Best Credit Cards Brokers 2025
Many of the top UK brokers accept credit card deposits, with instant account funding and low to zero fees. Cardholders also benefit from various offers and rewards when using their credit card to trade online.
In this guide, our experts have reviewed and ranked the top credit card brokers for UK traders. We also list typical deposit and withdrawal times, money transfer fees, and minimum payments.
Note, using credit cards to fund online trading is risky – do not deposit more than you can afford.
Credit Card Brokers
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Founded in Australia in 2010, Pepperstone is a highly regarded broker specialising in forex and CFDs. Serving more than 400,000 clients globally, it provides access to over 1,300 financial instruments through popular platforms like MT4, MT5, cTrader, and TradingView. Its fee structure is both low and transparent. With regulation by reputable bodies such as the FCA, ASIC, and CySEC, Pepperstone guarantees a safe trading environment for traders at every level.
Instruments Regulator Platforms CFDs, Forex, Currency Indices, Stocks, Indices, Commodities, ETFs, Crypto (only Pro clients), Spread Betting FCA, ASIC, CySEC, DFSA, CMA, BaFin, SCB MT4, MT5, cTrader, TradingView, AutoChartist, DupliTrade, Quantower Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:30 (Retail), 1:500 (Pro) -
Established in Poland in 2002, XTB caters to over a million clients worldwide. This forex and CFD broker offers a robust regulatory framework, a diverse range of assets, and prioritises trader satisfaction. It provides an intuitive proprietary platform equipped with excellent tools to support aspiring traders.
Instruments Regulator Platforms CFDs on shares, Indices, ETFs, Raw Materials, Forex currencies, cryptocurrencies, Real shares, Real ETFs FCA, CySEC, KNF, DFSA, FSC, SCA, Bappebti xStation Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:30 -
Founded in 1989, CMC Markets is a reputable broker publicly listed on the London Stock Exchange. It holds authorisation from top-tier regulators such as the FCA, ASIC, and CIRO. The brokerage, which has received multiple awards, boasts a global membership exceeding one million traders.
Instruments Regulator Platforms CFDs, Forex, Stocks, Indices, Commodities, ETFs, Treasuries, Custom Indices, Spread Betting FCA, ASIC, MAS, CIRO, BaFin, FMA, DFSA Web, MT4, TradingView Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:30 (Retail), 1:500 (Pro) -
FXCC, a well-established brokerage since 2010, offers cost-effective online trading. Registered in Nevis and regulated by CySEC, it is distinguished by its ECN conditions and absence of a minimum deposit requirement. The account opening process is efficient, taking under five minutes.
Instruments Regulator Platforms CFDs, Forex, Indices, Commodities, Crypto CySEC MT4, MT5 Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:500 -
IC Markets is an internationally acclaimed forex and CFD broker, admired for its competitive pricing, diverse trading instruments, and superior technology. Established in 2007 and based in Australia, the firm is under the regulation of ASIC, CySEC, and FSA. It has successfully drawn over 180,000 clients from more than 200 nations.
Instruments Regulator Platforms CFDs, Forex, Stocks, Indices, Commodities, Bonds, Futures, Crypto ASIC, CySEC, FSA, CMA MT4, MT5, cTrader, TradingView, TradingCentral, DupliTrade, Quantower Min. Deposit Min. Trade Leverage $200 0.01 Lots 1:30 (ASIC & CySEC), 1:500 (FSA), 1:1000 (Global) -
Founded in 2006, FxPro has built a reputation as a reliable non-dealing desk (NDD) broker, providing trading access across more than 2,100 markets to over 2 million clients globally. It has received over 100 industry awards, reflecting its favourable conditions for active traders.
Instruments Regulator Platforms CFDs, Forex, Stocks, Indices, Commodities, Futures, Spread Betting FCA, CySEC, FSCA, SCB, FSA FxPro Edge, MT4, MT5, cTrader, AutoChartist, TradingCentral, DupliTrade, Quantower Min. Deposit Min. Trade Leverage $100 0.01 Lots 1:30 (Retail), 1:500 (Pro) -
Founded in 1974, IG is a part of IG Group Holdings Plc, a publicly listed brokerage (LSE: IGG). The company provides spread betting, CFD, and forex trading, offering access to over 17,000 markets. Its platforms and investing apps are notably user-friendly. Over the past 50 years, IG has consistently been an industry leader, excelling in all essential areas for traders.
Instruments Regulator Platforms CFDs, Forex, Stocks, Indices, Commodities, ETFs, Futures, Options, Crypto, Spread Betting FCA, ASIC, NFA, CFTC, DFSA, BaFin, MAS, FSCA, FINMA, CONSOB, AFM Web, ProRealTime, L2 Dealer, MT4, TradingView, AutoChartist, TradingCentral, ProRealTime Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:30 (Retail), 1:222 (Pro)
Pepperstone
XTB
CMC Markets
FXCC
IC Markets
FXPro
IG IndexSafety Comparison
Compare how safe the Best Credit Cards Brokers 2025 are and what features they offer to protect traders.
| Broker | Trust Rating | FCA Regulated | Negative Balance Protection | Guaranteed Stop Loss | Segregated Accounts |
|---|---|---|---|---|---|
| Pepperstone | ✔ | ✔ | ✘ | ✔ | |
| XTB | ✔ | ✔ | ✔ | ✔ | |
| CMC Markets | ✔ | ✔ | ✔ | ✔ | |
| FXCC | ✘ | ✔ | ✘ | ✔ | |
| IC Markets | ✘ | ✔ | ✘ | ✔ | |
| FXPro | ✔ | ✔ | ✘ | ✔ | |
| IG Index | ✔ | ✔ | ✔ | ✔ |
Payments Comparison
Compare which popular payment methods the Best Credit Cards Brokers 2025 support and whether they have trading accounts denominated in British Pounds (GBP).
| Broker | GBP Account | Debit Card | Credit Card | Neteller | Skrill | Apple Pay |
|---|---|---|---|---|---|---|
| Pepperstone | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| XTB | ✔ | ✔ | ✔ | ✔ | ✔ | ✘ |
| CMC Markets | ✔ | ✔ | ✔ | ✘ | ✘ | ✘ |
| FXCC | ✔ | ✔ | ✔ | ✔ | ✔ | ✘ |
| IC Markets | ✔ | ✘ | ✔ | ✔ | ✔ | ✘ |
| FXPro | ✔ | ✘ | ✔ | ✔ | ✔ | ✘ |
| IG Index | ✔ | ✔ | ✔ | ✘ | ✘ | ✘ |
Mobile Trading Comparison
How good are the Best Credit Cards Brokers 2025 at mobile trading using apps or other mobile interfaces.
| Broker | Mobile Apps | iOS Rating | Android Rating | Smart Watch App |
|---|---|---|---|---|
| Pepperstone | iOS & Android | ✘ | ||
| XTB | iOS & Android | ✔ | ||
| CMC Markets | iOS & Android | ✘ | ||
| FXCC | iOS & Android | ✘ | ||
| IC Markets | iOS & Android | ✘ | ||
| FXPro | iOS & Android | ✘ | ||
| IG Index | iOS & Android | ✔ |
Beginners Comparison
Are the Best Credit Cards Brokers 2025 good for beginner traders, that might want an affordable setup to get started, along with good support and educational resources?
| Broker | Demo Account | Minimum Deposit | Minimum Trade | Support Rating | Education Rating |
|---|---|---|---|---|---|
| Pepperstone | ✔ | $0 | 0.01 Lots | ||
| XTB | ✔ | $0 | 0.01 Lots | ||
| CMC Markets | ✔ | $0 | 0.01 Lots | ||
| FXCC | ✔ | $0 | 0.01 Lots | ||
| IC Markets | ✔ | $200 | 0.01 Lots | ||
| FXPro | ✔ | $100 | 0.01 Lots | ||
| IG Index | ✔ | $0 | 0.01 Lots |
Advanced Trading Comparison
Do the Best Credit Cards Brokers 2025 offer features that allow for more advanced trading strategies?
| Broker | Automated Trading | Pro Account | Leverage | VPS | AI | Low Latency | Extended Hours |
|---|---|---|---|---|---|---|---|
| Pepperstone | Expert Advisors (EAs) on MetaTrader | ✔ | 1:30 (Retail), 1:500 (Pro) | ✔ | ✔ | ✔ | ✘ |
| XTB | Open API | ✔ | 1:30 | ✘ | ✘ | ✔ | ✘ |
| CMC Markets | Expert Advisors (EAs) on MetaTrader | ✔ | 1:30 (Retail), 1:500 (Pro) | ✔ | ✘ | ✔ | ✔ |
| FXCC | Expert Advisors (EAs) on MetaTrader | ✘ | 1:500 | ✔ | ✘ | ✔ | ✘ |
| IC Markets | Expert Advisors (EAs) on MetaTrader, cBots on cTrader, Myfxbook AutoTrade | ✘ | 1:30 (ASIC & CySEC), 1:500 (FSA), 1:1000 (Global) | ✔ | ✘ | ✔ | ✘ |
| FXPro | Expert Advisors (EAs) on MetaTrader, cBots on cTrader | ✔ | 1:30 (Retail), 1:500 (Pro) | ✔ | ✘ | ✔ | ✘ |
| IG Index | Expert Advisors (EAs) on MetaTrader, build your own on ProRealTime | ✔ | 1:30 (Retail), 1:222 (Pro) | ✔ | ✘ | ✔ | ✔ |
Detailed Rating Comparison
Use this heatmap to compare our detailed ratings for all of the Best Credit Cards Brokers 2025.
| Broker | Trust | Platforms | Mobile | Assets | Fees | Accounts | Support | Research | Education |
|---|---|---|---|---|---|---|---|---|---|
| Pepperstone | |||||||||
| XTB | |||||||||
| CMC Markets | |||||||||
| FXCC | |||||||||
| IC Markets | |||||||||
| FXPro | |||||||||
| IG Index |
Our Take On Pepperstone
"Pepperstone is a premier trading platform, providing tight spreads, swift execution, and sophisticated charting tools for seasoned traders. Beginners benefit from no minimum deposit, comprehensive learning materials, and outstanding 24/7 support."
Tobias Robinson
Reviewer
Pros
- Over the years, Pepperstone has consistently garnered recognition from DayTrading.com’s annual awards. Recently, it was honoured as the 'Best Overall Broker' in 2025 and was the 'Best Forex Broker' runner-up the same year.
- Pepperstone offers rapid execution speeds of approximately 30ms, enabling swift order processing and execution, making it ideal for traders.
- Pepperstone now offers spread betting via TradingView, delivering a streamlined and tax-efficient trading experience with sophisticated analytical tools.
Cons
- Pepperstone doesn't offer cTrader Copy, a favoured feature for copying trades found in the cTrader platform, which is available on other platforms such as IC Markets. However, Pepperstone has launched its own user-friendly copy trading app.
- Although its market range has improved, its crypto offerings remain limited compared to brokers specialising in this sector, lacking real coin investment options.
- Pepperstone's demo accounts expire after 30 days, which may not provide sufficient time to explore various platforms and evaluate trading strategies.
Our Take On XTB
"XTB emerges as an ideal option for novice traders, offering the impressive xStation platform, zero commission pricing, no required minimum deposit, and outstanding educational resources, many of which are conveniently integrated into the platform."
Pros
- Setting up an XTB account is straightforward and fully online, requiring only a few minutes. This simplicity eases new traders into the world of trading.
- XTB has raised its interest rate on uninvested funds and introduced zero-fee ISAs for UK clients, offering access to 3,000 stocks and 700 ETFs for diverse investment opportunities.
- XTB offers a diverse range of over 7,000 instruments, including CFDs on shares, indices, ETFs, commodities, forex, and cryptocurrencies. The platform also provides real shares, real ETFs, share dealing, and the latest addition, Investment Plans, serving both traders seeking short-term gains and investors focused on long-term growth.
Cons
- It is frustrating that XTB products do not allow traders to modify the default leverage level. Manually adjusting leverage can greatly reduce risk in forex and CFD trading.
- The demo account lasts only four weeks, posing a challenge for traders wanting to fully explore the xStation platform and refine short-term strategies before investing actual money.
- Trading fees are competitive, with average EUR/USD spreads of about 1 pip. However, they are not as low as the most affordable brokers, such as IC Markets. Additionally, an inactivity fee applies after a year.
Our Take On CMC Markets
"Equipped with advanced charts and a broad array of tradable CFDs, including an unmatched selection of currencies and bespoke indices, CMC Markets offers an excellent online platform for traders at any level."
Pros
- CMC Markets is well-regulated by respected financial authorities, ensuring a secure and reliable trading environment. It upholds a strong reputation, providing traders with confidence.
- We've upgraded the 'Assets & Markets' rating due to frequent product enhancements in early 2025. These include extended trading hours for US stocks and the introduction of new share CFDs.
- The brokerage excels with an extensive array of valuable resources, such as pattern recognition scanners, webinars, tutorials, news feeds, and research from reputable sources like Morningstar.
Cons
- The CMC Markets app provides a comprehensive trading package; however, its design and user experience lag behind market leaders such as eToro.
- A monthly inactivity charge of $10 is imposed after a year's inactivity, potentially discouraging occasional traders.
- Trading stock CFDs comes with a relatively high commission, particularly when compared to low-cost brokers such as IC Markets.
Our Take On FXCC
"FXCC remains a top choice for forex traders, offering over 70 currency pairs, very tight spreads from 0.0 pips in tests, and high leverage up to 1:500 with the ECN XL account."
Pros
- FXCC is a trusted and licensed broker under the regulation of CySEC, a leading European authority ensuring excellent safeguarding standards.
- FXCC offers competitive and transparent ECN spreads starting from 0.0 pips, with no commissions. This makes it one of the most cost-effective forex brokers available.
- There are no limitations on short-term trading techniques such as trading and scalping.
Cons
- FXCC's exclusive MetaTrader platform is a limitation, especially when compared to more versatile options like AvaTrade, which offers five different platforms to cater to various trader needs.
- The variety of currency pairs surpasses most options, but the choice of other assets is limited. Notably, stocks are absent.
- Unaware traders might face steep withdrawal fees, such as a notable $45 for bank transfers.
Our Take On IC Markets
"IC Markets provides excellent pricing, swift execution, and easy deposits. With cutting-edge charting tools like TradingView and the Raw Trader Plus account, it continues to be a preferred option for intermediate and advanced traders."
Pros
- IC Markets provides reliable 24/5 support, especially for account and funding queries, drawing from direct experience.
- IC Markets provides some of the industry's narrowest spreads, offering 0.0-pip spreads on major currency pairs. This makes it an extremely cost-effective choice for traders.
- In 2025, IC Markets earned DayTrading.com's accolade for 'Best MT4/MT5 Broker' due to its top-tier MetaTrader integration. This achievement highlights the broker's continuous refinement over the years to enhance the platform experience.
Cons
- The tutorials, webinars, and educational resources require enhancement, lagging behind competitors such as CMC Markets, which diminishes their appeal to novice traders.
- Certain withdrawal methods incur fees, including a $20 charge for wire transfers. These costs can reduce profits, particularly with frequent withdrawals.
- IC Markets provides metals and cryptocurrencies for trading through CFDs, though the selection is narrower compared to brokers such as eToro. This limits opportunities for traders focused on these asset classes.
Our Take On FXPro
"FxPro is an excellent choice for traders, offering swift execution speeds under 12ms, reduced fees since 2022, and outstanding charting platforms like MT4, MT5, cTrader, and FxPro Edge."
Pros
- FxPro's Wallet is a notable feature enabling traders to securely manage their funds. It ensures additional protection and ease by separating unused funds from active trading accounts.
- FxPro provides four dependable charting platforms, including the user-friendly FxPro Edge. It features more than 50 indicators, 7 types of charts, and 15 different timeframes.
- FxPro uses a 'No Dealing Desk' (NDD) model for swift and transparent order execution, usually within 12 milliseconds, making it well-suited for short-term trading strategies.
Cons
- FxPro, with its $10M funded demo account and expanding Knowledge Hub, mainly caters to experienced traders. Beginners might find its account and fee structure challenging to understand.
- FxPro offers customer support five days a week around the clock, accessible via various platforms, and the service quality is reliable based on tests. However, the absence of weekend support can be a drawback for traders requiring help beyond standard market times.
- There are no passive investment options such as copy trading or interest on cash. While traders might not find these essential, competitors like eToro, which accommodate both active and passive investors, offer more extensive services.
Our Take On IG Index
"IG offers a complete package with an intuitive online platform, top-tier beginner education, advanced charting tools through its TradingView integration, real-time data, and swift execution for seasoned traders."
Pros
- IG stands out with its extensive range of instruments, offering stocks, forex, indices, commodities, and cryptocurrencies. Additionally, it has recently introduced US-listed futures and options, along with an AI Index. These options enhance opportunities for diversification in trading.
- The web-based platform supports traders at every level, offering advanced charting tools and real-time market data vital for trading. Additionally, IG now includes TradingView integration.
- The IG app provides an excellent mobile trading experience with an intuitive design, earning it the Runner Up position in our 'Best Trading App' award.
Cons
- Beginners may find IG's fees complicated, as they vary depending on the trades or services. This could cause confusion and unexpected costs.
- IG has ended its swap-free account, diminishing its attractiveness to Islamic traders.
- In the UK and EU, negative balance protection is available. However, US clients lack account protection and guaranteed stop losses.
How Credit Cards Work
A credit card is a physical card used to send virtual money to merchants, such as online brokers and trading companies. They were first theorised in 1887 in the novel ‘Looking Backward’ by Edward Bellamy, but it was not until 1958 that Bank of America launched the first credit card.
Since then, they have grown to become one of the most common payment methods among trading brokers and merchants. By January 2022, just under 60 million credit cards had been distributed in the UK.
Issued mostly by Visa and Mastercard, credit cards are based on the idea of an ‘I owe you’ between a bank and a client. Users will accrue debt when they complete purchases, such as transfers to brokers that accept credit card deposits, and then pay their bank back at a later date, often with added interest.
Obtaining A Credit Card
To obtain a credit card and start depositing funds to your trading broker, you will need to apply to a chosen bank. The process will require submitting information such as personal contact details and your salary. The bank will also review your credit score.
Take the time to research the different options, evaluating factors such as the best deals and rewards, whether you want interest-free accounts and the type of card.
Once your account has been approved and your card issued, you can start trading with many of the top credit card brokers in the UK.
Trading Times
When making payments to brokers that accept credit card deposits, funds are generally sent quickly. For example, eToro, IG and Pepperstone all process card deposits instantly.
However, you can expect withdrawals to take a lot longer. For instance, if you withdraw funds from your eToro account using a credit card, you may have to wait up to 10 business days before you see the money in your bank account. With Pepperstone, the wait is up to three working days, and at IG, you will need to wait for between two and five working days.
Payment Fees & Limits
Some credit card brokers allow traders to transfer money for free. For example, Pepperstone does not impose any charges for clients using a credit card for both deposits and withdrawals.
However, other UK brokers that accept credit cards impose fees. Examples include Trading212, which charges a 0.7% fee on all deposits after a client has transferred £2,000 to their account. Another example is XTB, which charges £12 for withdrawals that are less than £60.
There are also some brokers which charge flat fees for deposits and withdrawals regardless of the transferred amount. For instance, eToro charges its Bronze, Silver and Gold members $5 for each credit card withdrawal with a minimum payment limit of $30. Additionally, eToro conducts all trading exclusively in USD, so you will need to pay a conversion charge if you deposit or withdraw funds in GBP.
Note, these costs do not account for any fees that your bank may charge to use credit cards, including the annual percentage rate (APR).
Security
Many credit card brokers and banks allow traders to set up two-factor authentication to validate payments. Common methods include using a one-time passcode sent to a phone number, an authenticator app, or asking the user to confirm the request via online banking. This offers an extra layer of protection when trading with credit card brokers because even if your card details are compromised, you still need to validate any payments.
Another way to keep yourself safe when trading is by using FCA-regulated brokers that accept credit card deposits. Licensed trading companies must keep client funds safe and separate from the firm’s capital. Furthermore, through the Financial Services Compensation Scheme, traders could be eligible for up to £85,000 compensation if the broker becomes insolvent. Generally, if the broker is FCA-regulated, you can trust it to be more transparent and reliable.
Finally, certain banks and credit card providers offer a chargeback protection service. This is a useful tool in case you deposit funds to a scam credit card broker that refuses to refund your deposit, though there are no guarantees that you will see your funds again.
How To Make Credit Card Trading Deposits & Withdrawals
Deposits
While the exact process for sending funds to brokers that accept credit card deposits may vary, the general steps taken are as follows:
- Go to your broker’s website or trading app and sign in
- Go to the tab relating to account funding and click ‘Deposit’
- Choose credit card from the available payment methods
- Input your card details such as the card number, expiry date and CVC
- Specify the amount to be deposited, ensuring it is within the broker’s transfer limits
- Confirm the deposit request
- Depending on your bank, you may also need to complete a 2FA process with an OTP or by confirming the transaction through an online banking app
Withdrawals
The typical process for withdrawing funds from credit card brokers is as follows:
- Log into your brokerage account
- Go to the finance section and select ‘Withdraw Funds’
- Choose credit card as your desired method
- Specify the amount you wish to withdraw, ensuring that it is within your broker’s minimum and maximum limits
- Input the bank account details that are linked to the credit card
- Confirm the request and complete any verification steps
Pros Of Credit Cards For UK Traders
- It is a secure way to deposit funds to online trading accounts
- Deposits are usually instant and commission-free with bank cards
- Many leading brokers accept credit card deposits and withdrawals
- Traders can hold and transfer funds in many currencies, including GBP
- Account holders can earn offers and rewards from their bank including cashback and discount deals
Cons Of Credit Cards For UK Traders
- Traders often have to wait a long time for withdrawals to be processed and completed
- Using credit cards to fund trading activity is risky – you could lose money that you will need to pay back
- UK traders must go through an application process where banks use a credit checker to determine their eligibility for a card
- Sometimes high interest is charged by the banks on payments, although you can find credit cards with low or even zero interest
Should Traders Use Credit Cards?
Credit cards can be a convenient way to fund online trading activity. There is a long list of UK brokers that accept credit card deposits and transfers are normally fast and secure.
On the downside, traders must remember to pay off the accrued debt and interest to their bank by the due date. Failure to do so could result in high penalties and fees. With this in mind, trading with credit cards is particularly risky vs alternative payment methods.
Head to our list of the best credit card brokers to make a deposit and start trading.
FAQ
Is A Credit Card Safe For Making A Deposit To My Trading Broker?
Generally, credit cards are very secure. Banks are trusted institutions that you can rely on to carry out your transactions. For further protective measures, you can enable an additional two-factor authentication step to verify all payments to brokers that accept credit card deposits.
What Should I Do If I Am Having Issues When Using A Credit Card To Deposit Funds To My Broker?
If you are experiencing problems when using your credit card to deposit to an online trading account, contact the support of either your bank or the broker. Banks often have extensive FAQs and help sections accessible on their website or app, or you can speak to someone over the phone or at your local branch.
The best credit card brokers also have 24/5 or 24/7 customer support, including via live chat, telephone or email.
Do Brokers That Accept Credit Cards Process Deposits Quickly?
The majority of brokers that accept credit card deposits process requests instantly. For example, funds are available immediately at eToro and Pepperstone if the transfer is made using a credit card.
Do All Trading Brokers Accept Credit Card Deposits?
While many brokers accept credit cards, not all brokers do. For example, UK-based clients that want to deposit funds to Interactive Brokers using GBP cannot use credit cards – the only available funding method is wire transfer.
Use our list of the brokers that accept credit card deposits to find a suitable trading platform.