methods such as e-wallets and local payment options (from $10 or $30, instant to 10 minutes), and by bank transfer (from $100, 2 to 7 business days). HFM says it charges no deposit fees. The exact list depends on your country and is shown in the Client Area.

HFM Minimum Deposit by Account Type and Payment Method

HFM's global site lists no minimum deposit for its Cent and Premium accounts, $100 for Pro and $500 for InfinityX. The Zero account shows $0 in the comparison table but $25 in its FAQ. In practice the payment method sets a floor too: $5 by card, $10 to $30 for alternative methods and $100 by bank transfer.