Brokers With Instant Deposits
Trading brokers with instant deposits allow investors to quickly fund their online accounts, providing immediate access to financial markets. Instant deposit trading brokerages are particularly popular with active investors and day traders that need to react quickly to capitalise on market opportunities. In this guide, we compare the top brokers with instant deposits in the UK. We also cover the payment options with the fastest transfer times, alongside any limits and charges.
Brokers With Instant Deposits UK
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AvaTrade is a leading forex and CFD broker, established in 2006 and regulated across 9 jurisdictions. Over 400,000 users have signed up with the broker which processes over 2 million trades each month. The firm offers multiple trading platforms, including MT4, MT5, and a proprietary WebTrader. 1250+ financial instruments are available for trading, alongside a comprehensive education center and multilingual customer support.
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Founded in 2002 in Poland, XTB now serves more than 935,000 clients. The forex and CFD broker combines a heavily regulated trading environment with an extensive selection of 5,600+ assets and a commitment to trader satisfaction, featuring an intuitive in-house platform with superb tools to support aspiring traders.
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Established in 1989, CMC Markets is a respected broker listed on the London Stock Exchange and authorized by several tier-one regulators, including the FCA, ASIC and CIRO. More than 1 million traders from around the world have signed up with the multi-award winning brokerage.
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Eightcap is an award-winning, FCA-regulated broker offering industry-low trading fees. They are also the highest-rated brand by TradingView’s 50 million-strong users, who can trade directly on the platform. UK traders can sign up for a live account with an accessible £100 minimum deposit.
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FXCC is an established broker that’s been offering low-cost online trading since 2010. Registered in Nevis and regulated by the CySEC, it stands out for its ECN trading conditions, no minimum deposit and smooth account opening that takes less than 5 minutes.
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Established in Australia in 2010, Pepperstone is a top-rated forex and CFD broker with over 400,000 clients worldwide. It offers access to 1,300+ instruments on leading platforms MT4, MT5, cTrader and TradingView, maintaining low, transparent fees. Pepperstone is also regulated by trusted authorities like the FCA, ASIC, and CySEC, ensuring a secure environment for traders at all levels.
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IC Markets is a globally recognized forex and CFD broker known for its excellent pricing, comprehensive range of trading instruments, and premium trading technology. Founded in 2007 and headquartered in Australia, the brokerage is regulated by the ASIC, CySEC and FSA, and has attracted more than 180,000 clients from over 200 countries.
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XM is a globally recognized forex and CFD broker with 10+ million clients in 190+ countries. Since 2009, this trusted broker has been known for its low fees on 1000+ instruments. XM is regulated by multiple financial bodies, including the ASIC and CySEC.
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DNA Markets is a forex and CFD broker established in 2020. The broker operates two entities in Australia and the offshore jurisdiction, St Vincent and the Grenadines. Traders can access 250+ markets, with a Standard account for beginners and a Raw account for experienced traders. The reliable MetaTrader 4 and MetaTrader 5 platforms are available, alongside Signal Start.
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Founded in 1999, FOREX.com is now part of StoneX, a financial services organization serving over one million customers worldwide. Regulated in the US, UK, EU, Australia and beyond, the broker offers thousands of markets, not just forex, and provides excellent pricing on cutting-edge platforms.
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RoboForex is an online broker, established in 2009 and registered with the IFSC in Belize. Traders can choose from five accounts (Prime, ECN, R StocksTrader, ProCent, Pro) catering to different needs with trades from 0.01 lots and spreads from 0 pips. RoboForex has also enhanced its offering over the years, adding CFD instruments and launching its stock trading platform, plus the CopyFX system.
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OANDA is an award-winning global broker, established in 1996. The hugely respected brand offers competitive trading accounts and serves clients from 196 countries. It remains a popular option with both beginners and experienced traders thanks to its user-friendly and sophisticated web platform, no minimum deposit and premium currency products and services. The company is also overseen by reputable regulators, including the FCA, ASIC and CIRO.
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Founded in 1974, IG is part of IG Group Holdings Plc, a publicly traded (LSE: IGG) brokerage. The brand offers spread betting, CFD and forex trading across an almost unrivalled selection of 17,000+ markets, with a range of user-friendly platforms and investing apps. For 50 years, IG has maintained its position as an industry leader, excelling in all key areas for traders.
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Founded in 2009, Vantage offers trading on 1000+ short-term CFD products to over 900,000 clients. You can trade Forex CFDs from 0.0 pips on the RAW account through TradingView, MT4 or MT5. Vantage is ASIC-regulated and client funds are segregated. Copy traders will also appreciate the range of social trading tools.
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Fusion Markets is an online broker established in 2017 and regulated by the ASIC, VFSC and FSA. It is best known for its low-cost forex and CFD trading, although its multiple account types and copy trading solutions cater to a range of traders. New clients can sign up and start trading in 3 easy steps.
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IQCent is an offshore binary options and CFD broker based in the Marshall Islands. The brand continues to offer a range of unique account types with bonuses and perks, including payout boosts, TradeBacks and free rollovers. With 100+ assets, around-the-clock trading and 98% payouts, the firm is popular with aspiring short-term traders.
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NinjaTrader is a US-headquartered and regulated brokerage that specializes in futures trading. There are three pricing plans to suit different needs and budgets, as well as ultra-low margins on popular contracts. The brand's award-winning charting software and trading platform also offers a high-degree of customization and superb technical analysis features.
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Axi is a global forex and CFD trading firm, founded in 2007 in Sydney, Australia. Highly leveraged trading opportunities plus a $0 minimum deposit make it a popular choice among 60,000+ traders worldwide. Axi also stands out for its resources, including copy trading and Autochartist.
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EagleFX is a forex and CFD broker, established in 2019. The broker uses STP execution on the MT4 platform, offering tight spreads and low commissions. With leverage up to 1:500 and no restrictions on hedging or scalping, EagleFX is an attractive option for short-term traders.
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Founded in 2010, ThinkMarkets is a reputable CFD and forex broker with regulation from several top-tier bodies including the FCA and ASIC. The broker provides services to over 450,000 accounts from 11 global offices. Traders can use a bespoke platform, MT4 or MT5 to access a wide variety of assets including 3500+ stocks and ETFs, 46 forex pairs and over 20 cryptocurrencies.
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Webull is a multi-regulated trading app that offers stocks, options, forex, cryptos, ETFs, fractional shares and more. The firm is authorized by the SEC, FINRA and FCA and continues to uphold a strong trust rating. Low fees, no minimum investment and generous welcome bonuses have made the discount broker popular with online investors.
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Launched in 2017, Videforex offers access to stock, index, crypto, forex and commodities markets via binary options and CFDs. The proprietary platform, mobile app and integrated copy trading are user-friendly and will suit new and casual traders, and the market analysis tools and trading contests provide good ways to improve your trading skills.
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FXTM is a top-rated forex and CFD broker established in 2011 and operating across 4 continents. The company is secure and regulated by leading authorities, including the FCA and CySEC. Offering 1000+ trading markets and three account types, they cater to all levels of trader.
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SimpleFX is an online broker specializing in CFD and cryptocurrency trading, with multi-currency accounts, STP execution, low pricing and no minimum deposit. Bringing innovation and gaining recognition at numerous industry events since 2014, SimpleFX now caters to retail traders from over 190 countries, boasting a client base exceeding 200,000 active users.
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FP Markets is an ASIC- and CySEC-regulated broker that offers forex and CFD trading on a broad range of assets through the MT4, MT5 and IRESS platforms. With trading available through standard and raw spread accounts on thousands of international stocks, forex, indices, commodities, cryptocurrencies, bonds and ETFs, this broker has some of the most comprehensive market coverage available. FP Markets also offers a full range of additional features, including educational resources and access to powerful software such as Autochartist.
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Kraken is a leading cryptocurrency exchange with a proprietary trading terminal and a list of 220+ tradeable crypto tokens. Up to 1:5 leverage is available with stable rollover fees on spot crypto trading and up to 1:50 on futures. The exchange also supports crypto staking and has an interactive NFT marketplace.
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Gemini is a cryptocurrency exchange set up in 2014 by the Winklevoss brothers, known for their early involvement in Facebook. The exchange is among the world’s 20 largest and most popular. Gemini clients can trade and stake 110+ cryptocurrencies, with derivatives trading available in some jurisdictions, an advanced proprietary platform and additional features including an NFT marketplace.
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Kucoin is a crypto exchange that offers trading on 1000+ tokens as well as leveraged trading opportunities via futures and perpetual swaps. This exchange has a slick trading platform that supports robots, allowing traders to implement automated strategies. Other attractive features include a demo account, flexible funding methods and DeFi features like staking and mining.
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Admirals is an FCA- and ASIC-regulated broker with an excellent range of leveraged instruments, including forex, stocks, indices, ETFs, commodities, cryptos and more. The broker supports the MetaTrader 4, MetaTrader 5 and TradingCentral platforms. With both spread betting and CFDs available and thousands of instruments, this broker provides more flexibility than most rivals.
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Coinbase is a leading cryptocurrency exchange that provides access to 18,000+ crypto assets that can be traded on the marketplace, stored in a wallet or borrowed via the brand's DeFi function. The US-based firm has over 10 million clients and offers educational support to individual traders and tailor-made derivative products for businesses.
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World Forex is an offshore broker registered in St Vincent and the Grenadines, offering commission-free trading with a $1 minimum deposit and 1:1000 leverage. Digital contracts are also available, offering beginners a straightforward way to speculate on popular financial markets.
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Binance is one of the best-known crypto exchanges. The company is available in more than 180 countries with over 120 million registered customers. The platform offers a suite of crypto trading products, from staking and NFTs to derivatives.
Instant Deposit Trading Accounts
Brokers with instant deposits make funds immediately available in the trader’s account. The client can then use the capital to open and close positions, meet a margin call, or pay any commission fees due.
Many of the best brokers based in the UK and abroad facilitate instant trading deposits.
What Can Impact Deposit Speed?
Several factors can impact the speed in which trading deposits are processed, from the payment method used to any registration checks that need to be completed for new users, plus the processing capability of the online brokerage. We have compiled a full list of factors that influence deposit speeds below.
Minimum Deposit
Most trading brokers have a minimum deposit requirement. This typically ranges from £10 up to £1000. Users must meet the minimum balance threshold for funds to be made available.
It’s also worth noting that large deposits may require additional safeguarding checks, which can impact the availability of funds. Most brokers will not guarantee immediate deposits if the payment value is high.
Currency
If you are planning on investing in global stocks or on international markets, you may be required to deposit in a currency other than GBP. Brokers that offer instant deposits may not be an option if a currency conversion is required.
As well as a time delay, a fee may be applied. Fidelity, for example, will charge a currency conversion fee to UK investors for all trades on instruments denominated in a currency other than GBP. This is 1% of the value of a position under £100,000.
Verification
Financial services firms are required by UK law to comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) checks. These measures are designed to prevent criminals and terrorists from using financial products or services to store or move around money. As a result, traders may have to comply with identification checks including providing personal documents like proof of address. Other documents that may be required include passports, driving licenses, and utility bills.
We would recommend completing KYC requirements at the time of registration. This can prevent delays when it comes to making a deposit. AvaTrade, for example, must have uploaded and approved documents before instant deposits are available to UK traders.
Without these checks completed, a broker may refuse deposits in totality. Some brokers apply a deposit delay if KYC checks are still pending, or if you are making your first payment.
Payment Method
Brokers with instant deposits normally offer a range of payment methods. However, not all deposit options offer the fastest transfer times with low fees.
The quickest direct payment methods usually include credit/debit cards, crypto transactions, or via third-party e-wallets like PayPal, Venmo, or Revolut.
Credit/Debit Cards
Brokers with instant deposits normally support payment via credit and debit cards. With that said, time frames can vary between payment processors and online brokers.
Vanguard, for example, offers one-day clearance processing for debit card transactions. Degiro, on the other hand, doesn’t offer improved deposit speeds with card payments. Funds are typically available after two to four working days.
E-Wallets
When it comes to brokers with instant deposits, e-wallets are often the payment method of choice. Services such as PayPal, Skrill and Neteller typically support instant account funding.
With that said, you normally need to have a card or bank account linked to an e-wallet to enable fast transactions. Fortunately, mobile cash apps can make this process much smoother, with personal information already stored, meaning no digging around for payment details.
Cryptocurrency
There are a number of brokers with instant crypto deposit options. These include Kucoin, Binance, Gemini, Coinbase and Kraken Pro. Some traditional CFD brokerages, such as FXCC and Eightcap, also support fast deposits made via Bitcoin and other digital currencies.
Note, there may also be delays to crypto deposits due to network confirmation requirements.
Wire Transfer
Note, bank wire transfers can sometimes take three to five business days to clear. Leading UK banks such as HSBC and Halifax do offer quicker payments but recipients must be registered with the relevant systems. HSBC UK, for example, uses Faster Payments, meaning your funds should be received by the merchant/brokerage within two hours.
If you are planning on using international wire transfer services, say to deposit to an overseas trading broker, there will likely be a longer lead time. There may also be several steps involved in line with fraud prevention and clearing house procedures.
Pros Of Brokers With Instant Deposits
- Cash Flow – Tracking your funds between a registered bank account and a brokerage account is easier when there are no pending payments. Instant deposits are often visible in your trading account in a matter of minutes.
- Immediate Fund Access – Brokers with instant deposit options mean you can trade almost immediately. This can be important if additional money is needed to maintain a leveraged position, pay account charges or open a new trade. Equally, trading accounts with slow deposits could mean you miss an opportunity.
Cons Of Brokers With Instant Deposits
- Risk – Having fast access to funds could mean hasty trading decisions are made.
- Errors – It can be easy to rush a transaction, and once processed, payments are sometimes irreversible. Slower deposit methods, such as cheque payments, allow more time for interception or cancellation.
How Do I Know If A Broker Offers Instant Deposits?
It may not be immediately clear whether a broker offers instant account funding. However, the best brokerages will publish a list of available payment methods with clear timelines and fee structures. You should be able to find these details on the deposit/withdrawal page in your account portal.
If the information is unclear or an instant deposit is not working or is restricted for UK investors, reach out to the broker’s customer service team. Alternatively, check out our broker reviews for deposit details.
Brokers That Offer Instant Deposits
Below we list a couple of popular brokers with instant deposit options for UK traders:
Admiral Markets
Admiral Markets is authorised and regulated by the Financial Conduct Authority. UK investors can deposit and withdraw from their accounts using several payment options including bank wires, credit/debit cards, plus e-wallets such as PayPal. Instant account funding is available via all electronic wallet payments.
Note, that a 0.9% fee applies to Neteller and Skrill deposits.
XM
XM offers various trading markets spanning forex, indices, stocks, plus commodities like gold and silver. The broker is regulated by the Financial Conduct Authority (FCA) with a minimum deposit requirement of just £5.
The broker lets clients deposit using debit/credit cards, bank wire transfers, plus e-wallets such as Neteller and Skrill. Instant account funding is available via all card and electronic wallet payments.
Note, the first deposit at this broker must be made with a credit/debit card.
How To Deposit To A Live Trading Account
Follow these steps to make an instant trading deposit:
- Open an account with a broker that accepts UK investors. Remember you may need to provide verification documents such as a passport or driving license to comply with KYC requirements
- Once your account is verified, visit the deposit/payment page in the client portal
- Select a deposit method from the list of payment options. The best brokers will provide details on processing times and minimum/maximum daily funding limits
- Enter the payment details required for the specific transfer method. This may include scanning a QR code for e-wallet transactions or entering sort code and bank account details for online transfers
- Verify and confirm the deposit
Bottom Line On Brokers With Instant Deposits
Interactive brokers with instant deposits are ideal for investors looking for fast access to trading opportunities. Fortunately, in the current investment landscape, prompt payment options are not hard to come across. But remember, there is more to a good brokerage account than speedy payments. Check the trading broker is regulated by a trusted financial agency like the FCA, look at the list of assets available, and make sure the fee structure is transparent with the lowest spreads and commissions.
Use our list of the best brokers with instant deposits to start trading.
FAQ
What Is An Instant Deposit To A Brokerage Account?
Typically, money will appear in your account balance straight away and can be used to open positions, meet a margin call or pay account fees. Many of the top UK trading brokers and platforms offer instant deposits via debit and credit cards, plus e-wallets.
Which Trading Broker Has Instant Deposit Options?
Some of the best online brokers that offer instant deposits to UK traders include XM and Admiral Markets. Check out our full list of recommended brands to find the right provider for your needs.
How Do I Know If A Trading Broker Offers Instant Deposits?
Account funding methods and timelines should be accessible via the deposit/withdrawal page of your broker’s website. Alternatively, reach out to the customer support team.
What Payment Methods Can I Use For Instant Deposits To A Brokerage Account?
Is It Expensive To Use Instant Deposits To Fund Trading Accounts?
Some brokers may charge an additional fee for faster payments. These are usually third-party charges passed on to traders. However, in 2024, most top trading brokers with instant deposits offer fee-free account funding.