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Category 04

Deposits & Withdrawals

Getting money in is always easy; it's getting money out that separates the good brokers from the rest. We look at payment methods, supported currencies, transaction fees, how fast withdrawals actually clear, and whether the funding terms are stated plainly or buried.

Payment method availability
30%
Base account currencies
20%
Deposit and withdrawal fees
25%
Processing speed
15%
Funding transparency and limits
10%

Deposits & Withdrawals Score = Payment Method Score × 30% + Base Currency Score × 20% + Fee Score × 25% + Processing Speed Score × 15% + Funding Transparency Score × 10%

Payment Method Availability

Payment Method Availability Score
Bank transfer, card payments, at least two e-wallets or digital payment methods, and at least one local or regional payment option are available 5
Bank transfer, card payments, and at least two digital payment options are available 4
Bank transfer, card payments, and at least one digital payment option are available 3
Only bank transfer and card payments are available 2
Only one funding method is available 1

Base Account Currencies

Base Currency Availability Score
Six or more base currencies are available, including at least two major currencies and at least one regional currency 5
Four or five base currencies are available, including USD and EUR 4
Two or three base currencies are available 3
Only one base currency is available 2
Base account currencies are not disclosed before sign-up 1

Deposit and Withdrawal Fees

Fee Condition Score
No broker deposit fee, no withdrawal fee, and clear conversion fee policy 5
No deposit fee and low or limited withdrawal fees 4
Some funding fees apply, but they are reasonable and clearly disclosed 3
Multiple deposit, withdrawal, or conversion fees apply 2
High, hidden, or unclear funding fees 1

Processing Speed

Withdrawal Processing Time Score
Same day or within 1 business day 5
1-2 business days 4
2-3 business days 3
3-5 business days 2
More than 5 business days or unclear processing time 1

Funding Transparency and Limits

Funding Transparency Score
Funding methods, fees, limits, currencies, and processing times are clearly disclosed 5
Main funding conditions are clear, with minor details missing 4
Most information is available but requires extra effort to verify 3
Funding information is incomplete or scattered 2
Funding conditions are unclear, misleading, or not properly disclosed 1

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