Best Debit Card Brokers 2025
Discover the best brokers with debit card 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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5Established in 1999, FOREX.com is part of StoneX, a global financial services company that serves over a million customers. It's regulated in the US, UK, EU, Australia, and other countries. The broker offers a wide range of markets beyond forex and provides competitive pricing on advanced platforms.
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 | ✗ | ✗ | CFTC, NFA | Futures on Cryptocurrencies, Metals, Agriculture, Forex, Interest rates, Energy, Equity Index future contracts | WebTrader, App | USD | ✗ | ✗ | ✗ | |
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✓ | ✓ | $100 | 0.01 Lots | 1:50 | ✗ | NFA, CFTC | Forex, Stock CFDs, Futures, Futures OptionsForex, CFDs, Stock CFDs, Indices, Commodities, Futures, Options, Crypto | WebTrader, Mobile, MT4, MT5, TradingView | USD, EUR, GBP, CAD, AUD, JPY, CHF, PLN | 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 Debit Card 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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✗ | ✗ | ✓ | |
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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 Debit Card 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 Debit Card 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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✓ | $100 | 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 Debit Card 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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✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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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 Debit Card 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 Debit Card 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 Debit Card 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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✗ | $15 | 0.14 | 1.2 | BTC 1.4%, ETH 2% | |
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
Broker Popularity
See how popular the Best Debit Card 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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| FOREX.com |
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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 offers exceptional access to global stocks, with thousands of equities available from over 100 market centers in 24 countries, including the recent addition of the Saudi Stock Exchange.
- IBKR is a highly regarded brokerage, regulated by prime authorities. This ensures the safety and reliability of your trading account.
- There's a large selection of free or paid research subscriptions available to all traders. If you subscribe to Toggle AI, you will also receive commission refunds from IBKR.
Cons
- 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.
- 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.
- 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.
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
- You can access thousands of applications and add-ons from developers worldwide for trading.
- Traders can access a free platform and trade simulation capabilities with the unlimited demo.
- NinjaTrader is a well-regarded and acclaimed futures broker, approved by the NFA and CFTC.
Cons
- You need to register with partner brokers to trade in securities other than forex and futures.
- The advanced trading tools require an additional fee.
- Some payment methods require a withdrawal 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
- eToro USA Securities is a reliable broker that's regulated by the SEC, part of FINRA, and a member of SIPC.
- Traders can use Smart Portfolios for a simpler approach, covering multiple sectors and markets like renewable energy and artificial intelligence.
- The low minimum deposit and simple account setup allow beginners to start trading quickly.
Cons
- Average fees can reduce the profits of traders.
- There are fewer trading options available, including only stocks, ETFs, and cryptos, compared to competitors.
- Traders used to third-party charting tools won't find MetaTrader 4 platform integration.
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
- 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.
- The trading app offers an excellent user interface with an updated design, straightforward layout, and charts optimized for mobile use.
- Plus500US stands out for its low fees, competitive trading margins, and no charges for inactivity, live data, routing, or platform use.
Cons
- Plus500US offers competitive pricing but does not have a discount program for high-volume traders, unlike brokers like Interactive Brokers.
- Testing showed fast response times for support, but phone aid is not available.
- The private trading platform is easy to use, but doesn't have the advanced analysis tools that platforms like MetaTrader 4 do.
Why Trade With FOREX.com?
FOREX.com is a top-tier brokerage suitable for forex traders of all skill levels. It offers more than 80 currency pairs, has small spreads starting from 0.0 pips, and features low fees. The platform provides powerful charting tools that include over 100 technical indicators and multiple research aids.
Pros
- FOREX.com provides top-tier forex pricing beginning at 0.0 pips. They also offer competitive cashback rebates up to 15% for dedicated traders.
- The Web Trader remains one of the top platforms for budding traders, boasting a sleek design and more than 80 technical indicators for market analysis.
- FOREX.com has over 20 years of experience with strong regulatory oversight, and has received multiple awards, including second place in our 'Best Forex Broker' awards. As such, FOREX.com is globally reputed as a reliable trading brokerage.
Cons
- The funding options are not as extensive as those of top competitors such as IC Markets and lack several widely-used e-wallets, particularly UnionPay and POLi.
- US clients do not have negative balance protection, so you can potentially owe more than your original account deposit.
- FOREX.com has expanded their trading offerings, but these remain limited to forex and CFDs. Unfortunately, they don't provide options to invest in actual stocks, ETFs, or cryptocurrencies.
Filters
Understanding Debit Card Transactions in Trading
Using a debit card for depositing and withdrawing money from your trading account is quite common. Many brokers accept debit cards due to their widespread use and seamless infrastructure. In this guide, we’ll delve into the benefits, costs, speed, and safety of using debit cards for trading purposes, and also explore brokers that offer prepaid debit cards.
How We Selected The Top Brokers for Debit Card Use
To identify the best brokers accepting debit cards, we:
- Reviewed our database of 500 online brokers, selecting those accepting debit cards.
- Confirmed they support debit card deposits and withdrawals for trading activities.
- Ranked them based on over 100 data points and our expert assessments.
What is a Debit Card?
A debit card is a payment card featuring a 16-digit number, expiration date, and security technologies like a magnetic strip and EMV chip. They allow you to spend money directly from your bank account, making it easy to shop online or fund trading accounts. Debit cards are generally included with bank accounts.
Debit Card vs. Credit Card
Here’s the difference:
– Debit Card: Uses your own money from your bank account.
– Credit Card: Lets you borrow money up to a limit from the card issuer, which you must repay with interest.
Debit cards offer security and ease but with less fraud protection than credit cards. Credit cards can also help build your credit history but often come with fees. Debit cards keep you from overspending since you’re using your own money.
Fees
Starting a bank account generally includes a debit card at no cost. Prepaid debit cards might have small fees. Compared to other methods, debit card usage fees are low, especially in the UK. These fees might only be a small percentage of the trade or a flat rate around £2.
Some international transactions or currency conversions might incur additional costs. Choosing brokers with low transaction fees is smart, as costs can pile up with frequent transactions.
Speed
Using a debit card is a fast way to manage payments, as most people carry their cards around. Funds sent to a trading account via a debit card are usually available instantly. Withdrawals can be equally prompt. In some cases, transactions might take up to a couple of days.
Security
Brokers may ask you to verify your debit card, ensuring a secure method for managing your trading funds. It’s vital to use a broker that has high security measures like two-factor authentication (2FA). All funds deposited should come from an account in your name to decrease money laundering risks.
Broker-Issued Debit Cards
Some brokers also offer prepaid debit cards linked to your trading account.
Prepaid Debit Cards
With these, you can quickly withdraw profits with minimal fees. They offer privacy and can be used for in-store and online purchases. For example, Coinbase’s card allows cryptocurrency transactions and rewards.
Brokerage Checking Accounts
In addition to handling trades, some brokerages provide checking accounts with a connected debit card. Benefits can include fee refunds from ATMs and no foreign transaction fees. Drawbacks might be lower interest rates and fewer traditional bank services.
How to Deposit Using a Debit Card
– Start by selecting a broker that supports debit cards.
– Go to the broker’s website or app, navigate to the payment section, and choose debit card as your payment method.
– Enter the amount you’d like to deposit and provide your card details.
– Ensure you don’t deposit beyond your account balance to avoid overdraft fees.
The withdrawal process is similar but limited to available funds in your trading account.
Pros of Using Debit Cards for Traders
- Convenient Method: Easy way to fund accounts without foreign currency restrictions.
- Fast Access: Speedy process compared to traditional bank transfers.
- No Debt Risk: Spending your own money avoids debt accumulation.
- Security Features: Strong security and fraud protection.
- Low Transaction Costs: Minimal fees from reputable brokers.
- Widespread Acceptance: Accepted by virtually any online vendor, including brokers.
- Easy Sign-Up: Most banks offer debit cards standard with their accounts, or you can choose a prepaid card.
- Chargeback and Refund Capabilities: Offers options for refunds and dispute resolutions.
Cons of Using Debit Cards for Traders
- Less Ideal for Large Transactions: More suitable for small transactions, as funds must be available immediately.
- No Rewards: Typically don’t offer points or rewards unless it’s a broker-issued prepaid card.
- Potential Privacy Concerns: Requires sharing of financial info, making broker security crucial.
Are Debit Card Payments Beneficial for Trading?
For traders, debit cards are faster and easier to use than traditional methods and come with added security, especially with brands like Visa and Mastercard. Brokers offering prepaid cards further streamline trading. Overall, it’s a secure, cost-effective, and swift payment method.
FAQ
Which Brokers Accept Debit Card Payments?
Brokers like Pepperstone, FBS, Plus500, and eToro are recommended for accepting debit card payments for trading.
Do Brokers Impose Deposit or Withdrawal Limits with Debit Cards?
Limits can vary by broker, visible on the deposit page. Some prepaid cards may impose withdrawal caps. For instance, eToro’s minimum deposit is $50, with a $40,000 maximum (country-dependent).
Are Trading Funds Secure with Debit Cards?
Debit card use is one of the more secure methods, offering considerable protection. They carry low debt risk, with overdraft fees as your only financial threat. Be aware that linking your debit card to a trading account requires disclosing more private information.