You want to deposit with XS, but the available methods, minimums and processing times are unclear. Withdrawal fees and timing matter too.
In short, XS charges no deposit or withdrawal fee, and withdrawals are usually processed within 24 hours. Minimums differ by method (official Help Center, checked 17 October 2026). This article explains how to choose a method and what to check if a withdrawal does not go through.
Conclusion: XS deposits and withdrawals have no XS fee, and minimums depend on the method
- Deposit methods are bank transfer, Visa and MasterCard, Skrill, Neteller, online banking and local payment solutions
- XS charges no deposit fee and no withdrawal fee (bank and payment provider fees are separate)
- Deposits are credited instantly, except international wire transfers. Some can take up to 5 business days
- Withdrawals are usually processed within 24 hours, including weekends
- Third-party deposits and withdrawals are not allowed. Use only methods in your own name
The official Help Center says withdrawal methods differ by country. For a Japan-based account, treat the deposit and withdrawal screens in the client portal as the final word. Whether domestic transfers are available for JPY accounts is not stated on the official site.
XS deposit methods: minimum deposit and processing time
| Method | Minimum deposit | Maximum deposit | Official processing guide |
|---|---|---|---|
| Bank transfer | USD 300 | Unlimited | USD Swift transfers usually take 2-5 business days |
| Visa / MasterCard | USD 20 | USD 25,000 | Usually 5-25 minutes |
| Skrill | USD 15 | USD 15,000 equivalent | Usually 5-25 minutes |
| Neteller | USD 15 | USD 15,000 equivalent | Usually 5-25 minutes |
※ No minimum or maximum is stated for online banking and local payment solutions. The 5-25 minutes figure is the official guide for e-wallets and credit cards.
On crediting, the official site says deposits are instant except for international wire transfers. It also says some deposits can take up to 5 business days.
For urgent deposits, cards and e-wallets have the shorter official guide. Bank transfer has a high USD 300 minimum and tends to take more days.
XS deposit fees and currency conversion: no fee on the XS side
| Item | Details |
|---|---|
| XS deposit fee | None (stated as not charged) |
| Bank and payment provider fees | May be set separately by each provider |
| Deposits in a different currency | Possible. Conversion applies if the currency differs from the XS wallet |
| Conversion rate and conversion fee | Not stated on the official site. Follow the portal display |
| Third-party deposits | Not permitted |
When conversion applies, the credited amount can differ from the amount you sent. The official site names conversion as a cause of this gap.
Cards and bank accounts in a family member's name cannot be used. Match the deposit source to the name registered with XS.
XS withdrawal methods: minimum withdrawal, fees and timing
| Method | Minimum withdrawal | Maximum withdrawal |
|---|---|---|
| Bank transfer | USD 250 | Unlimited |
| Visa / MasterCard | USD 5 | USD 25,000 |
| Skrill | USD 50 | USD 15,000 equivalent |
| Neteller | USD 15 | USD 2,500 equivalent |
※ Online banking and local payment solutions are also listed as withdrawal methods, but no amounts are stated. Minimums differ between deposits and withdrawals.
The official site states that no withdrawal fee is charged. A request is registered as pending and is usually processed within 24 hours.
The official site also says withdrawal requests are processed on weekends. The time until the money arrives depends on the receiving bank or payment provider.
Withdrawal rules: your own name, free margin and bonus conditions
- Withdrawals to third parties are not allowed. Use a destination in your own name
- You can withdraw with open positions if you have enough free margin
- Withdrawing before meeting a bonus's trading conditions can remove the credit
Free margin is the part of your margin not used to hold positions. Check your spare margin before you apply, so the withdrawal does not push you below the required margin.
For the JPY 5,000 account opening bonus, withdrawing profits or moving funds to another account removes the whole credit. The JPY 10,000 first deposit bonus is also removed in full if you withdraw or move funds before meeting its trading conditions (bonus conditions listed on this site, checked 19 September 2026).
Why you can't withdraw offshore forex bonuses: withdrawal rules compared →
What to check in order if you can't withdraw from XS
- 01Check that the destination is in your own name
Withdrawals to third parties are not permitted. Make sure the name matches your registered details.
- 02Check that you meet the minimum withdrawal
Minimums differ by method, such as USD 250 for bank transfer and USD 5 for Visa and MasterCard. You cannot apply if your balance is below the minimum.
- 03Check that you have enough free margin
Subtract the required margin of your open positions. The remainder should be at least the withdrawal amount.
- 04Check any bonus conditions
Withdrawing before the trading conditions are met removes the credit. Check the conditions and deadline before you withdraw.
- 05Check your identity verification status
The withdrawal page does not mention identity verification. As a precaution, check the approval status in the portal.
If nothing moves after 24 hours, contact official support with the request date and time, method and amount. Only official support can confirm the status of an individual request.
Offshore forex withdrawal problems and refusals: cases and what to do →
Decide your deposit and withdrawal route before you deposit
- If you are in a hurry, choose a card or e-wallet
- Keep every deposit source and withdrawal destination in your own name
- Withdrawal minimums differ from deposit minimums, so check each method
- Treat the methods and amounts shown in the portal as the final check
Steps for opening an account and verifying your identity are in the account opening guide. The company overview and insurance are covered in the reputation article.
How to open an XS account: steps, documents and identity verification →
XS reputation: published regulation, insurance and account conditions checked on the official site →
Offshore forex deposit methods compared: fees, processing time and minimums →
Frequently asked questions
Q. What deposit methods does XS offer?
A. Bank transfer, Visa and MasterCard, Skrill, Neteller, online banking and local payment solutions. Minimum deposits are USD 300 for bank transfer, USD 20 for cards and USD 15 for Skrill and Neteller (official Help Center, checked 17 October 2026).
Q. What are XS's deposit and withdrawal fees?
A. XS states that it charges no deposit fee and no withdrawal fee. However, banks and payment providers may set their own fees, and conversion applies if the currency differs.
Q. How long do XS withdrawals take?
A. Withdrawal requests are usually processed within 24 hours, including weekends. The time until the money arrives depends on the receiving bank or payment provider, so the official site gives no single number of days.
Q. What is the minimum withdrawal at XS?
A. It depends on the method: USD 250 for bank transfer, USD 5 for Visa and MasterCard, USD 50 for Skrill and USD 15 for Neteller. These differ from the deposit minimums, so check before you withdraw.
Q. What should I do if I can't withdraw from XS?
A. Check in this order: the name on the destination, the minimum withdrawal, free margin, bonus trading conditions and identity verification status. If nothing moves after 24 hours, contact official support with the request date and time, method and amount.
Q. Can I deposit into XS from a family member's card or account?
A. No. The official site says neither third-party deposits nor withdrawals to third parties are permitted. Match every deposit source and withdrawal destination to the name you registered.
Sources and conditions
FX Textbook is an independent information site, not a broker or provider of personal investment advice. Forex and CFDs involve risk. You may lose some or all of your invested capital. No trading result is guaranteed.
NEXT STEP
Decided your deposit and withdrawal route? Check XS's account conditions next.
The five account types, including Standard and Cent, and the standing bonuses are set out on the broker page.
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Account types, trading conditions and current offers are on each broker page.