Best ACH Transfer Brokers 2025
Discover the best brokers with ACH Transfer deposits and withdrawals following our rigorous hands-on tests.
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1Interactive Brokers (IBKR) is a top brokerage firm offering access to 150 markets in 33 countries and a range of investment services. With 40 years in the field, this company listed on Nasdaq strictly follows the rules set by authorities such as the SEC, FCA, CIRO, and SFC. It's recognized as one of the most reliable brokers for global trading.
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2NinjaTrader is a US-based brokerage regulated for trading futures. It offers three different pricing plans for varied needs and budgets, along with extremely low margins on popular contracts. The company's renowned charting software and trading platform provides extensive customization options and excellent technical analysis features.
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3eToro is a platform for social investing that provides options for both short and long-term trading on stocks, ETFs, options, and crypto. The platform is recognized for its easy-to-use, community-oriented interface and reasonable fees. With oversight from FINRA and SIPC, and used by millions globally, eToro is a reputed name in the industry. Trading on eToro is facilitated by eToro USA Securities, Inc.
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4Plus500US, a reputable broker since 2021, is authorized by the CFTC and NFA. It offers futures trading on forex, indices, commodities, cryptocurrencies, and interest rates. With a quick 10-minute signup, a $100 minimum deposit, and an easy-to-use web platform, Plus500 is enhancing its services for traders in the US.
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5OANDA is a well-known broker that excels in quick trade executions, a low deposit requirement, and impressive charting and trading platform functions. The highly-regarded brand has over 25 years of expertise and is overseen by reliable authorities like the NFA/CFTC. It provides 24/7 support for traders and offers flexible contract sizes with automated trade executions.
Compare Brokers
| Broker |  |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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✓ | ✓ | $0 | $100 | 1:50 | ✗ | FCA, SEC, FINRA, CFTC, CBI, CIRO, SFC, MAS, MNB, FINMA, AFM | Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, CFDs, Cryptocurrencies | Trader Workstation (TWS), IBKR Desktop, GlobalTrader, Mobile, Client Portal, AlgoTrader, OmniTrader, TradingView, eSignal, TradingCentral, ProRealTime, Quantower | USD, EUR, GBP, CAD, AUD, INR, JPY, SEK, NOK, DKK, CHF, AED, HUF | Capitalise.ai, TWS API | ✓ | ✗ | |
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✓ | ✓ | $0 | 0.01 Lots | 1:50 | ✗ | NFA, CFTC | Forex, Stocks, Options, Commodities, Futures, Crypto | NinjaTrader Desktop, Web & Mobile, eSignal | USD | NinjaScript or via Automated Trading Interface | ✗ | ✗ | |
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✓ | ✓ | $100 | $10 | ✗ | ✓ | SEC, FINRA | Stocks, Options, ETFs, Crypto | eToro Trading Platform & CopyTrader | USD | ✗ | ✗ | ✗ | |
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✓ | ✓ | $100 | 0.0 Lots | 1:50 | ✗ | CFTC, NFA | Futures on Cryptocurrencies, Metals, Agriculture, Forex, Interest rates, Energy, Equity Index future contracts | WebTrader, App | USD | ✗ | ✗ | ✗ | |
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✓ | ✓ | $0 | 0.01 Lots | 1:50 | ✗ | NFA, CFTC | Forex, Crypto with Paxos (Cryptocurrencies are offered through Paxos. Paxos is a separate legal entity from OANDA) | OANDA Trade, MT4, TradingView, AutoChartist | USD, EUR, GBP, CAD, AUD, JPY, CHF, HKD, SGD | Expert Advisors (EAs) on MetaTrader | ✓ | ✓ | |
| Broker | |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
Safety Comparison
Compare how safe the Best ACH Transfer Brokers 2025 are.
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
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✗ | ✓ | ✓ | |
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✗ | ✗ | ✓ | |
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✗ | ✗ | ✓ | |
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✓ | ✗ | ✗ | |
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
Mobile Trading Comparison
Compare the mobile trading features of the Best ACH Transfer Brokers 2025.
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
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iOS & Android | ✓ | ||
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iOS & Android | ✗ | ||
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iOS & Android | ✗ | ||
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iOS & Android | ✗ | ||
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iOS & Android | ✗ | ||
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
Comparison for Beginners
Compare how suitable the Best ACH Transfer Brokers 2025 are for beginners.
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
|---|---|---|---|---|---|---|---|
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✓ | $0 | $100 | ✓ | ✗ | ||
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✓ | $0 | 0.01 Lots | ✗ | ✗ | ||
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✓ | $100 | $10 | ✓ | ✗ | ||
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✓ | $100 | 0.0 Lots | ✗ | ✗ | ||
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✓ | $0 | 0.01 Lots | ✗ | ✗ | ||
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
Comparison for Advanced Traders
Compare how suitable the Best ACH Transfer Brokers 2025 are for advanced or professional traders.
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
|---|---|---|---|---|---|---|---|---|
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Capitalise.ai, TWS API | ✗ | ✗ | ✓ | ✗ | 1:50 | ✓ | ✓ |
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NinjaScript or via Automated Trading Interface | ✗ | ✗ | ✗ | ✗ | 1:50 | ✓ | ✗ |
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✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ | ✓ |
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✗ | ✗ | ✗ | ✗ | ✗ | 1:50 | ✓ | ✗ |
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Expert Advisors (EAs) on MetaTrader | ✗ | ✗ | ✓ | ✗ | 1:50 | ✓ | ✗ |
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
Accounts Comparison
Compare the trading accounts offered by Best ACH Transfer Brokers 2025.
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
|---|---|---|---|---|---|---|---|---|---|
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✓ | USD: 4.8%, GBP: 4.7% | ✗ | ✓ | ✓ | ✗ | ✓ | ✗ | ✗ |
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✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✓ | USD: 4.9% | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ |
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✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
Detailed Rating Comparison
Compare how we rated the Best ACH Transfer Brokers 2025 in key areas.
| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
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| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
Fee and Cost Comparison
Compare the cost of trading with the Best ACH Transfer Brokers 2025.
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
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✗ | $0 | 0.003 | 0.08-0.20 bps x trade value | 0.12%-0.18% | |
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✗ | $25 | ✗ | 1.3 | Floating | |
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✓ | $10 | $0 | ✗ | BTC 0.75% | |
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✗ | $0 | ✗ | 0.75 | ✗ | |
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✗ | $0 | ✗ | 1.6 | $100 | |
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
Broker Popularity
See how popular the Best ACH Transfer Brokers 2025 are in terms of number of clients.
| Broker | Popularity |
|---|---|
| Interactive Brokers |
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| eToro USA |
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| NinjaTrader |
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Why Trade With Interactive Brokers?
Interactive Brokers is ideal for seasoned traders due to its robust charting platforms, updated data, and adaptability, especially with the IBKR Desktop application. Its exceptional pricing and advanced order features appeal to traders, and its variety of stocks remains unmatched in the market.
Pros
- IBKR is a highly regarded brokerage, regulated by prime authorities. This ensures the safety and reliability of your trading account.
- The new IBKR Desktop platform combines the advantages of TWS and adds unique tools like Option Lattice and Screeners with MultiSort to make trading accessible and impressive for traders of all levels.
- IBKR provides a cost-effective platform for traders by offering low fees, narrow spreads, and clear pricing.
Cons
- Customer service may take time to respond, and there may be delays in fixing problems based on tests. It could be difficult to reach the customer service promptly.
- IBKR offers many research tools. However, the tools are not uniformly distributed across trading platforms and the web-based 'Account Management' page, causing confusion for the users.
- Only one active session per account is allowed, which means you can't run the desktop version and mobile app at the same time. This can sometimes lead to a frustrating trading experience.
Why Trade With NinjaTrader?
NinjaTrader consistently satisfies active futures traders with its low-cost service and high-quality analysis tools. It offers superior charting features, including hundreds of indicators and over 10 chart types.
Pros
- NinjaTrader is a well-regarded and acclaimed futures broker, approved by the NFA and CFTC.
- Traders can access a free platform and trade simulation capabilities with the unlimited demo.
- NinjaTrader provides detailed charting software for active traders, complete with custom technical indicators and widgets.
Cons
- Some payment methods require a withdrawal fee.
- You need to register with partner brokers to trade in securities other than forex and futures.
- The advanced trading tools require an additional fee.
Why Trade With eToro USA?
eToro is a top choice for traders due to its top-notch social investing and copy trading services. The broker caters well to new traders with its low deposit requirement, commission-free trading, and user-friendly platform.
Pros
- The online broker provides a user-friendly social investment network for easy crypto trading replication.
- eToro USA Securities is a reliable broker that's regulated by the SEC, part of FINRA, and a member of SIPC.
- A free demo account enables new users and potential traders to test the broker without risk.
Cons
- The exclusive terminal does not accommodate trading bots and lacks extra equity market analysis tools.
- Traders used to third-party charting tools won't find MetaTrader 4 platform integration.
- There are fewer trading options available, including only stocks, ETFs, and cryptos, compared to competitors.
Why Trade With Plus500US?
Plus500US is an excellent choice for beginners, offering a user-friendly platform, low trading margins, and access to the Futures Academy to improve trading skills. Its powerful tools and reliable service earned it second place in DayTrading.com's annual 'Best US Broker' award.
Pros
- Plus500US stands out for its low fees, competitive trading margins, and no charges for inactivity, live data, routing, or platform use.
- The account setup, pricing structure, and web platform make futures trading simpler than competitors like NinjaTrader.
- The Futures Academy is a useful resource for beginner traders due to its captivating videos and simple articles. Its unrestricted demo account is also beneficial for practicing trading strategies.
Cons
- Plus500US lacks social trading features, unlike competitors such as eToro US, which might enhance its appeal to aspiring traders.
- The private trading platform is easy to use, but doesn't have the advanced analysis tools that platforms like MetaTrader 4 do.
- Testing showed fast response times for support, but phone aid is not available.
Why Trade With OANDA US?
OANDA is a reputable broker for US traders. It offers user-friendly tools for analysis and a simple sign-up process. It is very trustworthy due to heavy regulation.
Pros
- The broker provides clear pricing without any concealed fees.
- OANDA is a credible and safe trading brand, approved by top regulators such as the CFTC.
- Traders can experience quick and dependable order execution.
Cons
- Few payment options are available and e-wallets are not supported.
- Customer support is not accessible during weekends.
- The trading markets are limited to only forex and cryptocurrencies.
Filters
Understanding ACH Transfers for Trading
ACH (Automated Clearing House) transfers are like digital cheques that are faster, cheaper, and more reliable. They’re especially popular in the US, helping traders easily fund their accounts. Many other countries use different systems for electronic transfers, but in the US, the ACH system stands out because it handles a huge number of transactions, including those for online trading. In fact, the ACH Network processed more than 30 billion transactions in 2022 alone.
In this guide, we’ll explore how ACH transfers work, their benefits and drawbacks, and how they can be used by traders.
Criteria for Choosing the Best ACH Transfer Brokers
When we set out to find the best brokers accepting ACH transfers, we:
- Reviewed a list of 500 brokers to see who supports ACH payments.
- Ensured each broker supports both deposits and withdrawals using ACH for trading.
- Ranked them based on a combination of over 100 data points and our direct experiences.
What Are ACH Transfers?
ACH transfers are electronic payments that move money directly from one bank to another. This process happens in large batches, typically three times a business day. Some common uses for ACH transfers include:
- Direct deposits from employers or government programs.
- Bill payments and personal transfers.
- Regular contributions to savings accounts, like college funds or retirement accounts.
- Funding trading accounts.
ACH transfers have become a favorite for many traders due to their security, user-friendliness, and efficiency. Often, they are free, requiring only a bank account.
Fees
Usually, ACH transfers come with no fees, but this can vary between banks and brokers. For instance, Interactive Brokers offers free ACH deposits and allows one free withdrawal request each month. Some brokers might have a minimum deposit requirement or a fee. If your bank does charge for transfers, consider making larger, less frequent deposits to save on costs.
Speed
While ACH transfers are dependable, they aren’t instant. Typically, they take 1 to 3 business days to complete. Sometimes, the transfer might happen the same day you initiate it, but that’s not always guaranteed. Transactions made late on a Friday might not occur until the following Monday. Some banks offer faster processing for an extra fee.
It’s important to plan ahead as ACH isn’t immediate, which is crucial for traders who need quick accessibility.
Security
ACH transfers are as secure as online banking. While there’s always a chance of fraud, they are much safer than mailing cash or cheques. A unique feature of ACH transfers is that they might be reversible if made in error, which is not the case for wire transfers.
Choosing a reputable bank and broker can provide extra security and insurance.
How to Deposit Using ACH Transfers
The process varies by broker, but generally involves logging into your trading platform, going to the cashier section, selecting ‘ACH’, and following the steps.
For example, at Interactive Brokers, you would:
- Set up a standing instruction for ACH transfers via Transfer & Pay.
- Provide your bank account and routing numbers for verification.
- Log into your bank to verify your identity with your username and password.
Bear in mind that sometimes deposits can take up to 4 working days to be credited to your trading account.
Pros & Cons of Using ACH Transfers for Trading
Pros
- ACH transfers are generally safe and reliable, supported by major banks and brokers.
- This method is often free or comes at a low cost, which is advantageous compared to other methods like wire transfers.
- Scheduling recurring payments is easy and more convenient than writing cheques.
Cons
- ACH transfers can be slower, taking 1-3 business days, which may be too slow for traders needing immediate access.
- Many banks enforce transfer limits per day or week and can impose caps on international transfers.
- Some banks have cut-off times that, if missed, delay the transaction.
- Not all brokers accept ACH transfers. Alternative payment methods like PayPal offer similar security and higher transfer limits.
Are ACH Transfers a Good Choice for Trading?
ACH transfers are a useful, inexpensive, and dependable way to add funds to your trading account. With many brokers accepting ACH, traders have a flexible and secure option. However, the slower processing time and possible limits might be drawbacks for those who frequently trade large amounts. Always review your bank and broker’s policies to avoid unexpected fees.
FAQ
Is an ACH Transfer Safe for My Broker Account?
Yes, ACH transfers are secure and reliable. Ensure you use a reputable bank and broker, and be cautious of sharing your personal details to avoid scams.
How Quick are ACH Transfers Processed in My Trading Account?
While convenient, ACH transfers are not the fastest compared to methods like PayPal, which are nearly instant. Expect a processing time of 1 to 3 days, which may not be suitable for traders who need immediate fund access.