Deposits and withdrawals made with your debit/credit card are a convenient way to fund your trading account, but there are some important things to remember when you transact with a bank card.
Visa, Visa Electron, Mastercard, and JCB* (Japan Credit Bureau) cards are accepted bank cards, though some regional restrictions may apply. Please visit your Personal Area (PA) to view available payment methods
Important: Bank cards are not available to accounts registered within the Thailand region.
*The JCB card is the only bank card accepted in Japan; other bank cards cannot be used.
Deposits
This area contains more information on these topics:
- How to deposit using a bank card
- Deposit processing time and fees
Managing bank cards
Any bank card used to make a deposit is automatically saved as an option for further deposits. It is not possible to remove bank cards from your PA without contacting Support and providing proof this bank card is no longer active.
How to deposit using a bank card
Before making your first deposit using your bank card, you need to fully verify your profile.
Note: payment methods requiring profile verification before use are grouped separately in the PA under the Verification required section.
The minimum deposit amount with a bank card is USD 10 and maximum deposit amount is USD 16 000 per transaction, or the equivalent in your account currency.
For new bank cards
- Select Bank Card in the Deposit area of your Personal Area.
- Select the trading account, currency and deposit amount. Click Continue.
- Complete the form including your bank card number, cardholder’s name, expiry date, and the CVV code, then click Continue.
- A summary of the transaction will be displayed. Click Confirm.
- A message will confirm the deposit transaction is complete.
In some cases, an additional step to enter a OTP sent by your bank may be required before the deposit transaction is completed.
For existing bank cards
- Select Bank Card in the Deposit area of your Personal Area.
- Select an existing bank card from the dropdown menu and enter the CVV code.
- Select the trading account, currency and deposit amount, then click Continue.
- A summary of the transaction will be displayed. Click Confirm.
- A message will confirm the deposit transaction is complete.
Deposit processing time and fees
Processing time: Typically instant, but may take up to 24 hours.
Processing fees: Completely free of charge.
Withdrawals
This area contains more information on the following topics:
- Payment method proportional withdrawals
- Withdrawal processing time and fees
Exness withdrawal rules
As per Exness withdrawal rules, deposited funds and profit must be withdrawn separately. Withdrawing deposited funds is referred to as a refund request, while withdrawing profit from your trading account is its own operation. Only once the refund request has been processed will you be able to withdraw profit to your bank card, unless you wait 90 business days from the date of deposit. Partial refund requests are available and can be done in parts until the refund requirement is met.
Payment method proportional withdrawals
A withdrawal must be made using the same payment system, same account, and same currency used as for the deposit. If you have used a number of different bank cards and/or payment methods to deposit funds into your trading account, withdrawals are to be made to those same bank accounts and/or payment systems in the same proportion as the deposits were made.
Example: You’ve deposited USD 1 000 total into your account, USD 500 with one bank card (bank card A), USD 300 with a different bank card (bank card B), and USD 200 with Neteller. As such, you'll only be allowed to withdraw 50% of the total withdrawal amount through bank card A, 30% through bank card B, and 20% through Neteller. Let's assume that you’ve earned USD 500 and wish to withdraw everything, including profit.
As per the rule of proportions, here are the maximum limits for each method of withdrawal:
- Card A - USD 750 (USD 500 to be returned as a refund first, remaining USD 250 profit withdrawal)
- Card B - USD 450 (USD 300 to be returned as a refund first, remaining USD 150 profit withdrawal)
- Neteller - USD 300
Note: Profit withdrawals are only available once refund requirements have been met; this is shown in your Personal Area as you make a withdrawal. You can read up in detail about this in our article about everything you need to know about withdrawals.
The purpose of the payment priority system is to ensure that Exness follows financial regulations forbidding money laundering and potential fraud, making it an essential rule without exception.
Follow the link for more information on these important withdrawal rules.
About refund requests
A refund request is a withdrawal of deposited funds and must be completed before profit from a trading account can be withdrawn. Refunds with bank cards cannot be bigger than what was deposited and must exceed the refund requirements shown in your Personal Area when making the refund request.
The maximum amount that can be made during a refund request is the smallest amount of either the balance of what is available in your trading account, or the cumulative amount deposited with bank cards since the last refund request (if applicable).
Refund request processing times
Typically refunds take up to 10 business days; if you face a longer processing time we suggest you contact the Support team with a bank statement (in pdf format) of your account from the date of withdrawal to the present day.
If you still need to make a refund request to a bank card, a notification will be displayed in the withdrawals area of your PA; click Show available options to pick the card and start the refund process.
If you make a refund request within 24 hours of your deposit, the refund process will take 3-5 business days.
How to request a refund
- Select Bank Card from the Withdrawal section of your PA.
- Click Show my refunds from the next page.
- Choose the bank card to complete the refund.
- On the next page, fill in the form, including:
-
- Selecting the bank card as the payment method.
- Choose the trading account to refund from.
- Enter the amount to be refunded.
Then click Continue.
- A transaction summary will be presented; click Confirm to continue.
- Enter the verification code sent to you either by email or SMS (depending on your Personal Area security type), then click Confirm.
- A message will confirm the refund request is complete.
Expired bank cards
If your bank card has expired but you have been issued a new bank card for the same bank account, the refund process is straightforward; you only need to follow the steps to request a refund as normal.
If your expired card is no longer linked to a bank account as it has been completely closed, you must contact the Support Team with proof of the closed bank account. The Support Team can then guide you through a refund request, making use of other available payment methods or Electronic Payment Systems (EPS).
Lost or stolen bank cards
In the event of a lost or stolen bank card, please contact the Support Team with proof and they can assist you with your refund request once account verification has been completed.
How to withdraw profit
The minimum amount you can withdraw to your bank card is USD 3 for web and desktop PAs or USD 6 for the Social Trading app**, while the maximum profit withdrawal is USD 10 000 per transaction.
- Select Bank Card in the Withdrawal area of your Personal Area.
- Complete the form, including:
a. Select the bank card from the dropdown.
b. Choose the trading account to withdraw from.
c. Enter the amount to withdraw in your account currency.
Click Continue.
- A transaction summary will be presented; click Confirm to continue.
- Enter the verification code sent to you either by email or SMS (depending on your Personal Area security type), then click Confirm.
- A message will confirm the refund request is complete.
Please note that withdrawal of profit from Japanese and South Korean bank cards is not supported. If you are experiencing this error, please follow this link to find out how to withdraw profit with a Japanese or South Korean bank card.
Withdrawal processing time and fees
| Transaction | Processing Time | Processing fees |
|---|---|---|
| Refund requests and profit withdrawals | Up to 10 business days | Free of charge |