Deposits and withdrawals made with your debit or credit card are a convenient way to fund your trading account, but there are some important things to remember when transacting with a bank card.

• Deposit
• Withdrawal

Please note that the following bank cards are accepted and will be transacted in USD, EUR, and JPY (only for JCB):

• VISA and VISA Electron
• Mastercard
• Maestro Master
• JCB (Japan Credit Bureau)*

*The JCB card is the only bank card accepted in Japan; other bank cards cannot be used. Take note of the special conditions for profit withdrawals in this link.

Important: Bank cards are not available to accounts registered in Congo, Liberia, Myanmar, Serbia, Sierra Leone, and Thailand.

Deposits

This area covers more information on these topics:

- Managing bank card

- How to deposit using a bank card

           - For new bank cards

                 - Cardholder name checks

           - For existing bank cards

- 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 and withdrawals.

How to deposit using a bank card

Before making your first deposit with a bank card, you need to fully verify your profile

The minimum deposit amount with a bank card is USD 10 and the maximum deposit amount is USD 10 000 per transaction, or equivalent in your account currency.

For new bank cards

1. In your Exness Personal Area, click on the Deposit tab.
2. Select Bank Card.
3. Next, select the trading account to deposit into, currency, and deposit amount. Click Continue.
4. Complete the form with bank card information such as your bank card number, cardholder’s name, expiry date, and the CVV code. Click Continue.
5. Next, a summary of the transaction will be displayed. Click Confirm.
6. A message will appear to confirm the deposit transaction is complete.

In some cases, there will be an additional step to enter an OTP required by your bank before completing the deposit transaction.

Cardholder name checks

When adding a bank card for your transactions, there are a few rules to adhere to when entering the cardholder’s name. This is to make sure the transactions are processed smoothly.

1. The cardholder’s name should be written in English letters only.
2. Words that are not allowed are BANK, VISA, MASTER, MAESTRO, CARD, MOMENT, TEST, PAYMENT, GOLD, NAME, MC, INSTANT, EXPRESS, HOLDER, DEPOSIT, DEBIT, CREDIT, and UNIVERSAL.
3. Three words are allowed and can contain one symbol
4. There must be at least one space between words that should exist.
5. One special symbol is allowed:
1. ‘ (single quote)
2. ` (backtick)
3. ~ (tilde)
4. . (period)
5. - (hyphen)
6. Max characters, including symbols and spaces, are 27 characters.
7. A symbol dash “-” is recognized as a delimiter between words.

In the case one of the rules is not met, an error message will be displayed below the cardholder name field.

For existing bank cards

1. Click on the Deposit tab in your Personal Area.
2. Select Bank Card.
3. Select an existing bank card from the dropdown menu and enter the respective CVV code.
4. Select the trading account to deposit into, currency, and deposit amount. Click Continue.
5. Next, a summary of the transaction will be displayed. Click Confirm.
6. A message will appear to confirm the deposit transaction is complete.

Deposit processing time and fees

Deposit processing fees	Free
Deposit processing time	Average: Instant** Maximum: up to 5 days

**The term “instant” indicates that a transaction will be carried out within a few seconds without manual processing by our financial department specialists. However, this does not guarantee that a transaction will be completed instantaneously, but that the process is begun instantly.

Note: The limits specified above are per transaction unless mentioned otherwise. Please refer to your Personal Area for the most up-to-date information.

Withdrawals

This section contains more information regarding the following topics:

- Exness withdrawal rules

- Payment method proportional withdrawals

- About refund requests

- How to make a refund request

         - Expired bank cards

         - Lost or stolen bank cards

- How to withdraw profit

- Withdrawal processing time and fees

Exness withdrawal rules

As per Exness withdrawal rules, deposited funds and profits must be withdrawn separately.

Withdrawals must follow the payment system priority to optimize transaction times; withdraw funds in this order:

1. Bank card refund
2. Bitcoin refund
3. Profit withdrawals, adhering to deposit and withdrawal ratios.

Withdrawing deposited funds is known as a refund request while withdrawing profit from your trading account is its own operation.

Only once the refund request has been processed and completed will you be able to withdraw profit to your bank card, unless you wait 90 business days from the date of deposit. Also, refunds can be done in parts until the refund requirement is met, this is known as a partial refund request.

Payment method proportional withdrawals

A withdrawal must be made using the same payment system, same account, and same currency as used for the deposit transaction.

If you have used a number of different bank cards and/or payment methods to deposit funds into your trading account, then withdrawals must be made to those bank accounts and/or payment systems in the same proportions as the deposits made.

Here’s an example to help you understand this better:

You’ve deposited USD 1 000 in total to your trading account.

      - USD 500 with Card A

      - USD 300 with Card B

      - USD 200 with Neteller

According to this, you’ll only be allowed to withdraw the total amount according to this proportion:

      - 50% withdrawal with Card A

      - 30% withdrawal with Card B

      - 20% withdrawal with Neteller

Now, let’s assume that you’ve earned USD 500 profit 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 refunded first, then USD 250 as profit withdrawal

      - Card B - USD 450

               - USD 300 to be refunded first, then USD 150 as profit withdrawal

      - Neteller - USD 300

Do note that profit withdrawals are only available once refund requirements are met. This will be shown in your Personal Area when you make a withdrawal. You can read up in detail about this in our article on everything you need to know about withdrawals.

About refund requests

A refund request is a withdrawal of deposited funds and must be completed before profit withdrawal from a trading account. Refunds with bank cards cannot be bigger than what was deposited and must fulfill the refund requirements shown in your Personal Area when making the refund request.

Partial refund requests are when refund requests are made in smaller amounts rather than the total amount of funds deposited.

Note:

• If a refund is initiated within 24 hours of a deposit, the refund process may be completed within 3 - 5 days for card or bank transfers, or within 3 - 5 days for BTC.
• If a refund is initiated after 24 hours of a deposit with a card or bank transfer, then the refund process will take up to 10 days.

Note: If partial refund requests are unavailable in your region, you would have to make a full refund request based on payment system priority rules before withdrawing profit.

How to make a refund request

1. Select Bank Card from the Withdrawal section of your PA.
2. Click Show my refunds from the next page.
3. Choose the bank card to complete the refund.
4. On the next page, fill in the form, including:

1. 1. Selecting the bank card as the payment method.
   2. Choose the trading account to refund from.
   3. Enter the amount to be refunded.

Then click Continue.

5. A transaction summary will be presented; click Confirm to continue.
6. Enter the verification code sent to you either by email or SMS (depending on your Personal Area security type), then click Confirm.
7. 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 10 for web and desktop PAs and for the Social Trading app***, while the maximum profit withdrawal is USD 10 000 per transaction.

1. Select Bank Card in the Withdrawal area in your Personal Area.
2. Complete the form with the following information:

             a. Select the preferred bank card from the dropdown menu.

             b. Choose the trading account to withdraw from.

             c. Enter the withdrawal amount in your account currency.

3. Click Continue.
4. A transaction summary will be presented; click Confirm to continue.
5. Enter the verification code sent to you either by email or SMS (depending on your security type), then click Confirm.
6. A message will confirm that the refund request is complete.

Please note that profit withdrawals with Japanese and South Korean bank cards are not supported. Please take note to withdraw profit from a different payment method.

Profit withdrawals are not available in Pakistan, India, and Botswana. Clients from these countries can refund with their bank cards, but profit withdrawals must be made with any available payment method in the PA.

Withdrawal processing time and fees

Transaction	Processing Time	Processing fees
Refund requests and profit withdrawals	Up to 10 business days	Free of charge

***Social trading is unavailable to clients registered with our Kenyan entity.