AvaTrade Deposits, Withdrawals and Fees (2026): Minimums, Times and Costs

Short answer: AvaTrade’s minimum deposit is 100 in your base currency ($100, €100, £100 or AUD 100) by credit card, and it recommends 1,000 to 2,000 for its full product range. For wire transfer, its pages disagree: the deposit FAQ and two support articles say 100, while the entity comparison page says 500. A withdrawal takes 24 to 48 hours to process after verification, and the money goes back to your deposit method first. An idle account pays an inactivity fee of 50 after 3 months (source).

AvaTrade money flow at a glance. Source: AvaTrade deposit, comparison and fees pages, October 2026.

Minimum deposit

AvaTrade’s deposit FAQ says the minimum depends on your account’s base currency and the deposit method:

Base currency	Credit card	Wire transfer (deposit FAQ)
USD	$100	$100
EUR	€100	€100
GBP	£100	£100
AUD	AUD 100	AUD 100

An AUD account is available only to Australian clients, and a GBP account only to traders from the UK. Two support articles repeat the figure: one lists $100, €100, £100 and AUD 100 for “Credit card, Wire Transfer or E-wallets”, and the other says “100 base currency” and recommends “at least 1,000-2,000 of your preferred base currency” (support article, minimum amount article). Clients from European countries must verify their account before depositing.

The wire transfer conflict. AvaTrade’s comparison page lists the minimum deposit via credit card or e-payment as “100* per account” and via wire transfer as “500* per account”, in the currency of the account. The deposit FAQ and both support articles show 100 for wires, so 100 is the majority figure. We could not tell which page is newest, so treat 500 as the safer figure if you plan to fund by wire, and check the deposit screen in your client area.

At a 1% risk per trade, a 100 account risks 1 per trade and a 1,000 account risks 10. Use our lot size calculator to see what that means in lots.

Deposit methods and times

AvaTrade says its methods vary by region. Credit cards (excluding Canada) and wire transfer are available to all global clients, and debit cards are also listed. E-payments such as Skrill, WebMoney and Neteller are not available to EU and Australian clients. The comparison page lists deposits and withdrawals by credit card, wire transfer and e-payment as free.

Method	Time to credit
Credit and debit card	Instant. A first card deposit can take up to 1 business day for security checks
E-payments (Neteller, Skrill, WebMoney)	Within 24 hours
Wire transfer	Up to 7 business days

A second conflict, on wire times. The deposit-times answer says up to 7 business days. A later answer on missing wire transfers says up to 10. We show both. AvaTrade asks you to email a copy of the SWIFT or transfer receipt so it can track the money. The comparison page names the banks used for wire transfers by entity, for example NatWest and Barclays for Europe and the British Virgin Islands.

Other rules from the deposit page:

• Third-party deposits (someone else’s card, bank or e-wallet) are accepted, but both parties must send verification documents.
• Cancelling a deposit: email customer support. If you made no trades with the funds, AvaTrade says it cancels within 24 hours. Weekend requests wait until the next business day. A card charge that still appears can take up to 5 business days to clear.
• Declined cards: the error “There appears to be a problem processing your transaction” usually means the card was declined. Check the details or use another method.
• Nigeria and Indonesia: AvaTrade says it accepts credit cards from both, with verification.

Verification before you can withdraw

AvaTrade says it must follow the KYC (Know Your Customer) process, and that you need a verified account to withdraw. The documents it lists:

1. A clear, coloured copy of a valid government ID (passport, driving licence or ID card) showing full name, date of birth and photo.
2. A utility bill, not older than six months, showing your full name and address. Water, electricity, gas, council waste or landline bills count.
3. If you deposited by credit card, a coloured copy of the front and back of the card with your name, expiry date and first and last 4 digits visible. You may hide the middle 8 digits and the CVV.

Names and details must match your registration, and all four corners of each document must be visible. A demo account needs no ID or payment details.

How AvaTrade withdrawals work

Once you are verified, you open the “My AVA” section and complete the withdrawal form. AvaTrade says processing takes 24 to 48 hours for credit cards, debit cards and e-money, working Monday to Friday. Wire transfers can take up to 10 business days to reflect, and bank delays are outside AvaTrade’s control.

Where the money goes

Anti-money-laundering rules mean withdrawals go back through the method you funded with. AvaTrade’s own example:

Step	Amount	Destination
Deposit by credit card	$1,000	Card
Profit	$1,500
First withdrawal	$1,000	Back to the same credit card
Remaining balance	$1,500	Another method, such as wire transfer or e-payment, in your own name

E-payments as a withdrawal route are for non-EU customers only. For a third-party deposit that is not a card, you must withdraw 100% of that deposit by the same method first.

If a withdrawal is not processed

AvaTrade lists four checks: account verification sent, promotion volume requirements met, enough usable margin, and the right withdrawal method. It may ask for extra documents. If you took a bonus, read its volume rules first, because unmet promotion volume holds up withdrawals.

AvaTrade fees

AvaTrade’s fees page says it is paid through the buy/sell spread. The spread is “incorporated into the AvaTrade quoted rates and is not an additional charge or fee payable by you above the quoted rates.” To see it, log in, search the instrument, click the Details icon (i) and scroll to Info. We have not measured live spreads. See what a spread is.

Cost	When you pay	Amount
Spread	Opening a position	Built into the price
Overnight premium	Holding past the Overnight Funding Time	Not stated on the fees page
Inactivity fee	After 3 consecutive months of non-use, then every 3 months	$50, €50 or £50
Administration fee	After 12 consecutive months of non-use	$100, €100 or £100

The last two apply “unless prohibited by law”, and the page says fees are subject to change. The overnight premium works like a swap, explained in what a swap is in forex.

Worked example. A USD account holds $150 and sits unused. Under these terms $50 is deducted at 3 months, $50 at 6 months and $50 at 9 months, which empties it. The page does not say what happens if a fee exceeds the balance, or whether the administration fee stacks with the inactivity fee. We could not confirm either, so ask support.

Avoiding the charges: trade at least once every 3 months, or withdraw the balance. AvaTrade does not define “non-use”, so confirm what counts. Our review lists a currency conversion margin of about 0.25% from another AvaTrade page, which we did not re-check here.

Which entity holds your money

AvaTrade says you choose an entity, and that applying to a non-European one means you are “not subject to European client protections”, including leverage caps (see AvaTrade leverage), and that your funds “will not be covered by the Investor Compensation Scheme.” The comparison page shows:

Entity	Regulator	Compensation scheme
Ava Trade EU Ltd (Europe)	Central Bank of Ireland (No. C53877)	Yes, Investor Compensation Company Ltd
Ava Trade Markets Ltd (British Virgin Islands)	BVI Financial Services Commission (No. SIBA/L/13/1049)	No compensation scheme

Every entity is listed with segregated client money and with negative balance protection (“No” to losing more than you deposit), though our review notes the protection covers retail accounts only. The page lists account types by entity: Retail, Professional, Options and Spread betting for Europe, and Standard and Options in the next column, for the British Virgin Islands. The pasted layout is condensed, so check your entity’s account types when you register. Regulator numbers come from the fees page footer.

India: AvaTrade is named on the RBI Alert List of unauthorised forex platforms (updated 19 November 2025). Under FEMA, Indian residents may trade forex only in permitted currency pairs through RBI-authorised persons, recognised Indian exchanges or RBI-authorised platforms. AvaTrade’s own support centre lists India among the countries it does not accept.

Bottom line

You need 100 in base currency to open an AvaTrade account by card, and a wire transfer may need 500, because one of its pages says so. Verification comes before your first withdrawal, and money returns to your deposit method first, with wires taking up to 10 business days. The costs people miss are the 50 inactivity fee after 3 months and the 100 administration fee after 12. Check the live pages before you fund, start small and only deposit money you can afford to lose.