Which broker has the fastest withdrawals?
Verdict
- On published timings, XS (Neteller listed as instant) and ActivTrades (30 minutes for cards and e-wallets, 'indicative only') are the fastest; Pepperstone, our overall pick, pays e-wallets and crypto within 1 business day and cards within 2, with no withdrawal fee on those methods.
- Speed is only half the story: XS's card withdrawals take 7 to 10 working days, and XS reserves a withdrawal fee of up to 3% in some cases.
- Bank transfers are the slowest route nearly everywhere; Pepperstone's international site allows up to 7 business days.
- All figures are broker-published maximums or estimates, not our tests.
Withdrawal speed depends more on the payment method than on the broker. We lined up the timings that brokers serving Singapore residents publish, method by method, so you can see which combination actually gets money back fastest and at what cost.
Pepperstone's withdrawal times for Singapore clients
Pepperstone's international site lists PayPal, Neteller, Skrill and crypto withdrawals at up to 1 business day; cards, Apple Pay and Google Pay at up to 2; and domestic bank transfer at up to 7. Every listed method is free, though its costs page charges $20 for international bank wires. Funds go back to the source you paid from. We pick Pepperstone because it combines quick e-wallet payouts with no fees on those routes, an SGD account and low published trading costs. Your account is with its Bahamas entity (SCB SIA-F217), not a MAS-licensed firm.
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Published withdrawal times, method by method
| Broker | E-wallets | Cards | Bank transfer | Fees |
|---|---|---|---|---|
| Pepperstone | Up to 1 business day | Up to 2 business days | Up to 7 business days | Free; $20 on international wires |
| XS | Neteller instant; Skrill 1 business day | 7-10 working days | 1-7 working days | None internal; up to 3% if no trading or abuse |
| ActivTrades | 30 min (indicative) | 30 min (indicative) | Same working day | Not in our data |
| FP Markets | Skrill and Neteller: 1 business day | Not in our data | Not in our data | Not in our data |
| eToro (group withdrawal FAQ) | Up to 2 business days; eToro Money instant | Up to 10 business days | Up to 10 business days | Not in our data |
Why the 'instant' claims need a closer look
- ActivTrades says its timeframes are indicative and start once the company has received the request.
- XS's instant route is Neteller only; its card route is among the slowest in the table.
- eToro says it confirms a withdrawal's status within 2 business days of the request, before the method's own timing applies.
- Every broker sends money back to the original source, so the deposit method you choose decides your exit speed.
Getting your money back faster at Pepperstone
- Deposit with an e-wallet such as Skrill, Neteller or PayPal if fast exits matter to you.
- Complete identity checks before you need to withdraw.
- Avoid international bank wires: they are slower and cost $20.
- Request withdrawals early in the business day.
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Sources
Withdrawal terms as published.
Does Pepperstone charge for withdrawals?
Not on the listed methods; international bank-wire withdrawals cost $20 on its international costs page.
Can I withdraw to a different card than I deposited with?
Generally no. Pepperstone returns funds to the original source.
Is Capital.com faster?
It is not an option for Singapore residents: our broker data lists Singapore among countries it does not accept.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Pepperstone's international site states that 80% of retail investor accounts lose money when trading CFDs with this provider. This page is not investment advice; broker terms change, so confirm them on the broker's own site before opening an account.